PNC Bank N.A. CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 02/09/2021 | Yes |
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| On XXXX, PNC Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc. deceived me into believing that a Foreclosure Complaint had been filed in the XXXX County Circuit Court. By law A complaint must be filed with the Clerk of the Court not with a judge. If you look at the majority of these alleged foreclosure complaints, you will see that they were never filed because they contain a judges file stamp and not the clerks file stamp. Again, they have to engage in these criminal simulated filings because the banks never had standing to sue. The majority of laws firms are employees of XXXX XXXX XXXX. XXXX illegally owns numerous of properties that were illegally foreclosed in the state of Illinois and several other states. How Service of Summons is made It is common knowledge that in XXXX County the sheriff must be used to make the first attempt at service of a summons. If the XXXX County Sheriff is unable to serve the Defendants, then the Plaintiff or the Plaintiffs attorney may first file a Notice of Motion to Appoint A Special Process Server. This form is used to schedule the court date when you will see the judge. This is called the hearing date. This form also : Lists the date, time and place where you will see the judge ; Lists the names and addresses of the other parties or the names and addresses of their lawyers ; and tells the other parties in the case about the court date. The Notice is filed with a Motion to Appoint A Special Process Server This form is used to ask for permission from a judge to use a special process server. A licensed private detective or anyone who is 18 years old or over and NOT a party to the case can be used. If a judge grants the request at the time of the hearing, he or she will issue a signed Order entitled Order Appointing A Special Process Server. A reasonable person would infer that the banks do not want to use the sheriff to serve the alleged Defendant ( s ) because they are fully aware that the summons is not valid. If the summons were valid the Defendant ( s ) would be responsible for paying for the cost and the county of XXXX would benefit financially. Hence, it would benefit the county if the sheriff was used. Therefore, it does not take a rocket scientist to know why the banks simulate the use of process servings companies and detective agencies that are owned by XXXX XXXX. When you look at any alleged order appointing a special process server you will notice that they are not signed by a judge. This is yet another of the vast reasons why the alleged defendant ( s ) were never served and the case was void from its inception. The alleged Order Appointing A Special Process Server is never signed by a judge. It contains the PRINTED STAMP name of judge XXXX XXXX. It does not contain the file stamp of the Clerk of the Court. Chief Judge XXXX XXXX XXXX and the rest of his criminal enterprise are fully aware that XXXX XXXX XXXX, XXXXXXXX XXXX and all the service of process companies owned by Chief Judge XXXX XXXX XXXX can not legally serve an invalid summons, can not collect fees, because he runs a criminal enterprise. Further, most if not all of the attorneys that file these illegal foreclosures are employees or affiliates of XXXX XXXX XXXX. XXXX XXXX XXXX has numerous contracts with, the banks, XXXX XXXX, XXXX XXXX, state and federal governments. This means that even if these lawsuits were legal to begin with and they are NOT. The more than 250 law firms that are either employees or affiliates of his could not/ can not be used to file these illegal foreclosures. Most if not all of the foreclosures that have been conducted for decades in the state of Illinois and numerous other states were void without legal effect. It is significant to note, XXXX XXXX XXXX owns the XXXX XXXX XXXX XXXX. A newspaper that caters to attorneys. When his employees fail to serve an illegal summons, they place an ad for publication in said newspaper. The cost for this placement is over {$650.00}. This illegal fee is also added to the alleged defendant mortgage. Like the rule of the federal court. The Illinois Supreme Court also has a rule stating that an attorney must filed a written Appearance or other pleading before addressing the court. A Motion is not a Pleading. Rule 13. AppearancesTime to PleadWithdrawal Addressing the Court.An attorney shall file a written appearance or other pleading before addressing the court unlessthe attorney is presenting a motion for leave to appear by intervention or otherwise Note some of the following relates to this complaint and it taken from the documents that I filed in the courts. Therefore, some paragraphs contain the words Plaintiff and Defendant In order for process of service to be valid and enforceable there must be a case that was legally filed. Let me trick you into believing that a case was legally filed does not count. In the rare instance when a case is legally filed by an attorney it must strictly conform to the statutory and court rules : It must contain the seal of the court ; it must be signed by the clerk, it must be requested ; it must be dated and time stamped on the date and time that it is issued. A judges file stamp consists of a square box, The CH stands for the Chancery The number after the CH is the Judges Room number. Illinois Supreme Court Rule 104 ( b ) requires documents to be filed with the Clerk and not a judge. Further, a lawsuit must be filed in the proper department, for example a foreclosure must be filed in the Chancery Department, a civil suit in the Civil Department a Criminal Suit in the Criminal Department. When not stamped with a judges file stamp some civil law lawsuits will have a Chancery stamp on them. The Criminal Tactics Used To Illegally Foreclose Homes In The State Of Illinois As in all courts throughout the world a judgement becomes final only after it is singed and filed. Illinois Supreme Court Rule 272. When Judgment is Entered states as follows : If at the time of announcing final judgment the judge requires the submission of a form of written judgment to be signed by the judge or if a circuit court rule requires the prevailing party to submit a draft order, the clerk shall make a notation to that effect and the judgment becomes final only when the signed judgment is filed. If no such signed written judgment is to be filed, the judge or clerk shall forthwith make a notation of judgment and enter the judgment of record promptly, and the judgment is entered at the time it is entered of record Amended XX/XX/XXXX, effective XX/XX/XXXX ; amended XXXX XXXX, XXXX, eff. XXXX XXXX, XXXX. Committee Comments. The purpose of this rule is to remove any doubt as to the date a judgment is entered. It applies to both law and equity ... In XXXX the rule was amended to provide that in those cases in which, by circuit court rule, the prevailing party is required to submit a draft order, a judgment becomes final only after the signed judgment is filed. Per the Clerks of Courts Act ( 705 ILCS 105/8 ) ( from Ch. 25, par. 8 ) Sec. 8 : Documents issued by the clerk are required to be signed and bear the seal of the Court. The law states in part as follows : The clerks shall, in all cases, attend in person to the duties of their offices, respectively, when it is practicable so to do, and shall perform all the duties thereof which can reasonably be performed by one person. In the performance of the duties of the office of clerk of the circuit court, any such clerk, after filing with the Secretary of State his or her manual signature certified by him or her under oath, may execute or cause to be executed with a facsimile signature, in lieu of his or her original signature, all forms of process and notices issued by his or her office. " Facsimile signature '' means a reproduction by engraving, imprinting, stamping, or other means of the manual signature of an authorized officer. When the seal of the clerk of the circuit court is required in the execution of any process or notice issued by the clerk 's office, the clerk may cause the seal to be printed, engraved, stamped or otherwise placed in facsimile thereon. The facsimile seal has the same effect as the impression of the seal. ( Source : P.A. 83-346. ) The XXXX County GENERAL ADMINISTRATIVE ORDER NO. XXXX ELECTRONIC FILING ( eFILING ) OF COURT DOCUMENTS states as follows : Electronic Signatures a. Any document electronically signed pursuant to this section shall comply with all applicable laws and rules regarding original signatures on court documents and shall be subject to applicable sanctions. i. Each electronically filed document shall bear a facsimile or typographical signature of the attorney or pro se party authorizing such filing. ii. Documents containing signatures of third parties may be filed electronically and shall bear a facsimile or typographical signature. APPLICABLE FEDERAL RULES OF CIVIL PROCEDURES If a document was/is not signed by an attorney, the judge was/is required to dismiss the case see the Federal Rules of Civil Procedure Rule 11. FEDERAL RULES OF CIVIL PROCEDURE Rule 11 - Signing Pleadings, Motions, and Other Papers ; Representations to the Court ; Sanctions ( a ) SIGNATURE. Every pleading, written motion, and other paper must be signed by at least one attorney of record in the attorneys nameor by a party personally if the party is unrepresentedThe court must strike an unsigned paper unless the omission is promptly corrected after being called to the attorneys or partys attention. The Plaintiff in a case is required to serve the defendant within 90 days if the Plaintiff fails to do the case must be dismissed by the judge. See the Federal Rules of Civil Procedure 4 ( m ) : TIME LIMIT FOR SERVICE. If a defendant is not served within 90 days after the complaint is filed, the courton motion or on its own after notice to the plaintiffmust dismiss the action without prejudice against that defendant ... SOME MAJOR LAWS AND RULES THAT EVERYONE SHOULD KNOW Simulation of legal process is generally defined by most governments as follows : A person is guilty of a misdemeanor who, with a purpose to procure the compliance of another with a request made by such person, knowingly sends, mails or delivers to such person a notice or other writing which has no judicial or other sanction, but which in its format or appearance simulates a summons, complaint, court order or process, including, but not limited to, lien, indictment, warrant, injunction, writ, notice, pleading, subpoena, or order, or an insignia, seal or printed form of a federal, state or local government or an instrumentality thereof, or is otherwise calculated to induce a belief that it does have a judicial or other official sanction. N.H. Rev. Stat. 638:14 APPLICABLE COURT RULES AND DEFINITIONS THAT YOU MUST KNOW OFFICER OF THE COURT : Any person who has an obligation to promote justice and uphold the law, including judges, clerks, court personnel, police officers and attorneys ( who must be truthful in court and obey court rules ). TITLE 28JUDICIARY AND JUDICIAL PROCEDURE 1691. SEAL AND TESTE OF PROCESS : All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. ( XX/XX/XXXX, ch. 646, 62 Stat. 945. ) 18 U.S. CODE 505. SEALS OF COURTS ; SIGNATURES OF JUDGES OR COURT OFFICERS Whoever forges the signature of any judge, register, or other officer of any court of the United States, or of any Territory thereof, or forges or counterfeits the seal of any such court, or knowingly concurs in using any such forged or counterfeit signature or seal, for the purpose of authenticating any proceeding or document, or tenders in evidence any such proceeding or document with a false or counterfeit signature of any such judge, register, or other officer, or a false or counterfeit seal of the court, subscribed or attached thereto, knowing such signature or seal to be false or counterfeit, shall be fined under this title or imprisoned not more than five years, or both. ( XX/XX/XXXX, ch. 645, 62 Stat. 714 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( K ), XXXX XXXX, XXXX, 108 Stat. 2147. ) The Administrative Office of the U.S. Courts ( AO ) created a form entitled AO 458 Appearance of Counsel. This form has been approved for use for all Federal District Courts in the United States. The form states as follows : APPEARANCE OF COUNSEL To : The clerk of court and all parties of record I am admitted or otherwise authorized to practice in this court, and I appear in this case as counsel for, ______________________________. The blank line on this form that is used for the attorneys signature does not contain a preprinted s/ or S/. Most non-attorneys : ( i ) believe that s/ is a proper electronic signature ( ii ) are not aware that the S/ is preprinted on said forms ( iii ) that the ILND Attorney Appearance Forms are proper and the same as or similar to the official Appearance of Counsel AO 458 form. When an attorney types his or her name after the preprinted S/ on the form. The attorney is fully aware that the preprinted /S is already there because they did not physically type the /S on the form with their own hand. In fact, they just placed their name after the preprinted /S. Further the attorney is fully aware that because of the foregoing and following. The client that the attorney stated was allegedly represented by them was in fact never represented at all. A preprinted S should not be in front of the signature line S_______________. The signature line should be blank line ______________________. The sole purpose of the preprinted S/ is to deceive the non-attorney into believing that the form was signed with an electronic signature. Again, the attorney appearance form was never signed because a name NOT an electronic signature or wet/ holographic signature /XXXX/XXXX XXXX was placed after the preprinted /S. When a person clicks on the text box and enters his or her name into it. The name comes in close contact with the S/. Again, because a majority of Pro-se Litigants believe that S/ is a valid attorney signature and for the reasons already stated Pro se litigants are easily deceived. In addition, an Appearance of Counsel/Attorney Appearance must be made prior to or simultaneously with the filing of any document. Let me stress this mandated rule again. An attorney MUST file an Appearance of Counsel along with a Certificate of Service before they can file any documents in court. If they did not it means any document that was filed by an attorney who did not follow the above rules is void without legal effect. A proper and valid Appearance of Counsel form is paramount because if the attorney fails to file one ( i ) their client is not represented in court, ( ii ) they lose the case by default. In addition, it is obvious that if an attorney does not file an appearance monetary damages can not be legally awarded to that attorney or the party that said attorney states that they are representing. The ILND Local Rule 83.12. Appearance of Attorneys Generally states in part as follows : Who May Appear. Except as provided in LR14 and LR83.15 and as otherwise provided in this rule, only members in good standing of the general bar of this [ meaning the ILND court ] Court may enter an appearance on behalf of a party ; file pleadings, motions or other documents ; sign stipulations ; or receive payments upon judgments, decrees or orders. [ The judges of the ILND and XXXX Circuit Courts frequently award attorney fees and monetary awards to lawyers and their corporate friends even though no judgments, decrees or orders have been rendered ] Attorneys admitted to the trial bar may appear alone in all matters. Attorneys admitted to the general bar, but not to the trial bar, may appear in association with a member of the trial bar in all matters and may appear alone except as otherwise provided by this rule. Even if the attorneys had filed an appearance of Counsel or another valid document along with a Certificate of Service which they did NOT. ( i ) Most of the attorneys re not members of the trial bar, meaning that they could not appear alone in court ( could not be lead counsel ) .See EXHIBIT 3 unsigned Appearance of Counsel forms ILND Local Rule 83.12 ( d ) states : ( d ) Waiver. A judge may permit an attorney admitted to the general bar, but not the trial bar, to appear alone in any aspect of a civil or criminal proceeding only upon written request by the client and a showing that the interests of justice are best served by a waiver of these rules. Such permission shall apply only to the proceeding in which it was granted and shall be limited to exceptional circumstances. After the attorney has made a significant amount of money which is several months or years down the line. ( Most of their billion-dollar profits come from simulated cases. ) The attorney will file a simulated Motion to Withdraw. The problem is that an attorney can not withdraw from a case in which they were never the attorney. Even if a valid Appearance had been filed and they were NOT. There are a host of local and federal laws that must be followed before an attorney can withdraw from a case. The requirements for signing a document are will be filed electronically are set out in Section IX ( A ) of the General Order on Electronic Case Filing it provides as follows : Electronically filed documents must include a signature block and must set forth the name, address, telephone number and the attorney 's bar registration number, if applicable. In addition, the name of the efiler under whose login and password the document is submitted must be preceded by an /s/ and typed in the space where the signature would otherwise appear. Page 3 of the above also states what a proper electronic signature should look like as shown below : Incorrect or no electronic signature The attorney logged into CM/ECF must be the same attorney whose name appears on the signature line. The electronic signature, typed at the signature line of the document, consists of the characters /s/ and the attorneys name typed out. For example, XXXX/XXXX XXXX is a properly formatted electronic signature. The Entry of a Judgment vs. Rendition of a Judgment According to XXXX XXXX XXXX XXXX XXXX XXXX, the Entry of Judgment is defined as follows : Formally recording the result of a lawsuit that is based upon the determination by the court of the facts and applicable law, makes the result effective for purposes of bringing an action to enforce it or to commence an appeal. The entry of a judgment is not the same as the rendition of a judgment. Rendition is a judicial act by a court in pronouncing the sentence of law based upon the facts in controversy. Entry occurs after the rendition of judgment and is a ministerial act that consists of recording the ultimate conclusion reached by the court in the action and providing concrete evidence of the judicially imposed consequences. It serves as a memorial of the action. For a final judgment to exist there must be an order that is signed by a Judge and the Entry of a Judgment that is dated and signed by the clerk and or deputy clerk of the court. Like other documents issued by the clerk of the court, such as a summons and a subpoena it should also have the seal of the court. While it is true, the clerk of the District Court is authorized to spread upon the court docket the proceedings had and relief granted by the court and to that extent is responsible for entry of the judgment, such clerk has no authority to perform the judicial function of rendering a judgment. An " order '' entered on the trial docket does not constitute a rendition of judgment. Any action maintaining to be a judgment, decree, or final order must be rendered, signed and entered to be valid. Further, XXXX XXXX XXXX is the Chief Justice of the Illinois Court of Claims. The Illinois Constitution Art. 6, 13 ( b ) and Federal law prohibits a judge from holding a position ( s ) of profit yet, XXXX XXXX XXXX holds numerous positions of profit which he greatly benefits from. Chief Judge XXXX XXXX XXXX works for the Illinois Secretary of state office. He has access to anyones personal information. Most if not all law firms, banks and other corporations uses his service of process companies and detective agencies listed under various names throughout the U.S. to trick unknowing litigants into believing that they have been served with a valid summons. XXXX XXXX XXXX owns most if not all of the process serving companies in Illinois and throughout the United States. His Process Servers know that they can not serve invalid summonses, such as those that are not signed and do not bear the seal of the court. Nonetheless his Process Servers brings them to individuals and corporations throughout the united states. This is because XXXX XXXX XXXX through his numerous subsidiaries has a monopoly on attorneys, real estate transactions, foreclosure auctions, etc. The Illinois Constitution Article 6, 13 ( b ) as does federal criminal and civil laws prohibits a judge from holding a position ( s ) of profit yet, XXXX XXXX holds numerous positions of profit which he greatly benefits from. XXXX XXXX XXXX XXXX, XXXX ( XXXX ) and its Affiliations ( The Exhibits listed in this section are from [ R. 255 ] and are incorporated herein by reference ) As stated previously Defendant XXXX is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). XXXX XXXX XXXX has numerous subsidiaries/affiliates : I will list a few : Some of these are disclosed such as XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX, The XXXX XXXX XXXX XXXX. Others are hidden such as : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX of the XXXX. XXXX XXXX is XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX ( This organization is used by some attorneys to befriend the elderly so that they can be tricked into getting a reverse mortgage. President Regan signed reverse mortgages into law. The elderly often loses their homes after getting one. ) XXXX XXXX, ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( loves to use patriotic words in their company names ) XXXX XXXX, XXXX XXXX XXXX XXXX, ( what do these tittles remind you of ) XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX ( According to XXXX, XXXX XXXX XXXX is the largest provider of services and technology focused exclusively on the e-Filing and eService needs of LAW FIRMS and COURTS in the United States ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. See the pin and deed as follows for XXXX XXXX XXXX XXXX, IL : He often keeps properties that he illegally auctions off for himself or keeps them in a trust for his fellow criminal co-conspirators. XXXX XXXX, and the XXXX XXXX and other non-defendants use XXXX as its sole property inspector and the XXXX XXXX for the auctioning off of foreclosure properties. XXXX has 2,300 attorney agents some of which are as follows : XXXX XXXX XXXX, XXXX who was/is employed by XXXX XXXX XXXX. They are agents for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as [ EXHIBIT 5 ]. Mr. XXXX as an attorney had/had a duty not to withhold this information from the court. He is also paid by the Illinois state government and XXXX County through taxpayer dollars. He is Defendants XXXX simulated attorney as he never filed an Appearance of Council. His simulated Motion to Withdraw as her attorney XXXX is also void. See [ R. 214 ]. XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX Agents of : XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX as XXXX EXHIBIT 6 ] XXXX XXXX XXXX, Agents of : XXXX, XXXX as [ EXHIBIT 7 ] XXXX XXXX XXXX, Agents of : XXXX, XXXX, XXXX as [ EXHIBIT 8 ] XXXX, XXXX XXXX XXXX XXXX of : XXXX, XXXX as [ EXHIBIT 9 ] XXXX XXXX XXXX XXXX XXXX XXXX, Agents of : XXXX, XXXX, XXXX as [ EXHIBIT 10 ] XXXX XXXX XXXX XXXX of XXXX XXXX, and an Agent of XXXX as [ EXHIBIT 11 ] XXXX and XXXX XXXX are one in the same ; therefore, when XXXX makes a monetary contribution to political candidates who help pass laws that benefit his entities financially, it is in clear violation of the law. His multi roles along with other judges and officers of the court corrupts and influences the judicial machinery in such a way that the impartial functions of the court have been directly corrupted. On XX/XX/XXXX, XXXX XXXX XXXX made the tax paying residents of the state of Illinois believed that XXXX XXXX XXXX could legally be passed. He did this by mimicking the filing of a Complaint in the Chancery Department in the XXXX County Circuit Court. This document was not legally filed. It was submitted manually and not electronically. As explained below he owns XXXX & XXXX the largest provider of efiling services for the courts. See Attorneys Title Guarantee Fund v. The Illinois department of Professional Regulation, et al. 2018CH0813. It is my belief XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX filled out and signed documents involving the Federal Election Commission and Voting Rights. Compare his signature to some of these cases. They care noting about people of color. They only use them as puppets to benefit their agenda. If you learn some of the basic court rules you will know that XXXX/XXXX could not legally file the above complaint, therefore he made the taxpayers think it was legally filed. XXXX XXXX XXXX and other Politicians should have thrown out SB0065 and all his other bills that put millions if not billions in his pocket. Instead guess what NO ONE said anything. The SB0065 was voted on. The void Bill Passed in favor or XXXX/XXXX XXXX XXXX. Illinois XXXX XXXX XXXX XXXX and Illinois House Representative XXXX XXXX XXXX sponsored senate XXXX XXXX. On information and belief XXXX XXXX XXXX has bribed most Republican and Democratic politicians and judges. They work for the benefit of his monopolies not for the benefit of the citizens that they are suppose to represent. XXXX XXXX XXXX created a monopoly of companies, bribed public officials, schools, churches, etc. which allowed him and his co-conspirators to keep stealing from taxpayers. This includes but is not limited to : charging enormous fees for closing costs, title insurance, sending his process servers to homes and businesses to serve fraudulent summonses, employing attorneys and law enforcement officials who engage in criminal activities, auctioning off properties that he knows can not be auctioned off. Remember no one owns a property outright unlit the mortgage is paid off or if you are lucky enough to pay if off. XXXX XXXX XXXX may be the most prolific, abysmal, greedy etc. alleged human that ever lived. It should be noted, XXXX XXXX a state senator at the time voted for it and for or against other bills that put money in XXXX pocket. Guess what he went to the XXXX XXXX XXXX XXXX the same law school XXXX attended. A copy of the votes for HB 65 are shown below Defendant XXXX, states in XXXX XXXX newsletter ( Id 78 Exhibit ) as follows : E-filing is already in place in most Illinois counties, with the rest joining them soon. The partnership between industry leaders XXXX XXXX and XXXX & XXXX means more efficiency and cost savings for law firms and courts. Illinois filers can now access both the process services of XXXX XXXX ( a subsidiary of XXXX ) and the electronic filing service ( XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, which are connected seamlessly through either company 's website. A reasonable person would ask why would XXXX, file a document manually and not electronically : ( i ) when they had already partnered with XXXX XXXX XXXX ( ii ) they provide services to lawyers and courts nationwide ( iii ) someone would have had to physically take the document ( s ) to the courthouse, ( iv ) when by e-filing per Defendant XXXX, a law firm can increase productivity as well as enjoy significant cost and time savings ( v ) Petitioner further notes the document was supposedly filed in the Chancery Division yet the file stamp used does not indicate that. ( vi ) The summons lacks a seal as [ EXHIBIT 21 ]. Making the case void from its inception. More and more it appears that a reasonable person would infer that Defendant XXXX is one of the top people in charge of the state and Federal Courts in Illinois and other states. The summons was allegedly signed by XXXX XXXX. This would be a red flag for a person that knows the law and can put pieces of a puzzle together. The job of issuing a summons is usually done by a Deputy Clerk. A Deputy Clerk can legally issue summonses in their name. A clerk can not sign XXXX XXXX name on a summons, a subpoena or any other documents that they can legally issue. They have to print and sign their own name. This is why when you see her name on a summons it is printed and not an actual signature. This makes sense for several reasons ( i ) in the XXXX XXXX located at XXXX XXXX XXXX, XXXX, Illinois. XXXX XXXX the head clerk works in her office on a different floor from where court filings take place. With all her alleged duties she could not possibly sign summonses and subpoenas all day. ( ii ) In addition, the XXXX County Circuit Court has six locations/district courts in XXXX County therefore, it would be physically impossible for XXXX XXXX to sign every summons or subpoena that requires the signature of the clerk. Even if this case was legal and could be filed and was legally filed in XXXX County Chancery Division, the illegal legislation makes consumers believe that it effects XXXX County and well as other Counties such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Counties and other counties. XXXX County does not have jurisdiction over these other counties. See XXXX XXXX. XXXX, XXXX XXXX XXXX of Claims and litigation, XX/XX/XXXX Newsletter article. This means that if you own property in neighborhood in a low economic area in XXXX county and XXXX dollar property in XXXX County, if you are member of the far right or far left you have been a victim of this scam committed by Republicans and Democrats. Per its own words XXXX freely states that it controls 100 % of the title insurance underwriting market in Illinois. Therefore, there can be no doubt that it is a monopoly and a casebook example at that. XXXX, XXXX XXXX is an employee of XXXX meaning they can not file foreclosures that use any of XXXX 's companies. On XXXX XXXX XXXX filed a XXXX XXXX with the XXXX County of Recorder of Deeds under penalty of perjury which he could not legally do because a foreclosure complaint was never filed with the court. All the documents contained an alleged judge 's stamp or no stamp at all. The Clerk 's file stamp is mandated by law to be placed on all documents filed with the court. This illegal action slandered the title to my property. | ||||||
| 04/26/2018 | Yes |
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Web | Servicemember |
| FOREWORD : PNC HAS NOTARTIZED THIRD PARTY AUTHORIZATION FROM ME, A COPY IS ALSO ATTACHED, THEY CLOSED THE RECENT TWO COMPLAINTS CLAIMING I AM NOT AUTHORIZED, I AM AND HAVE BEEN SINCE XX/XX/XXXX LOAN # # XXXX BORROWER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is my desperate attempt and plea for some resolution on this file. This short sale has broken me down with truly uncalled for stress and in the seven years Ive been negotiating short sales, I can not think of a worse experience than Ive had with PNC on this file. I have been working this file for over a year of my life ( since XX/XX/XXXX ) and I am desperately hoping for some help to finally get this resolved. Just when it seemed like we finally made it to the end and the approval was issued after 116 days in review ( with the current offer ). We were unable to close because a XXXX lien was found on title. However, on XX/XX/XXXX via phone call with XXXX XXXX she stated that the investor has APPROVED to pay the XXXX lien from sale proceeds. Which was what we were hoping for, however it is now two weeks later and I still do not have the updated approval to move the file into closing. The second lien, XXXX XXXX XXXX already had to RESTART the short sale because we already received the maximum amount of extensions while we were waiting for PNC to approve. XXXX XXXX XXXX came through and reissued a new approval ( attached ) that expires on XX/XX/XXXX. Which we must close by then as weve already exhausted our options with the second lien. Not to mention, the longer it takes to close the higher to pay off balance will be on the XXXX lien that was approved by the investor to pay from sale proceeds. Alas, there have been several prior issues with the processing on this file that I will not go in to details with as there is already much to deal with on the current matters. ( complaint XXXX about PNC BANK N.A.. ). Anyway as I mentioned above, we have/had approve on the short sale from PNC since XX/XX/XXXX, which has an expiration date of XX/XX/XXXX. It was confirmed by XXXX XXXX on XX/XX/XXXX the investor then approved our request for the XXXX lien that is in third position in the amount of {$6400.00} to be paid from sale proceeds. Now it would seem like everything would be grand and straighten out and we can proceed with closing however, I have yet to either get the confirmation to use our current approval, OR if PNC is going to issue a NEW approval that includes mention of the XXXX lien. Upon waiting I have been plague with the following requests from PNC that ae tedious and completely obsolete.. XX/XX/XXXX, XXXX stated the investor HAS approved our request to pay the XXXX lien, BUT they are asking for a NOTARIZED authorization. o Again, like I said before I have been working this file and a recognized authorized third party on the file for over a year, recent TPA even sent in back in XXXX. The request for a notarized TPA at this point of the game? Unnational yet I still complied. XX/XX/XXXX, Aside from the request for the notarized TPA I was then told to resend every-single-short sale-document, RESIGNED AND INDVIDIUALLY NOTARIZED. Sigh, again I have been negotiating short sales for over 7 years and never ever have I been requested to have documents already accepted be resigned and notarized when the documents dont even require. Yet I still completed and submitted the notarized documents on XX/XX/XXXX. XX/XX/XXXX, I was then requested for the identification the notary used when the signed documents were notarized by her. The same day not only did I forward the photo-copies of the ids, but also from the email from the notary to show authenticity. XX/XX/XXXX, I received a message stating PNC is now calling the notary and demanding even more. More of what? I dont even know and can not even phantom at this point as we complied and provided everything imaginable. I received an email from the notary that XXXX XXXX XXXX XXXX used for their documents a couple of weeks ago. PNC is contacting her directly and giving her a hard time about not liking the way she notarized. It took her over an hour & was done at no charge as a courtesy to the listing agent. XXXX ( the notary ) is a disinterested 3rd party and has no affiliation with XXXX XXXX XXXX. She did verify their IDs and provided copies. Im not sure what else they are looking for? Again, the short sale is/was approved with our offer, Investor approved the amendment request for payment to the XXXX lien, we still dont have the revised approval to move to closing, we really are exhausted and want to move to closing. Please put us out of our misery. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : URGENT URGENT URGENT EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : XXXX XXXX, Can you please call me today, I can be flexible and if you need to schedule a particular time I can make that work. Something has to be done on this file today, thank you I know you are trying to help and appreciate your time and assistance. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : URGENT URGENT URGENT EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Can you please call me ? Emails are not working, I just received the message below from the agent. There can not possible be anything wrong with the documents, per loss mits request I had EVERYTHING signed and notarized. Document that do not even require to be notarized which the only way to notarized them was to include a jurat which was done. Why is this file being held up again, I provided you notarized documents, proof of identification the notary used, what is the problem? Honestly, XXXX you know my frustration is stemming from a place where ive tried to be patience, I have been negotiating short sales for over seven year and I have never had a file make me want to give up as much as this one and what PNC is putting every one through unnecessarily. Hi XXXX I received the email below from the notary that XXXX XXXX XXXX XXXX used for their documents a couple of weeks ago. PNC is contacting her directly and giving her a hard time about not liking the way she notarized. It took her over an hour & was done at no charge as a courtesy to me. XXXX is a disinterested 3rd party and has no affiliation with XXXX XXXX XXXX. She did verify their IDs and provided copies. Im not sure what else they are looking for? Is there something further we need to do? Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct XXXX FAX Email : XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High I sent you this already it is not only copies of the IDs the notary used for the documents they notarized but you can see it was sent BY THE NOTARY SPECIFICALLY via email. What on earth can I provide other than this? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I received the following response from loss mitigation service partners : THE NOTARY WAS TO PROVIDE COPIES OF THE DOCUMENT USED TO VERIFY THE IDENTITY OF EACH PARTY. THIS IS NEEDED BEFORE WE WILL PROCEED. PER EMAIL FROM CA SUPERVISOR, THE IDENTIFICATION MUST BE NOTARIZED BY THE SAME NOTARY THAT WITNESSE D THE DOCS BECAUSE THE NOTARY FAILED TO PROVIDE TH IS WITH THE INITIAL PACKAGE AND THE NOTARY AFFIDAV IT DID NOT INCLUDE THE TYPE OF DOCUMENT USED TO VE RIFY IDENTITY. WE CAN NOT MOVE FWD UNTIL WE HAVE THIS INFORMATION XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Can you please follow up with them/investor to give some sort of timeline on when it will be confirmed to carrying with closing with the PNC approval we already have or if you will be issuing a new one? Please? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , Ive sent this over to loss mit to review. XXXX XXXX Escalation Lead, XXXX XXXX Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Please see attached, is this enough proof to move forward? I apologize for my hostility but I know you know what Ive been through with the file and entire experience and the stress has gotten to me. Please let me know when the approval will be released. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Can you please provide more information on when the approval will be issued? It doesnt make sense the file has to be at a stand still because of the documents because the documents are not new and were already reviewed, you just had me have them all resigned and notarized. The short sale was/is approval and you said it is okay for the XXXX lien to be paid from sale proceeds, so what is the hold up? Please let me know as I have to give the buyer an update today to prevent them from walking. Thank you for your assistance. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High But you said last Thursday the investor APPROVED the request to pay the UCC lien from sale proceeds. We already have approval why is the file being treated as if it brand new and all document need to be reviewed they are documents already reviewed and approved we just had to inconveniently have everything re-signed and notarized per underwritings request. Why is this holding back closing when everything was approved? What am I supposed to tell the buyer? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I do not have any updates. I have sent over all documents that you have sent me via email to my service partners in loss mitigation for review. Thank you, XXXX XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX 2nd lien had to REAPPROVE the short sale since we had their approval for so long and they were unable to issue any more extensions. Attached is the update approval. I need to move this file into closing but need your new approval letter acknowledging payment to the XXXX lien from sale proceeds. Thank you Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX We received your complaint. XX/XX/XXXX Hello, Thank you for your complaint XXXX about PNC. Keep this communication and your complaint number so youll be able to track your complaint throughout the complaint process. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Do you have an ETA on when the update approval that allows the UCC lien will be ready? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I have sent the documents to my service partners in loss mitigation. XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX XXXX Loss Mitigation XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High LOAN XXXX XXXX BORROWER : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I just wanted to confirm receipt of the notarized documents that I returned on Friday. Do you have an ETA on when the approval will be issued? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High LOAN # XXXX BORROWER : XXXX Anderson PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX **** Good Afternoon, Please find ALL documents notarized and resigned attached. Please submit so the revised approval letter can be issued. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , Loss Mit needs the notarized signed authorization for you. Ive asked loss mit to hold off on getting the ( complete ) package re-signed and notarized until we get a decision back from the Investor regarding the lien you brought to our attention and with additional research you provided surrounding it. As mentioned, we do need the notarized signed authorization. If you and the borrowers want to contact me ( together ) I can listen to your concerns and share them with my service partners. As Ive advised, I have asked my loss mit service partners to try and contact the Investor for an update. ( as of the date/time of my email Ive not heard any updates ) Thank you, XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High I just received this from the XXXX, ARE YOU KIDDING ME? @! @ XXXX @! @! Good morning XXXX, I just received a phone call from XXXX, from PNC, and she said that we not only have to fax/email the 3rd party authorization form for you to receive information but now we need to re-submit ALL the forms from the beginning. Like the Hardship assistance form, the listing agreement and the purchase contract, with signatures and our loan number on every page. When I inquired why we would need that she said its for our protection because our signatures were not consistent throughout this process. Im very confused as to why that is when in fact they were OUR signatures. Does this sound like a normal thing? She also said that we can just copy the already filed forms BUT with NEW SIGNATURES under the old ones and everything needs to be notarized. So if anyone still has those copies can you please email them to us so I can get this going. XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Any update from the investor on the XXXX lien? Its been two weeks I am on the verge of giving up.. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX I doubt the sellers have capacity to have it printed on legal. I told them to have the notary include a jurat. Thank you for your response. Please let me know as soon as you hear anything from the investor about the XXXX lien. If we dont have this cleared up soon its going to be a dead deal because the 2nd will not extend. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , That is the only authorization form that I have. Are you able to print in on legal size paper to allow for a notary seal? Its my understanding that loss mit is not requiring a certain form they are requiring that the verbiage to be present for the authorization and the signatures of the borrowers to be notarized by a neutral third party. Thank you, XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Thank you, I appreciate you reaching out so the investor can be followed up with. The authorization doesnt even have a notary block and is has to be notarized? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX XXXX XXXX | ||||||
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| My loan defaulted due to financial hardship. In the XXXX of XXXX, PNC allowed for a COVID-19 loan modification ; however, the interest rate increased from 3.35 % to 3.85 %, which increased my payments from {$1300.00} to {$1400.00} per month. It was unclear if increasing the interest rate and my monthly payments for a loan modification were legal. Still, it added an additional financial burden to an already financial hardship. I completed the loan modification package and sent it back to PNC. I received a letter/package with additional paperwork from PNC stating they should have included additional required documents for signature. I completed the paperwork and got it notarized. Then, received another letter/package stating other documents were not included in the original package and needed a signature and notarized. I signed and notarized the documents and sent PNC loss Mitigation a note stating I will not be signing and notarizing any more documents and should have all the documents required in the original package. PNC later sent additional documentation for signature and notarization. I did not sign or notarized the documents because the documents that were sent and already signed, notarized, and mailed to PNC. Since the XXXX of XXXX, I have been asking PNC for a statement showing what I owe, the remaining balance, payments, and interest rate as I used to receive before. I sent a XXXX message to PNC asking how I would be able to receive a statement so that I can seek assistance in paying for my mortgage through. I was told to contact PNC and remove my account number as it is held as a security risk. I contacted PNC Loss Mitigation again requesting a statement, and a representative stated that could not be done because my account is held under the bankruptcy department, and I would need to contact them. I contacted them, and they sent me an escrow statement showing my payment, not past due, and current balances. Information is needed from the Department of Housing to approve my application for housing assistance. Last week, I received an Escrow Account Disclosure Statement from PNC identifying my new payment effective XX/XX/XXXX for {$1400.00}, and my last payment was {$1300.00}, not knowing they were pursuing foreclosure. However, my previous wire payment was on XX/XX/XXXX, for {$1400.00}. I received a letter yesterday from my county court stating there was a filing against me for foreclosure on my home. I am currently on XXXX XXXXXXXX for XXXX. Therefore, my income has been reduced, and I have proof of every document I am stating in this complaint against PNC. In conclusion, PNC can produce an official mortgage statement ; it has nothing to do with my account being under the bankruptcy department, and PNC is choosing not to send me any statements in which I needed to seek financial assistance in my county. Even when making payments, I still did not receive a mortgage statement. My XXXX XXXX case has been dismissed since XX/XX/XXXX, and should not be an excuse not to send me statements; in order for me to seek financial assistance through my local county, I need PNC to provide the following : I want PNC to provide all mortgage statements for XXXX, XXXX, and XXXX. I want them to rescind their petition filing for foreclosure and provide me with a legit, organized, and all necessary paper for Loss Mitigation paperwork due to hardship. I also want my interest rate to go back to 3.75. I am still waiting for a packet from the Substitute Trustee to file for the Final Loss Mitigation document claims PNC sent. I want them to prove they were sending me statements because I have not received any. PNC needs to stop selling my information to third parties. According to the CFPB section 1026.41 Periodic Statements for residential mortgage loans, part states : ( a ) In general Official interpretation of 41 ( a ) In general.Show ( 1 ) Scope. This section applies to a closed-end consumer credit transaction secured by a dwelling, unless an exemption in paragraph ( e ) of this section applies. A closed-end consumer credit transaction secured by a dwelling is referred to as a mortgage loan for purposes of this section. ( 2 ) Periodic statements. A servicer of a transaction subject to this section shall provide the consumer, for each billing cycle, a periodic statement meeting the requirements of paragraphs ( b ), ( c ), and ( d ) of this section. If a mortgage loan has a billing cycle shorter than a period of 31 days ( for example, a bi-weekly billing cycle ), a periodic statement covering an entire month may be used. For the purposes of this section, servicer includes the creditor, assignee, or servicer, as applicable. A creditor or assignee that does not currently own the mortgage loan or the mortgage servicing rights is not subject to the requirement in this section to provide a periodic statement. ( b ) Timing of the periodic statement. The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. Official interpretation of 41 ( b ) Timing of the periodic statement.Show ( c ) Form of the periodic statement. The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. Sample forms for periodic statements are provided in appendix H-30. Proper use of these forms complies with the requirements of this paragraph ( c ) and the layout requirements in paragraph ( d ) of this section. Official interpretation of 41 ( c ) Form of the periodic statement.Show ( d ) Content and layout of the periodic statement. The periodic statement required by this section shall include : Official interpretation of 41 ( d ) Content and layout of the periodic statement.Show ( 1 ) Amount due. Grouped together in close proximity to each other and located at the top of the first page of the statement : Official interpretation of 41 ( d ) ( 1 ) Amount due.Show ( i ) The payment due date ; ( ii ) The amount of any late payment fee, and the date on which that fee will be imposed if payment has not been received ; and ( iii ) The amount due, shown more prominently than other disclosures on the page and, if the transaction has multiple payment options, the amount due under each of the payment options. ( 2 ) Explanation of amount due. The following items, grouped together in close proximity to each other and located on the first page of the statement : Official interpretation of 41 ( d ) ( 2 ) Explanation of amount due.Show ( i ) The monthly payment amount, including a breakdown showing how much, if any, will be applied to principal, interest, and escrow and, if a mortgage loan has multiple payment options, a breakdown of each of the payment options along with information on whether the principal balance will increase, decrease, or stay the same for each option listed ; ( ii ) The total sum of any fees or charges imposed since the last statement; and ( iii ) Any payment amount past due. ( 3 ) Past Payment Breakdown. The following items, grouped together in close proximity to each other and located on the first page of the statement : Official interpretation of 41 ( d ) ( 3 ) Past payment breakdown.Show ( i ) The total of all payments received since the last statement, including a breakdown showing the amount, if any, that was applied to principal, interest, escrow, fees and charges, and the amount, if any, sent to any suspense or unapplied funds account ; and ( ii ) The total of all payments received since the beginning of the current calendar year, including a breakdown of that total showing the amount, if any, that was applied to principal, interest, escrow, fees and charges, and the amount, if any, currently held in any suspense or unapplied funds account. ( 4 ) Transaction activity. A list of all the transaction activity that occurred since the last statement. For purposes of this paragraph ( d ) ( 4 ), transaction activity means any activity that causes a credit or debit to the amount currently due. This list must include the date of the transaction, a brief description of the transaction, and the amount of the transaction for each activity on the list. Official interpretation of 41 ( d ) ( 4 ) Transaction Activity.Show ( 5 ) Partial payment information. If a statement reflects a partial payment that was placed in a suspense or unapplied funds account, information explaining what must be done for the funds to be applied. The information must be on the front page of the statement or, alternatively, may be included on a separate page enclosed with the periodic statement or in a separate letter. ( 6 ) Contact information. A toll-free telephone number and, if applicable, an electronic mailing address that may be used by the consumer to obtain information about the consumer 's account, located on the front page of the statement. ( 7 ) Account information. The following information : ( i ) The amount of the outstanding principal balance ; ( ii ) The current interest rate in effect for the mortgage loan ; ( iii ) The date after which the interest rate may next change ; ( iv ) The existence of any prepayment penalty, as defined in 1026.32 ( b ) ( 6 ) ( i ), that may be charged ; ( v ) The Web site to access either the Bureau list or the HUD list of homeownership counselors and counseling organizations and the HUD toll-free telephone number to access contact information for homeownership counselors or counseling organizations ; and ( 8 ) Delinquency information. If the consumer is more than 45 days delinquent, the following items, grouped together in close proximity to each other and located on the first page of the statement or, alternatively, on a separate page enclosed with the periodic statement or in a separate letter : Official interpretation of 41 ( d ) ( 8 ) Delinquency information.Show ( i ) The length of the consumer 's delinquency ; ( ii ) A notification of possible risks, such as foreclosure, and expenses, that may be incurred if the delinquency is not cured ; ( iii ) An account history showing, for the previous six months or the period since the last time the account was current, whichever is shorter, the amount remaining past due from each billing cycle or, if any such payment was fully paid, the date on which it was credited as fully paid ; ( iv ) A notice indicating any loss mitigation program to which the consumer has agreed, if applicable ; ( v ) A notice of whether the servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process, if applicable ; ( vi ) The total payment amount needed to bring the account current ; and ( vii ) A reference to the homeownership counselor information disclosed pursuant to paragraph ( d ) ( 7 ) ( v ) of this section. ( e ) Exemptions Official interpretation of 41 ( e ) Exemptions.Show ( 1 ) Reverse mortgages. Reverse mortgage transactions, as defined by 1026.33 ( a ), are exempt from the requirements of this section. ( 2 ) Timeshare plans. Transactions secured by consumers ' interests in timeshare plans, as defined by 11 U.S.C. 101 ( 53D ), are exempt from the requirements of this section. ( 3 ) Coupon books. The requirements of paragraph ( a ) of this section do not apply to fixed-rate loans if the servicer : Official interpretation of 41 ( e ) ( 3 ) Coupon book exemption.Show ( i ) Provides the consumer with a coupon book that includes on each coupon the information listed in paragraph ( d ) ( 1 ) of this section ; ( ii ) Provides the consumer with a coupon book that includes anywhere in the coupon book : ( A ) The account information listed in paragraph ( d ) ( 7 ) of this section ; ( B ) The contact information for the servicer, listed in paragraph ( d ) ( 6 ) of this section ; and ( C ) Information on how the consumer can obtain the information listed in paragraph ( e ) ( 3 ) ( iii ) of this section ; ( iii ) Makes available upon request to the consumer by telephone, in writing, in person, or electronically, if the consumer consents, the information listed in paragraph ( d ) ( 2 ) through ( 5 ) of this section ; and ( iv ) Provides the consumer the information listed in paragraph ( d ) ( 8 ) of this section in writing, for any billing cycle during which the consumer is more than 45 days delinquent. ( 4 ) Small servicers Official interpretation of 41 ( e ) ( 4 ) Small servicers.Show ( i ) Exemption. A creditor, assignee, or servicer is exempt from the requirements of this section for mortgage loans serviced by a small servicer. ( ii ) Small servicer defined. A small servicer is a servicer that : Official interpretation of 41 ( e ) ( 4 ) ( ii ) Small servicer defined.Show ( A ) Services, together with any affiliates, 5,000 or fewer mortgage loans, for all of which the servicer ( or an affiliate ) is the creditor or assignee ; ( B ) Is a Housing Finance Agency, as defined in 24 CFR 266.5 ; or ( C ) Is a nonprofit entity that services 5,000 or fewer mortgage loans, including any mortgage loans serviced on behalf of associated nonprofit entities, for all of which the servicer or an associated nonprofit entity is the creditor. For purposes of this paragraph ( e ) ( 4 ) ( ii ) ( C ), the following definitions apply : ( 1 ) The term nonprofit entity means an entity having a tax exemption ruling or determination letter from the Internal Revenue Service under section 501 ( c ) ( 3 ) of the Internal Revenue Code of 1986 ( 26 U.S.C. 501 ( c ) ( 3 ) ; 26 CFR 1.501 ( c ) ( 3 ) -1 ), and ; ( 2 ) The term associated nonprofit entities means nonprofit entities that by agreement operate using a common name, trademark, or servicemark to further and support a common charitable mission or purpose. ( iii ) Small servicer determination. In determining whether a servicer satisfies paragraph ( e ) ( 4 ) ( ii ) ( A ) of this section, the servicer is evaluated based on the mortgage loans serviced by the servicer and any affiliates as of XXXX XXXX and for the remainder of the calendar year. In determining whether a servicer satisfies paragraph ( e ) ( 4 ) ( ii ) ( C ) of this section, the servicer is evaluated based on the mortgage loans serviced by the servicer as of XXXX XXXX and for the remainder of the calendar year. A servicer that ceases to qualify as a small servicer will have six months from the time it ceases to qualify or until the next XXXX XXXX, whichever is later, to comply with any requirements from which the servicer is no longer exempt as a small servicer. The following mortgage loans are not considered in determining whether a servicer qualifies as a small servicer : Official interpretation of 41 ( e ) ( 4 ) ( iii ) Small servicer determination.Show ( A ) Mortgage loans voluntarily serviced by the servicer for a non-affiliate of the servicer and for which the servicer does not receive any compensation or fees. ( B ) Reverse mortgage transactions. ( C ) Mortgage loans secured by consumers ' interests in timeshare plans. ( D ) Transactions serviced by the servicer for a seller financer that meets all of the criteria identified in 1026.36 ( a ) ( 5 ). ( 5 ) Certain consumers in bankruptcy Official interpretation of 41 ( e ) ( 5 ) Certain consumers in bankruptcy.Show ( i ) Exemption. Except as provided in paragraph ( e ) ( 5 ) ( ii ) of this section, a servicer is exempt from the requirements of this section with regard to a mortgage loan if : Official interpretation of 41 ( e ) ( 5 ) ( i ) Exemption.Show ( A ) Any consumer on the mortgage loan is a debtor in bankruptcy under title 11 of the United States Code or has discharged personal liability for the mortgage loan pursuant to 11 U.S.C. 727, 1141, 1228, or 1328 ; and ( B ) With regard to any consumer on the mortgage loan : ( 1 ) The consumer requests in writing that the servicer cease providing a periodic statement or coupon book ; ( 2 ) The consumer 's bankruptcy plan provides that the consumer will surrender the dwelling securing the mortgage loan, provides for the avoidance of the lien securing the mortgage loan, or otherwise does not provide for, as applicable, the payment of pre-bankruptcy arrearage or the maintenance of payments due under the mortgage loan ; Official interpretation of Paragraph 41 ( e ) ( 5 ) ( i ) ( B ) ( 2 ) .Show ( 3 ) A court enters an order in the bankruptcy case providing for the avoidance of the lien securing the mortgage loan, lifting the automatic stay pursuant to 11 U.S.C. 362 with regard to the dwelling securing the mortgage loan, or requiring the servicer to cease providing a periodic statement or coupon book; or ( 4 ) The consumer files with the court overseeing the bankruptcy case a statement of intention pursuant to 11 U.S.C. 521 ( a ) identifying an intent to surrender the dwelling securing the mortgage loan and a consumer has not made any partial or periodic payment on the mortgage loan after the commencement of the consumer 's bankruptcy case. Official interpretation of Paragraph 41 ( e ) ( 5 ) ( i ) ( B ) ( 4 ) .Show ( ii ) Reaffirmation or consumer request to receive statement or coupon book. A servicer ceases to qualify for an exemption pursuant to paragraph ( e ) ( 5 ) ( i ) of this section with respect to a mortgage loan if the consumer reaffirms personal liability for the loan or any consumer on the loan requests in writing that the servicer provide a periodic statement or coupon book, unless a court enters an order in the bankruptcy case requiring the servicer to cease providing a periodic statement or coupon book. Official interpretation of 41 ( e ) ( 5 ) ( ii ) Reaffirmation or consumer request to receive statement or coupon book.Show ( iii ) Exclusive address. A servicer may establish an address that a consumer must use to submit a written request under paragraph ( e ) ( 5 ) ( i ) ( B ) ( 1 ) or ( e ) ( 5 ) ( ii ) of this section, provided that the servicer notifies the consumer of the address in a manner that is reasonably designed to inform the consumer of the address. If a servicer designates a specific address for requests under paragraph ( e ) ( 5 ) ( i ) ( B ) ( 1 ) or ( e ) ( 5 ) ( ii ) of this section, the servicer shall designate the same address for purposes of both paragraphs ( e ) ( 5 ) ( i ) ( B ) ( 1 ) and ( e ) ( 5 ) ( ii ) of this section. ( iv ) Timing of compliance following transition Official interpretation of 41 ( e ) ( 5 ) ( iv ) Timing of compliance following transition.Show ( A ) Triggering events for transitioning to modified and unmodified periodic statements. A servicer transitions to providing a periodic statement or coupon book with the modifications set forth in paragraph ( f ) of this section or to providing a periodic statement or coupon book without such modifications when one of the following three events occurs : Official interpretation of 41 ( e ) ( 5 ) ( iv ) ( A ) Triggering events for transitioning to modified and unmodified periodic statements.Show ( 1 ) A mortgage loan becomes subject to the requirements of paragraph ( f ) of this section ; ( 2 ) A mortgage loan ceases to be subject to the requirements of paragraph ( f ) of this section ; or ( 3 ) A servicer ceases to qualify for an exemption pursuant to paragraph ( e ) ( 5 ) ( i ) of this section with respect to a mortgage loan. ( B ) Single-statement exemption. As of the date on which one of the events listed in paragraph ( e ) ( 5 ) ( iv ) ( A ) of this section occurs, a servicer is exempt from the requirements of this section with respect to the next periodic statement or coupon book that would otherwise be required but thereafter must provide modified or unmodified periodic statements or coupon books that comply with the requirements of this section. Official interpretation of 41 ( e ) ( 5 ) ( iv ) ( B ) Single-Statement Exemption.Show ( 6 ) Charged-off loans. Official interpretation of 41 ( e ) ( 6 ) Charged-off loans.Show ( i ) A servicer is exempt from the requirements of this section for a mortgage loan if the servicer : ( A ) Has charged off the loan in accordance with loan-loss provisions and will not charge any additional fees or interest on the account ; and ( B ) Provides, within 30 days of charge-off or the most recent periodic statement, a periodic statement, clearly and conspicuously labeled Suspension of Statements & Notice of Charge Off - Retain This Copy for Your Records. The periodic statement must clearly and conspicuously explain that, as applicable, the mortgage loan has been charged off and the servicer will not charge any additional fees or interest on the account ; the servicer will no longer provide the consumer a periodic statement for each billing cycle ; the lien on the property remains in place and the consumer remains liable for the mortgage loan obligation and any obligations arising from or related to the property, which may include property taxes ; the consumer may be required to pay the balance on the account in the future, for example, upon sale of the property ; the balance on the account is not being canceled or forgiven ; and the loan may be purchased, assigned, or transferred. Official interpretation of Paragraph 41 ( e ) ( 6 ) ( i ) ( B ) .Show ( ii ) Resuming compliance. ( A ) If a servicer fails at any time to treat a mortgage loan that is exempt under paragraph ( e ) ( 6 ) ( i ) of this section as charged off or charges any additional fees or interest on the account, the obligation to provide a periodic statement pursuant to this section resumes. ( B ) Prohibition on retroactive fees. A servicer may not retroactively assess fees or interest on the account for the period of time during which the exemption in paragraph ( e ) ( 6 ) ( i ) of this section applied. ( f ) Modified periodic statements and coupon books for certain consumers in bankruptcy. While any consumer on a mortgage loan is a debtor in bankruptcy under title 11 of the United States Code, or if such consumer has discharged personal liability for the mortgage loan pursuant to 11 U.S.C. 727, 1141, 1228, or 1328, the requirements of this section are subject to the following modifications with regard to that mortgage loan : Official interpretation of 41 ( f ) Modified periodic statements and coupon books for certain consumers in bankruptcy.Show ( 1 ) Requirements not applicable. The periodic statement may omit the information set forth in paragraphs ( d ) ( 1 ) ( ii ) and ( d ) ( 8 ) ( i ), ( ii ), and ( v ) of this section. The requirement in paragraph ( d ) ( 1 ) ( iii ) of this section that the amount due must be shown more prominently than other disclosures on the page shall not apply. ( 2 ) Bankruptcy notices. The periodic statement must include the following : ( i ) A statement identifying the consumer 's status as a debtor in bankruptcy or the discharged status of the mortgage loan ; and ( ii ) A statement that the periodic statement is for informational purposes only. ( 3 ) XXXX XXXX XXXX XXXX XXXX consumers. In addition to any other provisions of this paragraph ( f ) that may apply, with regard to a mortgage loan for which any consumer with primary liability is a debtor in a XXXX XXXX or XXXX XXXX bankruptcy case, the requirements of this section are subject to the following modifications : Official interpretation of 41 ( f ) ( 3 ) XXXX XXXX and XXXX XXXX consumers.Show ( i ) Requirements not applicable. In addition to omitting the information set forth in paragraph ( f ) ( 1 ) of this section, the periodic statement may also omit the information set forth in paragraphs ( d ) ( 8 ) ( iii ), ( iv ), ( vi ), and ( vii ) of this section. ( ii ) Amount due. The amount due information set forth in paragraph ( d ) ( 1 ) of this section may be limited to the date and amount of the post-petition payments due and any post-petition fees and charges imposed by the servicer. Official interpretation of 41 ( f ) ( 3 ) ( ii ) Amount due.Show ( iii ) Explanation of amount due. The explanation of amount due information set forth in paragraph ( d ) ( 2 ) of this section may be limited to : Official interpretation of 41 ( f ) ( 3 ) ( iii ) Explanation of amount due.Show ( A ) The monthly post-petition payment amount, including a breakdown showing how much, if any, will be applied to principal, interest, and escrow ; ( B ) The total sum of any post-petition fees or charges imposed since the last statement ; and ( C ) Any post-petition payment amount past due. ( iv ) Transaction activity. The transaction activity information set forth in paragraph ( d ) ( 4 ) of this section must include all payments the servicer has received since the last statement, including all post-petition and pre-petition payments and payments of post-petition fees and charges, and all post-petition fees and charges the servicer has imposed since the last statement. The brief description of the activity need not identify the source of any payments. ( v ) Pre-petition arrearage. If applicable, a servicer must disclose, grouped in close proximity to each other and located on the first page of the statement or, alternatively, on a separate page enclosed with the periodic statement or in a separate letter : Official interpretation of 41 ( f ) ( 3 ) ( v ) Pre-petition arrearage.Show ( A ) The total of all pre-petition payments received since the last statement ; ( B ) The total of all pre-petition payments received since the beginning of the consumer 's bankruptcy case ; and ( C ) The current balance of the consumer 's pre-petition arrearage. ( vi ) Additional disclosures. The periodic statement must include, as applicable : ( A ) A statement that the amount due includes only post-petition payments and does not include other payments that may be due under the terms of the consumer 's bankruptcy plan ; ( B ) If the consumer 's bankruptcy plan requires the consumer to make the post-petition mortgage payments directly to a bankruptcy trustee, a statement that the consumer should send the payment to the trustee and not to the servicer ; ( C ) A statement that the information disclosed on the periodic statement may not include payments the consumer has made to the trustee and may not be consistent with the trustee 's records ; ( D ) A statement that encourages the consumer to contact the consumer 's attorney or the trustee with questions regarding the application of payments ; and ( E ) If the consumer is more than 45 days delinquent on post-petition payments, a statement that the servicer has not received all the payments that became due since the consumer filed for bankruptcy. ( 4 ) Multiple obligors. If this paragraph ( f ) applies in connection with a mortgage loan with more than one primary obligor, the servicer may provide the modified statement to any or all of the primary obligors, even if a primary obligor to whom the servicer provides the modified statement is not a debtor in bankruptcy. Official interpretation of 41 ( f ) ( 4 ) Multiple obligors.Show ( 5 ) Coupon books. A servicer that provides a coupon book instead of a periodic statement under paragraph ( e ) ( 3 ) of this section must include in the coupon book the disclosures set forth in paragraphs ( f ) ( 2 ) and ( f ) ( 3 ) ( vi ) of this section, as applicable. The servicer may include these disclosures anywhere in the coupon book provided to the consumer or on a separate page enclosed with the coupon book. The servicer must make available upon request to the consumer by telephone, in writing, in person, or electronically, if the consumer consents, the information listed in paragraph ( f ) ( 3 ) ( v ) of this section, as applicable. The modifications set forth in paragraphs ( f ) ( 1 ) and ( f ) ( 3 ) ( i ) through ( iv ) and ( vi ) of this section apply to a coupon book and other information a servicer provides to the consumer under paragraph ( e ) ( 3 ) of this section. ( g ) Successor in interest. If, upon confirmation, a servicer provides a confirmed successor in interest who is not liable on the mortgage loan obligation with a written notice and acknowledgment form in accordance with Regulation X, 1024.32 ( c ) ( 1 ) of this chapter, the servicer is not required to provide to the confirmed successor in interest any written disclosure required by this section unless and until the confirmed successor in interest either assumes the mortgage loan obligation under State law or has provided the servicer an executed acknowledgment in accordance with Regulation X, 1024.32 ( c ) ( 1 ) ( iv ) of this chapter, that the confirmed successor in interest has not revoked. | ||||||
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| XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. PNC BANK XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 06/17/2020 | Yes |
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Web | Older American |
| XX/XX/XXXX CFPB Complaint on fraudulent 14 year old HELOC foreclosure complaint Dear CFPB, All the information below is easily verified by documentation and telephone recordings with all relevant parties. Please find below, the relevant information and documents necessary for your review of what we and others know to be a fraudulent, illegal, undocumented attempt to take our home via an illegal foreclosure complaint based on a previously discharged, then cancelled, then time barred, then discharged again due to statute of limitations, on a 14 year old home equity line of credit, ( HELOC ) loan for {$32000.00} Per your requested 5 step protocol, please see the following. 1. What is the complaint about? We are a XXXX year old pro se defendant couple with very little knowledge of the foreclosure process who are trying to fight a fraudulent foreclosure action on a 14 year old home equity line of credit ( HELOC ) for which there is no longer proper verification available to pro se defendants and consumers according to almost all relevant third party sources statements to us, as well as obvious attempts to obstruct our getting the proper documentation required to defend ourselves, if it even exists. Our complaint concerns the legitimacy of almost every aspect of the foreclosure action against us, from the origination irregularities sited by XXXX XXXX, to procedural violations, lack of standing, lack of complete and proper documentation and response, multiple redactions, possible fraudulent and misleading, contradictory recorded statements involving multiple parties engaged in the processing, holding, transfer violations, embezzlement, and/or the non application of a 1099-C cancellation of debt sited in documents issued by 2 Federal agencies, XXXX XXXX and the IRS. There are multiple issues in the improper origination of this loan that are a matter of record and constitute issues of material fact. There has been a consistent and deliberate lack of transparency as well as attempts to conceal, mislead and otherwise create confusion and ambiguity concerning the status and legitimacy of this debt, resulting in documented malfeasance, misfeasance and nonfeasance by multiple parties involved and therefore restricting the consumers rights to due diligence and thus harming our constitutional right of due process, in defending ourselves as pro se defendants, against this unsupported fraudulent foreclosure action against our home of 33 years. We believe, and are confident we can prove the illegal action against us to be a fraudulent attempt to collect a fraudulent debt, by corrupted third party defendants and plaintiffs that we believe do not have legal standing in an attempt to collect what we believe to be a previously resolved debt, which therefore represents an illegal action against us. This is clearly a thinly veiled attempt to bully homeowners into settling with pretender lenders on fraudulently trumped up, unsupported, time barred debts to target defendants that do not have financial means to defend themselves in hopes of bullying, blackmailing and extorting payment in lieu of and without affordable legal defense, which is why we need your assistance to making them provide all documents relating to and relevant to their claims of standing to collect this fraudulent, previously resolved, time barred debt, the legitimacy of the debt they have acquired, and the process by which they acquired the debt, including all billing and payment documents, interest and time stamped balances to document their debt totals claims made in their complaint over the life of the loan, all notifications sent to us of any and all title transfers, any 1099-C cancellation transactions associated with this loan. We request any and all documents relating to this loan be sent to us, including all private and public agencies documents including XXXX XXXX and all transfer and billing records going back to the origination of the loan forward, as are required by law by the current alleged owners of the debt, verification of the debt and a copy of the judgment. These illegal activities represent consumer fraud, predatory fraudulent debt collection, undocumented, obstructive and non-transparent actions against consumers and borrowers without proper and complete documentation or just cause to do so. Further we believe this may very well involve mail fraud, abuse of process, misleading and untruthful statements we have recorded and fraud on many levels by multiple parties due to gross lack of due diligence in originating and illegally transferring this loan. PNC had knowledge of the 1099-C cancellation document but did not follow up to be sure it was properly applied to our account. 2. What type of problem are we having? Obstruction, misleading information and a total lack of transparency. Upon multiple inquiries to all the parties involved from the origination of this loan forward, we were told this loan was too old to have any proper documentation. After not having heard anything from anyone for 9 years, my wife and I suddenly encountered all of the following : which includes everything from a total lack of cooperation to downright obstruction of our efforts to properly research, defend or respond to this foreclosure complaint on our home of 33 years. Our first mortgage has been current for many years now. But we have gotten no billing, inquiries, annual statements, notifications, nothing for 9 years concerning this HELOC 2nd mortgage until very recently for this foreclosure action with the sole exception of a 1099-C in XX/XX/XXXX, from 2 federal agencies ; XXXX XXXX and the IRS that should have cancelled this loan, as documentation of the cancellation required us to pay taxes on this cancelled loan. This happened at exactly the same time our 1st mortgage was sold. When our 1st mortgage was sold, we received the 1099-C cancellation of debt shortly after and all communication concerning the HELOC ceased until this complaint was filed almost 8 years later in late XXXX. We have experienced a total lack of any proper response and transparency after repeated requests by the Ohio Attorney Generals office and others for all necessary and relevant information, proper documentation and cooperation necessary for us to defend ourselves in this fraudulent, illegal foreclosure complaint. We have encountered a substantial, deliberate and damaging lack of transparency, cooperation, consistency of response in an attempt to engage and respond to plaintiffs ( XXXX XXXX XXXX XXXX ) complaint of foreclosure on our home, to include, but are not limited to multiple redactions in documents, conflicting, contradictory, misleading and inconsistent explanations of fact from multiple parties involved, conflicting documentation, non responses for information, all of which have delayed and denied our due diligence and therefore necessarily, our constitutionally guaranteed due process rights in defending this legal action against us and harmed our ability to properly respond, and defend ourselves against this foreclosure action in the courts. Additionally, in our attempt to defend ourselves we have encounters multiple redactions, intentionally misleading statements, multiple contradiction to the same question from the same parties and a total lack of cooperation to downright obstruction in our attempts to respond to these false claims and to defend ourselves and our home. We have been told repeatedly, by multiple third parties, involved relevant parties and previous owners of this debt, that this loan is simply too old to have proper documentation on this 14 year old loan, yet this complaint is based on what the Plaintiffs claim is sufficient documentation that it has failed to produce in its entirety. We have received no billing, inquiries, annual statements, notifications, judgment, nothing for 8 plus yearsconcerning this HELOC 2nd mortgage until very recently for this foreclosure action with the sole exception of the aforementioned 1099-C, cancellation statement form issued by XXXX XXXX and the IRS, requiring us to pay taxes on this cancelled debt in XXXX of XXXX. The efforts by XXXX XXXX, National City Bank ( now merged with PNC ) PNC Bank, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX law firm XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX attorneys for plaintiff ) have only further created ambiguity and confusion for my wife and I in our ability to properly defend and respond to this foreclosure complaint by their lack of proper response for complete documentation of the legitimacy of this collection effort. We are unable to afford an attorney and unable to obtain the representation of an attorney at this time. But that may not always be the case, based on new information we have uncovered in our own research and defense of this complaint. We believe this case deserves to be investigated as to regulatory and procedural violations that would inform the need for counterclaims / cross claims, related to malfeasance, misfeasance and nonfeasance and its broader implications to move the law to the benefit of untold numbers of home owners and consumers victimized by the illegal practices. Additionally, XXXX XXXX XXXX XXXX sent us a warning letter without proper language concerning our right to dispute. The original collection letters did not tell us we had the right to dispute their allegations and complaint, but specifically stated -- only what we would need to do if we did try to dispute their claims. The letter was very specific and states clearly that we have the right to reinstate after acceleration and other stipulations but somehow fails to clearly state our rights to dispute -- clearly stated for the consumer. This is very misleading, by omission, to many I am sure and not the intention of the law and what it in fact actually requires which is to inform us that we have the right to dispute this debt in court and otherwise. It is hard imagine with such specificity on other topics and rights clearly stated within the document that this was simply an oversight and not intended to diminish and marginalize a consumers rights to dispute as required by law.! 3. What happed? THE 1099-C CANCELLING OF DEBT, SENT BY THE IRS, DATED XX/XX/XXXX AND FILED BY XXXX XXXX 2 FEDERAL AGENCIES, WAS NOT, AND HAS NOT BEEN PROPERLY APPLIED AND THEREFORE REPRESENT FRAUDULENT AND RECKLESS ABANDONMENT BY THE OWNERS OF THE LOAN, IN AN ATTEMPT WRITE OFF, CANCEL, DIVIDE THE LOAN, DISCHARGE MULTIPLE TIMES, TO ILLEGALLY TRANSFER A FRAUDULENT, ILL CONCEIVED DEBT, THAT CAN NOT BE SEPARATED OUT FROM THE OBVIOUS CONFUSION, CONFLICTS AND CONTRADICTION CREATED BY THE ORIGINATORS OF THE LOAN PNC AND THE OTHER PARTIES INVOLVED IN WHAT ANY REASONABLE PERSON WOULD SEE AS A CONCERTED, COORDINATED, CONSISTENT RACKETEERING EFFORT TO UNLAWFULLY TRANSFER AND OR COLLECT WHAT IS AND SHOULD BE A NON EXISTENT, TIME BARRED, PREVIOULY CANCELLED DEBT, RIDDLED WITH FALSE & MISLEADING STATEMENTS, ORIGINATION AND TRANSFER IRREGULARITIES AND VIOLATIONS AND ILLEGALLY CREATED ORIGINATION IRREGULARITIES, OMISSIONS, AND VIOLATIONS HAVE CREATED AND GIVEN RISE TO MULTIPLE ISSUES OF MATERIAL FACT. We also have received demands for multiple conflicting sums and experienced Dual Actions during the negotiation of our loan modification which did not show the proper application of the 1099-C cancellation of debt, otherwise we would have included. what we then thought to be a cancelled debt, in our modification negotiation, therefore harming and damaging our legitimate financial options and well being. XXXX XXXX has confirmed the 1099-C cancellation they sent to the IRS, but they, PNC and others third parties claim the loan is too old and can not or will not provide requested information for tracking this action so we can confirm relevant details of who, when and how these illegal actions took place. The foreclosure complaints accuracy is very much in doubt, from the amounts claimed to be owed, procedural violations and lack of due diligence, to abuse of process, illegal and misleading title transfers, and multiple redactions restricting and obstructing our ability to defend ourselves to clarify what we believe to be deliberate, documentable counter/cross claims on multiple levels, as it relates to who was and was not the legal owners, who had standing to collect and service the illegally conceived and executed loan during 8 years without any communications. There is total obstruction of all information concerning the timing, ownership and lack of proper application of the 1099-C cancellation of debt, statute of limitations issues and the illegality of attempting to transfer a non negotiable instrument. We requested, because of the above stated obstruction, and were subsequently granted a 60 extension by the court, for the specific above stated reasons, in hopes of untangling all the ambiguity, obstruction, misleading and fraudulent information, facilitated by plaintiffs and other above stated third parties in a coordinated effort to deny consumers access to this relevant information and documentation if it does in fact even exist in reality. I am told it is only a denial of my rights of due process if plaintiffs dont supply that information to the court but how would the average consumer compel that response without legal counsel? This is not justice, fair or the spirit of the law in securing consumers due process in defending themselves, particularly with regard to proper foreclosure defense. We have discovered in this process, issues of material fact, and much to our surprise, that a XXXX cancellation of debt, issued by XXXX XXXX and the IRS that PNC bank was aware of, was not properly applied. In fact it was not applied at all from what we have found. We assume since the 1099-C was issued by the IRS, that the owners of the loan at that time PNC Bank or XXXX XXXX XXXX XXXX that all parties must have been and should have been aware of this cancellation of debt issued by the XXXX XXXX XXXX were used as a tax write off for the bank but were not properly, if at all, applied to our loan, but were realized by PNC BankXXXX XXXX And then later benefited from selling the loan to other parties. Therefore, there are tens of thousands of dollars of cancelled debt that were NOT applied by PNC or XXXX to our account and is therefore missing from our account while PNC, who owned both our 1st mortgage and HELOC loan, having committed grave origination illegalities, dividing and separating what originated as a single loan, when closing both these no doc, interest only loans on the same day. PNC sold our 1st mortgage in XXXX of XXXX. But after the 1st mortgage was sold, the HELOC disappeared completely, only to suddenly resurface in late XXXX after almost 9 years, except for the 1099-C cancellation of debt document that we received in XXXX, 3 plus months after PNC sold our mortgage, leading us to believe the 1099-C had been properly applied to our HELOC which completely disappeared off the radar at that same time. PNC stated in recordings to me, that they discharged our HELOC in XXXX, when they sold our 1st mortgage at that same time, then subsequently cancelled our HELOC, BURIED IT WITH NO COMMUNICATIONS TO US, sold our loans to other companies, then got it back, discharged it again due to the statute of limitations in XXXX of XXXX, then sold this HELOC again, after 2 discharges and 1 cancellation of the debt, THEN SOLD IT in late XXXX, AND ALL THE WHILE HAVING NOT PROPERLY APPLIED THE CANCELLATION OF DEBT ISSUED BY 2 FEDERAL AGENCIES. Again, I have all these statements recorded and therefore can be transcribed for you and the court. We have applied for numerous loans over the years, since XXXX when we received the 1099-C cancellation of debt and this loan did not show up on our credit reports and was never mentioned as existing, delinquent, defaulted or as an issue of any kind in the loan application process and granting of the loans. XXXX XXXX XXXX granted us a home equity loan recently but those funds seem to have been frozen upon the filing of this fraudulent foreclosure complaint, thus damaging, harming and limiting our ability to access those funds for needed repairs on our home, and crippled our financial planning in preparing for our retirement WHICH WE BELIEVE CLEARLY CREATES DOCUMENTED LIABILITY FOR THOSE FILING THIS FRAUDULENT COMPLAINT AGAINST US AS WELL AS FOR OTHER 3RD PARTIES. IN CONCLUSION, simply stated, it is easily verified that PNC owned both loans from XXXX, discharged our HELOC, in late XXXX, took the tax write off, was aware of the XXXX XXXX and IRS directed cancellation of debt to our loans, then buried our HELOC, without a word, for 9 years, sold it in late XXXX, and according to recordings I have of our conversations where they stated that they discharged it again in XXXX of XXXX, culminating in their fraudulently discharging our debt multiple times, not properly cancelling and applying the 1099-C cancellation of debt, per XXXX XXXX & IRS, 2 federal agencies directives, and then illegally and fraudulently selling this debt 12 years later. Just in the last year or so we have heard from 2 different law firms, and 3 different collection agencies and servicers on the same cancelled debt including different amounts due and different interests rates, no payment histories to support their false claims of how much is owed and as to who has the right to collect these differing amounts and we are relatively sure there were 2 or more collection agencies trying to collect on the same debt and with different amounts required. Further, PNC was pursuing foreclosure while we were trying to work out a modification and mediation which we know is highly illegal. The statute of limitation in Ohio is now based on retroactively applied changes made in XXXX establishing it as 6 years for promissory notes and/or loan documents that function as promissory notes which makes this note time barred in Ohio. 4. What company is this complaint about? XXXX XXXX XXXX XXXX. Foreclosure complaint This complaint involves XXXX XXXX, National City Bank, the loan originators in XX/XX/XXXX, until XXXX when they merged with PNC, then it sold to U.S Mortgage XXXX XXXX, XXXX XXXX XXXX XXXX, then to XXXX XXXX XXXX XXXX. Because no proper due diligence was done these were improperly transfers of this fraudulent, defective and illegal loan in between PNC and XXXX XXXX XXXX, but XXXX XXXX XXXX filed the foreclosure complaint via XXXX XXXX XXXX, attorneys for plaintiffs, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio, XXXX. XXXX XXXX, XXXX, who signed the complaint is no longer with that firm and so our certified mail, addressed to both attorneys has been returned to us, leaving us as pro se attorneys wondering who, what, if, when and how this complaint is moving forward and if our efforts to defend ourselves are being ignored, subjugated, invalidated, lost, or dismissed???? Servicers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Who are the people involved. XXXX XXXX XXXX XXXX XXXX XXXX -- attorneys for plaintiff below XXXX, Ohio, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) 6. What we are requesting : A full investigation into this highly irregular, very likely fraudulent and documented foreclosure action based on issues of material fact. All document relating to this complaint from all parties listed in this complaint to include but are not limited to the following which plaintiffs would be required to have to properly support claims alleged in this complaint. Judgement from the court against defendants dated XX/XX/XXXX with all relevant documents and complete payment and billing statements to support claims of XXXX owed dating from XX/XX/XXXX to present- XX/XX/XXXX as alleged in the complaint. All annual statements, banking records and documents from any person or company that engaged in any way with the origination, processing, taking of payments, collections, servicing, or ownership of this loan from origination to the present XX/XX/XXXX Plaintiffs, legal counsels licensing to represent out of state companies in collecting debts here in Ohio. XXXX XXXX XXXX XXXX, licensing and proof of standing to pursue out of state legal actions including foreclosure actions here in Ohio Provide any and all relevant information and documentation, dates and names of all parties engaged in the origination, processing, taking of payments, collections, transfers, assignments, allonges or ownership to support and document allegations asserted in plaintiffs foreclosure complaint, which any reasonable person would assume the plaintiffs would have in their possession in order to support any legitimate, legal and proper complaint to facilitate due process rights of pro se defendants and justify just cause via plaintiffs required due diligence, respect for this process and burden of proof clearly required by the law and the spirit of the law. 7. In Conclusion : We believe plaintiff purchased a illegitimate, non transferable, corrupted and defective instrument, defunct, compromised and therefore voided loan that has multiple legal issues creating issues of material fact that excludes them from having any standing to buy, sell, attempt to collect or take any legal action involving this loan, not the least of which is the lack of documentation due to its age and compromised and corrupted history and if this is not the case please provide full documentation to satisfy what the law would require as your burden of proof of your allegations in this complaint. Plaintiffs cant explain, much less prove to a judge and / or jury, beyond a reasonable doubt how the legitimacy, accuracy, intentions, timeliness, legality, procedural integrity, payment history, 1099-C Cancellation of debt failures, and other issues of material fact documented throughout the history of our loan/loans that seem to be undertaken to, and resulting in, gross nonfeasance, malfeasance and misfeasance repeatedly harming defendants and their ability to defend themselves. Our documents will prove, gross neglect and malfeasance as plaintiffs and other 3rd parties involved, lack of due diligence resulted in manipulation and corruption of the loans originations, randomly dividing the loan into pieces on what was intended to be a single loan from its inception, transfers, their failure to properly notify us about transfers, we believe fraudulently, with the probable intent to intentionally mislead, evade, generally create ambiguity, omit and obscure material information designed to intentionally hide information and tracking of the loan by pro se defendants and therefore did harm defendants due process rights in their attempts to properly defend themselves in this foreclosure complaint. It is clear that the illegal mishandling of this loan has been institutionalized throughout the lending, ownership and servicing process, creating an incentive to discourage transparency and accountability for consumers and homeowners, for which the entire system was designed to properly serve and protect as the final stakeholder and end user of the transaction! Therefore further investigation is necessary and wanting in this familiar practice attempted by large private banks to defraud homeowners and consumers through an unnecessarily and overly burdensome process to illuminate the issues, facts and relevant documents to resolve this issue outside of court if possible or through the legal system if necessary, therefore seriously harming and damaging homeowners and consumers legal rights of due process and self defense as in the case of my family as pro se defendants. In the clear light and spirit of the law this complaint should and must, be thoroughly investigated to ensure transparency, accountability and fairness to support homeowners and consumers to be sure the burden of proof is illuminate for the homeowner and consumers benefit, as a last resort and recourse as pro se defendants, to further attain and help confirm the truth and facts as required for justice to be served in deed, in law, in process and in the spirit of accountability in hopefully moving the law forward for many future outcomes, and as the law requires in order to find a fair, accountable and just outcome for the parties involved and for those who it can help to protect in the future. We believe plaintiff purchased a illegitimate, non transferable, corrupted and defective instrument, defunct, compromised and therefore voided loan that has multiple legal issues creating issues of material fact that excludes them from having any standing to buy, sell, attempt to collect or take any legal action involving this loan, not the least of which is the lack of documentation due to its age and compromised and corrupted history and if this is not the case please provide full documentation to satisfy what the law would require as your burden of proof of your allegations in this complaint. In recent years events clearly shows the corrupt culture of the national banking system and the damage repeatedly done to consumers and to the economy as a whole. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio, XXXX XXXX XXXX XXXX | ||||||
| 06/18/2020 | Yes |
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| XX/XX/XXXX CFPB COMPLAINT ON FRAUDULENT 14 YEAR OLD HELOC FORECLOSURE COMPLAINT DEAR CFPB, ALL THE INFORMATION BELOW IS EASILY VERIFIED BY DOCUMENTATION AND TELEPHONE RECORDINGS WITH ALL RELEVANT PARTIES. PLEASE FIND BELOW, THE RELEVANT INFORMATION AND DOCUMENTS NECESSARY FOR YOUR REVIEW OF WHAT WE AND OTHERS KNOW TO BE A FRAUDULENT, ILLEGAL, UNDOCUMENTED ATTEMPT TO TAKE OUR HOME VIA AN ILLEGAL FORECLOSURE COMPLAINT BASED ON A PREVIOUSLY DISCHARGED, THEN CANCELLED, THEN TIME BARRED, THEN DISCHARGED AGAIN DUE TO STATUTE OF LIMITATIONS, ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT, ( HELOC ) LOAN FOR {$32000.00} PER YOUR REQUESTED 5 STEP PROTOCOL, PLEASE SEE THE FOLLOWING. 1. WHAT IS THE COMPLAINT ABOUT? WE ARE A XXXX YEAR OLD PRO SE DEFENDANT COUPLE WITH VERY LITTLE KNOWLEDGE OF THE FORECLOSURE PROCESS WHO ARE TRYING TO FIGHT A FRAUDULENT FORECLOSURE ACTION ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT ( HELOC ) FOR WHICH THERE IS NO LONGER PROPER VERIFICATION AVAILABLE TO PRO SE DEFENDANTS AND CONSUMERS ACCORDING TO ALMOST ALL RELEVANT THIRD PARTY SOURCES STATEMENTS TO US, AS WELL AS OBVIOUS ATTEMPTS TO OBSTRUCT OUR GETTING THE PROPER DOCUMENTATION REQUIRED TO DEFEND OURSELVES, IF IT EVEN EXISTS. OUR COMPLAINT CONCERNS THE LEGITIMACY OF ALMOST EVERY ASPECT OF THE FORECLOSURE ACTION AGAINST US, FROM THE ORIGINATION IRREGULARITIES SITED BY XXXX XXXX, TO PROCEDURAL VIOLATIONS, LACK OF STANDING, LACK OF COMPLETE AND PROPER DOCUMENTATION AND RESPONSE, MULTIPLE REDACTIONS, POSSIBLE FRAUDULENT AND MISLEADING, CONTRADICTORY RECORDED STATEMENTS INVOLVING MULTIPLE PARTIES ENGAGED IN THE PROCESSING, HOLDING, TRANSFER VIOLATIONS, EMBEZZLEMENT, AND/OR THE NON APPLICATION OF A 1099-C CANCELLATION OF DEBT SITED IN DOCUMENTS ISSUED BY 2 FEDERAL AGENCIES, XXXX XXXX AND THE IRS. THERE ARE MULTIPLE ISSUES IN THE IMPROPER ORIGINATION OF THIS LOAN THAT ARE A MATTER OF RECORD AND CONSTITUTE ISSUES OF MATERIAL FACT. THERE HAS BEEN A CONSISTENT AND DELIBERATE LACK OF TRANSPARENCY AS WELL AS ATTEMPTS TO CONCEAL, MISLEAD AND OTHERWISE CREATE CONFUSION AND AMBIGUITY CONCERNING THE STATUS AND LEGITIMACY OF THIS DEBT, RESULTING IN DOCUMENTED MALFEASANCE, MISFEASANCE AND NONFEASANCE BY MULTIPLE PARTIES INVOLVED AND THEREFORE RESTRICTING THE CONSUMERS RIGHTS TO DUE DILIGENCE AND THUS HARMING OUR CONSTITUTIONAL RIGHT OF DUE PROCESS, IN DEFENDING OURSELVES AS PRO SE DEFENDANTS, AGAINST THIS UNSUPPORTED FRAUDULENT FORECLOSURE ACTION AGAINST OUR HOME OF 33 YEARS. WE BELIEVE, AND ARE CONFIDENT WE CAN PROVE THE ILLEGAL ACTION AGAINST US TO BE A FRAUDULENT ATTEMPT TO COLLECT A FRAUDULENT DEBT, BY CORRUPTED THIRD PARTY DEFENDANTS AND PLAINTIFFS THAT WE BELIEVE DO NOT HAVE LEGAL STANDING IN AN ATTEMPT TO COLLECT WHAT WE BELIEVE TO BE A PREVIOUSLY RESOLVED DEBT, WHICH THEREFORE REPRESENTS AN ILLEGAL ACTION AGAINST US. THIS IS CLEARLY A THINLY VEILED ATTEMPT TO BULLY HOMEOWNERS INTO SETTLING WITH PRETENDER LENDERS ON FRAUDULENTLY TRUMPED UP, UNSUPPORTED, TIME BARRED DEBTS TO TARGET DEFENDANTS THAT DO NOT HAVE FINANCIAL MEANS TO DEFEND THEMSELVES IN HOPES OF BULLYING, BLACKMAILING AND EXTORTING PAYMENT IN LIEU OF AND WITHOUT AFFORDABLE LEGAL DEFENSE, WHICH IS WHY WE NEED YOUR ASSISTANCE TO MAKING THEM PROVIDE ALL DOCUMENTS RELATING TO AND RELEVANT TO THEIR CLAIMS OF STANDING TO COLLECT THIS FRAUDULENT, PREVIOUSLY RESOLVED, TIME BARRED DEBT, THE LEGITIMACY OF THE DEBT THEY HAVE ACQUIRED, AND THE PROCESS BY WHICH THEY ACQUIRED THE DEBT, INCLUDING ALL BILLING AND PAYMENT DOCUMENTS, INTEREST AND TIME STAMPED BALANCES TO DOCUMENT THEIR DEBT TOTALS CLAIMS MADE IN THEIR COMPLAINT OVER THE LIFE OF THE LOAN, ALL NOTIFICATIONS SENT TO US OF ANY AND ALL TITLE TRANSFERS, ANY 1099-C CANCELLATION TRANSACTIONS ASSOCIATED WITH THIS LOAN. WE REQUEST ANY AND ALL DOCUMENTS RELATING TO THIS LOAN BE SENT TO US, INCLUDING ALL PRIVATE AND PUBLIC AGENCIES DOCUMENTS INCLUDING XXXX XXXX AND ALL TRANSFER AND BILLING RECORDS GOING BACK TO THE ORIGINATION OF THE LOAN FORWARD, AS ARE REQUIRED BY LAW BY THE CURRENT ALLEGED OWNERS OF THE DEBT, VERIFICATION OF THE DEBT AND A COPY OF THE JUDGMENT. THESE ILLEGAL ACTIVITIES REPRESENT CONSUMER FRAUD, PREDATORY FRAUDULENT DEBT COLLECTION, UNDOCUMENTED, OBSTRUCTIVE AND NON-TRANSPARENT ACTIONS AGAINST CONSUMERS AND BORROWERS WITHOUT PROPER AND COMPLETE DOCUMENTATION OR JUST CAUSE TO DO SO. FURTHER WE BELIEVE THIS MAY VERY WELL INVOLVE MAIL FRAUD, ABUSE OF PROCESS, MISLEADING AND UNTRUTHFUL STATEMENTS WE HAVE RECORDED AND FRAUD ON MANY LEVELS BY MULTIPLE PARTIES DUE TO GROSS LACK OF DUE DILIGENCE IN ORIGINATING AND ILLEGALLY TRANSFERRING THIS LOAN. 2. WHAT TYPE OF PROBLEM ARE WE HAVING? OBSTRUCTION, MISLEADING INFORMATION AND A TOTAL LACK OF TRANSPARENCY. UPON MULTIPLE INQUIRIES TO ALL THE PARTIES INVOLVED FROM THE ORIGINATION OF THIS LOAN FORWARD, WE WERE TOLD THIS LOAN WAS TOO OLD TO HAVE ANY PROPER DOCUMENTATION. AFTER NOT HAVING HEARD ANYTHING FROM ANYONE FOR 9 YEARS, MY WIFE AND I SUDDENLY ENCOUNTERED ALL OF THE FOLLOWING : WHICH INCLUDES EVERYTHING FROM A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION OF OUR EFFORTS TO PROPERLY RESEARCH, DEFEND OR RESPOND TO THIS FORECLOSURE COMPLAINT ON OUR HOME OF 33 YEARS. OUR FIRST MORTGAGE HAS BEEN CURRENT FOR MANY YEARS NOW. BUT WE HAVE GOTTEN NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, NOTHING FOR 9 YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF A 1099-C IN XX/XX/XXXX, FROM 2 FEDERAL AGENCIES ; XXXX XXXX AND THE IRS THAT SHOULD HAVE CANCELLED THIS LOAN, AS DOCUMENTATION OF THE CANCELLATION REQUIRED US TO PAY TAXES ON THIS CANCELLED LOAN. THIS HAPPENED AT EXACTLY THE SAME TIME OUR 1ST MORTGAGE WAS SOLD. WHEN OUR 1ST MORTGAGE WAS SOLD, WE RECEIVED THE 1099-C CANCELLATION OF DEBT SHORTLY AFTER AND ALL COMMUNICATION CONCERNING THE HELOC CEASED UNTIL THIS COMPLAINT WAS FILED ALMOST 8 YEARS LATER IN LATE XXXX. WE HAVE EXPERIENCED A TOTAL LACK OF ANY PROPER RESPONSE AND TRANSPARENCY AFTER REPEATED REQUESTS BY THE OHIO ATTORNEY GENERALS OFFICE AND OTHERS FOR ALL NECESSARY AND RELEVANT INFORMATION, PROPER DOCUMENTATION AND COOPERATION NECESSARY FOR US TO DEFEND OURSELVES IN THIS FRAUDULENT, ILLEGAL FORECLOSURE COMPLAINT. WE HAVE ENCOUNTERED A SUBSTANTIAL, DELIBERATE AND DAMAGING LACK OF TRANSPARENCY, COOPERATION, CONSISTENCY OF RESPONSE IN AN ATTEMPT TO ENGAGE AND RESPOND TO PLAINTIFFS ( XXXX XXXX XXXX XXXX ) COMPLAINT OF FORECLOSURE ON OUR HOME, TO INCLUDE, BUT ARE NOT LIMITED TO MULTIPLE REDACTIONS IN DOCUMENTS, CONFLICTING, CONTRADICTORY, MISLEADING AND INCONSISTENT EXPLANATIONS OF FACT FROM MULTIPLE PARTIES INVOLVED, CONFLICTING DOCUMENTATION, NON RESPONSES FOR INFORMATION, ALL OF WHICH HAVE DELAYED AND DENIED OUR DUE DILIGENCE AND THEREFORE NECESSARILY, OUR CONSTITUTIONALLY GUARANTEED DUE PROCESS RIGHTS IN DEFENDING THIS LEGAL ACTION AGAINST US AND HARMED OUR ABILITY TO PROPERLY RESPOND, AND DEFEND OURSELVES AGAINST THIS FORECLOSURE ACTION IN THE COURTS. ADDITIONALLY, IN OUR ATTEMPT TO DEFEND OURSELVES WE HAVE ENCOUNTERS MULTIPLE REDACTIONS, INTENTIONALLY MISLEADING STATEMENTS, MULTIPLE CONTRADICTION TO THE SAME QUESTION FROM THE SAME PARTIES AND A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION IN OUR ATTEMPTS TO RESPOND TO THESE FALSE CLAIMS AND TO DEFEND OURSELVES AND OUR HOME. WE HAVE BEEN TOLD REPEATEDLY, BY MULTIPLE THIRD PARTIES, INVOLVED RELEVANT PARTIES AND PREVIOUS OWNERS OF THIS DEBT, THAT THIS LOAN IS SIMPLY TOO OLD TO HAVE PROPER DOCUMENTATION ON THIS 14 YEAR OLD LOAN, YET THIS COMPLAINT IS BASED ON WHAT THE PLAINTIFFS CLAIM IS SUFFICIENT DOCUMENTATION THAT IT HAS FAILED TO PRODUCE IN ITS ENTIRETY. WE HAVE RECEIVED NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, JUDGMENT, NOTHING FOR 8 PLUS YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF THE AFOREMENTIONED 1099-C, CANCELLATION STATEMENT FORM ISSUED BY XXXX XXXX AND THE IRS, REQUIRING US TO PAY TAXES ON THIS CANCELLED DEBT IN XXXX OF XXXX. THE EFFORTS BY XXXX XXXX, NATIONAL CITY BANK ( NOW MERGED WITH PNC ) PNC BANK, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX LAW FIRM XXXX XXXX XXXX ( XXXX XXXX XXXX AND XXXX XXXX XXXX ATTORNEYS FOR PLAINTIFF ) HAVE ONLY FURTHER CREATED AMBIGUITY AND CONFUSION FOR MY WIFE AND I IN OUR ABILITY TO PROPERLY DEFEND AND RESPOND TO THIS FORECLOSURE COMPLAINT BY THEIR LACK OF PROPER RESPONSE FOR COMPLETE DOCUMENTATION OF THE LEGITIMACY OF THIS COLLECTION EFFORT. WE ARE UNABLE TO AFFORD AN ATTORNEY AND UNABLE TO OBTAIN THE REPRESENTATION OF AN ATTORNEY AT THIS TIME. BUT THAT MAY NOT ALWAYS BE THE CASE, BASED ON NEW INFORMATION WE HAVE UNCOVERED IN OUR OWN RESEARCH AND DEFENSE OF THIS COMPLAINT. WE BELIEVE THIS CASE DESERVES TO BE INVESTIGATED AS TO REGULATORY AND PROCEDURAL VIOLATIONS THAT WOULD INFORM THE NEED FOR COUNTERCLAIMS / CROSS CLAIMS, RELATED TO MALFEASANCE, MISFEASANCE AND NONFEASANCE AND ITS BROADER IMPLICATIONS TO MOVE THE LAW TO THE BENEFIT OF UNTOLD NUMBERS OF HOME OWNERS AND CONSUMERS VICTIMIZED BY THE ILLEGAL PRACTICES. ADDITIONALLY, XXXX XXXX XXXX XXXX SENT US A WARNING LETTER WITHOUT PROPER LANGUAGE CONCERNING OUR RIGHT TO DISPUTE. THE ORIGINAL COLLECTION LETTERS DID NOT TELL US WE HAD THE RIGHT TO DISPUTE THEIR ALLEGATIONS AND COMPLAINT, BUT SPECIFICALLY STATED -- ONLY WHAT WE WOULD NEED TO DO IF WE DID TRY TO DISPUTE THEIR CLAIMS. THE LETTER WAS VERY SPECIFIC AND STATES CLEARLY THAT WE HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND OTHER STIPULATIONS BUT SOMEHOW FAILS TO CLEARLY STATE OUR RIGHTS TO DISPUTE -- CLEARLY STATED FOR THE CONSUMER. THIS IS VERY MISLEADING, BY OMISSION, TO MANY I AM SURE AND NOT THE INTENTION OF THE LAW AND WHAT IT IN FACT ACTUALLY REQUIRES WHICH IS TO INFORM US THAT WE HAVE THE RIGHT TO DISPUTE THIS DEBT IN COURT AND OTHERWISE. IT IS HARD IMAGINE WITH SUCH SPECIFICITY ON OTHER TOPICS AND RIGHTS CLEARLY STATED WITHIN THE DOCUMENT THAT THIS WAS SIMPLY AN OVERSIGHT AND NOT INTENDED TO DIMINISH AND MARGINALIZE A CONSUMERS RIGHTS TO DISPUTE AS REQUIRED BY LAW.! 3. WHAT HAPPED? THE 1099-C CANCELLING OF DEBT, SENT BY THE IRS, DATED XX/XX/XXXX AND FILED BY XXXX XXXX, 2 FEDERAL AGENCIES, WAS NOT, AND HAS NOT BEEN PROPERLY APPLIED AND THEREFORE REPRESENT FRAUDULENT AND RECKLESS ABANDONMENT BY THE OWNERS OF THE LOAN, IN AN ATTEMPT WRITE OFF, CANCEL, DIVIDE THE LOAN, DISCHARGE MULTIPLE TIMES, TO ILLEGALLY TRANSFER A FRAUDULENT, ILL CONCEIVED DEBT, THAT CAN NOT BE SEPARATED OUT FROM THE OBVIOUS CONFUSION, CONFLICTS AND CONTRADICTION CREATED BY THE ORIGINATORS OF THE LOAN PNC AND THE OTHER PARTIES INVOLVED IN WHAT ANY REASONABLE PERSON WOULD SEE AS A CONCERTED, COORDINATED, CONSISTENT RACKETEERING EFFORT TO UNLAWFULLY TRANSFER AND OR COLLECT WHAT IS AND SHOULD BE A NON EXISTENT, TIME BARRED, PREVIOULY CANCELLED DEBT, RIDDLED WITH FALSE & MISLEADING STATEMENTS, ORIGINATION AND TRANSFER IRREGULARITIES AND VIOLATIONS AND ILLEGALLY CREATED ORIGINATION IRREGULARITIES, OMISSIONS, AND VIOLATIONS HAVE CREATED AND GIVEN RISE TO MULTIPLE ISSUES OF MATERIAL FACT. WE ALSO HAVE RECEIVED DEMANDS FOR MULTIPLE CONFLICTING SUMS AND EXPERIENCED DUAL ACTIONS DURING THE NEGOTIATION OF OUR LOAN MODIFICATION WHICH DID NOT SHOW THE PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, OTHERWISE WE WOULD HAVE INCLUDED. WHAT WE THEN THOUGHT TO BE A CANCELLED DEBT, IN OUR MODIFICATION NEGOTIATION, THEREFORE HARMING AND DAMAGING OUR LEGITIMATE FINANCIAL OPTIONS AND WELL BEING. XXXX XXXX HAS CONFIRMED THE 1099-C CANCELLATION THEY SENT TO THE IRS, BUT THEY, PNC AND OTHERS THIRD PARTIES CLAIM THE LOAN IS TOO OLD AND CAN NOT OR WILL NOT PROVIDE REQUESTED INFORMATION FOR TRACKING THIS ACTION SO WE CAN CONFIRM RELEVANT DETAILS OF WHO, WHEN AND HOW THESE ILLEGAL ACTIONS TOOK PLACE. THE FORECLOSURE COMPLAINTS ACCURACY IS VERY MUCH IN DOUBT, FROM THE AMOUNTS CLAIMED TO BE OWED, PROCEDURAL VIOLATIONS AND LACK OF DUE DILIGENCE, TO ABUSE OF PROCESS, ILLEGAL AND MISLEADING TITLE TRANSFERS, AND MULTIPLE REDACTIONS RESTRICTING AND OBSTRUCTING OUR ABILITY TO DEFEND OURSELVES TO CLARIFY WHAT WE BELIEVE TO BE DELIBERATE, DOCUMENTABLE COUNTER/CROSS CLAIMS ON MULTIPLE LEVELS, AS IT RELATES TO WHO WAS AND WAS NOT THE LEGAL OWNERS, WHO HAD STANDING TO COLLECT AND SERVICE THE ILLEGALLY CONCEIVED AND EXECUTED LOAN DURING 8 YEARS WITHOUT ANY COMMUNICATIONS. THERE IS TOTAL OBSTRUCTION OF ALL INFORMATION CONCERNING THE TIMING, OWNERSHIP AND LACK OF PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, STATUTE OF LIMITATIONS ISSUES AND THE ILLEGALITY OF ATTEMPTING TO TRANSFER A NON NEGOTIABLE INSTRUMENT. WE REQUESTED, BECAUSE OF THE ABOVE STATED OBSTRUCTION, AND WERE SUBSEQUENTLY GRANTED A 60 EXTENSION BY THE COURT, FOR THE SPECIFIC ABOVE STATED REASONS, IN HOPES OF UNTANGLING ALL THE AMBIGUITY, OBSTRUCTION, MISLEADING AND FRAUDULENT INFORMATION, FACILITATED BY PLAINTIFFS AND OTHER ABOVE STATED THIRD PARTIES IN A COORDINATED EFFORT TO DENY CONSUMERS ACCESS TO THIS RELEVANT INFORMATION AND DOCUMENTATION IF IT DOES IN FACT EVEN EXIST IN REALITY. I AM TOLD IT IS ONLY A DENIAL OF MY RIGHTS OF DUE PROCESS IF PLAINTIFFS DONT SUPPLY THAT INFORMATION TO THE COURT BUT HOW WOULD THE AVERAGE CONSUMER COMPEL THAT RESPONSE WITHOUT LEGAL COUNSEL? THIS IS NOT JUSTICE, FAIR OR THE SPIRIT OF THE LAW IN SECURING CONSUMERS DUE PROCESS IN DEFENDING THEMSELVES, PARTICULARLY WITH REGARD TO PROPER FORECLOSURE DEFENSE. WE HAVE DISCOVERED IN THIS PROCESS, ISSUES OF MATERIAL FACT, AND MUCH TO OUR SURPRISE, THAT A XXXX CANCELLATION OF DEBT, ISSUED BY FANNIE MAE AND THE IRS THAT PNC BANK WAS AWARE OF, WAS NOT PROPERLY APPLIED. IN FACT IT WAS NOT APPLIED AT ALL FROM WHAT WE HAVE FOUND. WE ASSUME SINCE THE 1099-C WAS ISSUED BY THE IRS, THAT THE OWNERS OF THE LOAN AT THAT TIME PNC BANK OR XXXX XXXX XXXX, THAT ALL PARTIES MUST HAVE BEEN AND SHOULD HAVE BEEN AWARE OF THIS CANCELLATION OF DEBT ISSUED BY THE XXXX XXXX XXXX WERE USED AS A TAX WRITE OFF FOR THE BANK BUT WERE NOT PROPERLY, IF AT ALL, APPLIED TO OUR LOAN, BUT WERE REALIZED BY PNC XXXX BANK AND THEN LATER BENEFITED FROM SELLING THE LOAN TO OTHER PARTIES. THEREFORE, THERE ARE TENS OF THOUSANDS OF DOLLARS OF CANCELLED DEBT THAT WERE NOT APPLIED BY PNC OR XXXX TO OUR ACCOUNT AND IS THEREFORE MISSING FROM OUR ACCOUNT WHILE PNC, WHO OWNED BOTH OUR 1ST MORTGAGE AND HELOC LOAN, HAVING COMMITTED GRAVE ORIGINATION ILLEGALITIES, DIVIDING AND SEPARATING WHAT ORIGINATED AS A SINGLE LOAN, WHEN CLOSING BOTH THESE NO DOC, INTEREST ONLY LOANS ON THE SAME DAY. PNC SOLD OUR 1ST MORTGAGE IN XXXX OF XXXX. BUT AFTER THE 1ST MORTGAGE WAS SOLD, THE HELOC DISAPPEARED COMPLETELY, ONLY TO SUDDENLY RESURFACE IN LATE XXXX AFTER ALMOST 9 YEARS, EXCEPT FOR THE 1099-C CANCELLATION OF DEBT DOCUMENT THAT WE RECEIVED IN XXXX, 3 PLUS MONTHS AFTER PNC SOLD OUR MORTGAGE, LEADING US TO BELIEVE THE 1099-C HAD BEEN PROPERLY APPLIED TO OUR HELOC WHICH COMPLETELY DISAPPEARED OFF THE RADAR AT THAT SAME TIME. PNC STATED IN RECORDINGS TO ME, THAT THEY DISCHARGED OUR HELOC IN XXXX, WHEN THEY SOLD OUR 1ST MORTGAGE AT THAT SAME TIME, THEN SUBSEQUENTLY CANCELLED OUR HELOC, BURIED IT WITH NO COMMUNICATIONS TO US, SOLD OUR LOANS TO OTHER COMPANIES, THEN GOT IT BACK, DISCHARGED IT AGAIN DUE TO THE STATUTE OF LIMITATIONS IN XXXX OF XXXX, THEN SOLD THIS HELOC AGAIN, AFTER 2 DISCHARGES AND 1 CANCELLATION OF THE DEBT, THEN SOLD IT IN LATE XXXX, AND ALL THE WHILE HAVING NOT PROPERLY APPLIED THE CANCELLATION OF DEBT ISSUED BY 2 FEDERAL AGENCIES. AGAIN, I HAVE ALL THESE STATEMENTS RECORDED AND THEREFORE CAN BE TRANSCRIBED FOR YOU AND THE COURT. WE HAVE APPLIED FOR NUMEROUS LOANS OVER THE YEARS, SINCE XXXX WHEN WE RECEIVED THE 1099-C CANCELLATION OF DEBT AND THIS LOAN DID NOT SHOW UP ON OUR CREDIT REPORTS AND WAS NEVER MENTIONED AS EXISTING, DELINQUENT, DEFAULTED OR AS AN ISSUE OF ANY KIND IN THE LOAN APPLICATION PROCESS AND GRANTING OF THE LOANS. XXXX XXXX BANK GRANTED US A HOME EQUITY LOAN RECENTLY BUT THOSE FUNDS SEEM TO HAVE BEEN FROZEN UPON THE FILING OF THIS FRAUDULENT FORECLOSURE COMPLAINT, THUS DAMAGING, HARMING AND LIMITING OUR ABILITY TO ACCESS THOSE FUNDS FOR NEEDED REPAIRS ON OUR HOME, AND CRIPPLED OUR FINANCIAL PLANNING IN PREPARING FOR OUR RETIREMENT WHICH WE BELIEVE CLEARLY CREATES DOCUMENTED LIABILITY FOR THOSE FILING THIS FRAUDULENT COMPLAINT AGAINST US AS WELL AS FOR OTHER 3RD PARTIES. IN CONCLUSION, SIMPLY STATED, IT IS EASILY VERIFIED THAT PNC OWNED BOTH LOANS FROM XXXX, DISCHARGED OUR HELOC, IN LATE XXXX, TOOK THE TAX WRITE OFF, WAS AWARE OF THE XXXX XXXX AND IRS DIRECTED CANCELLATION OF DEBT TO OUR LOANS, THEN BURIED OUR HELOC, WITHOUT A WORD, FOR 9 YEARS, SOLD IT IN LATE XXXX, AND ACCORDING TO RECORDINGS I HAVE OF OUR CONVERSATIONS WHERE THEY STATED THAT THEY DISCHARGED IT AGAIN IN XXXX OF XXXX, CULMINATING IN THEIR FRAUDULENTLY DISCHARGING OUR DEBT MULTIPLE TIMES, NOT PROPERLY CANCELLING AND APPLYING THE 1099-C CANCELLATION OF DEBT, PER XXXX XXXX & IRS, 2 FEDERAL AGENCIES DIRECTIVES, AND THEN ILLEGALLY AND FRAUDULENTLY SELLING THIS DEBT 12 YEARS LATER. JUST IN THE LAST YEAR OR SO WE HAVE HEARD FROM 2 DIFFERENT LAW FIRMS, AND 3 DIFFERENT COLLECTION AGENCIES AND SERVICERS ON THE SAME CANCELLED DEBT INCLUDING DIFFERENT AMOUNTS DUE AND DIFFERENT INTERESTS RATES, NO PAYMENT HISTORIES TO SUPPORT THEIR FALSE CLAIMS OF HOW MUCH IS OWED AND AS TO WHO HAS THE RIGHT TO COLLECT THESE DIFFERING AMOUNTS AND WE ARE RELATIVELY SURE THERE WERE 2 OR MORE COLLECTION AGENCIES TRYING TO COLLECT ON THE SAME DEBT AND WITH DIFFERENT AMOUNTS REQUIRED. FURTHER, PNC WAS PURSUING FORECLOSURE WHILE WE WERE TRYING TO WORK OUT A MODIFICATION AND MEDIATION WHICH WE KNOW IS HIGHLY ILLEGAL. THE STATUTE OF LIMITATION IN OHIO IS NOW BASED ON RETROACTIVELY APPLIED CHANGES MADE IN XXXX ESTABLISHING IT AS 6 YEARS FOR PROMISSORY NOTES AND/OR LOAN DOCUMENTS THAT FUNCTION AS PROMISSORY NOTES WHICH MAKES THIS NOTE TIME BARRED IN OHIO. 4. WHAT COMPANY IS THIS COMPLAINT ABOUT? XXXX XXXX XXXX XXXX. FORECLOSURE COMPLAINT THIS COMPLAINT INVOLVES XXXX XXXX, NATIONAL CITY BANK, THE LOAN ORIGINATORS IN XX/XX/XXXX, UNTIL XXXX WHEN THEY MERGED WITH PNC, THEN IT SOLD TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, THEN TO XXXX XXXX XXXX XXXX. BECAUSE NO PROPER DUE DILIGENCE WAS DONE THESE WERE IMPROPERLY TRANSFERS OF THIS FRAUDULENT, DEFECTIVE AND ILLEGAL LOAN IN BETWEEN PNC AND XXXX XXXX XXXX, BUT XXXX XXXX XXXX FILED THE FORECLOSURE COMPLAINT VIA XXXX AND XXXX, ATTORNEYS FOR PLAINTIFFS, XXXX XXXX XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OHIO, XXXX. XXXX XXXX, XXXX, WHO SIGNED THE COMPLAINT IS NO LONGER WITH THAT FIRM AND SO OUR CERTIFIED MAIL, ADDRESSED TO BOTH ATTORNEYS HAS BEEN RETURNED TO US, LEAVING US AS PRO SE ATTORNEYS WONDERING WHO, WHAT, IF, WHEN AND HOW THIS COMPLAINT IS MOVING FORWARD AND IF OUR EFFORTS TO DEFEND OURSELVES ARE BEING IGNORED, SUBJUGATED, INVALIDATED, LOST, OR DISMISSED???? SERVICERS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. WHO ARE THE PEOPLE INVOLVED. XXXX XXXX XXXX ATTORNEY AT LAW -- ATTORNEYS FOR PLAINTIFF BELOW XXXX, OHIO, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) 6. WHAT WE ARE REQUESTING : A FULL INVESTIGATION INTO THIS HIGHLY IRREGULAR, VERY LIKELY FRAUDULENT AND DOCUMENTED FORECLOSURE ACTION BASED ON ISSUES OF MATERIAL FACT. ALL DOCUMENT RELATING TO THIS COMPLAINT FROM ALL PARTIES LISTED IN THIS COMPLAINT TO INCLUDE BUT ARE NOT LIMITED TO THE FOLLOWING WHICH PLAINTIFFS WOULD BE REQUIRED TO HAVE TO PROPERLY SUPPORT CLAIMS ALLEGED IN THIS COMPLAINT. JUDGEMENT FROM THE COURT AGAINST DEFENDANTS DATED XX/XX/XXXX WITH ALL RELEVANT DOCUMENTS AND COMPLETE PAYMENT AND BILLING STATEMENTS TO SUPPORT CLAIMS OF XXXX OWED DATING FROM XX/XX/XXXX TO PRESENT- XX/XX/XXXX AS ALLEGED IN THE COMPLAINT. ALL ANNUAL STATEMENTS, BANKING RECORDS AND DOCUMENTS FROM ANY PERSON OR COMPANY THAT ENGAGED IN ANY WAY WITH THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, SERVICING, OR OWNERSHIP OF THIS LOAN FROM ORIGINATION TO THE PRESENT XX/XX/XXXX PLAINTIFFS, LEGAL COUNSELS LICENSING TO REPRESENT OUT OF STATE COMPANIES IN COLLECTING DEBTS HERE IN OHIO. XXXX XXXX XXXX XXXX, LICENSING AND PROOF OF STANDING TO PURSUE OUT OF STATE LEGAL ACTIONS INCLUDING FORECLOSURE ACTIONS HERE IN OHIO PROVIDE ANY AND ALL RELEVANT INFORMATION AND DOCUMENTATION, DATES AND NAMES OF ALL PARTIES ENGAGED IN THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, TRANSFERS, ASSIGNMENTS, ALLONGES OR OWNERSHIP TO SUPPORT AND DOCUMENT ALLEGATIONS ASSERTED IN PLAINTIFFS FORECLOSURE COMPLAINT, WHICH ANY REASONABLE PERSON WOULD ASSUME THE PLAINTIFFS WOULD HAVE IN THEIR POSSESSION IN ORDER TO SUPPORT ANY LEGITIMATE, LEGAL AND PROPER COMPLAINT TO FACILITATE DUE PROCESS RIGHTS OF PRO SE DEFENDANTS AND JUSTIFY JUST CAUSE VIA PLAINTIFFS REQUIRED DUE DILIGENCE, RESPECT FOR THIS PROCESS AND BURDEN OF PROOF CLEARLY REQUIRED BY THE LAW AND THE SPIRIT OF THE LAW. 7. IN CONCLUSION : WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. PLAINTIFFS CANT EXPLAIN, MUCH LESS PROVE TO A JUDGE AND / OR JURY, BEYOND A REASONABLE DOUBT HOW THE LEGITIMACY, ACCURACY, INTENTIONS, TIMELINESS, LEGALITY, PROCEDURAL INTEGRITY, PAYMENT HISTORY, 1099-C CANCELLATION OF DEBT FAILURES, AND OTHER ISSUES OF MATERIAL FACT DOCUMENTED THROUGHOUT THE HISTORY OF OUR LOAN/LOANS THAT SEEM TO BE UNDERTAKEN TO, AND RESULTING IN, GROSS NONFEASANCE, MALFEASANCE AND MISFEASANCE REPEATEDLY HARMING DEFENDANTS AND THEIR ABILITY TO DEFEND THEMSELVES. OUR DOCUMENTS WILL PROVE, GROSS NEGLECT AND MALFEASANCE AS PLAINTIFFS AND OTHER 3RD PARTIES INVOLVED, LACK OF DUE DILIGENCE RESULTED IN MANIPULATION AND CORRUPTION OF THE LOANS ORIGINATIONS, RANDOMLY DIVIDING THE LOAN INTO PIECES ON WHAT WAS INTENDED TO BE A SINGLE LOAN FROM ITS INCEPTION, TRANSFERS, THEIR FAILURE TO PROPERLY NOTIFY US ABOUT TRANSFERS, WE BELIEVE FRAUDULENTLY, WITH THE PROBABLE INTENT TO INTENTIONALLY MISLEAD, EVADE, GENERALLY CREATE AMBIGUITY, OMIT AND OBSCURE MATERIAL INFORMATION DESIGNED TO INTENTIONALLY HIDE INFORMATION AND TRACKING OF THE LOAN BY PRO SE DEFENDANTS AND THEREFORE DID HARM DEFENDANTS DUE PROCESS RIGHTS IN THEIR ATTEMPTS TO PROPERLY DEFEND THEMSELVES IN THIS FORECLOSURE COMPLAINT. IT IS CLEAR THAT THE ILLEGAL MISHANDLING OF THIS LOAN HAS BEEN INSTITUTIONALIZED THROUGHOUT THE LENDING, OWNERSHIP AND SERVICING PROCESS, CREATING AN INCENTIVE TO DISCOURAGE TRANSPARENCY AND ACCOUNTABILITY FOR CONSUMERS AND HOMEOWNERS, FOR WHICH THE ENTIRE SYSTEM WAS DESIGNED TO PROPERLY SERVE AND PROTECT AS THE FINAL STAKEHOLDER AND END USER OF THE TRANSACTION! THEREFORE FURTHER INVESTIGATION IS NECESSARY AND WANTING IN THIS FAMILIAR PRACTICE ATTEMPTED BY LARGE PRIVATE BANKS TO DEFRAUD HOMEOWNERS AND CONSUMERS THROUGH AN UNNECESSARILY AND OVERLY BURDENSOME PROCESS TO ILLUMINATE THE ISSUES, FACTS AND RELEVANT DOCUMENTS TO RESOLVE THIS ISSUE OUTSIDE OF COURT IF POSSIBLE OR THROUGH THE LEGAL SYSTEM IF NECESSARY, THEREFORE SERIOUSLY HARMING AND DAMAGING HOMEOWNERS AND CONSUMERS LEGAL RIGHTS OF DUE PROCESS AND SELF DEFENSE AS IN THE CASE OF MY FAMILY AS PRO SE DEFENDANTS. IN THE CLEAR LIGHT AND SPIRIT OF THE LAW THIS COMPLAINT SHOULD AND MUST, BE THOROUGHLY INVESTIGATED TO ENSURE TRANSPARENCY, ACCOUNTABILITY AND FAIRNESS TO SUPPORT HOMEOWNERS AND CONSUMERS TO BE SURE THE BURDEN OF PROOF IS ILLUMINATE FOR THE HOMEOWNER AND CONSUMERS BENEFIT, AS A LAST RESORT AND RECOURSE AS PRO SE DEFENDANTS, TO FURTHER ATTAIN AND HELP CONFIRM THE TRUTH AND FACTS AS REQUIRED FOR JUSTICE TO BE SERVED IN DEED, IN LAW, IN PROCESS AND IN THE SPIRIT OF ACCOUNTABILITY IN HOPEFULLY MOVING THE LAW FORWARD FOR MANY FUTURE OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE FUTURE. WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. IN RECENT YEARS EVENTS CLEARLY SHOWS THE CORRUPT CULTURE OF THE NATIONAL BANKING SYSTEM AND THE DAMAGE REPEATEDLY DONE TO CONSUMERS AND TO THE ECONOMY AS A WHOLE. SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OHIO, XXXX XXXX XXXX XXXX | ||||||
| 06/30/2023 | Yes |
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| XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX consumerfinance.gov ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I. SUBJECT : CONFIDENTIAL XXXX XXXX | FL XXXX XXXX Application ( ADA ) Medical Certification of Health Care Provider and Patient Certification and Reasonable Accommodation Request and Reporting COMPLAINT involving ( 9 ) COMPANIES/PEOPLE of unfair, deceptive, abusive, collusion, and law-breaking practices. II. SELF-IDENTIFYING AS INDIVIDUAL FILING COMPLAINTS Property Owner Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX. SELF-IDENTIFYING AS INDIVIDUAL FILING COMPLAINTS WITH XXXX AND XXXX NATION OF ORIGIN On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX XXXX MEDICAL INFORMATION with the ( 8 ) Eight COMPANIES/PEOPLE involved and ( 2 ) additional COMPANIES PEOPLE Americans with Disabilities Act ( ADA ) Medical Certification of Health Care Provider and Patient Certification Reasonable Accommodation Request Form. On XX/XX/XXXX, when I finally was able to connect on the phone with XXXX XXXX, FL XXXX XXXX Program Manager, I, XXXX XXXX XXXX shared CONFIDENTIAL MEDICAL INFORMATION and explained the damaging effects of the stress and XXXX produced by the breach of verbal and written confirmation I would receive the maximum annual grant amount of {$50000.00} late XX/XX/XXXX, yet despite XXXX XXXX being in communication with the Servicers, no payments were made. IV. SUMMARY The Type of Debt : Mortgage and Other debt related to homeownership ( Mortgage Payments, Homeowners Insurance, Homeowners Taxes, Homeowners Association Maintenance Fees, and Legal Fees ) FL XXXX, Case Manager XXXX XXXX, in writing and verbally, informed late XX/XX/XXXX I met the Prioritization Requirements of Eligible Homeowner : '' Qualified Financial Hardship '', " Socially Disadvantage '', " Tier 1 '', and " FHA Loan '' and was approved to receive the maximum per household {$50000.00} financial assistance structured as a non-recoursegrant. I, XXXX XXXX, personally communicated in writing to all companies involved about notice of eligibility for the FL XXXX XXXX Program in late XX/XX/XXXX and XXXX XXXX Bankruptcy filed XX/XX/XXXX by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX in United States Bankruptcy XXXX - XXXX XXXX of Florida. FL XXXX, as of today, XX/XX/XXXX, has yet to disburse Mortgage Assistance Program payments for mortgage loans, property taxes, insurance, HOA 's ( Homeowner Association ) maintenance fees, including applicable late charges, directly to lenders, loan servicers, or HOAs. On XX/XX/XXXX, I filed complaints with Consumer Financial Protection Bureau ( CFPB ) concerning the ( 8 ) COMPANIES and PEOPLE involved in the process for the application, FL XXXX XXXX, I submitted on XX/XX/XXXX to The Homeowner Assistance Fund ( HAF ), a XXXX Treasury XXXX XXXX program operated by The Florida Department of Economic Opportunity ( FL DEO ). " The Homeowner Assistance Fund ( HAF ) was established under Section 3206 of the American Rescue Plan Act ( the ARP ) of XXXX '' to provide " financial assistance to Florida through the United States Department of the Treasury ( Treasury ). The purpose of the HAF is to mitigate financial hardships associated with the COVID-19 pandemic by preventing homeowners ' mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacement. The Florida Department of Economic Opportunity ( DEO or the Department ) has been designated to manage and operate the HAF on behalf of the state of Florida. '' Unfortunately, the only response I received was from PNC BANK. Upon reading PNC BANK response letter, it is clear PNC BANK does not understand the reason why I filed the complaint. Thus, I am filing again one COMPLAINT hoping all parties involve understand the interdependency and DOMINO EFFECT/ CAUSE & EFFECT with serious adverse consequences to me. The eight companies involved broke laws related to Fair Debt Collection Practices Act ( FBCPA ), Florida State Bankruptcy Stay, and Bankruptcy Discharged Debts Collections. The consequence of their collective unfair, deceptive, abusive practices, will result in displacement due to homeowners ' mortgage delinquencies, defaults, and foreclosure, with unnecessary high legal fees. The first DOMINO PIECE, FL DEO HAF breach of verbal and written confirmation eligibility and approval of FL DEO HAF plan grant financial assistance of {$50000.00}. I communicated this information to the parties involved and based decision of bankruptcy to file based in the verbal and written communication I was eligible for the grant. For the COMPLAINT I submit today, XX/XX/XXXX, I also include U.S. Department of Housing & Urban Development ( HUD ), Office of Fair Housing and Equal Opportunity ( FHEO ) FHEO Region 4 ( Southeast ) - FL. On XX/XX/XXXX, I filed HUDCOMPLAINT XXXX. The reasons to include is it is the option provided as next step in their determination letter and also because proper understanding of the charges I filed complain were not investigated and I was not asked to provide the evidence I have : Our office, the Office of Fair Housing and Equal Opportunity administratively enforces the Fair Housing Act designed to afford all persons an equal opportunity to live in housing of their choice and to participate in HUD-assisted programs and activities without regard torace, color, national origin, sex, religion, familial status ( families with children under 18 ) or disability.For our office to assist you, the law requires your experiences to be connected to the above underline protections. The information you provided shows no connection between the above underlined protections and the experience ( s ) you described ; therefore, our office does not have jurisdiction to accept your complaint for investigation. HUDCOMPLAINT, like the CFPB, is understanding PNC BANK as the only party involved, which is not the case. The investigator had a one hour conversation with me. I provided over 60 pages of detailed time line, FACT FINDING, and offered to provide the original evidence supporting discrimination for protected classes : disability, nation of origin and victim of assault. The reason why PNC BANK was the only response of the ( 8 ) filed, is because exploiting time passed, the statement for PNC BANK alone is now over {$50000.00}. Likewise, is the reason HUD Complaint was not property evaluated. The actions of the COMPANIES/PEOPLE have a start at XX/XX/XXXX through XX/XX/XXXX. There was ample time for FL DEO HAF to disburse payments. It is deceptive to assume that their actions throughout the process vanish and funnel only to PNC BANK. All companies involved also received a Legal Notice of Bankruptcy and knew " Identify the Property You Claim as Exempt '' ( property address I occupy : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). " The Schedule D : Creditors Who Have Claims Secured by Property '' include PNC BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ). " The Statement of Intention for Individuals Filing Under Chapter XXXX informed each party of my Intent to Retain the property and enter into a Reaffirmation Agreement ''. Although FL DEO HAF is not a creditor, I informed and provided copies of the Bankruptcy filing in XX/XX/XXXX to FL DEO Case Manager XXXX XXXX, XXXX XXXX, XXXX XXXX. Likewise, since XXXX, to XXXX XXXX, XXXX XXXX and the XXXX. In Summary, I, XXXX XXXX, write to request ( CFPB ) Consumer Finance Protection Bureau take enforcement action against the eight companies and persons ( FL Bar attorneys ) I report violating the laws related to Fair Debt Collection Practices Act ( FBCPA ), Bankruptcy Stay and Bankruptcy Discharged Debts Collections to remedy the harm to myself. Additionally, False Statements Representation ( the breach or verbal and written statement of eligibility and grant amount is a breach of contract with severe effects on my mental health emotional and actual damages and with adverse home displacement ). V. DESCRIBE WHAT HAPPENED, and we'll send your comments to the companies involved : I, XXXX XXXX, have unsuccessfully tried to fix the issue with each Creditor/ Servicer. Thus, on XX/XX/XXXX, I filed Eight ( 8 ) complaints individually with Consumer Financial Protection Bureau ( CFPB ). The complaints are filed separately, but they are all linked and dependent on each. In other words, it is a complaint to report collusion, corruption, abuse, ill-will, law breaking actions related to the Florida Department of Economic Opportunity Homeowners Assistance Fund Program application XXXX submitted on XX/XX/XXXX, the property creditors/servicers, and their attorneys- ( all parties involved ). FL DEO HAF Case Manager XXXX XXXX confirmed verbally, and in writing, I qualified, was eligible, and would receive the maximum amount per household in the HAF program of {$50000.00} in XX/XX/XXXX. Since, I requested FL DEO HAF assistance with Mortgage and Condo HOAs, every month since, I provided updated figures for Mortgage Reinstatement and Condo HOA 's Payoffs Letters in XXXX, XXXX, XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. However, today is XX/XX/XXXX, and FL XXXX XXXX is yet to disburse direct payments to the Creditors ( Mortgage Lender and Condo Homeowner Associations ). The delay since XX/XX/XXXX resulted in the attorney 's representing each Creditor billing excessively during XXXX XXXX Bankruptcy Automatic Stay Legal Protection period knowing the property was exempt because I was seeking assistance and financial relief approved by FL DEO HAF. In XXXX, I had grounds to dispute some legal fees, but I did not receiving responses or resolution to grievance and legal fees disputes. The Mortgage Reinstatement and Condo HOA 's Payoffs Letters in XXXX, XXXX, XXXX, XXXX of XXXX, included almost all legal and other fees amount with the exception of some fees in dispute. Up to XX/XX/XXXX, the total amount was below {$50000.00}. I, XXXX XXXX, personally communicated in writing to all companies involved about notice of eligibility for the FL DEO HAF Program in late XX/XX/XXXX. I also informed al parties involved Chapter XXXX Bankruptcy was filed XX/XX/XXXX by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX in United States Bankruptcy Court - Southern District of Florida and the Property and the HOAs had intentionally been listed EXEMPT in the bankruptcy operating based on the verbal and written information from FL DEO HAF that they would pay the maximum of {$50000.00}. I was represented by a Florida Bankruptcy attorney with 30 years of experience. It was never my intention to include legal fees in the bankruptcy ( I had a few in dispute for reasons I could support and provide evidence, but I was not until XX/XX/XXXX discharging all legally allowed legal fees incurred prior to XX/XX/XXXX date of bankruptcy filing ). However, given FL XXXX XXXX had not yet remitted payments in XX/XX/XXXX, and the combined amount was XXXX on XX/XX/XXXX submission, I fear displacement and housing insecurity. On XX/XX/XXXX as legal allowed in Florida bankruptcy law, legal fees incurred prior to XX/XX/XXXX filing were included as Amendment. It was a legally sound recourse, before the bankruptcy discharged on XX/XX/XXXX. After XX/XX/XXXX, Bankruptcy Discharge, I asked the three attorneys to provide separate letters : Mortgage Reinstatement Letter and separate Detailed Legal Charges Invoice. Likewise, I asked for each Condo Homeowner Association Payoffs Letters and separate Detailed Legal Charges Invoices. That is, I requested separate Mortgage Reinstatement Letter, Condo HOA 's Payoffs Letters, and Detailed Legal Fees separate LOGS Legal, XXXX, and XXXX & XXXX. All three Legal firms declined. They stated they will not separate the legal fees charges, nor provide Detailed Legal Invoices with Date, Description, Amount, etc. despite having Bankruptcy Court Discharge Document. Although XXXX XXXX ( LOGS Legal ), XXXX XXXX Valdes XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledge receiving from me the Court 's Bankruptcy Discharge file, all attorneys declined to provide separate detailed invoices or subtract the portion of the legal fees I was Legally advised I could include in XXXX XXXX Bankruptcy by XXXX XXXX XXXX The attorneys representing the creditors continue to attempt to collect the wrong amount. Legal Fees debts were discharged and are no longer owed. By denying the request for separate Letters and Invoices, the amount exceeds {$50000.00}. This has cause a bottle neck. FL DEO HAF XXXX XXXX and XXXX XXXX have been authorized to communicate with the creditors and their attorney directly. I continue to be actively involved. Despite my timely and complete submission of the documentation requested and having granted authorization to facilitate and complete the application, instead of assistance, XXXX XXXX ignored all my emails, and calls. I submitted the XXXX set of letters ( XX/XX/XXXX ), valid through the end of XX/XX/XXXX, to XXXX XXXX, XXXX XXXX, XXXX, post XX/XX/XXXX Bankruptcy Discharge of Legal Fees. The total assistance amount for is {$47000.00} ( that is, excluding the legal fees discharged in Bankruptcy ). Key dates I submitted complete sets of ( a ) Mortgage Reinstatement Letter, ( b ) MASTER Homeowner Association Payoff Letter, and ( c ) SOUTH TOWER Homeowner Association Payoff Letter, as requested by FL DEO HAF : ( 1st set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 2nd set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 3rd set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 4th set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 5th set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 6th set ) XX/XX/XXXX - valid thru the end of XXXX figures amount is below {$50000.00} However, FL DEO HAF is yet to disburse direct payments to the Creditors ( Mortgage Lender and Condo Homeowner Associations ). For example, I submitted the 5th set of letters ( XX/XX/XXXX ), valid through the end of XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, post XX/XX/XXXX Bankruptcy Discharge of Legal Fees, and the total financial assistance amount XXXX was {$45000.00} ( less than {$50000.00} ). Likewise, the 6th set of letters ( XX/XX/XXXX ), valid through the end of XX/XX/XXXX, I submitted XXXX, XXXX XXXX and XXXX XXXX, XXXX XX/XX/XXXX Bankruptcy Discharge of Legal Fees, total financial assistance amount for is {$47000.00} ( that is, excluding the legal fees discharged in bankruptcy ). Also, less than {$50000.00}. The reason why PNC BANK was the only response of the ( 8 ) filed, is because exploiting time passed, the statement for PNC BANK alone is now over {$50000.00}. Likewise, is the reason HUD Complaint. also was not property evaluated. The actions of the COMPANIES/PEOPLE have a start at XX/XX/XXXX through XX/XX/XXXX. There was ample time for FL XXXX XXXX to disburse payments. It is deceptive to assume that their actions throughout the process vanish and funnel only to PNC BANK. All companies involved also received a Legal Notice of Bankruptcy and knew " Identify the Property You Claim as Exempt '' ( property address I occupy : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). " The Schedule D : Creditors Who Have Claims Secured by Property '' include PNC BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ). " The Statement of Intention for Individuals Filing Under XXXX XXXX informed each party of my Intent to Retain the property and enter into a Reaffirmation Agreement ''. Although FL DEO HAF is not a creditor, I informed and provided copies of the Bankruptcy filing in XX/XX/XXXX to FL DEO Case Manager XXXX XXXX, XXXX XXXX, XXXX XXXX. Likewise, since XXXX, to XXXX XXXX, XXXX XXXX and the XXXX. In Summary, I, XXXX XXXX, write to request ( CFPB ) Consumer Finance Protection Bureau take enforcement action against the eight companies and persons ( FL Bar attorneys ) I report violating the laws related to Fair Debt Collection Practices Act ( FBCPA ), Bankruptcy Stay and Bankruptcy Discharged Debts Collections to remedy the harm to myself. Additionally, False Statements Representation ( the breach or verbal and written statement of eligibility and grant amount is a breach of contract with severe effects on my mental health emotional and actual damages and with adverse home displacement ). VI. THE PROBLEMS I AM HAVING : False statements or representation - Breach of Contract ( written and verbal ) by ( FL DEO HAF ) Florida Department of Economic Opportunity Homeowner Assistance Fund and and Emotional Distress and Damages cause as result of FL DEO Case Manager XXXX XXXX, in writing and verbally, informed late XX/XX/XXXX I met the Prioritization Requirements of Eligible Homeowner : " Qualified Financial Hardship '', " Socially Disadvantage '', " Tier 1 '', and " FHA Loan '' and was approved to receive the maximum per household {$50000.00} financial assistance structured as a non-recoursegrant for FL DEO HAF. I trusted the information I received, and immediately shared it with Mortgage Bank servicing my FHA Loan and the two Condo Homeowner Associations and at the time only one attorney representing PNC BANK. I complied, and continue to comply, with the requirement " The homeowner must provide all necessary documentation to satisfy program guidelines within timeframes established by DEO, including self-certification or attestation of income and Socially Disadvantaged Individual status by Self-certifying being Hispanic/Latina. For example, I provided monthly valid thru the month of XXXX, XXXX and XX/XX/XXXX Mortgage Reinstatement and Condo HOA Payoff Letters totaling below {$50000.00}. FL DEO HAF Time Delay ( opposite of good-faith ) caused the amount which by then was growing excessively with Legal Fees as now each Mortgage Bank and Condo HOA attorneys was involved. Additionally, XXXX XXXX XXXX XXXX of FL DEO HAF contacted me XX/XX/XXXX and informed she had been in communication with all parties involved, but no payment direct to the Creditors/Servicers has been made. Attempts to collect debt disputed with reason as not owed The XXXX, XXXX and XXXX of XXXX amounts for Mortgage Assistance and Condo HOA Assistance included almost all the legal and other fees from the attorneys. I had reason to dispute some amounts. For example, HOA Master managed by property manager XXXX XXXX XXXX XXXX in XX/XX/XXXX informed that they will take Right-of-Use of assigned parking space Number XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Fl XXXX. The monthly Condo HOA Monthly Maintenance in XXXX was {$160.00} and in XXXX is {$190.00}. The market price amount to rent the parking space monthly ranges from {$180.00} to {$200.00} a month. In other words, the monthly maintenance fee has been in trade settling money owed by taking Right-of-Use of assigned parking space. Another example is that although LOGS Legal attorneys representing PNC BANK waited to serve the Foreclosure documents via XXXX mail in XX/XX/XXXX, I had been in contact with XXXX XXXX, LOGS Legal attorney, since XX/XX/XXXX and she had confirmation I occupied the property at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Fl XXXX. However, LOGS Legals was making attempts to serve the Foreclosure documents and list charges of XXXX for servicing multiple attempts to service the documents to an address I do not reside at and they had Self-Certification from me by submitting Property XXXX I owner occupied the property. Attempts to collect legal fees debt not owed given discharge in bankruptcy ( legal fees debt incurred prior to XX/XX/XXXX, under the was discharged in bankruptcy ). I, XXXX XXXX, personally communicated in writing to all companies involved about notice of eligibility for the FL DEO HAF Program in late XX/XX/XXXX. I also informed al parties involved Chapter XXXX Bankruptcy was filed XX/XX/XXXX by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX in United States Bankruptcy Court - Southern District of Florida and the Property and the HOAs had intentionally been listed EXEMPT in the bankruptcy operating based on the verbal and written information from FL XXXX XXXX that they would pay the maximum of {$50000.00}. I was represented by a Florida Bankruptcy attorney with 30 years of experience. It was never my intention to include legal fees in the bankruptcy, but given FL DEO HAF had not yet remitted payments in XX/XX/XXXX, and the combined amount was XXXX on XX/XX/XXXX submission, in what is very human, fear of displacement and housing insecurity, on XX/XX/XXXX as legal allowed in Florida bankruptcy law, legal fees incurred prior to XX/XX/XXXX filing were included as Amendment. It was a legally sound recourse, before the bankruptcy XXXX on XX/XX/XXXX. All legal fees justified to dispute prior to including in legal fees to discharge in bankruptcy, resulted in Unresponsive Disputes in Writing to correct the amount owed. Likewise, oncelegal fees debts were discharged in bankruptcy. Unresponsive Disputes in Writing to correct the amount owedafter debts were discharged in bankruptcy or prior justified disputed. Took or threatened to take negative or legal action ( threatened to sue, seize property ) Severe effects on my mental health XXXX, emotional and actual damages and with adverse home displacement. VII. WHAT WOULD BE A FAIR RESOLUTION? FL DEO Homeowner Assistance Fund Plan to pay mortgage lender and HOAs the FL DEO HAF grant amount of {$50000.00} maximum per calendar year. FL DEO Homeowner Assistance Fund Plan to pay as consideration for emotional and actual damages FL DEO HAF APP-XXXX grant amount of {$50000.00} maximum per calendar year for XX/XX/XXXX to XX/XX/XXXX and also for the portion of XX/XX/XXXX to date. PNC BANK to modify the mortgage loan. PNC BANK to request hired attorneys XXXX XXXX XXXX to exclude the legal fees discharged in bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXXequest XXXX XXXX XXXX ( XXXX ) to exclude the legal fees XXXX in bankruptcy. XXXX XXXX XXXX XXXX to acknowledge they took possession, Right-of-Use, of property assigned parking space and its market rent rate is above the the monthly MASTER HOA Condo Monthly maintenance fee . Settle in trade. XXXX XXXX XXXX XXXX to request XXXX & XXXX to exclude the legal fees XXXX in bankruptcy. XXXX XXXX XXXX XXXX to request XXXX & XXXX to close the matter against any legal fees owed. | ||||||
| 09/18/2021 | Yes |
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| XX/XX/XXXX Hi, I am following up on a complaint I opened up earlier, but it took some time to gather and scan all the supporting documents so I am opening up a new complaint even though it is actually the same issue ongoing. I have detailed below the difficulty trying to establish and maintain Covid Forbearance with PNC Bank by the month. I now have the ability to attach scanned documents proving my communication efforts and their lack of appropriate response. I apologize in advance for how lengthy this complaint is, but I want to show what a pattern of incompetence and misleading, deceitful practices PNC has engaged in with us. I have attached a more reader friendly version of this letter in my attachments. __________________________________________________________________________________ I am facing potential foreclosure from PNC Bank even though I have requested and qualify for Covid Forbearance. On XX/XX/XXXX, I received notice that my house may face foreclosure proceedings if I do not remit a lump sum payment by the end of this month, XX/XX/XXXX, even though while under forbearance I requested multiple times to add our missed payments to the end of the life of the loan. My clear and timely requests for Covid forbearance and to re-pay those missed payments during Covid forbearance at the end of our loan period, thereby, as allowed per the CARES Act, extending the life of the loan as opposed to paying one lump sum at the end of forbearance period, were met inappropriately with generic loss mitigation packets, if they were acknowledged at all. My partner and I have had to spend hours trying to communicate through multiple channels : directly through the PNC website, by phone, fax, and certified letter, as well as indirectly through a prior complaint filed with CFPB in XX/XX/XXXX. We can not seem to get appropriate action or communication no matter what we do. The CARES Act dictates that requesting Covid Forbearance should be a simple procedure, yet since XX/XX/XXXX my partner and co-borrower, XXXX XXXX, and I have been put through unnecessary distress and have had to redirect countless hours we should have spent educating our XXXX and XXXX children or keeping our XX/XX/XXXX afloat during shelter-in-place instead toward saving our home from PNC Bank incompetence, if not willful deceit. We have followed all guidelines in our requests. We have a federally-backed mortgage through XX/XX/XXXX . We attested to our financial hardship caused directly and indirectly by Covid-19. We have communicated that we want to add our missed payments to the end of the life of the loan, not a lump sum payment, since we first entered Covid forbearance. We have missed 16 monthly payments and would like to be granted the last 2 months of missed payments bringing our total to 18 months of Covid forbearance, something we are allowed to request under federal law. Yet, time and again PNC has made it difficult if not impossible to receive our Covid Forbearance. When we ask for 180 days of Covid Forbearance, they send us loss mitigation instead, and then when we ask again, they send us 3 months. When we inform them of their errors, they either refuse to correct these errors, or ignore our demand for the fix altogether. They have spent a great deal of time and effort trying to get us onto a loss mitigation plan that is not Covid Forbearance payment deferral related. Now they claim we can not have the last two months of 18 months of Covid Forbearance, and as such are demanding a lump sum payment of all missed payments by the end of XXXX or else risk foreclosing proceedings. Every month since XXXX has left us in knots wondering what we have to communicate to get this right, and what the fall out will be if it isnt corrected in a timely manner. PNC has caused us to waste countless hours calling, writing, gathering, and scanning paperwork. I have also called or emailed half a dozen attorneys, the DFPI, the OCC, the FTC, the local DA office, as well the CFPB. On the CFPB website, it states that the CARES Act intended for the process of requesting and receiving Covid Forbearance to be simple. Yet here we are, begging and pleading over and over again to have PNC comply with the CARES ACT. In the meanwhile we have to devote resources to figure out how to stop them from foreclosing on our house. The only consistent thing PNC Bank has communicated is their desire to somehow get us to sign away our right to be on a Covid Forbearance plan and to agree to loss mitigation instead. We feel that since XXXX, their refusal to mention, offer, or accept Covid Forbearance and their refusal to correct mistakes and cease making them in the first place amounts to a pattern of deceit, and an attempt to willfully mislead us into signing an offer that we did not ask for nor want. I have typed up a chronology of our communication with PNC, and enclosed scanned documents that support this : XX/XX/XXXX - We fill out a web form requesting Covid 19 forbearance. We also call to follow up and request to add missed payments to the end of the life of the loan. We are neither offered nor informed of Covid forbearance as an option in this phone call ; in fact, we have to educate the rep about it. We are told we have to wait and that they will send something. XX/XX/XXXX - MONTH 1 OF FORBEARANCE XX/XX/XXXX is our first missed payment. We call to follow up because we had not received anything confirming our enrollment on a Covid forbearance plan. Again, we are neither offered nor informed of Covid forbearance as an option. In place of Covid Forbearance, the service rep tries to get us to accept a loss mitigation plan. We decline. We insist on Covid 19 forbearance and again are told we have to wait and that they will send us something. We finally receive paperwork communicating that we have been accepted on Covid Forbearance plan. However, it does not put us on for all 180 days that we asked. It stops short of 3 months. **See Scanned Doc 1 [ PNC response to 180 day request only 3 months long ] ** XX/XX/XXXX - MONTH 2 OF FORBEARANCE We receive a letter on XX/XX/XXXX stating that we owe a lump sum of past due balance. We still have not received any documents proving our enrollment in Covid forbearance for the missing 3 months ( missing XXXX, XXXX, and XX/XX/XXXX months ). Instead in two separate weeks in XXXX we are mailed thick loss mitigation packets giving the appearance that it pertains to our Covid Forbearance request and that we have to fill out financial information in order to qualify for Covid Forbearance. It took filing a complaint with CFPB to get PNC to comply with our request for 180 days of Covid Forbearance. It was an unnecessary amount of time, stress, and work. In their response, they did not address our complaints of misleading us as consumers. They merely sent a form letter stating that they are automatically enrolling all consumer already on forbearance for an additional 3 months. They do not address our request for avoiding a lump sum payment at the end of forbearance in favor of extending the loan. **See Scanned Doc 2 page 1, 2. [ Our CFPB compalaint ] Doc 3 [ PNC Response to complaint ] Doc 4 [ one of two loss mitigation packets sent instead of 180 days of Covid Forbearance ] ** XX/XX/XXXX - MONTH 3 OF FORBEARANCE We receive yet another loss mitigation packet as well as bills that appear as though we owe a lump sum payment when our forbearance ends. There is still no acknowledgment of our request to add missed payments to the end of the life of our loan. XX/XX/XXXX - MONTH 4 OF FORBEARANCE We still have not received paperwork acknowledging our request to avoid lump sum payment at the end of forbearance period. On XX/XX/XXXX, we submit a written request via USPS and fax to 1 ) extend our Covid Forbearance payment deferral plan for another 180 days, and 2 ) remove lump sum charges due at the end of our forbearance period in favor of extending the length of our loan. On XX/XX/XXXX, we contact by phone PNC to correct our paperwork and extend our forbearance request another 180 days. In the PNCs RFI notes, it states that our ADVD FB plan extended 90 days even though we requested the 2nd 180 day extension. This would now extend our forbearance through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We receive a letter on XX/XX/XXXX saying that our request for forbearance has been approved. However, this document only refers to the first 180 days of forbearance, not the 2nd 180 days of forbearance requested. Also, please note that this form acknowledging our enrollment into CARES Act Covid Forbearance simply says that, This agreement was approved with your verbal consent and indicates your intent to accept this offer. Acting in accordance with the terms of this agreement will be considered confirmation of your acceptance. We receive a monthly statement detailing on the front page that we are Overdue {$5100.00} on the front page, but on the second page it states that This loan is currently on a Natural Disaster Plan. This statement also has an inaccuracy in it that we have to pay {$0.00} by XX/XX/XXXX even though it is XXXX of XXXX. **See Scanned Doc 5 [ Our request in writing for 180 day forbearance sent XX/XX/XXXX ] Doc 6 [ PNC acknowledges the initial 180 day forbearance period requested for the first time since first requested in XX/XX/XXXX ] Doc 7 [ Agreement works with our verbal acceptance and intent to accept offer ] Doc 8 [ PNC notes from our RFI stating that we called and requested forbearance and it was granted for another 90 days, even though we requested and were entitled to 180 days ] XX/XX/XXXX - MONTH 5 OF FORBEARANCE We do not receive corrected or updated paperwork, but our monthly statement still reflects that This loan is currently on a Natural Disaster Plan. We receive yet another loss mitigation packet. XX/XX/XXXX - MONTH 6 OF FORBEARANCE We receive our monthly statement which states that This loan is currently on a Natural Disaster Plan. We receive paperwork that states that our Forbearance plan is now from XX/XX/XXXX - XX/XX/XXXX, yet no correction regarding the lump sum payment due at the end of forbearance. XX/XX/XXXX - MONTH 7 OF FORBEARANCE We receive a document claiming that they have been unable to contact us during our Forbearance Plan and are offering a loan modification agreement which instructs us to sign and return it 14 days later ( XX/XX/XXXX ). This, however, is not the same as communicating that we have been accepted into Covid Forbearance, even though it has a similar wording. We do not sign it and return it as it departs from previous paperwork we received confirming our enrollment in Covid Forbearance. We are not interested in accepting an offer or making a deal that is anything other than Covid Forbearance as it would subject us to a potential loss in credit score and levied interest. We send them a letter XX/XX/XXXX via fax and USPS again correcting their mistake, and giving them copies of documents that show we are already enrolled in Covid Forbearance. **See Scanned Doc 9 [ A loss mitigation loan modification agreement is sent for us to be signed when we are supposed to be on Covid Forbearance ] Doc 10 [ Our letter to PNC requesting forbearance, no lump sum payments- again ] XX/XX/XXXX - MONTH 8 OF FORBEARANCE XX/XX/XXXX we receive a document that our hardship assistance request has been completed but they are unable to proceed further with our request for assistance because ACCORDING TO OUR RECORDS, THE EXECUTED MODIFICATION DOCUMENTS WERE NOT RECEIVED WITHIN THE REQUIRED TIME FRAME. We did not request hardship assistance or loan modification, but rather, Covid Forbearance. Yet again we are frustrated with what seems to be a pattern of willful neglect of our request for forbearance. It appears as a scare tactic to get us to agree to a plan that differs from Covid forbearance. XX/XX/XXXX, PNC responds to our XXXX letter which included PNC documents that we already received showing that we had been enrolled in Covid Forbearance through XX/XX/XXXX. However, in this letter PNC gives the appearance that we only requested Forbearance beginning XX/XX/XXXX. XXXX XXXX, XXXX Calls PNC to clear their errors. XXXX XXXX, XXXX calls PNC again, and gets through. Tries to clarify that we are on Forbearance and do not need loss mitigation. On our monthly statement dated XX/XX/XXXX, we see that fines and late fees totaling {$40.00} have been assessed. This is a violation of the CARES ACT. This monthly statement also fails to state that we are in the National Disaster Plan. We receive a document dated XX/XX/XXXX that says our forbearance plan has been approved. It only puts our plan for the months of XXXX, XXXX, XXXX, and not through the month of XXXX as we requested and were entitled to as completion of the second 180 day period. It also does not require us to sign and return anything and is not printed on paper that reads letter offer or loan modification We receive a document dated XX/XX/XXXX, stating that our application for hardship assistance has been withdrawn. Again, we never submitted an application for hardship assistance in the first place. XXXX*See Scanned Doc 11 [ PNC response to our letter acknowledging our enrollment in Covid forbearance through XX/XX/XXXX ] ** Doc 12 [ PNC stating that they didnt get executed modification documents in time. ] Doc 13 [ P.1 Our monthly statement with fees in violation of CARES ACT / P. 2 Does not but should state we are on Covid Forbearance ] XX/XX/XXXX - MONTH 9 OF FORBEARANCE We receive a document dated XX/XX/XXXX, stating that our forbearance plan has been approved for dates XX/XX/XXXX - XX/XX/XXXX and that {$0.00} is due on those dates. However, it still shows that we owe fees and charges assessed during the month of XXXX. Our monthly statement shows the notation that This loan is currently on a Natural Disaster Plan. ** See Scanned Doc 14 [ PNC acknowledges in writing the full 180 day extension we requested first in XX/XX/XXXX. Also reflects in writing that we were in fact on Covid Forbearance plan in XXXX and this means fees were assessed in violation of CARES ACT ] XX/XX/XXXX - MONTH 10 OF FORBEARANCE We receive our monthly statement which notates that This loan is currently on a Natural Disaster Plan, but still has XXXX fees on it. We call and submit in writing a request for extended forbearance. ** See Scanned Doc 15 [ PNC Monthly statement still shows XXXX fees ] ** XX/XX/XXXX - MONTH 11 OF FORBEARANCE We receive monthly statement which accurately states that we are on a National Disaster Plan, but inaccurately maintains fees assessed while under Covid Forbearance in XXXX. XX/XX/XXXX - MONTH 12 OF FORBEARANCE We receive a document dated XX/XX/XXXX that states we are on Forbearance from months XX/XX/XXXX - XX/XX/XXXX. It inaccurately reflects that we still have fees from XXXX as well as a lump sum payment due at the end of forbearance. XX/XX/XXXX, XXXX calls PNC to make sure we are on Forbearance as requested, drop fees, and to put missed payments at loan maturity instead of lump sum payment. **See Scanned Doc XXXX XX/XX/XXXX - MONTH 13 OF FORBEARANCE We submit a letter to PNC on XX/XX/XXXX as a Notice of Error ( NoE ) as well as a Request for Information ( RFI ) along with supporting documents. We inform them of their error in assessing us fees for the month of XXXX, citing the fact that we were under a CARES Act Covid Forbearance payment deferral plan. We also inform PNC that we expect our missed payments to be added to the end of the life of the loan and not due as a lump sum payment. ** See Scanned Doc 17 [ Our Notice of Error letter to PNC ] Doc 18 [ Our Request for Information to PNC ] XX/XX/XXXX - MONTH 14 OF FORBEARANCE We receive a document dated XX/XX/XXXX, that acknowledges receipt of our letter. Our monthly statement still shows fees that violate CARES Act laws. It notes we are on a National Disaster Plan. ** See Scanned Doc 19 [ PNC Acknowledges receipt of our RFI and NOE ] XX/XX/XXXX - MONTH 15 OF FORBEARANCE We receive a document dated XX/XX/XXXX, that disputes our claim to continuous enrollment in Covid Forbearance. PNC claims we were on a forbearance plan during the following periods : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX It also states that we are only eligible for forbearance for 18 months and Please note, PNC has not advised that any payments will be added to the end of the loan. We are officially at the end of our sanity trying to communicate with PNC. **See Scanned Doc 20 [ PNC disputes our well documented NOE and sticks to an erroneous claim of the dates of our Covid Forbearance, refusing to drop the fees assessed in XX/XX/XXXX, as well as refusing to drop lump sum payment due at end of Forbearance ] XX/XX/XXXX - MONTH 16 OF FORBEARANCE We contact PNC via phone, USPS certified letter, and fax to extend our Forbearance plan for the full 18 months of coverage, to ask them to correct their multiple errors regarding 1 ) fees assessed in XXXX in violation of the CARES ACT, 2 ) Dates of forbearance we have been under, and 3 ) Adding missed payments to maturity of loan and not due as a lump sum payment at the end of our forbearance. We spoke with service representative XXXX XXXX, who refused to grant us the last two remaining months of the 18 months of Covid Forbearance we are entitled to. She insisted that we must resume our regular mortgage payments on XX/XX/XXXX, which would only give us 17 months of forbearance. We try to explain the math of 18 months from XX/XX/XXXX, our first missed payment. She simply will not listen to basic reason or math. She states that it is due to investor guidelines and then tells us our house is in collections. She also states that even though we were on Forbearance in XXXX, she will not remove the fees because we were somehow simultaneously not on Forbearance in XXXX. We receive a document dated XX/XX/XXXX giving us an offer '' of 16 months of Covid Payment Deferral, but not 18 months. It offers to waive {$25.00} in late charges. It gives us 14 days to accept this offer. It does not, however, reflect the last 2 months of Covid Payment Deferral we requested, and again gives the appearance that we must accept an offer or make a deal instead of simply being automatically granted Covid Forbearance upon attesting to our financial hardship due to Covid. On the bottom of the document it has text that reads Doc Type : Loan Modification Agreement. By this point, the high variability and inconsistencies in PNC communication and documentation around our Covid Forbearance plan has led to confusion and amounts to a pattern of deceit. It would appear that in one month simply attesting to our financial hardship automatically enrolls us in a Covid Forbearance plan, only to find the next month that we have been given a signature-required offer that appears as loan modification documents with neither explanation nor clarity as to the disappearance of some or all of the terms we requested under the CARES Act, such as dropping lump sum payments, fees, and the full 18 months of requested forbearance. We shouldnt have to fight for our right to a simple Covid forbearance plan for 18 months, and we have no interest in signing away our right to any part of what we have requested in exchange for other parts. We are also wary of signing documents that read loan modification as that may negatively and unnecessarily affect our credit rating. Per the Fannie Mae website, text regarding loan modification helps clarify that loan modification seem to exist separately from Covid Forbearance payment deferral. If the eligibility requirements for COVID-19 payment deferral dont match your situation, you have other mortgage repayment options : Loan Modification If your ability to pay your monthly mortgage payment has been permanently impacted by a financial hardship related to COVID-19, your mortgage servicer can work with you to modify your mortgage loan. A loan modification permanently changes the original terms of your mortgage. A loan modificationmaylower your monthly principal and interest payments and/or your interest rate, and typically involves extending the maturity date of your loan. Although a loan modification may lower your monthly payment, it may result in paying more interest over the life of the loan due to the extended repayment term. Adjustments to the escrow portion of your monthly payment for taxes and insurance can affect the total monthly payment. ** See Scanned Doc 21 [ PNC sends LOAN MODIFICATION AGREEMENT with terms similar to Covid Forbearance. Yet, requires that we sign and send it back. Only offers 16 of 18 months of Covid Forbearance we requested. First time PNC acknowledges our fees and lump sum payment. However, we have already been on Covid Forbearance and do not understand why the document reads LOAN MODIFICATION AGREEMENT and will not offer last two months of forbearance. We do not sign and send back ] Doc 22 [ Offer letter agreement sent by PNC instead of Covid Forbearance ] Doc 23 [ PNC demanding lump sum payment, denying our Covid Forbearance enrollment, maintaining fees assessed in XXXX XXXX, threatening to initiate foreclosure ] XX/XX/XXXX - MONTH 17 OF FORBEARANCE We receive 4 identical copies of documents dated XX/XX/XXXX, that state the following : The letter serves as a formal notice that you have defaulted on your loan obligations. It also states that we may cure your default by paying {$16000.00} on or before XX/XX/XXXX, and that only the full amount will be accepted. The fees are still being assessed. It also states we may be referred for foreclosure We also received a document dated XX/XX/XXXX, offering a trial period for a 480 month loan instead of our Covid Forbearance XX/XX/XXXX - MONTH 18 OF FORBEARANCE This should be our last month of 18 months of Covid Forbearance. Also for reference, a copy of text from the XXXX website : CARES Act 4022 ( b ) requires servicers of federally backed mortgage loans to grant forbearance requests from borrowers experiencing a financial hardship due, directly or indirectly, to the COVID-19 emergency. The language of the act is mandatory. The servicer may not require anything other than the borrowers attestation to a financial hardship caused by the COVID-19 emergency. See CARES Act 4022 ( c ) ( 1 ). | ||||||
| 01/29/2020 | Yes |
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Web | Older American |
| In XXXX, I bought a home in XX/XX/XXXX from XXXX XXXX, unknown to me it was an unclean note to the house and shortly after who we purchased the home from went to prison for Mortgage Fraud with a 21 year prison sentence. His name was XXXX XXXX and he was involved in multiple mortgage embezzlement schemes for which he took the fall for many accomplices with more guilt than himself. Our home was then transferred to XXXX who then transferred the note to XXXX XXXX and XXXX XXXX in Michigan with a note on the allonge for the transfer not to go over towards National City Bank of Ohio who wanted the transfer in XXXX. Somehow, it is alleged that National City Bank still got the transfer despite our notes to the contrary and eventually the allegedly merged into PNC Bank, N.A. The problem is the wet note nor title to our home never transferred to the National City so how could it get to PNC? They claimed in their Verified Complaint for Foreclosure that M.E.R.S. ( Mortgage Electronic Registration System ) had transferred them the title which is unlawful as they are only to record titles not transfer them as their lawyer XXXX XXXX of XXXX XXXX, CA had stated. They out of nowhere were trying to take advantage of Hawai'i 's very corrupt Bureau of Conveyance filing system where anyone can make a deed for any piece of land and cloud the title as these guys did. Unfortunately for them we have proof of the allonge going to XXXX in XXXX an affiliate of XXXX who was tied to the crook XXXX XXXX and XXXX XXXX also recorded in the Bureau of Conveyances in XXXX, HI which has Land Court recording and Regular System recording of land deeds. So, even though PNC made a frivolous filing as many do in this system that goes unchecked, XXXX still thwarted them. In the year XXXX, they showed a not of transfering and signing off all ownership to our home in XXXX, HI which they never have proved they had a right to, to begin with. When National City began billing us at one point even though we saw no clear change over to them, in time, it was confusing all the change of hands taking place on a title that was not solid due to all the illegalities. They had raised our mortgage costs to double and then PNC their affiliate was offering the loan mortage modification scam they are famous for getting sued over. In fact, I was foolish enough to pay them once {$3000.00} a month they were asking to see if I qualified for the loan modification and I wound up winning the class action lawsuit settled against them for committing a fraud in XXXX. I had told them to cease and desist and did not recognize them as the loan service because there is no allonge from XXXX to them ever made. Despite the XXXX letter stating that PNC turned the loan over to XXXX XXXX in XXXX, and being told to cease and desist harassing the home owner since they were not the company, XXXX was the proper company to pay at the time. They most certainly were crooks and continued to be crooks. XXXX XXXX of their XXXX XXXX branch issued a foreclosure that I was finally served with by summer of XXXX. As the matter dragged on for a pending court conference I was being deprived of all due process rights despite being timely in responding to my service by publication. Finally, a prehearing conference was set for XXXX of XXXX and I had my son go and get a lawyer for me who was advised to us by some folks in the golfing and solar panel industry as well as realty fields that we will not name here. This alleged lawyer worked for XXXX XXXX XXXX, XXXX and had been an accountant before, and was actually a paralegal pretending to be a lawyer. His name was XXXX XXXX. he claimed to be having negotiations on pay-offs to the crooks PNC with their lawyer XXXX XXXX of XXXX and XXXX XXXX and that he would show up to the pre-trial conference on behalf of me and my family. Instead on the day of pre-conference he says he can not show up, but he would slip a Continuance Motion in. He did neither such thing. I still called in and could not reach the Judge on time and the Judge put in a Summary Judgment against me, which was not right due to the fact our lawyer lied and we found out was actually a paralegal and kept trying to get us to short sale before the incident and even after when the Court was set on Foreclosing on us. We put in the Motions for Reconsideration with help from my son, that only got us to XXXX where Judge XXXX the biggest crook there is, went and shut us down and refused to see evidence of XXXX 's wrongdoing in the case and how Mr. XXXX intentionally sabotaged us and our case for our house against these crooks, PNC Bank. When PNC Bank, came forward they said that they acquired our Mortgage Note from MERS who transferred the title to them. Such an argument and claim is false because MERS is only to record titles not transfer them to PNC. They had MERS record it after they illegally jumped it into the Bureau of Conveyances, knowingly clouding the home mortgage title and trying to rip off the homeowner, myself. When XXXX started putting the home into auction level at XXXX of XXXX he assigned a commissioner from the same law firm, XXXX XXXX XXXX where we hired the saboteur for the case and paralegal, XXXX XXXX. This was a Conflict of Interest that Judge XXXX failed to place on the record despite removing Mrs. XXXX XXXX of XXXX XXXX XXXX as commissioner. When he put a new commissioner it was still a Conflict of Interest and wound up being my children 's and ex 's cousin XXXX XXXX XXXX who we proved was still tied to XXXX XXXX XXXX, XXXX and also XXXX XXXX that worked as his law partner and was a fellow member of the same religious church community that had done off the record work for Mr. XXXX 's former co-worker and church member, XXXX XXXX, who had been kicked off another small vacant property our family owned in XXXX side by the same Judge about 20 years ago. She still came forward and tried doing things on that land such as taking advantage of war veterans illegally as she is not a licensed social worker and housing them outside on other people 's property in the rain to profit from her 501 ( c ) 3. Not to lose focus all these people were in cahoots and the Judge again refused to see a conflict of interest in my children 's familial cousin XXXX being the commissioner as well as his ties to another case I was in, and as well as the party conflict since he was tied to XXXX XXXX XXXX who I hired once again the fake lawyer from their firm who set up our case going into the default and kept trying to convince us into short selling with his friends before and after the sabotage that XXXX XXXX refused to fix. Now, we tried appealing in the Intermediate Court of Appeals, but fumbled the ball of the deadline and bought about 6 months more time. The auction details kept stretching out and eventually we filed a federal complaint for all these fraud events happening in the United States District Court of Hawai'i in the spring of XXXX. In the process we discovered that XXXX had been using unusual circumstances and rulings to put the homes he desired from XXXX area auctions in the pockets of his buddies by the pre-auction games many have done around here for awhile. Ex-CIA agent XXXX XXXX XXXX did this write up on XXXX XXXX all should see and it involves almost all the XXXX churches here on XXXX. He is in the XXXX XXXX XXXX XXXX XXXX as were other clerks in his court whiting out documents, deleting or making documents disappear, backdating files, and we even have proof of forgery. Now we get to the good part of this story because these crooks working with PNC locally for their own benefits can not control themselves. Check this out. XXXX XXXX XXXX I have witness my Motions denied with no judge present several times. At the last hearing in XXXX of XXXX Judge XXXX allowed a lot of unknown lawyers to guest appear in the case such as XXXX XXXX I had retained before ( another Conflict of Interest ), and XXXX XXXX XXXX who either himself forged the auction Order proposal of the Commissioner, XXXX XXXX XXXX ( cousin of my children and ex ) or had someone else forge the documents with the clerks in the Court that attend the same church as Judge XXXX. We have witnessed and people documenting and photographing everything that goes on giving affidavit and witness testimony as this case is in three ( 3 ) courts at once in Hawai'i. It is still in the XXXX Circuit, XXXX where it started as well as the Intermediate Court of Appeals in XXXX, and United States District Court Case of Hawai'i. There is proof that the Supreme Court Justice Judge, XXXX XXXX is tied to XXXX 's house home benefits and assets when home owners get their houses stolen with the help of the court officials and lawyers getting kickbacks from the bank. Mr. XXXX never sent any reply to our Proposed Order on the Auction because he died upon XX/XX/XXXX. This is when XXXX XXXX finished up the paperwork in XXXX with XXXX 's forged signature and they backdated the document to XX/XX/XXXX ( 6 days before his death ) and slipped it in the physical volume II of our case XXXX ( XXXX ) despite all case work being filed electronically in XXXX of XXXX thereafter. My son, on XX/XX/XXXX first witnessed the secretly backdated and forged document and brought attention to fraud in the court house and took documented pictures. The clerk there to cover their tracks loaded the backdated-document in electronically, but did a maliciously wrongful thing, by allowing the date to be as XX/XX/XXXX when it was uploaded in XXXX. More acts of fraud were committed when PNC Bank 's firm XXXX XXXX XXXX handling the case for them in XXXX had their lawyer XXXX XXXX produce a never before seen, cut and pasted document of a never existing allonge from XXXX directly to PNC. We called it out as fraud right away and the judges would not allow the dismissal to go forward on their behalf as they saw it as a ploy. Further, before any foreclosure or auction order was given by dirty handed XXXX, his associates in the XXXX XXXX, XXXX XXXX also tied to his cousin and my children 's cousin was marketing our home that it is not even easily flippable at it's $ XXXX dollar low value at {$690.00}, XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It would take them a XXXX dollars to make it worth that much. Land itself is destroyed and poisoned, There are rat problems caused by old pineapple fields, leaks in the roofing everywhere, busted pipes, one working toilet with a very badly messed up septic tank system, electrical problems and fire hazards, that we maintain to survive. It is not quite condemnable, but nobody has a right to try and sell your home before you get an order against it from the court which XXXX was glad to help PNC with for his own unjust enrichments with his company of lawyer friends and family, Right after they started trying to rush the auction the lower court and still are trying to do so despite all this fraud. XXXX himself even showed up and tried to intimidate my son in public possibly or check out my son who was documenting these things for me. There have been people that work for and around XXXX begging to come work at home for us and look into our personal files? Get out of here! And then they sent Department of Health and XXXX XXXX to try and get a report for condemning our house to the State so that they could kick us out before due process is finished with PNC in the United States District Case- complaint for all these acts of Civil R.I.C.O. , fraud, aiding, albeiting, collusion, and much more. The lawyers at XXXX XXXX XXXX that represent PNC Bank, even had our Proof of Service by Process Server sabotaged for a time when they had their server XXXX XXXX tell us that it was not a conflict of interest for her to serve them as we paid her to do and then play games with us for weeks and acting like she did not see our letters or filings. We have names of almost every clerk in XXXX 's clerk in on the fraud and collusion. XXXX XXXX is probably being framed since her stamp with a back rolled stamp to XXXX was done in XXXX. I do not believe she would have risked her name. I believe it is another clerk. Any in Court room 3 at XXXX XXXX XXXX which is former Judge XXXX 's chambers, but he still comes in and out of retirement to try and steal homes from elderly, children, and grandchildren here at my house for Unjust Enrichment as he did to the XXXX family. There are ties to a XXXX XXXX, and notice of many secret and stolen land ownership deeds with Judge XXXX 's signature stolen from local Hawaiians here and his newly groomed Judge XXXX XXXX according to investigators in the XXXX case I provided the link for. We should not have our home taken from us nor should we file a bankruptcy with a crooked bank that never had the wet note or any formal switch given to them by a valid allonge or anything of the sort. These matters and much of the evidence is in court along with affidavits and soon to be called witness testimonies. One of the last events because I can not fit them all here involves 6 sets of affidavits being stolen out of the U.S.D.C. court where we are currently at. That was important evidence and we feel the judge should most certainly given the TRO against the banks and all the crooks involved we know, but PNC 's accomplice, XXXX is tied with the XXXX XXXX XXXX XXXX has power with the Supreme COurt Justice of XXXX XXXX that gave him XXXX 's best Judge award ( total XXXX ), and some of the federal court Judges have also been appointed by Obama who still has ties and political connections here. Obama and my down the road neighbor XXXX may wish to stay clear of these crooks. While Hawai'i has a homelessness issue, these people perpetuate it and hope to gain and flip houses off the backs of struggling and suffering Locals. We do not want a house for free. We want a proper bank that is on the note and the proper mortgage, but we have been frauded from the beginning with Mr. XXXX XXXX who gave it to more crooks that wound up with PNC that works with Public Officials that do their own sabotaging of cases to gain on the auctions. There's so much more I could say here and we have documented these awful crooks for years and been patient while XXXX threw everything out of court we requested. He even refused to recuse himself despite the fact that my last name is connected to his family even though this is my step husband 's surname and my children are directly related to his family of XXXX, XXXX, and XXXX. He perjured himself in court on video when he acted like he was not related to these names or overtalked me to avoid hearing the relation. I mentioned that on cdr video as well as my children 's relation to deceased XXXX which tied the judge and commissioner together as a huge conflict of interest besides their inner church ties. We have also asked that our case be dismissed, but the banks do not want this even though the entire thing has been a fraud and a sham. If they do manage to auction us out we will still sue the living XXXX out of them and XXXX as they had no right to foreclose at all to begin with. Now, that we are in federal court and we see hands exchanging and clerks in the XXXX XXXX slipping in illegal and forged documents into files with backdates which is illegal too, we know what we are up against. They do all they can to thwart us, but our handwriting expert is a former FBI agent in the mainland of California. We suggest they get ready for exposure as we have been detailing the news connections and everyone else about this. Also, there are Hawaiians that have a valid claim to the old patents on this home and land which validates their true ownership and they never signed a thing with the banks or construction company that illegally built here since the XXXX. PNC did all these crimes of fraud and Civil R.I.C.O. combined with filings of false deeds and dirty clouding of title, use of public officials in collusion, forgery, and more. It is time the lawyers for PNC Bank, including XXXX XXXX XXXX XXXX XXXX, XXXX, and all their connections for XXXX XXXX XXXX, specifically XXXX XXXX XXXX, that put together a fake allonge get fried and we see justice at last. We look forward to the trial date even if me, my children, and grandchildren are homeless by then. We will sue the XXXX out of them! Also, XXXX XXXX jumped in out of nowhere to represent deceased commissioner XXXX XXXX XXXX the commissioner who himself was a lawyer and never needed XXXX before, more reason that we know forgery was committed or hired by Mr. XXXX a former XXXX XXXX XXXX, XXXX lawyer now working for XXXX XXXX XXXX of XXXX. He never entered or put notice of entrance of counsel nor was their any notice of counsel leaving the case before he jumped in. Highly suspicious and all are said to represent PNC, Bank N.A. I am very old and all of this can affect my health as it has. Intermediate Court of Appeals case brought forward for the new Auction Orders was done on XX/XX/XXXX as XXXX and can be viewed on JEFS if you are registered for {$250.00} every 6 months. The United States District of Hawai'i case also pending is XXXX XXXX and charges on Pacer.gov by the document you look at once you set up an account. In the XXXX Circuit Court of XXXX you can also go there physically to look at it or pull it up free of charge or on JEFS system uned CV ) Foreclosure ) XXXX ( XXXX ) or online version of the case is written as XXXX, which costs money. The Judge and company also backdated the XX/XX/XXXX Order because my son checked thoroughly all documents on XX/XX/XXXX upon filing paperwork for me and it was non-existent in the XXXX Circuit. We are writing books on these matters. Corruption is corruption and nobody should benefit or steal your family 's home using a bank such as PNC that had no claim from the get go. XXXX allowed it for his own advantage as did his affiliates working to sabotage our case all around. We just had to resend documents because important ones went missing or stolen from U.S.D.C. - T.R.O. is what is needed and a Stay of Foreclosure until the Fraud investigation is done. Let 's fry these crooks and keep fighting the good fight!! | ||||||
| 07/30/2018 | Yes |
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| My husband ( present ex-husband ) in XX/XX/XXXX purchased a home in XXXX, PA using PNC Mortgage. In XX/XX/XXXX we legally separated. I kept exclusive possession of the house by mutual and court agreement. In XXXX we placed the house up for sale. In XX/XX/XXXX by order of the Divorce Decree from XXXX Family Court, we were to place the house up for sale and recognized ( even the court recognized it would need to sell via Short Sale which was written in the Divorce Degree ) due to the house still being underwater from the real estate crash years prior. We could not make it out of the house without owing money. I attempted two different Realtors, who both yielded the same results. After the crash, we did not have any equity in the home. I applied for a Short Sale three times, two of which we secured a buyer, with money in escrow and approved for the mortgage to buy the home. The short sale would have only yielded {$6000.00} less than what was owed on the house and for PNC/us to clear the mortgage. Sadly, both of these short sales were denied and our buyer was refused. PNC Mortgage never provided a reason why. I proceeded with obtaining an attorney XXXX XXXX, but he was not able to break through the walls of PNC or speak with their legal counsel. I wanted to do whatever I could to protect this house from foreclosure. I reached out to HUD and HOPE. A HUD representative, XXXX XXXX, was able to contact someone at PNC who stated they would be open now to another Short Sale application if we had a buyer again and/or a HAMP agreement. Unfortunately, the house was not up for sale at this time, and the other buyers had walked away. I decided to go forward with the HAMP application. At this point, this entire ordeal above had now spanned 1 1/2 years. I could never speak with the Mortgage contact person XXXX, only customer service reps in the evening. All told me the same thing - my ex-husband would have to send in financial information related to his employment etc, but he had already remarried, had not occupied this home for over5 years at that point, had no financial responsibility per the court to make mortgage payments and signed exclusivity to me. I was further informed by representative, if I supplied the divorce decree, the order from the XXXX Family Court Divorce Agreement he would be taken off the mortgage loan once it was refinanced as part of a divorce agreement. Keep i mind, I had even asked if I would need a Quit Claim and was told by three representatives over the 1 1/2 years, that no this was sufficient and my hardship letter should speak to the goal of having only one name and his removed - also part of the divorce agreement. XXXX XXXX called me inXX/XX/XXXX to inform me to resubmit the Short Sale and HAMP application ( the 4th one at this point ) and yes my ex-husband 's name would be removed as part of the agreement. But, now they wanted a Quit Claim. My ex-husband finally agreed to sign it and it was submitted with my 4th application. I was hopeful, as PNC only now requested my financials, not my ex-husbands as previously. The HAMP Refinancing agreement that was notarized had only my name listed as the sole responsible person for the new loan. I have proudly made all payments on times since XX/XX/XXXX, yet PNC Mortgage refuses to still remove my ex-husband 's name from the loan! He never supplied any financials for this loan and did not sign responsibility. We were assured over and over again by representatives when I or my attorney called " It will take 3 months for the trial period and then his name will come off '', Then I was told, " It will take 6 months until the paperwork is all executed and his name will come off ''. When this did not happen, I called and was told " his name will never come off ''. After all the phone correspondence, the advocation from HUD, and not even basing the HAMP on his financials or his signature to assume responsibility for a loan he never applied for? Further more are the Federal regulations under the HAMP program that PNC has and remains to blatantly break and disregard. To make matters worse, they have informed my attorney I will need to pay at least {$2000.00} for settlement fees and transfer tax. I already paid the {$1.00} transfer tax for husband to wife and what settlement fees - the settlement fees on the present HAMP loan that I am paying now were calculated into my agreement that I signed in XX/XX/XXXX! Per the National Consumer Law Center ; Making Housing Affordable Program ( HAMP ) the following referenced points are significantly concerning given the actions of PNC Bank since three attempts to my home via Short Sale to prevent foreclosue, but furthermore the subsequent four attempts to secure HAMP financing solely in my name. Gravely concerning to me is that PNC is requesting additional settlement and closing costs on a refinanced mortgage that I signed in XX/XX/XXXX again. PNC is requesting approximately {$2000.00} from me again just to have my ex-husband removed from a refinanced mortgage note that he never signed or had him listed as a borrower on the final mortgage application. See Attachment The correspondence and actions by PNC seems to be discriminate practices, did not follow federal regulations by evidenced by the references below during four applications to refinance XXXX XXXX, XXXX PA XXXX in my name per the Family Court Divorce Agreement. See Attachment Throughout four applications, PNC continually refused to acknowledge my ex husband had no interest in the property, no financial obligation and has not occupied the house in over 6 years yet will not remove his name appears to contradict the regulations set forth by the referenced guidelines below by the XXXX. Since XXXX, I have been informed by PNC Mortgage that my ex husband would have to provide financial information, sign refinancing for HAMP and Short Sale applications. Three applications for HAMP and Short Sale applications had my ex-husbands name ( XXXX XXXX, XXXX ) and required his financial information were all supplied to PNC after a divorce decree, and XXXX Family Court order was provided. I voiced my confusion at the time between XX/XX/XXXX through the present. My attorney, XXXX XXXX and I can not seem to get a straight answer why even with a Quit Claim in ( XX/XX/XXXX ), a Divorce Decree ( XX/XX/XXXX ) and XXXX Family Court Order ( XX/XX/XXXX ) that PNC still is insisting on my ex-husbands financial information to be provided. Bear in mind, my ex-husband has not occupied or had any financial responsibility or interest in XXXX XXXX XXXX. I filed a claim with the Consumer Financial Protection Bureau in XX/XX/XXXX regarding PNCs refusal to allow a Short Sale proceed as well when we had a approved buyer, escrow for this house that was underwater in equity. Our house was purchased in XXXX and lost equity by XXXX. See Attachment Case number XXXX. I also placed a complaint via HUD and HOPE. I spoke with an advocate named XXXX XXXX after three failed applications. At that time, I was willing to refinance via HAMP, but per the order my ex-husbands name would need to be removed. I was the sent an acceptance letter stating I was approved, without my ex-husbands financial fo or signature on my financial information only. I was informed by XXXX XXXX ( HUD ) after she spoke to her contact from PNC on XX/XX/XXXX that my when this fourth and most recent hardship application would be accepted by PNC for a short sale or a HAMP and my ex-husbands name would be removed from the mortgage with the Quit Claim being in effect, the Divorce Decree and Family Court Order. She seemed to be the only person to break through the walls of PNC and they returned with an offer for the fourth application. I was told it could go to Short Sale or apply for a HAMP and his name would be removed. Never during the first three applications, was I ever counseled that a Quit Claim would be needed to go forward with the HAMP. He never signed the mortgage contract, and finally this application only required my financial information only. The final papers to be signed listed only my name, and only required my signature. Yet, the first bill came and XXXX XXXX, XXXX name was still on the bill. I called and now are refusing to remove his name despite my phone correspondence during I spoke to XXXX PNC representative on XX/XX/XXXX. I was informed that his name will be removed in 6 months after the paperwork was processed. After I have solely signed and accepted the HAMP refining agreement, received notice from the City of XXXX that the house was transferred in my name for {$1.00} from husband to wife, and I have made all payments since this time on my own accord. Yet, my ex-husbands name still remains on a mortgage and on terms he never signed. Now, PNC has informed me that I will need to pay an additional approximately {$2000.00} closing costs again. ******************************* Per the regulations below, PNC should have never have treated my application with such prejudice or ask a divorced borrower for the financial information from a non-borrower under the HAMP regulations. Even when my ex-husbands financial information should never had been entered in the earlier applications, nor should his name be held from removal of the mortgage note in the past year to present. Again, this is evidenced by the references below. ( XXXX XXXX XXXX ; Chapter IV : HAFA MHA Handbook v3.3 128 ) 10 HAFA Documents : Servicers are required to use the HAFA documents provided on XXXX or forms that are substantially similar in content to the forms provided, except that the servicer may amend the terms of the SSA or DIL Agreement in accordance with investor requirements, applicable laws or local real estate practice and may customize the forms with servicer specific logos. Unless a borrower or co-borrower is deceased or a borrower and a co-borrower are divorced, all parties who signed the original loan documents or their duly authorized representatives must execute the HAFA documents. If a borrower and a co-borrower are divorced and the property has been transferred to one spouse in the divorce decree, the spouse who no longer has an interest in the property is not required to execute the HAFA documents. '' 2. Despite the Quit Claim, Order of the XXXX Family Court Divorce and Divorce Decree, PNC refused to acknowledge my ex-husband had relinquished rights to the residence. This is concerning given the following reference from Supplemental DocumentationFrequently Asked Questions Home Affordable Modification Program. XXXX XXXX //XXXX XXXX XXXX XXXX. If borrowers who are unrelated by marriage, civil union or similar domestic partnership under applicable law purchased their home together and one borrower has vacated the property, is the occupying co-borrower eligible to apply for HAMP? Yes, the occupying co-borrower may pursue HAMP if a quitclaim deed evidencing that the non- occupying co-borrower has relinquished all rights to the property has been recorded. Servicers must refer to investor guidance to determine which parties are required to sign the HAMP documents. 3. Despite credit reports and documentation proving that my ex-husband was not residing in the home, PNC repeatedly wanted his financial information which seems to counter the following reference : Supplemental DocumentationFrequently Asked Questions Home Affordable Modification Program. XXXX XXXX XXXX XXXX. Can a servicer consider a mortgage loan for HAMP that, while originally secured by non-owner occupied property, has become the borrowers principal residence? Yes as long as such occupancy can be verified in accordance with Supplemental Directive 09-07 and Supplemental Directive 10-01. HAMP Eligibility under Supplemental Directive 09-07 states that a mortgage loan may be eligible for HAMP if it currently is secured by a one-to-four property, one unit of which is the borrowers principal residence. Supplemental Directive 10-01 states that Servicers should use the credit report to confirm that the property securing the mortgage loan is the borrowers principal residence. The following documentation was supplied during four applications to PNC Mortgage : 1 ) XXXX Family Court Order that the mortgage should be refinanced solely in my name, or be sold as a Short Sale. 2 ) the official divorce decree and the award of the primary residence to me and the children from time of separation in XXXX 3 ) Proof that only I and my XXXX children resided in the house. 4 ) Proof that my ex -husband has not resided in the residence since XXXX and remarried at the time of application for refinancing in the residence or had any interest in the property, nor provided any financial assistance for the mortgage. Why was there direct refusal and orders for my ex-husband to supply his wage earn gins, assets and debts for analysis of a refinancing if the following reference states : Q1706. Can income of a household member not on the original note be used in the income calculations to qualify for the modification? If so, would it require that the person be added to the Note for the modification? A borrower has the option of disclosing a household members income ( where the household member is not included on the Note ). Servicers should include non-borrower household income in monthly gross income if it is voluntarily provided by the borrower and if there is documentary evidence that the income has been, and reasonably can continue to be, relied upon to support the mortgage payment. All non-borrower household income included in monthly gross income must be documented and verified by the servicer using the same standards for verifying a borrowers income. The borrower may elect to add a new borrower to the note, but it is not a requirement in order to include the household members income in the Home Affordable Modification evaluation. Q1707. If income from other non-borrower household members is considered under HAMP, should a servicer also consider expenses for the other household members? A servicer should not consider expenses of non-borrower household members but may consider the percentage of his or her income that the non-borrower routinely contributes to the household. Q1710. Can non-borrower, non-household income be used to qualify for HAMP? No. Non-borrower, non-household income can not be used to qualify for HAMP. A non-borrower must occupy the property in order for the non-borrowers income to be used to qualify for HAMP. Specifically summary of reference titled What to do for Widows, Orphans and Divorcees ; XXXX XXXX XXXX XXXX addresses gravely concerning behavior and business practices : 1 ) Remind the servicer that the signatures of dead or divorced borrowers are not required on any of the modification documents. HB Ch. II, Section 5.7 ( p. 35 ) 2 ) Provide the servicer with information documenting your clients right to assume the mortgage. Give the servicer a copy of Garn-St Garmain Act, 12 U.S.C. 1701j-3 ( d ), which requires lenders to allow surviving spouses,, children, and divorcees to assume outstanding mortgages. The only limitation on assumability established by the regulations is the maintenance of mortgage insurance, if otherwise required, so underwriting should not be required. 12 C.F.R. 591.5. Give the servicer a copy of the divorce decree or death certificate. Give the servicer a copy of any further documentation showing transfer into your clients name ( see # 3 & 4, below ). 3 ) Clear title into the remaining homeowners name in the divorce proceedings, if your client is getting divorced. Ask for a judicial quit claim deed, if the departing borrower has not executed a quit claim deed to the remaining spouse. Consider asking for an order that the remaining spouse assumes the mortgage or that the mortgage is assigned to the remaining spouse. 4 ) Clear title into the surviving homeowners name after a death. For heirs, if appropriate, prepare and file an affidavit of heirship, demonstrating that title passed to the surviving homeowner. Consider opening probate and having the surviving homeowner named as the administrator of the estate. Consider obtaining a court order naming the surviving heir as the personal representative of the estate for purposes of the mortgage. 5 ) If the servicer wont review, escalate! Ask for the servicers in-house escalation team. E-mail XXXX. Ask for XXXX XXXX if escalation isnt satisfactory. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, MA XXXX XXXX '' Compliance ( during time of application ) : Treasury has selected XXXX XXXX to serve as its compliance agent for the HAMP. In its role as compliance agent, XXXX XXXX will utilize XXXX XXXX employees and contractors to conduct independent compliance assessments of the HPDP in conjunction with the HAMP as outlined in Supplemental Directive 09-01. | ||||||
| 09/12/2019 | Yes |
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| XX/XX/2019 Parties involved : PNC Bank Bank address : XXXX XXXX, XXXX XXXX FL XXXX Account Holder Name : XXXX XXXX PNC Bank : Account number XXXX Routing XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL Rental Property XXXX XXXX XXXX, XXXX, CA Website : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 I saw a rental listing that was identical to the scam rental I was a victim to on XX/XX/2019. I contacted XXXX XXXX XXXX regarding the rental. XXXX emailed me an identical lease as to the one that was sent on XX/XX/2019 for the rental scam. XX/XX/2019 XXXX requested a {$1700.00} deposit via bank wire to Name : XXXX XXXX Account number XXXX Routing XXXX Pnc bank Bank address : XXXX XXXX, XXXX XXXX FL XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL Name : XXXX XXXX Account number XXXX Routing XXXX Pnc bank. I called PNC Bank to notify them of the fraud. I talked to XXXX in the fraud that said he will message the wire fraud department. I offered the police report and informed them that a team of individuals are committing fraud. These individuals are using US banks having Americans wire money to XXXX as rental scams. I want PNC Bank to investigate these accounts to help stop the fraud. XX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX XXXX CODE : XXXX XXXX XXXX Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX phone # 1 ( XXXX ) XXXX XXXX Banks Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX XXXX Wire Department 1 ( XXXX ) XXXX XXXX Fraud Department 1 ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX +1 ( XXXX ) XXXX as XXXX number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. XX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX. I wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. On XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. On XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. XXXX XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. On XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or XXXX. XX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in XXXX. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX XXXX, names and profiles of all parties involved. I have the XXXX Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department 1 ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from XXXX. XX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within XXXX to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I called XXXX wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. I had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX XXXX XXXX weekend all offices were closed. XX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. XX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. XX/XX/2019 I called XXXX XXXX Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to XXXX wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. XX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX XXXX department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only XXXX recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. XX/XX/2019 at XXXX XXXX from XXXX XXXX department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. XX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. Ses said that the Hold Harmless letter was denied. ( Which I did not ask about ). Ses said that the email was sent from XXXX to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, Ses began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. My complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. My complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every XXXX we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | ||||||
| 12/04/2022 | Yes |
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| XX/XX/XXXX To Whom it May Concern. I, XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life, In accordance with the act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Listed accounts XXXX XXXX XXXX. Account # - XXXX Date Opened - XX/XX/XXXX. XXXX XXXX. Account # XXXX Opened XXXX XXXX - Charge Off Closed ( items labeled incorrectly derogatory, Should be marked Paid off ) A more detailed list is provided.. in the attached files. XXXX XXXX Account # XXXX Opened On - XX/XX/XXXX - Charge Off XXXX XXXX- Account # ( XXXX ) Date Opened- XX/XX/XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX - Charge Off It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts AS Follows.. ( of which are all Listed in the attachments ) personal information is incorrect DELETE INVALID INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX ( Listed in attachments ) ALL inquiries as not authorized ( detailed list included jn the attachments ) Please remove it from my credit report. Block and remove it all.. UPDATE TO PAID AND BLOCK The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK/ XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : COMPANY : XXXX XXXX XXXX XXXX. And all other listed accounts.. I also demand Removal of Extended Fraud Alerts from credit profile XXXX, XXXX, XXXX XXXX, XXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. XXXX, XXXX, XXXX is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. XXXX, XXXX, XXXX is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ). This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for XXXX XXXX XXXX to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! XXXX XXXX willful noncompliance has resulted in identity theft which I demand to Cease and Desist! I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. I have been disputing inaccurate payment history with the bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for over 3 years Along with a few other others. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The CRAs were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the CRAS exceed the history by reporting four years history or more. Previous reports show payment was received, I have provided dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The CRAs deliberately are making every attempt to Assassinate my character by portraying me as a financially irresponsible consumer. They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BA Or XXXX XXXX XXXXaccounts and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The CRAS denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the CRAS with adverse reporting late payments were reported 30 days now reporting 60 days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The CRAs are running a numbers business and not a legitimate business. The CRAs have violated my rights and need to be held accountable for their actions. I sent a letter off to the CRAs on several occasions to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this and all previous letter were copies of my state ID, SS card, and a utility bill to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. These are clear violations of my federally protected consumer rights. Also, the CRAS took more than 30 days to complete my investigation i am in possession of all of my letters, complaints and certified mail tracking number # s etc. disputing the information above again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BA Or XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act the CRAs have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction. 15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. This is not a new complaint. I have been complaining since i can remember on all of the accounts listed. They ( The accounts in? ) have Been reporting to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. They have all been UUPDATING my XXXX XXXX report with inconsistency dates as if I made a purchased, reporting late payments, closed accounts and reporting " adverse action '', since as early as XXXX for some.. It was noted to be remove off the Consumer Report but never happened... Why IS CFPB ALLOWING THIS. Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer CFPB PLEASE!! See to it that ALL CRAS ARE TO REMOVE!! ANY AND ALL FRAUD ALERTS, MESSAGES, ALERTS, INDICATORS AND EXTENDED FRAUD ALERTS. Where is the SSA-89 form stating I gave you permission to share my information ; if I remember correctly, it states its a one time transaction and expires after 90 days.!? Other accounts to be removed listed on accounts | ||||||
| 07/27/2023 | Yes |
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| XXXX Proof Regarding Identity Theft Claim, No. XXXX please feed back my email XXXX to come and collect my check and all the identity theft expenses back legally through my lawyer XXXX XXXX & XXXX XXXX attachments Hide message history From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Subject : XXXX : Proof Regarding Identity Theft Claim, No. XXXX What date did he first discover that someone was using his identity for financial gain? 3 YEARS BACK XX/XX/XXXX ON MY BIRTH DAY HE SENT ME A MESSAGE " TODAY IS XXXX : XXXX BIRTHDAY I AM CELIBRATING " - How did he know that the person who stole their identity was XXXX XXXX? HE WAS STUDIED UNTIL GRADE XXXX BACK HOME AND I MET HIM AFTER 30 YEARS IN XXXX WHEN I VISITED TO MY SISTER LIVING THERE, EXCHANED MY CONTACT THEN SLOWLY HE HAS BEEN COME INTO MY PHONE HACKED AS HE IS THE XXXX AND I AM JUST THE GUST LIKE EVEN NOW HOLDING DELAYING INCOMING AND OUT GOING CALLS THEN SOCIAL MEADIAS MY WORK COMPUTERS SEE DETAILS BELLOW PARAGRAF, I GAVE POLICE COMPLAIN THEY TOLD JUST INFORM INTERNET PROVIDERS XXXX AND THEY PUT THE ALERDS.NOTHING WORKED TO WIPED OUT I WENT IN PERSON TO XXXX XXXX XXXX TO PUT THE COMPLAIN ABOUT IDENTITY THEFT AND THE PROVIDE ALL THE BIO DATA OF XXXX XXXX SEE ATTACHED COMPLAIN SHEET,- Please provide documents showing that his identity was used by the suspect MY HEALTH CARD RENUVAL APPLIED WITH MY PASS PORT A ID HAS BEEN CHANGED MY STATUS AS A PROTECTED PERSON, WHICH HE JUST ARRIVE HERE, I AM XXXX CITIZEN SEE XXXX XXXX CARD ATTACHED. NOTICE OF ASSESMENT XXXX AND LAWFULL DOCUMENT MISPLACED TO ME RECEIVED BY XXXX THE FAKE XXXX XXXX NEW HOME REBATE CREDITED BY REVENUE XXXX FOR XXXX FOR XXXX XXXX XXXX HOUSE, SEE DETAILS BELLOW PARA. I GOT IT XXXX {$2000.00} XXXX AS XXXX XXXX XXXX Regarding Identity Theft Claim, No. XXXX, even my identity theft identified with the judges order i have been re taken my house XXXX XXXX XXXX XXXX XXXX WHERE I LIVING THERE AND CLEAND BY THE JUDGES ALL MY CHARGES STILL I HAVE DRIVINGE. - List of costs used by the suspect and supporting documents. I attached an XXXX form so that insured can list out the items he is claiming for., ALL IDS HE AND HIS EXTENDED FAMILY WIFE AND XXXX CHILDERN { CHILD IDENTITY THEFT BECAME LAW ENNANCED XXXX XXXX ON XX/XX/XXXX IN US . } LOCATED IN XXXX XXXX XXXX WITH HER SISTER AND FAMILY USING MY FIRST NAME AS THEIR LAST NAME. ONLY ELIGIABLE TO USE MY FIRST NAME AS THEIR LAST NAME IS MY WIFE AND MY DAUGHTER ONLY NEED TO BE CHAIRD ALL CRIME REPORT TO THE US. AND CLEAN MY OWN FAMILY. ALL CRIME MAKING MOST WANTED CRIMINAL AROUND THE WORLD AND HIS EXTENDED FAMILY ENTIRELY RESPONSIBLE FOR ALL CRIME AROUND THE WORLD IS XXXX XXXX FAMILY ARE ENTIRELY RESPONSIBLE AS THE JUDGES CLEAND ME ANDALL IDS NEED NEED TO BE CANCELLED AND ARREST ANY CRIME THE MADE SEE ATTACHED BELLOW PARA FOR DETAILS. - I attached a Consent form for the insured ito complete, sign and return so that we can order a police report if needed. SIGNED AND ATTACHED - What was the police report file number? XXXX COMPLAIND IN PERSON ON XXXX XX/XX/XXXX- Please provide the name, badge number and contact information for the XXXX in charge of this case. Identity Theft Claim, No. XXXX, even my identity theft identified with the judges order i have been re taken my house XXXX XXXX XXXX XXXX XXXX WHERE I LIVING THERE AND CLEAND BY THE JUDGES ALL MY CHARGES STILL I HAVE DRIVING SUSPENTION AND PROBATION IN XXXX DUE TO MY CLAIM FOR IDENTITY THEFT FROM XXXX XXXX XXXX HAS BEEN APPROVED 10 DAYS BACK I HAVE SUBMITED THROUGH EMAIL ALL QUSTIONS I HAVE BEEN ANSWERD AND PROOF OF IDENTITY THEFT WHAT EVER ABOVE NOW AGAIN SENDING DUE TO MY ADJESTER XXXX XXXX XXXX. XXXX FROM THE ALL SEASON INSURANCE BROCKERAGE WHERE I GOT MY HOME INSURENCE AND PAID IN FULL FOR ENTIRE YEAR, WHAY WAITING AND DILAYIMNG AND FINALIZING MY CLAIM THE GUY WHO HAS BEEN MISUSED ME STOLEN MY IDENTITY MORE THAN 3 YEARS STILL NOT BEEN ARRESTED AND ALL IDS IN MY NAME AND MY DATE OF BIRTH REGISTERD IN XXXX THE MOST WANTED CRIMINAL WANTED IN ENTIRE XXXX HE HAS CRIME CHRGES IN XXXX XXXX, XXXX XXXX XXXX XXXX HAS BEEN ENNAUNCED REWARDS TO GET XXXX XXXX DATE OF BIRTH XX/XX/XXXX AND ALL HIS BIO DATAS HAS BEEN PROVIDED IN THE IN PERSON COMPLAIN IN XXXX XXXX XXXX I HAVE ATTACHED ABOVE EVEN HIS XXXX PHONE LAND LINE AND WHATS APP AND HIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX. HE HAS BEEN HIDED SNEAKLY IN MY NAME AND DEATE OF BIRTH HERE IN XXXX XXXX AND XXXX GRABED MY HOUSE AND LIVED IN XXXX XXXX XXXX WITH THE SUPORT OF MY TANNANTS XXXX AND XXXX FAMILY AND XXXX XXXX XXXX XXXX ALSO OWING {$100000.00} THE CERTIFYED CHEK I GOT IT I SOLD THE PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ISSUEAR OF THE CERTIFYED CHECK ALSO A LAWYER OF SECOND MORTCAGER ABDUCTED ME TO XXXX AND XXXX THE CHECK IN XXXX XXXX BY THE CRIME GROUB INTERNATIONAL LEAD XXXX XXXX RIGHT NOW HERE IN XXXX IN MY NAME AND DATE OF BIRTH AND ALL MY DIVICES ARE HE IS THE ADMINISTRATOR I AM JUST THE GUST THATS WAY I HAVE HARD TIME AND HOLDIND AND STOPING IN COMING AND OUT GOING AND OUT GOING MESSAGES TO HAVE MY CLAIM I AM HOME LESS IN XXXX AND NO MONEY TO SUVAIVE WITH XXXX XXXX WAITING FOR MY INSURANSE AND ALL THE EXPENCES LIST HAVE BEEN SENT MY ADJESTER TO FINALIZED AS SOON AS XXXX PAST 3 YEARS I HAVE BEEN WORKED FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHO THE PEAPLE TAKING LIFE INSURENSE FOR ALL INSURENSE COMPANIES IN XXXX. MY HOUSE XXXX XXXX XXXX XXXX XXXX RENTED THROUGH REALITATER AND RECEIVED RENT FROM MY TANNENT AS A FAKE LAND LORD NO UTILITIES WATER, GAS. XXXX BILLS ARE PENDING TO PAY AND AS SOON AS I WITH THE XXXX ORDER TO LIVE IN XXXX XXXX XXXX THEY RAN AWAY OWING ME TO PAY AROUND {$60000.00} LAST 11 MONTH AND RECEIVED MY RENT {$2200.00} A MONTH TOTAL {$24000.00} PLUS UTILITIES FOR ENTIRE YEAR WITH THE INTEREST MUST BE ADDED DUE TO FILE THE CASE AS SOON AS I GET MY INSURENCE I GO BACK AND LIVE THERE AND ALSO I PROPERLY STOPED PAYMENT MY ROB CERTIFIED CHECK OF {$100000.00} CENTS ADDED THE CASH ITEREST OF XXXX XXXX XXXX XXXX ALSO THE ISSUER HAS BEEN SENT TO HIS TD BRANCH TO GET THE REPLACEMENT CHECK AND I HAVE TALK WITK THEH THE COSTEMER RELATION MANAGER PUT THE NOE IN MY COPY OF THE CHECK LAST YEAR XX/XX/XXXX THE ISSUER XXXX XXXX HAS BEEN RECEIVED STOPED PAYMENT MADE IN XXXX XXXX XXXX XXXX NEED TO BE ADDED 29 % CACH INTEREST UNTIL I RECEIVING THE REPLACEMENT CHECK THE ADVICE AND NOTED OF HIS TD BRANCH COSTOMER RELATION MANAGER NOTED IN THE CHECK. AS MY ADJESTED SENT ALL MY EXPENSES OF IDENTITY THEFT LOST MY WEGWE FOR 3 YEARS THE MAX {$2000.00} ITHIK I AM ELIGEBLE FOR DUE TO WORKED AND LOST MY JOBS DUE TO THE CONFIDENTIOLITY OF MY MORE THAN XXXX PATIENTS FILE HAS BEEN SCAMED MY WORK HOME COMPUTER THAT IS THE REASON XXXX THE FAKE XXXX XXXX SELECTED ME AND LOCATED XXXX ALL PATIENTS FILES CONFIDUTIAL INFOMATIONS ARE IN USE XXXX XXXX CASH FLOW ALL CAN BE MISUSED AND ALL KIND OF CRIME REPORT MUST BE SHARED TO THE US IMIGRATION AND GOVERNMENT OFFICIAL DUE TO AS BECAME A NEW LA THIS YEAR IN US IS VERY DANGERS FOR INNOCENT UNDER AGED CHILDREN, MOST WANTED CRIMINAL XXXX XXXX XX/XX/XXXX HERE IN XXXX XXXX HIS EXTENDED FAMILY NOW XXXX ADULTS CHILDREN AND HIS WIFE ARE LOCASTED IN XXXX XXXX XXXX XXXX XXXX US, WITH HER SISTER AND FAMILY USEING MY FIRST NAME XXXX AS THEIR LAST NAME AS OF MY OWN DAUGHTER AND WIFE HER IN XXXX USING MY FIRST NAME AS A LAST NAME ITS MUST BE ALL CRIME REPORT MORE OVER ALL HIS FAMILY AND FRINDES AND ENTIRE CRIME NETWORK OF MOST WANTED CRIMINAL FAMILISE ARE DOING CODE WORD XXXX XXXX XXXX SPREADING COVID 19 MONKEYPOX AND NEW VESION OF XXXX XXXX XXXX '' XXXX AGENTS HERE IN XXXX HE AND HIS XXXX PARTNERS REGISTERD XXXX XXXX XXXX XXXX PARTNERS XXXX XXXX AND XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX MUST BE ARRESTED AND CANCEL ALL IDS IN MY AND MY DAUGHTER AND MY WIFE '' S LAST NAME OF MY FIRST NAME IMMIDIATLY .ITS MANDATORY US CHILDREN IDENTITY THEFT HAPPEND IN US A LOT AND BACAME LAW THIS YEAR XX/XX/XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Subject : XXXX : Proof Regarding Identity Theft Claim, No. XXXX please feed back my email XXXX to come and collect my check and all the identity theft expenses back legally through my lawyer XXXX XXXX & XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Subject : XXXX : Proof Regarding Identity Theft Claim, No. XXXX What date did he first discover that someone was using his identity for financial gain? 3 YEARS BACK XX/XX/XXXX ON MY BIRTH DAY HE SENT ME A MESSAGE " TODAY IS XXXX : XXXX BIRTHDAY I AM CELIBRATING " - How did he know that the person who stole their identity was XXXX XXXX? HE WAS STUDIED UNTIL GRADE XXXX BACK HOME AND I MET HIM AFTER 30 YEARS IN XXXX WHEN I VISITED TO MY SISTER LIVING THERE, EXCHANED MY CONTACT THEN SLOWLY HE HAS BEEN COME INTO MY PHONE HACKED AS HE IS THE ADMINISTRATOR AND I AM JUST THE GUST LIKE EVEN NOW HOLDING DELAYING INCOMING AND OUT GOING CALLS THEN SOCIAL MEADIAS MY WORK COMPUTERS SEE DETAILS BELLOW PARAGRAF, I GAVE POLICE COMPLAIN THEY TOLD JUST INFORM INTERNET PROVIDERS XXXX AND THEY PUT THE ALERDS.NOTHING WORKED TO WIPED OUT I WENT IN PERSON TO XXXX XXXX XXXX TO PUT THE COMPLAIN ABOUT IDENTITY THEFT AND THE PROVIDE ALL THE BIO DATA OF XXXX XXXX SEE ATTACHED COMPLAIN SHEET,- Please provide documents showing that his identity was used by the suspect MY HEALTH CARD RENUVAL APPLIED WITH MY PASS PORT A ID HAS BEEN CHANGED MY STATUS AS A PROTECTED PERSON, WHICH HE JUST ARRIVE HERE, I AM XXXX CITIZEN SEE XXXX XXXX CARD ATTACHED. NOTICE OF ASSESMENT XXXX AND LAWFULL DOCUMENT MISPLACED TO ME RECEIVED BY XXXX THE FAKE XXXX XXXX NEW HOME REBATE CREDITED BY REVENUE XXXX FOR XXXX FOR XXXX XXXX XXXX HOUSE, SEE DETAILS XXXX XXXX. I GOT IT XXXX {$2000.00} XXXX AS XXXX XXXX XXXX Regarding Identity Theft Claim, No. XXXX, even my identity theft identified with the judges order i have been re taken my house XXXX XXXX XXXX XXXX XXXX WHERE I LIVING THERE AND CLEAND BY THE JUDGES ALL MY CHARGES STILL I HAVE XXXX. - List of costs used by the suspect and supporting documents. I attached an XXXX form so that insured can list out the items he is claiming for., ALL IDS HE AND HIS EXTENDED FAMILY WIFE AND XXXX CHILDERN { CHILD IDENTITY THEFT BECAME LAW ENNANCED XXXX XXXX ON XX/XX/XXXX IN US XXXX } LOCATED IN XXXX XXXX XXXX WITH HER SISTER AND FAMILY USING MY FIRST NAME AS THEIR LAST NAME. ONLY ELIGIABLE TO USE MY FIRST NAME AS THEIR LAST NAME IS MY WIFE AND MY DAUGHTER ONLY NEED TO BE CHAIRD ALL CRIME REPORT TO THE XXXX. AND CLEAN MY OWN FAMILY. ALL CRIME MAKING MOST WANTED CRIMINAL AROUND THE WORLD AND HIS EXTENDED FAMILY ENTIRELY RESPONSIBLE FOR ALL CRIME AROUND THE WORLD IS XXXX XXXX FAMILY ARE ENTIRELY RESPONSIBLE AS THE JUDGES CLEAND ME ANDALL IDS NEED NEED TO BE CANCELLED AND ARREST ANY CRIME THE MADE SEE ATTACHED BELLOW PARA FOR DETAILS. - I attached a Consent form for the insured ito complete, sign and return so that we can order a police report if needed. SIGNED AND ATTACHED - What was the police report file number? XXXX COMPLAIND IN PERSON ON XXXX XX/XX/XXXX- Please provide the name, badge number and contact information for the constable in charge of this case. Identity Theft Claim, No. XXXX, even my identity theft identified with the judges order i have been re taken my house XXXX XXXX XXXX XXXX XXXX WHERE I LIVING THERE AND CLEAND BY THE JUDGES ALL MY CHARGES STILL I HAVE DRIVING SUSPENTION AND PROBATION IN XXXX DUE TO MY CLAIM FOR IDENTITY THEFT FROM XXXX XXXX XXXX HAS BEEN APPROVED 10 DAYS BACK I HAVE SUBMITED THROUGH EMAIL ALL QUSTIONS I HAVE BEEN ANSWERD AND PROOF OF IDENTITY THEFT WHAT EVER ABOVE NOW AGAIN SENDING DUE TO MY ADJESTER XXXX XXXX XXXX. XXXX FROM THE ALL SEASON INSURANCE BROCKERAGE WHERE I GOT MY HOME INSURENCE AND PAID IN FULL FOR ENTIRE YEAR, WHAY WAITING AND DILAYIMNG AND FINALIZING MY CLAIM THE GUY WHO HAS BEEN MISUSED ME STOLEN MY IDENTITY MORE THAN 3 YEARS STILL NOT BEEN ARRESTED AND ALL IDS IN MY NAME AND MY DATE OF BIRTH REGISTERD IN XXXX THE MOST WANTED CRIMINAL WANTED IN ENTIRE XXXX HE HAS CRIME CHRGES IN XXXX XXXX, XXXX XXXX XXXX XXXX HAS BEEN ENNAUNCED REWARDS TO GET XXXX XXXX DATE OF BIRTH XX/XX/XXXX AND ALL HIS BIO DATAS HAS BEEN PROVIDED IN THE IN PERSON COMPLAIN IN XXXX XXXX XXXX I HAVE ATTACHED ABOVE EVEN HIS XXXX PHONE LAND LINE AND WHATS APP AND HIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX. HE HAS BEEN HIDED SNEAKLY IN MY NAME AND DEATE OF BIRTH HERE IN XXXX XXXX AND XXXX GRABED MY HOUSE AND LIVED IN XXXX XXXX XXXX WITH THE SUPORT OF MY TANNANTS XXXX AND XXXX FAMILY AND XXXX XXXX XXXX XXXX ALSO OWING {$100000.00} THE CERTIFYED CHEK I GOT IT I SOLD THE PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ISSUEAR OF THE CERTIFYED CHECK ALSO A LAWYER OF SECOND MORTCAGER ABDUCTED ME TO XXXX AND XXXX THE CHECK IN XXXX XXXX BY THE CRIME GROUB INTERNATIONAL LEAD XXXX XXXX RIGHT NOW HERE IN XXXX IN MY NAME AND DATE OF BIRTH AND ALL MY DIVICES ARE HE IS THE ADMINISTRATOR I AM JUST THE GUST THATS WAY I HAVE HARD TIME AND HOLDIND AND STOPING IN COMING AND OUT GOING AND OUT GOING MESSAGES TO HAVE MY CLAIM I AM HOME LESS IN XXXX AND NO MONEY TO SUVAIVE WITH XXXX XXXX WAITING FOR MY INSURANSE AND ALL THE EXPENCES LIST HAVE BEEN SENT MY ADJESTER TO FINALIZED AS SOON AS POSIBLE PAST 3 YEARS I HAVE BEEN WORKED FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHO THE PEAPLE TAKING LIFE INSURENSE FOR ALL INSURENSE COMPANIES IN XXXX. MY HOUSE XXXX XXXX XXXX XXXX XXXX RENTED THROUGH REALITATER AND RECEIVED RENT FROM MY TANNENT AS A FAKE LAND LORD NO UTILITIES WATER, GAS. XXXX BILLS ARE PENDING TO PAY AND AS SOON AS I WITH THE JUDES ORDER TO LIVE IN XXXX XXXX XXXX THEY RAN AWAY OWING ME TO PAY AROUND {$60000.00} LAST 11 MONTH AND RECEIVED MY RENT {$2200.00} A MONTH TOTAL {$24000.00} PLUS UTILITIES FOR ENTIRE YEAR WITH THE INTEREST MUST BE ADDED DUE TO FILE THE CASE AS SOON AS I GET MY INSURENCE I GO BACK AND LIVE THERE AND ALSO I PROPERLY STOPED PAYMENT MY XXXX CERTIFIED CHECK OF {$100000.00} CENTS ADDED THE CASH ITEREST OF XXXX XXXX XXXX XXXX ALSO THE ISSUER HAS BEEN SENT TO HIS TD BRANCH TO GET THE REPLACEMENT CHECK AND I HAVE TALK WITK THEH THE COSTEMER RELATION MANAGER PUT THE NOE IN MY COPY OF THE CHECK LAST YEAR XX/XX/XXXX THE ISSUER XXXX XXXX HAS BEEN RECEIVED STOPED PAYMENT MADE IN PLOMONTON MONTRIAL TD BRANCH NEED TO BE ADDED 29 % CACH INTEREST UNTIL I RECEIVING THE REPLACEMENT CHECK THE ADVICE AND NOTED OF HIS TD BRANCH COSTOMER RELATION MANAGER NOTED IN THE CHECK. AS MY ADJESTED SENT ALL MY EXPENSES OF IDENTITY THEFT LOST MY WEGWE FOR 3 YEARS THE MAX {$2000.00} ITHIK I AM ELIGEBLE FOR DUE TO WORKED AND LOST MY JOBS DUE TO THE CONFIDENTIOLITY OF MY MORE THAN XXXX PATIENTS FILE HAS BEEN SCAMED MY WORK HOME COMPUTER THAT IS THE REASON XXXX THE FAKE XXXX XXXX SELECTED ME AND LOCATED XXXX ALL PATIENTS FILES CONFIDUTIAL INFOMATIONS ARE IN USE XXXX XXXX CASH FLOW ALL CAN BE MISUSED AND ALL KIND OF CRIME REPORT MUST BE SHARED TO THE US IMIGRATION AND GOVERNMENT OFFICIAL DUE TO AS BECAME A NEW LA THIS YEAR IN US IS VERY DANGERS FOR INNOCENT UNDER AGED CHILDREN, MOST WANTED CRIMINAL XXXX XXXX XX/XX/XXXX HERE IN XXXX XXXX HIS EXTENDED FAMILY NOW XXXX ADULTS CHILDREN AND HIS WIFE ARE LOCASTED IN XXXX XXXX XXXX XXXX XXXX XXXX, WITH HER SISTER AND FAMILY USEING MY FIRST NAME XXXX AS THEIR LAST NAME AS OF MY OWN DAUGHTER AND WIFE HER IN XXXX USING MY FIRST NAME AS A LAST NAME ITS MUST BE ALL CRIME REPORT MORE OVER ALL HIS FAMILY AND FRINDES AND ENTIRE CRIME NETWORK OF MOST WANTED CRIMINAL FAMILISE ARE DOING CODE WORD XXXX XXXX XXXX SPREADING COVID 19 MONKEYPOX AND NEW VESION OF XXXX XXXX XXXX '' XXXX AGENTS HERE IN XXXX HE AND HIS XXXX PARTNERS REGISTERD XXXX XXXX XXXX XXXX PARTNERS XXXX XXXX AND XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX MUST BE ARRESTED AND CANCEL ALL IDS IN MY AND MY DAUGHTER AND MY WIFE '' XXXX LAST NAME OF MY FIRST NAME IMMIDIATLY .ITS MANDATORY US CHILDREN IDENTITY THEFT HAPPEND IN US A LOT AND BACAME LAW THIS YEAR XX/XX/XXXX. | ||||||
| 05/05/2023 | Yes |
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| Please Help I have my mortgage with PNC and had the home damaged by Hurricane Ian After many days and hours working with insurance companies I have received checks which I had to send off to XXXX This is the company you subcontract They have poor communication (Failed ) to advise me of a inspection they canceled. Stopped a inspection because they want additional paper work, they told me they where going to get from the insurance company, however they did not follow through. Numerous delays ect..... I currently have to use my credit cards to pay for materials. Adding up the next steps how many days would have to take place By there schedule all the time at least 4 or 5 weeks before I would see another check. I will have to stop construction and wait. This is unacceptable !!! ADD IT UP 1) Currently waiting for a decision. 3 or 4 more days 2) if the decision goes through request a inspection 4-6 days until inspector responds 3) inspector schedule is backed up at least 1 to 2 weeks probably more!! 4) report turned in 2 to 3 days 5) XXXX reviews and issues a check 6 to 8 business days 5) check can only be mailed (this is unacceptable) 3 or 4 days I only owe XXXX on the house. The lot alone is worth XXXX what are you trying to protect!!!!! This company is causing far more harm than good !!! After research I found awful reviews online, Do you want your customers to have to deal with this please read some of the reviews list Also respond to me ASAP thanks XXXX XXXX I currently am incurring unnecessary costs due to 1) charge card fee's 2) stopping of repairs due to lack of funds 3) loss of contractors they require upfront fee's 4) hours of phone calls ect.... Please be advised I am considering hiring a attorney to help with theses additional cost recoup and also free up my money!! If you would like me to send you pictures of the progress ect.... I would be happy to. Reviews customer complaints Class action lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer Review updated: XXXX XXXX XXXX Featured review Getting XXXX to release funds is nearly impossible. They lose documents over and over again. Each time you call you get a different rep with a different document lost or one that gives the all clear, the funds are being drafted and will be there by XXXX in 3-5 days only to call back and hour or day later to be told NO, you need the same documents you submitted almost daily for 9 months. We have all suffered a loss and this third party company many mortgage companies use is an insult and causes more unneeded grief. Getting my money to rebuild I feel isn't ever going to happen and I can't do anything but resend resend resend. I'm tired and this is enough. If anyone knows of a class action law suit against XXXX, let me know. This is not against my mortgage company but the company they choose to use in an insurance claim for property lo. From reading all the complaints online from people just like me who are describing the same issues as I am going through, I know we would have a strong case and win. We deserve or lives back and in a timely manor. Update by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I finally received my check after XXXX months of XXXX. Lost one contractor over this. Now I get a letter I'm supoosed to have everything rebuilt in 45 days. What contractor sits and waits for months while I fight to get the money I should have had way back in XXXX It's now XXXX and I'm on a waiting list to begin construction hopefully, this month. I'm lucky the only other contractor in the area can still build it this year. Now I have to worry about penalties for not having it started because XXXX XXXX XXXX XXXX for most of the year? I'm stilll interested in filling a lawsuit against this company and on behalf of all of us who go through this. Their blundering is why I'm last on the rebuild list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer Have gone through the same, documents that were accepted then lost or no longer accepted for a new reason now. I am having to come out of pocket for the repairs, my wife and I have had to live out of our bedroom and bathroom while cooking on the grill or flat top because the funds are being withheld even though i have submitted pictures and receipts that the work is being done. Have also requested to speak to a manager and was told 24-48 hours then 5 days later still nothing. Ridiculously [censored]ty service. along with non educated (on the business) representatives. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same here been out of my home since August my family and I are sick of hotels. We have four contractors all of which I submitted the documents to this place to show deadlines on when I need debts paid. There process does not register in the construction world. With supplies going up and being scarce I need my funds readily available. They sent a inspector and demanded we submit a clean air test to move forward. Something my insurance company and building inspector arent even requesting. I paid outta my own pocket for one. Of course it passed and submitted it. Only to get XXXX of my XXXX There driving my to the point of no return. Please if theres a class action I need the info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same problem with Insurance claim check.com . After all they really dont seem interested in helping those who are trying to restore their homes. Its as if they have some ulterior motive to force upon us forced insurance or take our property away from us. Im all in for a resolution so please send me information reference lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Verified customer There definitely needs to be a class action. More Helpful?10 ShareReply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer XXXX, Please contact us we are also dealing with the XXXX XXXX. Every time we call it's we need this and that we send it but now we need more, We are down to 1 handyman that is willing to help but he is almost done with us and i can say not being able to use or bathroom for over a year and with reading the horror story's above we will continue to do so unless someone steps in to help. Sincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer Omgosh! We too are dealing with XXXXXXXX. Our home was destroyed by fire last XXXX. Mortgage is with XXXX XXXX. First check to my contractor was released by XXXX without problem. Now that we are over 50% complete, we have been trying to get an inspection since XXXX XXXX They keep saying someone will get back to us in 24-48 hours. Nothing! My contractor says he may have to pull his crews off the job! I'm absolutely lost and have no idea what to do. Advice would be so helpful! If it's this hard to get an inspection I can only imagine what will happen when we try to get more $ released nybthe inaurance company! I could just cry! More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer I have had the same problems getting the money from XXXX XXXX XXXX.. This time, I've been trying to get an inspection for a month. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer Very interested in a lawsuit. We have been living in 1/3 of our house with only a bedroom, 2 bathrooms, an office & a laundry room since XXXX We have sent all necessary paperwork multiple times by fax & overnight, certified. 3 representatives have told us that our initial funds are being released so I would keep checking the mail only to find out a week or 2 later that they changed their mind. We didn't receive any notification regarding the status change either. I'm so tired of living without a kitchen, living room, dining room, master bedroom & being surrounded by stud walls, scaffolding & insulation. We are having to borrow money to at least make it livable. Flooring & kitchen cabinets are in but we don't have the funds to pick them up. Now we run the risk of losing our contractor as well. More J XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Replying to comment of XXXX I am having same problem with XXXX XXXX XXXX Both my 1st mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX are using XXXX XXXX to handle funds to fix home. It has been going on for 3 years of fighting with XXXX XXXX XXXX XXXX worth of damage on my home. Now with XXXX XXXX They lost 2 of my checks, they said they mailed 2 other checks but it's been 21 days since they said checks were mailed. I provide them with insurance adjuster work sheet but they said it is not good enough, I resent same work sheet and still waiting. I have been calling everyday for the last 21 days to see where the 4 checks are. I keep getting different stories from everyone. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to send them an insurance check for over XXXX for a damaged kitchen. They claimed they sent it over a week ago and I still haven't received it in the mail. I am angry. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer Replying to comment of XXXX XXXX XXXX I know your post is over a year old, but did you received the check after the endorse it? And how log it took to receive it on the mail? They claimed they send our check 10 days ago but I haven't received the check. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer Same exact problems. Mine is with XXXX loss claims dept. Been 7 months since I sent the check to them for their endorsement to get my roof replaced from a storm. No matter what document they want, I send. Next time I call, it's a different document that they need. It's a no win situation. In the mean time, roof is leaking into my home in three places. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is a joke. My garage was knocked down by a tornado in XXXX. XXXX keeps denying my adjusters work sheet, saying its not complete. Myself and my insurance company has sent them ever document they have requested several times. Every time I requested to speak to a supervisor Im told there is not one available and they will submit a request for one to call me back. Ive yet to receive a call back. I would like to list my house for sale but am unable to because my garage had not been rebuilt because because they will not expect the documents from my insurance company. Ive lost 2 contractors and spent money out of my own pocket. I also still have no garage so my property is being damaged sitting outside. Mor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello, I just received my checks from my insurance company and my mortgage company is using this XXXX also.I am reading what has happened to everyone and now am soo disappointed to have to send them these checks. I to have a roof leak and it will start to rain in about another week or two. Does anyone have any advice? More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same story here, XXXX in damage ten months ago and they have paid out XXXX of it and we are almost complete on the project. No one answers emails and the phone always dumps into voicemail. At this point if I dont get a check there is a good chance my contractor will lien my property. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am is the same boat as everyone else on here. I am trying rebuild a $XXXX house and all they have gave me is $XXXX and I'm in debt to my contractor $XXXX and he won't go any further. I get a different story from a different person every day and I'm tired of fighting them for my money. Has anyone had luck sewing them? I have threatened them several times and they don't seem to care. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Replying to comment of XXXX XXXX I am having same problem with XXXX XXXX XXXX Both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are using XXXX XXXX to handle funds to fix home. It has been going on for 3 years of fighting with XXXX XXXX XXXX XXXX worth of damage on my home. Now with XXXX XXXX They lost 2 of my checks, they said they mailed 2 other checks but it's been 21 days since they said checks were mailed. I have been calling everyday for the last 21 days to see where the 4 checks are. I keep getting different stories from everyone. I am up for class action law suit. They keep denying my adjusters work sheet, saying its not complete. Every time I requested to speak to a supervisor Im told there is not one available and they will submit a request for one to call me back. Ive yet to receive a call. More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer As I type I'm on hold with XXXX XXXX XXXX.. phone says 25 minutes and counting. I am waiting for them to release my XXXX XXXX check. Work has already been completed OH just disconnected! How nice. Damage was done on XXXX XXXX Got the checks from the insurance company. Forwarded them to XXXX. They will not release these funds! Now I'm behind on my mortgage bc I used those funds to do the repairs... thinking... I will have my insurance check to pay the mortgage. I'm in on the lawsuit if someone contacts me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm new to this insurance claim check process but not new to Insurance claims. In the past XXXX we had a fire, XXXX hit by a tornado and now another tornado XXXX This company received our insurance check on XXXX and processed by XXXX. Today is XXXX and over 15 calls, 47 paid receipts sent, subcontractors info sent in have not received a dime. We are 75% complete with our repairs, requested 50% inspection on XXXX and nothing. I need my air unit replaced but need the money to pay that subcontractor before receiving the unit. Tonight I took a picture of 79 in my house. Yes, it's hot! I hope I have a better outcome than the others but have a feeling I won't. Please sign me up! I did submit a letter today for XXXX XXXX for help and document all the time lines and conversations since they say they record the calls. This company is a real joke and the customers are always wrong. contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified customer Replying to comment of XXXX XXXX XXXX I have been trying to get XXXX from these blood sucking company since XXXX XXXX.. The sad thing is thst my home owner ins company sent me a check in XXXX for the XXXX to repair the damages and I had to send it to XXXX XXXX which is part of my mortgage company and now theyre saying that I have to hire a contractor that wants XXXX XXXX XXXX XXXX XXXX job and these blood sucking people wont even give me the number to the head Quarters so I can talk to someone that is in charge its so ridiculous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Replying to comment of XXXX XXXX XXXX XXXX XXXX - Class action lawsuit against XXXX Getting XXXX to release funds is nearly impossible. They lose documents over and over again. ... I am having same problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to handle funds to fix home. It has been going on for 3 years of fighting with XXXX XXXX XXXX XXXX worth of damage on my home. Now with XXXX XXXX They lost 2 of my checks, they said they mailed 2 other checks but it's been 21 days since they said checks were mailed. I have been calling everyday for the last 21 days to see where the 4 checks are. I keep getting different stories from everyone. They keep denying my adjusters work sheet, saying its not complete. Every time I requested to speak to a supervisor Im told there is not one available and they will submit a request for one to call me back. Ive yet to receive a call. | ||||||
| 11/15/2017 | Yes |
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| I 'm a Certified XXXX XXXX, and I have worked in the construction industry for over 20 years. I acquired my experience working for national construction companies, and in XXXX was presented with an opportunity as the XXXX XXXX of XXXX for the startup of a construction company located in XXXX XXXX. I relocated to XXXX XXXX in XXXX, and rented a house, until I could locate a parcel of land to construct my personal residence. In XXXX, I applied, and was approved for a construction to permanent loan with XXXX XXXX XXXX XXXX in the amount of {$510000.00} for the acquisition of land, and the vertical construction of my primary residence. The Construction was completed in XXXX XXXX, and the loan was in the process of being converted to the permanent mortgage, when I received the permanent mortgage paperwork, I noticed that the interest rate was the same rate as the construction interest rate. The construction interest rate ( 6.75 % ) was supposed to be adjusted to the market rate ( 4.25 % ) for the permanent mortgage, this was a huge concern, because the interest rate difference would have meant a significant reduction in my mortgage payment. When, I contacted the loan specialist that was assigned to my loan, she initially apologized for the mistake, and said she would have it corrected. I was informed a few days later by the loan specialist that unfortunately, she was unable to change the rate, because all activity had been stopped on lending and refinancing due to the ensuing market crisis. The other issue that came up during the conversion was the mortgage had been split into two mortgages, one mortgage was {$410000.00}, and the other mortgage was for the remaining {$91000.00}. I inquired on numerous occasions as to why I had two mortgage payments, I was informed that the maximum amount that XXXX XXXX will back on residential housing is {$410000.00}, and once a mortgage is originated, lenders have a choice. They can either hold the mortgage in their own portfolio or they can sell the mortgages to secondary market investors, such as XXXX XXXX. When lenders sell their mortgages, they replenish their funds, so they can turn around and lend more money to home buyers. So, not only was I paying a high interest rate, I also had two mortgage payments instead of one, and this was only done to benefit the bank. I had no choice but to accept the situation I found myself in, and every couple of months I would check with XXXX to see if the interest rate could be adjusted. Due to the housing market crisis, I was unable to find employment in the US, and was offered an opportunity working overseas, I accepted the opportunity, and relocated to XXXX XXXX to work for a XXXX XXXX XXXX XXXX in XXXX XXXX, on a two-year contract. Prior to departing the US, I informed XXXX that I would be out of the country, and I would be limited to annual returns to the US, my mortgages were established and paid through XXXX via online accounts. My main concern with my mortgage was still the high interest rate, I returned in XXXX XXXX to finish the XXXX paperwork process for my employer, and again checked with XXXX to see if there had been any changes with the ability to lower my interest rate, and was informed that there were no changes, now the interest rates were in the 3 % range and trending lower. In XXXX the housing market crisis had grown to a nationwide economic crisis, and the government was trying to stabilize the economy by supporting the financial market with TARP funding. In XXXX XXXX, I attempted to pay my XXXX XXXX mortgage payment online from the XXXX XXXX, and a message was displayed on the XXXX website with instructions to call the listed phone number, when I called the number, a representative from PNC bank answered the call, informing me that they had acquired XXXX, I was then instructed to create a new account on the PNC website using my existing loan number, and the account would transfer into the PNC data base. This worked for the one mortgage, but when I attempted to do the same process with the second mortgage the PNC website could not locate the loan number. I immediately called PNC, and explained the issue with the second loan to the PNC representative, she searched the PNC data base and informed me that she did not see any other loans associated with the address, I assured her that there was a second loan, and she said, she would need more time to search for the loan, and would get back to me within the next few days. The PNC representative contacted me the next day to inform me that she could not find any other loan, other than the one that had been converted the day before. At this point I could not do anything further over the phone, and would have to wait until I returned to the US, fortunately my wife at the time was able to locate another XXXX website and pay the XXXX XXXX mortgage payment. Before, I was able to return to the US, I was notified by a neighbor in XXXX XXXX who was getting the mail and checking on the house periodically, that there were a lot of letters being delivered from the IRS, she would not open any of the letters to see what they were, but instead put them in a XXXX envelope and sent them to me in XXXX XXXX, when I received the letters and opened them, I was shocked and perplexed to see that XXXX had reported the construction loan to the IRS as miscellaneous income, the IRS was demanding payment for {$180000.00} in back taxes, before I was able to contact the IRS, all of my bank accounts were seized by the IRS. After contacting the IRS, I was informed that a revised XXXX would need to be submitted by XXXX, so I contacted PNC, because they had informed me that they acquired XXXX, PNC said that they could not do anything, and that XXXX would need to submit a revised XXXX. After a month and half of trying to get this issue resolved with PNC/ XXXX XXXX XXXX finally sent the IRS the revised XXXX, and my bank accounts were released from the IRS XXXX At this point I didnt know what was going on with the acquisition of XXXX by PNC, Im paying one mortgage to PNC, and the other mortgage to XXXX. PNC never converted or acknowledged the second mortgage, and in XXXX of XXXX shut down all the XXXX data bases and websites, my last payment on the second mortgage was made in XXXX XXXX. I returned to the US in XXXX XXXX and visited my local PNC Bank, and spoke with the PNC Branch Manager, initially I was informed that no such loan ever existed, I then presented her with the loan documents for the account, as well as, my bank records showing the payment history of the loan. The Branch Manager, after reviewing my documents seemed a little perplexed, and realized that a mistake may have been made during the acquisition. I was informed that she would need to research my situation, and she would get back to me in the next couple of days. When I received the follow up call from the Branch Manager, I immediately went to the PNC Branch for what I hoped would be good news. The first and most important issue was the status of the second mortgage, the Branch Manager said that after PNC thoroughly checked their records, they could not verify another loan associated with the property address. My second order of business was the refinancing of the first mortgage to lower the interest rate, which was never adjusted since the loan originated, I was informed that I was not approved for refinancing, because I was current on the mortgage, and at that time the bank was only helping home owners who were behind or delinquent with their mortgage. So, not only did the missing second mortgage issue get resolved, I was not approved for re-financing which would have significantly reduced my monthly payment. I returned to the XXXX XXXX in XXXX XXXX, and I was very frustrated and confused as to why I felt like nothing had been accomplished with resolving the missing mortgage, and reducing the interest rate, which would have significantly reduced the mortgage payment by more than half the current payment. I returned to the US in XXXX XXXX for an 11-day visit, I was going through the mail that a neighbor had been collecting for me, and found a letter from PNC offering to reduce the interest rate on my mortgage loan, I went to my PNC Branch, and at first the representative I spoke with was very helpful, as he researched the property address, he informed me that there was a slight problem with my account, and referred me to the Branch Manager. The Brach Manager pulled my account up, and said that they could not do the refinancing because there was a problem with the second mortgage, it had been sold to another lender named XXXX, and I would need to contact the new lender to resolve any issues with the loan, before PNC would be able to refinance the loan they held, I was puzzled, because this was the same Branch Manager that told me there was no other loan associated with the property address, I never received any correspondence from PNC mentioning the loan had been sold to a new lender, nor did I receive anything from the new lender mentioning that they had purchased my mortgage. After my visit with the PNC Branch Manager, I felt that something was very wrong with the current situation, and the events that had taken place over the past year. I contacted the new lender, and discussed the status of my mortgage loan, during the conversation I asked what does XXXX stand for, and I was told it stood for XXXX XXXX XXXX, so this is not a mortgage company, the gentleman said no we are an investment company, I ended the call. I returned to the XXXX XXXX in XXXX XXXX, and I was trying to understand how this whole situation was completely out of my control, and I was the one paying for it. I normally check my credit report each year, but with the economic crisis in the US, and my overseas employment, I hadnt checked my credit report, since I applied for the construction loan in XXXX, at that time my score was over XXXX. When I pulled my credit report I was devastated when I saw my credit score at XXXX, as I looked through the report I saw the biggest impact to my score was a charge off in XXXX XXXX reported by both XXXX and PNC, my first thought after getting over the shock of how low my score was, why is XXXX charging off a loan in XXXX XXXX, when PNC acquired XXXX in XXXX, started converting accounts XXXX XXXX, and shut down all XXXX data bases in XXXX XXXX. My next thought was : Why is PNC reporting to the credit bureaus on a loan they say didnt exist? Why didnt PNC notify me when they located the loan? If PNC sold the loan why was it charged off? Something was not right with this whole situation, and my next action to try and get this resolved was to obtain legal representation. In XXXX XXXX, I retained XXXX XXXX XXXX to hopefully resolve the issues with PNC, and in XXXX XXXX a Qualified Written Request was sent to PNC with no reply, in XXXX XXXX the Qualified Written Request was sent a second time with no reply from PNC. My contract with my overseas employer was completed in XXXX XXXX and I returned to the US, I was unemployed, and looking for any opportunity to earn income. I saved some money during my overseas employment, but I knew it wouldnt last very long with my current mortgage situation with PNC, I desperately needed the loan to be modified to a more affordable mortgage payment. I made my last payment on the active loan to PNC XXXX XXXX, PNC then filed for foreclosure in XXXX XXXX. I submitted the first loan modification packet to PNC XXXX XXXX, after going back and forth with PNC on missing documents, and updating documents, the request was denied XXXX XXXX. I submitted a second loan modification packet XXXX XXXX, same issue happened with PNC on missing documents, and updating documents, the request was denied XXXX XXXX. I submitted a third loan modification packet XXXX XXXX, same issue happened with PNC on missing documents, and updating documents, the request was denied XXXX XXXX. My attorney asked me how the loan modification process was going, and after I explained to him what was taking place, he asked me to bring the forth loan modification packet to him, and we would send it from his office. The fourth packet was submitted to PNC in XXXX XXXX. My attorney informed me that the packet had been received, and in XXXX XXXX he was informed that the packet was incomplete, he resent the same packet and at the end of XXXX XXXX the packet was accepted. In XXXX XXXX, I received the loan modification being offered by PNC, my original loan was a XXXX fixed rate loan, the interest rate was the original 6.75 %, and the payment was {$3200.00} per month, the modification offered was increasing the term from 30 to 40 years, the interest rate stayed the same, and the payment increased to {$3800.00}. I wasnt sure how this was a loan modification, when nothing seemed to get better, I refused the offer presented by PNC. During the attempts to modify the loan with PNC, I was trying to refinance my residence with other lenders, including using my veterans benefits, but one of the requirements to pre-qualify was a minimum credit score of XXXX, because of the charge off, my credit score was far below the minimum requirement. The foreclosure trial was scheduled for XXXX XXXX, XXXX, prior to the beginning of the trial, the judge asked both parties if we would like to take a few minutes outside of the court room to try and resolve the current situation, my attorney and I were open to discussing any possible solution, but the PNC attorneys were not. The Trial proceeded, and when the trial ended the judgment was in my favor. PNC appealed the trial courts decision, and in XXXX XXXX the appellate court over turned the trial courts ruling, and my new attorney XXXX XXXX XXXX Group informed me that I would be able to stay in my home for a couple of months, and then I would more than likely have to vacate my home. After reading through both the Per Curiam and the Reply Brief, I 'm finding a lot of open conclusions and misstated information, I 'm not sure if this was due to PNC 's influence during the oral argument or where exactly the appellate court is drawing their conclusions from. I spoke with XXXX, as far as, our next action and agree to request a rehearing, I also went through my warranty deed paper work and found errors and information that is incorrectly translated to the loan documents. When I discussed this with XXXX, he mentioned that new information and documents are not allowed to be introduced into the appellate proceeding, I asked are documents from the trial allowed to be revisited, if they were submitted as evidence? Instead of waiting until I was evicted, I filed for bankruptcy in XXXX XXXX, the bank has now proposed a trial plan for a loan amount of {$550000.00} when my initial loan was for {$510000.00}. This never-ending nightmare, started in XXXX when my interest rate was never adjusted on my mortgage loan, and continued when PNC acquired XXXX and charged off my 2nd mortgage in XXXX, which destroyed my credit score and the ability to refinance the remaining mortgage. I was unemployed in XXXX XXXX, and had no choice under the circumstances at the time, but to stop paying the mortgage in XXXX XXXX.The hardship continued through the multiple attempts at modifying the loan from XXXX through XXXX. Due to the unwillingness of XXXX PNC to recognize and fix their mistakes, I was unable to accept employment opportunities outside of the US for fear that PNC would think I abandoned my home. The few upper management opportunities Ive had in the US start out very positive, until the employer checks my credit rating, which is standard in the construction industry for higher paying roles, and once the employer sees my score the hiring process is stopped. | ||||||
| 12/01/2017 | Yes |
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| XXXX XXXX XXXX XXXX a partner at XXXX XXXX XXXX is the former Chairperson of the, XXXX XXXX XXXX XXXX, of the Illinois State Bar Association, allegedly, filed a foreclosure complaint on behalf of PNC Bank, NA on XX/XX/XXXX. PNC Bank NA is fully aware that a foreclosure was allegedly filed and that I filed a counter-complaint to defend this illegal action. PNC Bank, NA and XXXX XXXX XXXX XXXX similarly to XXXX XXXX holds a lot of financial and political power. I was deceived into thinking a foreclosure complaint was filed with the court when in truth no foreclosure was every filed. PNC has been collecting fees from this foreclosure that was never filed continues to charge me these illegal fees. PNC Bank, NA has committed numerous violations to the Fair Debt and Collections Practices Act as listed in the attached exhibits in addition numerous false documents have been submitted to the XXXX County Circuit Court. I recently found out that a foreclosure was not filed in accordance to common law and the rules and regulations that are required by the state of Illinois and federal law. That it was XXXX XXXX XXXX XXXX on behalf of PNC Bank, NA who submitted the documents pertaining to the foreclosure on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXandXX/XX/XXXX. The law firm paid the filing fee of {$880.00} and billed it to me along with other illegal charges but they only made it appear that a foreclosure complaint had been filed with the XXXX County Circuit Court. There are many legal steps that have to be taken before a foreclosure complaint is filed such as follows : That as a condition precedent to initiating a foreclosure the following must be done pe r 12 CFR 1024.41 ( f ) ( 1 ) - ( 2 ) : Servicers must engage in a single track for considering foreclosure alternatives up to the 120th day of delinquency. The foreclosure process may not commence if the borrower and servicer are engaged in a good-faith effort to resolve the delinquency. Also, prior to referral for foreclosure, the servicer must perform a formal review of the case to confirm that the borrower has been considered for a foreclosure alternative. Even after the foreclosure process has begun, servicers must continue to work with homeowners on foreclosure alternatives to ensure borrowers have additional opportunity to avoid foreclosure beyond the initial four-month period. At any rate I believe the documents I have attached will speak for themselves VIOLATION 1692e OF THE FDCPA 1. That the PNC Bank, NA is in alleged violation of the following : per 15 USC 1692e 807 False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 13 ) The false representation or implication that documents are legal process. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 2. That the PNC Bank, NA is in alleged violation of the following : per 15 USC 1692e 807 False or misleading representations : 3. That the PNC Bank, NA, intentionally failed to disclose important facts that were known to it that being a foreclosure complaint was never filed and fraudulent documents were filed with the Court. 4. The representations described above in section 1692 ( e ) were false when PNC Bank, NA made them, and PNC Bank, NA knew they were false when the collected them and continued charges and/or collections of attorney fees, legal fees, foreclosure costs, property inspection fees, filing fees, broker price opinions, predatory lending fees, and other charges and advances and are still collecting these fees. 5. That in reasonable reliance on the false and fraudulent representations described above and believing them to be true did not ask the Court to dismiss and award judgment and cost when the Defendants foreclosure complaint was allegedly filed on XX/XX/XXXX. 6. That the PNC Bank, NA made the representations described above with the intent and for the purpose of defrauding plaintiff. 7. That the PNC Bank, NAs concealment was a substantial factor in causing me harm. USC 1692f ; 808. Unfair practices 8. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 6 ) Taking or threatening to take any non-judicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 9. That PNC Bank, NA knew it was in violation of the foregoing subsections when it attempted to collect a debt that was not permitted by law. 10. That subsections A, B and C constituted taking a non-judicial action 11. That the PNC Bank, NA knew these actions were not legal when it collected and continues to charges, attorney fees, attorney advancement, foreclosure fees, property inspection fees, court filing fees. 12. That the PNC Bank, NA intended me to believe that these fees were proper. 13. That, in reasonable reliance on the false and fraudulent representations described above paid these fees and continues to be billed these fees. 14. That the PNC Bank, NA was harmed by these unauthorized charges. 812. Furnishing certain deceptive forms 39. That subsection ( a ) of the foregoing states as follows : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15. That the PNC Bank, NA represented to me that documents it submitted to me and the court were true and correct, when in truth they were not. 16. That the PNC Bank, NA knew these documents were fraudulent when they submitted them. 17. That I repeats and re-alleges each allegation including each Exhibit contained in my Affidavit attached herein with the same effect as if repeated in its entirety in this paragraph. 18. That I in reasonable reliance on the false and fraudulent representations described above and believing them to be true did not ask the Court to dismiss and award judgment and cost when the Complaint was allegedly filed on XX/XX/XXXX. 19. That the PNC Bank, NA made the representations described above with the intent and for the purpose of defrauding plaintiff. 20. That the PNC Bank, NAs concealment was a substantial factor in causing me harm. VIOLATION OF 1692f OF THE FDCPA 21. A debt collector violates the FDCPA when it attempts to collect a debt that is not authorized by law or an underlying agreement, see 15 U.S.C.A. 1692f. 22. The PNC Bank, NA has made derogatory entries on my Consumer Credit Report she has the right to bring additional claims under the Fair Credit Reporting Act, 15 U.S.C.A. 1681 et seq. 1692 ( b ) States as follows : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 23. That Plaintiff suing under the Illinois Consumer Fraud Act need not allege all elements of fraudulent misrepresentation, because the Act prohibits any deception or false promise or omission of material fact. XXXX XXXX XXXX. v. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 24. That any conduct in business which creates a likelihood of consumer confusion or misunderstanding is potentially actionable under the Illinois Consumer Fraud and Deceptive practices Act and the Uniform Deceptive Trade Practices Act. Statements made need not be actually have been false but only misleading. XXXX XXXX XXXX v. XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 25. That unlike a common law fraud claim, a successful claim under the Illinois Consumer Fraud Act does not require that the plaintiff have relied on the deception. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. 26. That cost that are imposed on an unwilling consumer can constitute a substantial injury for purposed of claim under the Illinois Consumer Fraud Act ( ICFA ) . XXXX XXXX XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. VIOLATION OF ( 815 ILCS 205/6 ) 27. Plaintiff suing under the Illinois Consumer Fraud Act need not allege all elements of fraudulent misrepresentation, because the Act prohibits any deception or false promise or omission of material fact. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 28. Any conduct in business which creates a likelihood of consumer confusion or misunderstanding is potentially actionable under the Illinois Consumer Fraud and Deceptive practices Act and the Uniform Deceptive Trade Practices Act. Statements made need not be actually have been false but only misleading. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 29. Unlike a common law fraud claim, a successful claim under the Illinois Consumer Fraud Act does not require that the plaintiff have relied on the deception. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XX/XX/XXXX. 30. Cost that ar e imposed on an unwilling consumer can constitute a substantial injury for purposed of claim under the Illinois Consumer Fraud Act ( ICFA ). XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 31. That the PNC Bank, NA knowingly charge meinterest, attorney fees, attorney advancement fees, property inspection fees, foreclosure fees. 32. That the PNC Bank, NA knew that these fees were not proper when the PNC Bank, NA charged and continues to charge them. 33. Plaintiff suing under the Illinois Consumer Fraud Act need not allege all elements of fraudulent misrepresentation, because the Act prohibits any deception or false promise or omission of material fact. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 34. Any conduct in business which creates a likelihood of consumer confusion or misunderstanding is potentially actionable under the Illinois Consumer Fraud and Deceptive practices Act and the Uniform Deceptive Trade Practices Act. Statements made need not be actually have been false but only misleading. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 35. Unlike a common law fraud claim, a successful claim under the Illinois Consumer Fraud Act does not require that the plaintiff have relied on the deception. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XX/XX/XXXX. 36. Cost that are imposed on an unwilling consumer can constitute a substantial injury for purposed of claim under the Illinois Consumer Fraud Act ( ICFA ). XXXX XXXX XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 37. That the PNC Bank, NA intended me to rely on allegations that these fees were proper. 38. That the deception occurred in the course of conduct trade or commerce. 39. That the PNC Bank, NAs concealment was a substantial factor in causing the me harm. 40. That the PNC Bank, NA continu es to charge the aforementioned fees and interest and these fees continue to occur. | ||||||
| 01/05/2022 | Yes |
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| Friday, XX/XX/XXXX, I discovered my PNC checking account had fraudulent charges. The dates the disputed transactions cleared my account are between XX/XX/XXXX and XX/XX/XXXX. During this time period I was in possession of my debit card at all times. Someone skimmed my card and was using my card at the same time as me during week of XX/XX/XXXX. When I discovered my account had been compromised, I called PNC, and the rep walked me through locking my debit card, and advised me to go to the branch or to go online to dispute the charges myself. I went to my local PNC at XXXX XXXX XXXX, XXXX, Indiana, that afternoon and met with the branch manager. He issued me a new debit card. He advised me to wait to file my dispute because I still had transactions pending, and he said they need to clear before I can dispute. He said if I dispute the other cleared transactions now, and went back to try and also dispute the pending, it would cause issues with my dispute. I waited for all transactions to clear and on XX/XX/XXXX, I went on PNCs online portal and filed the dispute myself. PNC only allows you to dispute 9 transactions per dispute submission. Each dispute asks questions about if I had my debit card? Do I want a new card issued? Etc. I chose my 9 highest transactions and filed the dispute. However, in total I really have 14 fraudulent transactions that range from $ XXXX {$95.00}. There are multiple smaller transactions for {$1.00}, {$1.00}, {$1.00}, etc. When I filed my initial dispute, my thought process was that I would just file one dispute for the highest charges and forget the smaller amounts because it wasnt worth my time to go through the tedious process again. My initial dispute reference number XXXX was for {$450.00}. I received a letter dated XX/XX/XXXX, that the dispute investigation has been complete. During our review of your account and the documentation available to us, we determined no error occurred and the transaction ( s ) is valid. You have the right to request the documentation we relied on in making our decision. I called the number the letter advised to call if you have questions or would like to request a copy of the documents, we relied on in making our determination. The representative I talked to didnt know exactly why my dispute was denied. She thought it had something to do with that I had my card. My understanding was that perhaps I had answered the questions during the dispute incorrectly. I explained, I wasnt sure if I was answering right because I had already been issued a new debit card a few days prior to the dispute. The lady said we can refile and she filed a new dispute. The dispute reference number is XXXX for the amount of {$450.00}. I received a letter dated XX/XX/XXXX that denied this dispute as well. Once again, I called PNC. This representative also went through notes and said there isnt a clear code of what being denied for, but based on notes thinks there are disputed and non-disputed transactions close together. This is when it occurred to me, that perhaps me not including ALL charges in my initial dispute is causing the issues. I explained to the rep that I initially just filed the 9 highest charges, because I wasnt so worried about the smaller charges. This rep also thought that there was an issue with my card and advised me that I needed to cancel my card, and be reissued a new one. This rep filed what I assumed were the same charges we discussed over the phone to include all transactions and because there were more than 9 charges, she filed two disputes : reference XXXX for {$380.00} and reference XXXX for {$260.00}. I did get a call from someone in customer service while this dispute was pending that explained I didnt need a new debit card issued. I went through the history of my dispute filings with her, and she basically said all we can do is keep refiling. These two disputes were also rejected XX/XX/XXXX. Once again, I called PNC and spoke to a representative that could not tell me why my disputes were denied. Per PNCs denial letter, I asked for him to send the documentation used to make this decision. I will include this as documentation for the complaint. All PNC sent was one letter that provided the name/phone/address/type/transaction date and amount. I called back and spoke with another representative hoping that someone else could provide more information ; or surely theres a manager or someone to escalate this situation. This representative went through the notes, again unsure exactly why it was denied, but said we can re-file. These two disputes were reference number XXXX for {$340.00} and reference XXXX for {$280.00}. Please keep in mind, each of these disputes is approximately an hour phone call in which I have to go line by line through each transaction again ; my whole story ; and questions of my first and last authorized transaction, did someone have my card, etc. Once again, these disputes were denied XX/XX/XXXX. Frustrated, and feeling like Ive clearly been getting nowhere over the phone, I visited my local PNC branch. I explained my story again : My card was skimmed. I had my card and was using my card the same time during about a week period. In addition, I was out of town for almost 2 days while my card was being used fraudulently in XXXX. To me, this simple fact that geographically these charges couldnt be happening simultaneously, should be enough proof that there was fraud on my account. I have been a customer of PNC for over 10 years, maintain healthy account balances, and have predictable and repetitive spending behavior. Surely someone could sit down face to face with me, hear my story, go through my transactions and help me file this so that it is acceptable to PNC. The branch manager could not help me, and said everything is handled by the dispute department. She told me I needed to call the 800 number on the letter. I advised her Id been doing that for months and not getting anywhere. Finally, she decided to call PNC herself with me in her office. She advised me that the reason for denial was that the card was present at transaction and card was in possession. She then wrote down the merchant names and phone numbers for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. They told me that I should contact the merchants directly to talk about the purchases. I advised her that I did NOT dispute the XXXX XXXX transaction. As a matter of fact, I specifically remember getting irritated with the previous rep filing the last dispute because XXXX XXXX is in the middle of other disputed transactions. There are several disputed XXXX XXXX charges and in the middle of these charges is my UNDISPUTED XXXX XXXX charge. I went home, looked up addresses for these places and tried calling a few unsuccessfully. I got the run around from the merchants and no return phone calls. Honestly the addresses for these businesses are in parts of town that I would not visit. How can PNC say my card was present at the transaction when I physically had my card at all times and know where I was and wasnt? Where is the onus on the merchant to prove I used my card? I drove through XXXX XXXX the morning of XX/XX/XXXX, dropped my kids at my in-laws and drove over three hours to XXXX, Indiana and stayed there that night and next day. As a matter of fact, I have several charges in XXXX, including at ATM withdrawal. How could my card be present at these transactions in XXXX and XXXX at the same time? At this point, I was assigned someone from the escalation team that reached out to me named XXXX XXXX. She went through my whole story again. She really couldnt help me understand what we need to do better in the process to file the disputes; just said that shed be at least a set point of contact to help through the process. I explained to her that I didnt feel like this process is fair because theyre filing over the phone, I dont see what theyre submitting and dont get a copy, so I dont know if the information is correct. Case and point, the last dispute that include a XXXX XXXX charge, that I promise if you pull my recorded conversation I did NOT dispute. I remember this because I used a swear word and said Yes I went to ** XXXX XXXX! because, again, this non-disputed charge in the middle of disputed charges seems to blow PNCs mind. But again, I did not dispute this charge, yet it was listed by a rep in my denial. In hindsight, going through all these claims and reference numbers, theyre all different amounts. I feel like weve got to a point where I screwed up in the beginning by not including all charges ; but some of these subsequent claims were denied in part due to the lack of competence by the PNC employees. I asked XXXX if I could get copies of all my disputes Ive filed, and for the documentation I have the right to referenced in my denial letters. XXXX said she would see what she could do and follow up with me. I also told XXXX that I wanted to print off my bank statements and be in front of my computer to go through with her. In the past, I was on my mobile app trying to scroll through charges. My thought at the time is PNC has their processes, everyone Ive talked to sincerely seems like theyre trying to help me, were just tied up in the bureaucracy and policies and procedures of a major corporation. Lets get all the claims and be on the same page to file one correctly. XXXX followed up and advised me that she could NOT provide me with any of my past claims, and that basically they dont have to tell me why my disputes were denied ( despite a letter saying they will? ). At some point in my back and forth with XXXX, she must have left the company because I no longer could get ahold of her via phone and her email address no longer works. On XX/XX/XXXX, I refile my disputes again with XXXX at PNC. Reference number XXXX for {$170.00} and reference number XXXX for {$270.00}. She also filed a Security Incident Report reference XXXX. This was the first time in my months of refiling, to hear about a Security Incident Report. XX/XX/XXXX, this dispute was also denied. I once again called PNC, and spoke with XXXX who advised me my claim was denied because within minutes of disputed charges you have non-disputed charges made. However, PNC will not tell me what charges within minutes of each other are the issues. This is why I can only assume the XXXX XXXX charge in the middle of the XXXX XXXX is causing the issue. On XX/XX/XXXX, I refile the disputes with XXXX. Im adamant trying to verify that there should be 14 charges that total {$620.00}. XXXX was having an issue filing the disputes and instead of filing 2 disputes ( one with 9 transactions, one with 5 ) ; he had to file 14 individual disputes with reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I received a call from XXXX in Executive Client Relations on XX/XX/XXXX. She said she would be my advocate and try to help. I went through my whole story again with her. I understand why some of these earlier disputes were denied. But I feel like PNC is making errors in re-filing. And I also feel like no-one at PNC is able to help me file this dispute correctly. Seriously, look at my account and account history. Does it make sense after ten years, for me to just one day decide that Im going to try and scam PNC out of {$500.00}? Again, I was out of town with transactions that support that. At this point she could see that my recent 14 disputes from XX/XX/XXXX were denied and said she would look into my case. She did tell me she would be out of the office the following week for a few days for the holidays. I advised I understand, Im not in a huge rush, I just really would like her to thoroughly review and try to figure out what we need to do. We played phone tag through the holidays and spoke on XX/XX/XXXX. XXXX said she spoke with a manager in disputes and assured me that these were all correctly denied. Im being told my transactions are denied because my card was present on me and that there are disputed and undisputed transactions within minutes of each other. However, PNC will not tell me which transactions are within minutes of each other so that I could explain. I have a hard time believing that a fraud and dispute department doesnt understand the concept of a skimmed card, that I physically had my card and yes, someone else was also able to scam and use the card at the same time. On the same token, I used to get automated phone calls from PNC when it thought there was suspicious activity. I would think that PNC can look at my account deposits, balances and history and have the common sense to acknowledge that Im just an average customer, Im not some elaborate fraudster out to scam the system and PNC. XXXX basically told me PNCs company policy is they cant go into specific information on the disputes. I understand that there is a lot of fraud and scams out there. XXXX said that we would need to refile again. I advised her I was driving and did not have my bank statements with me and would be out of town for a few days. We scheduled a call for Thursday, XX/XX/XXXX at XXXX. I did not hear from XXXX this day as planned. I left a message for XXXX Monday, XX/XX/XXXX. PNC 's dispute process is unfair and deceptive. The consumer either has to attempt to file a claim on their own or is bound to file via a PNC rep over the phone. In my five months of refiling claims, PNC will not provide me with a copy of my claim, so there is no way for me to verify the claim is being submitted correctly. I understand why PNC may need to be intentionally vague on dispute processes ; however, their dispute process/policies are borderline deceptive. Almost every single time I called to inquire about a denial, the rep fumbled around reading notes and would comment to the effect of " I'm not really sure '' or I was told " there is no code. '' Standard operating procedure is deny, refile, deny, refile, deny..Not one person I've talked to has been able to help me more than offer to " re-file '', this includes the Executive Client Relations rep. How is this process not totally deceptive and abusive to the consumer? Furthermore, it seems to me that PNC is also trying to get out of dispute claims on technicalities. My 14 disputes were lastly filed individually. PNC could have easily approved and denied which individual transactions it wanted to pay. | ||||||
| 02/18/2020 | Yes |
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Web | Older American, Servicemember |
| To Whom It May Concern : My name is XXXX XXXX, and I am the owner of a XXXX XXXX XXXX, VIN : XXXX ( the Vehicle ), purchased on XX/XX/XXXX ( the Purchase Date ). The Vehicle was purchased from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ). This letter is written for the purpose of describing to you my negative experience with XXXX and the XXXX brand. To purchase the Vehicle, I worked with the XXXX XXXX XXXX department ( XXXX ). At the time I purchased the Vehicle, XXXX had an ongoing offer for UX XXXX models in which a purchaser, with approved credit, would receive a 0.00 % APR ( the Offer ) for new vehicles financed through XXXX XXXX XXXX ( XXXX ). The Offer was set to expire on XX/XX/XXXX. Please note that I have an extremely high credit score and minimal outstanding debt. If any special offers based on credit exist, I am highly likely to qualify for them. The Extremely High APR Nonetheless, to my detriment, I was NEVER informed of the Offer. Instead, I received another offer involving a relatively unfavorable interest rate. XXXX offered me a 4.99 % APR with PNC Bank to cover the balance of my loan, and I purchased the Vehicle using the loan from PNC Bank. In addition, as a down payment, I traded in a completely unencumbered 3-year-old vehicle. At the time of financing, XXXX stated that the 4.99 % APR is the best that they can do for me. Immediately, I informed XXXX that I had a credit score of over 830, and that I wanted to use another bank. To my dismay and disappointment, XXXXs reply was that XXXX does business with ONLY PNC bank. To begin, this is not a sound business practice, as car dealers should never limit themselves and their customers to only one financing option. The customer is always at a disadvantage in these circumstances due to the lack of competition from other banks. Second, in this and similar circumstances, dealerships are promoting schemes which allow the subject bank to monopolize the dealerships customer market base. Third ( and most importantly ), I was previously familiar with XXXX XXXX, as several relatives have used their services. I was aware that XXXX does business with ALL XXXX dealers. Thus, I knew that XXXX was not fully disclosing to me all of my options. This immediately caused me to lose trust in XXXX, XXXX, and the all related entities promoting the XXXX brand. When XXXX informed me that they work with only PNC Bank, I requested to use my own bank. XXXX immediately replied that I WOULD LOSE the {$2000.00} rebate which had been allowed when I purchased the Vehicle. The story gets better. Since I trade cars every 3 years, and since my cars are paid off in 3 years, I had a fair amount of equity in the vehicle used as a down payment. Despite this, XXXX zealously attempted to convince me to take a lease on the Vehicle, a transaction which would leave me with no benefit at the end of the contract. I tried to explain this to XXXX, but the representative continued to attempt to convince me that it would be more beneficial for me ( ridiculous ). 2 of 12 Thus, XXXX continued to provide me with an increasing number of false statements and at that point, they were coupled with a completely self-serving attitude. The Coercion I made it clear to XXXX that a lease was not an option for me, but XXXX still pushed the issue. In addition, by XXXX threatening to disallow the {$2000.00} rebate if I did not accept the 4.99 % rate, I was coerced to take the 4.99 % APR offer from PNC bank. AT NO TIME was the 0.00 % APR mentioned to me by XXXX. I discover the rate when I returned home. Again, the rate was never offered or mentioned to me at any time during the prior negotiations of the Vehicle purchase. In addition, I researched the PNC Bank APR for new car loans ( see PNC attached. file table caption ) for XX/XX/XXXX. Nowhere on the table is there a 4.99 % APR. The closest is a 4.64 % APR for XX/XX/XXXX-XX/XX/XXXX used car models. For newer vehicles, the highest rate was 3.84 % for XX/XX/XXXX-XX/XX/XXXX models. The 4.99 % offer I received was 1.15 % ( 4.99 % -3.84 % =1.15 % ) greater than the rates PNC bank was actually offering on the Purchase Date. How much higher of an APR does the FTC allow a dealer to go over the rate provided by the lender? I might be wrong, but I believe the allowed overage is only 1 %. The Deceptive Trade Practices XXXXs conduct in which it failed to disclose to me my options falls under Ga Code 10-1-372 of the Uniform Deceptive Trade Practices Act.1 This rule applies in the following situations : ( a ) A person engages in a deceptive trade practice when, in the course of his business, vocation or occupation, he : ( 3 ) Causes likelihood of confusion or of misunderstandings as to affiliation, connection, or association with or certification by another ; ( 9 ) Advertises goods or services with intent not to sell them as advertised ; ( 10 ) Advertises goods or services with intent not to supply reasonably expectable public demand ; ( 12 ) Engages in any other conduct which similarly creates a likelihood of confusion or of misunderstanding.2 It is clear to me that XXXXs trade practices were deceptive. They created confusion concerning the option to use the services of XXXX when they failed to disclose to me my ability to use XXXX services, and receive the benefit of the 0.00 % rate. Further, the XXXX advertised rate not offered to me indicates that XXXX did not intend to sell the services as advertised, and did not intend to supply the offer to a reasonably expected public demand. Lastly, XXXXs sole 4.99 % offer and statement that they only worked with PNC bank and that the 4.99 % is the best they can do, when they clearly had the ability to offer me the deal with XXXX, created a misunderstanding concerning all options available to me. Thus, XXXXs behavior clearly falls well in line with the rules describing deceptive trade practices in Georgia. 1 GA Code 10-1-372 When trade practices are deceptive, Uniform Deceptive Trade Practices Act. 2 I.d . 3 of 12 The Loan Transfer As a result, TWO days subsequent to the Purchase Date, I transferred the PNC bank loan to my bank, immediately receiving an offer of a much more favorable 2.58 % APR. To be honest, I felt as if I had been robbed by XXXX and disrespected. Communications with XXXX Customer Service Due to my increasing level of discontentment and dissatisfaction with XXXX, XXXX, and XXXX, on XX/XX/XXXX, I emailed XXXX XXXX ( XXXX ), the General Manager of XXXX. I described my experience with XXXX, but I did not receive an immediate response from him. Subsequently, I twice contacted " XXXX XXXX XXXX '' ( XXXX ) ( reference number XXXX. ), informing them of the unfair financial practices of XXXX. The first time that I notified XXXX, I received a response from XXXX XXXX, Customer Relations Manager at XXXX, XXXX. However, she did not contact me directly. Instead, she responded to my review of XXXX on XXXX. This is not a professional way of contacting an unsatisfied customer, who recently spent tens of thousands of dollars on a product and due to the negative treatment received, provided the company with a negative public review. I believe that an answer to the review is warranted only after the matter has been settled. This behavior indicated a lack of concern on the matter from XXXX and XXXX, and a lack of respect for the client. The attitude was that of we do not care ; we already have your money. Below is the link to my review, together with Ms. XXXX reply. https : XXXX, XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX After I initiated first email contact, her reply is also included in this letter. Observe the dismissive tone with which her response begins. This exemplifies the attitude of an individual who has not given any importance to a subject as delicate as the one at hand. The worst part of it is that her very job is to promote positive customer relationships. Further, Ms. XXXX email response simply focused on the view that I had elected the {$2000.00} rebate over the 0.00 % APR. This is false. When you elect, it is because you were given the opportunity to choose. How is it possible that I elected something if I was never given the opportunity to choose, or even informed of the 0.00 % rate? More lies, more lack of respect. The email mocks my situation when she states that : We would have been happy to switch you over to the promotional APR percentage, add the {$2000.00}. To me this sounds like the attitude of a dishonest, shady business. This also indicates an ongoing lack of respect concerning my case. I was never given the choice ; I was told at XXXX : sign here to get your {$2000.00} promotional rebate. I was never informed about the 0.00 % APR. An hour later, after the second time XXXX followed up ( reference number XXXX ), Mr. XXXX contacted me. The response from him came only 11 days ago, while he was at the airport headed out for business travel. He called simply to inform me that he was going to contact me upon his return. Since I am still awaiting his call, he must still be on his business trip. More lack of respect, more lies. This was my first experience with the XXXX brand. The treatment I received consisted of the following : constant lack of respect, deceptive business practices, and lack of fair credit practices. I am fairly certain this business practices will not score well with the FTC. The Discrimination Perhaps I received this treatment because I am a 63-year-old XXXX. Perhaps XXXX tries to take advantage of minorities and seniors, or perhaps XXXX is simply a shady place to do financial businesses, business which is tied to the XXXX name. To say the least, my first experience with XXXX has not been very satisfying. I researched past reviews of XXXX and discovered that in the XXXX area, the dealership at the time had only 2 stars. Most of the reviews are negative because others have also felt that the XXXX business is conducted in a deceptive manner. ( XXXX XXXX XXXX ). This is a bad sign for XXXX. I am sure that this is not the case with all XXXX dealers, but this was my first XXXX experience, and I have never been treated like this in a dealership. It definitely gave me a detrimentally negative perception of XXXX and its services, and it made me apprehensive to go to any other XXXX dealer, even for the required maintenance on the Vehicle. Summary of the Facts When I signed the finance papers, I was told by XXXX " sign here to get the {$2000.00} rebate on the Vehicle ''. There was NO MENTION OF THE 0.00 % APR. NO CHOICE. Also, the high 4.99 % APR with PNC bank was obtained through deceptive business practices and untruthful statements, THE BEST APR XXXX CAN GIVE ME, in spite of my credit score being over 830 at the time of purchase. Further, XXXX used the {$2000.00} rebate with the Vehicle as LEVERAGE to coerce me into taking the unfair 4.99 % APR, when PNC bank was not offering an APR anywhere near that rate on the Purchase Date ( again see last page ). Lastly, XXXX knew that I was going to transfer the loan, so I was told do not transfer the loan for 2 weeks, a request which I disregarded, as they had already lost my trust. MY REQUESTS OFFERED 1. AT THE TIME OF NEGOTIATING THE PRICE OF THE VEHICLE, SINCE I WAS NEVER ALLOWED THE OPPORTUNITY TO SELECT THE 0.00 % APR, I AM REQUESTING THAT XXXX TRANSFER THE BALANCE OF MY NEW LOAN FROM MY CREDIT UNION TO XXXX XXXX XXXX, USING THE 0.00 % APR WHICH WAS APPLICABLE TO THE VEHICLE AT THE TIME OF PURSHASE UNTIL XX/XX/XXXX ; 2. IN ADDITION,, SINCE MS XXXX AND MR XXXX BROUGHT IT UP AND IT IS THEIR MAIN CONCERN IN THE CASE, I WANT, THE {$2000.00} REBATE TO REMAIN APPLICABLE. 3. It is worth mentioning, as I told Mr. XXXX over the phone, ( before he interrupted me to ask me if I was pretending to get the 0 % APR AND THE {$2000.00}? ), all I originally wanted from XXXX was a SINCERE APOLOGY. But Mr. XXXX and Ms. XXXX kept asking if it was my intention was to receive both the 0.00 % APR and the {$2000.00} rebate. To be honest, it never cross my mind until it they started asking me. As I told Mr. XXXX over the phone, I simply wanted an apology. I have since changed my mind, due to the fact that it appears as if a minimal amount of money is more important to XXXX than high customer relationship standards. Therefore, the answer is YES. I want both the 0.00 % APR, as well as the {$2000.00} rebate. Also, I would like to bring to your attention the unfair treatment I received when they coerced me into taking a high interest new loan, and treated me like an ignorant XXXX either due to I am XXXX and senior. I am a XXXX veteran, and I retired from the XXXX XXXX XXXX after 30 years experience as a XXXX XXXX. I testified over XXXX times in XXXX, XXXX, and XXXX courts in the United States and throughout the world. I have never been impeached for being untruthful in a court of law, OR FOR ANY REASON. Your integrity is all that you have in the XXXX Business. I believe that the 0.00 % APR, together with the {$2000.00} incentive, are a small price to pay for the unfair credit treatment received from XXXX XXXX. XXXX and XXXX might attempt to say that they did not do anything wrong, as Mr. XXXX told me over the phone while defending XXXX practices, but I am a person who believes in actions, not words. Their actions ( and overwhelming financial evidence ) shows otherwise. PNC bank and XXXX were notified of this event, and provided with copies of this event. PNC bank also had my explanation of why I dropped their 4.99 % APR for a 2.58 % APR loan two days later after my loan was approved with PNC bank. Also PNC bank was made aware that XXXX knew about the fact that their loan was going to be transferred and XXXX tried to make me wait two weeks before attempting to transfer the loan, which for distrust, I did not do. Thank you for your time. My personal information is below. Hoping to hear from you in the near future. I wonder how many minorities and seniors have been treated this way by this dealer? I think it will be in XXXX best interest to find this out. | ||||||
| 11/12/2021 | Yes |
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Web | |
| I have previously tried to address and deal with PNC Bank, in CFPB complaint # XXXX, but PNC BANK knowingly and willing still commits fraud against me and I am sure many other consumers and I am requiring assistance from the Consumer Financial Protection Bureau XXXX In response to my initial claim, PNC, BANK sent Exhibit ( 1 ) to the CFPB, which they referred to as Retail Installment Sale Contract ( the Note ), in Paragraph 5. Pursuant to UCC 3-104 Negotiable Instrument ( e ) An instrument is a " note '' if it is a promise This contract is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I, XXXX XXXX, natural person and consumer has reason to believe and do so believe this instrument constitutes as payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. Based on the above, my contract and obligation was fully paid once I, XXXX XXXX, a natural person put my autograph on the Note on XX/XX/XXXX. PNC, BANK, states on Exhibit 1, page 2, paragraph 12, As no bank error has occurred, PNC respectfully declines your request for compensation in this matter Due to nonpayment, the Vehicle is as risk of repossession. PNC BANK, still continues to state I owe balance and threaten to repossess a vehicle, on a Note that was autographed on XX/XX/XXXX. Exhibit ( 1 ), page 1, paragraph 6, PNC BANK states : On page 1 of the Note, in the section titled No Cooling Off Period, it states that state law does not provide for a cooling off or cancellation period for this sale. PNC BANK, knowingly and willingly commits fraud on their own contract ; Exhibit ( 2 ), page 4, number 6, Applicable Law, Federal law and the law of the state of our address shown on page 1 of this contract apply to this contract. Pursuant to 15 USC 1635 Right of recession as to certain transactions ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Pursuant to 16 CFR 433.1 ( f ), was intended to be a written agreement with full willful disclosure as required in the Truth in Lending Act in order for I the affiant, to be able properly contemplate any concerted and or cooperative activity between I, and PNC, BANK. Upon discovery, I have reason to believe and do so believe I did not receive such disclosure. Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), I was never given full disclosure, notice of the right to rescind. Pursuant to 12 CFR 1026. 23, upon the right to rescind this transaction, I am no longer liable for any finance change. PNC BANK, must terminate any security interest, return any money or property, earnest money, down payment or otherwise past payments and because the property has been delivered and in my possession I have the right to retain possession of the property. In accordance with 12 CFR 1026.23 ( d ) Effects of recession, Paragraph 23 ( d ) ( 1 ) Termination of security interest. Any security interest giving rise to the right of rescission becomes void when the consumer exercises the right of rescission. The security interest is automatically negated regardless of its status and whether or not it was recorded or perfected. Under 1026.23 ( d ) ( 2 ), however, the creditor must take any a ction necessary to reflect the fact that the security interest no longer exists. Paragraph 23 ( d ) ( 2 ) Refunds to consumer. The consumer can not be required to pay any amount in the form of money or property either to the creditor or to a third party as part of the credit transaction. Any amounts of this nature already paid by the consumer must be refunded. Any amount includes finance charges already accrued, as well as other charges, such as broker fees, application and commitment fees, or fees for a title search or appraisal, whether paid to the creditor, paid directly to a third party, or passed on from the creditor to the third party. It is irrelevant that these amounts may not represent profit to the creditor. In the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under TILA. In addition, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau. That was completely disregarded by PNC BANK ; another effort of willingly and knowingly committing fraud by not telling me, XXXX XXXX, natural person, that I had the right to rescind. Due to the failure of PNC, Bank to disclose this required information, this right can be exercised three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later. Being that this contract was signed XX/XX/XXXX, I am within the allotted time frame. In accordance with 15 U.S. Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. PNC Bank needs to disclose full documentary evidence ( private and public ) on this instrument, and ; Pursuant to 12 use 1831n ( 2 ) ( A ) Uniform accounting principles consistent with GAAP Subject to the requirements of this chapter and any other provision of Federal law, the accounting principles applicable to reports or statements required to be filed with Federal banking agencies by all insured depository institutions shall be uniform and consistent with generally accepted accounting principles. Without the full audit trail, accounting and insurance, the alleged debt can not be validated. I, XXXX XXXX, natural person should be provided these documents for this instrument that I autographed in order to properly XXXX the alleged debt and hoe PNC, BANK has accounted for this transaction and derivatives of this transaction. Exhibit ( 2 ), page 1, section Notice NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER I, XXXX XXXX, natural person paid {$5000.00} ( XXXX XXXX dollars ), therefore the incorrect notice was on the contract. My note was to state notice ( b ), not notice ( a ). PNC, Bank did not meet the requirements as established in 16 CFR 433.2 ( b ). Pursuant to 16 CFR 433.2 ( b ) : Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Pursuant to 15 USC 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge is the sum of all charges. Interest, deliver service fees, loan fees, premium insurance to cover any defaults, broker fees, insurance for the vehicle and insurance to cover health, life, accident, and gap insurance, are all included in finance charge. The finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a down payment of cash involved. I, XXXX XXXX, natural person, paid XXXX XXXX dollars ( {$5000.00} ) cash and gave a XXXX XXXX XXXX XXXX with a trade in value of XXXX XXXX and XXXX XXXX ( {$30000.00} ) and a Dealer service fee of XXXX XXXX and XXXX XXXX dollars ( {$390.00} ) and has proof of this violation in Exhibit ( 2 ), page 2. Willing and knowingly told me I had to pay the above in order to obtain the car. When the instrument paid for this transaction in full. Exhibit ( 1 ), page 1, paragraph 8, PNC BANK, states : The section titled Insurance you must have on the vehicle states you agree to have physical damage insurance covering the loss of or damage to the vehicle for the term of this contract. Please refer to page XXXX of the Note. Pursuant to 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. Never was the insurance, that I was told I was required to have included in the finance charge. I had to pay separately. Pursuant to 12 USC 24 Corporate powers of associate Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. No where in this section does it state Banks can loan credit. Banks can only loan money on personal security. Exhibit ( 2 ) page 1, under section ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. Exhibit ( 2 ) page 1, under section FINANCE CHARGE The dollar amount the credit will cost you Exhibit ( 2 ) page 1, under section Amount Financed The amount of credit provided to you or on your behalf Exhibit ( 2 ) page 1, under section Total Sale Price The total cost of your purchase on credit, including your own down payment of PNC BANK, is fraudulent operations in a capacity they are not legally authorized to do. Pursuant to 15 U.S. Code 1601 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. PNC BANK, willingly and knowingly operates in a deceptive capacity on a daily basis. The response from PNC BANK shows they willingly agree to defraud consumers and stand by their fraudulent, misleading and deceptive documentation. As a consumer, the abuse that I have suffered financially and mentally is overwhelming. These practices are completely inaccurate and deceptive to consumers as we have trust in banking institutions. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights a Federally protected consumer on the abundance of fraud committed by PNC BANK. In addition, I will request that the original note be produced in court. | ||||||
| 04/06/2023 | Yes |
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Web | |
| PNC is a XXXX and Fraudulent Establishment that carries out Deceptive Practices internally with their participating dealerships. I am a XXXX XXXX who was kicked out of one of their branches in an attempt to make a payment on an Auto Loan. To this day the establishment has failed to address the incident. Upon Further Review Fraud at the Beginning of My Loan was discovered. My Credit application is in someone elses handwriting with signatures that dont belong to me. I have requested documents repeatedly and they recently responded to FL Dept of Agriculture to Say a Subpoena was needed in order to get access to the evidence. My Response and Continued Complaint are as Followed: I have reviewed the correspondence sent by PNC Bank and The Correspondence and have arrived at the following: PNC Bank: It has become clear to me that PNC refuses to Directly Correspond with me directly or DIRECTLY answer any of the concerns set forth in the complaint originally issued in XXXX XXXX PNC Continues to go around the issues and insists on withholding the documents and items requested. At this point the Institution is hiding and withholding all evidence that prove guilt in the matters of Discrimination and Fraudulent Practices which transpired between themselves and the Dealership as it pertains to my Loan. I believe at this point PNC Bank is holding enough evidence to prove the following: 1. The Handwriting on the Application for credit does not match the actual credit application I filled out or any of the documents that I have sent in that contain my handwriting (Money orders, letters etc.). I dont have to argue at all if that alone is taken to court or reviewed by a Financial Companies and Bank Regulating Authority. My Signature doesnt even match. 2. The Continues to Fail at Holding the Dealership Accountable which shows me that this was a Joint effort to insert the Fraudulent Occurrences which have occurred and now blatantly evident. 3. My Concerns from the VERY BEGINNING of my loan were never taken seriously. There has been no internal department to review such matters. Neither for Fraud nor Discrimination. I Furthermore dont even believe that PNC bank is in Possession of any of the items I requested being that most their employees were working from home with the turn of the pandemic. It has been said that a Subpoena is what they need in order to provide the items, then a Subpoena is what they shall receive. The Aforementioned Subpoena will come in addition to all necessary actions to address Discrimination, Fraud and Failure to Directly Correspond and Only Corresponding via complaint responses. 4. There have also been recent discrepancies that show me PNC Bank and XXXX XXXX Completed their own application and Fact of My Life and Status were never taken or considered from my actual and original consumer loan application. It doesnt take a Rocket Scientist to see that whats happening here is the silencing of Discrimination. If I were a bank and had a customer constantly calling to talk about an incident which made her feel uncomfortable and repeatedly told customer service representatives that she didnt want to be a customer of a XXXX organization. Id find a REAL way to reach out to her DIRECTLY and not send here XXXX Reps in Escalation who only continued to escalate the issue because there was no actual department that resolved Discrimination and XXXX Occurrences. I would even go as far as going to see her to make sure that her issue was resolved. I have been extremely kind about this situation in hopes that PNC Bank would take the initiative to remedy this issue without a Discrimination or Fraud Lawsuit. What you guys have done is refuse to hold yourself accountable for your own constructively deceptive, fraudulent and selfish reasons. The Problem with big establishments is they use manipulative tactics in hopes that the client simply Lets it go. I wont be letting this go. You are a XXXX establishment. The Ability for me to CONSTANTLY request the incident be reviewed, and lied to about it being escalated to a relevant department and NOTHING ever got done. Not even a letter of acknowledgement. In emails the reps who reached out in emails NEVER responded to me when I gave them times to contact me. This is an Establishment built on covering their asses. The Falsified letters you sent to CFPB that NEVER were sent to me prove that. The only correspondence I ever got from you are bills in the wrong name and even that was never corrected. Its crazy to claim I signed my correct name and viewed documents that had my actual name on there and you somehow end up with documents I allegedly signed with the wrong name. Come on now, thats a blatantly obvious sign something changed. Id never sign something with the wrong name or information I didnt agree to. Especially with someone elses handwriting. The responses covering the acts of fraud to negate the obvious actions only you could take in an attempt to pass the defective information is astounding. Miraculously my title paperwork says my correct name. Seems to me like somethings I actually completed made it to the appropriate place. My Registration didnt have the wrong name. That alone shows the paperwork submitted to the bank was swapped. This is far from rocket science. Even if my name was spelled incorrectly in Error, a handwritten application in another persons handwriting and signature isnt an error. You wouldnt have a car at my door if I didnt complete an actual credit application that wasnt qualified. Count the time it took to sell me the car. Less than 3 hours. So I know that my application was highly approved but there were add ons. Whats on the quote doesnt match what went on the contract. Dont waste my time with lies. The Problem is this bank and Dealership think XXXX folks are XXXX and have all the sense. I know exactly what made you guys THINK you could do this foolishness. XXXX XXXX XXXX XXXX NOT AN XXXX The Dealership clearly XXXX my application up (Which is Blatant Fraud) and even named me XXXX vs. XXXX There are so many cause for concerns with the Sale, Transaction and Loan at this point that maybe a Lawsuit to Subpoena the records may be the best route to remedy the ISSUES between us. Who in their right mind wants to be a customer of an establishment that kicked her out because she was too XXXX to be one of your XXXX XXXX XXXX XXXX customers? Cant even get a Proper discrimination complaint submitted. I lived 5 Minutes away from the Branch. Maybe PNC Bank or XXXX XXXX and All affiliated Companies shouldnt be operating businesses in the state of FLORIDA as Florida has laws and statutes which do not support racism or discrimination in any way shape or form. The Comptroller of Currency, Federal Reserve, Human Rights, EEOC and Many other Regulating Authorities make this clear. You have the AUDACITY to write to me to even utilize the Verbiage Attempt to collect a Debt. I hope my correspondences from the day this incident occurred (Which Im sure you have tracked down and deleted from your records) has made it clear I have the right to pursue damages, emotional distress along with the pain and suffering Which resulted from the incident. I made that clear with my attempts to get out of the loan without penalty (This was me being fair). Even when the opportunity was on the table to agree Id made the catch up payment and simply provide the dealership with the exact payoff amount given the ability I had at the time to Trade the vehicle in. XXXX XXXX made sure I remained entrapped in the loan and continued to repeat I was in default and in repo status causing me to have an occurrence of sensory overload since I already suffer from. I have requested the records, recordings and surveillance to advocate for myself and PNC bank has gone against that by repeatedly Claiming Those records cannot be produced without Subpoena meaning that the Establishment is Challenging the Consumer to Pursue a Lawsuit vs. Remedy the issue independently. I sent my initial complaint in XXXX We are now in XXXX NONE OF WHAT I REQUESTED HAS BEEN PROVIDED. Yet what YOU HAVE DONE, is CONFIRMED my initial speculations that there was something done on the back end with this loan which caused the price to increase and my name to change. I also SUSPECT That you illegally misused government awarded money issued during the pandemic based on the paperwork which you have sent to me. I have NEVER received the vast majority of those letters and there wasnt any assistance given to me by FEMA. Its Strange to see how you have your letters NAMED. Because youd think that your establishment provided REPEATED assistance to me. I had 3 ongoing hardships. 1 Losing my Business Consulting Contracts During the Pandemic. A Health-Related Hardship and A Natural Disaster Displacement. The last resulted in a Family Member Passing away due to the flooding. Where I was required to pitch in and aid with Funeral Accommodations. Despite losing my Home and a Family Member I was never approved nor denied. You guys NEVER Sent me Direct Correspondence and I have the USPS service Informed Delivery Which can be utilized to back that statement up. I never even got a welcome packet and full terms or disclosures with my loan. The Most tactless Financial Transaction I have partaken in throughout my entire adulthood. NOTHING is ever documented or in writing. One of my biggest issues with this institution. The Representative Responding to this Complaint reached out to me Via email and I emailed her back. NEVER did she respond to me. This Company knows EXACTLY what they are doing. The whole company is a FRAUD. What are they really doing? Their Issues are not ERRORS its internal FRAUD as they benefit from IT ALL. You (PNC) threw me out your branch discriminating against me after committing fraud with the XXXX XXXX Auto Dealership Inflating my loan with products I did not consent to along with misrepresentation of my vehicles warranty in order to push the deceptive practice of adding a non-factory warranty. I still have the window sticker which says I could inquire about an outside warranty WHICH I DIDNT DMV records will show you I was already an XXXX Owner and Familiar with the Warranty being 5 years on all XXXX (Which the Dealer Failed to Disclose and The Bank Failed to Review, That within itself is a misrepresentation) so I wouldnt need a 3rd party non factory warranty that wouldnt out live the manufacturers warranty. This is something you agreed to check for on all Auto Sales Transactions in order to service auto loans in Florida and Failed to Investigate even after I told you something had changed on my loan when I made the first payment. This Bank is Clearly FULLY AWARE of all that they have done. What was the reason to NOT respond to that but jump around to respond to every regulating authority to Appear as though you have a standing position or a good position of prior correspondence with me. Your Establishment is a XXXX Organization whose ethics are flooded and stained with Fraudulent and Unethical Practices and Business Affiliates. I Stand on Everything I Said, and I am STILL REQUESTING ALL ITEMS Previously requested. Since the ONLY WAY to Acquire Said Documents is through a Subpoena, Supply where I should have it served along with any and all correspondence for your legal departments. I am going to deem this scenario as the Following: 1. Breach of Contract 2. Fraudulent Credit Application(s) 3. Discrimination in a Public Place of Service 4. False Documentation of Pandemic and Natural Disaster 5. Refusing to Correspond Directly 6. Refusing to Furnish Requested Documents and Items 7. Maliciously Manipulating and Altering Credit History based on Failure to Keep Legitimate Records I will summons each in the appropriate regulating authorities, commissions, local governing counties PNC and XXXX XXXX Do Business, Any Relevant Media Outlets and All Relevant Court(s). You clearly dont seem to understand when a person doesnt want to be a part of a XXXX consumer and financial company relationship. I am not and wont be willing to mediate anything with your establishment outside of the courts with the outcome of a Jury Trial from this point forward. You guys understood what was being asked of you and I will not allow you to go around the issues any more. Due to Failure to Provide Accurate Resolutions, I am requesting Cease and Desist on all Telephonic and Electric Correspondence and am requesting all correspondence in Writing to submit for Review for Future Court Proceedings as it has been shown all correspondence electronic and telephonic are potentially being hidden or destroyed to protect PNC Bank. Im 1000% sure there were numerous employees that escalated the issue but we can all do things Your Way. The Last thing Im going to do is argue with a Financial Institution that has a completely different credit application not in my handwriting with documents I didnt even sign. The Evidence speaks for itself. You can either START telling the truth NOW or it can be brought forth in court with Subpoena and analyzation of actions and documents providing evidence. A Subpoena is needed to prove you discriminated against me? By Default you should review that and do your due diligence as well as make sure I am apologized to a remedied. NOT IGNORE ME and SABOTAGE MY Credit. You're out to paint me to look bad when the government, states and local laws go against discrimination and XXXX acts against consumers. You're simply covering your A_____ and trying to smear my name and account history to do what "Silence me"? YOURE A XXXX ORGANIZATION who sabotages and manipulates people of XXXX and dont deserve to be in business ANYWHERE. | ||||||
| 05/11/2017 | Yes |
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Web | Older American |
| Consumer Financial Protection Bureau XXXX XXXX , XXXX Page XXXX of XXXX Re : Complaint on Actions of PNC Bank Failure to provide Response as Committed This complaint relates to the unprofessional conduct on the part of PNC Bank representatives, actions against my family unrelated to any pers onal dispute I have had, failure to provide timely, accurate information, and for a lack of factual information. There was a previous complaint # XXXX , which did not include items covered here. Comments on the lette r ( not sent to me ) but to the CFPB by XXXX XXXX XXXX are included. Additional reference documents are also included with this complaint. PNC B ank has not provided common information requested, assistance through channels they directed me and my family to, has posed risks to my, my wifes and our family accounts including SS and insurance. Through failure to properly allow me to make deposits, use my checking, and investment accounts, credit risks were posed. For many months ending with PNC Banks closure of several accounts, I, and my wife had not been able to obtain committed advice, or direction from PNC Bank representatives as required in their agreements for these accounts. Clo sures were well from 12 to 30 days, as there were holidays and weekends involved, ( se e attached ) below any reasonable number expected for major account funds transfers. Even the closure notices are inconsistent. The note from XXXX XXXX , dated XXXX XXXX ( received on or about XXXX XXXX gives notice of account XXXX closure by XXXX XXXX . This is less than 12 days. This first notice was shortly after PNC representatives would not provide assistance. This is retaliatory, noting else. Is this proper or fair treatment? Commitments by designated PNC B ank contact, XXXX XXXX , after the CFPB complaint have not been completed and summary statements posed b y PNC to C FPB and others are absolutely false and defamatory. Related to XXXX , the PNC Branch manager, aggre ssive behavior was shown by him, on XXXX XXXX , XXXX . Details are included below and in an attachment. The forgery of documents claims are founded, counter to XXXX XXXX statement. I will make myself available at any time to undergo handwriting analysis to compare my known signature to those poste d. One ob vious example is attached. When XXXX XXXX , the investment advisor involved, was originally approached of the forgeries, he noted that the signatures must have been done by someone at the corporate level. He fully agreed they were not mine. Comment was made by me that forgery is a bad habit-no matter who did it. When a representati ve of PNC Bank itself has agreed, this hardly matches XXXX XXXX unfounded comment on forgery. Direct testimony by XXXX XXXX should have been enough to convinc e PNC tha t something major was wrong. Statements otherwise now by XXXX XXXX or any others are completely false and do not match the real documents. Failure to Assist and Provide Information on Special Loan Offer The letter from XXXX XXXX states that the accounts were closed because of consistent and repeated instances of aggressive behavior at the XXXX XXXX . Branch. This is totally and absolutely false. I have never had any confrontation with any regula r PNC bankin g representative. On or about XXXX XXXX , XXXX , nearly a year ago, I had requested directly from the available local branch PNC Investment Representative copies of ALL signed documents in PNC files for myself and my wife. The request was made due to an ongoing issue related to forgery of documents by PNC. A copy of one forged item is attached. The document copies were to include all in PNC files. She agreed, with no questions, with an expectati on within a few days. A reference is in the attached XXXX XXXX , XXXX note to XXXX XXXX . Some investment documents including forgeries were provided. Many others were not. This failure showed an unacceptable lack of respect and common banking courtesy. Multiple accounts were open at that time, with many signature documents available in PNC records. Since an issue related to a forgery by PNC had already gone on for an extended time, I was rightly disappointed. A request for a follow up call from XXXX , the bank manager was not completed. This matched a previous pattern from PNC. There has been no refusal by me for assistance. None has been offered. Through the year, I continued to regularly visit the same near by PNC branc h location for checking, credit card, savings, and other banking/investment needs. At all times, the regular staff treated me professionally and courteously. I extended the same respect. To state there were repeated instances is a fabrication. On nearly all visits, a bag of candy id given to tellers or representatives. There have been no other instances related to my personal conduct. This does not match XXXX XXXX statements. Further, the sentence that I refused in any way to allow PNCI representatives help me with investment account is also completely false. My repeated requests have been ignored. An offer was made by me to travel to any other location, including XXXX or XXXX to obtain advice ( see XXXX visit report ). Follow up requests were completely ignored. I challenge anyone to prove otherwise. Comments on the pending XXXX complaint and any investment issue were completely avoided. Through the actual closures, regular banking transactions continued. On XXXX XXXX , XXXX the statement by XXXX was that no one was to speak to me. Please read the attached summary of the XXXX XXXX visits. The only thing which has been consistent is the failure of PNC and its top banking representatives to complete its commitments or assist. Other accounts remain open. A complaint on forgery to the Alabama Securities Commission ( ASC ) co ntinues on Page XXXX of XXXX its own. The note from XXXX XXXX dated XXXX XXXX has her phone number for contact Phone and e-mail requests to speak or answer questions have been completely ignored. Record of one such attempt is attached. Is this fairly and equally? Unprofessional Conduct b y PNC Bank Branch Manager On XXXX XXXX , XXXX , I entered th e PNC Ba nk branch in XXXX , Alabama to receive account information, and secure funds, as my work had been reduced. Many accounts were open. I had done business at that location for over 29 ye ars ( own ership has changed ). Regular statements referred me to XXXX XXXX for advice. XXXX XXXX had been involved with the complaint to the ASC Commission. Co ntacting him was not allowed per earlier written notice from PNC b ank. Calls to the other recommended representatives were not answered. The investment call center was then contacted. The need for advice and this situation were explained. They recommended I visit the local branch and contact other investment advisors. This left me and my family in a quandary. Per this direction, a visit was made to the local branch. The notes o n 3 visits extending from XXXX XXXX , XXXX are attached. In summary, follow up on the fir st two vis its was not completed. My requests were ignored. On the third attempt, XXXX , the ban k manager refused to assist, offered no other direction, noted that no one at PNC was to speak to me, made other unrelated negative comments and asked me to leave his office. This conduct by PNC was unprofessional and provocative. None of t his matches a note from XXXX XXXX XXXX on any actions by me. Statements to agencies by PNC have not mentioned this incident, or the insult it posed to me and my family. As no assistance was going to be provided, other banking decisions were made outside of PNC. This incident, and previous conduct by PNC does not match a banking institution which states help was offered but was not accepted. Throughout, I have remained patient, and abiding. PNC Bank then chose to punitively close my and my wifes chec king account, savings and investment accounts. Repeated Attempts to Information and Answers to Inquiries On numerous occasions, before the actual closures, I attempted to secure in an y PNC directed way provided, additional information from PNC Bank. The only answers given from the DRU/Positive Balance Account Closure number ( XXXX ) were ( in so many words ) : You have a right to close an account at any time you want, and we can too. Such comments should never be tolerated. As I had and retain a credit card thro ugh PNC Bank, I have continued my regular at branch in bank payments of this balance. During none of those visits, nor during visits for an organization for which I am treasurer or for other needs were there any negative comments by any PNC staff. There was always a welcoming, atmosphere by tellers and assistants. This never changed. Only my, and my wifes checking account and some others were closed. These closures were selective, were unwarranted, were attempts by PNC to be punitive and were made to cause as much disruption as PNC felt it coul d to my regular banking activities. Formal Offer of a Reduced Rate Loan after Closure Notices-Lack of Response On XXXX XXXX , XXXX , after all account closure notices, but before final closures on XXXX XXXX , a personal mail offer was received by me to obtain a low interest home loan, as a part of a pre-selected offer. A much lower rate would be required if automatic payment was made from checking. XXXX XXXX XXXX , my designated CFPB Complaint contact, was informed by phone and by e-mail. XXXX agreed to provide information and advice with recommended actions, including possibly opening a new checking account, or receiving an extension to the timetable, to take advantage of the offer. The date for the end of the offer, XXXX XXXX , XXXX , was well after actual checking account closure. A copy of the loan offer and my requests for information are attached. Answers were never provided. If PNC h ad any concern about me, as noted in the response to CFPB complaint # XXXX or had any issues whatsoever, why was this special pre-selected offer made? Shou ld PNC possibly comment now that this was by another group is totally ignorant of documented fact. Commitments for common courtesy responses, when proper recommended channels have been followed should have been completed. Most would agree it appears PNC had continued a selective, one sided punitive effort toward me, my wife, and my family. This, by any reason is directly linked to the ASC complaint. All related PNC actions toward me an d my family are unprofessional, unethical, and unacceptable according to regular banking practices. Summary Due to the fact tha t PNC had not made any attempt to assist me or my wife with my banking requests, had noted that it was up to us to move forward on my own, that preferred checking account linked loan offers were made but not allowed, that simple courtesies were not fulfilled, and for other documented reasons, I find an additional CFPB complaint against PNC conduct to be necessary. Response to Page XXXX of XXXX any previous CFPB complaints by PNC are in correct. In a conversation with XXXX XXXX , after her review of the XXXX furnished pages of documents to her, she stated every attempt would be made to be fair to me, to provide me directly with all response information, to retain accounts if at all possible, and to complete an open and balanced investigation. XXXX XXXX completely understood and agreed with my frustration. She noted that behavior of the branc h manager I d escribed was unacceptable. XXXX XXXX noted that on first review there appeared to be a discrepancy in the ( forged ) si gnatures. On this we totally agreed. She also inferred that based on her investigation, the accounts should be reopened, and she would recommend this. This is not the directio n PNC chose. Her letter statements are XXXX degrees from this. No questions were ever raised or comments made on any personal negative behavior, including a singular XXXX XXXX visit when PNC failed to furnish expected documents. I noted earlier how I had and continue to show personal courtesies to the tellers. For many years, this has created and continues a very positive relationship with no issues. The decisions against me, toward my wife and my family may have been made at a higher bank management level. A complaint to the ASC on forgery was only as a last resort, and was related to long going lack of answers from PNC. Retaliatory actions, closing accounts with very short notice, and false statements to the CFPB require counter comment. Linkag e of ASC Complaint to Closure of Accounts PNC has not fulfilled its promises and has acted in an unfair way to cause harm to me, my wife, and my family. The closures and complaint on forgery appear linked. Just because a bank can do something it feels will be punitive does not justify it. PNC has been intentionally vindictive. Statements to the CFPB are false or full misrepresentations. Federal Banking Agencies, the State of Alabama, the public, inve stors, and account holders have commitments b y PNC, as a public trust not to perform in this way. My family and I hope further investigation, and review of the attached documents by the ASC, PNC and the CFPB determines answers. To date, none have been provided. Reference docume nts are included with this complaint. Thank you on behalf of the individual banker and investor. Respectfully, XXXX XXXX , | ||||||
| 04/27/2022 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX. PNC XXXX XXXX. XXXX, PA XXXX Re : Notice of Official Complaint Discriminatory Banking Business Practices ( Account # XXXX ) Dear XXXX XXXX, It is with great regret that I am compelled to write you today, however, I felt it necessary to notify you of a systemic issue within your management hierarchy at PNC Bank in which requires your immediate attention. My name is XXXX XXXX XXXX, XXXX I am the CEO of two companies XXXX XXXX XXXX, XXXX and Facilitating Outstanding Capabilities Utilizing Small Businesses ( FOCUS, LLC ). Both of my business and all of my personal accounts are held at PNC. I have been a client of yours since XXXX after leaving XXXX XXXXk. Sir, Before I begin, I want to give you some context and background on myself I am a Veteran of the Country and fmr. Captain in the United States XXXX XXXX. As you can imagine, I have served, lead, and been responsible for people of diverse backgrounds and from all walks of life. After 37 years on this earth, I have never experienced a more unprofessional, foul and discriminatory treatment of a person in my entire life. On or about XXXX hours on XXXX XX/XX/XXXX, I arrived at your XXXX PNC Bank XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX. I drove into the drive-through teller and asked the agent for a deposit slip. Like many other engagements with PNC, the agent complied with my request. I then completed my deposit slip I had signed the back of a XXXX XXXX Issued Cashiers check in the amount of {$39000.00} and wrote on the back For Deposit Only. The check was dated XX/XX/XXXX and I remitted the check back through the tube to the agent for processing. What seemingly was a normal routine. Over the last several years, I have deposited checks from various banks, clients, and vendors without an issue. Once I remitted for processing, XXXX XXXX XXXX ( Branch Manager ), over the teller loud speaker, stated, We cant take this check, its over a year old. I replied to her, Maam its a cashiers check and I just left XXXX XXXX, they stated it is still able to be presented to PNC for negotiation, and you may call to verify it, I have the purchase receipt and verification number, would you like it? She then replied, I cant take anything from you, I have my own number. At that time, she went to the back, left me in the teller drive up window for over 20 minutes, I buzzed the teller window on three occasions. I had the XXXX XXXX Representative on the phone and offered the other agent ( a male unsure of his name ) that I could come in and they could speak with XXXX XXXX. He stated, I will go and tell them, as they went to the back with the check. After another 8 minutes, I buzzed the window, and told the agent, that I would either go to another branch or have the check reissued. Another 5 minutes went by, in which XXXX XXXX returned, You are going to need to have this reissued, as I am not able to cash this check. You have a history of having items returned on your account. Shocked I sat in my vehicle as she had publicly aired my business to others in the teller line and in the branch. I did not respond to her, and then she asked, Did you hear me, you will need to get a new check. I then asked her if she could put the Branch Managers card in the envelope and return my ID and Check, she then stated, I am the Manager. After leaving PNC, I immediately called your corporate relations office and filed an official complaint understanding the gravity of the issue, the branch attempted to call me two times while on the phone with PNC corporate relations. The agent was a female by the name of XXXX she asked, Hello, were you the one who attempted to cash a check a few minutes ago? I stated, My name is XXXX XXXX, who are you? She then identified herself as XXXX and said, If you get the check reissued I can cash it for you. On the call, I notified, XXXX that I had spoken to PNC Corporate and that I would be filing an official complaint with PNC, the FDIC, and States Attorney Generals office. Citing Unfair and Discriminatory Business Practices. XXXX XXXX, I was born and raised in XXXX, Alabama ; while America has made great strides to close division, it is still prevalent today and unfortunately, I believe I fell victim to one of your employees ' biases toward people of XXXX. I believe that most people are good, however, some people exhibit signs of hate and ill will toward people who are different. Before you dismiss this complaint to your General Counsel for disposal I want you to know I have served this country as a XXXX Veteran, and love all Americans, my son is two years old and Is biracial. To be clear the only type of people I see are Good and Bad I in NO way shape or form make claims of discrimination lightly. Nor unfounded what I saw in XXXX XXXX is not normative PNC customer service, it is certainly not what Ive come to expect from your leadership team. Here is my rationale for this assessment : i. During the incident at no time did XXXX XXXX, your XXXX XXXX, or any XXXX of your employees, request me to come in and speak with them in the branch about the check, the status of my account, or any issues concerning why they would not be able to help me. a. Your Agents assumed I wanted to Cash a check when clearly, I asked for the check to be deposited ( See attachment ). This assumption in conjunction with XXXX XXXX statement, You have a history of having items returned. This assessment of my account is factually inaccurate and distorts the actual record regarding my account. Furthermore, to represent erroneous and inaccurate information as Facts in a public manner is not only unprofessional, it is unethical and illegal. What XXXX XXXX is referring to is a one-off check, that was given to me by a vendor who failed to have funds available to me for remittance of payment, this is an isolated occurrence that has just happened ( literally in the last 2 days. ) What she did not know, was that I called PNC to notify them of the instrument not being able to clear the bank, please verify this by going through my accounts call records. Due to my proactiveness, I was able to notify your bank of the issue as an testament of my commitment to PNC I have not even been given official notice Of the Returned item, so to have an employee to state this to people in public is embarrassing. But to have a Branch Manager do this with no regard for my account security, privacy or your Companys policy about client care is unacceptable. Irrespective of this being an isolated incident or a reoccurring XXXX, It is my business, and its PNCs duty to maintain the integrity of my account while ensuring the security of my information again unwanted persons attempting to access this. This includes Privacy on your website, and within the disclosures given unto me you state numerous times, that my privacy ( paraphrasing ) is Our Duty and your Right.. Sir to be clear Yelling my account status over a teller 's speakerphone Is not professional and does not protect the integrity of my information. I am alleging that XXXX XXXX reckless disregard for my privacy may have compromised the integrity of my accounts with PNC Bank. Under Federal law, you are required to Train employees. All employees should understand the bank 's policies and procedures for complying with the privacy rule. Some employees will need to be able to explain the bank 's privacy policies to customers and businesses providing services to the bank. XXXX XXXX retort and reprehensible behavior did not end there, she stated, before my departure, Did you hear me Based on the connotation and tone in her voice it was similar to a parent scolding a child or her imputing her disdain for me being in her presence. To be clear she made me feel uncomfortable and unsafe, moreover, I suffer from Anxiety and this event has caused emotional distress to my mental and physical wellbeing. In writing you I have a few questions, that I want you to answer. Please answer these questions truthfully as I want to know your personal thoughts on them - 1 ) Does PNC make it a business practice to treat clients in a disrespectful and prejudicial manner? I ask this as XXXX XXXX is a Branch Manager and is a member of your leadership team. Attitude toward people and clients is a reflection of leadership ; 2 ) Do you condone the disparaging treatment of minorities, veterans, and people of XXXX? I am curious to better understand your XXXX and Diversity Policy and how XXXX XXXX was able to continue to move up to the rank of Branch ManageXXXX when she obviously can not exhibit any of your companys values as demonstrated in the core value : Prioritizing Customers Our customers inspire us to reach higher. 3 ) Is PNC Bank in the business to accept deposits from consumers who have an established relationship with the bank? In my experiences with PNC, I have always been notified when an item needs to have a hold placed on the account until the funds clear. What happened here? Why was there a sudden departure from policy and what had traditionally been the standard that your firm publishes and abides by? While my list of questions could continue, these questions are what is needed for me to decide if PNC bank is the organization in which it purports itself to be or is an organization that employs people who treat certain people with respect and others dismissively either by way of direct or indirect bias. To be clear XXXX XXXX reflects the less than of 1 % of the people that make up PNC her actions today illustrate a deeper set of concerns and issues, that can not be diverted using sensitivity training or coaching. Based on my experience with her I am not comfortable with maintaining my relationship with PNC Bank after today. Further I was proffer that if XXXX XXXX is the type of employee you provide to your clients, and the leadership that you want to reflect you XXXX XXXX an inquiry to your board of directors should be launched as it is not wise to have people who exhibit behaviors that parallel XXXX XXXX actions on today work for PNC or any public-facing brand. In closing, I believe that it is only right to provide you with notice that I am aggrieved and upset. Moreover, I am hurt by the experience today. I believe that everyone makes mistakes and deserves an opportunity to make things right. I am requesting that you make this right. I must notify you of my intent to notify the Federal Deposit Insurance Corporation ( FDIC ) about what I feel Is a privacy violation due to XXXX XXXX actions I will be filing a formal complaint and request that a formal inquiry into this incident along with any other issue ( XXXX ) concerning my relationship and banking information be conducted by Federal Officials. Additionally, I have requested the Alabama Attorney Generals Office ( AGO ) to make a referral to the Alabama State Banking Department with a respconcerningter. Moreover, I intend to notify the Federal Trade Commission ( FTC ) concerning the discriminatory and unfair business practices exhibited by not only XXXX XXXX, but when XXXX called me and said, Are you the one who tried to cash a check I am unsure what she meant by Are you the one.. what? CEO, Business Owner, Veteran of this Country, XXXX Man or else this comment in conjunction with this experience has cast PNC in a very different light and like the issues that XXXX XXXX has gone through with its XXXX concerns I feel as though this complaint may spark a similar set of circumstances. I understand that your company will need to run an investigation and fact-check each accusation about this incident. I am amenable to aiding you in whatever information you will need. However, to be clear as long as XXXX XXXX is employed at PNC Bank I nor my business nor any person I care about will have a relationship with PNC ; as I feel as though your leadership is an extension of how you feel and treat people and XXXX XXXX position as Branch Manager, put her in a different classification of both corporate responsibility and pecuniary liability for wrongdoing. If after the investigation ( XXXX ) it is found that XXXX XXXX willful disregard for my privacy violates Federal Law, I shall fully seek appropriate remedy possible. Short of her termination there is nothing that can be done to send a signal to the public and restore my faith and confidence in you that you will oversee my interests both in public as well as private. Sincerely, XXXX XXXX XXXX, XXXX. XXXXn | ||||||
| 01/29/2021 | Yes |
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Web | Older American |
| To Whom it May Concern, I am asking you to review my mortgage account with PNC Bank. In XX/XX/ I was laid off due to Covid-19 so I applied for a deferment of my mortgage. The first deferment was for XX/XX/XXXX, when we got our statement, we were told the outstanding principal remained the same and the past due balance was to keep track of the deferred payments that were to be put at the back of the loan. On XX/XX/XXXX we got a statement that said the principal remained at {$350000.00} with a past due payment of {$5000.00} and a current payment of {$2500.00}. The statement said " you must pay {$7600.00} to bring your loan current. We called the bank to make sure we were not ruining our credit as we have never been late in our lives. What was explained to us was the payments would go to the back of the loan and just extend the loan by the number of payments. We were told the past due number was for the banks records they were not set up for this process. We asked for a payoff so we could understand how this was being structured. At this point being unemployed we were not planning on paying off the loan. First, she told us the payoff was {$7600.00}, I said that is impossible I owe {$350000.00} according to the statement. So, we asked for her to send us a written payoff. We waited about 4 weeks for the payoff letter which she never sent. Only to find out by XXXX on XX/XX/XXXX she did do a payoff, but then she canceled it by doing a forbearance not even a deference. Not knowing the difference at this time, we learned she messed up the account. XXXX said she would fix the deference so that the principal plus interest would go to the back of the loan and just extend the loan, she said she was going to have a manager call us, but no one ever called. On XX/XX/XXXX I called XXXX to ask for another payoff she gave us a number of {$360000.00} ( I did not write the exact amount ) but she couldn't explain the difference the outstanding principal of {$350000.00} and the {$360000.00} number made no sense, but it could not be explained by XXXX. It appears the payments were being added to the principal rather than put at the back as we were told. She said do not worry about it you do not have to make any payments until we figure this out. Fast forward to XX/XX/XXXX we get a letter for a 3-month forbearance and then on XXXX XXXX we get a letter from XXXX XXXX. that we were approved for a deference all we wanted was a payoff. We were told we could not get a payoff because the deferral needed to be completed. XXXX again told us that the outstanding principle would not change, and the full payment would extend the loan, we realized that we would owe the {$350000.00} plus any money the bank paid for insurance and taxes. At this time being so frustrated we asked for a payoff and were seriously considering paying off the loan. On XX/XX/XXXX we spoke to XXXX she said the payoff was {$340000.00} which did not make since she said she would check and call back, but never called. This is the first time we heard this number but as time goes on, we keep hearing all different number in the XXXX knowing we owed {$350000.00}. On XX/XX/XXXX I called and spoke to XXXX she said she needed to email someone as to why the payoff was {$340000.00} and would call us back but never did. We received a payoff letter good until XX/XX/XXXX and had just made a payment. We felt we had a month to now get this resolved. We called on XX/XX/XXXX and spoke to XXXX she said the payoff was wrong on the letter XXXX {$360000.00} ), but they should have it fixed by XXXX. I said that is unacceptable I need to pay off this loan and get away from this bank. She gave me the number for customer service, so I called right away and spoke to XXXX. XXXX said the payoff was {$340000.00} meanwhile the outstanding principle on our XXXX statement was now changed to {$360000.00} and on a statement ONE day later {$360000.00}. She put me on hold for 40 minutes and then said the Payoff would be {$340000.00} plusXXXX, plus {$1500.00} ( Insurance ) and {$850.00} ( flood insurance ) for a total of {$360000.00}. I said this makes no sense, what is the {$15000.00} she did not know and had me call lost mitigation where I spoke to XXXX, she gave me a payoff of {$360000.00} again being blown away by all these different numbers I didnt write the exact number. When I asked why XXXX earlier gave me {$340000.00}, She said oh she should not have given you that number. Being very frustrated and not knowing who I should believe from a bank that gave a different number every time I called. She said she would have a supervisor call within 2 days, a full week later on XX/XX/XXXX I get a call from XXXX the supervisor I explain the situation he said he would review the file and get back to me on Monday or Tuesday XX/XX/XXXX or XX/XX/XXXX. Well, I never heard from XXXX so on XX/XX/XXXX I called XXXX and all XXXX had for me was another payoff of {$360000.00} with no explanation of a break down. I said my statement has said {$350000.00} for 8 months then went to {$360000.00} and a day later was {$360000.00} and XXXX says {$340000.00} and XXXX was at {$360000.00} so what is right? Now he wants to investigate this after a half of month goes by. He'll call back either Tuesday or Wednesday XX/XX/XXXX or XX/XX/XXXX. Needless to say, he did not call, and another payment was going to be due. He finally called on XX/XX/XXXX but we were in the car so I asked if I could call him when I was in front of my paperwork the next day. He said I should call him first thing in the morning and if he were on the phone he would call right back. I called at XXXX XXXX and every half hour after that until he called at XXXX XXXX. He gave another payoff number and at this point I said just send me a payoff and I'll pay off the loan and contact the federal reserve. He then said that stops the conversation this must be sent to tier XXXX our highest level. You will hear from them on Monday or Tuesday XX/XX/XXXX or XX/XX/XXXX. I waited until XX/XX/XXXX at XXXX XXXX with no call so I called XXXX as he was my last contact, so I left a message. That night at XXXX XXXX we get a call from XXXX in management he is going to run a full audit and email it to me then we can talk. I said you record every phone call and suggested he listen to them to see why we are so disillusioned by the bank. I suggested that all this confusion and bad information was not incompetence but lack of training. XXXX gave me his number, but he never called or sent Email, so I called him on XXXX XXXX XXXX and left a message. I called again at XXXX and left another message he finally emailed at XXXX XXXX XXXX but forgot the attachment. I thought I was doing something wrong so I called and left a message at XXXX and XXXX. I called the next morning at XXXX and he answered, he said he was on the phone and would call right back NEVER DID. On XX/XX/XXXX I left another message to please call me back Monday with the password. I did the same on Monday at XXXX XXXX XXXX to please call and he finally called. He did not send the attachment the first time so between that and not telling me I had to make a password. Meanwhile time just kepts moving forward and another payment is coming due. I got the attachment after he resent the email on XX/XX/XXXX. We made an appointment to speak on Tuesday at XXXX XXXX which we did. We spoke for XXXX hour and XXXX minutes at which time he " Warm Transferred '' me to the payoff department where I got a Payoff of {$360000.00} good untilXX/XX/XXXXXXXX could not explain the numbers so we asked to be transferred back to XXXX, but he was gone. We thought he was going to stay on the line so we could go through the numbers, but he did not. I called him back at XXXX XXXX and had to leave a message. If all he was going to do is go over his spread sheet and flip me to the payoff department then he wasted our time. He said if I contact the CFPB all they are going to do is look at his spread sheet and see that he is right. For that reason, all the numbers below are from his spread sheet. He also said that in 35 years he has never seen a first mortgage being a deference so maybe he does not know how to deal with it and neither does his payoff department. Besides after talking for an hour it was evident, he had no authority to change numbers if they were wrong. It seemed whatever number the payoff department gave was the final word. I suspect all these payoffs we got included part of or all the deferred payments that are supposed to be on the back of the loan. The deferment was a great idea to give people who are unemployed the comfort of not stressing over monthly payments with little or no income. If you must pay it back when it was due, you have dug a financial hole for everyone who used this program. I find it sad there is no one at the bank you can talk to and get answers that lead to a decision. We never intended to pay the mortgage off but now feel we have no other choice. We will use our retirement money to get us out of this mess and then maybe refinance with another bank. We will use XXXX spread sheet that we have attached, and we will try to go through the numbers. The outstanding principal on our XXXX bill was {$350000.00} and this number remained on every statement until XXXX when they tried to figure out where to put the deference. According to XXXX spread sheet they subtracted 9 months of principal ( 8 which they deferred and one that we paid ) from the {$350000.00} which is {$7500.00} reducing the principal to {$340000.00} the exact number we got from 3 people on XX/XX/XXXX. From this number according to the spread sheet on XX/XX/XXXX there was a {$810.00} negative balance in escrow after paying our taxes on XX/XX/XXXX. In addition to that a payment was made by the bank on XX/XX/XXXX of {$850.00} for flood insurance, a payment by the bank for {$1500.00} for hazard insurance and {$2800.00} for taxes. Adding this to the principal brought it up to {$350000.00}. By this being added to the principal no more escrow is due as a matter of fact we are owed {$1300.00} for our XXXX and XXXX payments bringing the principal down to {$350000.00}. By putting these fees into the principal, the negative escrow that the bank has been tracking from XXXX through XXXX is no longer relevant and does not go into this equation. The principal now needs to be increased by the 8 of the 9-payment ( remember we made the XXXX payment ) which is {$6700.00} bringing the principal to {$350000.00}. To bring the principal current until XXXX we need to subtract the XXXX principal of {$850.00} making the principal {$350000.00}. The last thing that needs to be subtracted is the interest paid in XXXX and XXXX while we chased 2 managers who did not even have the courtesy to return a phone call causing us to have to make two payments and now possibly a third which is not included in these numbers. This will bring the principal to {$350000.00} and it will change if we have to make a XXXX payment due on the XXXX. Or the easier way : {$350000.00} The outstanding Principle as of XX/XX/XXXX plus {$810.00} The negative escrow after paying our taxes on XX/XX/XXXX according to XXXX spread sheet plus {$850.00} Flood insurance paid by bank on XX/XX/XXXX plus {$1500.00} Hazard insurance paid by the bank plus {$2800.00} Taxes paid by bank on XX/XX/XXXX. Minus {$2500.00} XXXX payment ( This is the cleanest way or the principal would have to be reduced we would owe no escrow and I dont feel I should pay the interest while the bank gave us the run around for 10 month and continues ) Minus {$2500.00} XXXX payment This would be deferring 10 payments 2 of which we paid in good faith while the bank scratched it head. Total {$350000.00} Same exact number by deferring 10 payments. | ||||||
| 11/19/2018 | Yes |
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Web | Older American |
| This concerns a significant issue with the mortgage escrow account for our summer property at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX and funds that were paid out from that account. Here is the time line and the list of facts : XX/XX/XXXX My wife and I decided to re-mortgage our shore property to take advantage of the lower mortgage rates. We chose to work through our local PNC bank branch in XXXX, PA, and to use the local lone officer, XXXX XXXX. In the process we also contacted a new insurance agent to re-work our flood and home owners insurance policies, thereby saving us additional money. Our old insurance agent was XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. For the new policy we chose XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. The savings were significant. I have included e-mail documentation showing the process of acquiring the new policy and the approval from PNC Bank. XX/XX/XXXX We paid XXXX XXXX at XXXX for a full year of flood coverage with XXXX of Florida, a total of {$2500.00}, to bind the contract as per the directions from our loan officer, XXXX XXXX. XX/XX/XXXX XXXX XXXX e-mailed copies of the new flood insurance declaration, the payment voucher, and the bound policy ( see attached e-mail paper trail ). When we spoke to XXXX, he told us that he had forwarded the files to the proper individuals for inclusion in our files. XX/XX/XXXX We had the closing on the re-mortgage, signing the papers which included our monthly payment based on the new flood insurance policy/premium. Late XX/XX/XXXX I phoned XXXX and informed them that we would be cancelling the old flood policy and were going with a different agent, thanking them for their help over the years. They sent a cancellation request for the XXXX XXXX for us to sign and return. I did via USPS. XX/XX/XXXX The old XXXX XXXX XXXX policy lapsed and the new XXXX policy took over. We were never made aware until XXXX. XX/XX/XXXX PNC Bank escrow department sent {$9700.00} to XXXX XXXX XXXX in payment for the policy we had cancelled and replaced. XX/XX/XXXX We received an Escrow Statement from PNC Bank dated XX/XX/XXXX, showing that we owed {$12000.00}, due XX/XX/XXXX, and raising our monthly payment from {$1900.00} to {$3500.00}. Looking at the statement we noticed that they had paid out the {$9700.00} to XXXX for insurance we had cancelled. I immediately called the PNC Escrow Department and spoke with a XXXX. We were told to pay the exact amount owed. Thursday, XX/XX/XXXX I called the escrow department again and spoke with XXXX, who informed me that they did not have the declaration page for the XXXX XXXX in our files anywhere. I was instructed to upload a copy of the new declaration page to XXXX using the pin code XXXX. I sent a .pdf file of the page as requested. Our phone call was terminated. After waiting 10 minutes for her to call me back, I called the escrow department and spoke with XXXX. XXXX did call me during that call, and we agreed that since XXXX was contacting XXXX XXXX XXXX, I should continue with him. XXXX contacted the customer service department at XXXX XXXX XXXX. In a conference call with one of their customer service reps, we were told that they needed a copy of the declaration for the XXXX XXXX and the cancellation order. When prompted, the individual reluctantly said that once they had the declaration page and a copy of the cancellation I would receive a full refund within 4 6 weeks. XXXX promised to send that pages as soon as they cleared the PNC system 3-5 days, I believe. Thursday, XX/XX/XXXX Following the conference call with XXXX, XXXX connected me with another young lady in the escrow department who, with her supervisor, worked through the payment owed. We would receive a new escrow statement listing our monthly payment due as {$1900.00}, due beginning XX/XX/XXXX. It was further determined that we would have until XX/XX/XXXX, to make the payment owed to cover the escrow shortfall created by PNC sending the money to XXXX. We were told to pay the exact amount owed on the new statement and that the payment would trigger a new escrow statement reflecting the amount due to fill the escrow account and a monthly payment of {$1900.00} when we remitted that payment. Thursday, XX/XX/XXXX -- I contacted XXXX XXXX, our former insurance company, and discovered that the original cancellation order we had signed and mailed had never arrived. They never bothered to let us know that it had not. XXXX XXXX at XXXX e-mailed a new copy of the cancellation order to me, we signed it, dated it XX/XX/XXXX ( the date that the XXXX policy was set to expire ), and I e-mailed a scanned, signed copy to them to be returned to XXXX. XXXX promised to send it immediately to XXXX XXXX XXXX. She also approved the date of XX/XX/XXXX, on the cancellation order. Tuesday, XX/XX/XXXX We received in the mail a new escrow statement dated XX/XX/XXXX showing a deficit of {$7200.00} and the monthly payment of {$1900.00} when the escrow due was credited to our account and the account refigured using the correct amount for the flood insurance. If we did not pay the short fall, then the monthly payment would be {$2500.00}. Starting around XX/XX/XXXX We began to receive calls from XXXX from the PNC Bank asking for information on our issue and offering to try to help. She gave us the phone number to her desk phone. After our initial conversation I attempted to phone her four ( 4 ) times over three days and each time had to leave a message on her answering machine. Typically I left times and dates when I would NOT be available due to other activities and asked her to call at any other time. It was always during those times when I was unavailable that she returned my calls, leaving me to call her back and leave another message. Tuesday, XX/XX/XXXX Wishing to avoid the increased monthly payment and expecting reimbursement from XXXX within a few weeks, we paid the {$7200.00} into the escrow account to PNC at our local branch on XXXX XXXX XXXX in XXXX, PA, empting about one quarter of our savings account to do so. Monday, XX/XX/XXXX We received a letter from PNC Customer Service dated XX/XX/XXXX, stating they made a number of unsuccessful attempts to contact us and giving us a customer service number to call if the issues were unresolved. Wednesday, XX/XX/XXXX We received an e-mail from XXXX XXXX at XXXX XXXX XXXX informing us that they had gotten a message from XXXX XXXX XXXX that we needed to submit a letter from PNC Bank indicating that they accepted the flood insurance from XXXX in lieu of the XXXX XXXX policy before they could begin to process our claim. Thursday, XX/XX/XXXX -- I called the PNC Mortgage Insurance Department to get the letter forwarded to XXXX and spoke with XXXX. She transferred me to XXXX. XXXX promised that the letter would not be a problem for them. I supplied her with the e-mail for XXXX XXXX, the agency fax number, and the mailing address. XXXX informed me that typically it would take 7 business days for the letter to be processed. When I explained that that delay would be unacceptable, she offered to expedite the process. I asked for an e-mailed copy of the letter and was told that company policy forbade sending e-mails but that she would send a copy via the USPS. She did send a request for the letter, asking that it be moved forward as quickly as possible. Monday, XX/XX/XXXX -- We received a phone call from a PNC Customer Relations Escalation individual named XXXX XXXX. As a part of our conversation she told me that her records showed that we were mailed a copy of the letter XXXX requested about accepting replacement insurance. When I asked about the copy that was to be sent to XXXX she balked then said that she did not see one. Minutes later she said that she thought they had gotten a copy. She asked for all of their contact information and I supplied XXXX XXXX name, phone number street address and fax number again. She told me she would work to see if she could rectify the issues and would get back to me on XX/XX/XXXX when she returned from being away. Monday, XX/XX/XXXX We received in the mail a copy of the letter from PNC to XXXX and XXXX accepting our flood insurance in lieu of the XXXX XXXX XXXX policy. The letter was dated XX/XX/XXXX. Wednesday, XX/XX/XXXX I called XXXX XXXX to update her on the ( lack of ) progress and she commiserated and again told me she would do what she could to help us out. Thursday, XX/XX/XXXX XXXX XXXX called to ask if we had heard anything. Again she was soothing but not terribly helpful. Saturday, XX/XX/XXXX In the mail we received notification from XXXX XXXX XXXX about changes to our policy dated from XX/XX/XXXX, through XX/XX/XXXX. Monday, XX/XX/XXXX I called XXXX XXXX to ask about the notification, believing it further proof that XXXX had not cancelled the policy and had no intention of refunding the money PNC forwarded to them. She was unavailable and I left a message asking her to call back. When she did she had no answers and promised to continue to work on our behalf. She would be away until XX/XX/XXXX but would try to call me on XX/XX/XXXX, hoping we would have heard something positive from XXXX XXXX. I phoned XXXX XXXX at XXXX XXXX XXXX to ask about the notice. I was told that the letter from PNC accepting the flood insurance we paid for had never arrived. I e-mailed her a scanned .pdf file of my copy of the letter and she promised to forward it to XXXX for inclusion in our file. Following that phone call I contacted the federal Consumer Financial Protection Bureau to find out how to file a complaint. I was given the process, which included this Word document detailing all of the timeline and information regarding the complaint. I also called the customer service department of XXXX XXXX XXXX to see if there were additional hoops through which I had to jump. I spoke with XXXX XXXX. He informed me that according to my file XXXX received the cancellation order on XX/XX/XXXX but found a problem with the date on the form. They returned it to XXXX and asked for a correction. That corrected form was received and logged into our account on XX/XX/XXXX, prompting the second e-mail requesting the letter from PNC. Since XXXX had not received that letter before today, they could not forward it. I e-mailed Mr. XXXX the same .pdf copy of my letter sent earlier to XXXX , and he up-loaded it into our file. I asked him if there were additional forms or issues I needed to take care of to get my refund and he investigated. After several minutes he returned to the line to inform me that as of XX/XX/XXXX, the law had changed. Our case was going to be handed off to the regional service/sales manager for New Jersey and he would contact us within forty-eight ( 48 ) hours to let us know the disposition. When I asked if we would get our full refund and how long we might expect that process to take, I was told that the regional service manager would talk to me about whether we would get some or none of our money back and that it was above his pay grade to discuss the possibilities. At this moment we are out the {$9700.00} that PNC sent to cover an insurance policy they had evidence was no longer in effect plus the {$7200.00} we took from our bank account to place into the escrow account to cover the shortfall created by PNC. That is a total of {$16000.00} we do not have at our disposal. For a retiree that is a heck of a lot of money to be out. | ||||||
| 07/16/2021 | Yes |
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| TO : Federal Deposit Insurance Corporation ( FDIC ) Case No. XXXX FROM : XXXX XXXX DATE : XX/XX/XXXX SUBJECT : XXXX XXXX complaint against PNC Bank due to dispute of my transaction on XX/XX/XXXX CUSTOMER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX COMPANY : PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX AVP Branch Manager Sr. NMLS ID XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Retail Escalation Manager PNC Bank , N.A. Phone : ( XXXX ) XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Federal Deposit Insurance Corporation ( FDIC ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) ( XXXX ) XXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX XXXX Dear Federal Deposit Insurance Corporation, My name is XXXX XXXX, and I am a customer of the PNC Bank Corporation, and have been since approximately XXXX. And being a loyal customer to the institution, I had an Auto Loan with them in which the term of agreement for the account to be paid off was in XXXX. However, I paid off my Auto Loan with them in XX/XX/XXXX. But that is not why I am writing you all today, to complain and report them. The reason I am contacting you all is due to the fact that on Thursday, XX/XX/XXXX approximately between the times of XXXX XXXX and XXXX XXXX, I had went to the PNC ATM located at XXXX XXXX XXXX XXXX XXXX, OH XXXX, and attempted to make a deposit transaction. I had {$1500.00} total ( i.e. fifteen {$100.00} dollar bills ) that I was attempting to deposit into the ATM machine that is built into the front of the building. During my transaction, an error message popped up and a message read as follows..LINE MISSING. and there was another message that popped up afterwards. Immediately after this, the screen went completely blank, and the ATM had not only took my money, but it also had PNC issued Bank Debit Card as well. When this happened I tried to hit the CANCEL button in order to cancel the transaction, to see if it would clear back to the Main Screen and issue me my PNC Debit Bank Card AND my deposit back to me. However, it did not. So, I stood there for a moment and audibly said something along the lines of.dont tell me.are you serious ... I know youre lying?!! So then I started to walk away from the machine, but then I turned around again to look and see if the machine was still shut down, and it was. So then, I go to my car in the parking lot and get the rest of my belongings ( i.e. my Drivers License, Phone, etc. ) and I walk right past that same ATM machine and go inside and report what just happened to me outside at their ATM. Immediately, I am serviced by a gentlemen named Mr. XXXX XXXX XXXX, who is the VP Branch Manger at this particular location. So we go to his office and I explain to him what just happened outside at the ATM on the building. And I told him that I was trying to make a quick deposit, so that I could pay for my braces. I had just left my XXXX approximately 45 mins to a hour prior and had a discussion with them about me getting my top braces put back on for a second treatment. And that I was going to pay them either that day XX/XX/XXXX by making a trip back up there, or I was going to pay them the following day on Friday, XX/XX/XXXX. And so before leaving the office, I stopped and asked the receptionist if they could take a payment over the phone, because if so, then I would just save a trip and make a quick deposit at my bank and the call in the payment. And the receptionist told me yes that they could accept a payment over the phone. And so I told them to be expecting my call within a couple of hours to finalize the transaction. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX. Which brings me back here. So the VP Branch Manager Mr. XXXX XXXX XXXX took my dispute down and submitted it to their corporate headquarters and said that he was going to fast track this issue and that someone would be contacting me as soon as possible. And he then informed me that he would be able to retrieve my PNC Bank Card, however he would not be able to retrieve my deposit due to their policy. And due to the fact that they do not own the ATM, its owned by a third party. And that no decision would be made until after the investigation is complete, which standard is between 5-10 business days. However, with him escalating this issue, I should be hearing from someone much sooner. On Friday, XX/XX/XXXX at approximately XXXX XXXX, I received a message from XXXX XXXX XXXX, PNC Retail Escalation Manager. And I returned her call at approximately XXXX XXXX and left a message returning her call. Approximately five minutes later, Ms. XXXX called me back and told me that we were on a recorded line and that she received a dispute on the incident that occurred at the PNC ATM on Thursday, XX/XX/XXXX. And that she was assigned to handle my issue and that if I had any questions that I could contact her. So, after that I explained to her the incident that occurred at the ATM, just as I had done with the VP MrXXXX XXXX XXXX XXXX, also that after the PNC ATM took not only my money, but my PNC Debit Bank Card, I had to go inside and was assisted by the VP Bank Manager, in which he was able to retrieve my PNC Debit Bank Card but not my deposit. So then she explained to me that after they do their investigation, and after their findings they would be in contact with me whether they would determine if it was an error or not. Approximately 30 minutes later, again I received a phone call from XXXX XXXX, PNC Retail Escalation Manager, and she told me that.according to their video, they have determined that there was no error. And so my initial reaction was ..there was no error?! What do you mean there was no error?! And so she told me again that they determined by the video showed that there wasnt an error with the transaction. In so many words I told her..so youre going to tell me that you have me on video, and you cant see that I had my money in my hand, with my Bank card no less and was trying to make a deposit?!! .That makes no sense to me! Video evidence is irrefutable! And I also told her, .Im not lying about trying to make my deposit! And I am not trying to scam you all! If I was trying to scam, then I woudnt have even come back inside the bank in order to retrieve my Bank card, nor my money as well! So how you can you all say that according to your video that there is NO ISSUE?! Im trying to do everything I can not to get upset, but this is just baffling to me! And I dont understand this?! So then I ask her to tell me what did they see on the video, and she told me that they couldnt tell me that information. And I asked her, what do you mean you cant tell me that information?! Thats ME ON CAMERA! And Im trying to explain to you what happened! But what youre not going to do is sit up here and tell me that you all have got ME ON CAMERA, and tell me that you did not see me with MY MONEY IN MY HAND WITH MY BANK CARD, TRYING TO MAKE A TRANSACTION! But then I waked RIGHT BACK BY THAT SAME ATM to go on the inside and surely they had to see me ON CAMERA then as well! Not to mention, me being helped on the inside of the building by personnel! So then I asked her was there anybody else that I could speak to higher than her? Or what else I need to do, because I just cant believe this! And I am NOT happy about this! So then she tells me that what we could do is submit ANOTHER dispute and see what happens. So, I told her, fine. And she told me that they would be in touch. Subsequently on, Wednesday, XX/XX/XXXX, I received two ( 2 ) letters from PNC Bank ( i.e. which are attached to this incident report ), that .we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request the documentation we relied on in making our determination. Finally which brings me to today on Friday, XX/XX/XXXX, I received another letter from PNC Bank stating the same thing that the first two letters stated. And so at approximately between XXXX XXXX XXXX XXXX, I went back to the PNC Bank location that I had the initial incident with, located at XXXX XXXX XXXX XXXX XXXX, OH XXXX, and again spoke with the VP Mr XXXX XXXX XXXX and gave him an update on my dispute with PNC Bank. I showed him the letters and told him about Ms. XXXX XXXX from Corporate who I spoke with, and about the additional dispute filed. So then, he submitted another dispute and told me that ... he was sorry that I didnt get this issue resolved, etc. And I told him that .it wasnt his fault, and I am not blaming him at all. But what I find disappointing is that I have been a loyal customer with them for years, had an Auto Loan, paid it off EARLY, just for it all to come to this! So he told me that he understands and that he would do the same thing. So then he tells me that he fast-tracked my dispute again and that someone should be contacting me soon again. And I told him thats fine, but Im just letting him know that I am filing a complaint against PNC Bank! Because it is disheartening that I have been a loyal customer and have a good track record with your institution, but you all are essentially calling me a liar! And I will not let this stand! As previously mentioned, attached are all three ( 3 ) letters that I have received in regards to PNC Banks decision about my transaction error and dispute against their third party ATM machine. And so therefore, I would appreciate it for you all to do your own internal investigation regarding all of the parties involved, to verify my story and claims. And I am also requesting that you all with the Federal Deposit Insurance Corporation and Consumer Financial Protection Bureau require PNC Bank, its parent companies, XXXX XXXX XXXX and XXXX XXXX XXXX ; and/or all its subsidiaries, recompense me my {$1500.00} dollars deposit that was erroneously seized by them from me ; and that I be compensated an additional {$1500.00} dollars for each business day that I my money was held until you all resolve my dispute with PNC Bank! Please feel free to contact me by phone at ( XXXX ) XXXX, and/or by email at XXXX. Thank you. Regards, XXXX XXXX Attachment | ||||||
| 05/19/2021 | Yes |
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Web | Older American |
| PNC Bank failed to Exercise Due Diligence to protect elderly customers such as myself who are the prime targets of scammers from using their favorite weapon of the international money transfer to steal our money. XXXX PNC XXXX - XXXX, XXXX and XXXX - mistakenly approved a scam, and sent my money to XXXX. My Complaint presents the Narrative, followed by Questions. The Narrative I am a XXXX minister who serves the XXXX and their families as a hospice chaplain. God reveals grace in this work, and sometimes I am blessed to see it. The PNC Bank seems to have bought into and abetted a scam which took all my money. The Police Report begins : For 55 years in ministry, I have served the poor, and for the last ten served the XXXX. I was ordained with the charge that the way to XXXX is down. I always lived within my means, and was content. Two months ago I had assets of {$24000.00} in checking and {$5000.00} in my tithing account, with no debt or savings or investments. Now, I have {$240.00} in checking and {$550.00} tithing, with debts of {$29000.00}. My identity had been stolen and used in two large drug deals in Texas. This fact was developed into a scam by five different criminals who called me impersonating law enforcement officers from different national and local law enforcement bodies. The crooks applied with great intensity XXXX unfamiliar emotions : fear and greed. Fear threatened prison : an arrest warrant has already been issued against you for the drug sales, but its enforcement is being held back by your case officer. Greed promised fortune : compensation in proportion to the size of the drug sales ; a U.S. Treasury check for {>= $1,000,000}. A Controller, impersonating a case officer with the U.S, Customs and Border Patrol, directed my every move. He sent me first to the XXXX bank where I had my checking account to apply for an international money transfer. The Local Manager there explained the duty of Due Diligence. Scammers take the elderly as their prime targets, and use international money transfers as their favorite weapon. Unless I could prove a real emergency, he had to say No. The Conrtroller directed me to withdraw my money and look for an easier bank. The Controller then sent me to a XXXX XXXX bank. The Local Manager there repeated his duty about prime target, favorite weapon and Due Diligence to say No. He added two core questions : Do you have their home address? Have you met them in person? A scammer would risk being caught by answering either. A No answer to the two core questions guaranteed it was a scam, and he would have to say No. He added that they blocked love scams as well as money scams. The Controller then sent me to a PNC Bank, where I deposited my money. 1. PNC Bank, apparently buying into the scam, immediately assigned a High Net Worth Advisor to help me with the expected {$9.00} million dollar deposit. XXXX XXXX XXXX can be reached at XXXX. Perhaps the large deposit made them overeager and careless. 2. PNC Bank barely went through the motions of Due Diligence. at the Local, Regional and National levels. I went into the XXXX XXXX office of PNC, and told my phony story about investing in palliative care in XXXX. The Local Manager, a young woman, responded to my relating personally by talking about herself as she typed the form. I dont recall her even reading questions from the application form. She responded from happy emotion. She failed even to state the duty of Due Diligence : to protect elderly customers who are prime targets from international money transfers which are the favorite weapon, or warn me that she would have to say No unless I could prove an emergency. She did not ask any questions to challenge my story. The Regional Manager, an older woman who happened to be in that branch that day, emerged from her neighboring office where she appeared to have heard the initial proposal. She seemed to join in the pleasant emotion. She also failed to state the purpose of Due Diligence, requiring me to prove an emergency. She even mentioned - but did not ask - one of the core questio ns, stating that if you do not know their home address that proves its a scam. The National Manager, a wary but tired-sounding man with whom I spoke by phone, asked several exploratory questions and did ask one of the core questions : Have you met in person? I answered honestly - No. He appeared not to take my No seriously. He did not ask the other core question : Do you know their home address? He rambled through a few odd questions, then said Yes to the scam. 3. All three PNC Managers failed to challenge my story. None asked if I had a business plan, or even knew whether this venture had been tried before. 4. All three PNC Managers failed to state their duty of Due Diligence : to protect el derly customers like me who are prime targets, from international money transfers which are favorite weapons, because Due Diligence required them to say No unless I proved an emergency. 5. All three PNC Managers failed to use the core questions that surely expose a scam. 6. All three PNC Managers failed to do the math that exposes a scam. A venture investment would take only a small portion of the elderly persons funds. A scam would take a large portion. This transfer took 88 % of all my funds. Red Flag! Scam! 7. All three PNC Managers failed to see the danger and mistakenly said Yes to the scam. PNC Bank sent all my money to XXXX. Then they closed my account to cover up their mistakes. I am pleading with PNC to own responsibility for their mistakes and restore my funds. PNC Bank will probably continue their cover up unless held accountable in the court of public opinion or by regulatory agencies. The Questions The Consumer Financial Protection Bureau XXXX " CFPB '' XXXX issued best practices to prevent elder financial abuse. Develop, implement and maintain internal protocols and procedures for protecting elder account holders. These measures should include Training and Reporting. Banks should train employees regularly and frequently. Training programs should include, at a minimum : ( a ) adoption of a comprehensive and multifaceted definition of elder financial exploitation ; ( b ) categorical descriptions of indicators of potential elder financial exploitation ( e.g., transaction patterns, behavioral changes, theft and coercion scenarios, etc. ) ; and ( c ) preventative measures and clearly defined action steps for internal responses, hierarchical reporting, law enforcement reporting, and the filing of detailed Suspicious Activity Reports. Report all cases of suspected exploitation. Mandatory and voluntary reporting of elder abuse are governed by state laws. ( boldface added ) Questions concerning PNC Banks policy. Question # 1 Definition 1A What is PNC Banks comprehensive and multifaceted definition of elder financial exploitation? 1B In what documents is it found? 1C How is it used to train Managers to exercise Due Diligence? Question # 2 Indicators 2A List specifically all the indicators you train your managers to look for in exercising their required Due Diligence to protect elderly customers from scams. 2B Do you require your managers during Due Diligence to ask the two core questions, which scammers can not answer without getting caught : First, Have you met them in person? Second, Do you know their home address? If not, why not? 2C How do you monitor their performance to ensure they are asking the core questions? Question # 3 Preventative measures and action steps 3A. Describe in detail what preventative measures you use to avoid failing Due Diligence? 3B. Quote from your policies what specific action steps you take to avoid failing Due Diligence? Question # 4. In the case of Rev. XXXX - which went beyond Suspicious Activity to Proven Fraud - provide copies of all Reports made by PNC Bank XXXX. internally, XXXX to law enforcement, and XXXX to all relevant regulatory state agencies. Questions concerning PNC Banks performance. Failure to exercise XXXX XXXX occurs when Managers approve scams that exploit elderly customers. Question # 5 Concerning the three managers who failed to exercise Due Diligence 5A. Did the Local Manager who failed Rev, XXXX ask the two core questions? 5B. Did the Regional Manager who failed Rev. XXXX ask the XXXX core questions? XXXX. Did the National XXXX who failed Rev, XXXX ask the two core questions? Question # 6 Concerning PNC Banks corrections Provide copies of all internal communications to those three Managers showing PNC Banks effort to correct their perform ance. Question # 7 Concerning acceptable failure rates During the past year among PNC Banks Managers in XXXX County 7A. How many times did Managers fail to exercise Due Diligence by saying Yes to scams. ( This includes scams that were eventually blocked : for example, if the Local and Regional Managers said Yes but the National Manager said No, that counts as two failures. ) 7B. How many scams involving International Money Transfers actually went through due to the failure of all three Managers? XXXX. How many victimized elderly customers a year does PNC Bank consider acceptable? XXXX. What has PNC Bank done to compensate elderly victims victimized when PNC Banks failures in Due Diligence cost them dearly - perhaps even their life savings? Question 8 Concerning PNC Banks compliance with the standards of the American Bankers Association. 8A. Provide copies of all Due Diligence Reports filed with the ABA in the past year related to your duty of Due Diligence in protecting elderly customers from scams using i nternational wire transfers, or sudden purchase of gift cards. 8B. Did PNC Bank offer Rev. XXXX a Second Set of Eyes as recommended? The XXXX XXXX XXXX sets standards for Due Diligence. The XXXX XXXX XXXX also offers XXXX Due Diligence Reports and Information Sheets ( Available to Bankers ) https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX set of eyes protects elderly customers from scams. The Foundations XXXX XXXX XXXX XXXX noted XXXX XXXX and other seniors 65 and above account for XXXX percent of all deposits. Larger financial institutions, like XXXX XXXX XXXX and XXXX XXXX ask customers for a trusted contact in large to give seniors a second set of eyes to protect them from fraud. https : XXXX? XXXX | ||||||
| 03/02/2019 | Yes |
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Web | Older American |
| Background : In XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) held both the Promissory Note and the servicing of the mortgage on my home. During the process of renegotiating the loan, the authenticity of the signature on the note came into question. Within three months of the signatures doubtful authenticity becoming apparent, XXXX sold the note to PNC NA ( PNC )., but retained the servicing. In XX/XX/XXXX XXXX started foreclosure action against me, using this spurious note. At the time, as per the Revised Code of Washington ( RCW ) 61.24 et seq., it was required the Beneficiary offer to mediate prior to foreclosure. I was not offered this option prior to commencement of foreclosure. I was informed, AFTER commencement of foreclosure, that I had chosen not to mediate. However, the date when I supposedly selected not to mediate, I was in a training class sponsored by the US Department of Commerce ( document I ). This falsified XXXX document was included in the Notice of Default in XX/XX/XXXX. One of the requirements of the mandatory Washington State foreclosure mediation process is for the Borrower to produce a government issued identification with a signature and address to certify that they are the owner and that they occupy the property. On XX/XX/XXXX, XXXX documented that the signature on my government issued ID did not match the signature on file i.e. the Promissory Note. At this time, XXXX XXXX, an organization contracted by the State of Washington to facilitate the mediation process, suggested that I contact an attorney as this problem was out of their charter. Mediation plans were agreed upon and proceeded, however, the Beneficiary failed to comply with the dates proposed and it had to be rescheduled several times. The mediation was held on XX/XX/XXXX. It was attended by me, XXXX XXXX, the alleged note signer ; my attorney, XXXX XXXX ; the mediator, XXXX XXXX ; attorney XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ) the Trustee ; and a representative from PNC, XXXX XXXX. The PNC representative attended via telephone. PNCs representative put a proposal on the table verbally. It was agreed to by the parties. The Mediator agreed to continue the mediation to XX/XX/XXXX, after requested financial documents were produced. My documents were delivered to the Beneficiary in a timely manner ( XX/XX/XXXX ) showing the ability to meet revised loan requirements. On or about XX/XX/XXXX, the Trustee complained to the Mediator that documents had not been delivered, claiming that additional documents were necessary. These additional documents were in fact documents that were not articulated nor agreed upon during the first mediation session. The Mediator did not follow up on this claim made by Mr. XXXX with me as per Department of Commerce mediation guidelines. This specious claim by the Trustee ( XXXX ) effectively torpedoed the mediation process. On XX/XX/XXXX, XXXX announced it would cease operations on XX/XX/XXXX and all accounts would be transferred to other firms. In addition, on or about XX/XX/XXXX, XXXX XXXX XXXX employment was terminated at PNC. I filed a complaint on this matter with the Washington State Attorney General concerning the issues of misconduct and malpractice on XX/XX/XXXX. Sometime either before or after this XX/XX/XXXX date, the Consumer Financial Protection Bureau ( CFPB ), initiated an investigation into the Beneficiary according to documents obtained in discovery ( document II ). This electronic communication gives a date of XX/XX/XXXX. On or about XX/XX/XXXX a new Successor Trustee was appointed by the Beneficiary in violation of RCW 61,24,010. A restraining order was issued and the Beneficiary DISCONTINUED the foreclosure on XX/XX/XXXX. It was later ascertained that the order to DISCONTINUE the foreclosure sale was in response to action by the CFPB ( document III ). The term DISCONTINUE is a legal term used in RCW 61.24.et seq. It clearly states that a DISCONTINUANCE is issued when the terms and conditions of the Deed of Trust have been met to the Beneficiarys satisfaction at least 11 days before the sale date. In XX/XX/XXXX, I sued the Beneficiary and its Trustee for breaches of RCW 61.24.at seq. It wasnt until after the judge made the ruling that we discovered the attorney for the Beneficiary and Trustee had presented false documents in court, a CR -11, RCW 9A.72.020, and 18 USC 1621 violation ( documentation available IV ). I contacted the law offices of XXXX XXXX XXXX XXXX ( legal representative for both the Beneficiary and Trustee in this action ) and confronted the attorney with these facts that were confirmed by the State of Washington ( document V ). XXXX XXXX XXXX XXXX agreed that no further foreclosure action would be taken, as it would call into question the validity of all notarized signatures presented and attested to their authenticity in court. From XX/XX/XXXX to the present, there were numerous communications that occurred between the myself and representatives of PNC, In those communications PNC representatives stated numerous times, in writing and in recorded telephone conversations, that the Beneficiary was unaware of any activity that occurred prior to PNC becoming the Servicer of the loan in late XX/XX/XXXX, or any agreements that were reached verbally with XXXX XXXX XXXX XXXX. After filing papers in court to DISCONTINUE the foreclosure on XX/XX/XXXX, the Beneficiary then attempts for the third time to foreclose on the property on XX/XX/XXXX, approximately two and a half years after filing the Discontinuance. PNC, ( now the Servicer AND Beneficiary ) allegedly hired, XXXX XXXX as its attorney and XXXX XXXX XXXX as the Successor Trustee, in XX/XX/XXXX ( document VI ). COMPLAINT : PNC, XXXX XXXX XXXX ( XXXX ) as Successor Trustee, and its attorney XXXX XXXX have violated numerous sections of the RCW. To be brief, as this is not a complete list : 1 ) RCW 61.24.010 ( 2 ) The Beneficiary has appointed three Successor Trustees without any of them resigning. This statute gives the procedures for replacing the trustee. It gives specific instructions on documents that must be filed, including a document titled Resignation of Trustee ( RT ). The significance of the RT is it represents the surrendering of the originals of the Deed of Trust, Promissory Note, and Title back their original possessor. 2 ) RCW 61.24.010 ( 3 ). Under this statute, the Successor Trustee can not have a Fiduciary Obligation to the Beneficiary. However, XXXX mailed a letter via USPS dated on or about XX/XX/XXXX, in which XXXX clearly states that they are a Debt Collector for the Beneficiary. 3 ) RCW 61.24.020 XXXX and XXXX share the same address, office and phone number. This calls into question the separation between the Beneficiarys attorney ( XXXX ) and the Successor Trustee ( XXXX ). This calls into question whether the Successor Trustee could operate in an impartial manner. 4 ) RCW 61.24.030 ( 7 ) a The Beneficiarys claim was disproved in its letter on XX/XX/XXXX when it stated that the signature on the promissory note did not match the signature on the officially issued government identification. The notary process was also fatally flawed, which was communicated to XXXX XXXX XXXX XXXX in XX/XX/XXXX. 5 ) RCW 61.24.030 ( 7 ) b XXXX violated this statute when it declared that they were a Debt Collector and therefore had a Fiduciary Obligation to the Beneficiary. 6 ) RCW 61.24.030 ( 8 ) The Beneficiary or Trustee is required to send a document attesting that the Beneficiary is in possession of the Promissory Note, via USPS registered or certified mail, return receipt requested. The Beneficiary or Trustee did neither, as sending the document via USPS would have been in violation of 18 USC 1341 : Frauds and Schemes, since they were aware that the note was specious. 7 ) RCW 61.24.et seq A Discontinuance of a foreclosure is the attestation by the Beneficiary that the default ( s ) have been cured and the Trustees fees and costs are paid. In this case, the Beneficiarys current attorney ( XXXX ) has claimed ignorance of this Discontinuance of Trustee Sale and the legal ramifications of that action. 8 ) From the XX/XX/XXXX internal email evidence obtained through discovery for my lawsuit against the Beneficiary and the Successor Trustee, their employees received the message We are instructed to Cancel our sale on all CFPB Holds that are requested by our client. Another crucial communication occurred on XX/XX/XXXX, sent from the Successor Trustee to the XXXX XXXX XXXX XXXX to please provide a copy of the Notice of Discontinuance of Sale. Our attorney needs it for our defense docs in a litigation action. Was this yet ANOTHER litigation involving my mortgage or was the Discontinuance of the foreclosure on our home part of the settlement to reduce the Federal fine for PNC? Once that reduced fine was levied from CFPB, DoJ, SEC, the Federal Reserve, and/or Office of the Comptroller, etc., did the Beneficiary then wait for sufficient time to elapse to RESTART the foreclosure process in hopes they were no longer under scrutiny ; no Federal agency would be monitoring them ; and documentation could be conveniently misplaced, as evidenced by the lack of pass along documentation admitted by the Beneficiarys attorney ( XXXX ) in the XX/XX/XXXX mediation. As the email of XX/XX/XXXX uses the plural tense it can be surmised that this was happening in more than one of the Beneficiarys foreclosures. According to press reports there were thousands of botched foreclosures. Conclusion : From this initial review of the Laws of the State of Washington, no doubt there are other violations that can be sited. In the State of Washington, there have been approximately 400 foreclosures by XXXX in the last 8 months that may not be in compliance with RCW 61.24.et seq. Other states undoubtedly have similar laws on their books. It is my suggestion that the CFPB notify immediately all state Attorney Generals to place a hold on all foreclosures involving PNC, XXXX XXXX, and/or XXXX pending an investigation into their noncompliance. | ||||||
| 07/22/2023 | Yes |
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| XXXX weeks ago PNC was contacted about an account they had closed and the same account they have been previously reported on to lend credence to a prior complaint I filed and they responded to, that they were guilty of libel stating the reason for the closure was the use of inappropriate or offensive language. This is clearly not the behavior of an innocent party but of an institution that has something to hide. I have yet to receive the bank statements from PNC that I requested ; XXXX and XXXX XXXX. I am now adding XX/XX/XXXX. They have also falsely sent documents to a credit collector that I owed PNC over XXXX dollars after it was their employee who falsified records and took money out of a linked account. After being ordered to return it, someone decided to become creative and added false balances so in the end only {$50.00} out of the {$300.00} was returned when that individual caused overdraft fees to post to an account that they accessed over a false allegation that my account was frozen when it was active. He/she also claimed a {$400.00} deficit on an account that did not exist prior if there was money transferred from the same account to the new account AND if it was in part returned making the allegations of a deficit a criminal act. This latest slight and PNC 's claim of conduct unbecoming as a reason for closure is nothing short of open racism and prejudice as financial institutions know they will be believed over the customer and abuse the power given for as long as they can. PNC 's regulations of code of conduct is a code of impunity that continues to defraud past and present customers based on reviews. However, it is not too big to fail. It is a XXXX-month cycle of harassment and discrimination levied against me that is personal and predatory in its bias. The checks will be returned after copies are made as they were deposited and rejected prior. I am thereby stating in writing that I will not succumb or allow the person or persons to continue the bigotry and hate by depositing another bad check. I know what was cleared and what was not. I asked for the same type of checking on the CLEARED accounts to be sent as a replacement and PNC has refused to comply to that demand letter sent. I am also requesting that this be sent to the regulatory body to prove that this institution is actively engaging in activities in direct and continued violations of a protected class and has behaved in a manner that I find both threatening and bigoted for personal gain t the financial expense of not one but TWO innocent parties to cover up a crime. I have always maintained and shown evidence of damaging behavior committed by this bank. PNC has not. They have changed their story several times, sent checks that will cause continued financial distress without refunding monies owed, lied about balances that if they were truthful would have resulted in records received, and not yet another complaint and now have again committed another violation under the FOIA act. This bank is racking up charge after charge and has made the victim who is not their customer, but a third party, suffer needlessly with deceptive business practices in order to undermine my integrity and, by refusing repeated letters of demand, is attempting to defend their actions by offending my intelligence. That said, this is a letter of demand that ( 1 ) the institution remove this false allegation of a debt that they invented by contacting the collection company, XXXX, file no. XXXX within XXXX business days from today, XX/XX/XXXX to avoid records of this act being sent to the agency as proof of PNC 's intent to defraud along with ( 2 ) a letter of confirmation in writing mailed to my address of their contact. I also ( 3 ) demand that a direct deposit/wire transfer be set up to deposit funds owed including those not received within that 3 day timeframe which is a reasonable accommodation request. ( 4 ) Records requested of ALL banking activity from XX/XX/XXXX to XX/XX/XXXX is to be mailed and confirmed also within XXXX business days or intent will be established as fact. ( 5 ) PNC is ordered to cease any further attempts to entrap and/or undermine my credibility and ordered to comply with the law including direct funding requests made on three separate occasions after invoking ADA rights and all repeatedly ignored. Since the checks sent has a routing number that proves they do wire transfers, refusing to do so is against policy, code of ethics, and an overt act of discrimination due to XXXX. I also have observed a disturbing pattern employed by the department in question ; all implicated in this incident are female despite having spoken to various males within the same. I believe this is not accidental but a misogynistic approach of intimidation by gender. Therefore I believe the guilty party to be male as they are typically less scrutinized and with higher positions than their female counterparts in the same field and therefore generally see women as 'weak ' and less likely to ask questions. I had requested at the time records from XXXX that can prove without doubt violations did occur and records tampered with having removed the link between banks before any records can be changed. PNC can be reasonably assumed to be uncooperative knowing that disclosure was sent in an attempt to resolve the matter previously. To delay after confirmation was made they will be sent is an indication of guilt. However, it is also a violation of Federal law. That means the original reason, not the secondary alteration is still intact. PNC was well aware of the wrongdoing of their employee and decided that their only recourse to avoid scandal was to create a situation of their own making. It has not only failed ; they chose to behave in an unprofessional manner toward a third party and not their intended victim. There are now TWO witnesses to their actions. Replacement checks from PC are in violation of a request that the same account and routing numbers be used. All banks have different accounts, The excuse that was given when I contacted them on refusing to comply, but the customer should not be insulted to the degree that it is assumed the different accounts are not for specified actions. Yet PNC did just that. Consumers are also well aware of the dreaded internal email made evident by long pauses between question and answer and it is unfortunate that their employees chose themselves over the law. Doing so, gave weight to the opinions of their value in the workplace and certainly worked against them in advancing their own careers. But I digress. This is now the XXXX demand letter of non-compliance. The checks will be returned as this violated the previous demand agreement and am without doubt that if deposited they too will be rejected. PNC 's continued treatment of customers who are receiving 100 % of their income from XXXX should not go unpunished or unnoticed. I am going on record to inform PNC that I will not be giving any reason to make their false claims of offensive language stick. I will lodge all my dissatisfaction and discrimination on this site and you will be dealt with through intervention only. In short, you will need to get your evidence on my conduct the old-fashioned way. I am very well-versed in the game being played here and why. PNC in refusing to do the right thing, in the continued mailing of rubberized tender, using the exact information that was rejected on a prior attempt to deposit forcing that account closure, in a dangerous and twisted attempt to undermine my credibility and nothing more and is now placed on notice. Doing so and closing a second account by their direct involvement also means they have no future access to it either and only solidifies my case as I have the direct link of their actions and the reaction it caused. I am certain the intent of PNC was not to clear my name as a victim but the end result proved just that. Unfortunately, banks do not reverse closures despite their claim but the industry through submissions like mine is changing. PNC has only strengthened my claim of discrimination with intent to defraud, slander, libel, violations of my civil rights as a consumer and citizen, and refusal under ADA law to several accommodation requests of direct deposit of funds after their check was rejected. It may even be classified as a hate crime. What it will NOT be, is successful. One or more of their employees committed conduct ethically unbecoming at a minimum and no amount of internal emails sent to offer no assistance will work in their favor. I will continue to fight indirectly and in a professional manner in writing to avoid any further slanderous accusations levied that describe perfectly their own conduct of manipulative and abusive behavior towards the public at large by refusing access to their own funds. I will also like to add here that the information on the accounts was NOT changed until they were forced to split the check via a letter of demand. It was only in response to the demand that the routing and account numbers became different. The original check, saved for my records, and in anticipation of discrimination later realized, had DIFFERENT account and routing numbers, the kind in all my checks that were accepted and cashed. These new numbers started after numerous phone calls to split as it was too large to deposit, were met with statements suggesting money laundering ( layering ) was in play by Verizon/Sedgwick . It is clearly and provable case of retaliation by PNC employees and I hope someone in one of these two institutions sees this posting claiming checks can not be split because it is 'layering ' when it could if it subsequently was. I am happy to post numerous emails sent by PNC and letters kept of their lies in written form. I will do so after day 3 to this or the governing body if no agreement to a wire transfer is made by PNC but there will be no entrapment via calls made when they are fully aware having spoken to that third party and continuing the harassment. | ||||||
| 10/10/2018 | Yes |
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| I am including the text I sent to PNC Bank that Cc'ed XXXX XXXX, my wealth manager, my mortgage broker and contractor. This email explains my difficulties. I sent the email on Friday and to date, have heard nothing back. I tried to give them a reasonable amount of time to respond so we could handle this between guys with no response. The local banker received this and forwarded this on, and they have had no response from their Mortgage Department either. Our initial meeting with the bank was on XX/XX/XXXX when we first submitted our paperwork with a branch employee. I had email correspondence with them on the XXXX, XXXX, XXXX, XXXX, and XXXX, as well as phone calls on the XXXX, XXXX, XXXX, and XXXX. My last meeting with the branch was on XX/XX/XXXX. The number I was given to contact the director of the mortgage division was a non-working number. If they will speak with me about financial reimbursement, I will provide all relevant documents. Thank you for your assistance in this very serious matter. Good morning XXXX, Thank you for your support yesterday in trying to help resolve my financially taxing matter with your Hazard Loss Division. I will be contacting XXXX, who you spoke to and stated was the manager of the division where we were seeking resolution. As I stated, this situation has cost me in more ways than just inconvenience. Financially, it has placed an undue strain on our household and my ability to conduct my businesses. I am Ccing XXXX XXXX, my contractor, my Wealth Manager, and Mortgage Broker about this matter, and I was informed by my Broker to contact the Georgia Department of Banking and Finance. I would rather not go that far, but will if I have to, not just due to my struggles, but also prevent this from occurring to someone who is not in as fortunate a financial state as we are. At this point, I feel that the tactics used by your Hazard Loss division have been obstructionistic and totally negative to the experiences of a customer, as well as detrimental to my ability to return our house back to an optimal living condition. I have spent countless hours trying to resolve this issue, and even after my time at your branch yesterday, while you were on the phone on our behalf, was late to my office for my client. I understand that you and your branch manager have unsuccessfully advocated for a resolution to this matter, and I am not holding you responsible for my current condition. I am holding your Hazard Loss Division responsible. At this time, PNC is holding more than {$78000.00} of claim funding provided by XXXX XXXX that was designated to repair our home after a major loss. Do I understand the need to mitigate fraud by setting up policies and procedures to prevent fraud and manage the repair of a home to its previous state to protect the value of a banks investment? Absolutely! However, I also strongly believe that those XXXX XXXX XXXX should not cause undue stress and financial peril to the homeowner or a Contractor, when the insurance company has done their part to help care for the needs of their clients. To date these are the many, but not all of the issues that I have encountered : - I was requested to provide additional documentation after our first submission, and sent that in a timely manner. Even after sending this, our file was not updated. Hence, I was in direct contact with XXXX XXXX through your bank manager on XX/XX/26 and sent duplicates of the requested info, and also inquired with him via email on Friday, the XXXX to make sure the Is were dotted so that we would receive our check. After sending the update email to XXXX, I never received any information back and thought that everything was in line. - In order to keep the reconstruction process timely, I have paid for materials in advance, including Flooring, Tile, and covered the cost of additional expenses including floor demo, insulation and mold remediation ( I want my house back in order. Two floors of furniture in our house are in storage, and we have no kitchen ). I fully expected to be reimbursed in a timely manner, given that the money was provided to you, and we had completed the necessary forms, and verified that with the Bank Manager, who was on the phone with the Hazard Loss Department to confirm amounts to be put on forms. - I was told both that I needed an inspection and then that one would be required at 50 % completion, before any funding would be distributed. This inconsistency in what was communicated caused confusion. At this time we are at 50 %, and on Tuesday, an inspection was performed. - I had a large business transaction at the end of the month that I had earmarked funds for that were no longer available, due to my outlay of cash. As a result, I had to sell stock from two accounts to insure that I had the necessary funds and could insure that I made that payment on time. - Due to snags in money transfer and selling my stock at the XXXX hour ( one account lost almost {$6000.00} because of the need to prematurely sell the stock ), it caused an additional financial stress on our household, and hours of time for me to arrange the sale, contact our wealth manager, and work with two banks to complete the transaction. At the time of this writing, I have asked my wealth manager to calculate the financial impact of the premature sale of our stock. - As a result of this situation, I was late on my payment on this business transaction, however, the recipient of funds was understanding of the situation, and I did not incur any penalty. - This last obstruction in payment was caused when there was a {$3000.00} discrepancy between the XXXX XXXX {$93000.00} on the adjusted claim estimate and what was on the Contractors XXXX XXXX XXXX {$90000.00}. In the call with your Bank Manager and XXXX XXXX, we confirmed the amount to write into the estimate to insure its accuracy. Therefore, the error was due to PNC Hazard Loss, not me, nor my contractor, nor your Bank Manager. Yet, I am, once again penalized, and when on the phone with your rep at the Hazard Loss department in a call on Wednesday, his only comment to this was that There are no notes in the documentation that you were told what to write on the form. When I asked to escalate this, I was told that he would contact a supervisor, and I could expect a call in 24 to 48 hours, but that the check would not be sent and the review process would be ( I believe he said ) an additional 5 business days. In your office yesterday, as you worked diligently to resolve this, you attempted to handle this with XXXX, in XXXX. Even in explaining my troubles and difficulties and trying to get a check overnighted, she still balked at that and stated that the earliest this could be handled was Tuesday. I am confident that someone there had the power to overnight a check, and as you know, I was beside myself and am still in disbelief of this entire situation. While I will not speak for XXXX XXXX, I can not believe that they expect funds provided to a customer to require such laborious efforts in order for a customer to be paid out to insure a reasonable recovery of lost property. This situation is resulting in a protracted time to return our home to a state where we can move our furniture back in, and as a result, XXXX XXXX is impacted by the amount they are paying for the safe storage of our furniture. I have full confidence that you and your Bank Manager understand my level of frustration, helplessness, mistrust and anger with this situation that has transpired. In my discussion with you yesterday, I had presented a reasonable solution for your bank that would have been a win-win. That was for your bank to provide the first draw, while asking that I correct the incorrect amount on the XXXX XXXX before another draw would be provided. The way the situation has been handled, in my opinion, has had nothing to do with customer service, and at this time, I am searching for other options for our mortgage. Also, please keep in mind that positive customer experiences often result in a person telling 3-5 people, while negative customer experiences often result in an individual telling more than 10 people., and with social media, a single comment can reach countless millions. I dont provide this information as a threat, but as data to consider when working with your most important asset, your customer base. Trust me, however, that I am communicating my experience as a Buyer Beware. Since the end of XXXX, my wife, daughter and I are living in our sunroom and bedrooms due to the damage to our home. I cant imagine that, you, your bank manager, manager of your Hazard Loss Division, nor the CEO of PNC would stand for the experience that we have had. This is untenable. I fully expect there to be a review of this situation and a change in your P & P to insure that this does not happen to anyone else. I know that you can understand that time is precious, especially when trying to get a familys lives back to normal after an experience such as this, and we have had little to no respect for our time and convenience. For my wife and I, a successful resolution would be : - a reimbursement or compensation of lost funds in our investments ( still XXXX per my wealth manager ), - an immediate distribution of all funds provided to your bank back to us, since we have no trust in your Hazard Loss Division to provide reimbursement in a reasonable timeframe, - a reimbursement for my time and effort that that it has taken me to, not only to handle this issue, but also lost time to my wealth manager and me to arrange the sale of stock and transfer of funds to make the business transaction. - I trust that you will forward this letter to all relevant parties within your organization. I fully expect to hear back on my resolution requests. In addition to this, I am directly contacting my XXXX XXXX Agent an Adjuster, in addition to the CC on this email. Thank you for your attention to this very serious matter. | ||||||
| 03/26/2021 | Yes |
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| Incident happened on XX/XX/2021. I saw that my account was negative XXXX dollars. I had been contacted about a company offering to pay me for advertising their brand on my truck and I would be paid to advertise the product. I looked into it briefly and saw that company 's do indeed pay clients for advertising. Although I was hesitant at first I actually did receive a check and I was talking this same man everyday about how to do the process it seemed very legit. He had a business card. I thought I struck gold with this deal.. I needed the extra cash because I have 3 small children and work pay check to pay check so I figured fast cash, awesome. I was obviously wrong! I received the check on Saturday XXXX after work at XXXX it looked just like a payroll check from a real bank. The check was for {$2900.00} dollars.I took the check to the ATM because the bank was closed it said the check would need to take 3 days. I knew it needed to be cleared so I thought that was fine and Normal to make sure it was legit.. The check was pending for 3 days and on the 3rd day the check was made available to my account.I still thought wow it was real because my bank had approved the check. The bank never called me to question the check or to say it wasn't cleared knowing I have never used this bank before from this check. My bank PNC usually always calls me when the smallest thing is off so I thought awesome I was in the clear and the company was legit if there was any regarding flags my bank would notify me. The deal with the advertising company was that I needed to send this man a professional sticker man who need to put this huge sticker on my truck his fee of XXXX dollars and I would keep XXXX of that check and I would receive XXXX dollars a week for 8 weeks for advertising the sticker but with the first check I needed to pay for the sticker to be put on my truck. After receiving the check on the 3rd day which was a Tuesday XX/XX/2021. I had not touched the money still hesitant so I waited the following day which the bank had still not called me to say anything was wrong or off in the slightest way and so I thought it was a Legitimate business paying me to do advertising. On Wednesday XX/XX/XXXX, evening time after work about XXXX which is now the 4th day I had this check in my account the funds showing made available I never touched this money until the 4th day after hours is when I sent this suppose " sticker man '' the first payment I was told to send to get the process of this sticker going. I sent from my bank account to a XXXX account which I thought was still legit because PNC Bank recommends XXXX on my bank app.. So I felt this had to be very much real to send through my account to a XXXX account. I could only send {$500.00} at a time. I sent XXXX dollars from the check to this XXXX account I have never sent money to before.. My bank never once contacted me to say anything was off or to check if this was me or to say it seemed off. So I thought I'm protected if this was a scam my bank would keep me their client safe and contact me if this was not real. Not the case! The next night after work I still hadn't been notified by my bank about this check. So I sent the last of the payment to the man I thought was the sticker man for my truck. The payments both went through on the XXXX after having the check in my account at XXXX it went through two transactions of {$500.00} dollar transactions. I went to send the last {$100.00} and my bank app account said that my account was in the negative at already sending 2 payments prior to this. I instantly started to panic. I called the banks XXXX number the bank had said everything was fine there was a mistake in my name on the check and that I just needed to wait for the check in the mail and then take it to my bank and they would fix it. Not the case at all. I soon realized after trying to contact the man I had been talking to he would not answer me. So I felt then it was a scam. I never ever thought I could get scammed its 2021 I felt using bank accounts and how banks protect their clients that something like this could not happen to me. I tried to have my bank reverse the payments from the XXXX account back to my account since the was not real and the funds were taken back from the bank. The bank said they could not do that. I was overdraft XXXX dollars. My confusion is that when I went to the bank the next day the 6th day the bank manger informed me that this happens all the time to their customer and that sadly we can not get our money back. As you can imagine I was devastated as a single hard working father of 3 small children living pay check to pay check. I just lost my children XXXX dollars of our money. I felt like the worst parent in the world how could I fall for this scam I felt how could my bank let this happen. But again I felt through my bank a huge corporation I was protected from things like this. Why hadn't the bank blocked the payments of the 5th day why did they wait til the sent two XXXX dollar transactions then overdraft me that same day.. I'm so confused. Why would my bank make me wait 3 days for a check to seem like it cleared and then make the funds available for me to think it was a real thing when they have been seeing this scamming happening to theor clients all the time? As my bank how could they not have contacted or reached out to me seeing that I have never gotten a check from this bank before and saying to wait a few more days to make sure the check was fine so I was in the clear. I felt tricked not only by the scammer but also by my bank that I have had for years. Even after the 4th day of having this check then seeing that I was sending a random person money multiple times after receiving a random check I never received a call from anyone from my bank to check to see if this matter was legal and to protect me as their customer from any scammer. How this whole situation was handled by my bank I feel is wrong, yes I made the mistake of trusting someone that lied to me because I was trying to make extra money for my family. But for my big corporate PNC bank to watch the whole process and never once warn me. Is mind blowing to me and I feel is not right. I feel there is wrong doing on my banks part in this matter as well. Any other time when I try to make large charges over XXXX dollars my bank always blocks it so that I have to call in and they ask me if it's me and their just checking making sure everything is okay. Why this time my bank couldn't block that first XXXX dollar through XXXX so that I could call the bank and they could say hey that check is still not all the way cleared to protect your funds you should wait a few more days I would have been so grateful and not out of XXXX dollars right now. As my bank how is it not their duty to better protect their clients from things like this. I thought that after the three day hold on the check that it was cleared and I was free to use it but was I wrong! I feel tricked my bank claims they gave the funds as a courtesy and then after the bank had seen that I had never cashed this type of check before they felt it was a good courtesy to me to give me these funds, how? Then in just a few days later let me send multiple charges to an account I never sent money to before they just let ever transaction go through never once emailing me, alerting me, or blocking the transactions. Knowing that this check hasn't cleared that I should wait afew days to use the funds. I have went to the police and I have filed a claim with the police on the scammed. I hope the person is caught and charged but as for my bank they claim no wrong doing on their part at all for making the funds available for me to think I had that money from a random place. I understand it is my fault but if my bank could have handled and helped me prior to all this lile they should have knowing scammers are out there maybe I could have not been out of so much money right now.. If one person from my bank could have reached out to me and said hey sir something doesn't seem right about this check it hasn't all the way cleared I would have never touched any of that money until I knew the bank had cleared it or even after seeingme send money the 4th day if I could have gotten a call saying to hold off until the checked clears to be safe. I thought it was cleared after the first 3 they held it and the 4 day of me waiting to use it. Still no alert saying it wasn't cleared. Please if you can help me get my XXXX dollars back I would appreciate it. I don't see how my money isn't insured with this issue. Why was those funds made available for me to think the check was real? Why when I sent multiple transactions the first time to an account I never used before was I not alerted then about the situation of the check not being cleared. I don't understand why my bank did this to me then turned their backs sayingthey did no wrong there's nohing they can do to help me. I am completely distressed in this matter. I do not have a college education and I am clearly not the smartest person but these people in these banks are educated and isn't it their job to protect their clients and their money? Why do I feel like my bank helped me into getting scammed? One simple courtesy phone call from my bank one email explaining scams happen could have helped me and protected me and I could see and understand the scam I was now in. I learned my lesson and will never trust another person again I never thought a person could be so low into taking a hard working person 's money. Please help me into resolving this issue with my bank they allowed these funds available just to take them back after I sent them to an account that I couldn't resolve this issue with. If they would have just kept that check until it was completely and fully cleared never giving me the funds and when it wasn't cleared I would have known this was a scam. My email is XXXX XXXX | ||||||
| 04/01/2018 | Yes |
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| I have been a PNC customer for 15 years. I am really disappointed with the service and charges on the Bank Credit card. I set up a paperless account to save you money and also kept alerts on my account so I could be notified by text and/or email. I received a letter in XX/XX/XXXX saying that my account passed the limit credit so I paid off the remaining balance. I made sure it was paid in full and that no future interest was posted on the card. I set the card aside because I didnt want to use it unless it was absolutely necessary. A couple months later I contacted the bank to inform them that I was going to be outside of the U.S. and that I may be using the card. The automatic voice message said that my account was delinquent. I immediately tried to contact the bank from the cruise ship. They kept me on hold forever so eventually I hung up. I was so upset that I sent a message to PNC through the Fraud contact email confirming that I was outside of the Country I had no idea what was going on with my card because I had not used it at all. I said to put everything on hold until I return to the United States. When I returned I called the bank and I was informed that a charge was made on my account, and the bank was charging me {$38.00} late fee, every month that they did not receive the payment. THE BANK NEVER INFORMED ABOUT THE CHARGE IN MY ACCOUNT SO I COULD TAKE CARE OF IT. I have always paid at least the minimum due ( by phone ) every month. After paying it off, doesnt the bank realize that if a charge is put on my account ( after PAYING IT OFF ) the bank does not realize that they should notify the customer if the charge is not paid? Isnt it obvious that if the customer paid off the card and a new charge comes in ( and the customer who always paid on time ) and the customer doesnt pay anything, shouldnt the bank communicate to the customer? Then to make it worse, the bank continues to charge late fees to my account. Shouldnt the bank realize that when the customer has paid off their card and a new charge hits the account and is not paid on the due date.obviously the customer does not know about the new charge? What kind of relationship and respect is that? The bank doesnt inform the client and continues billing late fees WITHOUT NOTIFYING THE CUSTOMER EVER? If the bank had notified me of the charge I could have paid it and then contacted the company regarding the charge. Does it make any sense to pay more in late fees than the charge itself? Of course not. I have contacted multiple people at your bank who just pass the buck and will not take ownership of the issue. They have all been worthless with the exception of one employee. One of your supervisors actually said to me ( sarcastically ) Its not our fault if you dont check your statement! Why would I if I had paid it off and the card was being used at all? XXXX claimed that the bank did not send me any letter because I signed up for paperless ( to save the bank money ) but I DID ASK THE BANK TO NOTIFY ME BY EMAIL or TEXT MESSAGES. Besides, the bank DID SEND ME A LETTER in XX/XX/XXXX saying my account was over my limit. ( before I paid off the card ) Interesting that you can inform your customer ( by letter ) stating that my account is over the limit by {$29.00} but you CAN NOT inform the customer THAT THERE IS AN UNPAID CHARGE on an account THAT HAS BEEN PAID OFF? So the bank will only communicate when its in their interest? ... and not in the customers interest? Instead of protecting the customers assets, you use this as an opportunity to take advantage of the customers assets. So your bank lets the client be considered delinquent because they want to take advantage of the situation by charging late fees? This is unacceptable. I have communicated with several representatives of PNC Bank ( including XXXX at Executive Relations ) and XXXX XXXX ( Executive Claim Relations ). I have spoken to XXXX several times and all she says is that she is not going to refund what the bank charged me ( because OF THEIR OWN MISTAKE ) and she said that I need to prove that the bank informed me that the minimum payment due was {$35.00} and that the manager agreed with me on the phone. I have always paid by phone and I have a CLEAR RECORDED MESSAGE stating that my MINIMUM DUE IS {$35.00}. I have a credit limit of {$2000.00} and the bank has ALWAYS ACCEPTED the minimum payment due. I just didnt pay the total amount ( {$70.00} ) because I was expecting the bank to refund all of the wrong charges and fees. The manager on the phone agreed with me that I should just pay the minimum ( until the bank fixed the situation ). Even though I PAID FOUR DAYS PRIOR to the due date PNC still CHARGED ME A LATE FEE! Because I havent received any call back from XXXX, I went in person to the XXXX XXXX, Florida Branch. I spoke with the Manager and XXXX. Then XXXX informed me that I had another late fee in the account and he said he didnt know why? Because according to the computer I had paid four days before the due date. He could not explain that. He said he would help me with the case escalating it to someone else. I asked who? ... XXXX department? Forget itshe is worthless! And he assured me that he would send it to a department above her. I have been a loyal customer. The bank never informed me about the charge after I PAID THE CARD OFF. The Bank should have let me know about the new charges on my account ( it was a renewal that I didnt know they would charge on my card ). I dont have a crystal ball and I thought I was dealing with a renowned financial institution. I guess not. XXXX was the only person that was respectful and gave me good customer service. He worried about the banks reputation when nobody else did. He told me that people will call me but they have not. Instead, I get a call from worthless XXXX stating that the bank is not going to refund anything. I need this fixed. It is not fair for the bank to charge me for these fees. The bank does not honor one word on the phone and they refuse to provide an email where we can state things in writing. Obviously, the bank does not want to take ownership of their fraudulent charges and honor what they say to the customer. The bank should apologize for all the inconveniences they have caused me instead of blaming me and taking more money from my account. Because the bank refuses to do what is right I have filed a complaint against the bank. On XX/XX/XXXX I had to pay the balance in my account ( NOT THE MINIMUM PAYMENT which is CLEARLY STATED ON THE RECORDING ) PLUS I have to pay these disrespectful LATE FEES to prevent the bank from taking even more money from my account. By the way, XXXX also said that I need to CLOSE the credit card account. Really? It will affect my credit score plus I want the money the bank unjustly took from me credited back to my card. This is the worst customer service/management I have ever seen in my entire life. So now, after paying the balance I am exposed to UNKNOWN CHARGES on my account. To avoid this I am using this letter to notify PNC Bank that I DO NOT WANT ANY MORE CHARGES on my credit card. I want my card to be blocked from any future charges unless I send a signed certified letter stating otherwise. With all the fraud going on out there, how can I trust the bank? I cant. The bank has done nothing to protect me, their customer. On the contrary, the bank took advantage of the situation by taking even more money from me. This is not about the dollar amount that was taken from me. Its about the principal of the matter. There are many customers complaining about your bank about similar situations. Why does the banks recorded message tell you to pay a different amount then what is stated online? As I mentioned, I have PNC Banks recording before the bank tried to change it. So, to avoid the bank from stealing even more late fees from me, I will go online and pay whatever it states there. Because it contradicts your own phone message. I am not sure what your managers are doing there, but all they did was to give me wrong information and treat me disrespectfully and careless. By the way ( when I went to your XXXX XXXX, Florida branch ) I asked XXXX to just sign a copy of a letter asking to block the card from any future charges, but his manager said they can not do that. What? Not even sign the copy of my letter stating they received it? This is unacceptable. I understand XXXX situation. His boss doesnt want to take responsibility for it. I was just trying to make sure they would send it to the right department so the bank CAN NOT CLAIM THAT THEY WERE NOT INFORMED about my request. Its pretty clear that your bank can not be trusted. So again I want you to use this letter as my authorization to block any future charges on my PNC credit card. As I mentioned to the various managers ( and representatives of PNC Bank ) I will be filing a complaint with the Consumer Financial Protection Bureau against PNC Bank. I want to prevent others from the financial abuse that your bank projects on its customers. Its my responsibility to do so. In conclusion, 1. I am waiting for the bank to do what is right and refund all of the fees ( incl. interest ) 2. Block my card from any future charges unless the bank receives a certified letter from me. 3. I am not closing my account because it will negatively affect my XXXXredit score. 4. I do not want the account to be used for ANY PURCHASES or charges of ANY KIND. 5. The card is going to be set aside and will not be used by me. 6. The bank will be responsible for allowing ANY charges on my account. I have recorded message I can send you if you need it. | ||||||
| 07/22/2018 | Yes |
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| Around XX/XX/XXXX, my car was repossessed. I was involved in a car accident XX/XX/XXXX and I informed my lienholder and let them know that I was involved in a car accident and that I was injured in the accident. I ended up going through treatment over 2 months for treatment from my injuries sustained from the accident. The driver of the other vehicle hit me and my car lifted off the ground causing damage to the frame. My insurance attempted to work with the lienholder as well. On XX/XX/XXXX, I called my lienholder and asked them what did I need to get the car back so that insurance company could possibly total out my vehicle. The rep from PNC said not to pay anything yet until I got the letter in the mail from PNC. They also told me that the letter tells everything that I need to get the vehicle back and that the reason that I needed to wait on the letter is so that I will not expect to pay one amount and end up being higher than I thought. I also informed the rep about the insurance company and how the car may be a total loss due to the frame of the car. I spoke with a manager named XXXX as well who stated that the repossession team would work with XXXX in order to resolve the manner. I was advised by the repossession team that they would be working with my insurance company to resolve the issue. On XX/XX/XXXX, I received a phone call from my adjuster with XXXX who informed me that the tow yard and told refused to release the vehicle to XXXX to resolve the issue of the car being in the accident and that they needed to speak with me. So I called the tow yard and they informed me that they don't have permission to release the car until the XXXX and when I asked to whom. They said a company in Florida and I asked them why would they do that, they advised me the company was an auction. I asked for more information and they referred me to PNC. When I called PNC, they advised me that they had all of the information in the letter that they sent out to me via certified mail. I asked for the tracking number and then advised the PNC rep that I never received it and the package still stays in transit as of XX/XX/XXXX. I asked the rep did she check the tracking number and she said she didn't need to because she finds it hard to believe that I didn't receive something when they have a tracking number. I called corporate escalations on XX/XX/XXXX and spoke with a manager named XXXX XXXX for about an hour about the issue and she told me that she would work on getting me another letter and stopping the repossession 's auction process and get more information from the team and that she would call me back by the XXXX. I contacted my personal injury attorney as well and informed them of this and they advised me to follow up with her on that Wednesday if XXXX didn't call me. XXXX did not call me at all so I called her back and was told on the XXXX that she had not heard anything from the repo team and that she would follow up with me as soon as she did. In the meantime, XXXX had called several times about paying PNC for the car that was not in safe driving conditions ( which my lawyer also kept a record of the problems with the car ). On XX/XX/XXXX, I went to the tow yard to get my things out of the car. When I arrived at the tow yard, they told me that PNC had behaved in an unusual manner. They had not given the tow yard notice any information about the amount that was owed to release the car ( even after XXXX offered to help pay it ). They also advised me that the company ( PNC ) advised them to change the locks on the car and prepare it for auction on the third day of the tow yard having the vehicle. I found this out because I tried to hand the worker my keys and she told me that the lienholder had them to cut new keys for the car after the car being there for three days. PNC also interfered with XXXX 's investigation of declaring the vehicle as a total loss because XXXX tried getting the keys from me to investigate my car and PNC didn't tell anyone that they changed the locks and wouldn't give XXXX the option to properly inspect a vehicle that was not safe to drive. I took a XXXX to the tow yard. I was told that it was extremely unusual for a lienholder not to tell how much is owed on the vehicle and that most of the vehicles that are left there are not there longer than 3 days and PNC never told the company what was needed to release it. On XX/XX/XXXX, XXXX XXXX called and left me a voicemail at XXXXXXXX XXXX to call her back when I get her message or speak to someone in the escalations team. XXXX normally gets off at XXXX XXXX and the tow yard closes at XXXX, which means that the car already had been released to the auction. I have no idea how much is owed or anything like storage fees, etc. I called the escalations team and spoke with a manager who told me that on the XXXX that I had to have paid the past due balance by the XXXX to prevent the car from going to auction. I confronted the manager for not only releasing a dangerous vehicle to the auction but calling me after the car was released to the auction and not informing me ahead of time or working with me. I also confronted her for being fully aware at least since XX/XX/XXXX that I NEVER received another letter. I also had the company to update my address for me to receive mail which they did not do intentionally. Even the old address that they sent it to is a relative 's home address who would have informed me of the package not arriving yet. As of Friday, XX/XX/XXXX, I still have not received anything from PNC about what was owed on that vehicle. I also contacted lawyers who told me to first report them to consumer protection agencies and then we can proceed if necessary but to make sure that I reported it before the statute of limitations ran out. The lienholder was not only informed by me but the insurance company and refused to work with any of us about resolving the issue. They even reported it on my credit when the insurance company even told them that the car was possibly a total loss due to the injuries that I sustained from being the driver of that car in the accident. I reported this company to the Georgia Consumer Protection agency who informed me that this is not normal for PNC to do this especially since state law says that they must give me a written notice about a vehicle to not only give me a chance to get the car back but before they send it off to public auction. I didn't get any of that. Also on the XXXX, I asked the gentleman what would happen should I get the car back and he told me that PNC would open the account back as if the repossession never happened and start back where we left off but they closed the account. I have recordings of the woman calling me after the balance was supposed to be repaid, my insurance adjuster also has recordings of the calls and manager information letting them know what happened with the car and even trying to pay the company. I also have screenshots to go against the company as well. The company refused to send me another letter so that I could make the account current and before the repossession when I let them know that I was out of work for over 2 months on FMLA leave due to my injuries the company refused to negotiate with me to temporarily lower my payments until I finished paying. They even refused to take partial money. Not only was I injured in the same car, I had a passenger in the car that was also injured and they still sent it off to public auction knowing the dangers of the car. Not only am I now without the car and still injured from the accident, I am now responsible for something that I was denied my rights to and they did not make any effort to resolve this. Also when XXXX was supposed to call me back, her coworker informed me that I didn't prevent the car from going to auction by paying the balance on the XXXX and I informed her that I never knew how much was owed which is why XXXX was supposed to resolve this for me which is the purpose of her calling me back which she never did until the XXXX. I have had enough of this company and tried to resolve it with them but obviously, they feel that they do not have to not only respond to their customers but that they can do as they please and put people 's lives in danger. I will also be contacting the transportation bureaus to let them know that the company intentionally released a car to the public that not only were people injured in but did not resolve the issue or allow the insurance company to do what they needed to do to resolve the issue. I also have written documentation from my insurance company supporting the lack of effort of PNC to resolve the issue including them refusing to let me or the insurance company know what was needed to make the account current to have it released. The fact that they negatively influenced an insurance inspection is also beyond low. Also when I called multiple federal agencies on XX/XX/XXXX, they advised me to go online to submit a complaint and that I could later go and submit more documentation as needed. I have also attached the tracking number and the status of the letter that the company claims has the information on how to make my account current that I never received nor was it attempted to be delivered to me. They didn't email me either tell me how much it was either. No call. No nothing. Also according to the rep on the XXXX there was supposed to be a 5 day investigation and then I have 23 days to make the account current but don't do anything until I get my letter but since the company was working with the insurance company that I should just wait for the letter and take it from there. I'm tired of this keeping me up at night. | ||||||
| 08/29/2018 | Yes |
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Web | Older American |
| PNC Bank Created escrow shortages, with random checks to nothing, company I don't do business, posting refunds to insurance payment, use wrong figures for insurance escrow, wrong policy paid from wrong escrow account and inflated payments. SEE ATTACHED LETTER ADDRESS TO YOU. XX/XX/XXXX Called - Notice of Error at XXXX and spoke with XXXX in Customer Service. She refused to spend her time listening to my complaint and explanation, they are right, the insurance created the payment amount, a research request was summitted XX/XX/XXXX. She is insistent, the insurance premium created the increase. XX/XX/XXXX XXXX XXXX, in collection called. I insisted that she shut-up and listen to what I had to say. I got through the basics before she began with, " I'm in collection, you need to, I can't help, they haven't put in a request for a research, you need to, I am in collections. I see what your problem is, your payment increased {$200.00}. and you can't afford. '' No, my payment is inflated, {$390.00} and I am not going to pay it. XX/XX/XXXX XXXX, in collection called to asked, " Why I had not paid my mortgage? '' I said forget it, I am taking care of it. XX/XX/XXXX a man who refused to give me his name, called from PNC Bank Collection. I explained the situation and he informed me I would continue to get the collection calls. I said something to the effect that I wasn't worried about the collection calls. XX/XX/XXXX or XX/XX/XXXX I called Customer Service and spoke with XXXX. I began explaining and he began telling me that the insurance created the increase. I finally got him to look at the computer screen, my account, {$1000.00}, why, no invoice, policy, the discount created the notice, it was not a bill. He agreed that it did look as if I had some discrepancies, places me on hold, returns with the information that he wanted to talk to someone, puts me on hold again, returns to tell me someone else was going to look into the matter, but he didn't think I had any recourse except to pay the stated payment until XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX, Customer Service who insisted it was the insurance increased the payment. It is a rehearsed, standard, don't think about response. XXXX informed me he didn't care what I did, if I sent anything other than the payment on the coupon, it would be returned. He began reading off my insurance premiums and I stopped him at the {$1700.00}, saying I signed nothing with that company. That is an agent who managed to give me a quote and used my information to create a policy, I never got, and get a commission for about four weeks before it is cancelled and he gives it back. XXXX switched me to XXXX. XXXX informed me she had nothing to do with my escrow, she paid insurance. When I received the coupon books, I was shocked, to say the least, but actually I had been watching for something on the order of stealing from my escrows, losing payments, because this is not the first time I have had a running battle with PNC Bank. XX/XX/XXXX I hand delivered a copy of the packet I mailed to the Attorney General of Indiana, to the PNC Bank branch at XXXX XXXX XXXX, XXXX, IN and asked XXXX XXXX, Sales Associate and a female, I assumed was the branch manager, didn't see a name tag, and asked that they fax it to the correct department. She skimmed the cover page to the Attorney General and mumbled something about insurance, but agreed to fax the packet. XX/XX/XXXX Mailed a complaint packet to the Attorney General Office of Indiana. XX/XX/XXXX Spoke with a female in Customer Service and explained the situation, she was very concerned and advised me to not pay the refunds at the bank because it would not get to the escrow department before XX/XX/XXXX. She provided the address to get the checks to the right department quickly, I mailed the Cashier checks, XX/XX/XXXX {$1700.00} = {$1700.00} pay back, and {$22.00} pay back. {$1000.00} = {$940.00} XXXX XXXX XXXX early premium pay back, plus XXXX {$380.00} = {$360.00} five to six month refund from XXXX. {$1000.00} = {$1000.00} pay back for mystery check pay for nothing. XXXX, {$1700.00} and {$22.00}, random payment, returned and balance o Now how it should have been handled : Homeowner 's policy {$1200.00} less {$1000.00}, = {$190.00} to be paid out of pocket. P & I {$310.00} + Insurance {$1200.00} divided by 12 = {$100.00} + taxes {$62.00} = {$470.00} Landlord 's policy {$2200.00} less {$380.00} = {$1800.00} divided by 12 = {$150.00} + {$2200.00} divided by 12 = {$180.00} = {$340.00} P & I {$340.00} + Insurance escrow {$340.00} + Taxes {$22.00} = {$710.00} XX/XX/XXXX I upgraded the property insurance on my primary residence and one rental property, both mortgages are with PNC Bank, with escrow accounts. XXXX XXXX XXXX, Homeowners Policy and Landlords Policy. The homes sit next door to each other. Homeowner 's premium, {$1200.00} for 12 months. Old Policy Premium, due XX/XX/XXXX, {$940.00}, difference in premiums, {$250.00}. What should have happened : Principal & Interest - {$310.00}, {$1200.00} divided by 12 = XXXX, plus taxes {$62.00} = new monthly payment of {$470.00}. Landlord 's Premium, {$2200.00} for 12 months. Old Policy Premium, due XX/XX/XXXX, {$720.00}, difference in premiums, {$1500.00}. What should have happened : Principal & Interest : {$340.00}, {$2200.00} divided by 12 = {$190.00}, plus {$1500.00} differences in premiums divided by 12 = {$130.00} for an insurance escrow {$320.00}, plus XXXX Taxes = new monthly payment of {$670.00}. This is giving no credit for the yearly escrow already in each account. Homeowners, {$940.00}, not to be paid out until XX/XX/XXXX. Landlords, six to seven months on deposit, policy comes due in XX/XX/XXXX, deposits on hand should be {$360.00} paid XX/XX/XXXX thru XX/XX/XXXX at lease {$360.00} refund of unused premium with the cancelled insurance provided, not taken into consideration. This is what did happen : XX/XX/XXXX wrote a Homeowner 's Policy and a Landlord 's Policy on the home I live in. Due to extreme weather, my age ( XXXX ) my health, XXXX XXXX XXXX and XXXX condition, I went to Alabama. I realized XXXX XXXX 's error and informed them to corrected and send me proof of coverage on the correct home. I get a notice that revealed that PNC Bank had paid {$2200.00} from the Landlord escrow account, for the Homeowner 's Policy. Right amount, right escrow, wrong policy. I notify XXXX XXXX of the error and they correct it and send a change of premium amount due to a discount, to PNC Bank. PNC Bank sends XXXX XXXX a check for {$1000.00} in response to the premium deduction of {$22.00}. I receive the first refund check from XXXX XXXX, {$22.00}. This discount and premium reduction was on the Landlord Policy. With in a few days I receive a check for, {$1000.00}, refund for over payment. No one knows what the {$1000.00} payment is for. This is where the nightmare starts. I am in Alabama, and although I have access to my computer, e-mails, etc., the one thing I don't have is access to bank depositing, due to using direct deposit and on-line banking, but not cell phone depositing. So I am holding 2 checks from the landlord escrow. Now they have created a shortage. I personally, still only owe {$250.00} on the homeowners escrow and {$1500.00} on the landlord escrow. Now I am waiting for the refund from XXXX XXXX XXXX, {$940.00}, which was paid 4 days after PNC Bank was notified that there was a change in policies. Also, XXXX was dragging their feet with the 5 to 6 months refund not used due to a new policy. The end of XX/XX/XXXX, I receive a check from XXXX XXXX, informing me that they had cancelled my homeowners policy. I had never heard of XXXX and knew nothing about a homeowners policy. I never received a policy, binder, declaration or e-mail from them, only a check for {$1500.00}. I called the number on the check and was told they had cancelled my policy because I had not made repairs they had requested. I did remember a letter threating to cancel my policy for not painting the trim on the garage, but I was dealing with the installation of a new furnace and trying to keep warm. I called XXXX XXXX they assured me my home were covered and paid up. XX/XX/XXXX or XX/XX/XXXX I received another check from XXXX for {$210.00}. Being a retired XXXX XXXX XXXX I knew that was most likely a commission paid the week the policy was written and deducted when the policy was cancelled. What bothered me was that someone, I had no dealings with, could purchase Insurance on my home, without my knowledge, burn the house down and collect the insurance. I see no reason for anyone to insure a house they don't own, don't live in or care about for any reason than to destroy it and collect the insurance. If I didn't die in the house would I know? If I did die in the house, would anyone know they collected insurance? Why would PNC Bank pay three times within 5 months without contacting me? They had my e-mail address. I tried to get to PNC for some answers, their wait time, to speak to a representative, begins at 20 minutes and grows. The next blow came when I received the payment coupon books. My primary residence when from {$450.00} to {$860.00} = {$410.00}. The new payment should be {$470.00}. {$390.00} over charging. The rental property payment when from {$450.00} to {$83000.00} = {$380.00}. The new payment, even with the difference in policy premium should be no more then {$710.00}. {$150.00} over charge. This is not an over charge for a year, this is by the month. {$390.00} times 12 = {$4700.00}. {$150.00} times 12 = XXXX for a total of {$6500.00} a year and they pay not interest. | ||||||
| 08/12/2019 | Yes |
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Web | |
| My name is XXXX. I came to XXXX in XX/XX/XXXX. I had worked in XXXX XXXX as XXXX XXXX in XXXX XXXX for more than 25 years. I retired early and my income relies on rentals from rental properties. Since XX/XX/XXXX, I use PNC Bank for my primary banking including checking, saving, and home equity loan. In the last 10 years, I always go to the branch at XXXX, PA. I could never have imagined this could happen to me. The misrepresentation by PNC Bank resulted in {$65000.00} loss. I have been trying to communicate with PNC about this issue but PNC bank is no longer responding. The pain is so severe for me to endure that I have to file this complaint and seek help from Consumer Financial Protection Bureau. Targeted by a scammer on XX/XX/XXXX : In the morning of XX/XX/XXXX, I received a call from XXXX saying I had an unclaimed package at XXXX XXXX. Since I just returned an online ordered dress recently, I pressed 9 for a Customer Service Representative. The phone was transferred to a police officer, XXXX from XXXX XXXX at XXXX XXXX XXXX XXXX ( showing his ID through XXXX, a message and social medial app ). He claimed that he is investigating 5 fake US passports in the package that associated with an investment fraud I organized. All victims lose their money. One of victims who cant bear the loss so she jumped off a building and died. He showed me the Arrest Warrant issued by XXXX Government with my name on it. I was terrified by the brutal death and potential criminal charges that could ruin my life. To prove I am innocent and this is an identify theft, I started to communicate with the Officer XXXX with supporting documents to show my creditability. Next day XX/XX/XXXX, the Officer XXXX demanded a private hearing scheduled on XX/XX/XXXX with two XXXX investigators coming from XXXX and one US official from ICE ( U.S. Department of Homeland Security Immigration and Customs Enforcement ). He demanded {$65000.00} on parole for this private hearing. If investigation determined that I was innocent, the money will be returned to my PNC bank account. Initially I was hesitate to send money over. He then threaten me that if I am not cooperative, the XXXX government will order bank account freeze under XXXX-US treaty agreement. After hearing that I deeply worried that my rental business could be in jeopardy if all my accounts were being frozen. Wire Transfer at PNC Bank I have never wired money outside US including XXXX and did not even know if PNC bank was capable to wire the money to XXXX. I went to PNC branch at XXXX, PA for consultation and met the representative, XXXX XXXX I asked him how safe this international wire transfer would be. XXXX explained how XXXX XXXX works. Fund will be verified through XXXX XXXX first before it is deposited to the recipient bank. If I wired money today ( XX/XX/XXXX ), the Date Available for the recipient would be on XX/XX/XXXX. Since the hearing date was scheduled on XX/XX/XXXX and Data Available of fund to the recipient is on XX/XX/XXXX, the recipient would not be able to pick up the money even after the private hearing is over. I felt it was safe to wire the money to the XXXX XXXX XXXX ( XXXX XXXX XXXX ) so I can start to work with the XXXX government for this investigation and avoid my accounts being frozen. XXXX also pointed out the wire instruction I had is lacking the recipients home address. I greatly appreciated his advice and stepped out the branch. I contacted the Officer XXXX again to confirm the hearing date to be on XX/XX/XXXX and also obtained the recipients home address. The Officer XXXX warned me that I must keep this investigation confidential because anyone who is interacting with me is subject to this investigation. I returned to the branch and showed XXXX the information he needed. XXXX also asked me the purpose of this transfer. Under the fear I cant tell him the truth. Seeing my hesitation, XXXX suggested you just needed to put down something, how about helping family member with purchasing a house. I appreciated his help and agreed to put down this as the purpose. I signed the International Transfer Agreement. XXXX processed the wire transfer of {$65000.00} from my checking account at XXXX XXXX on XX/XX/XXXX. He also printed out the Receipt for me, see Attachment. I saw Data Available was clearly stated as XX/XX/XXXX ( 10 days from wiring transfer day ) then I left the branch. Rescue the Fund : After the money was wired, my fears went away. In the evening when I followed up with the Officer XXXX for the location of hearing, I found out he was not able to provide it. Suddenly I felt unease and started to question the validity of the whole story. I called PNC bank immediately just want to stop the transfer. Unfortunately the bank was closed for the day and will reopen at XXXX XXXX next morning. I stay awake whole night under tremendous stress. I called PNC customer service at XXXX XXXX next day and reported this wire fraud to a customer service representative ( name was not written down ). She said the wire department will not open until XXXX XXXX While waiting, this representative filed a Security Incident Alert Report ( reference no. XXXX ). She ensured me that someone from PNC Security Department will contact me within 24-48 hours. At XXXX XXXX, I called wire transfer department at PNC, the representative XXXX XXXX picked up the phone. I explained the situation and asked her to send a recall request with warning of wire fraud to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I mentioned that I had already filed a Security Incident Alert Report with PNC. She processed the recall request while we were on the phone. I mentioned the chance to get money back would be high because the Data Available was on XX/XX/XXXX ( 9 days from now ) and the money was just wired less than 24 hours ago ). To my surprise, XXXX said once the money went into the XXXX XXXX, PNC will have no control when the money will be picked up by the recipient. I was shocked with disbelief and very scared. Right before I hung up the phone with her, I double checked with her to make sure she had included an alert statement of wire fraud in the recall request. She ensured me that she added that statement in the Comment section of the recall request. After hung up the phone with XXXX, I immediately went to the PNC branch at XXXX and met XXXX again. I told him this was a wire fraud and I had requested a recall. XXXX checked the Receipt of wire transfer and pointed out Date Available to the recipient was on XX/XX/XXXX. He ensured me that I should be able to get money back. He printed out the recall statement created by XXXX for me. Although I got two different versions on Data Available from XXXX and XXXX, I did not want to take a chance. I stepped out the branch and called XXXX right the way. The local policeman cant do anything except filing a police report # XXXX. I called PA Trooper but no help was offered. I called FBI. I was instructed to file an IC3 Complaint Referral Form online. At XXXX XXXX, shortly after I filed, I received a call from a local FBI agent, XXXX XXXX. He told me that he had already forward the form I filed to US FBI Headquarter. HQ will contact XXXX XXXX XXXX ( XXXX XXXX, XXXX ). If money is still in the Federal Reserve system, Federal Reserve can freeze the fund. While I was trying to rescue the fund, the Officer XXXX contacted me 7 times through XXXX from XXXX XXXX to XXXXXXXX XXXX to check the payment status. I was also keeping communication line open with him in order to sense his movements. At XXXX XXXX, he contacted me the last time saying that the fund has been returned to my PNC account at XXXX XXXX because he considered that I was not willing to attend the investigational hearing. He had forwarded the order of bank account freeze issued by XXXX XXXX to my email ( all lies ). I assumed that he had successfully picked up the wired money at XXXX XXXX, 7 hours after I requested the recall. Loss Confirmed : In the morning of XX/XX/XXXX, XXXX XXXX from FBI called me and confirmed that a FBI agent at XXXX XXXX immediately went to the XXXX XXXX XXXX at XXXX XXXX after receiving the notification from US Headquarter but the money had already been picked up by the recipient. I was so devastating beyond measure. I called XXXX at PNC and told him my wired money was gone. I questioned the term of Date Available on XX/XX/XXXX. After consulting his supervisor, XXXX came back with a new interpretation it means the fund will be guaranteed after XX/XX/XXXX but it can also be available before XX/XX/XXXX. I was so upset after hearing this cover-up. I then reviewed the recall statement generated by XXXX and found out that she did not include the warning of wire fraud statement in the Comment section as she promised, see Attachment. There is no proof that XXXX XXXX XXXX ( XXXX XXXX XXXX ) had received the recall request from PNC Bank. The Safety Alert Department in PNC never contacted me. Complaint Reported to PNC : After no further response from XXXX XXXX from the branch office of PNC, I called PNC Bank at XXXX on XX/XX/XXXX and reported this complaint. After the third transfer, my case was escalated to the Executive Relationship Manager, XXXX XXXX at PNC Bank. XXXX contacted me by phone and promised to investigate this case including trying to contact XXXX XXXX XXXX ( XXXX XXXX XXXX ). XXXX was not able to find information on the Security Incident Alert Report in the system. Since that phone call, XXXX has not communicated with me despite of my follow up email and phone calls even though she was working in the office. | ||||||
| 04/16/2021 | Yes |
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Web | |
| I initially started this process on Wednesday, XX/XX/2021, however due to circumstances, I was able to complete this process today, XX/XX/2021. My Experiences with PNC XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX I have had a bank account with PNC for years. The last four numbers of the account number is XXXX. There are several issues and concerns. I am writing about most significant ones in this process. 1. PNC does not process and post transactions in a transparent way, that can be verified by me, the consumer. 2. PNC punitively delays processing and posting transactions in my account. 3. PNCs policy of a supervisor or representative returning a phone call in 24 to 48 hours is insane! When a customer has a serious issue with regards to bank activity, the bank should make yourself available to speak to the customer immediately. 4. PNC delays responding to my concerns via the callback within 24-48 hour narrative. How would bank officials like their checks to be delayed posted and or processed for 24 to 49 hours after the official expressed a concern about the check amount? I have experienced and documented PNC deliberately and intentionally not providing full identification and disclosure of, delaying processing and posting of transactions within my account, money taken out of my account fraudulently by PNC Bank, and PNC Bank doing punitive acts of denying me access to an online banking account that I had with PNC. That PNC closed my online banking account and then requested and required that I give them total access to my phone, all my data, photos, contacts,? To reopen the account is horrific. After I denied PNC access, they denied me access to online banking. They then flipped the script to appear as though they did not deny me access to on line banking. Their narrative was that I could access online banking, IF I agreed to allow them unlimited access to my phone, data, contacts, etc. I refused. Therefore I do no longer have online banking service with PNC. With the only access I have to my account being voice mail, and recorded phone calls, I experience PNC punitively delaying processing and posting transactions in my account. Delay of processing and posting to my account on several occasions and of late, has become the norm with PNC. PNC Bank, delaying processing and posting transactions in the account, and their gangster bankster policy, narratives and practices MUST STOP! I stopped using PNC online banking several years ago because without my direct knowledge and or consent, PNC closed my on line banking account. When PNC offered to reopen online banking access to me, they had a list of demands of me, for them to reopen the account that they closed. Included in their demands was that I give them unlimited access to my phone, all my documents, data, photos, etc. When I refused to grant them access they requested, they refused to allow me to reopen my online banking account that they had closed. I opened an account with XXXX Bank and have online banking service with XXXX Bank. It more appears that PNC and XXXX Bank are collaborating, coordinating, communicating, and working together and are accomplices in what amounts to manipulation and control of my finances, access to my finances and manipulation of processing and posting transactions. On Monday XXXX XXXX, XXXX online banking that I have with XXXX Bank, I transferred {$35.00} and {$100.00} from PNC to XXXX Bank. Neither PNC nor XXXX Bank posted those transaction ( to me ) as processed until Tuesday, XX/XX/2021. XXXX Bank posted the transaction, PNC had not. XXXX Bank posted the transaction in my online banking account on Tuesday. PNC had not posted nor processed the transaction via their voicemail system. PNC did not post nor process those transactions until, Wednesday, XX/XX/2021. XXXX days after the transaction at the very moment when I transferred the funds FROM XXXX Bank, today Wednesday XXXX XXXX. I called PNC today, Wednesday XX/XX/2021 and spoke with XXXX. After I expressed my concerns the call was abruptly disconnected. I called a second time and spoke with XXXX. She stated that PNC doesnt process transactions until they are given a receipt. I called PNC a third time and Niar, refused to allow me to immediately speak with a supervisor, stating that she would, Escalate a complaint and a representative would contact me in 24 to 48 hours. PNCs do dirt and delay speaking about it tactic has been recorded and documented by other PNC customers. I experience their tactics. I have repeatedly called PNC and articulated my concerns with their tactics on recorded phone calls. They think and have written their policy that if they record the phone call, they talk sugar honey Ive tea, If and only if they record the call. If they are informed that the call is recorded, they immediately hang up the call and refuse to speak their sugar honey ice tea narratives NOTE : PNC XXXXecords calls for quality assurance and training, however If informed that the call is recorded, PNC representatives immediately hang up the phone, so that their rudeness, crudeness and shrewdness is not documented to prove the exact nature of conversations that a customer has with PNC. I have repeatedly told PNC that I do not complain. Their system identifies expressions of experiences to PNC as complaints. I have given PNC many opportunity to self correct, they refuse. After, having expressed to PNC my refusal to allow them car blanc access to my phone, data, contacts, etc., PNC voice mail system, seldom fully identifies all merchants, and their system delays processing and posting transactions that cause and or potentially cause my account to go into overdraft status and or in some sort of punitive way, my account gets hit. When I call PNC and ask PNC to identify merchants, their response is that they will escalate a complaint to which, to this very day, they have done nothing. At one point in time they did identify every merchant. They stopped and now, their system XXXX banksters. They still do not fully identify each and every merchant via their voice banking system. Their lack of transparency with regards to what they are doing, has been documented in other complaints lodged against them. I have waited for years for PNC to self correct. Note that XXXX judgment is upon the earth, XXXX judge and exact justice! I am requesting that an independent investigation of my specific PNC account, and other PNC accounts throughout their system of ALL XXXX and XXXX people, be conducted. I am requesting that PNC immediately cease and desist from delaying posting and processing transactions in my account. I am requesting FRB, FDIC and the Securities Exchange Commission to investigate my claims and monitor my account with PNC. I am requesting that PNC return every penny that PNC has falsely taken out of my account over the years y that I have had the account with PNC. I am requesting PNC to immediately respond to my concerns, given that PNC online banking services are not accessible to me. In the past, PNC regularly took money out of my account with fake transactions that I did not authorize nor agree to. At the beginning of that time I was in XXXX, Delaware and had been hospitalized. There was thousands of dollars taken out of my account by PNC. At this point, I have, do and will continue to document my experiences with PNC. After giving PNC opportunity to self correct, I have made known to my XXXX XXXX and now am doing so to you, what my experiences have been and have continued to be. The majority of people I see, employed by PNC have been white peoples. Most of whom, are system soldiers, who act privileged and or disrespectful in a nice/nasty way. On the same day, XX/XX/2021, that I had the rude experience with the three XXXX PNC phone center representatives, I went to a drive thru and made a request to a XXXX male teller. He apparently gave the task to the XXXX female to process my transactions, without saying a word to me, that he was not doing the transaction. I sat and watched every car that was in the drive thru, get served and leave as I waited for the transactions I requested to be processed. That happened right after I had called and spoken to the three call center reps, who recorded, and post calls, complaints, etc. in their records. I am making known my experiences and concerns to the banking regulatory authorities to investigate and settle my claims. Because XXXX is my XXXX XXXX, I do not fight men and people. XXXX fights all my battles and XXXX REIGNS! YHWH does! PNC, has been given opportunity to self correct. With XXXX judgment upon the earth, it is wise for PNC to self correct. Because the toxic social, economic, and political is being exposed and ridden from the earth, as XXXX XXXX come, before XXXX Judgment and justice is exacted against PNC, All banking, and regulatory agencies are given opportunity to ensured our are doing what is right, good and true as you investigate, judge and exact justice. All will and are being judged and justice is served! XXXX, XXXX XXXX XXXX Reigns! | ||||||
| 03/29/2019 | Yes |
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| To Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN RE : Complaint against the PNC Bank NA., Transection Code # XXXX Dear, CFPB Authority XXXX I am a victim of fraud and scam. I wired {$32000.00} from the PNC bank, XXXX, MI to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX ) on XX/XX/XXXX at XXXX XXXX EST. The transection Confirmation number # XXXX. After the transection, within the 5/10 minutes I realized that it was a mistake and immediately within 15/20 minutes I went back to the Bank. I asked Mr. XXXX, the banker who completed the initial transection to cancel my wire transection. Mr. XXXX, denied the cancelation and dismissed me. I was in XXXX and felt XXXX XXXX XXXX XXXX. I was heartbroken and distressed and disappointed. The banker did not help me nor advice me what should I do. Then I went back to my home branch of PNC in XXXX, Michigan. I was denied the service and been mistreated by the local bank manager as well as. lack of professionalism and absent of professional conduct and dismissive towards me was most challenging than my financial loss. I was dismissed and discriminated on my rights to cancel within the 30 minute clause that was printed on the receipt. Meanwhile we been to few different PNC branches location to seek help. I demand that the PNC would be investigated for breaching the contract of " 30 Minutes Clause '' as well as their " Punitive & reckless action of denying my federal rights of Consumer Protection '' After 2 months of battle between me and the PNC bank I was denied any legal help and service and I received email from them that they can do nothing about the funds. Also the executive top officials informed me that they are not responsible for the funds. I understood, that I was given a receipt which clearly states that, I quote " You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. '' Me, my family we suffered just not only financial hardship but the added reckless treatment from the PNC, a corporation of financial industry 's discriminatory dismissive unreasonable conducts which is a violation of my " Consumer Financial Protection rights '' a federal right reserved by the Bureau of Consumer Financial Protection. Here are the five claims against the PNC I am seeking justice from : Claim ( 1 ) Breach of Duty : # The PNC Bank know or should have known that the transection is cancelable and fully refundable as long as the a consumer cancel any transection within 30 minutes, unless the funds have been picked up or deposited. Merit of my claim : On XX/XX/XXXX at XXXX XXXX, I XXXX XXXX completed the transection and I was given the receipt. I left the bank immediately and I realized the transection is not good for me and I need to cancel the transection. I sat inside my car and I didn't know what to do but after checking the receipt and speaking to my family I was advised that I should go back to the PNC Bank and request for the cancelation. I believe at around XXXX XXXX- XXXX XXXX I went back to the same bank cashier ( Mr. XXXX ) and asked him to cancel the transaction and I asked for refund of {$32000.00}. I was dismissed and denied even I had the receipt and I went there within 30 minutes. As because their reckless disregard action I was denied my federal " Consumer Financial Protection Rights ''. The PNC Bank must be held libel for their federal violation and must be compel making sure they do not deprive any one again in near future. PNC Bank has a Duty to perform and follow the contract ( the receipt ). PNC Bank was being negligence. PNC Bank breached the duty and that caused the damage of my {$32000.00}. Therefore, they should pay me back {$32000.00} and nay other incurred amount that would be added for the time from XX/XX/2019 until the refund. Claim # ( 2 ) Punitive Damages to deter the wrongdoer : A claim of Punitive damage in nature against the PNC Bank to uphold the federal standard of Consumer Financial Protection. Merits : As a client of PNC Bank I was mistreated, I was dismissed, I was denied my service, I was denied my rights, I was bullied and discriminated by the PNC banking System. PNC created a total XXXX XXXX and financial hardship from their misconduct and misappropriation of funds and the suffering of Infliction of XXXX XXXX causing by their punitive nature in conduct. The bank Manager of XXXX Branch discriminated me when I went to resolve the issue. I was denied my consumer protection right at the initial bank where I made the transection. Matter of fact, I was un welcomed and the manager did not even offer me to sit and did not allow me to enter his room, it was a total disrespect, unprofessional and mistreatment from a corporation like PNC BANK NA., ( Corporate headquarters at XXXX XXXX XXXX, XXXX XXXX PA XXXX ) and their local branch in XXXX XXXX XXXX MI, USA . I demand a judgement for Punitive damage. I demand and claim that making sure in future, not only PNC Bank NA., but also any other financial corporation do not mistreat and misappropriate when it is consumer rights. This is so important for the public policy and to up hold a very consumer federal rights I am seeking this punitive damage for the purpose of deterrence. Claim # ( 3 ) Intentional Infliction of XXXX XXXX : Intentional Infliction of XXXX XXXX : Since XX/XX/XXXX I have been suffering from XXXX XXXX. The XXXX of XXXX XXXX ( XXXX ) caused by the reckless financial action and conduct by PNC Bank and it's employee. The PNC Bank have a duty to safeguard the clients and their financial status as long as permitted by the rules, regulations of federal and sates codes and statues. In the entire time of past 10 weeks, my family and I, we as a family been deprived from the financial freedom and added the XXXX XXXX causing me emotionally impaired. Merits : I am having XXXX XXXX, I am having lack of sleeping, I am having loss of appetite, I am having lack of confidence and overall I am dehumanize by the PNC Bank and it's employees. I assert that PNC bank is solely responsible for my XXXX XXXX. I demand Justices and seek remedies. Claim # ( 4 ) Negligence Claim : Merritt : PNC Bank and it's employee had a duty to refund me the full amount of {$32000.00} within the 30 minutes of cancelation and they denied me from my service and rights. As a financial organization and a corporation their duty is higher than any individual and the employee of an organization is treated the representative of the PNC Bank, therefore the PNC failed to follow XXXX simple direction which is their negligent action and such conduct of negligence should not be tolerated due to the public policy and because of their higher burden of duty, it's very clear and convincing that PNC Bank NA was negligent in their action on XX/XX/XXXX. Therefore, The PNC Bank NA., should be found liable for negligence claim against their corporate misconduct and employee misappropriation 's of clients ' funds. Claim # ( 5 ) Consumer funds misappropriation Merritt : The PNC bank NA failed to properly handle its client 's funds and still today I have no knowledge and idea when and how I will be able to get my money back from the PNC Bank NA., or not. It is clear and there should be no doubt that PNC Bank misappropriated my funds whereas the cancellation of the transection would be fairly a norm and easy process, yet I was denied that simple process and I met the requirement of full refund which is a 30 minutes window of cancelation. I demand that PNC Bank must answer to the federal authority for their consumer funds misappropriation. Conclusion : 1. Breach of Contract ( Violation of 30 Minutes window ) : I demand full refund of {$32000.00}. 2. Violation of Federal Consumer Financial Protection Rights : I demand Punitive Damages & establishment of Public Policy. 3. Intentional Infliction of XXXX XXXX : The employee 's action was so reckless and dismissive on purpose and volitional that caused me and I sustain Emotional Distress. I seek torts claim against the PNC Bank. 4. Negligence Claim : Due to PNC Bank 's negligence action I sustained financial harm and still I am suffering from their negligent conduct. I seek negligence claim against PNC Bank NA., and it is clear and PNC banks negligence caused me all the harm and mental and emotional tortures and suffering. 5. Consumer funds misappropriation : PNC Bank NA., has misappropriated my funds, sums of {$32000.00} and they must be hold accounted for. I demand full refund of my funds plus the bank should be held liable for their action as well as they must be deter from the future conduct of " Consumers ' Funds Misappropriation ''. Request for Relief : Please advice me how I can get my {$32000.00} back and the government must take appropriate action to deter PNC Bank from future misconduct and misappropriation that I seek punitive dames and remedies for all above claims. Thank you. ( Victim of a Corporate Misappropriation and violated my federal Consumer Financial Protection Rights ) | ||||||
| 02/23/2022 | Yes |
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| On or about XX/XX/XXXX I received an email from PNC Bank stating that my account went into overdraft - {$5500.00}. Confused, I then realized that that my debit card was stolen. The first thing I did was check my online account and seen that I had a negative balance in my account of - {$5500.00} and transactions on it that I did not make. I contacted PNC customer service and made a report that my card was stolen and that there was fraud in my account transactions. They told me that a fraud specialist would be in contact with me however no one ever called me. By XX/XX/XXXX I still did not speak to anyone so I called PNC customer service back and they transferred me to a fraud specialist after three attempts, name unknown, who stated that my account would go under investigation and that they would keep in contact, however they did not. On or about XX/XX/XXXX, I filed a dispute with XXXX XXXX because I see multiple fraudulent charges from my account to a XXXX XXXX not authorized by me. While the charges were not from my XXXX XXXX account that I use, the funds clearly came out of my bank account. XXXX XXXX made a determination that the transactions in question were from a known device and that the device had accessed the XXXX XXXX account prior to this event, that the transactions were authorized and therefore denied my claim. This dispute was reopened XX/XX/XXXX. All XXXXXXXX XXXX could tell me was that the funds went to XXXX XXXX XXXX XXXX and to dispute it with my bank. To reiterate, I did not authorize any of those transactions nor did they come from my XXXX XXXX account. In or around XX/XX/XXXX, I received a substitute check in a PNC envelope via mail which was made out to my name from a XXXX XXXX with a signature on the back of my name, which was not signed by me. I am unfamiliar with these processes and did not know what it was for or from. I initially thought perhaps the XXXX XXXX was the specialist working on my case from PNC and maybe she issued a check to return funds to my account however, as I still had not heard from anyone at this point, I did nothing with the check for the time being. A few weeks later I received a notice in the mail from PNC that my bank account was being closed due to a negative balance of - {$5500.00} and that this amount was being sent to collections. Again, no one has reached out to me with a status or disposition on my investigation in which I was under the assumption was still being investigated. Confused, on XX/XX/XXXX, I went to a PNC branch located on XXXX XXXX seeking answers. After sitting down with a member specialist, I received a print out from my closed account and was able to view the transactions in more detail. I learned that the forementioned check was not issued from PNC. This fraudulent check was made out to my name in the amount of {$9100.00} on XX/XX/XXXX, with a signature on the back that was not mine and the person attempted to deposit this check into a PNC ATM in XXXX XXXX, PA. This check was return as it was fictitious and that is why I received a copy of the check, substitute check in the mail. The person then proceeded back to the PNC the next day XXXX, XXXX, XXXX to withdraw {$500.00} which initially put my account in a - {$500.00}. There then proceeded to be ten ( 10 ) {$500.00} transaction attempts with my debit card all on XX/XX/XXXX which was rejected-hard hold by PNC. Not once did PNC alert me of this fraudulent activity or hard holds on my account. On this same day, the person proceeded to make transactions via XXXX XXXX which somehow all were successful putting my account further in the negatives. A total of ten ( 10 ) charges were made from my account to XXXX XXXX, each in {$500.00} increments all made on XX/XX/XXXX. Again, not once during this period did PNC bank contact me or alert me of suspicious activity on my account. I still am unclear how the perpetrator was able to successfully make the transactions from my account if I did not have the funds. Nevertheless, the PNC member specialist was unable to help me or inform me of the disposition of the investigation. All the member specialist stated was that the investigation was closed due to fraud activity and that she could not give me any more information and suggested I contact customer service via phone. After countless calls to PNC between XX/XX/XXXX and XX/XX/XXXX and constantly being transferred from person to person, on XX/XX/XXXX I finally reached a member representative via phone by the name XXXX who informed me that my dispute with PNC was denied and that the investigation was closed on XX/XX/XXXX. I discussed with XXXX my frustration and confusion as I have been left in the dark throughout this entire process. XXXX stated that she was escalating my case to a supervisor who would get back to me in 24-48 hours as not even she could give me answers. To date, I still have not been given answers. I have not even received a disposition on my case in detail, no paperwork regarding my investigation request or more importantly, no answers as to what occurred on my account during this period. I am a victim of fraud but instead of PNC keeping me informed throughout the process, they have left me in the dark, distressed and now petrified that an outstanding balance that I did not incur was sent to collections. Throughout this process, I have been getting the run around. I do not understand, if the perpetrator made the deposit and was able to make a withdraw at a PNC bank ATM, as an investigator, why wasnt the security footage reviewed at that location? If someone falsely signed my name on the back of a check, why wasnt the handwriting examined against prior documents/checks I have signed. If transactions were made via XXXX XXXX, why was the IP address from that account examined? And lastly, if I reported the fraud and it was under investigation, why did this fraudulent balance proceed to collections? It is evident that my rights have been violated and my complaint was not thoroughly investigated. Timeline of Events : XX/XX/XXXX -I seen an email that my account went in overdraft. I then realized by debit card was stolen. I checked my online account and it showed my account in - {$5500.00} ( overdraft ). I contacted PNC customer service to report my card stolen and the fraudulent activity on my account. I was told that that someone one be giving me a call however, no one ever called me. XX/XX/XXXX -I contacted PNC Customer Service again and was then transferred to a fraud specialist who stated my account would be under investigation and that she would be in contact, however, no one was ever in contact with me XX/XX/XXXX - dispute filed with XXXX XXXX Around XX/XX/XXXX, I received a substitute check in a PNC envelope via mail which was made out to my name from a XXXX XXXX with a signature on the back of my name, which was not signed by me for {$9100.00} XX/XX/XXXX went to PNC BankXXXX XXXX XXXX location and met with a member representative who was only able to tell me the investigation was closed due to fraud activity and suggested I contact PNC customer service via phone. She also provided me with a printout of the account activity during this period. Upon reviewing the activity, the following was discovered : 12/9/21-fradulent check made out to my name from a XXXX XXXX with a signature of the back with my name but not signed by me. This check was deposited into PNC bank ATM at XXXX XXXX XXXX This check was rejected and returned XXXX {$500.00} was withdrawn from my PNC account at the PNC Bank ATM in XXXX XXXX putting my account in a - {$500.00} XXXX ( 10 ) transaction attempts made, each in {$500.00} increments with my debit card all on XX/XX/XXXX which was rejected-hard hold by PNC, unknown location XXXX ( 10 ) charges were made from my account to an unknown XXXX XXXX, each in {$500.00} increments all made on XX/XX/XXXX, successful. XXXX tried reaching PNC Customer Service fraud specialist department but was told the department was closed and to contact the Charge of Accounts department on Monday XX/XX/XXXX XXXX tried reaching Charge of Accounts department but it was closed due to holiday The following occurred on XX/XX/XXXX : Contacted Charge of Accounts department and was told it was not the place I should be contacting, transferred me back to customer service. Customer service transferred me to an unknown department who after about 45 minutes of being on hold, it got disconnected again Contacted PNC Customer Service again, Representative stated there was not a name for the investigator who was on my case but gave me the phone number to reach them at XXXX XXXX answered this number after several attempts Contacted PNC Customer Service again , spoke with Representative XXXX regarding this case. She stated my investigation was closed on XX/XX/XXXX and that there was not much she could tell me but that she would escalate my case to supervisor who would contact me in 24-48 hours. She also stated if I did not hear from anyone by Thursday to call back to contact them back | ||||||
| 06/28/2023 | Yes |
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SEE MY ATTACHED FILE PNCBANK FOR EASIER READING.
XXXX : >> REFER TO DOCUMENT LABELLED XXXX << XXXX - REVIEWED CHECKING BALANCE PRIOR TO PAYING RENT & DISCOVERED FRAUDULENT CHARGES TOTALLING {$4900.00} FROM XXXX. CALLED PNC, REQUESTED FRAUD DEPT. AND SPOKE WITH XXXX. I FILED 3 DISPUTES : {$990.00} ( # XXXX ), {$1900.00} ( XXXX XXXXXXXX ) & {$1900.00} ( XXXX XXXX ). SHE ACKNOWLEDGED CANCELLING ONE DISPUTE ( POSSIBLY ENDING IS XXXX? ) BUT SHE ASSURED ME THE 3 PREVIOUSLY NOTED WERE ACTIVE. RESOLUTION WOULD TAKE 10 BUSINESS DAYS. I XXXX XXXX & FOUND XXXX XXXXXXXX FOR CUSTOMER SERVICE. THEIR VOICE MENU WOULD NOT ALLOW ME TO SPEAK WITH A HUMAN SINCE I HAD NO ACCOUNT.
XXXX XXXX ( APPROXIMATELY ) - SPOKE WITH XXXX XXXX ( PNC XXXX XXXX XXXX ) WHO SAID IT WOULD TAKE 24 HOURS TO CLEAR MY OLD CREDENTIALS SO I COULD RE-ENROLL WITH NEW USER ID & PASSWORD. SHE PROMISED TO CALL BACK WHEN THIS HAD BEEN DONE. SHE KEPT HER PROMISE.
XXXX : XXXX FROM PNC XXXX XXXXXXXX HAD TO ASSIST IN RESETTING CREDENTIALS BECAUSE OLD ONES WOULD NOT GO AWAY. HE CONFIRMED MY 3 DISPUTES WERE ACTIVE.
>> REFER TO DOCUMENT LABELLED falsewithdraw & cards << I RECEIVED A LETTER DATED XXXX THAT MY DISPUTE HAD BEEN WITHDRAWN!! THIS IS ABSOLUTELY NOT TRUE!! THIS WAS AN ERROR BY XXXX WHO BROUGHT UP THE TERMINOLOGY MOBILE BANKING VS. ONLINE BANKING. I CONFIRMED AT THE TOP OF THAT CALL THAT I USED ONLINE BANKING. ALL MY ACTIVITY ON THIS ACCOUNT HAS BEEN ONLINE. I WOULD NEVER USE MOBILE BANKING DUE TO POTENTIAL HACKING WITH WIFI!!!
NOTE : THIS DOCUMENT ALSO SHOWS BUSINESS CARDS I GOT FROM ALL THREE ASSOCIATES @ PNC XXXX XXXX XXXX ( XXXX REFERRED TO AS " XXXX '' ) THAT I WOULD PERSONALLY SPEAK WITH ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) HAD THE SAME PHONE # OF XXXX, FAX # OF XXXX, ADDRESS OF XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX AND SAME E-MAIL FORMAT WHICH WAS FIRST NAME.LAST XXXX.
XXXX THROUGH XX/XX/XXXX : I SPOKE WITH VARIOUS PNC ASSOCIATES ( XXXX ON XXXX, XXXX XXXX XXXX ON XXXX, XXXX WHO HUNG UP ON ME AND XXXXXXXX XXXX XXXXXX/XX/XXXX, PLUS XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, WHO ALL CONFIRMED I HAD 3 DISPUTES ACTIVE. SEVERAL OF THESE PEOPLE ALSO MENTIONED THAT DISPUTES HAD YET TO BE ASSIGNED TO ANYONE. CHANGED USER ID & PASSWORD TO MY {$0.00} BALANCE XXXX XXXX. I CHECKED ALL MY CREDIT CARDS FOR ILLEGAL ACTIVITY BUT FOUND NOTHING WRONG SO NO USER/PASSWORD CHANGES SEEMED NEEDED.
XX/XX/XXXX : XXXX - CONCERNED THAT THIS WAS THE 10TH BUSINESS DAY & NO RESOLUTION, I WENT TO THE PNC BRANCH AGAIN & SPOKE WITH XXXX XXXX. AT THIS MEETING HE TOLD ME THAT IN FACT DISPUTES HAD BEEN CANCELLED ON XXXX AND I WAS LIED TO BY VARIOUS ASSOCIATES THAT THEY WERE STILL ACTIVE!!
XX/XX/XXXX : I RECEIVED 3 LETTERS STATING THAT THE DISPUTES WERE " RESOLVED ''. THERE'S A PARAGRAPH THAT READS : " YOU HAVE THE RIGHT TO REQUEST ANY DOCUMENTS THAT WE RELIED UPON IN MAKING OUR DECISION. '' NO SUCH DOCUMENTS WERE ATTACHED TO ANY LETTERS. TO THIS DAY NO ONE HAS EVER PRODUCED SUCH A DOCUMENT DESPITE REPEATED REQUESTS BY ME DURING OFFICE VISITS & PHONE CALLS!!!
XX/XX/XXXX : XXXX REFER TO DOCUMENTS LABELLED XXXX-XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX WERE SIGNED BY ME IN XXXX XXXX 'S OFFICE DENYING I MADE THESE TRANSFERS. I ASKED HIM IF IT WAS NECESSARY TO CLOSE MY ACCOUNT & OPEN A NEW ONE. HE SAID THAT SINCE NO FURTHER BREACH HAD OCCURRED & USER/PASSWORD HAD BEEN CHANGED, THAT CLOSURE DIDN'T SEEM TO BE NEEDED.
XXXX XXXX XXXX - RECEIVED E-MAIL & PHONE MESSAGE FROM XXXX XXXX ( XXXX ). CALLED BACK TO GET HER VOICE MAIL. AS WITH EVERY MESSAGE I'VE LEFT THUS FAR, I PROVIDED MY HOME # AS WELL AS CELL #.
XX/XX/XXXX : XXXX ( APPROXIMATELY ) - SPOKE WITH XXXX. REQUESTED XXXX XXXX TO CALL ME XXXX XXXX XXXX ON XX/XX/XXXX.
XX/XX/XXXX : XXXX XXXX - CALLED BACK & SPOKE WITH XXXX. SHE CONFIRMED THAT THE XXXX XXXX CALL I REQUESTED ON XX/XX/XXXX DID NOT HAPPEN. ASKED FOR A CALL BACK AT XXXXXXXX XXXX TODAY.
XXXXXXXX XXXX ( APPROXIMATELY ) - RECEIVED AN ANSWERING MACHINE MESSAGE FROM XXXX DELIVERED IN A FAINT VOICE. THIS CALL XXXX - A CALL CAME THROUGH, RANG ONCE, WHEN I WENT TO ANSWER IT THERE WAS NO ONE THERE & NO MESSAGE LEFT. HIT REDIAL & WAS CONNECTED TO XXXXXXXX XXXX VOICE MAIL.
XXXX - GOT A CALL BACK FROM XXXX XXXX & PNC ( XXXX ) CONCURRENT TO THE CALL INTO EXECUTIVE CLIENT RELATIONS ( ECR ). HE PROMISED TO CALL ME BACK @ XXXX XXXX TODAY.
XXXX - SPOKE WITH XXXX. WENT THROUGH THE WHOLE SCENARIO OF IDENTIFYING WHO I WAS, ACCOUNT #, ADDRESS, ETC. ASKED TO SPEAK WITH A MANAGER. THAT NEVER HAPPENED. ALL HE TOLD ME WAS THAT XXXX WAS " WORKING ON IT ''. TO DATE SHE HAS NEVER CALLED ME BACK ON MY CELL # I PROVIDED.
XXXX REFER TO DOCUMENT LABELLED accountactivity << XXXX (? )- FINALLY DURING A PHONE CALL TO XXXX SHE INFORMED ME THAT MY MONEY HAD BEEN RESTORED ON A TEMPORARY BASIS TO MY ACCOUNT PENDING FURTHER INVESTIGATION.
XX/XX/XXXX : XXXX - WENT INTO MY PNC ACCOUNT & DISCOVERED THE 3 TRANSFER AMOUNTS WERE AGAIN REMOVED FROM MY ACCOUNT CREATING A $ XXXX BALANCE.
XXXX REFER TO DOCUMENTS LABELLED accountactivity, XXXXXXXX XXXX, & XXXX | ||||||
| 04/17/2023 | Yes |
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| I am accusing PNC of dual tracking my mortgage from XXXX, charging excessive fees after refusing final trial payment of approved modification, and then accelerating my loan and proceeding with foreclosure before my modification request was denied or time allowed for appeal. In addition to failing to credit more than {$11000.00} in payments, inaccurate credit reporting, and failure to respond to Notice of Error letters in allowed time or at all. The mishandling and deceptive actions by PNC spanned over years and caused financial devastation for me and my family. We are still suffering from the fallout of their deception. Here is an overview of what happened during that time. Additional documentation, confirmation available on request. I purchased my home in XXXX of XXXX with my then husband, XXXX XXXX. XXXX XXXX and I separated in XXXX and our divorce was finalized in XXXX of XXXX. I was awarded the house and a Quit Claim Deed, signed by XXXX XXXX, was filed with the county. I remarried in XXXX of XXXX and informed PNC of my changed marital status and last name. I reached out to PNC the end of XXXX after I had missed XXXX payment. I filed XXXX XXXX bankruptcy, with my current husband, on XX/XX/XXXX. At the time of filing mortgage payment arrears totaled {$4300.00}. I was then 3 months behind in payments. In all of my communications with PNC I indicated my desire to stay in the home and corrected them in regards to my current legal name. The XXXX XXXX bankruptcy plan mandated I was to pay {$1400.00} a month directly to the bankruptcy trustee. The {$1400.00} was to pay lenders as determined by the bankruptcy court. Current mortgage payments to PNC were part of that order. Additionally I was instructed to continue pursuing my hardship modification request directly with PNC to address the {$4300.00} arrears. I made several attempts to contact PNC regarding my request for modification. I was told that PNC could not speak to me directly and had to go through my bankruptcy attorney. PNC had begun to call myself and my ex-husband numerous times but most times we could only get information if we let the calls ring through to voicemail. If we attempted to answer the call it was dropped before reaching a live person. There was some delay in PNC and my bankruptcy attorney actually speaking because PNC kept calling regarding XXXX and XXXX XXXX. My attorney filed for a XXXX and XXXX XXXX. PNCs failure to change my name in their system resulted in more delays. Once my attorney and PNC spoke and they were given the authorization to contact me directly regarding the modification for past due balances I was given instructions on what to submit to officially apply for a hardship modification. I submitted all requested documentation, including another copy of divorce decree and quit claim deed from XXXX XXXX and marriage certificate from XXXX XXXX to PNC on XX/XX/XXXX. I received a letter from PNC dated XX/XX/XXXX asking for more information and further clarification on certain items. I submitted all documents as requested and on XX/XX/XXXX I received a letter from PNC indicating they had received my complete hardship assistance application on XX/XX/XXXX and I should hear something from them within 30 days of that XX/XX/XXXX date. I received another letter from PNC dated XX/XX/XXXX indicating again that they had received my completed application as of XX/XX/XXXX. XX/XX/XXXX it was determined that I pre-qualified for the Making Home Affordable HAAMP Modification pending the completion of a Trial Period Plan. I was to make three monthly payments of {$1200.00} beginning XX/XX/XXXX with the final payment due on XX/XX/XXXX. At this time the total amount last due on my account was shown to be {$12000.00}. I was continuing to receive monthly mortgage statements and was very confused with the information. It looked like PNC was not receiving any payments towards my mortgage and had not received any payments since filing for bankruptcy. I knew that was not correct because I was getting monthly account details from the XXXX XXXX XXXXrustee. I checked in with my bankruptcy attorney regularly and he confirmed payments were being sent per the chapter plan. In XXXX of XXXX I received a letter from PNC, dated XX/XX/XXXX, that stated this Dear customer, the review of your hardship assistance request has been completed. Unfortunately, as of XX/XX/XXXX we are unable to proceed further with your request for assistance due to the following reason ( s ) : We did not receive your scheduled plan payments as outlined in the agreement. I also received a Foreclosure Notice also dated XX/XX/XXXX. I contacted my attorney immediately and asked if I needed to be concerned about the inaccurate statements and the unclear revolution of the trial period plan He assured me that everything was fine and I was protected by the bankruptcy so I would not lose my home. I received some court papers in the mail in XXXX that indicated my bankruptcy case was being dismissed for failure to complete the trial period plan ( not accurate ) and not having the pre bankruptcy arrears resolved ( direct result of PNC returning final payment ) I later discovered that the trustee sent in several payments to PNC over the life of the bankruptcy case including submitting all three payments as outlined in the TPP. PNC returned the third and final payment and told the trustee the payment was being returned and all other payments should be held because they were granted relief from the automatic stay ( well before they ever approved me for the TPP ) so they were instead Accelerating my loan and the entire balance was due immediately. According to the bankruptcy trustee PNC was sent and accepted more than {$11000.00} on my behalf. PNC could not give me any explanation as to where those payments went. Once the bankruptcy was dismissed ( on PNCs encouraging ) I found myself in an active foreclosure and well behind the eight ball. It wasnt until after I received the Notice of Trustee Sale I was even able to speak to someone at PNC about my account. I contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ) Housing Program and attempted to request mediation but was then informed that PNC is exempt from participating in any mandatory mediation programs. With help from XXXX I requested a meeting with the lender. Days after requesting that meeting I was contacted by someone in PNCs Loss Mitigation department stating my account was back with them. At first they told me I did not qualify for a hardship modification because I failed to complete the previous TPP. I disputed that with the rep and was then contacted days later and was told I needed to submit a hardship assistance request and there had to be recent hardships that didnt exist on any previous requests or I would be denied. Now I want to mention that during this time and up until very recently I have made multiple inquiries as to the {$11000.00} + payments sent in by the trustee. I made a request that they correct my name every single time they called. I was issued a complaint number in XXXX but it still wasnt until XXXX I received a call saying they had changed my name. My ex-husband sent in a declaration and I submitted a quit claim deed, marriage certificate, and divorce decree more than half a dozen times with no response or resolution.. It is unclear the total amount of fees and penalties Ive been charged since this began or even since XX/XX/XXXX when the original permanent modification should have begun. I feel {$11000.00} paid to PNC by the trustee should be refunded to me. I feel PNC should take some accountability for the status of the loan since XX/XX/XXXX. They charged me a whole year of various charges that would not be so had they honored the modification agreement. I had to sell my home so I could purchase a much needed modified accessible vehicle even though I had over {$300000.00} of equity in my home I could not access any of it. I could not get a loan for anything or secure permanent housing after the inaccurate credit reporting, dismissal of bankruptcy, and unlawful foreclosure attempt. I have documentation to verify all statements made and can provide it if requested ( Trustee declarations and motions, attorney conversations, letters and statements from PNC, any items submitted as part of hardship assistance requests, statements form my current or ex husband, etc ). PNC never responded to several Notice of Errors addressing my concerns and any response to credit repair attempts simply say enough information has not been provided to justify an investigation into my claims. If you need to contact me, my currrmt contact information is following this statement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX | ||||||
| 02/12/2018 | Yes |
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| New flood zone maps were being drawn up for our city and went into effect XX/XX/XXXX. When we heard there was a good possibility that our home would now be considered in the flood zone and would be required to purchase flood insurance, we hired XXXX XXXX XXXX, XXXX. to come to the property and take measurements. When he finished measuring my property his exact words to me were, " It's not even close. '' XXXX created a Letter of Map Amendment ( LOMA ) and filed it with FEMA. It went into effect XX/XX/XXXX. Our mortgage with XXXX XXXX was sold to PNC Bank XX/XX/XXXX. PNC sent us letters on XX/XX/XXXX and XX/XX/XXXX stating that we were in the flood zone and would be required to purchase insurance. When we did not purchase flood insurance on our own they purchased it on our behalf. We faxed the LOMA to PNC Bank XX/XX/XXXX. I received a certified letter from PNC dated XX/XX/XXXX stating they reviewed our insurance inquiry but flood insurance was still required. I called PNC and talked to XXXX. She said that the map was dated XX/XX/XXXX and the LOMA was dated XX/XX/XXXX. I called FEMA and talked to XXXX. He said that the maps went into effect XX/XX/XXXX and the LOMA was dated XX/XX/XXXX and that the LOMA was valid. I called PNC back and talked to XXXX. I explained that I had talked to FEMA and maybe PNC had the dates backwards. I received another certified letter from PNC dated XX/XX/XXXX stating that they reviewed our insurance inquiry but the FEMA website has a map with our property in a flood zone. They included a few maps as well as a XXXX XXXX XXXX XXXX Form prepared by XXXX. On this form in section B, box 3 it asks " Is there a Letter of Map Change ( LOMC )? '' They had selected " No. '' I called FEMA again and asked him to review the map and LOMA. " What am I missing? '' I asked. He said, " Your letter is valid and is a legally binding document. If they ignore it, they are in violation. You should report them to the Lending Institution Regulatory Authority. '' XX/XX/XXXX, I called PNC and talked to XXXX. She assured me that she would personally find out what is going on and call me back in 2-3 days. Frankly, I don't understand what they are researching since they should know why they rejected my paperwork twice. In my opinion this " research '' should already have been done if they felt they had grounds to reject the LOMA again and it should be noted on my file. I took a picture of my letter from our previous lender ( XXXX XXXX ) stating that they would refund our flood insurance since we were not in the flood zone according to the LOMA and sent it to PNC. I never heard back from XXXX. I called PNC and talked to XXXX on XX/XX/XXXX. He said, " I see your letter. I will forward that on to the flood review department. You should hear back by XX/XX/XXXX. '' XX/XX/XXXX I called PNC to make sure things are progressing. I talked to XXXX who told me that according to her records they have until XX/XX/XXXX to get back to me. I explained my frustrations : I have called them five times. I have called FEMA twice. Our land surveyor says that the LOMA is a matter of public record and should have been reviewed by the PNC underwriters before they even decided to purchase our loan. FEMA suggested that I report them. The land surveyor, FEMA, and our previous lender all determined that we were not in the flood zone and not required to purchase flood insurance. I want to talk to a supervisor. XXXX said they will need 24-48 hours to get back to me. I told her, " I have waited long enough. I want to talk to someone today. '' No one contacted me. XX/XX/XXXX, I called PNC 's customer service department. I talked to XXXX and asked her, " Who do I talk to about a complaint? '' I explained the situation to her. She said she would review everything, find out what's going on, and call me back that day. I called customer service just before closing to see if XXXX had any answers for me. I talked to XXXX who said that a supervisor from PNC insurance department will be calling me tomorrow. This is terrible customer service. If I had a choice I would take my business elsewhere. If there is a problem with the paperwork, a courtesy phone call would have been appreciated. These letters that they sent me don't tell me what the problem is - just that I should talk to FEMA which I have twice. They don't see any problems. I can't get through the front line of telephone operators at PNC to get to a person with any answers. This entire experience has been very frustrating. Most of the employees that answer the phone apologize and sympathize with me but I can't get any results. XX/XX/XXXX I wait anxiously for the 48 hour deadline to hear from a supervisor. It comes and goes. I call PNC insurance department. I wish I had the name of this employee because she was the most cold and unhelpful person I've encountered during this ordeal. She said in a snarky tone, " It's not 48 literal hours. We have until the end of business today to contact you. '' So now, yes, I'm angry. I'm beyond frustrated. I raised my voice. While I tried to explain that I was in the process of reporting them because it was getting ridiculous, she talked over me and said she would disconnect the call unless I stopped yelling. " Did you hear what I said? I'm going to report your bank because I can't get any answers to this problem, '' I repeated now calmer. " Well that's your right, '' she said. " You don't even care. I have called many times and talked to many people and no one has talked to me the way you have, '' I said. " You were probably respectful to them and you have not been respectful to me, '' she claimed. She ended with, " I will call you back at XXXX today to make sure that a supervisor has called you. '' I didn't hear back from anyone that day. XX/XX/XXXX, an executive calls me I think because of my complaint to the customer service department. He apologizes for all the hassle I've been through. I tell him my story. He says, " We have to do whatever FEMA says. '' I said, " Good because FEMA says the LOMA is valid and that you are in violation. '' He goes looking through the paperwork and finds the faxed LOMA. He tells me that it's very grainy and he can't read most of it. I offer to email him a picture of the document. He said to give him 2-3 days to get this figured out. XX/XX/XXXX, the supervisor for the insurance department calls. I give him an abbreviated version of what I've been going through. He apologizes and says that's not what they want to hear from customers. He mentioned the problem with the dates. I explained that the LOMA came after the maps and FEMA says it's valid and that they are in violation. He says he'll do some research to find out why it was rejected. I ask if he is the supervisor I asked to talk to on XX/XX/XXXX. " I have no idea. I just heard about you an hour ago, '' he said. I asked him if he wanted me to email him the LOMA. He said, " I think you've done enough. I'll take it from here. You and I will work together. I'll call you Monday. '' Monday XXXX calls back and says he sees that our property is in the flood zone according to the maps on the FEMA website. I say, " I understand that it looks that way. That is why we have a Letter of Map Amendment. It is amending that map. '' He says that the letter is outdated. I say, " I have talked to FEMA. They say the map is dated XX/XX/XXXX and the LOMA is dated XX/XX/XXXX. FEMA says that it is valid. Have you talked to FEMA? '' He says no and that he will leave that to the flood research department. Please help me. I feel like I'm going in circles having the same conversations over and over again. FEMA, land surveyor, XXXX, and us are all in agreement and on the same page except PNC. PNC claims to side with FEMA, but FEMA sides with me when I call them. I don't understand and am beyond frustrated. I spoke with a loan officer from a local bank who told me that if we do not agree to purchase flood insurance and PNC is requiring it then they should never have purchased our loan. They do not have the right to force it upon us now especially since we already had it worked out with the previous mortgage company. This has been a painful, stressful process and it didn't need to be. PNC let every deadline lapse without contacting me until I finally got the attention of an executive and supervisor ( who apparently didn't even know I had asked to talk to a supervisor ). While trying to communicate with PNC I was left with the opinion that this company is either incompetent or malicious. Neither word is appealing when choosing a mortgage company. I do not trust them and still do not have the issue resolved. | ||||||
| 05/22/2019 | Yes |
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| On XX/XX/2019, I received a notification from my budgeting app advising that my PNC account was no longer linked and I would need to contact my bank to authorize the access. I contacted PNC around XXXX XXXX. I explained the circumstances and the gentleman advised PNC recently updated their security settings on XX/XX/2019 which prevents Third Party Apps from accessing the bank account system without an authorization from the owner which is completed thru a text verification process I inquired about how consumers were notified of the new security measure put into place and the rep advised I should receive the notice via mail this week. ( As of today I still have not received any notification ) I explained to the gentleman the app I have linked to my PNC, monitors my spending with the linked accounts instantly credits my account when it is a possibility an account could go into an overdrawn status. I recently enrolled into overdraft coverage with PNC to ensure my transactions process when using my card and I used the Third Party app as back up to ensure the funds would be instantaneously available in the case that I do overspend. However, due to PNC disconnecting the account from the Third Party apps ; the app was unable to monitor the account, as it paid to do. I advised my account was now in an overdrawn status with additional fees pending due to the lack of communication from PNC. The rep advised he def understood my frustration and that he would refund the fees that had already been assessed to the account. While he worked to refund the fees, he advised me to disconnect my banking information from the Third Party app and re-enroll with my PNC log in as the app requests. Once I attempted to log into my account via the Third Party App, PNC would be notified and send me a text verification that would allow the app to sync with my PNC account which would prevent additional fees from being assessed to the account. While on the phone with the rep, I disconnected as instructed and attempted to reconnect PNC banking information thru the app. The app advised, online access was not authorized and I would need to contact my bank. I explained to the rep the error message I received from the app again. He recommended I shut the Third Party app down completely and try again. While completing this task, he advised the system would not allow him to refund the fees and he would need to have a manager complete the refund. He placed me on hold to retrieve the manager while I continued to sync my account with the app. Upon his return, he advised the manager would have to return my call because there was not one available at that time to resolve my concern. I accepted the return call option. I then requested assistance to resolve the access issue via the third party app. The rep advised When I attempt to access my account via the app the new security measures should prompt PNC to send me a verification text. I advised that has not happened as of yet after numerous attempts of trying to connect. He asked if I was enrolled in mobile alerts. I told him I believe so. He asked to verify my enrollment by logging into online banking under the Alerts tab. I looked and it showed that I was not enrolled He then explained I would need to enroll in the Text message verification process to allow the App to access the account. I attempted to enroll in the mobile alerts & received an error message that I am already enrolled although the system says I am not enrolled. ( verification attached ) He said that was odd and proceeded to confirm that I have not previously enrolled and no one else has my number to enroll. I denied both inquiries. He transferred me to online banking after advising a manager would call me back to confirm when my fees were refunded. Once connected to an online banking rep, I explained the error message. Once again we went thru the enrollment procedures as according to his system I am not enrolled in mobile alerts. The results stayed the same. He advised he would submit a ticket for this error to be fixed. We disconnected the call under the pretense that a manager would follow up with me the next day confirming my refund was processed and mobile alerts had been fixed. On Wednesday, XX/XX/2019, @ XXXX XXXX. I called PNC again because a manager had not returned my call. The rep told me a manager would be unavailable until after XXXX XXXX and I should call back after that time. I called back at XXXX XXXX and went thru the prompts to get to online banking in an attempt to resolve the mobile alert/verification issue first, where the phone just rung for 9 minutes and no one answered. Eventually, I hung up and called back at XXXX XXXX and went thru the prompts to access assistance with my checking account to confirm the refund had been processed. I spoke with a rep where I explained the situation again ( y arent the notes on the account? are the calls recorded?? ). She then transferred me to a manager where I had to explain the situation again. After explaining again, he did state there were no notes indicating I would receive a refund but a manager would review the account for a refund. I explained that was inaccurate and I was told the fees would be refunded because PNC 1- did not notify me of the updated security measures and what would be required from me as a consumer who should have access to my account, which prevented the funds from being transferred to the account to prevent the account from being overdrawn status 2- the mobile alerts are not communicating to my device due to a system error on their side. The manager then explained that he does not have the capability to refund the fees because the funds did not transfer from XXXX XXXX. I advised him that was inaccurate summarization, the transfer was not from XXXX XXXX but thru a third party budgeting app that prevents the account from going into the negative status when it is a possibility of an overdraft occurring. He reinstated he is unable to waive the fees. I requested another manager that could actually assist me in my concerns as I was previously told the fees would be refunded. He then explained PNC bank policy would not allow the funds to be refunded ; He explained the decision would not change because this is PNC 's policy. He then placed me on a brief while transferring me to his supervisor. A young lady stating she was a Corporate Manager then connected on the line, and she summarized the situation as " requesting the fees to be refunded because the funds did not transfer from XXXX XXXX to credit the overdrawn account '' I explained that was inaccurate summarization and I once again explained the circumstances. The rep then explained " PNC Is not responsible for how Third Party apps transfer funds & the fees would not be refunded and I am accountable for the account '' She then attempted to sale me overdraft protection credit. I responded with the explanation that I do understand PNC is not responsible for Third Party apps. My problem is I was being proactive by setting up an instant credit onto my account to prevent this from occurring ( if reviewing my transaction history which is attached as well there is a credit " earnin '' to my account which is the app crediting the account to prevent overdraft activity ; the " earnin '' credit is later deducted when my direct deposit from work clears ) however, PNC implemented security measures ( which I do appreciate when notified ) which removed this proactive measure causing avoidable fees. I have taken the steps to avoid these fees and it was working until PNC disconnected the Third Party app. 2- When attempting to reconnect the Third Party app, based on the instructions provided by the rep, to avoid additional fees. There is a system error that is preventing me from doing so which can cause additional fees due to the account needing to be credited by XXXXXXXX XXXX. The manager who advised she was with the corporate office and will not refund the fees due to PNC not being responsible for Third Party apps which is not what I was/am expecting PNC to do. I am a firefighter with Washington DC and unfortunately, I am currently in the middle of my 24-hour shift and I am unable to access an ATM. The only access I have currently is thru online access. Even if I transfer funds, they will not be received until Tomorrow ( which is thru XXXX an online app thru PNC that was advertised that transfers could credit same day but turns out they do not ) I do not have a problem paying for fees I caused but this could have been avoided if proper communication had been in place. | ||||||
| 03/09/2019 | Yes |
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| I am writing this letter asking for assistance as I have run out of options in working with PNC Mortgage. I purchased the property in XX/XX/XXXX and after a couple refinances, became a PNC Mortgage holder in XXXX, where the mortgage has been since. At that point, I was already in a negative equity position due to the market conditions. Unfortunately, the loan was not HARP eligible, but I continued to pay as the property value depreciated each year by thousands. At one point, I was upside over {$50000.00}. My mortgage payment history was impeccable, though. In XXXX, we outgrew this home as we had 3 kids and not enough living space or bedrooms. Because we were still upside, I could not sell the home without losing money. At the advice of a mortgage loan officer at PNC, I attempted to rent this home and purchase a new one. I followed her instructions and got a tenant in the home starting XX/XX/XXXX and then purchased a new home with more space and in a better area for my kids ( school district was a priority ). My tenant paid me regularly and therefore, PNC Mortgage was paid on time. In XX/XX/XXXX, our tenants purchased a home and I found a new reliable tenant. Unfortunately, payment stopped coming in from my tenants due to their negligence and we found ourselves depleting our savings by paying two mortgages, my wife out of work, and legal fees for a nasty eviction process. After several months of paying two mortgages and my wife just getting back to work, I reached out to PNC Mortgage inXX/XX/XXXX to inquire about a hardship and/or any other alternatives. We discussed short sale because deed in lieu was not an option for my FHA loan. I was told by the mortgage representative from PNC Mortgage that if we decided to go the hardship or short sale route, they would not consider it until I was delinquent and in pre-foreclosure ( approximately 2 months past due ). After a really rough holiday season with our finances and making the most difficult decision we have ever had to make, we decided to miss our PNC Mortgage payment. This was extremely difficult because we had NEVER missed a mortgage payment in our lives and we feared losing our rental home because many attorneys and other clients said the PNC Mortgage Short Sale process is by far the worst. I heard it from so many people that we feared they would fail us, too. My wife and I have sentimental value because we got married while living in this home and had all three of our kids in this home. It was our first home and a place many of our memories were made. Worst of all, we paid PNC Mortgage on this home for many years while we were in a horrible negative equity position, but made good on our promise. We knew that would be irrelevant in the foreclosure or short sale process. Moving forward, we missed the two payments and started the process for hardships and short sale. I was immediately turned down by PNC Mortgage Hardship due to income. I was so upset and frustrated because just two months ago, a representative told me that based on my situation, this should be simple and to go ahead and missed the payments to get started. My only option now was to proceed with the short sale. I got an attorney to assist in the short sale because I was instructed by many to do that with PNC Mortgage. This was the same attorney handling my eviction, whom had a specialist in his office to handle short sales. After we finally evicted our tenant ( which took very long due to his situation and unfortunate experience with the system ) we quickly proceeded with the short sale as we were now 6 months past due. After thorough discussions with PNC Mortgage Loss Mitigation, our attorney, and several local realtors- we listed the home. Our balance was $ XXXX ( approximate ) at this point. We determined the best list price was $ XXXX due to some wear and tear from the tenants. Our realtor listed the home and I started doing small repairs ( paint and carpet cleaning ). During the first day of repairs, my contractors whom I paid, could not access the home. The padlock from XXXX XXXX XXXX was gone and replaced with a new padlock. The garage door was locked and the opener non-functional because it was unplugged. After having to pay carpet cleaners and painters to do NOTHING, I eventually went to the home to discover that PNC Mortgages vendors had entered the property and removed the padlock and created a post-sale sign in sheet in my property even though the foreclosure had not even begun. Apparently, PNC Mortgage accidently listed the home in their records as REO, which initiated a team to come in and throw away all the belongings in the home and secure the home. Multiple vendors came in and out of the home, unauthorized by me. After filing a claim with the REO team, it was discovered that PNC Mortgage had made the error in listing it as Bank Owned. I thought this was odd because they literally did it days after the eviction. It appears that when I called them to tell them the eviction was final and we were ready to start the short sale, they made their error and it started the process to secure the property. They destroyed the padlock from our realtor and threw away a lot of stuff that belonged to me and my kids that was safely stored in the garage and basement. After a couple days, they mysteriously located most of our stuff at a garbage field. Very disturbing. They brought the belongings back and left them in the garage. We eventually gained access by using the padlock from PNC to allow showings. Keep in mind, PNC Mortgage completely brushed off their error with no apology or consideration. I know that I was late, but I still owned the home. I was working with them for months to handle this professionally and accommodating. Actually, their vendors called me and were more apologetic than any one at PNC Mortgage. Fortunately, we moved quickly to list the home and we had nearly a dozen of showing the first week, many below the $ XXXX asking price and came up with an offer of $ XXXX that was put under contract. After months of slow processing from PNC Mortgage, our buyers walked away. We then worked with PNC Mortgage and realtor to re-list it at $ XXXX. Again, we had dozens of showings and an offer quickly close to asking price of $ XXXX, which we accepted. This time, the process moved quicker and PNC indicated before they proceeded and finalized the short sale, they would want to do an appraisal. We waited several weeks to hear back from them. After numerous attempts to get an answer, PNC Mortgage said that they wanted us to sell it for $ XXXX. This was astonishing because if this house was worth $ XXXX, I would not have to do a short sale. My many conversations early in the process with PNC Mortgage representatives never indicated that they thought I was in a positive equity position. How can they say that it increased in value by $ XXXX in 7 months? Considering the fact that I had several realtors call me to get my business and all of them wanted to list between $ 190k - $ 205k due to repairs and comparable in the area. We requested to see PNC Mortgages appraisal to see what they used to determine that value. We discovered that they did not use a local realtor, instead did a Brokers Price Opinion from hundreds of miles away. They had homes that were 700 - 1,000 square feet bigger, extra bedroom and bathroom, and finished basement on their comparables. As you can imagine, the buyer ( who was a cash buyer with a lot of time to wait out the process ) walked away and was not willing to negotiate as he felt he was already at the top of the market price. Again, trying to accommodate to PNC Mortgages instruction, we listed it at $ XXXX. We had 0 showings. During the course of this process, PNC Mortgage decided to come in and winterize the home ( even though we already had someone do it ). I am not sure what they did, but it appears someone unplugged the sump pump. I am not sure if it was a realtor from a buyer, one of the vendors that came in, or the people that came to winterize. I am also not sure if the sump pump was broken and they unplugged it to help me. All I know is that water ended up building up several inches and I had to get it cleaned, leaving marks and potential fear of mold. The home has now been pulled from the market due to the water damage, the outrageous listing price demand, and the failures and constant mistakes from PNC Mortgage. | ||||||
| 03/25/2023 | Yes |
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| I am writing to express my deepest concerns and file a formal complaint against PNC XXXX due to the distressing and fraudulent practices I experienced during a phone conversation on XX/XX/2023. The call, which spanned approximately XXXX minutes, was recorded and is a testament to the numerous instances of misleading information, deceptive and predatory practices, and outright fraud. This harrowing experience has left me in fear of losing my home, my stability, and the life I have built for my family. The call began with my transfer to a department responsible for handling loss mitigation and hardship requests. I recognized the initial representative as someone I had encountered in previous calls, who had exhibited argumentative behavior in those conversations. Regrettably, this interaction was no exception. The representative informed me that their department was the sole authority capable of addressing my request due to a submitted hardship request. Despite clarifying that I had no interest in exploring the loss mitigation options, the representative, XXXX, grew increasingly short and dismissive. He informed me that I would need to be transferred to another department, while simultaneously stating that he was not allowed to engage in further conversation with mean assertion I found both unsettling and confusing. The uncertainty and lack of empathy displayed by the representatives exacerbated my fears of losing my home and the stability that my family desperately needs. Upon being transferred to the next department, the representative, XXXX, merely repeated the information I had previously provided to XXXX, and then attempted to steer me towards the loss mitigation options. As both representatives continued to be insistent and provided misleading information, I grew increasingly suspicious of their intentions. The anxiety and apprehension I felt were compounded as I grappled with the very real possibility that their actions might lead to the loss of my home, upending my family 's life and shattering our sense of security. Ten minutes later, I found myself transferred back to the loss mitigation department, contradicting XXXX 's earlier claim that I could not speak to them about my particular issue. It became apparent that these representatives were engaging in an appalling and fraudulent scheme to force me into options I had explicitly declined. They employed deceptive tactics, disseminated false information, and relentlessly pressured me into pursuing the loss mitigation process. Their predatory behavior has left me feeling vulnerable and exposed, with the threat of losing my home looming over me like a dark cloud. In light of these events, I believe it is crucial that PNC XXXX be held accountable for their fraudulent and deceptive practices. As a consumer, I expect to be treated with respect, dignity, and transparency. I deserve to have my concerns heard, and I should not have to face the prospect of losing my home due to the company 's dishonest conduct. The actions of these representatives have caused me immense distress, and I implore you to investigate this matter thoroughly. I kindly request that you examine this matter in-depth and take appropriate action against PNC XXXX for their dishonest and deceptive practices. The weight of this situation bears heavily upon my heart, and I am more than willing to provide any additional information or evidence that may be necessary to facilitate this process. Time is of the essence, as the outcome of this investigation will determine not only the fate of my home but also the well-being of my family. Subsequently after this conversation was had after log into the website for my servicing portal daily and multiple times and some days no information or updates were provided on to my servicing portal period after a couple of weeks we received bailed publications that stated that the forbearance plan has been approved period however the forbearance plan was initially put into place XX/XX/XXXX of XXXX what are the package for the request to do the mortgage forbearance was submitted. When you go onto their payment assistance options for COVID, it leads you to the lost mitigation package and that is the only package that you were able to gain access to the problem is is as a consumer not understanding what any of this means and doing my best to attempt to save my home in absolute distress and complete turmoil situation, I invertedly submitted this package as a request for last mitigation assistance versus the actual mortgage forbearance the best way to summarize this entire totality of events was if the precise exact question was not asked in the manner that was the exact requirements, it was a answer full of riddles smokescreens and and would be the farthest most misleading answer that could be provided to ensure that the next question would be even further off the track. the letters that I received in the mail show that the forbearance plan was approved as stated above however the letter correspondence that was received on XX/XX/XXXX of XXXX showing that the forbearance was approved was subsequently followed up with another correspondence on XX/XX/XXXX showing that now the payment is behind and past due and my payment that is already unable to be made due to the impact of COVID and the loss of income from COVID, has now doubled to over XXXX XXXXXXXX. It is made evident in writing, verbally, and every manner possible this company could do to prevent me from actually getting the COVID forbearance process completed. Last but not least the approved forbearance request document that was sent out on the XXXX of XXXX, shows that the payments for XXXX, XXXX, and XXXX were the payments that were approved for the forbearance plan. However with this request being completed initially back on XX/XX/XXXX of XXXX they have failed to disclose that XXXX was also approved for the forbearance request. The payment and my mortgage in its entirety was not passed due at the time of the initial request well within the grace period of the payment needed to be made before the XXXX before I late fee would apply and surely before the XXXX day of the month to ensure that the mortgage was currently not past due at the time of their request. The documentation continues the misleading and deceptive practices of showing that the XXXX payment is still required the XXXX payment is still required as now both payments and a cumulative balance exceeding {$4000.00} was not included in the forbearance plan. Their verbal conversations would say one thing and then the subsequent conversation would be completely contradictive and these written communications illustrate that point in black and white writing as well over {$4000.00} so our cortana This situation has left me feeling overwhelmed, anxious, and fearful for the future of my home and the stability of my family 's life. The entire process has been riddled with inconsistencies, misleading information, and seemingly intentional obfuscation, making it increasingly difficult to understand my rights and options as a homeowner impacted by the COVID pandemic. I am gravely concerned that these deceptive practices and inconsistencies in communication are not only causing undue stress and confusion but also jeopardizing my ability to receive the necessary relief to protect my home from foreclosure. The emotional toll of potentially losing my home and upending my family 's life is immense, and I can not emphasize enough the urgency with which this matter needs to be addressed. I kindly request your assistance in rectifying this situation, investigating the actions of PNC XXXX, and ensuring that my mortgage forbearance request is accurately processed and acknowledged. I am prepared to provide any additional information or documentation needed to facilitate a swift and fair resolution to this matter. It is my sincere hope that, with your help, we can resolve this issue in a timely manner, restore my family 's stability, and ensure that we can continue to live in our home without the constant fear of losing it due to the company 's misleading and deceptive practices. Thank you for your prompt attention to this matter. I am grateful for your support and any guidance you can provide as we navigate this challenging situation. | ||||||
| 06/04/2017 | Yes |
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| I have had some bad experiences with banks, but PNC really takes the cake. I am currently XXXX in XXXX XXXX, and PNC decides to freeze my account ( on XXXX XXXX, 2017 ). A larger than usual CASH deposit was made to my account on Wednesday the XXXX, and immediately after I saw it was cleared I went to use the ATMs here to withdraw in order to pay my rent and bills. My card was rejected. I was able to put in my pin and everything, but at the end of the transaction the machine would just spit out the card without an error message. This card is in perfect condition and I have been using PNC over here for 6 years and this has never happened before. The only other people that have access to my account are my parents in the states, and they made that deposit before their 20 day trip to XXXX. I immediately contacted our representative at the XXXX Branch and went through an exchange of emails and phone calls. XXXX is very kind and I honestly believe she was doing everything she could. No explanation could be found why my card was working. I honestly lost track after this how many people I talked to. Thursday, XXXX XXXX and rent and bills are due. I call again different departments. They all tell me they are so sorry, there is nothing they can do. They ask me how old is my card? Is it damaged? No, my card is in perfect condition, and this problem only happened after the bigger deposit. The suspicious thing is every time I would say this to any representative they would all say " Oh, hmm ... Well lets look into some other things. '' Now I have no idea why PNC would want to keep my funds from me right after a larger deposit was made, but I know it has to be illegal. Hours and hours of calls, transferred from one department to the next only to have them all tell me " I 'm so so sorry, there 's nothing we can do. '' I had to explain the whole ordeal over and over again, there is ZERO communication between departments! I started to reach out to their XXXX Help Acct and was given numbers to the escalated departments. I had a weird feeling, but I called into the Phone Banking System only to find my Phone Banking Pin HAD BEEN CHANGED! I emailed my representative right away and had her make sure my pins were set to the ones I set them to. Hopeful, I went out to the ATMs yet again, only to have the card rejected. I tried ATM after ATM, all different banks, and the same exact thing happened at every single one. This made it apparent that it was n't a problem over here, but with PNC, even though PNC started blaming the ATMs over here. I should also tell you that I am living in a small poor port town, ATMs are very spread out and far. Exhausted and frustrated, I reached out to a friend in the XXXX. We planned that I would transfer ALL my funds to her XXXX XXXX XXXX Acct and she would then be able to XXXX XXXX me the funds. Come to find out it takes 3 Business Days for transfers to outside banks. My friend then goes into an actual branch and speaks to someone who says " Oh that help department is just closing. '' She then asks if she can even open an account only to allow me to transfer her the funds. Apparently it was not possible for her to open an account until she had paperwork that she would have to bring the next day. At this point I was starting to panic. The only options I was given during this whole ordeal was to have a new card sent out ( maybe it will arrive in a week?! I am in XXXX XXXX! ), to use XXXX app, which DOES NOT WORK WITH MY SAVINGS ACCOUNT, or to XXXX XXXX the funds to myself, WHICH ALSO DOES NOT WORK WITH A SAVINGS ACCOUNT! I have spoken to XXXX, XXXX, XXXX, XXXX and XXXX, but I am sure there are more that I cant remember. Friday, XXXX XXXX and still nothing. I am starting to run low on my XXXX XXXX medication and also on food, toilet paper and drinking water ( ca n't drink the tap here! ). I have now missed 1 class and almost missed work. With no food my medical condition worsens and I become XXXX, so I reach out to a friend over here and beg for enough money to get something to eat so I do n't end up in the hospital. I continue making calls, while XXXX XXXX XXXX XXXX start to happen and I start becoming incredibly XXXX from XXXX XXXX XXXX. I speak to the Escalated Department. Same thing, they are so sorry and there is nothing they can do. I reach out to another friend in the states and luckily her family has PNC! I should n't have gotten my hopes up. IT TAKES 3 BUSINESS DAYS TO TRANSFER FROM ONE PNC ACCOUNT TO ANOTHER! IT IS THE SAME BANK!!! So the funds would not go through until Wednesday! When I call and ask why this is, I got a snappy response and was told " That 's how our wiring system is. '' Unbelievable. My friend with the PNC account and I do a conference call to the escalated department, and she is there more for moral support so I do n't completely break down. I also want it to be known I was incredibly kind to every representative and patient with them, I guess they took advantage of that. We speak with XXXX because XXXX was not in, and after the same conversations, same being put on hold, same " I 'm so sorry ma'am I do n't know why this is happening. '' He then told us that if my friend went into the branch she could ask for the transfer to be expedited if she says it is an open case. We try to plan for this, but she has work early until after the banks are closed, so I ask if I can transfer myself the funds using XXXX XXXX. I am told Yes! So again I 'm hopeful this can be resolved. Saturday, XXXX XXXX, still nothing. I go onto the website for XXXX XXXX only to find out that they do n't even accept wire transfers from savings accounts!!! So I was straight out lied to by PNC. I am guessing PNC 's goal is to exhaust their customers into giving up and then they get to steal their customers ' money. A friend is able to XXXX XXXX me enough for food for a couple days ... Now I know this part is n't PNC 's fault, but just that day XXXX XXXX was closed due to a system error, I took a picture with the date. At this point I am laughing at how terrible and unbelievable this whole situation is. I go to try my card at another ATM just in case by some miracle it is working again. I video record what happens, same thing, the card gets spit out. It is now XXXX XXXX. My XXXX XXXX medication and other medication will run out tomorrow. My rent is late and so are my bills. I wo n't be able to get any money until Wednesday IF my money transfers to another account successfully and someone can take it out and XXXX XXXX it to me. Not once has PNC called or reached out to me. I started to warn others on social media and WAS WARNED BY PNC THAT REPEATED COMMENTS CAN HAVE ME BANNED FROM THE COMMUNITY. They have the nerve to threaten to take me out of their community!!! I should also mention on Thursday I was given a very strange identity test to confirm I was who i said I was ... I have no idea why this was done. It was a multiple choice XXXX question test, I did audio record this. I was given options and was shocked when I found out they knew the name of my ex boyfriend I had in XXXX and that I lived in XXXX in XXXX!!! I was not only crushed and losing hope, but now fairly disturbed. When I told the representative " Oh my XXXX! How could you know this?! '' she laughed and said " Haha I know! The system ( ca n't remember the name but it is on tape ) know everything! '' I still have no way to access my own money, with Wednesday it will be a week with no money. Having to borrow {$10.00} here and there begging friends because MY OWN BANK IS WITHHOLDING MY OWN MONEY FROM ME! PLEASE ANYONE READING THIS! DO N'T USE THIS BANK! I do n't want anyone else to have to go through this. So here I am, stuck in XXXX XXXX, with no money and now late rent and bills. I have never ever been late for bills or rent and I pride myself on that ... first time for everything thanks to PNC. Oh, I also had to laugh when the representatives told me to go into a branch. Sure thing, I 'll just fly XXXXmiles just to have you give me my money. BE WARNED DO N'T USE THIS BANK I HAVE NO IDEA HOW IT HAS N'T BEEN SHUT DOWN! I would also like to add that I had my pin changed on the XXXX in order to make sure they saved the right one. My account was suspended twice during this. | ||||||
| 03/25/2022 | Yes |
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Web | |
| We were originally banking with BBVA bank and did not get the documents from PNC back in XXXX that BBVA had been bought by PNC bank and they were transferring our bank to PNC. So all of a sudden the weekend of XXXX we were without any access to our bank account. When we couldn't even log onto our bank account we called BBVA who informed us that there had been a merger and that we were now with PNC and to call PNC as they have all the info we would need. We had no idea who PNC bank even was because there is no branch anywhere near where we live and there also aren't any ATM 's near us for PNC. After being on hold with PNC for hours on Saturday we still didn't really have any answers. BBVA kept telling us that they literally couldn't see any info about our account. PNC said to try to go to an ATM and that would give us the exact balance in our account. We didn't even know how much we had in our bank account. They also said that our debit cards would work fine. We tried the ATM trick and couldn't access it at all. Plus we were going to be charged a fee just to check our balance. We also tried using our debit cards and they didn't work. So we called back again and spent hours on hold, in which time we asked that they transfer us to a supervisor because of the confusion and the info they gave wasn't working. They refused to transfer me to a supervisor saying the info they gave was correct and we can go to an ATM. They didn't believe us that we had tried it. I finally got to a supervisor because I have worked in call centers before, I knew he had to keep me on if I wasn't being abusive so I made loud noises until he transferred me to a supervisor. It was juvenile but we needed to talk to someone who knew what was going on. I also would be on hold and the hold music would stop and it would say it was transferring us to a rep but then would go back to ringing again. I could not actually get on with anyone for a long time, spent all of Saturday and Sunday trying. PNC didn't believe us and said everything was going super well and we were wrong about the problems. Meanwhile if you go online there were tons of people with the same complaints as us. One post was from an elderly lady who was stuck on the side of the road and couldn't get a tow truck because her card wouldn't work. Many, many really horrible stories like that when I checked # PNC. I got to a supervisor who told me I was wrong about the calls not being transferred to a rep, until I made her stay on hold with me trying it and then believed me. I spent the entirety of my weekend off work trying to get answers. I have a severe anxiety disorder and them doing this type of thing to us was making me have XXXX XXXX. I told them this, that not knowing how much money I have and if I could use it is not a decent way to treat their customers. The entire time both BBVA and PNC didn't want to help us. They did a merger over a long weekend, causing thousands upon thousands not have access to their bank account. And when my spouse talked to PNC 's CEO he told us we should thank him for how well the merger went. Then when we did finally have access to our bank account PNC showed a large payment we made to XXXX as having been debited out of our account. I even checked with XXXX to make sure they had received the payment. So we made a grocery trip to XXXX and then on Monday we were hundreds of dollars negative. When I called PNC they couldn't even tell me what put us over. I spent hours again figuring it out. Apparently PNC will take out a debit and then will just put it back into the account if the person you made the payment to doesn't take it out right away. I was told that I was supposed to still be using a leger for keeping my debits tracked, even though I have online banking and therefore should not have to deal with a paper leger and keeping track of my debits, that should be what the bank does now that it's the 21st century, and I don't write out checks. We have been with and made payments to XXXX for 7 years previously and no bank had ever done this to us before. Any bank right now should have the technology to show debits and the amounts of available balance we have accurately, again it's the 21st century. We hadn't had a negative bank account in years, we check our bank account every morning and throughout the day, so we are very diligent to make sure we have enough money in our account. But the fact that PNC couldn't even tell me what put me negative is really not good. I should be able to at least accurately given that info by my bank. We then made a complaint against PNC and BBVA for the way the merger happened and our negative bank account. We asked that whoever reviewed the complaint listen to the calls we made to both BBVA and PNC. The complaint came back that nothing had been done wrong by either bank. No mention that any calls had been listened to. My spouse asked again when he talked to someone that they listen to them and they stated they couldn't. I have worked in a call center as well as live in WI which is a one party consent state so the calls are definitely able to be pulled and listened to. Meanwhile PNC sent us to collections for the negative bank account even though we called them and told them we'd gotten the notice and it's literally illegal to send someone to collections while a complaint is ongoing. After multiple complaints to PNC all of them have come back either stating nothing was done wrong by PNC or BBVA or they just haven't responded to us at all now. My spouse keeps calling and leaving messages and we are not getting any calls back. They are also supposed to respond in a 30 day period but that did not happen. Then on XX/XX/XXXX the XXXX XXXX, WI police came to our door ( our local police ) stating that my spouse had threatened self harm and XXXX mutilation when they were talking to PNC bank. Truth be told we haven't been kind at all to PNC. They have been nothing but abusive and horrible to us since all of this started. We have been lied to and talked down to by pretty much everyone we've talked to. So my spouse was not kind, but I know for a fact that they did not threaten self harm or anything like that. I was literally on the couch next to them when they made the call. Also, we spoke to the XXXX XXXX police recently and they stated that they received the call on XX/XX/XXXX but the last time we talked to PNC was XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX responded the same day because they are legally required to for a wellness check. So PNC didn't call the police because they were concerned about us, if they did they would have called back in XXXX when we talked to them. We believe, after investigating with the police in XXXX XXXX that we are being targeted by PNC bank. Every time we tell a friend or relative about it they completely agree, why else wait a month to call for a wellness check? The cops too think it's really strange and told us to get a copy of the call. To date PNC has refused to either give us the call recording ( which they legally have to do ) I checked into it ), or tell us the person who made the call to the police so we can make a complaint against them. As I mentioned I have severe mental health, the police randomly showing up at my door was incredibly scary and again I had a major XXXX XXXX. I also found out hours after my grandma had passed away and when we talked to PNC they were so nasty to us. At this point we want the call recording so we can make a complaint against whoever called the cops at PNC because that could have ended badly. Not to get political, but it's pretty much every day we see the police using force against citizens, so it's not the best idea to just call and say a bank customer is acting crazy out of spite. That seems to be the only reason for the call, spite. Below I listed the complaint number, it's the same complaint ID for every complaint, we kept rejecting it as PNC clearly did wrong in this situation. Complaint XXXX submitted on XX/XX/XXXX Received feedback on XX/XX/XXXX ( response to complaint should be received within 30 days, this was well over that. I spoke to a supervisor in the complaint department who told me this info. ) Complaint XXXX was reopened after we received the feedback. | ||||||
| 10/22/2022 | Yes |
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Web | |
| I am writing to announce and describe a confirmed instance of fraud which occurred through a breach of PNC Bank 's Online Banking platform. On Monday, XX/XX/2022, my PNC Virtual Wallet checking account was breached and numerous fraudulent transactions took place by means of XXXX which falls under the classification of Electronic Funds Transfer. The account was breached through online banking. The following unauthorized, fraudulent XXXX transactions totaling {$2500.00} took place : {$15.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$35.00} XXXX XXXX to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$50.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$100.00} XXXX transfer to XXXX XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX XXXX on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX '' XXXX XX/XX/2022, XXXX EST {$100.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$15.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX XXXX {$35.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$50.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022 XXXX XXXX EST {$100.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX XXXX {$150.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to XXXX XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to XXXX XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX XXXX on XX/XX/2022, XXXX EST {$150.00} XXXX transfer to " XXXX XXXX XXXX XXXX XX/XX/2022, XXXX EST {$150.00} XXXX transfer to XXXX XXXX XXXX '' XXXX XX/XX/2022, XXXX EST {$50.00} XXXX transfer to " XXXX XXXX '' on XX/XX/2022, XXXX EST I noticed the transactions around XXXX EST and promptly called PNC customer service to report the fraudulent activity. After spending over an hour on the phone speaking to various support representatives, we were informed by a XXXX XXXX XXXX that no actions could be taken while the transactions were in a " pending '' state and that we would need to wait until the transactions posted to our account before they could be disputed. On the morning of Tuesday, XX/XX/2022 around XXXX EST I filed a police report with the XXXX XXXX Police Department regarding the matter and was issued case number XXXX. Following filing the police report, I again called PNC customer service to continue working towards a resolution. I was able to be connected to the same XXXX XXXX Supervisor from the previous night. This representative did file disputes on each of the fraudulent transactions which took place. Upon attempting to receive a provisional credit to my account for the stolen funds, I was told that it was the policy of PNC Bank to not issue any provisional credits that were related to " XXXX scams ''. As I proceeded to explain that this issue was not necessarily a " XXXX scam '' but rather a breach in PNC Banks online banking platform, the representative continued to stand behind the policy of PNC Bank not issuing a provisional credit. The duration of this phone call was 5 hours and 45 minutes and included being transferred to multiple departments, speaking to a multitude of representatives, and being placed on hold numerous times. Each time I was transferred to a new representative I was expected to explain the incident from the start, and furthermore, was made to feel as though I was an incompetent user of online banking as though this breach was somehow due to negligence of my own personal doing. One of the representatives that I spoke to had actually informed me that just the day before they had worked on a similar fraud case where the same amount of fraudulent XXXX transactions took place, even down to the exact order and amounts that my transactions took place ( {$15.00}, {$35.00}, {$50.00}, etc ). They said that they would note this as part of a bigger issue, but still continued to tell me they could not offer a provisional credit. Nothing was achieved to my benefit in terms of customer support for the duration of this day. On Wednesday, XX/XX/2022 I received a phone call from an Executive Client Relations Specialist at PNC Bank. This individual called me to tell me he was the representative assigned to further investigating my claims and although he did not have any updates at the time, I would just need to remain patient and that he would keep me updated throughout the process as it continues. The fraud investigation could take up to 45 days. Then, and only then would I possibly receive a credit to my account, assuming that the investigation was concluded with the decision that the transactions on my account were in fact fraudulent. On Thursday, XX/XX/2022 I contacted PNC customer service again to continue my attempt in remediating this issue and have a provisional credit applied to my account. I was not able to reach the Executive Client Relations Specialist from the previous day, but I was able to reach a Support Operations Specialist who assured me he in fact had more authority than the previous representative and would work tirelessly to resolve my issues. He explained to me that after reviewing all the internal notes on my account that the reason I was not eligible for a provisional credit to my account was because the Security and Fraud team had advised against it due to the fact that the " fraudsters '' could potentially still have access to my account and would just take the money out again. With this being the only apparent reason that I was not able to receive a provisional credit to my account, the Support Operations Specialist and myself decided on a coordinated plan that would include him funding my account with a provisional credit while I was physically present in a local PNC Bank location long enough to be able to withdraw my funds in cash immediately and then he could follow up by re-locking the account until the conclusion of the investigation. This plan would take place the following day as the time of this decision was too close to the end of the business day and the local PNC Bank branch was going to close. On Friday, XX/XX/2022 I received a called from the same Support Operations Specialist from the previous day and he informed me that he was working with another internal team on gaining approval for the provisional credit. He told me that the hold time would likely be about an hour long, so he decided he would call me back when he heard back from that team. Several hours have passed and I have not heard back from this representative. I called this persons direct line numerous times with no response, and even left two voicemails throughout the day. I finally received a call back from this representative at XXXX EST, after local bank branches have closed. The representative informed me that he would simply not be able to apply a provisional credit to my account per the PNC Bank policy regarding XXXX transactions and that I would need to wait the full 45 days for the conclusion of the fraud investigation. It was a bizarre conversation given all the confidence and assurance I had received prior this final decision. After several hours spent throughout the week working towards a resolution, I have lost faith in the customer service of PNC Bank and have decided to seek other forms of recourse. PNC Bank has neglected to offer any sort of positive customer experience to me in this matter. They have neglected to perform due diligence in terms of applying comprehensive security policies that would prevent this type of breach from occurring. PNC Bank is required under the Electronic Fund Transfer Act to repay customers when funds are illegally taken out of their account without authorization. They are failing to recognize this and uphold this commitment. I have the names of each PNC Bank employee that I had spoken to and have much more documented detail to this issue. | ||||||
| 03/15/2023 | Yes |
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Web | Older American |
| Complaint against PNC Bank. Part one PNC Bank Failed to check if contract valid, and failed to block the illegal charge after I requested, which caused me {$1100.00}, possible {$1300.00} loss. My son and me signed up membership of XXXX XXXX XXXX XXXX, MD, in XXXX XXXX with a monthly payment of {$79.00}. They asked my PNC bank account information to directly charge my bank account in order to get discount. ( See the agreement/contract ). I didnt know the risk of being charged by XXXX XXXX without my consent. In XX/XX/XXXX, the club was closed due to Covid 19 pandemic emergency, and froze all membership. On XX/XX/XXXX, I received an email notice from XXXX XXXX XXXX, saying that they would reopen on XX/XX/XXXX. Because I was close to XXXX ages old, high-risk group to Covid-19, I didnt want to take risk. I sent request to XXXX XXXX immediately, asking to keep my account frozen. I received the confirmation email from XXXX XXXX XXXX on the same say ( see XXXX XXXX confirmation of receiving my request ). In order to avoid XXXX XXXX continuing charging me, I checked my bank account for the following 6 months, didn't see new charge from XXXX XXXX, I stopped checking. However, XXXX XXXX, XXXX, I was shocked to find that XXXX XXXX XXXX had charged me without notice on my PNC bank account since XXXX, XXXX, 18 months ago, {$1400.00}, plus {$69.00} charge on XX/XX/XXXX, total amount is {$1500.00} ( see XXXX XXXX illegal charges from XXXX, XXXX to XXXX XXXX ). The {$190.00} is not included, I will explain later. I immediately called XXXX XXXX XXXX XXXX, asked why they charged me without notifying me? The front desk man told me that the frozen account would be automatically unfrozen in 3 months, which is not completely right ( See Inactive term in agreement/contract ). I told him that it was still in pandemic emergency, you cant force a normal agreement. He asked me to send email to XXXX, I did, and also sent email to XXXX, asked " stop charging and refund my money ''. ( see emails of asking to stop charging and refund my money ). XXXX XXXX, XXXX, I called PNC bank, reported what happened and asked PNC to block the payment to XXXX XXXX. PNC bank representative told me that PNC bank would do investigation, needing about 10 days. The lady of PNC bank put the rest 18 payments on dispute, but missed an extra {$69.00} charge on XX/XX/XXXX, which allowed XXXX XXXX to charge me {$190.00} on XXXX XXXX, XXXX illegally again ( See XXXX XXXX illegal charges from XXXX, XXXX to XXXX XXXX ). I sent a follow-up email to XXXX on XXXX XXXX, XXXX ( see follow-up email on XXXX XXXX, XXXX ), I pointed out that we are still in pandemic emergency ; I never received any notice from XXXX XXXX about unfreezing my account ; I was one month to XXXX XXXX XXXX when XXXX XXXX reopened my membership without notice ; you received government aid, which is not allow you to force seniors back to take risk. In this email, I asked to cancel my membership too, XXXX XXXX did send an email on XXXX XXXX, XXXX for leaving XXXX feedback ( see After cancellation, XXXX sent a survey email ), which indicates that my membership was cancelled. All the above information I reported to PNC bank by phone and by email. PNC bank credited 5 payments back to me, total {$390.00}, but 13 payments plus {$69.00} are not credited back, total {$1100.00} not refunded by XXXX XXXX, and not credited by PNC bank at the time : XXXX XXXX, XXXX. Because PNC bank didnt block XXXX XXXX XXXX allowed it to charge me {$190.00} on XXXX XXXX, 9 days after I called PNC bank to block XXXX XXXX on XXXX XXXX, XXXX, and 7 days after I cancelled my membership. I complained to PNC bank about this new illegal charge, PNC bank put the {$190.00} as dispute credit. I have not received the final notice on the credit, PNC bank may revoke the credit back. Then the total lost would be {$1300.00}. I am here to complain PNC bank failed to follow the laws to protect my money in PNC bank account. The reasons as follows. XXXX, PNC bank failed to check if the agreement I signed with XXXX XXXX in XX/XX/XXXX was valid when XXXX XXXX suddenly recharged me in XXXX, XXXX. When a contract payment stopped for 18 months, suddenly the business charged again, which is automatically a warning sign : is it a new contract or old contract? New contract needs to be verified with another side, old contract after 18 months no payments is still valid? Besides, Maryland law doesnt allow health club to have automatic renew clause in contract ( see attachment ). the old contract was expired according to the law, PNC bank has obligation to verify the contract valid by checking with me. But PNC bank did nothing, but treated it as valid contract, and allowed XXXX XXXX to charge me based on void contract without checking with me. In addition, even if PNC bank believed that the agreement was valid, the Inactive Term in the agreement, the cause of freezing the membership was due to the covid -19 pandemic ( normally is disability or illness, pandemic is even worse than that ), based on the Inactive term of the agreement, the cause covid 19 pandemic was still not over, and I was XXXX XXXX XXXX, XXXX XXXX would not have right to charge me without my consent and the fact that we have never gone back to XXXX XXXX after it closed in XXXX, XXXX. XXXX, PNC bank failed to block the XXXX XXXX after I reported on XXXX XXXX about XXXX XXXX illegal charges and requested PNC bank to block any charges from XXXX XXXX immediately. PNC bank didnt block XXXX XXXX XXXX allow it to charge me {$190.00} on XXXX XXXX, XXXX, which is violating the law. Part Two PNC bank put our money in active account to abandoned and unclaimed property account without checking with us. I opened my accounts with PNC bank in XXXX, XXXX in New Jersey, until today we have been with PNC bank for 20 years. My son and me moved to Maryland in late of XXXX, XXXX, my wife still lived and worked in XXXX. I opened an individual money market account under my savings some time XXXX. In XX/XX/XXXX, my wife and me went to PNC bank, XXXX, MD, to convert this account into joint account. With helped by PNC bank clerk, we showed our identifications, and filled out forms, and signed. The new joint account number is XXXX, with {$180000.00} amount. Sometime in middle of XXXX XXXX, lady from PNC bank, called me, and told me that my money market fund has no activity for long time ( 3 years ), by Maryland law, which is unclaimed abandoned property, PNC bank put the money to Government account. This shocked me. XXXX, The money market fund was just changed from single account to joint account on XX/XX/XXXX, about 70 days ago, it is a new account. Or if count as a continuing account of the individual account, how could the conversion of the account be not an activity? XXXX, Our joint checking account under both our names has been active for 19 years, about 10 or more transactions per month. Anytime, I opened my PNC accounts online, I access the checking and savings accounts in the same page. How could PNC bank treat the savings account under the same names in the same page as " Abandoned property ''? 3, I read Maryland law, the " unclaimed or abandoned property '', is the property or bank account without activity in three years or more, and bank tried all the ways to find the owner ( s ) in at least 3 months, but failed to find the owner ( s ). I have never received email, letter, or any message from PNC bank until the phone call from PNC in middle of XXXX, XXXX. All above show that PNC bank didnt follow the laws to handle our money, after I complained, PNC bank put the money back, but didnt say they did wrong in the case closed notice to me. The mishandled our money shows that PNC bank didnt follow the laws, which is a long- standing problem, not accident. Therefore, it is clear that PNC bank ignored to check the validation of the agreement ( contract ), to allow the charges from XXXX XXXX by a void contract, which is not an accident but a pattern of law violation. ( The attachment information I already sent to PNC bank by emails. If CFPB needs the information, I could provide upon request ) | ||||||
| 04/02/2021 | Yes |
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Web | |
| To Whom It XXXX Concern, References : XXXX and XXXX On XX/XX/XXXX, I identified suspicious activity and unauthorized transactions that were made using my Debit Card. I immediately contacted the PNC customer service department by phone to dispute the transactions that were not completed by, or authorized, by me. These transactions by their name and merchant appeared to be based in a foreign country. The PNC representative advised that the transactions/debits were still pending, and a formal dispute could not be submitted until the transactions cleared. I was told by the PNC representative to call back the following week to officially dispute the transactions. The only direct action taken by the PNC representative was to cancel out my debit card and refer me to a PNC branch for a new debit card. Specific details of the fraud and unauthorized transactions were not obtained, nor asked for. I was, though, advised that PNC has a 100 % fraud liability protection for its customers. The transactions in question totaled {$7000.00} along with fees related to the foreign transactions in the amount of {$240.00}. On XX/XX/XXXX, in addition to contacting PNC, I contacted and filed a report of identity theft with the local police, the FTC, the credit bureaus, and the SSA. On XX/XX/XXXX, I again contacted the PNC customer service department by phone and spoke with XXXX. At this time the PNC representative was willing to accept a formal dispute of the transactions that were not completed by or authorized by me. I was advised a complete investigation would be completed by PNC and I would hear back when the investigation was complete. On this date the fees totally {$240.00} were credited back to my account while the investigation was being performed. While filing the dispute I was asked a few yes or no questions, but specific details of the fraud and unauthorized transactions again were not obtained or asked for. On XX/XX/XXXX, after hearing nothing, I contacted the PNC customer service department by phone. The representative, and they advised my claim was denied. The original fees in the amount of {$240.00} which were credited when the dispute was filed, were also debited on XX/XX/XXXX. During this call, I requested a new dispute be filed as it was not communicated, or clear as to how my claim was denied by PNC. Additionally, I asked to speak with a supervisor to discuss the denial and provide information related to the fraud and unauthorized transactions. On XX/XX/XXXX, I received the letter in the mail from PNC, dated XX/XX/XXXX, indicating after the overall investigation, PNC considered the transactions were valid. Since the dispute was submitted on XX/XX/XXXX, how is a thorough investigation completed on the very next business day XX/XX/XXXX? On XX/XX/XXXX, I was able to speak with a PNC XXXX XXXX XXXX Representative, XXXX XXXX, who indicated that the claim and my concerns would be escalated to the appropriate departments. He advised I needed to be patient as these investigations take time. Later that day, I was contacted by the PNC XXXX Department. During this conversation I was advised that I needed to go to branch location to have a new account opened due to the potential for additional fraud to occur on my account. On XX/XX/XXXX, I went to a local PNC branch at XXXX XXXX XXXX, XXXX, PA XXXX to open a new account and transfer my balance to the new account, and was advised they could not help me due to being short staffed and I needed to make an appointment at a future time if I needed help. Access to my accounts were suspended on the morning of XX/XX/XXXX, and as a result of the PNC branch employees inability to assist me, I was left without access to my account and funds until approximately XXXX pm that evening. During this time, I incurred additional fees in the amount of {$140.00}, stemming from transactions made on my account in the afternoon on XX/XX/XXXX. When I went back to the Branch on the evening of XX/XX/XXXX to open a new account and transfer my balance to the new account I was given a new debit card, which I was advised was active. That evening I went to the grocery store and had my card declined while purchasing groceries. The following morning, when the transactions made on XX/XX/XXXX cleared, I had incurred a negative balance of {$810.00} XXXX {$140.00} of which were overdraft fees XXXX. I was contacted by XXXX XXXX, the PNC XXXX XXXX who assisted me in opening a new account, who advised that the Bank had made an error in how they locked my account which allowed me to make transactions that caused my account to go negative and incur overdraft fees. At this time he assisted me in transferring {$660.00} from my new account to the account that incurred fraud to cover my actual transaction amounts and advised that the fees would be removed due to this error. These fees remain on the account to this day. After completing this process over the phone, we spoke further about the open disputes and noted that it was noted that these transactions were unusually large for me based on my prior transaction history. On XX/XX/XXXX, I received another letter in the mail from PNC, dated XX/XX/XXXX again denying the dispute. Not only was this again 1 day after the dispute was filed, but it was also the day before I spoke to XXXX. On XX/XX/XXXX, he indicated my dispute and concerns were escalated. How was this true, when the denial letter was dated XX/XX/XXXX? Why was there not full disclosure? After multiple calls to PNC, I was able to speak to a PNC representative XXXX XXXX who advised the transactions were considered authorized because my card information was available to the person who completed the transaction. Despite my immediate reporting of the unauthorized use and attestation that the transactions were not authorized. No one could tell me what other action I needed to take. What else could I have done to stop these transactions? These transactions were foreign transactions by a merchant I had never utilized, nor received any goods or services from this merchant, all on the same day emptying my account. I reported these transactions to your financial institution on the day they were made. I find it completely unfathomable that these transactions werent flagged by PNC as invalid or suspicious activity in the first place, but then after I reported them unauthorized, I was still advised that nothing could be done until such transactions cleared. I feel that this delay in taking action by PNC, ultimately resulted in these funds being unrecoverable. I have been a customer of PNC Bank for over 10 years and the level of customer service I was afforded was very disappointing. Some examples of the unsatisfactory service I received include : multiple disputes being denied without ever having spoken to the fraud department or given the opportunity to provide the full details of the fraud, making 5+ requests to obtain the specific details of how the disputes were determined to be authorized, being advised that I should have contacted the merchant despite that information not being available until XX/XX/XXXX when I was able to officially file the dispute, not being contacted by the PNC XXXX department XXXX open a new account based on fraud until XX/XX/XXXX ( 20 days after first reporting the matter ), having my account locked and incurring fees due to an administrative error by PNC XXXX that remains unresolved, consistently spoken down to and made feel that this issue was not important to PNC XXXX Per the multiple denial letters received, I have the right to request the documentation you relied on in making your determination. By way of this letter, I am formally requesting to receive copies of the documentation used to evaluate and making the determination to deny the disputes. Specifically, requesting the documentation and clear indication of what support was used in all three of the denials. I am also requesting to know what other recourse or options are available in appealing these decisions, which I feel were made with little to no true investigation. Regards, XXXX XXXX | ||||||
| 10/16/2019 | Yes |
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I have recently been made aware that PNC is forcing my taxes into escrow despite being paid in full 2nd,3rd and XXXX credit toward 4th QTR. I have provided numerous documentation in support of full mortgage and tax payment however, continued to received numerous phone calls. I would receive numerous phone calls from PNC on a daily basis on both mobile and landlines, sometimes simultaneously. I recently started a now job and work remote, on the phone. The phone calls persisted right before and during my work shift despite my request that they top. I wasn't until I sent an email to the CS department mentioning our intent to seek legal counsel for harassment, that the calls immediately stopped.
This situation has caused emotional stress for myself and my family. My payment history has been consistent for the past 19 years, even the past 4 years being a PNC customer. I don't like being strong armed and threatened into having an escrow. The monies I've been sending for mortgage payments have been applied toward the escrow account despite my objections and providing supporting documentation. PNC really needs to exert the same effort in pro activity and in their so called collections. Issues of this importance should be handled in the same manner as the collection attempts, by having a discussion with the customer, paying attention to details and documents, and resolving in a mutually beneficial manner.
EMAILED CORRESPONDENCE : From : XXXX XXXX XXXX |
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| 09/28/2018 | Yes |
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| PNC Investments This is a story of specific incidents I experienced with PNC Investments and the culture of investment banking post the XXXX economic crisis and end of the Glass-Steagall Act. I am the beneficiary of, XXXX for and have powers of attorney for my mother. She is the account holder in question and I have been entrusted with advisory status since PNC bank first solicited her bank account for investment in XXXX XXXX Treasury Bonds during the quantitative easing of toxic debts due to speculative and fraudulent trading on the part of the investment community in XXXX. She is XXXX years old has XXXX, is XXXX XXXX XXXX, does not balance her check book, barely uses her cell phone ; I manage her financial affairs and have taken on further XXXX XXXX since my reduction in force in XXXX from the ( ) due to dire economic circumstances. In XXXX of XXXX in accordance with planning for her estate, a trust in her name was established. Thenceforth I undertook the process of 'entitling ' her assets into that trust. It took three months and repeated visits and phone calls for PNC Bank to find and process the paperwork, once submitted, that would transfer/entitle her bank account into the Trust. The bank representative was so rude and dismissive I made a complaint and filled in the usual customer service survey with an apologetic follow up phone call. PNC Bank is an affiliate of PNC Investments and at the time that an investment account was established there was an investment representative at the bank itself. PNC Investments lists PNC branch numbers on its brokerage application. Once assets for the bank account were entitled into the trust, I was told there was a separate application process for PNC Investments. I called the local representative for PNC Investments in XX/XX/XXXX and told him that funds for the individual brokerage account needed to be transferred into a trust. He stated a trust account needed to be established first. Papers were sent and the trust account established. I assumed that my intent as to the purpose was clear that funds would be transferred. They were not. Another letter of authorization needed to be filed as well as a POA for that account. Getting my mom to the bank in prior years would not have been a problem, she and myself would have walked, but the distance by this time was too much. The brokerage account, letter of authorization and POA were signed and my signature notarized on XX/XX/XXXX. I XXXX XXXX XXXX the papers a week later because I wanted to make copies but my printer and I believe the banks printer were out of ink or not functioning. I wanted this paper chase to be over, I sent the return envelope without a record of the tracking number. In XXXX PNC online bank statement I noticed that monies were not transferred into the trust account which still held a balance of {$0.00}. I called the PNC Investments 800 number and was told the Trust needed a written letter from her authorizing the transfer of funds. The letter was faxed in XXXX. In XX/XX/XXXX I noticed on the online bank statement the funds had still not been transferred. It has been my experience, that when some issue is at fault and that fault is that of the brokerage, insurance or banking institution, the stonewalling, verification do you have power of attorney fax us the paperwork before we can speak to you defensive posture occurs. I had conducted other banking transactions without this vetting process and it is usually when asked to whom I am speaking. By giving the account number and verifying the name on the account, I was able to learn that the XXXX XXXX and letter of authorization were either not received or not in their computer as received. After I was accused of misrepresenting myself, I explained that I was performing a secretarial function not a fiduciary one, and that my POA was sent to them in XXXX. I then put my mother on the phone so that the customer service representative who never identified herself, could ask my mother if she gave me permission to speak to her regarding the status of the account. The conversation ended with a promise to email the documents after giving her an email address that was already on file and attached to the account. I never received the emailed documents. I then called the local representative and he said he would re-send the application. Needless to say I was/am furious. Repeating the six signatures and a notary stamp, when there must have been a XXXX XXXX record and tracking number, I explained to the local representative XXXX XXXX XXXX, and expecting a different result is the definition of insanity. It is safe to say Mr. XXXX no longer responds to my messages and does not pick up his phone where I am concerned. The is not my first experience of bad faith and a lack of due diligence on the part of a financial institution. XXXX XXXX XXXX/XXXX XXXX also failed to process/electronically transfer funds as requested, while advertising {$600.00} incentives to establish brokerage accounts with their new affiliate XXXX XXXX. They did admit wrongdoing, after it was confirmed that I had power of attorney over the account, but by this time they had proved themselves unworthy of further investment of either time or money. Had the money been invested as instructed the account would have earned {$100.00} in 3 months ; a princely sum in the age of two hundredth percent interest rates on savings and checking accounts. When financial institutions collapsed the economy in XXXX due to fraud, greed and untrustworthy speculative financial instruments, they seven financial institutions and officials of the Federal Reserve, those officials signed two ( 2 ) sheets of paper and were quantitatively eased out of their pain with taxpayer dollars. They went on to grant themselves bonuses and carry on business as usual when they should have been looking at jail time. When an institution is not held accountable for its actions, it creates a false environment and engenders an arrogance conducive to making the same mistakes twice. These mendacious architects of fraud, now turn the table and project a presumption of fraud upon their customers and burden the customer with arbitrary verification, identification, authorization, witnessing administrative practices they do not hold themselves to. Further though the information technology exists to prevent this stonewalling, indeed these financial institutions regularly trade on the potential of these technologies to meet supply and demand. Yet these very same financial institution do not employ the very technologies they presume to manage the equity positions of. There is an attitude of unless you hold a million plus of these positions they will hardly pay you any attention. When they need your money they are in the bank, when flush with trillion dollar market valuations your mere {$50000.00} plus gets hardly a notice. There used to be Savings and Loan banks. There used to be commercial banks for commercial loans to manufacturers when this country actually made goods as opposed to imaginary services. We had to adapt to the financial circumstances we found ourselves in. Politics still subscribes to this narrative a world that no longer exists and we no longer have a narrative that comprehends the ways we are being transformed by third and fourth industrial revolutions. We do live with the social chaos of technology, we do seek out ways to preserve capital, when economic insecurity is the norm. Basic needs of food, shelter and clothing are ignored, or when given at all burdened with work requirements in an economy where wages are stagnant. It makes the investment institution attractive, since they are flush with cash. I have since XXXX XXXX XXXX a new letter of authorization. I do not trust PNC Bank or PNC Investments. If CFPB would monitor the administrative practices surrounding estate planning of the customers, I would appreciate it. | ||||||
| 01/13/2020 | Yes |
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| On XX/XX/XXXX I, XXXX XXXX ( hereinafter I, me, and/or mine ) went to the PNC Bank branch at XXXX XXXX XXXX, XXXX, XXXX, DC XXXX to close my Virtual Wallet checking account, a three-tiered checking account ( with " Spend, '' " Reserve, '' and " Growth '' tiers all nested into a " Virtual Wallet '' ) that I had opened approximately five years prior. I was assisted by the branch manager, and I stated that I wished to close my Virtual Wallet account and end my banking relationship with PNC. The branch manager confirmed my identity and worked to close my Virtual Wallet on his computer. After a few minutes, he stated that my account was closed and gave me a cashier 's check for the balance remaining in my account at that time. The branch manager also offered to securely destroy my debit card for the Virtual Wallet account and I gave the card to him, leaving the branch assuming that I no longer had a banking relationship with PNC. I discovered in XX/XX/XXXX that my accounts had not been completely closed, rather only the Spend tier had been closed. PNC had kept what were formerly the Reserve and Growth portions of my Virtual Wallet open as two separate accounts, one of which had accrued a {$13.00} service fee for low balance and inactivity. I called a PNC customer service representative on XX/XX/XXXX seeking to have the service fee refunded and to close the two accounts, as I had never intended to keep those accounts open. I had requested to close my Virtual Wallet in its entirety on XX/XX/XXXX, not just the Spend portion. The PNC representative on the phone refused to forgive any fees or close any accounts and informed me that I would need to go into a branch to close my accounts. On XX/XX/XXXX, I visited the same XXXX XXXX PNC branch referenced above and informed a PNC representative at the front desk of my issue and desire to close my accounts. She informed me that one of my accounts could be closed immediately as it had a {$0.00} balance. While PNCs negligence in failing to timely close this account upon my original XX/XX/XXXX request is troubling, the account was closed on XX/XX/XXXX and is not at issue in this complaint. The other account -- account number XXXX, formerly the Reserve portion of my Virtual Wallet as evidenced by the attached list of account numbers which was on the bottom of a sheet of checks given to me by PNC upon opening my Virtual Wallet account -- however, had a {$13.00} negative balance due to a service fee. The PNC representative at the front desk of the branch assured me that when the branch manager returned to the branch that afternoon, she would have him forgive the {$13.00} in fees and close the account. But, she said, the transaction would not post in my account until the next day, so account closing would be delayed until that time. The PNC representative also promised to send me documentation verifying closure of my two then-open accounts the following day by email and I gave the representative my email address. Documentation regarding the closure of my accounts does not exist since my interaction with the PNC representative at the branch was a verbal exchange and she later failed to send me any documentation by email, but evidence from PNCs own account records supports my story and the conclusion that PNC intended to close my account on XX/XX/XXXX without charge. Two account statements from PNC covering the periods XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX, respectively, corroborate the above narrative and evince PNC 's intention to forgive the service charge on my account to bring the account to a positive balance such that it may be closed. Both statements are attached to this complaint. The statement for the period XX/XX/XXXX to XX/XX/XXXX shows, on page 3, a Calculated Service Charge of {$13.00} charged on XX/XX/XXXX. The statement for the period XX/XX/XXXX to XX/XX/XXXX shows, on page 3, a Calculated Service Charge Refund of {$13.00}, just as the branch representative said it would. However, PNC acted negligently once more after refunding the service charge and never closed the account once the account had been brought to a non-negative balance, as the branch representative I spoke to said PNC would. I received no documentation stating that my account had been closed, nor did I receive notice that the account had remained open. I trusted that after following PNC 's own instructions to go to a branch to close my account and that after receiving an assurance from a PNC representative that my accounts would be closed that all of my accounts would actually be closed. PNC and its representatives acted negligently in failing to close my account once a refund had been applied. On XX/XX/XXXX, I received an account statement from PNC showing that although the refund for the XXXX service charge had posted, so had another service charge and my account was once again at a negative balance. I received a similar statement on XX/XX/XXXX, reflecting another service charge for the account. I contacted PNC through the secure message center on their website on XX/XX/XXXX, requesting once again that they refund any outstanding service charges and close the XXXX account, as the account should never have remained open after my XX/XX/XXXX account closure nor after my XX/XX/XXXX visit to a PNC branch. I received a response from PNC on XX/XX/XXXX stating that to close my account, I needed to send my current mailing address so that documentation regarding closure of my account could be sent to me. I responded with my address the same day but was dismayed to receive a response from PNC stating that an additional courtesy refund is unavailable at this time and that to close the account I must pay the current negative balance. The message exchange between myself and PNC, in its entirety, is attached to this complaint. PNC has, in the last month, sent me a debit card for my account that remains open -- a debit card ending in XXXX. I have not, and do not intend to, activate this debit card. On information and belief, this debit card is associated with the XXXX account and the account for this debit card should be closed along with the XXXX account. Upon final preparation of this complaint, I visited PNC 's personal banking website, intending to capture the current negative balance associated with the XXXX account and any balance associated with the debit card ending in XXXX. The XXXX account, at the time of my visit to PNC 's website had mysteriously disappeared from personal banking homepage, without a renewed request from me to close the account. Website screen captures from XX/XX/XXXX and XX/XX/XXXX are attached to this complaint showing that PNC had removed the account from my personal view. No documentation has been sent to me notifying me that PNC has closed my account, and thus I have no reason to believe that the XXXX account is closed at this time. PNC has moved from committing negligence to covering up their errors at my ongoing expense. PNC has exhibited a pattern of negligence regarding the closure of my accounts. All three tiers of my Virtual Wallet account should have been closed on XX/XX/XXXX. The accounts which remained open due to PNCs error should have been closed after my XX/XX/XXXX visit to the same PNC branch. Instead, PNC now attempts to charge me to correct its own errors, effectively imposing a financial penalty for closing my account -- a penalty inconsistent with PNCs own policy of charging no fees at account closure. I have attempted on multiple occasions to close my account through various channels -- in person, online, and over the phone -- yet PNCs negligence continues. The continued accrual of service charges on the XXXX account demonstrates that financial injury to me will continue absent intervention against PNC. PNC should allow me to close all accounts free of charge, as I have clearly and continuously requested since XX/XX/XXXX. | ||||||
| 10/28/2022 | Yes |
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| XX/XX/2022 At around XXXX XXXX, I went to a branch location for PNC Bank, where I have a checking account. That particular ATM has a video feature where you are connected to a human teller ( in a remote location ) who handles the transaction with the client. I was withdrawing money from my checking account : {$2300.00}. When the teller put the transaction through, nothing happened on my end. No money came out. I asked the teller what happened. The teller said the computer showed that the money had been withdrawn from my account but that she could see that the machine hadn't dispensed the cash. She stated that she didn't know why it hadn't dispensed and she could not do anything more. She apologized and said that a case would be opened to investigate the problem and that it would take three to 10 days to resolve. I told her that I couldn't wait that long because I needed to pay my XXXX rent. She again apologized and said there was nothing she could do about it. This was very distressing news to me because I don't have any back up accounts and have very limited income. I started to cry. In the bank itself, there were other bank employees at desks. I turned to them and said that the machine had not dispensed the money and that I needed to pay my rent and didn't know what to do. The employees said they did not have money in that location and could not help me. One of the employees mentioned that this had happened earlier in the day and that they had called someone about it and thought it had been fixed. I was quite upset because I needed to pay my rent. One of the bank employees told me that they could give me a " Courtesy Check '' to cover my rent ( made out to my landlord ) so I accepted that. A few days later, I checked my account and noticed that the total balance was back up. I assumed that this was related to the ATM mess up and that PNC had put that money back in the account, since it had never been dispensed. However, rather than the {$2300.00} I had originally tried to withdraw on the XXXX, they had deposited {$2300.00}. As I said, at that point, I thought this was the reversal of the ATM mistake. I did not catch the {$2.00} difference at that point. I thought all was well. XX/XX/2022 That evening I checked my bank account before I went to bed. Nothing had changed. XX/XX/2022 I checked it again in the morning and saw that PNC had withdrawn that same {$2300.00} from my account. It had been coded as a check transaction, not ATM. Now I was confused. PNC still had not returned my money from XX/XX/XXXX. I called PNC Customer Service and received terrible service. The first representative did not believe me and transferred me to someone else without even telling me she was doing so ; I sat on hold for 15 minutes with no clue as to what was happening. After about 15 minutes, a second representative came on the line and explained to me that the {$2300.00} had been returned to my account and that if my account was overdrawn it was due to my own spending. I was taken aback and tried to explain the history of the problem to her. She did not believe what I was telling her. She said, " If you don't believe what I am telling you, that the amount in your checking account is the correct amount, you can leave a message for a supervisor, but they aren't going to get back to you for 24 - 48 hours. '' Her lack of understanding and lack of concern for the seriousness of my situation felt pretty awful. XX/XX/2022 That same day, I returned to the location where it originally happened and it wasn't until I talked to someone in person that I realized how serious this issue was. The supervisor at the bank said that she remembered me from the day it happened ( XX/XX/XXXX ). She reassured me that she knew it was true, that she had been there as a witness herself, and that, further, there was a video record and three witnesses -- just in case the employees investigating this problem did not believe ME. I felt concerned because it had not occurred to me that someone would not have records of the conversation with the original remote teller to know that this was a legitimate complaint and problem to solve. That employee, the supervisor, tried herself to get in touch with someone in the ATM dispute department without success. The original dispute was made on XX/XX/XXXX ; by that date, XX/XX/XXXX, it still had not been opened or reviewed by the ATM dispute department. XX/XX/2022 I was at work and noticed that I had a call coming in from PNC but was not able to speak while at work. The female representative left a voicemail, and provided a phone number to call back ; she stated she would be there until XXXX XXXX. I left four voicemails between XXXXXXXX XXXX and XXXX XXXX the next morning. She finally called me back the next day, XX/XX/2022, late morning. She was annoyed that I had 1 ) left her so many voicemails and 2 ) said that she " hates playing phone tag '' and 3 ) that she was " glad ( I ) had finally answered my phone. '' She expressed her annoyance that I hadn't answered the night before. I was explaining to her what happened. She stated that she did not have any new information for me. I mentioned that I was now at the place where I felt like the only solution was to hire an attorney ( not that I had any money for an attorney ). Later that same day, a second representative tried to contact me, but I was biking and in traffic and could not answer. She left a voicemail stating she was the new person assigned to the case and would be available until XXXXXXXX XXXX I called several times over the next few hours but she did not answer. That was a Friday. XX/XX/XXXX ( Tuesday ) I finally connected with that representative late that afternoon ( XXXX or so ). She explained the delay by telling me that she took Monday off. She stated that she could not do anything about the issue and that she needed to get in touch with the ATM department and they had already left at XXXX XXXX She said that she had emailed the ATM Dispute team but that she had not received any reply and mused that maybe they had a big caseload and were too buys. I stated that the original time table for the resolution of the problem was supposed to be three to 10 days but more than 20 days had already passed without any resolution, or indeed, any communication at all. XX/XX/2022 XXXX that day, about XXXXXXXX XXXX the original {$2300.00} was credited to my account. No communication was received from the bank about this transaction. No one called to follow up on this. XX/XX/2022 I had a call from the XXXX branch ( where the people were who had been speaking with me about this ). However, when I picked up the call, they hung up. No one has called since. PROBLEMS I was unable to make a loan payment on XX/XX/XXXX because my account was overdrawn by {$910.00}. This could be detrimental to my credit score, and not my fault. Friends had offered to XXXX me money to cover that loan payment, but if that money had gone into my account, it would have just been credited to the negative balance, The bank would not approve a provisional credit to me during this 3 week period of me having an overdrawn checking account because, according to the representatives with whom I spoke, ATM disputes do not qualify for provisional credit. The only person was was courteous and understanding and helpful was the supervisor of the local branch where this all began. All other PNC employees were dismissive and uncaring. This was a distressing experience that " cost '' me more than the original {$2300.00} the ATM did not disperse. I believe it's a serious enough problem that it should be brought under review and that a formal apology should be forthcoming from the bank. I may be one of many thousands of PNC customers, but without any of our money, the bank would not exist. This has made me rethink keeping an account with this bank. | ||||||
| 08/07/2023 | Yes |
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| As PNC claimed falsely that they addressed the matter before in a move to avoid culpability I am filing a NEW reason to hold this institution accountable. In fact, PNC was asked to MAIL THE STATEMENT AS REQUIRED BY LAW UNDER FOIA. They did not. They were also asked to send a wire transfer and given the bank info deposit account. THEY DID NOT. They then 'claimed " the matter was previously filed when it wasn't because they are well aware that the CFPB lacks the resources top scrutinize every document. I am also sure they hoped that I will not follow up on their response. At the very least they are more guilty than ever and thankfully the police as time goes on, will see how they manipulate the system. To address their claims 1. THEY DID NOT ADDRESS ANY OF MY CONCERNS about DISBURSEMENT AND CLOSED THE MATTER MAKING FALSE ALLEGATIONS they know will not be validated or verified 2. DOCUMENTS PNC in what can only be called deceptive business practices, did upload without my contact documents of statements from XXXX. EXCEPT the XXXX were in the correct PDF format. The rest that included the period in question were intentionally encrypted, as not PDF, and could not be viewed. That means if later down the line it can be, one can reasonably assume alterations took place. That said, and what I am sure will be to their surprise, it was more than enough to clear my name and prove libel did happen. The sheer audacity is conclusive, they do NOT encourage diversity and most certainly are VERY aware of how to manipulate the system to suit them and failed 3. LETTERS OF DEMAND. PNC again claimed falsely that complicity occurred when it was anything but. What happened was stonewalling through internal emails. Once I recognized their response was unethical, I contacted the OCC about their response and requested record checks as well as informed them of a new filing. I was told they submitted an answer today. They were also told I am doing a NEW complaint as the collect letters keep coming in. PNC has NOT complied NOR addressed a single point in the letter including : ( a ) Despite given the info, no wire was received and PNC continues to deny access to SSDI income in violation of my reasonable accommodation request ( b ) ) PNC were also refusing to comply to a hard copy request of my statements for the period as claimed ( c ) PNC closed the dispute by claiming they addressed the previous issues falsely. They have instead done nothing but commit more crimes by intentionally sending the SAME checks after XXXX already deemed in WRITING they are altered 4. PNC 'S RESPONSE. Despite the deception now downloaded that demonstrates clear intent, the account in question, through THEIR own statement was a RESERVE account with NO OVERDRAFT PROTECTION. That statement was XXXX PDF statement. As it is their doing, PNC, overconfident that playing with the lives of consumers past and present is a sport, and certain it was safe to send only these in the correct format of PDF has inadvertently PROVEN employee fraud. And evidence of it can now be third-party and the best witness of indisputable character is CFPB themselves. One can be assured nothing else needs to be done after this by me but I will continue my civil obligation to the public at large and not back down. 5. Harassment. PNC based on the above and continued refusal to comply with both letter and law is engaging in a cycle of destructive intentional behavior. They have attempted to malign my credibility with allegations of their own. One caveat ; NO ACCOUNT CHANGES FROM RESERVE TO PRINCIPAL ( direct deposit included CHECKING EVER! And I will add I have confirmed with the employer that no change request took place. The XXXX therefore that is on this account is conclusively false on MY END. It is a fraud! They have continued to lie and worse, could simply have wired to money owed, including an additional XXXX XXXX unsent transfer and the matter would have been resolved. INsted they CHOSE slander but I am certain they have no answers for how my account staements for that period has TWO DIFFERENT statements for the SAME time period despite their efforts to hide the evidence. Who changed the reserve? Not I. There are only two options. The coverup covered up nothing when it is you posting it for the world to see what happened had to be true. The funds withheld therefore also prove bias. I suggest strongly you now cease and desist your continued choice to be prejudiced. It is an ugly engagement of PNC 's lack of decency toward the customers reading this 6. PNC themselves have proven who has been telling the truth and who is lying. Keep in mind they, not I closed the accounts. There was never any money in that account up through as they said in submission XX/XX/XXXX. They closed my account on XX/XX/XXXX too soon for any direct deposit change of account aka XXXX to XXXX as checking nor is there any paperwork supporting any changes made. Or do I not know my own account? Enough is enough! Therefore how did a reserve with XXXX overdraft protection get overdrawn? I hope PNC is proud of the havoc they have done as they continue to lose face while with INTENT, lie, withhold income and now VOLUNTARY show evidence themselves of their own computer/civil trespass though clearly not aware of the significance. I WAS DISCRIMINATED AGAINST and no printing of policy can dispute it. They could and should have tried to resolve it instead of changing my bank records only to expose the change. I can say that was satisfying and hope others also persist when wronged to stand their ground. 7. PNC INTENTIONALLY has refused to deposit MY money in violation of XXXX SEPARATE DEMAND LETTERS issued unlike their claims sent. 8. DISBUSEMENT. PNC, in its letter closure, has given what was most important. They have upheld my integrity by not addressing the most serious allegations including : ( a ) The checks they mailed were authentic ( b ) XXXX XXXX amount of {$250.00} was in fact returned after sent XX/XX/XXXX according to XXXX XXXX ( c ) wire transfers could NOT be done and that was why they did not comply ( d ) no crime was committed and the routing/account IS the one on ALL checks I received prior. ( e ) There was no trespass They have stated only what I alleged but failed to address a single claim made as untrue. It is a most glaring omission that leaves nothing to be said. Establishments would have fought vigorously if they truly believed I was slandering the business and PNC 's repeated failures to deal with the matter, only repeating my claim can not be more clear. It also shuts the door on it now being addressed at all if not defended at any time over the last XXXX months. Understandable when paragraphs one AND two detail the CORRECT accounts and MY claim, paragraph XXXX, bank policies, though none were observed, and XXXX, nothing at all. Again false if the checks were resent in my previous complaint and NOT corrected, what is XXXX is the crime itself. You easily could have resolved the matter with the correct numbers as requested TWO DEMAND LETTERS AGO. You resent the SAME checks, you failed to address the checks in the first complaint which prompted a second so the claim is an outright LIE! You callously displayed ethical crimes and ADA ones as well then brazenly claim they were addressed while still continuing to address nothing. How this bank can think prolonging these complaints will make them look anything but guilty is dumbfounding but it is exactly what they are doing while exposing their practices to more and more people. It is a belittling of the public at large as XXXX when the public is paying their salaries. It's a blatant insult but underscores how workplaces allow with escalating regularity, gross employee misconduct by failing to swiftly act to protect their customers. What is demonstrated is they act to protect the employees only. | ||||||
| 07/26/2023 | Yes |
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Web | Older American |
| I directed a letter to XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX PNC Financial Services Group and PNC Bank N.A . It describes fully the events forming the basis for our complaint. While it includes some personal information, it is the best vehicle to summarize the matter and I have included it in the additional documents section below. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX PNC XXXX XXXX XXXX XXXX XXXX at PNC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX XXXX I am writing to you today to bring to your attention a most disturbing and negative interaction my wife and I recently experienced with your financial institution, PNC Bank, N.A. ( hereinafter PNC ). On XX/XX/XXXX, we spoke with a representative of PNC, XXXX XXXX XXXX ( NMLS # XXXX ), with regard to an application for a Home Owner Equity Line of Credit in the amount of {$160000.00}. As background information, we had established a previous HOE line with PNC in XX/XX/XXXX, in the amount of {$100000.00} to assist with home improvements. The increased credit amount was to accommodate additional improvements we had made to our home, subsequent to that time. XXXX XXXX took our application over the telephone, and assured us with our positive credit profile and favorable credit scores, along with our existing relationship, the increased credit request should be no problem. We were subsequently contacted by our XXXX XXXX, XXXX XXXX XXXX ( XXXX # XXXX ), who requested standard documentation to support reported income information. We provided XXXX XXXX with all documents requested. In several discussions with XXXX XXXX, it appeared that she was somewhat overwhelmed by our sources of income. My wife and I are retired, and we generate income from a number of investment sources. I retired in XXXX, and XXXX retired in XXXX. We manage our financial affairs in a sound and prudent manner, and have handled all of our credit obligations impeccably over that fifteen year retirement horizon. The manner in which we generate our income is obviously not the typical situation, such as an applicant who is employed and provides prior years W-2s and recent pay stubs to support their income. My impression was that XXXX XXXX had a difficult time understanding our financial situation. My wife and I are both retired XXXX, XXXX XXXX. XXXX spent XXXX years in banking, primarily as the XXXX XXXXXXXX for several financial institutions here in XXXX. I spent XXXX years in the industry, primarily in the lending function. I served as the XXXX XXXX XXXX for XXXX independent banks over the last XXXX years of my banking career. I bring this to your attention as evidence that we know the banking industry and how it operates. I know a qualified credit request, and would not apply for a loan for which we did not qualify. You can imagine my shock when I was advised by XXXX XXXX on XX/XX/XXXX, that our credit request had been denied by the PNC underwriting department for insufficient income to Page 2 Continuation of Letter to XXXX XXXX XXXX and PNC Bank N.A . service the debt. The specific reason identified in the formal Adverse Action Letter we received dated XX/XX/XXXX, was Excessive Obligations in Relation to Income. In several subsequent discussions with XXXX XXXX, wherein I requested additional information and clarification as to how the income and debt service had been calculated, she was unable to provide specific numbers related thereto or the methodology used to derive it by the underwriting department. On XX/XX/XXXX, I had a lengthy telephone conversation with XXXX XXXX during which she tried to explain how our annual income amount had been calculated. Her explanation was meaningless to me, as the figure she provided ( {$89000.00} in verified income ) had no correlation to any of the income information we had provided. In fact, it was over {$30000.00} less per year than our income verification documents we had submitted for the previous XXXX year period. Because I was insistent that something was wrong or not properly analyzed, XXXX XXXX said she would file an appeal of the decision and have it reviewed by a second underwriter. I have no idea whether or not she filed the appeal, because I never heard from her again. It is my understanding that the telephone calls dealing with credit applications are all recorded by PNC. If that is the case, I believe you would find a review of the XX/XX/XXXX, telephone call most instructive, in terms of providing an accurate summary of the application process we endured and the frustration we experienced in not being able to get credible answers to reasonable questions. Subsequent to the XX/XX/XXXX telephone call, I reviewed all of the information XXXX XXXX had provided relative to the credit underwriting. In an attempt to clarify what I perceived as an erroneous assumption by the PNC underwriter, I sent XXXX XXXX a communique by email outlining where I believed the breakdown occurred. A copy of that email is included for your information. It is interesting to note that at the end of the XX/XX/XXXX telephone call ( a Friday ), XXXX XXXX assured me she would contact me early in the following week to discuss the results of her appeal. On XX/XX/XXXX, ( Sunday ) I directed my email to her. Subsequently, I made XXXX separate telephone calls to her, wherein I left voice-mail messages asking her to acknowledge receipt of the email and to update me on the current status of the appeal. I never received a return call from her. My next communication with PNC was the standard Adverse Action Letter which we received by mail on XX/XX/XXXX. To say that the manner in which this credit request was handled by PNC is a stain on the companys reputation is an understatement. My wife and I believe we did not receive fair treatment from your bank, XXXX XXXX. Subsequently I have reviewed the entire application and credit denial process with several former colleagues in the banking industry, each of whom have a high level of knowledge and expertise related to the bank lending function. All agreed and are willing to give testimony to the fact that, based upon generally accepted principles of credit-granting criteria, the credit request was not handled in the appropriate manner. Within that context, it is interesting to note that the credit facility my wife and I were denied by PNC was, in fact, granted by a competitive financial institution. We executed loan documents on XX/XX/XXXX. Page 3 Continuation of Letter to XXXX XXXX XXXX and PNC Bank N.A . I have taken the time to write to you about this incident, XXXX XXXX, in the hope that some degree of review and action on your part will result in meaningful corrective action within PNC to preclude future applicants from receiving the same treatment my wife and I experienced. As I indicated earlier, we felt that the treatment we received from PNC was eminently unfair. More specifically, we believe that age discrimination played a role in the ultimate credit decision, in direct violation of the Equal Credit Opportunity Act. To that end, I have forwarded a copy of this letter to the governmental agency that administers compliance with that federal statute, the Bureau of Consumer Financial Protection, in the hope that they will take whatever action they deem appropriate. In addition, we have filed a formal consumer complaint with the subject agency regarding the events outlined in this letter. I would be most interested in hearing your thoughts about the matter, once you have had an opportunity to look into it. Sincerely, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX Cc : Bureau of Consumer Financial Protection 1700 G Street NW Washington, DC 20006 | ||||||
| 05/23/2018 | Yes |
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Web | |
| DESCRIPTION OF INCIDENT : ( include names, date, times, location, specific quotes if applicable ) I posted an ad on XXXX on XX/XX/XXXX. Here are the details of conversation I had with the person who did the fraud. Fraud : XXXX XXXX XXXX XXXX Hi, I am very much interested in your AD. Please kindly revert back if it is available. Victim : XXXX XXXX XXXX Yes it is. What is a good time to talk? Fraud : XXXX XXXX XXXX XXXX I am very much interested.I will appreciate it if you will be kind to provide me with the following details : renting price/utilities, deposit if applicable, photos of the place, and also when is the move in date? I do follow clean and healthy habits. Non smoker and drinker. Do get back to me soonest. Victim : XXXX XXXX XXXX XXXX I am only looking currently for 2 months : XX/XX/XXXX and XX/XX/XXXX and then from XX/XX/XXXX until XX/XX/XXXX. The rent is XXXX dollars including utilities for 2 months. Will be XXXX starting XX/XX/XXXX. I can send you the XXXX video of the place If you text me your number. Where do you work? How long are you wanting the accommodation for? The move in date is XX/XX/XXXX and the move out date is XX/XX/XXXX. I have a XXXX month old so let me know if you are ok living in a house with a kid. Fraud : XXXX XXXX XXXX Hi, Thanks for your prompt response. I work with an organization engaged in XXXX XXXX. I am currently in XXXX, XXXX. And am originally XXXX ( XXXX ) .I appreciate the details you gave out to me about your room. Since i m unable to view it in person that helps my judgment. I m okay with the rental fees/utilities.I will be needing your help for much understanding. I can only make my first month Rent /Utilities payment through check because my sponsor is going to be responsible in handling my accommodation for the first month payment for my rent plus other expenses for my relocating and after the first month payment. I will be handling all other payments in person afterwards. Bear with me on this, due to a long distance from XXXX the only way of communication for now is through text Msg or email. And have attached a copy of my ID so you know am serious about getting the place. Can I Trust You to refund any extra balance back to me after deducting rent plus utilities from my first payment you will receive from sponsor because you will be receiving more than the rent on the first check the extra amount is for my travelling and relocating expenses. Let me know if you are comfortable with this and i will be so glad if you can. If you agree I will be needing you to reply back with your Full Name, Address and cell phone on where my company will make out the first payment to secure the place for rent plus utilities, Do get back to me soonest. Victim : XXXX XXXX XXXX XXXX I apologize, I only wanted a female roommate, Sorry it won't work for me Fraud : XXXX XXXX XXXX XXXX Please I am renting the place on behalf of my daughter who is relocating from XXXX to the US I will be needing you to reply back with your Full Name, Address and cell phone on where my company will make out the first payment to secure the place for rent plus utilities, Do get back to me soonest. Victim : XXXX XXXX XXXX XXXX XXXX, I have another person looking at the place tomorrow. She had contacted me first, I want to be fair to her. I can let you know by tomorrow end of the day if the place is still available for sure if you can wait. I don't really have anyone else right now lined up for the apartment other than that one person. Victim : XXXX XXXX XXXX XXXX My name is XXXX XXXX. My new address will be : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. here is the link to the XXXX video where you can see the apartment XXXX XXXX XXXX there is a guy doing the voice over explaining the apartment- he is the current resident. My cell phone number is -XXXX Fraud : XXXX XXXX XXXX XXXX Hi, Thanks for the detailed information. I am going to instruct my sponsor to issue out the soft copy of the check payment to you today. So you can print it out and deposit check via mobile deposit using your bank app on your phone. Like I had explained to you in my previous email there is going to be an extra amount on the check, After the deduction of rent amount. It is meant for my daughter travelling and relocating expenses. I will also like you to take down the AD on XXXX since we are both confirming. I am going to keep you posted with the check payment today. Victim : XXXX XXXX XXXX XXXX Sorry XXXX. I have not confirmed anything. Please don't issue any check,. In my email, I have mentioned that there is one other person who is interested and she will be seeing the apartment tomorrow. If she confirms then I will give her priority. If she is not interested, I can confirm the place with you on Friday.Please don't make any payments right now. Just give me time until Friday to confirm if the place is still available. Fraud : XXXX XXXX XXXX XXXX Please can i send the check today Victim : XXXX XXXX XXXX XXXX Give me till the end of the day today. If the other person is not interested, yes you can send the Check. Will let you know by evening today Victim : XXXX XXXX XXXX XXXX Hello XXXX, sorry for the delay in getting back. You can send me the check today if you are still interested in the place. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Fraud : XXXX XXXX Hi, My financier has issued the check payment on your name which am attaching with this email. It can only be deposited via MOBILE DEPOSIT using your bank app on your phone. Here is the Mobile Deposit Instructions 1. you have to print out both front and back of check 2. Cut both front and back check out carefully to check size. 3. Endorse check back with " For Mobile Deposit Only '' and sign. Deposit the check into your bank account today before XXXX which is cut off time for mobile deposit. Funds will be made available to you next business day. You are to deduct the first month rent and the excess money to my travel agent as per my instruction. Please notify me once the check deposited. You are to send me a pic of the deposit screenshot for my reference. When I deposited the check on XX/XX/XXXX, the money showed up instantly in my account. I made 6 transfers. 3 transfers from XXXX ( an instant money transfer service ) to the email id the Fraud person gave me. The email id I transferred the money to was XXXX ( XXXX XXXX ). The first transaction was for XXXX dollars, the second for XXXX dollars and the third for XXXX dollars. The money was withdrawn from my account on XX/XX/XXXX. The other email id I transferred the money to was XXXX. I transferred XXXX dollars using XXXX and another XXXX dollars using XXXX ( another instant money transfer service ). The money was deducted from my account on XX/XX/XXXX. On XX/XX/XXXX, the XXXX dollar check the fraud person sent to me was withdrawn from my account. I called my bank- PNC on XX/XX/XXXX. I told the bank what had happened. The person I spoke to was XXXX XXXX ( who is in the retail team of PNC ). He told me that once they know why the check was withdraw they can help me file a fraud case. He asked me to call him on XX/XX/XXXX. He also mentioned that he will call me. I didn't get any call from him. I tried calling him many times on XX/XX/XXXX but he didn't answer the call. I left voice messages but he didn't respond. Then I called another customer service member at PNC and they basically told me that they can't file a fraud because I authorized the payments. They said they are sorry that someone in their team gave me incorrect information about helping file a case but they said sorry. I filed a police complaint on XX/XX/XXXX. | ||||||
| 02/26/2020 | Yes |
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Web | |
| This is a long and confusing journey but it's started about this time LAST year so XX/XX/2019. Sadly I don't have all of the paperwork from that time or this number would probably be doubled! All in all, in less than a year, it has COST me {$1000.00} excluding some fees with utility companies that I wasn't able to easily locate. The problem begins with my account somehow switching from a free checking account to performance, which up until this all started I was completely unaware of because there was always enough money in the account that I wasn't charged simply for having the account. So for having insufficient funds ( and to make a whole 0.4 % interest on funds ) I get to pay {$15.00} per month and the very first overdraw last year when this first became an issue, was due to PNC taking their precious {$15.00} before something else came out. I feel that I should mention here in the beginning that I am the primary account manager for both myself and my mother 's accounts with PNC. This includes two checking accounts, savings, two revolving credit accounts, mortgage and a credit card. That also means that linked to my checking account, which is the primary spend account, is a checking and savings that combined never have less than {$4500.00} and typically would be over {$6000.00}. They ARE set up as overdraft protection for my account, not that it seems to matter or do any good. There have been times that, albeit making a bad situation worse, it has been my own negligence that has caused the overdraft and would warrant the fees valid. However, that is when the revolving credit should prevent an overdraft and that's how I found out that somehow, maybe in my sleep I turned that protection off. Now why in the fluke ( I'm gon na censor myself a lot through this ) would I ever do that?! Why would anyone ever do that? Come to find a letter that I never saw informing me that my overdraft account has been discontinued and can be reinstated after a hold on my account was lifted. So no it never was that I took it off then never turned it back on. This resulted in almost {$500.00} in fees accrued over one weekend during the slow season in my business.This time is typically XXXX through XXXX with some relief around the holidays and during this time can be months where my base expenses are more than my earnings. I know this and know that things can get tight which is why I have and am so thankful for the overdraft protection. PNC will always put themselves before anything or anyone else in regards to things being paid, and they have a tendency to decline the utilities or cell phones and cable. This not only is infuriating because it's the billers that charge their own fees for things like returned checks and late payments, but also horrifying because the most recent victim was my gas company which almost lead to my gas being shut off in the dead of winter! Back in XX/XX/XXXX, which is about as far back as the paperwork I have been collecting goes, this happened with my water bill. Everything is on autopay from the mortgage and car payment to utilities to credit cards to my gym membership. I know how forgetful and scatterbrained I can be so it's the only way to ensure the bills will be paid on time. So when they declined the water bill from coming out I was charged a {$36.00} overdraft fee and then a following {$36.00} returned item fee. Being that it is the water which we NEED it tried to collect the money 3 times which led to two {$36.00} overdraft fees and three {$36.00} returned item fees for the same transaction essentially! On the water companies end of things it also cost me three {$20.00} returned check fees, and then a {$12.00} late payment fee because, I was unaware that all the bullspit the previous month had knocked it out of autopay. This has now also happened for the gas company only I can't enroll back in autopay for 6 months because, being this is the time of year with most gas usage, unpaid month and fees and late fees led to an {$840.00} gas bill that I had to make a payment plan for to be paid on a budget over the next 22 months. I also now have a mark on my credit from the returned check fee going into collections which is all thanks to PNC. Another majorly crooked thing they did was in XXXX last year when I was charged almost {$500.00} over a weekend, they made sure to try and take a payment out for the revolving credit that IS AN ACCOUNT WITH THEM, and charged an overdrawn fee AND returned item fee on their own bogus charge! Despite there being glaringly obvious problems going on and me attempting to straighten things out or prevent further hemorrhaging, overdrafts continue to happen, the account continues to be some feed performance account and I continue to wonder how many other people go through this and maybe don't even know and just pay it blindly. This time it is not just the slow season for me as for the first time in my adult life I am unemployed, and dealing with family emergencies, which making it very difficult to focus on getting a job quickly. So to add a huge load of stress to the most stressful time I think I've ever encountered, I have my XXXX bank charging me a minimum of {$150.00} in fees every month that I have no income to pay for and that's cause other much more important items to go into default! Also, I again point out that this very thing could be happening to elderly or other young adults or surely the impoverished that PNC is making a mint on! I do honestly believe someone would be wise to look into grounds for a class-action lawsuit against PNC for malicious business practices. As I said earlier I only have paperwork dating back to halloween of last year readily available and that short period of time they still charged me over {$1000.00} to do my banking with them. Also there are some papers that if you work like a detective to piece it together show that I was fumbling on my end to transfer money from other accounts to prevent fees and they STILL did the transactions in an order that charged me fees. Below I will list the fees and charges as well as I can : XX/XX/XXXX {$72.00} Overdrawn for XXXX XXXX TWICE ( {$530.00} deposited XX/XX/XXXX ) XX/XX/XXXX {$72.00} Overdrawn for both XXXX and XXXX XXXX XX/XX/XXXX {$36.00} Returned item fee on PNC Credit account XX/XX/XXXX {$72.00} Overdrawn and returned item fee for XXXX XXXX XX/XX/XXXX {$7.00} Continuous overdrawn XX/XX/XXXX {$28.00} Continuous overdrawn for 4 days XX/XX/XXXX {$7.00} Continuous overdrawn XX/XX/XXXX{$36.00} Overdrawn for XXXX XX/XX/XXXX {$7.00} Continuous overdrawn fee XX/XX/XXXX Checking statement ( XX/XX/XXXX-XX/XX/XXXX ) shows charges and fees THIS PERIOD are {$290.00} total and added to the YTD {$840.00} makes {$1100.00} paid that far in XX/XX/XXXX! XX/XX/XXXX Letter stating Overdraft protection has been discontinued ( received XX/XX/XXXX ) XX/XX/XXXX {$30.00} Returned check fee with XXXX XX/XX/XXXX {$15.00} Calculated service charge XX/XX/XXXX {$36.00} Overdrawn for XXXX XX/XX/XXXX {$15.00} Calculated service charge XX/XX/XXXX {$36.00} Overdrawn for XXXX XXXX ( however {$250.00} transferred XX/XX/XXXX ) Currently XX/XX/XXXX to today : {$15.00} Service fee {$7.00} Continuous overdrawn fee $ XXXXX4 Overdrawn fees $ XXXXX2 Returned item fee for XXXX XXXX and XXXX All in all if you call it a year that's {$1600.00} to bank with PNC and I know I'm leaving out fees from the companies they didn't pay and probably some other miscellaneous charges. I think that would make an entertaining commercial for them, " Bank with PNC, it may cost less than your car insurance if you're a terrible driver! '' | ||||||
| 10/16/2021 | Yes |
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| I have a BBVA Checking and savings account. My account used to be held by SIMPLE, but they were bought out by BBVA and my accounts were merged and now controlled by BBVA. I have had numerous deposits coming into this account by direct deposit and this was my main banking account. Well the issue first started on XXXX XXXX of this year ( XX/XX/XXXX ) i was u able to transfer money from my savings to my checking online and I was unable to withdrawal any money at the atm. I called BBVA and they informed me that my call could and issue could only be handled by BBVA enterprise frXXXX team so I had them transfer me but to my suprise being XXXX on a Friday the enterprise fraud team closed early and wouldnt be available until Monday morning. Well it was XXXX XXXX I was trying to buy my dad a gift and withdrawal money from my account in which I was left without access to my funds all weekend. Come Monday morning XX/XX/XXXX XXXX I called again bc I recieved no follow up call. I had even emailed the dept through my online portal numerous times over the weekend and recieved no update. So I called bright and early Monday morning and once again was told my issue needed to be resolved by BBVAs enterprise fraud XXXX, so they transferred me. I waited on hold for two hours before the line disconnected. I called again informed the regular BBVA support team that no one answered my call and my call was dropped so they tried to transfer mr again. Same thing except I didnt wait two hours for the line to disconnect. I called again and asked for a supervisor. A supervisor ( XXXX ) informed me that my account was frozen by the enterprise fraud dept and could only be unfroze through that dept. I told her I couldnt get a hold of anyone and she escalated the issue. I tried numerous times to call the number given to no avail. A week goes by and I still have yet to RECIEVE a response call back email anything in terms of communicating with me about resolving my account issues. I finally called again a weeks later after not recieving any response and not having access to much needed funds in my account on XX/XX/XXXX where I asked for a supervisor. I informed the supervisor once again of my issues and not being able to access my funds in which I had a balance of over {$1000.00} in my savings and {$98.00} in my checking. She informed me that she would see to it that someone from enterprise fraud would call me today in hopes to get this issue in which I still was not aware of what the actual issue was and hopefully get it resolved. I recieved a call on XX/XX/XXXX from someone in the enterprise fraud dept!!! It took them over a month to inform me of the reasons why my funds were frozen and after I had reached out numerous times and had no access to my funds! Of course I was not able to answer the phone when the man called at XXXX bc I was working and it was a number I wasnt familiar with from Texas XXXX He left a voicemail and said that I had recieved a deposit from the state of arizona whilr my account was still held with SIMPLE ( so before simple and BBVA merged ) back in XX/XX/XXXX for {$730.00} in which I was not permitted to RECIEVE, which is not true. I tried calling the man back the same day ( XXXX with BBVA ENTERPRISE FRAUD ) he didnt answer so I left a voicemail with my contact information! I recieved no call back after that, and when I tried to call again the next day XX/XX/XXXX his voicemail stated he was out of the office for the rest of the week and wouldnt be available until XX/XX/XXXX. Just my luck. So how can I resolve an issue of a frozen account that they unlawfully froze kept my access to funds and took over a month to reach out? So I waited but at this time BBVA had informed its customers that PNC BANk Bought them out and BBVA was now going to be merging with PNC BAnk. We were told we would be getting new account numbers etc by XX/XX/XXXX. In the meantime its now XX/XX/XXXX and ive tried every outlet you can XXXX to have someone fix my account I emailed the proper channels I left messeges on XXXX XXXX voicemail with proof of the transactions that they said I wasnt verified to RECIEVE and no one responded or communicated bacj with me! In fact I never even heard from XXXX from bbva enterprise fraud department again and the next thing you know I get my BBVA statement in the mail stating my account was now closed and BBVA TOOK THE REMAINING FUNDS OF OVER {$2000.00} to pay for a transaction that I was verified and prooved I was verified to RECIEVE!!! This entire issue has created a hardship in my life as I was due to RECIEVE my tax refund to that account in which I still have not recieved of over {$9800.00}, I was also due to get my child tax credit advance payments to that account as Im a single mother of XXXX young boys and I heavily rely upon those funds to survive and pay my rent in which I still have not recieved a payment for. This issue not being resolved accordingly has created a domino affect on my life they closed my account without proper due diligence and without proper communication, they obviously didnt even look at the information and verification of funds I uploaded to them and never even had the decency to communicate with me to resolve the issues that the unjustly created!!! Those funds were all I had at the time for my kids and I and they closed my account took the rest of my money, I wasnt able to get my tax refund so thats still delayed along with any of the payments Im due to RECIEVE from the cares act and probably reported the closure to the credit companies so it has affected me on numerous angles and its all done completly fraudulently on their end! They did not follow their policy and then the PNC MERGE just mage the entire situation even more difficult for me as a customer to navigate! The customer service was non existent! I paid for them to basically steal my funds and tell me oh well! And now bc of this I have no checking account and am having trouble opening a new one else where bc they labeled me a risk!!!!!!! What the heck is this wozld coming to where I entrust my financials with a bank and get everything stolen from me based off of their apparent suspicion of a transaction that happened a year prior and before the merged the first time and that I have documentation proofing Im verified and was approved and validated to RECIEVE and then close the account and label me as high risk so I cant even open a new account!! Not to mention all the deposits I was waiting for during the course of this two month act of idiocy and complete disregard to their own banking and policy practices!!! How can they take sll my money and do that without even properly informing me or giving correcting the issue when I give them all percent information!! They dont do their die deligence and i as a consumer get victimized by this bank not once but multiple times??? Im infuriated that this was able to happen and after all the outlets I tried in getting ahold of sny one or messeges I left voicemails emails uploaded documents supervisors I talked to enterprise team I talked to that this issue wasnt properly or justly handled in any way and my children and I suffer not the XXXX dollar bank wrongfully accusing and stealing money from their customers based on s sispicion that they dont even have the sense to look into or research in order to make the proper informed decision or options as far as a resolution!!!??? Its wrong and Im disgusted. | ||||||
| 08/19/2019 | Yes |
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Web | |
| Hi,I have been a PNC bank customer since XXXX, when i was a New Jersey resident. In XXXX, i moved outside the US but maintained my checking account with PNC, which i have accessed regularly via their web-based platform (https://www.pnc.com/en/personal-banking.html). In XX/XX/XXXX, i tried to access my account the same way as usual but got rejected by the system. Since PNC strictly insist to only communicate in writing through their secured communication channels (emails and chat), which was then unavailable to me, the only way for me to get in touch was over the phone. I looked up for an international toll free number on PNC website and found one on their customer care webpage (https://www.pnc.com/en/customer-service.html) under the "Personal Banking Account" section. I was obliged to call them at two occasions XX/XX/XXXX and XX/XX/XXXX) to reinstate the remote access to my account. Given, the instructions provided on PNC website ("Calling from outside the United States? General Customer Service can be reached by calling International Collect, XXXX, to help you with your existing PNC accounts") I expected these calls to be at no charge to me. However, when i received the phone bill from my local phone operator i discovered i had been charged for an aggregate amount close to $XXXX (XXXX euros). In XXXX, I called my local operator, who confirmed that they had effectively been charged themselves by the US phone operator, as if the number was actually not toll free. My local phone operator took the initiative to call PNC Technical Service directly to understand the root cause of the problem. In parallel I contacted PNC Customer Service. See below for a full transcript of my interactions since July 30 using the secured email tool on the PNC web-based homebank platform.The responses i received from PNC Customer Service were vague, general and did not address my questions. My last message on XX/XX/XXXX has been left unanswered so far. As far i know, the investigations from my local operator directly with PNC have not yet yielded any response either. This silence suggests that PNC have no intention to provide any specific response nor identify clear responsibilities for the issue, and are happy to leave me with a $XXXX phone charge, incurred to solve a problem they created in the first place.I hope you will be able to help me out.Thanks,TRANSCRIPT[XX/XX/XXXX: Me] Good morning, This quick note to let you know that my local cellphone operator "XXXX" has just informed me that they took the initiative to contact PNC Mrs "EmployeeName1" to clarify payment responsibility for a series of phone calls made to PNC International toll-free number XXXX XXXX XXXX. Indeed, at two occasions XX/XX/XXXX and XX/XX/XXXX I was obliged to call PNC to solve a an issue in connection to my online access and subsequently got charged for my calls in spite of it being advertised as international toll free. Would really appreciate if you could be so kind to follow this up for me. Many thanks by anticipation. XX/XX/XXXX: Bank] Dear Mr "XXXX", Thank you for contacting us through the Secured Message Center! I would like to first apologize for the circumstance. All though we have provided the toll-free number, we would not be responsible for the fees that are being charged by the phone company as this is not something we are requesting to be charged. I will certainly file feedback in regards to this to ensure we work towards providing a better experience in the future. Signed: "EmployeeName2"[XX/XX/XXXX Me:] Dear "EmployeeName2", Many thanks for your response, which I have carefully read. I fully understand that XXXX dollar may be immaterial for a large company like PNC, but I hope you would understand in turn that it is a sizeable amount of money for an individual customer, so please kindly allow me to follow up on your answer. The fact of the matter is that my decision to call the XXXX XXXX XXXX number was solely based on my faith in PNC website s representation that this is an international toll free number provided by PNC. Such a representation is obviously a contractual commitment from PNC in favour of all their customers, i.e. a commitment that these calls are always charged to PNC and never to their customer. It follows that PNC must have taken adequate arrangements to fulfil this commitment and whenever something goes wrong, PNC must be concerned by such a failure to fulfil their commitment, and cooperate in good faith to help clarify what went wrong. This the only thing I am, as a longstanding PNC customer, kindly and formally requesting at this stage : your help to go to the bottom of this and understand what went wrong. My first question would be: could you please kindly confirm whether the international toll free service XXXX XXXX XXXX was effectively a service I was entitled to as a PNC customer at the time I made these calls in Spring XXXX, i.e. that this service had not been deactivated for my account, e.g. for the same reasons which led to the deactivation of my online access. As a second question at this stage, I would like to ask you if you have succeeded in contacting Mrs "EmployeeName1" and if you have been informed of the outcome of any interaction she may have had with my local Telecom service provider, named "XXXX" and based in "XXXXCountryName"? Please be sure that I really do appreciate your help in this.[8/06: Bank] Dear Mr "XXXX", Thank you for contacting us through the Secured Message Center! I can definitely understand your concern, I would feel the same way, Mr "XXXX". Although we have the International number to provide if you are out of the country and you are requesting to speak to someone in regards to a issue with your debit, there may be a fee to for the international#. You can also contact our customer service department directly to avoid the charge as well. After further review, I do not show a request to contact "EmployeeName1" at this time, I do apologize for the inconvenience this may have caused. I would recommend contacting us back directly via chat or customer service to further review your account or any other questions or concerns to make sure your issue is resolved in a timely manner. Signed: "EmployeeName3"XX/XX/XXXX: Me] Dear "EmployeeName3", Thanks for your empathetic response. Your explanations do not seem unfortunately to make a lot of logical nor legal sense to me. The words ...International toll free number... are specifically meant to express the ability for PNC customers who are out of the country to contact the bank with respect to account-related issues WITHOUT being charged for the international#. Otherwise it would simply be called, well, a standard phone number. Furthermore, at that time, i could not contact your customer service department directly to avoid the charge, since the issue was precisely concerning my being abruptly cut-off from online access and therefore from all email communications with PNC, since the bank does not allow for email exchange outside of their secured platform. I know for a fact there has been contact taken by my local phone operator directly with PNC and I will allow for some more time to leave a chance for that channel to work out. In the meantime, i have a question for you: is there a mediation procedure within PNC, like an ombudsman, or any person who can serve as a conciliator in case of apparent deadlock, which could be called upon? | ||||||
| 08/01/2020 | Yes |
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Web | |
| On XX/XX/XXXX, I noticed that there were purchases from XXXX on my checking account with PNC. I printed out my bank statement and went through and highlighted which transitions were fraudulent. I then called XXXX to confirm with them - they were able to confirm that these purchases were no associated with my account. They also found that my card had been added to another account, but were not able to give me any other information and advised me to call my bank and close my bank card. I immediately called my local PNC branch and let them know what happened. They closed that debit card and were sending me another card. They also advised me to dispute those transactions through pnc.com. Still, on XX/XX/XXXX, I disputed a TOTAL of 11 charges in my checking account for the following dates : ( ALL AMAZON ) 1. XX/XX/XXXX for {$23.00} 2. XX/XX/XXXX for {$34.00} 3. XX/XX/XXXX for $ {$12.00} 4. XX/XX/XXXX for {$15.00} 5. XX/XX/XXXX for {$39.00} 6. XX/XX/XXXX for {$63.00} 7. XX/XX/XXXX for {$41.00} 8. XX/XX/XXXX for {$47.00} 9. XX/XX/XXXX for {$35.00} 10. XX/XX/XXXX for {$130.00} 11. XX/XX/XXXX for {$36.00} I printed the submitted information and kept copies. I immediately received provisional funds for all of the money that I had just disputed. On XX/XX/XXXX, I noticed the credit of {$100.00} in my account. On XX/XX/XXXX, ALL of the provisional credits I had received on XX/XX/XXXX were reversed. On XX/XX/XXXX, I noticed this reversal and called my local PNC branch. The branch representative opened up the dispute to read the notes and was unable to understand what the notes meant, so she contacted whoever was in charge of disputes and stated that she would give me a call back. My local branch representative called later that day ( XX/XX/XXXX ) and said she spoke with whomever is part of the dispute process. She stated that the dispute team said that it had been OVER 60 days ( which is their policy ) and mentioned transactions dating back to XXXX with XXXX. I told the local branch representative that I was not disputing ALL of XXXX, because of course I shop there. Just those 11 disputes. She said she noticed that and asked that question and the dispute team stated that they did ALL OR NOTHING. That I would have to dispute ALL of the XXXX transactions or none of them. She said that they advised for me to call XXXX. The dispute team also told the local branch representative that the credit of {$100.00} was a courtesy credit not a refund. So, that same day ( XX/XX/XXXX ), I called XXXX. They were unable to tell me anything about the account who had registered my card on there account, but offered to 3-way call PNC to state that the 11 charges I was disputing were not associated with my account. I then 3-way called the PNC local branch and spoke with the same branch representative. She stated that she had just talked to her branch manager, because she said that this situation did not make sense to her. She put me on hold and transferred me to the branch manager. At this point, it was a 3-way call with my local PNC branch and an XXXX representative. The PNC branch manager attempted to get more information about the other account ; however, XXXX stated that they could not access another customers account without certain information due to privacy reasons. They did ; however, confirm that those 11 charges were not associated with my account. Once it was back to just me speaking with the PNC local branch manager, she stated that she would file another dispute and include more detailed notes and Amazons information. She also advised that I get a credit card, so it would be easier to dispute a claim and it would not be dealing with my actual money. This was done on XX/XX/XXXX. On XX/XX/XXXX, I received at letter from PNC that was dated XX/XX/XXXX. They noted that I did not dispute the 11 transactions in a timely manner ( 60 days ) and that is the reason that they would not be refunding my money. I immediately called the XXXX number listed at the bottom. When the representative answered, I explained the situation ( all listed above ) and stated that my initial dispute was on XX/XX/XXXX and the EARLIEST dispute transaction was dated on XX/XX/XXXX and that this was STILL within a 60 day timeline. The representative had me on hold for about 5 minutes while she spoke with the dispute department. She came back on the line and stated that when I made the initial dispute, it was for XX/XX/XXXX and that is why is was out of 60 days. I told her that I NEVER disputed a transaction from XX/XX/XXXX and the earliest was XX/XX/XXXX. I also told her that I had my confirmation of submission of those disputes right in front of me and no where on that paper did it mention XX/XX/XXXX. She stated that I also did not receive a refund because I submitted OVER 50 transactions for dispute and that I can not re-dispute any of those same transactions. I told her that I ONLY disputed 11 transactions and it started with XX/XX/XXXX. We went back and forth several times. Ultmately, she was no help. I asked to speak with someone from the dispute department and she stated that they are not customer based. She offered to file another dispute, but said I would likely not receive a refund because I submitted over 50+ disputes ( escalated amounts is what she called it. ), apparently. I told her I dont know how they got over 50 disputes from the 11 that I ACTUALLY reported. Again, I mentioned over and over that I had my documentation right in front of me. She also never mentioned this " all or nothing '' wording that was described to me earlier. She offered to have a manager call, but stated that it would not resolve anything. She stated that he would just reiterate what she told me. I asked her, if someone stole my debit card, went to XXXX and bought a {$5000.00} TV and I tried to dispute that charge, I would not get money back because Ive shopped at XXXX before? This is basically what has happened. They have not offered ANY support. She stated a manager would call within 24-48 hours. I DO want to note that the local branch has been WONDERFUL. They have tried hard to figure out how to deal with this, but utilmately it is out of their hands. I then called Consumer Financial Protection Bureau and am filing a complaint. At this point, I do not feel comfortable with having my hard-earned money handled by PNC Bank. I know ~ {$500.00} does not seem like a lot, but my husband has XXXX XXXX and recently lost his job due to making too many mistakes. Hes XXXX and has been diagnosed with early XXXX along with his MS. We are having to figure out how to afford his new medication ( infusions ) which cost {$140000.00} EACH and hes getting 2 in the next three weeks. Every dollar counts for us at this time and this has been the most disheartening experience. We have already switched banks and have just left my checking and savings open with PNC to make sure we switch everything over and until this is all over. I have attached my copies of the 11 transactions that I actually disputed with the dates. This is why I am not sure how they are coming up with 50+. I blacked-out my name and account number because it is stated in the complaint instructions above to leave that information out. I can send papers without black-out if needed. | ||||||
| 11/05/2023 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/XXXX, after numerous phone calls and numerous filings of documents, I formally submitted a letter to PNC Bank and copying administrators that should be aware of the corporate business practices. My letter dealt with two issues that have impeded my ability to clear the title on my property. I will provide details important to both situations but in summary they are : 1. PNC issued a Lender Placed Insurance policy and has refused to comply with Consumer Financial Protection Bureau Section 1024.37 ( h ) ( 2 ) dealing with the reasonable clause. 2. The borrower has submitted a payment XX/XX/XXXX, the lender has cashed the check but refused to apply to the loan as of the date of the receipt. The two issues are interrelated and the second stems from the first. As such, I will address issue one first. Lender Placed Insurance Policy In XXXX of XXXX, I made a payment by check to my insurance carrier XXXX XXXX XXXXXXXX XXXX. Around XXXX, I became aware that the check had not arrived and after attempting to find the missing check, I delivered a replacement payment directly to the local office. The insurance carrier refused to make the policy retroactive to the lapse date. On XX/XX/XXXX, I received a letter from PNC that a Lender-Placed Insurance policy was put in place with a annual rate of {$8600.00} and structure coverage capping at {$620000.00} and no personal property coverage. Initially the policy was for a month but was cut off as of XX/XX/XXXX, when proof of coverage with XXXX XXXX XXXXXXXX was shown to be effective. PNC sent a second letter on XX/XX/XXXX, reducing the premium from {$700.00} to {$440.00}. The premium was for the period XX/XX/XXXX, to XX/XX/XXXX. I did some research that the charge must be bona fide and reasonable. I made several calls requesting information to support the reasonableness and was unable to reach the appropriate department. I submitted written requests in XXXX, XXXX, XXXX and XXXX of XXXX and received no responses. The written requests went to several of the departments. I received no response from PNC. The final payment of the loan was due XX/XX/XXXX, and a payment of {$1100.00} was submitted. The amount was the best estimate of the remaining loan balance with appropriate interest ( and was consistent with PNC supplied statements ).. The check was cashed on XX/XX/XXXX and is still in the PNC accounts. I got a call from a PNC representative on XX/XX/XXXX, and he stated that PNC would not accept the payment. We discussed the reason for the situation and the impasse. He was going to have the appropriate person contact me. After that I talked with several representatives and requested support for the reasonableness of the charge quotes from other carriers or the risk analysis to justify the amount. No information has been provided. My annual policy premium with XXXX XXXX XXXXXXXX was {$4000.00} and had structure coverage of {$720000.00}, other structures of {$72000.00}, Personal Property {$540000.00}, and Living Expenses of {$140000.00}. The policy with Standard Guaranty Insurance was for structure {$620000.00} and other structures of {$62000.00} no other coverage was provided. To summarize the policies XXXX XXXX XXXXXXXX coverage of {>= $1,000,000} in damage ; Standard Guaranty was for {$680000.00}. Although Standard Guaranty covers only 46 % of the property covered by XXXX XXXX XXXX, they have charged over 215 % of the XXXX XXXX XXXXXXXX premium. As of this date I have received no information that this charge is reasonable. In the most recent conversation with XXXX XXXX XXXX XXXX, XXXX, XXXX Client Relations, she stated that since PNC added no charges to the insurance charges then it was reasonable. I believe that this interpretation would gut the provisions of this section. The statutes are being applied to the Lender Placed Insurance policies and this was issued by Standard Guaranty. Standard Guaranty Insurance are the ones that issued and priced the policy. PNC has acted as gate keeper and obstructed me from understanding why the premium is 215 % of a normal policy premium with only 46 % coverage. Creditors Obligation to credit payment to the consumers account : The Consumer Financial Protection Bureau regulation 1026.10 states that A creditor shall credit a payment to the consumers account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge. The payments to PNC have been submitted via checks issued from our account with XXXX XXXX XXXX. A check for {$1100.00} was issued and deposited by PNC on XX/XX/XXXX. I talked with a PNC representative on XX/XX/XXXX, and confirmed that the payment was for our loan. The amount of the check was derived from a PNC document reporting the loan balance and interest ( thru XX/XX/XXXX ). Subsequent to this I received a check from PNC for the amount paid and a notice assessing a late payment and additional interest. The check was dated XX/XX/XXXX ( 5 days after the due date of the payment ). After talking to several PNC representatives I received some promises on providing support for reasonableness and that the late fee would be waived ( I have not received information on either of these promises. Our account has been assigned to XXXX XXXX XXXX, XXXX Client Relations, I have quoted her above related to the reasonableness issue. Her position on the payment is that it was not sufficient to cover the remaining loan principal with interest and that the payment received would not be applied to the loan and so would continue to accrue interest. In summary, PNC has our funds and is paying us no interest but will be charging us interest on the loan balance that should have been reduced. In a phone call with XXXX XXXX XXXX on XX/XX/XXXX, I requested, and she agreed to provide : A summary of the loan activity, A written statement on PNCs position on the reasonableness of the charges, and A written statement on PNCs position on the treatment of the loan payment. I am hoping to resolve these issues and complete my business with PNC. The following documents are included with this letter : Documentation of numerous written correspondence with PNC PNC statement indicating the loan balance and interest due date of XX/XX/XXXX. Voided check XXXX for {$1100.00}. If any additional information is needed write or email me XXXX In a response to my letter to PNC, I was contacted with an XXXX also with Executive Client Relations. In our discussion, she acknowledged that the payment of {$1100.00} did cover the outstanding loan balance with interest but due to the escrow the payment could not be reapplied to the loan and would continue to incur late charges and interest. I offered to make full payment for the disputed insurance under protest and subject to dispute if PNC would reapply the funds held to the loan as of the date paid ( XX/XX/XXXX ). That would eliminate the late fees and the added interest. XXXX stated PNC would not do that but if we made a payment consisting of the insurance premium, late fees ( currently charged ) and the added interest they would then apply the retained funds to the loan and clear the mortgage. I am in process of getting written commitments that they will follow through with this. Due to the history, I am not confident that they are trustworthy. | ||||||
| 08/08/2023 | Yes |
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Web | Servicemember |
| On or about the time and date of XXXX, PNC Bank was contacted by my person to ensure the transparency of a transaction involving a Negotiable Instrument. An electronic communication was established with PNC Bank in order to transact using the instrument in question. After sending e-mail communication, I was informed as a consumer that a deposit of the Negotiable Instrument in-question, could be processed at the local PNC branch located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. This local branch does not handle bank transactions exceeding {$50000.00}. However, PNC XXXX Bank made clear, that submission of the negotiable instrument for transaction could be processed at a local branch. Prior to presenting the Negotiable Instrument in drive-thru, I had informed the PNC bank officer, XXXX XXXX , that the instrument was in transit for analysis prior to submission for process. There was no follow-up communication provided from PNC Bank to ensure that analysis of the instrument had initialized, prior to contacting my person in real-time. The instrument was processed by the local branch with local branch work-product ( all media processed in the local bank, [ situated at the local branch cashier cage ] ). This assessment was not conducive to the instructions provided in the memo of the instrument used in contract, thereafter, the instrument was processed with regular work from the cashier operation area at the bank ( as determined by the copy of the instrument sent to my person by postal mail ( Dated XXXX ), after the incident in question transpired at the local branch ). The PNC location in question processed the instrument presented without notifying my person that offer, agreement, and acceptance was acknowledged. The instrument was processed as a Check, which clearly conflicts the terms, conditions, and instructions submitted beneath the memorandum section of the Negotiable Instrument in-question, where identified legal language is present stating Reference prepaid personal item ; exchange acknowledgement Void Where Prohibited by Law This draft is an offer of tender and discharges the obligation per, UCC 1-103 , 1-104, 3-603 ( a ) ( b ) and Public Policy House Joint Resolution 192 XXXX XX/XX/XXXX. In the event that the instrument could or could not be processed, I should have been provided an explanation as to how that could transpire via compliance, regulation, or other binding legal authority and whether I could retain my property back without further incident, in the event that transaction could not be processed. This did not occur and it is for this reason, I am presenting cause for complaint before your office and request formal investigation by your staff. Upon receiving an official letter from PNC Bank dated XXXX, a copy of the instrument processed by PNC was mailed to my home address. The copy indicated that the instrument was indeed processed as a check on the date aforementioned herein ( XXXX ). At the top-right/ front-side of the instrument there is a stamp indicating service by the bank, beneath this is a description from the bank stating This is a LEGAL COPY of your check. You can use it the same way you would use the original check. Beneath this message is administrative explanation for not fulfilling transaction in accordance with the instructions provided on instrument, per, RETURN REASON-N ALTERED/FICTICIOUS. I will also note that before the transaction at the local PNC bank occurred, I was already contacted by the PNC XXXX Bank and informed that PNC XXXX Bank staff would assist me with my banking needs presented. Thereafter, I was informed by XXXX XXXX that the minimum amount in order to transact within the PNC XXXX bank was {>= $1,000,000} dollars. However, the amount of funding on the instrument in-question exceeds that standard by XXXX times the amount, a XXXX Account was established, which should have allowed availability of funds. The communication by the Relationship Strategist was assessed prior to PNC bank providing endorsement of the instrument as shown in the attachment ( furnished for review ). Communications as described herein are attached for review for attachment to complaint, and verification of fact sequence in construct of complaint. Closing questions : Why did the PNC branch location issue a stamped endorsement to the credit of the payee, yet not deposit the funds appropriately? ( See also the reverse side [ for confirmation that transaction was mishandled, and funds misappropriated, absent a Good Faith measure ] ). In addition, the reverse side of the copy of the processed instrument, indicates that there were other subsequent transactions processed as it pertains to the immediate matter-in-question. Where is the negotiable instrument involved the instant complaint? Why has the bank confiscated my property without lawful authorization? are both relevant questions. On the date of XX/XX/XXXX, there was a telephonic communication with PNC Branch Manager, at XXXX XXXX Branch, XXXX XXXX, which stated that the instrument was processed as a check, in addition, the branch manager informed me that the instrument was now property of PNC bank ( even though there was at no time a hand-to hand exchange of the instrument presented in transaction to authorize said reference ), and would not be returned to my person. After the incident in question, my PNC bank accounts were closed without any basis as to why, when the primary matter-in-question was pending a very significant deposit as displayed on original instrument used in transaction. This is a clear breach of fiduciary responsibility of PNC Bank. At no time did I ever or would I ever agree to the business practice encountered by this financial institution. Legal questions continue to exist as to how this may have transpired. Why couldn't Section 4A of the U.C.C. be acknowledged, per, governing claim of bank negligence related to electronic transfer given the local branch had access to wire instructions ( See also attachment ), It is not commercially reasonable, per, U.C.C. 4A-201 to fail to acknowledge security procedures in the transaction described in complaint, even though instructions were provided in memorandum on negotiable instrument. This item should have been acknowledged in legal language provided prior to transaction. The presence of the XXXX XXXX XXXX emails identify familiarity in the function requested as similar to other Private XXXX Account holders in said XXXX XXXX, ( U.C.C. 4A-202 ( c ) ). The bank was contacted to rectify this incident numerous times to no avail following this incident. The instructions on the negotiable instrument, in concert with XXXX XXXX communication articulate what the proper fund transfer should have been executed, per, U.C.C. 4A-104 ( A ) U.S.C. under title 5 has also been breached in that my privacy is now somewhere at-large due to the business practice of PNC Bank . It is a relative consideration that this matter is observed as time-sensitive in categorization. There are on-going closures of PNC banks throughout the country due to undisclosed reasons made to the general public. Albeit, this concludes the formal complaint-in-chief as it relates to the incident experienced via the transaction involving PNC Bank. | ||||||
| 05/02/2017 | Yes |
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Web | |
| -------this is the description of complaint and interaction with bbb XXXX , I will attach info I have --- Forwarded message ---------- From: " XXXX XXXX " Date: XX/XX/XXXX XXXX XXXX Subject: Re: Fwd: Pnc and XXXX XXXX complaints To: " XXXX XXXX " Cc: I hope i have supplied enough new information On XX/XX/XXXX XXXX XXXX , " XXXX XXXX " wrote: Thank You! XXXX XXXX ,Dispute Resolution Specialis t Better Business Bureau o f XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX p: XXXX ext. XXXX f: XXXX XXXX XXXX Start With Trust The information contained in this message is consideredCONFIDENTIALand for the intended recipient only. Any unauthorized use, dissemination, or copying of this message is prohibited. If you are not the intended recipient, please notify the sender and delete the message. On Fri, XX/XX/XXXX at XXXX XXXX , XXXX XXXX wrote: PNC. The first is collections which they just removed account from. The second came from bank as well On XX/XX/XXXX XXXX XXXX , " XXXX XXXX " wrote: XXXX , The response received was: This is the collection form for pnc, 4 days ago it was pulled from collections. And pnc has it again. They are going to redispute the 3 transactions that were denied, XX/XX/XXXX for XXXX XXXX XXXX , XXXX on XX/XX/XXXX for XXXX , and XXXX on XX/XX/XXXX for XXXX XXXX again, I had reported my card lost or stolen to the bank. And they. Still didnt return them. I spoke frst with XXXX XXXX who escalated this, i am to call her manager in 3 days if nothing heard, XXXX XXXX XXXX XXXX Iwas then transferred to XXXX in escalations, he redispute them, didn't sound hopeful, could take 10 to 90 days for dispute. A XXXX charge off was added to the original balance of XXXX . Thats everything I could do Colletions notice enclosed thank you5 I am not showing the collection notice was enclosed. Please provide the collection notice and advise if you would like to add additional information to your complaint against PNC. Please let me know if you have any questions. Thank You, XXXX XXXX ,Dispute Resolution Specialist Better Business Bureau of XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX p: XXXX ext. XXXX f: XXXX XXXX XXXX Start With Trust The information contained in this message is consideredCONFIDENTIALand for the intended recipient only. Any unauthorized use, dissemination, or copying of this message is prohibited. If you are not the intended recipient, please notify the sender and delete the message. On Thu, XX/XX/XXXX at XXXX XXXX , XXXX XXXX wrote: Did it include the message where I left all details about what is happening with the bank. That info and the form from collections who it is no longer with. On XX/XX/XXXX XXXX XXXX , " XXXX XXXX " wrote: XXXX , I did receive your response to the request for additional information for PNC bank on XX/XX/XXXX . P lease respond to this email with any additional information you would like to add to the complaint. Thank You, XXXX XXXX ,Dispute Resolution Speciali st Better Business Bureau of XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX p: XXXX ext. XXXX f: XXXX XXXX XXXX Start With Trust The information contained in this message is consideredCONFIDENTIALand for the intended recipient only. Any unauthorized use, dissemination, or copying of this message is prohibited. If you are not the intended recipient, please notify the sender and delete the message. ---------- Forwarded message ---------- From: XXXX XXXX Date: Thu, XX/XX/XXXX at XXXX XXXX Subject: Re: Pnc and XXXX XXXX complaints To: XXXX Could you send me a link for sending the one info again I'm not sure if you got what I sent ---------- Forwarded message ---------- From: " XXXX XXXX " Date: XX/XX/XXXX XXXX XXXX Subject: Re: Fwd: Pnc and XXXX XXXX complaints To: " XXXX XXXX " Cc: I hope i have supplied enough new information On XX/XX/XXXX XXXX XXXX , " XXXX XXXX " wrote: Thank You! XXXX XXXX ,Dispute Resolution Specialist Better Business Bureau of XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX p: XXXX ext. XXXX f: XXXX XXXX XXXX Start With Trust The information contained in this message is consideredCONFIDENTIALand for the intended recipient only. Any unauthorized use, dissemination, or copying of this message is prohibited. If you are not the intended recipient, please notify the sender and delete the message. On Fri, XX/XX/XXXX at XXXX XXXX , XXXX XXXX wrote: PNC. The first is collections which they just removed account from. The second came from bank as well On XX/XX/XXXX XXXX XXXX , " XXXX XXXX " wrote: XXXX , The response received was: This is the collection form for pnc, 4 days ago it was pulled from collections. And pnc has it again. They are going to redispute the 3 transactions that were denied, XX/XX/XXXX for XXXX XXXX XXXX , XXXX on XX/XX/XXXX for XXXX , and XXXX on XX/XX/XXXX for XXXX XXXX again, I had reported my card lost or stolen to the bank. And they. Still didnt return them. I spoke frst with XXXX XXXX who escalated this, i am to call her manager in 3 days if nothing heard, XXXX XXXX XXXX XXXX Iwas then transferred to XXXX in escalations, he redispute them, didn't sound hopeful, could take 10 to 90 days for dispute. A XXXX charge off was added to the original balance of XXXX . Thats everything I could do Colletions notice enclosed thank you5 I am not showing the collection notice was enclosed. Please provide the collection notice and advise if you would like to add additional information to your complaint against PNC. Please let me know if you have any questions. Thank You, XXXX XXXX ,Dispute Resolution Specialis t Better Business Bureau of XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX p: XXXX ext. XXXX f: XXXX XXXX XXXX Start With Trust The information contained in this message is consideredCONFIDENTIALand for the intended recipient only. Any unauthorized use, dissemination, or copying of this message is prohibited. If you are not the intended recipient, please notify the sender and delete the message. On Thu, XX/XX/XXXX at XXXX XXXX , XXXX XXXX wrote: Did it include the message where I left all details about what is happening with the bank. That info and the form from collections who it is no longer with. On XX/XX/XXXX XXXX XXXX , " XXXX XXXX " wrote: XXXX , I did receive your response to the request for additional information for PNC bank on XX/XX/XXXX . Please respond to this email with any additional information you would like to add to the complaint. Thank You, XXXX XXXX ,Dispute Resolution Specialis t Better Business Bureau of XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX p: XXXX ext. XXXX f: XXXX XXXX XXXX | ||||||
| 09/24/2020 | Yes |
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Web | Older American |
| Introductory Statement... A home mortgage loan had been approved for the buyer ( myself ) with closing for XX/XX/XXXX. The sellers are moving to South Carolina and the man needs XXXX. On XX/XX/XXXX the loan officer asked if I wanted an appraisal and I declined the appraisal ; on XX/XX/XXXX, loan officer asked realtor for the home inspection results ; on XX/XX/XXXX, demand by underwriter via loan officer to have repair of items in inspection report, mostly seeming related to safety of what I see as age discrimination ; continual delay of closing dates. It has been one unexpected demand after another -- there is the age discrimination in addition to general unwarranted demands and delays of closing dates putting buyer and the sellers in very difficult circumstances ( PNC bank was well informed of all of this ) and very costly circumstances because of PNC 's refusal to allow the closing to go forward due to one demand of the " repair '' works to be done. The inspection report should not have been requested in addition to once it was received by loan officer and sent on to underwriter at which time the underwriter utilized age discrimination and other unnecessary " benevolent '' claiming thinking in dictating my needs and the demanded repairs that were time consuming, costly, and have delayed the one closing time after another and put the sellers and the buyer ( myself ) at risk in multiple other ways. This is one of the most horrendous, discriminatory, unprofessional, misused " benevolent '' claiming rules that I have experienced. I am an independent female who can make my own decisions as to the safety of my home and the needs in the home to ensure my continued excellent health. What all this has done to the good mental health of the sellers and the buyer ( myself ) has been extreme and absolutely unnecessary. In addition to all this, for this to be occurring during the COVID-19 pandemic is absolutely beyond any kind of understanding. No one should have to go through this, however, I understand how minority groups must constantly endure this kind of discrimination and the false " benevolent '' concerns that enforce supposed needs in order to get loans and other kinds of financial needs by these large corporations. There have been multiple emails and telephone conversa tions with the loan officer and the area manager, in addition to one short telephone conversation with the corporate Officer, Executive Client Relations in Support of Mortgage. Something needs to be done about this kind of activity by PNC and how it has affected numerous lives. Schedule of events... During the final processes of the mortgage closing ( the closing date had been already scheduled for XX/XX/XXXX ), the loan officer called to see if I wanted an appraisal. Since I would save money and having an appraisal was not a requirement, I declined. The loan officer was in agreement. A couple days later, I received from the loan officer a request for the home inspection report, which I did send. Within several days on XX/XX/XXXX I received this : XXXX, the underwriter has not issued Final Approval due to items on the inspection report. Anything that is a safety issue or hazardous must be fixed. This loan had a property inspection waiver so we can not count on the appraiser to do a final. Please note all of the repairs must be completed and verified by a licensed professional. There was never any mention of the issue of not having an appraisal versus an underwriter reviewing an inspection report and determining that I would not receive the mortgage unless the safety and hazardous issues were resolved. I believe this was done by the underwriter because I am a XXXX year old woman the underwriter putting her/his biases of the older person and thinking he/she needed to seem benevolent to save this old person from all the hazards in the townhouse. Little did this underwriter know that I am well versed on the needs of older persons due to my education and my work experience in the area of aging and of health. I do not need anyone telling me what hazards are and what can be done to be safe. The work that was required to be done before the loan would close were totally unnecessary and time consuming and created undue and extreme stress. I am a very healthy older person, but the residuals of this extreme stress created by this underwriter continues to this day. Once the e-mail was sent, there were few days to get all the required work completed in order to have the closing on the XXXX. Not only did the required work need to be done by a professional, but it then needed to be in writing by a licensed contractor. When a letter was sent by a licensed contractor, we were then told that it then needed to be inspected by the original home inspector. Then, we received notice that photos were needed of the work of each of the items. No sooner was that done, but then received notice that a summary of each item had to be submitted. It was nearly insanity in how this was handled. Therefore, in addition to the discrimination imposed by the underwriter in requiring the neededwork because of my age ( that I was unable to know what I needed for my own safety ), the process of requiring one more process after the one was completed, on and on and continuing to delay the closing date. There seemed to be no written formal format for such a process. Neither the loan officer nor the area manager ( based in Florida ) seemed not to know the process. Corporate office needs to see that the formal process is outline and in some kind of manual for reference. But, most importantly, the underwriter should not discriminate due to an applicants age. The underwriter, as well as the investors in bank ( apparently the investors have determined this kind of discrimination for loan applicants if the home inspection report is seen by an underwriter ), should real XX/XX/XXXX, a letter from licensed contractor sent verifying work was completed. XX/XX/XXXX, invoice was per additional request from loan officer/underwriter. XX/XX/XXXX and XXXX, photos and the detailed description of the repairs were requested. XX/XX/XXXX, photos sent as well as proposal for new carpeting and installation. XX/XX/XXXX, all materials were sent on to underwriter ; closing date postponed to the XXXX. XX/XX/XXXX, closing date changed to XXXX and now potentially schedule for XXXX. XX/XX/XXXX, actual closing. List of work to be done to satisfy the underwriter... Extension to gutters Stairs on porch to have risers at the back of the step tread AND hand rail ( injury may occur ) Carpet is loose or baggy in primary and guest bedroom ( trip hazard ) Windows stuck or painted shut throughout the house ( safety issue as exit of an emergency would be possible ) Efflorescence on block in basement must verify any water intrusion and repair if applicable Plumbing waste line support strap to be fixed Kitchen outlets must be XXXX Outlets The dryer vent piping is plastic vinyl and exhausts through the roof. Repair as needed with metal piping through the floor and out the crawlspace wall with proper materials. The food disposer wiring under sink needs to be secured better to avoid damage. | ||||||
| 11/30/2020 | Yes |
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| The third week in XXXX was a busy one for my family and my business. I had sales tax to report, a XXXX XXXX with a loose tooth, and discussing the devastating end-of-life care for my brother 's father-in-law. On the evening of XX/XX/XXXX, I am having some heart wrenching conversations with my family over the phone when our CEO ( also spouse, we are a XXXX XXXX ) asks what is up with this text receipt for {$3700.00}? The What? We didn't buy anything this evening. Surely nothing for upwards of {$3000.00}. Everything Stops. I log into our bank account where we had been working so very hard to have enough to manage our expenses with out XXXX XXXX XXXX in the basement and having to shift heavy into online XXXX to manage the devastation of COVID-19 and continued civil unrest. We shut down for COVID-19 and it looked like we would survive. We were vandalized and shut down following protests and it looked like we would survive. We had been able to take that and use our XXXX to help inspire community members this fall. I was thinking that we could weather so many of the challenges facing us as a XXXX XXXX as our friends and neighbors are also struggling. But there it was thousands and thousands of dollars of UNAUTHORIZED CHARGES that would threaten our business once again. It looked like one of our business debit cards was being used to make a large amount of purchases. I went into action. 1. I immediately upon finding out the issue, used PNC bank 's freeze card service to freeze all of our cards and stop any further purchases. 2. I looked to see what charges were all coming from one card and tallied up the amount all told {$15000.00} of charges that were not authorized. 3. I verified that we were still in possession of the card in question. I asked when it had last been used. It had been used that very same day in XXXX NC, so we had the card, but the number was being used to make unauthorized charges. 4. I requested a meeting with XXXX XXXX, Vice President Branch & Business Center Manager PNC Bank NMLS ID : XXXX, via email that evening and gathered any information I could about unauthorized charges. It was so bizarre and I really did not know what to call it, but I knew it was bad and that we needed to resolve the issue right away. The next morning I met with XXXX XXXX at the XXXX XXXX, XXXX, NC branch and had brought all of the information I had regarding the unauthorized transactions. It was really strange. Almost all of the transactions were for multiple hundreds and thousands of dollars. I surrendered the card in question to prove that we had retained possession of the physical card. I asked XXXX XXXX what to do. He indicated that this sort of thing happens all of the time and that I needed to dispute the transactions, they investigate, and then I am likely to be able to have the funds returned. I was asked a series of questions. Did we authorize these transactions or give the card to someone to use? NO. All of the transactions that were not authorized were reported XX/XX/2020, 15 hours after I learned of their existence. I knew it is important to be timely when reporting errors. I was able to file disputes for ten transactions that had posted and would have to call his associate XXXX XXXX as soon as the other transactions had posted. The first batch totaled {$8900.00} and were reported and disputed with XXXX XXXX on XX/XX/2020. The remaining four transactions totaling {$6200.00} were reported on XX/XX/2020, and disputed with XXXX XXXX XX/XX/2020. Provisional Credits were issued on XX/XX/2020 for all of the disputed transactions while they continued their investigation. On XX/XX/2020, I received two letters regarding the two dispute batches indicating that they were resolved and my account will be debited on XX/XX/2020 for all monies. The statement reads " Based on our overall investigation, we consider the transaction ( s ) to be valid and your claim has been denied. '' We have been isolated in NC trying to make this XXXX XXXX work. This is absolutely shocking and devastating. How are they going to call SIX different transactions at XXXX across FOUR states ( TX, GA, VA, CA XXXX in ONE DAY valid? Just a cursory look at our account shows that the XXXX transactions ALONE are absurd. A review of past XXXX purchase history from XX/XX/XXXX-XX/XX/XXXX shows that this account has only amounts well below {$100.00} prior to the string of unauthorized charges in XX/XX/2020. Out total purchase history for XXXX prior to the unauthorized charges is {$140.00}. Why would the PNC Bank 's screening process not find charges in excess of {$800.00} and block them? Furthermore all purchases that were authorized purchases in this time frame are done in North Carolina and at the XXXX NC and XXXX NC locations. I do not understand why I have to pay for charges that were flagged and brought to the attention of PNC within hours of learning of the charges. Why does PNC Bank seem to think that our business has purchased {$550.00} from XXXX XXXX XXXX in Texas a place where we do not reside, do business, or have any other authorized purchase history? I don't understand why I have to pay for unauthorized transactions. After combing through our XXXX account purchases, we can not find any purchases in that account that match the amounts in the unauthorized transactions. A review of past XXXX XXXX " XXXX * '' purchase history of card XXXX from XX/XX/XXXXXX/XX/XXXX shows that this account has only amounts well below {$300.00} prior to the unauthorized charge on XX/XX/2020. Most of these purchases are working meals and client entertainment charges. Most of the charges originate in XXXX NC where the business resides. ALL of the charges with the exception of the unauthorized charge which is clearly a large sum and geographically distinct from the other purchase history. Why does PNC Bank, that purportedly wants to work with small businesses, leave us hanging when their system did not contact us when there are a lot of out-of-state charges start popping up? I hate to say it, but we are very boring, we are very consistent, and we are very local. Review of our records and relevant information including the transaction history, location of payees, and relevant information show that these transactions were unauthorized and certainly not valid. We have not traveled outside of NC in all of XX/XX/XXXX. I don't understand how PNC Bank would see these purchases as valid. We did our part we monitored our account and found the issue. As soon as we found the unauthorized charges we reported in a timely manner. 15 hours after finding out about the issue, I was in their office reporting it. So many businesses are struggling this year. We are a XXXX XXXX. This is our whole livelihood. We work to build our community everyday. We have worked very hard to survive this year of challenges. It is shocking that PNC Bank would feel so comfortable with this decision. If you look at all of the information available, it is easy to see that these charges were not valid, they exposed a big hole in how the whole unauthorized charges program is run. It would be such a shame to let this XXXX decision bring us down. | ||||||
| 06/10/2022 | Yes |
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| So, I have things on my pnc statement that I didnt do, XXXX inquiries about charges that I didnt make and a check that was tried to be cashed or put in my bank account and several other things on my phone such as texts and fraudulent emails and places that I have never purchased from so right away I changed passwords and anything else I could change and than I started calling companies and going to places and told them my phone was hacked and I called the number for pnc and told the associate that my phone was hacked and they said that they couldnt do anything and gave me no information except to go into a pnc branch and talk to someone so I went to the PNC that was closest to me and actually where I had opened the account about 8 months or so which is on the corner of XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX XXXX Fl and talked to the teller and she said I would have to wait to talk to a banker.I cant remember the ladys name but I told her about my phone being hacked and she said what do you want me to do about it as she looked up my account, I told her that for a couple days, I had been trying to figure out what information that I had to change on my account such as passwords and security questions and that the associate on the pnc phone told me to come in and I would be helped.She asked me all these questions about how I thought my phone was hacked and that I had been going around to the different companies thatI thought had been compromised and calling other companies about this hack.She told me that, she could see disputes and I said, yes, I saw that also when I looked into the owner online banking and that I did not make those disputes, she said well there also is a check that you tried to deposit by taking a picture of the check and I told her that I did not do that because I didnt as well as I didnt do any disputes and up here that you did it and I said Im telling you my phone was hacked and that I have to go to these other companies and get things straight or call him on the phone and that I am in the middle of trying to switch everything my passwords and security questions and anything else that and she said well it shows here that she did it and I said Im telling you my phone was hacked and that I have to go to these other companies and get things straight or call him on the phone and that Im in the middle of trying to switch everything my passwords and security questions and anything else that needs to be switched and that I called PNC and they are the ones that told me to come into the branch. She said oh I see that you made sure when you open this account that you did it online, I said no, I came into this branch and talk to a gentleman up by the front where the tellers are, she said no she said look at my computer here it shows that she did it online, I said I am a XXXX patient which I am for XXXX years and on XXXX for XXXX years but I remember talking to A Man and him giving me my bank card the debit card and that he set me up with everything, she told me no theres no way I look at my computer and again I told her look I know what way I made the account I remember the man if he was in there right now I would pointing out but he was not in there right now, she said basically that I was lying I said no the XXXX yeah makes me forget some things but I remember distinctly A Man helping me right up at the tellers whenever I open the account. She said well you tried to deposit a check I said no maam I have not received a check in years and I have not tried to deposit a check here at PNC or any place for that matter I get direct deposit from Social Security because of not only XXXX XXXX but other XXXX that I have! She said well I dont know what you want me to do for you but once this investigation goes through youll probably be charged for these disputes, and I said why would I be charged for things that I didnt do, she said because you probably will be, I said so when somebody hacks your phone and has all your information I have to pay for it? She said yes so what do you want me to do about it I said well maybe I should close this account and get another account so that it got different numbers and everything she said no that it would not help anything! I said so what should I do and she said and her exact words were go to another bank and open your account and close out your PNC account. I said what are you talking about why would I have to just go to another bank she said because it wouldnt matter if you got a different account if they got your your information than you would be best just to go to another bank! So, usually when so many works for a company, they want your business, but she insisted that I should start looking around for another bank and leave PNC, I feel as though I was discriminated against because I dont make much money she was very rude and asked mean it XXXX Patient I am supposed to stay positive and all this lady did was give me negative like as if I was a piece of dirt to her so I said this is ridiculous why would I have to pay when I got hacked she said you just well! She said what do you want me to do about it again, I said well at least give me a different debit card and she said oh I can do that and she said thats all she would do and that she just wanted me to go get another bank account ata different bank, now Ive gotten letters saying about these things that I didnt do, I have a letter that shows a check that has not my signature on it I dont write like that at all and now I am being charged for these disputes that I didnt even make, evidently the check that someone tried to deposit was denied which was good because that is not my signature and I never did that!! I was so upset over all this and me being a XXXX patient and trying to stay positive I try not to get upset but now that everything is trying to be taken away from me by your bank as I only get XXXX and how rude this lady was and I dont even know if you guys are even going read this email but I decided to go ahead and write it, I have sent multiple things to the Federal Trade Commission due to the hack on my phone as well as I still am receiving fraudulent texts and emails from other companies excuse me supposed companies! So now I have decided to bring all this to your attention if anybody even reads this, even though I have no lymph nodes in my right arm and it hurts to write things I am going to make copies of the letters that Ive received from PNC and I will send it to the federal trade commission and any other place that deals with hacks! I will be closing PNC down as the lady just about commanded me to do and I have nothing good to say about PNC! The man that originally helped me open the account for me Was very nice, unlike this lady! I have never ran across a company where an associate tells you that they dont want your business until now, usually companies want your business, I am very upset about everything and its hard enough with my XXXX and XXXX and all, I dont need somebody not wanting my business and not wanting to help me! The dates of the disputes and fraudulent check is XXXX XXXX | ||||||
| 08/28/2022 | Yes |
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| XX/XX/XXXX I arrived at the BBVA Bank ( Now known as PNC Bank ) around XXXXXXXX XXXX or XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I drove straight to the drive-up teller. I sent my settlement check and my driver 's license through the machine to the teller. I waited. The woman teller comes on the speaker and says " Are you making a deposit today? '' I replied, " No, I would like to cash the check. '' After about 3 to 4 minutes or so, she replies, " I can not cash this check, I can only deposit it. It will have a branch hold placed on the check for 7 days due to the amount of the check. '' I replied, " That's okay, I have bills I need to pay by today, thanks. Just send it back. '' She replies, " Just to let you know, anywhere you go they would put a hold on the check. The only bank that will cash this check is the bank on the check. '' I said " Okay, thanks. '' I retrieved my check and driver 's license from the machine and I drove off. I pulled over to search the bank on the check which was XXXX XXXX. I found that this is not a local bank, so I drove over to my regular check cashing place, XXXX XXXX XXXX on XXXX XXXX in XXXX, TX. They told me they couldn't cash my check because they kept receiving an error on their end. I get back in my car and drive all the way to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The agent told me she couldn't cash my check and I grew frustrated and asked her " Why?! '' She stated " We are unable to cash the check it's showing as unauthorized, you should try cashing it at your bank. '' I replied, " I just left my bank, they wanted to place a hold on it, but I have bills due today. '' I ended up leaving there and driving all the way back home. When I got home I saw that I received many email notifications, app notifications, and missed phone calls from BBVA Corporate Fraud Department. I returned the calls to find out that the lady at the bank reported my settlement check as fraud. She also froze my bank account and reported me to the bank. The woman on the phone said she noted " that you tried to cash a fake check at the drive through today. '' My heart dropped. I had just taken the check out of my mailbox and went straight to the bank. I explained this to the BBVA Corporate Representative that I spoke with. I told her the check is not fraud, it is a settlement check from an employer that I applied for in XXXX. I was discriminated against and refused a job and the court settlement just settled last month for the case. I told her the entire encounter with the bank as well and asked why would the woman determine my check is fraud because I declined to deposit it? The representative told me she was unable to unfreeze my accounts and only the bank who placed the freeze would have to unfreeze my account. When I got off the phone with BBVA Fraud Department I called XXXXXXXX XXXX. XXXXXXXX XXXX was the bank listed on the check. I spoke to a woman at their corporate number. I explained the situation and told her my bank reported my check as fraud. She asked for the check number and account number at the bottom. I gave her the information and she stated " The check is real, it's payable. It is not fraud ma'am. '' I called BBVA Corporate back and gave them the information I received from XXXX XXXX. I also asked why didn't the teller just call the bank on the check instead of lying on me. She said she wasn't able to determine why the teller did not verify the check before entering it as fraud. She advised me to go back to that bank and clear my name otherwise they would permanently close my bank accounts for good. I returned back to the BBVA Branch around XXXX XXXX. or XXXXXXXX XXXX. I asked to speak to a branch manager regarding the XXXX discrimination I received earlier in the day. I sat down and spoke with a man named XXXX. He claimed to be a manager there. I explained to him the situation and all he really did was make excuses for the teller stating things like " We can't call to verify everyone 's check 's ... '' " I will have a meeting with her to find out why she flagged your check as fraud without verifying it ... '' I gave him the check and told him " it took literally 4 minutes to verify! '' He gets on the phone and calls XXXX XXXX and verified it. Then he made more excuses like " You're the second person to come in with a check with this exact amount from the same company. '' I replied, " It clearly says settlement check, meaning the mount out the settlement is divided evenly with all parties of the discrimination lawsuit and this looks like another one. You're making up excuses when this is your first time seeing the check! '' He proceeded to make copies of the check, he deposited it, and unfroze my accounts. I left. One day later my accounts were unfrozen. However, the damage was already done. I was XXXX profiled for declining to cash a check. Stress levels through the roof. The teller flagged the check where it could not be cashed anywhere. I could have been falsely arrested at both XXXX places because of the false flag of the check and accusations made against me. XX/XX/XXXX, I ordered my kids clothing online at XXXX their system took my payment and denied it within 5 minutes stating that my financial institution is showing them fraudulent activity. I explained the situation to the woman at XXXX, she stated that she couldn't do anything about this order because it is automatic to prevent fraud. They automatically refunded me {$230.00} for the declined transaction. More embarrassment and humiliation! I called BBVA Corporate and filed a complaint. A lady called me back XX/XX/XXXX or XXXX, XXXX stating she was a supervisor. I explained the situation all over again. Did I get a true apology? No. This lady started scanning through my bank statements stating things like " Let 's see what I can do for you, I see you have a lot of XXXX XXXX Deposits and Unemployment Deposits and lots of Overdraft fees. '' She refunded about {$160.00} worth of overdraft fees that were extremely OLD and already taken care of by me. Then she states " I'm sorry this happened, I will contact the branch to find out why this happened and give you a call back next week. '' I never heard from anyone from BBVA again after that. More attempts to humiliate me. My bank statements and what I purchased or received had nothing to do with being discriminated against and XXXX profiled. The tone in her voice was almost condemning. She did not know how to resolve the problem clearly! The key to proving my innocence was going back to the same bank who flagged the check as fraud and having them deposit it. I am seeking justice regarding this matter. Justice sends a message. Think before you act. No one else who visits the branch should have to go through this. It's clearly a habit. The XXXX reviews for this bank are more proof by consumers that they profile people. I have proof of the check and the fraud notifications I received that day. Til this day it still hurts to remember. | ||||||
| 10/11/2023 | Yes |
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| Wed, XX/XX/XXXX, XXXX Wire transfer happened at XXXX XXXX to PNC bank for US {$160000.00} which was later on next day proved out be a fraud transaction which victim was never aware of it. Thursday XX/XX/XXXX XXXX XXXX - Filed a complaint with XXXX XXXX - XXXX XXXX, CA about the fraud Wire transfer and also with PNC Bank in XXXX, CA and their customer service online around XXXX XXXX and same day filed complaint with local Police department Thursday XX/XX/XXXX XX/XX/XXXX Victim went to PNC Bank in XXXX, CA and informed he can sign any documents on letter head of PNC to get his money back and called PNC bank complaint center that he can indeed send email and verify his ID, Affidavit of support or any Stamp paper document listing that is his money and he even informed that he can mail the document of wire transfer to PNC as many times as he can so that he can be refunded money but PNC ignored to help customer and told him to work with his XXXX XXXX on any wire recall. XX/XX/XXXX - PNC requested for Hold Harmless letter ( HHL ) and never mentioned if they can recall the wire transfer. XX/XX/XXXX - Victim got the HHL Notarized provided to XXXX XXXX and sent to PNC so that they can hold the money. In between lot of times Victim tried to get Hold of XXXX and PNC bank for resolution no answer. The sad story even higher up people at XXXX XXXX or manager level were never aware of Hold harmless letter or letter of indemnification that PNC was looking for and sad to share that PNC indeed was bluntly ignoring all request made by XXXX employee who was working on my case. Question arises : Really bank employees did not know Hold harmless letter or letter of indemnification so how they are able to proceed with bank transactions in recalling them in case an organization makes any mistakes. Really want to share when big banks and institutions do wrong wire transfer, they are able to recover quickly and news comes in media right away about their success but when a victim like me loses money bank employees will come up with nice justifications that dont know the correct procedure to get the wire recalled from another institutions within USA . Also, Victim reached out to XXXX executive branch to help for this matter, The XXXX executive branch again waster 2-3 weeks and arrogantly stated that XXXX can not help victim with Hold harmless letter or letter of indemnification as he accounts has very less money XXXX can only provide that for account over {$1.00} Million in funds. Really that is how banks deal with their client on the basis of Discrimination of Account holder Deposit or savings. Finally, a local branch employee and her manager was able to help on this matter and it took too much time for him to work on this which XXXX executive branch refused to do. So, it clearly shows Higher up XXXX employees were running away from their duties to best deal with customer issues. Only US {$120000.00} PNC refunded after too many requests made by XXXX XXXX on XX/XX/XXXX back to victim account. Still PNC owe to victim - US {$40000.00} and after opening a investigation and claims case with PNC bank - As per them -- PNC is not liable for your loss, and we are therefore declining your request for reimbursement of the outstanding balance of the wired funds. If PNC was able to refund US {$120000.00} then why not US {$40000.00} and PNC never provided any clarification indeed requested if victim has attorney even the things are crystal clear After talking to PNC, they stated in conversation that victim have to submit fraud right away which victim did and then came up with the victim bank never provided HHL to which victim informed his bank did and then again PNC brought another question that it was not in correct format - victim informed that is duty of bank to work together if fraud is being reported to police, FBI and all banks. Then they stated the account in PNC was in fact the legitimate account as victim got report from Police department where it is mentioned the account holder name of Fraud account and when victim informed PNC about same PNC personnel stated that victim is provided wrong information which is provided to him by police department. Finally, victim called police department to get in touch with PNC and indeed police department called back to victim stating that PNC personnel who informed the victim that police report is wrong indeed had word with police department and reason she gave is she lied because if she would have told truth to victim, victim will sue bank, demand money and open fraud case against bank that bank never took any measures carefully to open the account. In the police report it is mentioned that after 34 days there was a withdrawal of US {$32000.00} and US {$2000.00} which comes out to be total of US {$34000.00} around on XX/XX/XXXX. Also the police report mentioned clearly after investigating that the account opened in PNC was a forged account that was opened using someone else identity and the person whose identity was used to open account already informed in interrogation by police department that he never opened any account in PNC bank under his name and he is not aware of any account and never did any transactions in that account .From the report it clearly states that PNC kept frozen wired money in fraud account for almost 34 days but never informed XXXX XXXX and victim and even the fraud was reported within 48 hrs. to XXXX XXXX, PNC Bank, Police department. Even when victim checked with PNC personnel never even let victim ask some questions as if PNC was able to refund the other amount XXXX and they would have frozen other amount US {$40000.00} and refunded that amount that. PNC personnel was giving all the nice excuses and justification defending the PNC fault. So, the total amount for Wire transfer was US {$160000.00}. Only US {$120000.00} was refunded after too many requests made by XXXX XXXX Since there were 2 transactions made by a forged person from PNC of US {$32000.00} and US {$2000.00} which comes out to be total of US {$34000.00}. Not sure where the leftover money went to of US {$6700.00} and no information of this was provided to police department by PNC bank and never provided to myself and my XXXX XXXX by PNC Bank. Even requesting to PNC personnel and explained that the matter is crystal clear with all the complaints involved - PNC personnel outrightly informed victim that she is the one to make a decision and she is at very higher up level who already made decision and denies about the payment of claim or refund to victim. Finally, she said if victim wants to talk to her manager higher level to have conversation - Victim agreed and still PNC personnel stated it is her power to make any decision and even if Victim tried to talk to her manager, it will never work out and victim will never be compensated for any money loss. So, in total I am still at a loss of US {$40000.00}. | ||||||
| 05/01/2020 | Yes |
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| To Whom It May Concern, I truly need your help. My current mortgage loan was originated with XXXX XXXX XXXX. They are no longer in business. They sold the servicing to PNC XX/XX/XXXX. Our current mortgage servicer is still PNC. PNC has been charging me a late fee every month since XXXX XXXX transferred the servicing to them XX/XX/XXXX and showing my payments were not only 30 days late but made after the XXXX of the month per the customer service department XXXX XXXX XXXX ) I spoke with today. This is FALSE. The CSR from PNC even acknowledged that PNC has had these same complaints from other mortgage customers! See payment history attached below and the payment made to XXXX XXXX XXXX XX/XX/XXXX the same month the servicing was sold to PNC. XXXX XXXX also shows a 30-day late payment on my credit report for XX/XX/XXXX and PNC shows I never made a payment yet I have proof the payment was made and on time XX/XX/XXXX as attached. The issue, therefore, lies between XXXX XXXX XXXX who is no longer in business and PNC the servicer. PNC refused to help me resolve this. I started getting notices from PNC regarding late charges in XXXX and called them to resolve this year 's ago. They did nothing. Then XX/XX/XXXX XXXX see attached letter below ) I wrote a letter to PNC explaining with proof again that I was never 30 days late or paying after the XXXX of the month as all payments are made and taken out of my bank account between the XXXX XXXX of the month every month as proven. I am not responsible for when PNC posts the payments or their incompetent accounting practices. I have been 100 % compliant based on the terms of the Note. I also sent PNC my bank statements to show them when the money actually debited out of our checking account. I was assured by the PNC CSR XXXX " XXXX '', at that time ) that this issue would be resolved. Since I stopped getting notices from PNC regarding late charges after my letter in XXXX I thought this was finally resolved. ( I will be sending this information to the credit bureaus as well to get the XX/XX/XXXX late charge removed. ) Fast forward to today : I am currently in the process of refinancing my mortgage. Based on the PNC loan payoff attached that was ordered by my lender I am refinancing with, PNC, my current servicer is charging me 145 days of interest showing I am due for a XX/XX/XXXX payment despite the fact that I made the payment on XX/XX/XXXX ( Another posting mistake on PNC 's part ). See attached proof of payment from XXXX XXXX XXXX attached. PNC has obviously not taken care of anything and is falsely charging me for late fees based on the payoff we have received to refinance my loan ( attached ) through XX/XX/XXXX. PNC has been charging me {$96.00} dollars every month in late fees for a total they say due of {$3900.00} in interest and the payoff is showing 145 days of interest due at {$3100.00}. This makes no mathematical sense either. Even if I had been late ( WHICH I CLEARLY WAS NOT ) it should show 45 days of interest due through XX/XX/XXXX in the amount of {$1900.00} at XXXX per day per diem interest. The lender I am refinancing with and I called PNC together today to try to get a revised accurate payoff to no avail. The customer service representative " XXXX XXXX '' stated PNC would not allow me to speak to a supervisor. The customer service rep is quite incompetent although she tried. It took 50+ minutes of her complaining about how PNC does not care about customers and how she knew she was going to get fired for being on the phone more than 5 minutes but was going to try to help me. Of course, she could not. We told her we were going to file a complaint with the CFPB and the supervisor ( XXXX XXXX ) told her not to give us her name but XXXX did anyway. I would love for someone at the CFPB to hear the CSR recording as it would blow your mind. After 30+ minutes on the phone, XXXX stated that I need to send a letter in writing. I explained that I have already done this and made several calls and that I need to speak to a supervisor now to get this resolved. She told us she would escalate this and we would hear back by XX/XX/XXXX or sooner. This is and has been the definition of insanity. CFPB is my last resort. I am going to continue with my current in-progress refinance and will reluctantly pay this inaccurate payoff to avoid losing my refinancing progress and lower interest rate. I urgently ask CFPB to please help support my efforts to obtain a refund from PNC for the overcharges for the inaccurate late fees ( {$3900.00} ) and the incorrect amount of interest applied from the payoff statement ( {$3100.00} - {$1900.00} ) totaling = {$5200.00}. I can not overstate the number of hours wasted on multiple occasions I've had to endure attempting to get this resolved and my current lender told me that you are the agency that will protect me and others from this kind of blatant/predatory abuse. MORE INFO : This is what the credit report shows inaccurately from XXXX XXXX XXXX which I believe possibly started this issue. Again, between the transfer from XXXX XXXX XXXX and PNC Mortgage. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$380000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/TU/EF History : XX/XX/XXXX ; XXXX Late Dates : LAST LATE DATE XX/XX/XXXX TRANSFERRED TO ANOTHER LENDER ; CONVENTIONAL REAL ESTATE MORTGAGE ; XXXX XXXX ACCOUNT It is clear that I did pay XXXX XXXX on XX/XX/XXXX below and attached Did this not get to PNC at transfer? Is this possibly the reason PNC shows I am late? It is my understanding the law protected me from this type of issue with the transfer of servicing. My credit report clearly shows I have never missed a payment to PNC. The missed payment to XXXX is also clearly inaccurate as you can see from my evidence of payments each month to either XXXX or PNC in XXXX from below - XXXX XXXX XXXX bank account history. It is also " telling '' that PNC has never reported any late payments or past dues to any of the credit bureaus mortgage. How could they possibly charge late fees or state a mortgage payment was missed? This is wrong on so many levels. Here is my payment History per the EFTs directly from my XXXX XXXX XXXX bank account statements attached : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX Escrow Shortage XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XX/XX/XXXX PNC Mortgage Bill Payment XXXX XX/XX/XXXX PNC Mortgage Bill Payment XXXX XX/XX/XXXX PNC Mortgage Bill Payment XXXX | ||||||
| 05/05/2022 | Yes |
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| I purchased the XXXX XXXX XXXX used in XX/XX/XXXX. When COVID19 hit in XXXX, I had already paid around {$45000.00} towards the {$62000.00} purchase priceleaving a balance of around {$22000.00}. My husband lost his first job in XX/XX/XXXX, went back to work for another company, and was laid off again in XX/XX/XXXX. We were also hit with a massive loss during the Texas XXXX XXXX in XX/XX/XXXX. I managed to stay current on the vehicle payments until around XX/XX/XXXX. My husband 's unemployment had run out, and we had no income for 3 months from XXXX XXXX XXXX, at which time I had fallen behind on the XXXX payments. I called BBVA and asked about my options around XX/XX/XXXX or XX/XX/XXXX and was given the opportunity to extend the loan through deferment after making ONE Payment ; this qualified me for a 90-day deferment with an option to extend if the hardship still existed. The deferment was granted in XX/XX/XXXX when I could make the ONE payment that was required, which I made during XX/XX/XXXX. During the same month, PNC Bank purchased BBVA, and the process of taking over the loans began without any correspondence with me and the current status of my XXXX XXXX XXXX loan. I was scheduled to resume my payments in XX/XX/XXXX per the agreement made with BBVA. I did receive correspondence eventually, but this was a generalized letter to all BBVA account holders that stated they would honor the agreements made with BBVA before the takeover by PNC. When I made my XX/XX/XXXX payment, I tried to make an extra payment because I was told if I could make payments during the deferment time, I should do so because the prices at the end of the loan could be too much to be able to pay because of the interest that would accumulate. Because PNC took away the ability to make a payment with a debit card, which was the form of payment I always used with BBVA, I couldn't make sure the money would be removed instantly from my account and not delay the process ; PNC no longer provided this option. I was forced to set up an ACH payment, taking 5-7 days to process. During this time, XXXX unexpectedly debited my account a day prior and left my account with a shortage, and the TWO Payments for the XXXX were returned. When I found this out, I immediately took measures to make the ONE payment not to break the agreement. This payment went through on XX/XX/XXXX which I made early because my payment due date is the XXXX of each month. The following month on or about XX/XX/XXXX, I tried to log into my online account to make XX/XX/XXXX payment and was unsuccessful. I called to have my password reset and was then informed by a representative that my account for the XXXX XXXX XXXX had been charged off on XX/XX/XXXX. I was told to call back because the department I needed to speak with was not open on weekends. I called the following Monday and was told that it was not a big deal ; I could keep the XXXX as long as I made a payment on or before the XXXX day of the month and that as soon as I made my first payment, the 30 day requirement of payments would be in effect. She also encouraged and pressured me to set up ACH payments by using fear tactics that my XXXX was in jeopardy of being reviewed for repossession. I went ahead and scheduled to auto-draft the payment at that time for XX/XX/XXXX. After going over my bills the following day, I decided to call back and push to XX/XX/XXXX to auto-draft and schedule 6 months of payments. Once again, XX/XX/XXXX, came and went, and the withdrawal for XXXX did not try to process until XX/XX/XXXX. I was short on the withdrawal YET again due to other creditors hitting the account with charges I wasn't expecting. As soon as I realized this, I went directly to the local PNC Branch and hand-delivered the payment. IT was immediately deducted from my account, and I decided that all future payments would be hand-delivered. On or about XX/XX/XXXX, I received a text to contact PNC regarding my XXXX loan, and on the same day, I received an email from CFPB about the unlawful repossessions of vehicles by services of auto loans. I then contacted PNC and was told I was given the wrong information when they stated that once I made the first payment, then I would be required to make all future payments within the 30 days so I wouldn't face a repossession review and that my XXXX had indeed been reviewed for repossession and a decision to CURE and ACCELERATE had been mailed. Also, the reason for this was that I failed to make a XXXX payment. He excluded the fact that I tried to make a XXXX payment but had been denied access to do so because my account was charged off in XXXX. I didn't receive this letter until XX/XX/XXXX, and they received my XXXX payment before the letter was sent out. They accepted my XX/XX/XXXX payment, charged off my account, locked me out of my online access during XXXX, and wouldn't allow me to make the payment when I tried to ; they gave me wrong information about how to keep from being reviewed for repossession. After receiving another payment in XX/XX/XXXX, they sent a letter of intent to accelerate the loan by XX/XX/XXXX. I am STILL not past the 30-day mark of them not receiving a payment yet. I have to come up with {$4900.00} by XX/XX/XXXX, or they are coming to take my XXXX, which I have paid over {$45000.00} for to date. Not only this, I received a letter from my GAP Insurance carrier informing me that PNC contacted them and canceled my policy which I have paid, for now over five years. This jeopardizes me in the case of something happening to the XXXX, and I don't receive enough money from insurance to cover the amount that I owe ; PNC can sue me for the remainder of the balance left. How do they have the right to cancel a policy that I purchased, which leaves me vulnerable when they are continually giving me false information that put me in this predicament? I have escalated a complaint with my account through PNC to investigate. I would like to have all recordings and conversations reviewed and the BBVA documents regarding the deferment I was granted before the takeover by PNC Bank. They know what an ACH forces on a consumer, which is why they removed the option of a debit card payment. They force consumers into default who are already having financial stress. That is unfair trade practice, and they know it. Also, the online account portal is difficult to maneuver and without an increased level of skill, you would need assistance to get anything accomplished such as making a payment or requesting additional information on the account. Very hard to recover access if you forget the password. It is almost impossible without a representative and they are the only ones to unlock the account. So then you have to wait on hold to even accomplish the unlocking of your account password. Then they use the safety of the account as a reason for the level of difficulty. It is WRONG! | ||||||
| 10/27/2018 | Yes |
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| To Whom It May Concern : On or about, XX/XX/2016, a friend of my daughter asked me to help her cash a cashiers check in the amount of {$2400.00} ( Exhibit 1 ). My daughters friends name is ( redacted ) After questioning ( redacted ) about how she came into possession of the check, and being satisfied that the check was authentic, and not obtained through fraudulent means, I consented to aid ( redacted ) to cash the cashiers check, as she was the payee of the check. ( redacted ) and I drove to my bank, XXXX XXXX XXXX ( hereafter referred to as XXXX ) and I informed the teller that I desired to cash the cashiers check. The teller informed me that ( the payee ) should sign the back of the check, and print her drivers license number and date of the drivers license expiration on the back of the check. ( The payee ) signed the back of the check with her signature, and printed her drivers license number and date of expiration of the license on the back of the check. ( The payee ) also added her phone number, which was later crossed out by the teller. The teller also requested that ( the payee ) place her thumb print on the front of the check, which ( the payee ) did. ( The payee ) then handed the check to me and I handed it to the teller. The teller instructed me to sign the check on the back under the information and signature of ( the payee ), which I did ( Exhibit 1 ). I then handed the check to the teller. The teller compared the information, and the signature, on the payee 's drivers license with the signature and information that ( the payee ) had entered on the back of the check. The teller inspected my drivers license, and gave me {$2400.00} and I gave the {$2400.00} to ( the payee ), and in accordance with, U.C.C. Article 3 Sections 302, 305 and 306, I became a holder in due course of the cashiers check shown in ( Exhibit 1 ). Several days later, I received a phone call from my bank ( XXXX ) informing me that PNC Bank denied payment of the cashiers check, because of suspicion of fraud, and my bank ( XXXX ) was debiting my account for {$2400.00} ( Exhibit 2 ). I went to my bank ( XXXX ) the day I received the phone call informing me that PNC refused to pay the cashiers check, and asked personnel at my bank ( XXXX ) to contact PNC Bank, and inquire as to why PNC Bank suspected fraud. The personnel at my bank ( XXXX ) informed me they would not contact PNC Bank, because PNC Bank would not tell them ( XXXX ) the reason PNC Bank suspected fraud. XXXX informed me I would have to contact PNC Bank to inquire as to why PNC Bank suspected fraud. Thus, began many frustrating phone conversations with PNC Bank personnel who were ignorant, or pretended to be ignorant, of the provisions of the U.C.C., as it relates to bank checks or cashiers checks. The PNC Bank personnel I communicated with were, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was told XXXX XXXX is a branch manager of a PNC Bank. All of these individuals appeared to be ignorant, or pretended to be ignorant, of the contents of the U.C.C., as it pertains to banking. XXXX XXXX informed me that, The check was denied due to an endorsement issue. It was not endorsed properly. I informed XXXX XXXX that the check was endorsed exactly the way the teller at my bank ( XXXX ) instructed. XXXX XXXX told me that the payee, XXXX XXXX, had to endorse the check as payable to me, in order for me to be a holder in due course. The U.C.C. in section 3-205 states that a blank endorsement by the payee of a check renders the check payable to bearer. XXXX XXXX made a blank endorsement on the check and handed it to me, so I became the bearer with the right to cash the check. Either XXXX or XXXX, told me they were suspicious of the check because it was issued by PNC Bank on, XX/XX/2016, and was presented for payment in XXXX XXXX, Nevada, XX/XX/2016. I explained that the check was mailed from a payroll department in XXXX, Ohio to XXXX XXXX, Nevada by Express 1-Day mail ( Exhibit 3 ). They ignored my explanation. XXXX XXXX or XXXX XXXX told me that she could not decipher the signature, and that was another reason they considered fraud. If not being able to decipher a signature were a reason to suspect fraud, the majority of negotiable instruments would be suspected of fraud. This cashiers check was presented to PNC Bank for payment by my bank ( XXXX ), and XXXX XXXX and XXXX XXXX should have been aware of that fact. They should know that the bank submitting the check for payment would have verified the signatures on the check before cashing it. XXXX XXXX told me I should seek reimbursement from the payee on the check. The payee is not responsible for paying me the proceeds of the check, she did not do anything wrong, to my knowledge, and if XXXX knows of any wrongdoing by the payee, she should tell me. When I asked to speak to someone in their legal department they refused to do so. When I asked to speak to a supervisor or someone higher in their hierarchy, they directed me to XXXX XXXX, who I was told, is a branch manager of a PNC Bank. XXXX XXXX informed me I would have to initiate a conference call between XXXX XXXX XXXX, who I assume is the remitter for the cashiers check, herself ( XXXX XXXX ), and myself. There is no reason for me to talk to XXXX XXXX XXXX, if he is the remitter or if he is the representative of XXXX XXXX, if XXXX XXXX is the remitter. No matter who the remitter is, the remitter does not have ownership of the cashiers check once it is issued by PNC Bank. The check is the obligation of PNC Bank to pay. The fact that XXXX XXXX is instructing me to talk to XXXX XXXX XXXX, is further evidence PNC Bank is asserting a defense of the remitter, which is a violation of the U.C.C., unless the bank has been indemnified or ordered by a court not to pay the check, and if that happened in this instance they would have to tell me. XXXX XXXX or XXXX XXXX never denied that PNC Bank issued the cashiers check to the payee. They never claimed the check was a counterfeit or was not a genuine PNC Bank cashiers check. I repeatedly told XXXX XXXX and XXXX XXXX that I was a holder in due course, and not subject to the remitters or PNC Banks defenses, except for real defenses, as defined in the U.C.C., and none of the listed real defenses applied in this case. They refused to acknowledge my status of a holder in due course. It is probable that XXXX XXXX and XXXX XXXX were directed to succumb, or they succumbed, to the request of a valued customer, and agreed to deny payment of the cashiers check in detriment to my rights as a holder in due course. XXXX XXXX and XXXX XXXX never suggested to me a method by which I could alleviate their assumptions of fraud. They were recalcitrant in their denial of payment, offering flimsy assertions of fraud, and never showing any desire to reconsider their decision. | ||||||
| 07/14/2020 | Yes |
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| On XX/XX/2020, I spoke to a PNC Bank representative, XXXX, about suspicious activity on a joint account held with my daughter. I disputed all activity on the account as fraudulent and requested that the account be frozen. On XX/XX/2020, I spoke to the same PNC Rep, and explained that my daughter had been a victim of fraud and was scammed into providing her banking information. The PNC Rep said we would be sent an " affidavit '' regarding the issue which we never received. Additionally we provided the name of the man who scammed my daughter, and his phone number, which XXXX said would be forwarded to investigators. I spoke to XXXX again on XX/XX/2020. This time I was able to provide the man 's XXXX Account information and the original text messages from the scammer. On XX/XX/XXXX, I received a letter stating our dispute was denied. I called the number on the letter and the call was re-routed numerous times. I eventually spoke to a man named " XXXX '' who would not give me his last name and said he was an investigator. He said there was nothing he could do and said I needed to speak to the " Escalation '' department again. I spoke to a woman named XXXX XXXX who said I could " re-dispute the disputes '' and that I should again speak to the fraud department. She gave me two numbers to call and said the first number was for the dispute department. The number she gave was XXXX XXXX XXXX XXXX. I asked her to repeat the number twice. The second number was for the fraud department. That number was XXXX. When I called the first number it was a non-working number. The number she gave was fake. I called again and spoke to XXXX XXXX in Escalation. She said the information given to me by XXXX XXXX was false, and said I could not re-dispute a dispute because there was no outside call center to this office. I once again reiterated to Ms. XXXX that my daughter had been scammed into giving out her banking information, and was a victim of fraud. She stated that I would need to wait to hear back from the bank about their decision by mail, and that there was nothing I could do but wait. I did receive two letters stating two disputes were accepted, but on XX/XX/XXXX, I filed a police report with the XXXX XXXX Police Department. I spoke to Sgt. XXXX, Badge # XXXX and explained what happened, including that both of the phony checks deposited into my daughter 's account were from XXXX XXXX and they were forged. The first check was for {$7200.00} and the second for {$7300.00}. The bank sent a copy of one of the checks to me. A case was opened under case # XXXX. I then contacted the Escalation Department at PNC again. This time I spoke to XXXX XXXX. I explained I was trying to wait on PNC to resolve the situation, but I felt it necessary to report the fraudulent activity including my daughter being scammed, the fraudulent use of her information, the depositing of two phony checks into her account to the police. I gave him ( Mr. XXXX ) the number for the case. At the end of XXXX, we received another letter from PNC Bank stating all of our remaining disputes were denied. Only two disputes were accepted. Shortly after receiving this letter I spoke to a woman named XXXX in the PNC Escalation office again. I asked her what our options were, if we could appeal, or what happens now. She could not answer any of my questions. I asked her if she could at the very least provide an address where I could send a complaint or a letter of appeal. She left the phone for a moment, then hung up. On XX/XX/XXXX, we filed an Identity Theft Report with the Federal Trade Commission. The reference # is XXXX. We then received a Standard Checking Statement for the period XXXX. This statement stated the account had been charged-off for the amount of XXXX. I then received another letter stating the account had been closed due to a negative balance of {$10000.00}. The letter said I needed to pay the outstanding balance due by sending a cashiers check. It gave a number to call XXXX. At the bottom of the letter it stated " normal collection activity, collection litigation and/or foreclosure activity may continue on your loan to the extent allowed by law while your request is being reviewed. '' This statement was perplexing since I did not take out a " loan '' and PNC was fully aware of the fraudulent activity. I called the number and spoke to a man named XXXX. I asked him what I could do and were there any alternatives and explained that I had wrote an extensive letter to PNC summarizing all that had happened and provided much detail about the events. He said I could " settle '' in the amount of {$2400.00}. He said I would need to make my first payment by XX/XX/XXXX, and that if I did not, they would forward the debt to a collection agency. He said I could pay any amount ( although the debt should be paid within 6 months ), but said I would NOT receive anything in writing regarding this settlement amount. I asked how would I know if the debt is resolved if I did not receive anything in writing? He said they do not provide written agreements. He said I could call his private line to make a payment XXXX XXXX XXXX, or go to the bank and they would call the office for me to make a payment. Since I have not received anything in writing regarding the settlement amount, and I do not owe PNC Bank anything, I have not made a payment. In summary, 1. my daughter was scammed into giving out her banking information under the assumption she was being employed. 2. A man who's name, picture, and telephone number we provided to PNC deposited two phony checks into my daughter 's account and then made subsequent withdrawals ( XX/XX/2020 ). 3. AS SOON AS WE DISCOVERED THE FRAUD ( XX/XX/2020 ) We reported it to PNC. 4. We also filed a police report to the XXXX XXXX Police and filed an Identity Theft Report to the Federal Trade Commission. 5. To my knowledge ( and based on my last conversation with a PNC Representative who responded to my letter who stated, " it is not PNC 's responsibility to go after a scammer, they only deal with the account holder, '' ) PNC has NOT attempted to prosecute the scammer even though we provided his name, picture, phone number, and XXXX Account. Additionally we were told the bank wrote this off as a business loss, yet they still expect payment. 6. Although the bank is clearly aware of the fraud, I am still expected to pay {$10000.00} and when I called the bank to discuss, 7. I was given a settlement amount by a man named XXXX of {$2400.00}, but was told I would not receive ANYTHING in writing in regard to this settlement amount. My complaint is due to the fact they are still expecting us to pay, although we are the victims of fraud. We do not believe we should have to pay anything, and that PNC BANK should pursue the perpetrator involved. | ||||||
| 10/22/2022 | Yes |
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| On XX/XX/22, I applied online at PNC.com for a home equity loan with a fixed interest rate of XXXX percent which was advertised on their website. On that same page there was a link to apply for a loan which led me to believe that I would be getting a home equity loan with that fixed rate therefore I applied for the loan. The online application required me to upload several documents such as pay stubs, mortgage statements, and home insurance declarations page. On XX/XX/22, I was received an email from a PNC loan processor named XXXX XXXX XXXX XXXX who said that she will be processing my loan application. XXXX XXXX asked that I upload 2 forms of identification as well as my mortgage statement at which time I did for a second time. A week later, I have not heard from XXXX XXXX and left her a voicemail to check on the status of my application. XXXX days later XXXX XXXX called me and confirmed that she received the required documents, and she then emailed me several pages to electronically sign at which time I did. On XX/XX/22, XXXX XXXX sent me an email advising that the home appraisal was completed, and that the application will be sent to the underwriter. On XX/XX/22, XXXX XXXX sent me an email stating that my application is complete and will be sent for closing. On XX/XX/22, I have not heard anything on my closing and called XXXX XXXX to see what the status was. XXXX XXXX extension as going to her a voicemail, and I left her message inquiring about the status of the closing. Several hours later I still have not heard from XXXX XXXX, I then called the customer service and requested to speak to a supervisor. I was advised that a supervisor for the team assigned to my loan application name XXXX was in a different time zone and that a message will be left for him to return my call. By the end of the day XXXX never called me. On XX/XX/22, I called the customer service number and asked to speak to XXXX and again was old that he would return my call later in the day. I then requested to speak to another supervisor since XXXX was not returning my call, the agent informed me that another supervisor was not available and that my application will be escalated. On XX/XX/22, I called the customer service number and spoke with a loan processor name XXXX XXXX who told me that PNC has requested my insurance agent add PNC to the mortgage clause as well as a paid in full receipt on my insurance policy. I called my insurance agent and asked if the clause and receipt can be sent to me. My agent told me that PNC requested the documents a week ago and those documents were mailed. I told XXXX XXXX of this, and she asked me to forward a copy of the documents to her email and to another loan processor named XXXX XXXX at which time I did. On XX/XX/22, XXXX XXXX replied to my email confirming receipt of my insurance clause and receipt and will have the file completed by the end of the day. On XX/XX/22, I called the customer service number and asked to speak to XXXX XXXX, I was advised that she was not in the office. I asked the agent if she can check to see if the insurance documents were placed into the file and she told me that the insurance documents were not received. I then requested a supervisor, and I was again told that a supervisor is not available and that I should contact XXXX XXXX who is the assigned loan processor. I explained to the representative that XXXX XXXX has not been returning phone calls or emails and insisted on speaking to a supervisor. Later that day a supervisor name XXXX called me and told me that XXXX XXXX is no longer with PNC. I expressed my concerns with XXXX that I sent XXXX XXXX several personal documents and now she is gone before completing my loan application. XXXX told me that she would have XXXX XXXX supervisor XXXX will call me back. On XX/XX/22, I still have not heard from XXXX and the closing of my loan never happened as promised. I called customer service to inquire on the status of my loan and the representative told me that PNC is currently paying off a couple of my loans. I told the representative that I was not aware of PNC paying any loans and that I never signed anything agreeing to this. The representative told me that a loan processor will call be back later in the day. At XXXX XXXX a loan processor name XXXX NMLS XXXX called me and told me that PNC needed a payoff statement on a car loan I have as well as a zero-balance letter for a credit card to close on the loan. XXXX said that she will call me later in the day XXXX XXXX to begin the closing process. At XXXX XXXX XXXX called me to begin the closing process and to schedule a day for me to sign the closing documents at a local branch. I asked XXXX to confirm the interest rate and she told me that the rate is going to be XXXX percent. I advised XXXX that on XX/XX/22 the advertised rate was XXXX percent and was under the impression that was what the rate was going to be. XXXX told me that rates have gone up since then and that is the rate for the loan. I expressed to XXXX that at the time I applied the rate was XXXX and the loan was due to close in XXXX until XXXX XXXX abandoned my loan, my process was delayed several weeks. XXXX said that she will make note of the situation for the customer suggestion. On XX/XX/22, I received a call from PNC corporate who asked me to explain what happened. I told the representative about the issues I have had. He offered to have me reapply for the loan, but the interest will be XXXX percent. The representative then asked me if I had anything printed that said what the rate was on XX/XX/22 and I advised him no. He then told me that he will take my situation under consideration for the future and thanked me for speaking to him. I did find a document that was published on XXXX XXXX from XXXX wire that confirms that the PNC rate was XXXX percent. On XX/XX/22, PNC advertised a rate of XXXX percent for home equity loans, and I applied that day based on the rate that was being offered. Since I applied the loan processor assigned to my loan stopped processing my loan delaying the process. At this point I had no knowledge of what was going on with my loan. I have made several attempts to inquire the status of my loan and was given a different answer each time I called. Numerous requests were made to speak with a supervisor named XXXX was told that he would call me back, but he never did. Various personal documents such as mortgage statements and insurance clause were misplaced, and I needed to send additional copies. The PNC mortgage department is clearly a dysfunctional operation, and the incompetent staff severely delayed my closing process. If XXXX XXXX would have completed the process as promised the loan would have been closed prior to the interest rates going up. | ||||||
| 02/04/2023 | Yes |
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| I suspect that PNC is purposely trying to prevent me from making payments or arrangements to bring my mortgage loan current because I have significant equity in my home and PNC would like to foreclose. My loan was in Loss Mitigation ( LM ) with PNC following my submission of a Hardship Assistance Application on XX/XX/XXXX. For over a month, I submitted documents and followed up. PNC replied stating that only " Non Borrower Paystubs '' were missing for my husband ( though I had submitted them with my initial application ). I timely submitted his most recent check stubs on XX/XX/XXXX and asked PNC to confirm the sufficiency of the submission in my email. I called PNC on on XX/XX/XXXX to confirm receipt and they were in. I also received a written acknowledgment of receipt from PNC that same day. It stated : " Please allow 1-5 business days to complete the review of the most recently submitted documents to determine if anything additional is needed. '' That would have been XX/XX/XXXX. I heard nothing from PNC and received no response to my request to confirm the sufficiency of my documents. On XX/XX/XXXX, I sent a notification to PNC that my state 's local agency for federal Homeowners Assistance Fund grant dollars would be contacting them about an application that I have pending. PNC has known for months that I have been seeking grant assistance contemporaneously with efforts to resolve the debt with PNC. I sent the latest email because I had reached the point where the agency would need to reach out to PNC and receive a timely response in order to continue processing my application. Inexplicably, PNC responded the very next day by kicking me out of Loss Mitigation, stating : " Thank you for your email. As of XX/XX/XXXX, your file was removed from Loss Mitigation due to an incomplete Hardship Assistance Application. At this time, your loan no longer requires a single point of contact. Keep in mind, the HAF process can take up to 45 days or more to complete. Our HAF Department will handle any requests from your state and will work them in order. They are working as diligently as possible to get through the backlog of requests. You would need to follow up with your state directly for the status of your claim. '' This was a pretext, as there was NOTHING INCOMPLETE in my file. I followed up diligently using all reasonable efforts and the only thing PNC responded that it needed were check stubs for my husband -- who is not even a borrower -- and I sent them. I think the law requires PNC to present me with LM option ( XXXX ) if my Hardship Application is complete. I pursued LM and HAF options at the same time, in case HAF did not work out. If my loan is not in LM, PNC can begin the foreclosure process and have it underway as PNC also slows around with my HAF application. All without ever even providing me with any LM options! My understanding is that mortgage lenders can not refuse to process a Hardship Application based upon disingenuous claims that the application is incomplete. It appears as if PNC kicked me out of LM immediately after I sent the message regarding HAF, in an attempt to hurry up and foreclose before my HAF process is complete, because I have significant equity in my home. This type of " gotcha '' is a bad consumer practice that is not truly designed to mitigate home loss or assist borrowers experiencing a hardship. Please take note of the following timeline of facts and emails : PNC reviewed my initial application and assigned me a single point of contact in the LM department. XX/XX/XXXX : the contact sent me a checklist of additional items. XX/XX/XXXX : I submitted the last of the items. XX/XX/XXXX : PNC confirmed receipt. I then called several times and could never reach my single point of contact ( POC ) again. I was forced to press " 0 '' and speak with other agents for information. My XXXX also stopped emailing me. Each email response came from another agent. Through all of this, no one provided me with information about missing items, and PNC never emailed me expressing a need for additional documents. The redacted messages below are from emails I have as proof of my own followup and my strenuous attempts to complete my file when PNC went silent after XX/XX/XXXX. FROM ME : Sent : Wednesday, XX/XX/XXXX XXXX XXXX Please let me know the current status of my Loss Mitigation file and options available to me. Thank you. FROM PNC : Sent : Thu, XXXX XX/XX/XXXX XXXX XXXX Thank you for your email. The account is active in Loss Mitigation at this time, it does appear we do need a Non Borrower Paystubs which is due on or before XX/XX/XXXX. Unfortunately, we arent able to advise you at this time of what option you will be approved for but we do have 5 available options within the Loss Mitigation Department 3 retention and 2 liquidation which consist of Repayment Plan, Forbearance Plan, Modification of the loan, Short sale, and or Deed in Lieu of Foreclosure. The file is review for all available options. FROM ME : Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX Here is a full month of my husband 's most recent pay stubs. Please confirm that these are sufficient. Thanks! FROM PNC : Sent : XX/XX/XXXX XXXXXXXX XXXX We are in receipt of your email and attachments. The attachments have been uploaded to the account. Please allow 1-5 business days to complete the review of the most recently submitted documents to determine if anything additional is needed. We do recommend periodically calling to check the status of your account and ensure all documents submitted have been accepted, and nothing further is needed. The correspondence above confirms that I addressed the only deficiency in my file made known to me by PNC. Yet, PNC closed my Loss Mitigation file claiming an incomplete application. I submitted documents and PNC asked that I allow Loss Mitigation 1-5 business days from XX/XX/XXXX to " complete the review of the most recently submitted documents to determine if anything additional is needed. '' PNC recommended that I then " periodically call to check the status. '' When was that supposed to occur? Five business days ended on XX/XX/XXXX, PNC did not notify me of any missing items and then kicked me out the next day, but only after learning that my HAF application had progressed. Whatever happened to the POC assigned to me, and what did she do to assist? I should not be deprived of LM options because PNC ' s own employees failed to review or process my file and provide adequate follow-up, or because PNC finds it more beneficial to try and foreclose on my home, rather than offer me options. Please help. I want to keep my home. Thanks you for checking into this matter. | ||||||
| 11/12/2021 | Yes |
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| As most people are aware, BBVA transitioned to PNC in the first week of XXXX, to disastrous results. They took five days to transition, during which time it was impossible to do online banking. We were attempting to make a deposit at that time but it was denied by XXXX, and so I contacted my teller on the XXXX of XXXX to find out what to do, as I have a personal relationship with her. ( I am overseas and can not afford to make international phone calls ; this is all by email. ) She never responded. On the XXXX of XXXX I attempted to reach her to get my account number, because my XXXX automatic payment was happening on the XXXX. Without the account number I can do nothing with the account. I never heard back from her. My mother is also on the account ; I'm told that she's taken an extended leave of absence because this horrible transition has become too much for her. I'm told that the local branch in XXXX has two new people working there and lines are out the door. I read online that many customers are very dissatisfied with this new bank. On the XXXX I mentioned my disgruntlement with PNC in a public XXXX. They replied asking me respond via private message. I told them I need my account number. The account numbers are available on bank statements, but I have received no bank statement yet. They told me on the XXXX to get a mobile app. I told them I wanted to do it on my PC, as I have no room on my old mobile phone. They told me on the XXXX how to do get my account number. In the meantime since the XXXX I have been trying to reach XXXX to halt the payments. They don't respond through their automatic process until a few days ago, and they have now halted payments- but not before it went through to my account, eating up the {$75.00} we had in the account and putting me {$230.00} in arrears. Back to PNC - I attempted to get the account number on the XXXX - when nothing was yet showing up on my account and there was still time. But you need an American phone number, which I do not have. On the XXXX they told me that this could be handled with an Escalation Rep, and they asked for more information, and informed the ER. At this point the deposit we were going to make we just used XXXX for because we had no idea when the account number would become available. On the XXXX XXXX thanked me for making a payment. This was odd because nothing was showing up in my bank account yet, which is a financial violation in itself. Nothing would show up for days. Also, I had read online that I needed to inform XXXX of my new bank account so that they could start the withdrawal there. I was never informed at any point before this that they did not need the new account number and it would be automatically transferred over- not until the XXXX of XXXX. ( Note that at this point I still don't have access to my account so can make no deposits. ) This is odd because this all began when the XXXX did *not* transfer on the XXXX, despite there supposedly being no problem with accounts rolling over. XXXX the XXXX they told me pending transactions do not post to an account for 3-5 days. Unlike with XXXX, at this point, a full three days later, THERE STILL ARE NO PENDING TRANSACTIONS LISTED. On the XXXX I began receiving overdraft notices from PNC. This is my first indication from PNC that there is a deduction that took place on the XXXX - pending or otherwise. I inform me that the next major influx of money into my account, the last, had to be moved to another bank account, the deposit from my employer, because he had been asking for a week for the account number and I couldn't wait any longer. I inform them that I can not now find a new way to get funds into that account ; I can't ask my new employer to switch banks. I inform them on the XXXX that I want them to waive overdraft fees as this is 100 % their fault. On the XXXX they do so. I ask them to stop sending overdraft notices. They tell me to download an app to do so. On the XXXX the Escalation Specialist, one XXXX XXXX, finally contacts me. She tells me that there she she tried to call me but could not get through. There is no record of a call on my phone. The ringer and phone are in working order. I have received other local calls and two weeks earlier received a call from the States from another company who was checking on me. My phone is working fine. She asks me to call her. I tell her that I can not afford to do so, and ask her to try again. She does not reply. Ever. I have sent her messages on the XXXX, the XXXX of XXXX, and today, the XXXX. She has never once replied. I have asked repeatedly at the PNC XXXX account why she never sends a message. They never tell me why or respond on this issue. On the XXXX of XXXX they tell me ( not the ES ) that she has repeatedly called me and been unable to reach me. I inform them that not only does she not reply to my emails, but my phone is working and the ringer is working and I am receiving other calls no problem. On the XXXX I invite them to let the ES know that she can reach me at XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX XXXX. They do not respond to this. On the XXXX they tell me she calls and it rings once and that there is no voice mail. She does not tell me that ; the XXXX account does. I tell them that if she would just reply to my emails we could work things out quicker, and my phone is not set to XXXX Not XXXX, which would be expected if someone were actually calling me and it was ringing only once. On the XXXX of XXXX I get an email that I can now access my statement. This would mean I could finally get my account number, and could put money in, if I still had money to do so, which I do not. But of course, their website is down due to " maintenance ''. Today, the XXXX, they start sending harassing snailmail messages to my mother, who is also listed on the account. She is on a fixed income, and has to travel down to the bank from her mountain house to try to fix things. On the XXXX of XXXX I get my account number and inform the Escalation Specialist who never responds that I want my {$75.00} back, the payment to XXXX reversed, and my account closed. I inform the PNC XXXX account of this as well. Had I had this a month ago when I should have there would have been no problem and I wouldn't be overdrawn and could use that {$75.00} for being able to live ; I could just deal with XXXX on my own. Please note that all times are XXXX ( XXXX XXXX XXXX ) so may be off by one day as compared to the bank 's notes. Emails and XXXX Screenshots are available upon request, but I don't think they should be needed. I have no other supporting documents. | ||||||
| 10/28/2020 | Yes |
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| On XX/XX/2020, I went into the PNC Branch at XXXX XXXX XXXX. XXXX XXXX, the loan officer helped me apply for an auto loan. The loan was approved and I purchased the vehicle by using PNC bank for an auto loan. I picked up the vehicle in XXXX Virginia from XXXX XXXX XXXX on Monday, XX/XX/XXXX. I was issued 30 day temp plates. XXXX XXXX XXXX mailed the title to XXXX XXXX XXXX XXXX, Ohio, XXXX. XXXX, the auto representative at XXXX XXXX XXXX had been in contact with XXXX from PNC. XXXX e-mailed XXXX XXXX. The title was sent from XXXX, Virginia to a PNC Bank location by XXXX Overnight on XX/XX/XXXX at XXXX XXXX. It was delivered and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX and was shipped by XXXX from XXXX XXXX XXXX. The tracking number is XXXX. There is clear proof that the package was signed for and delivered. There is a signature imaged attached in the files regarding this complaint. It is clear that XXXX XXXX lacked proper training and was negligent. He admitted that PNC received the title. On XX/XX/XXXX, XXXX XXXX stated Im sorry youre having that issue. I wasnt aware they had different qualifications for out of state vehicles. He also stated on XX/XX/XXXX at XXXX XXXX Thank you! Looks like it was delivered to PNC a few weeks ago so I will deal with that department. XXXX XXXX also told me that the car could be registered and plated without a title, which is illegal. He gave me illegal guidance and lied about speaking with a representative from the secretary of state and a currency exchange. I called both the secretary of state and a currency exchange and they both told me they can not register a vehicle or issue license plates without a title. PNC has the title, as it was sent by XXXX XXXX XXXX. On XX/XX/XXXX at XXXX am, XXXX stated When I called and spoke with a woman at the XXXX XXXX by you a few months ago, I explained the situation and she said she would attempt to put the registration through if you came in with the bill of sale and closing docs. I believe it was the location on XXXX XXXX XXXX and is open XXXX. There is also a location on XXXX XXXX XXXX that opens at XXXX. On XX/XX/XXXX at XXXX XXXX, XXXX stated According to the point of contact I spoke with at the XXXX XXXX, she said that particular location could assist you in registering your vehicle with the bill of sale and loan agreement. Based on my research and discussion with my manager, I believe the issue you are having is proving ownership of the vehicle. You will want to state PNC is the current lien holder of the vehicle. This information is false because no location can process registering a vehicle without a title. XXXX lacks proper training and was negligent to give me the correct information in assisting me with registering my vehicle. It is clear that the title was delivered, sign for, and then misplaced. I am now stuck paying {$1500.00} per month to have a vehicle that is not even drivable, registered, plated, and has no title located. XXXX requested that XXXX XXXX XXXX file for a duplicate title, blaming the situation on them. XXXX XXXX, branch manager at PNC at XXXX XXXX XXXX stated on XX/XX/XXXX At this time PNC has not been added to the title as a lienholder, only the previous owner is currently on the title. It is unfortunately difficult to estimate the timeframe because it really has to do with the dealerships success with getting things resolved with the previous owner which can take time from a logistics standpoint. We will have to circle back with XXXX and their title clerk what the next steps would be once they are able to have title released from the previous owner. It will get very easy process wise once the title is released from the previous owner though. I am so very deeply sorry about this situation. Yes so we can access information about the title online which is how we were able to ascertain that information. So that is the primary issue, because the title is currently in a different persons name, the current title as is, is unusable by anyone except the previous owner, and as such neither of us can actually do anything on the title except the previous owner. So from what I can understand the key is to have the previous owner involved to properly release the title. What XXXX is working on is getting the previous owner to grant a power of attorney so that XXXX can have permission to make changes on the title on the previous owners behalf. The issue is that XXXX bought the vehicle from another dealership who bought the vehicle from the previous owner. So it is a lot of moving parts. Once again I am so sorry about this andXXXXand myself are exhausting all our available options on our end to assist in any way we can. It is clear that XXXX XXXX and XXXX XXXX know exactly what is going on and are denying the fact that the title was delivered. XXXX XXXX stated above that he can access information about the title online and stated that it was in a different persons name. The title can not be accessed online and show a different persons name. The title can not be in my name until the loan is paid off anyway. Things are not adding up and XXXX is not making any sense. XXXX XXXX XXXX properly sent the title to the address given by XXXX XXXX. PNC, upon receiving the title, is supposed to take care of switching the title name and sending it to the secretary of state so I can get it processed. Since PNC lost the title and are the lienholder on the the vehicle, and own the vehicle until the loan is paid off, they should be held responsible for these loan, insurance, and parking payments. They did not fulfill their promises or hold up their end of the bargain. I trusted PNC by obtaining a loan for them, and in return needed them to overnight the title to the secretary of state. I gave them a piece of paper to fill out to overnight it, but they cant locate the title. This is completely a bank error and negligent on their part. They should be held responsible for the payments due to negligence. I am still unable to drive my vehicle and I am at a loss of {$4700.00} and counting. Each month that goes by without a title is an additional {$1500.00} down the drain, and loss of wages from not being able to drive my vehicle. I am a XXXX XXXX XXXX and need my vehicle to drive to and from showings. I had to take a leave from work as I do not have a drivable vehicle. PNC is at fault for this and has caused me an extreme amount of financial loss in the form of lost wages. I expect to be compensated for my time and money due to the error that PNC has made. This has been going on since XX/XX/XXXX and it is now XX/XX/XXXX. | ||||||
| 09/04/2019 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, Treasurer XXXX ( H ) XXXX ( O ) XX/XX/2019, I received the first of several emails from someone fraudulently posing as President of our club, XXXX XXXX. XX/XX/2019 Received another fraudulent email from the person posing as club President, XXXX XXXX, requesting I mail a check ( # XXXX ) made payable to XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Washington, DC, XXXX in the amount of {$750.00}. XX/XX/2019 mailed check # XXXX for {$750.00} to the person and at the address stated in the XX/XX/XXXX email. XX/XX/2019, Saturday, As soon as I spoke to XXXX XXXX, the real President of our club, I found out he was not the one that was recently emailing me. I immediately called the main number at PNC Bank to stop payment on the check but was told the check was cashed the day before on Friday. I asked how could they cash it, doesn't it have to be cleared. They said it was cashed at a local PNC branch. I told them to freeze our bank account. The bank said to wait a couple of days and then contact my local PNC Bank branch. XX/XX/2019 Tuesday, I called the local PNC Bank branch and told them a Fraud was committed and wanted them to open up a fraudulent case. I spoke with XXXX, the local PNC Bank branch rep, and told her I had requested this past Saturday that our account be frozen and that I would open up a new account but wanted her to start a fraud investigation. XXXX said our account was not frozen but only a note was put on it that I called. I immediately told her to freeze our account and scheduled an appointment for Friday, XX/XX/XXXX. She said only the local branch can freeze an account and I should not have been told that it was frozen but it was now frozen but for some unknown reason it would not be closed out. XX/XX/2019, I received another email from the person who was posing as the President of our club, XXXX XXXX, and without opening the email I could see on the subject line that they were requesting another payment by check. It was then that I contacted the local XXXX police department in the town where my business office is located and the place where the fraud was committed. Patrolman ( PTL ) XXXX, Badge # XXXX responded. I gave him copies of the email correspondence between me and the person posing as the president of our club. With PTL XXXX present, I opened the next email from the fraudster and it was requesting an additional {$5500.00} be mailed to same person and same address. PTL XXXX said to see if we can stall them by saying that I was on vacation and would not be back until the following Monday. PTL XXXX asked me to contact PNC Bank to request a copy of the cancelled check. Both PTL XXXX and I spoke to XXXX and requested that she email me a copy of the canceled check. She said she couldnt because it had bank account information on it but then PTL XXXX reminded her by saying what does it matter since the account is now frozen. XXXX then agreed to email the check. PTL XXXX then opened up case number XXXX, said he will turn this case over to the XXXX detectives and left my office. Later that afternoon, XXXX emailed a copy of the canceled check and it was then that it was discovered that our check was not cashed but was " For Deposit Only XXXX '' - XXXX XXXX XXXX XXXX. Apparently it was not cashed at a PNC branch bank as I was initially told. I emailed a copy of the canceled check to PTL XXXX. Later that evening PTL XXXX called me at home and said he discovered that the payee of the check, XXXX XXXX, was listed as one of four residents at the address where the check was mailed. We now had the bank account that the check was deposited along with the persons name and address. I XXXX the address the check was mailed to and called a local XXXX bank branch located within 10 minutes of the address trying to get them to put a hold on the account but they refused. XX/XX/XXXX, I met with XXXX at the XXXX XXXX PNC Bank, closed our account, opened a new account, gave her copies of the fraud email correspondence, the police report case number and asked her to file a fraud complaint in the hopes of getting our money back. I received another fraudulent email and forwarded the email to PTL XXXX and that I had filed a fraud complaint with PNC bank. Also stated that I have not heard from anyone at the XXXX Police Dept. He could not answer for the detective bureau because he stated that they will respond based upon their workload and recommended that I not to entertain anymore emails. XX/XX/XXXX, Received another fraudulent email asking if I had returned. XX/XX/XXXX, I received two letters from PNC Bank, one dated XX/XX/2019 and the other XX/XX/2019 stating that our Service Request was denied. I called the number in the letter ( XXXX ) and spoke with a Mr. XXXX, I explained about the fraud and mailing out the check in error. He said a service request was filed not a fraud investigation. In disbelief I could not imagine how only a service request was filed as opposed to a fraud investigation. I explained the events to Mr. XXXX, asked if I could email him the correspondence I had received to date about the fraud and he said he did not have an email address and I could not sent it to him. I told him I gave XXXX at my local PNC branch copies of the emails and that I wanted to open a fraud investigation. He assured me he would start one. I called my local PNC Branch asking for XXXX to find out why only a service request was initiated but she was on vacation and would not be back until XX/XX/XXXX. I spoke to the branch manager, Mr. XXXX who researched the case and said a fraud investigation was ongoing and was assigned to a person named XXXX. He said if I didnt get a phone call this week, to call back on XX/XX/XXXX when XXXX returns and I can speak to both of them. XX/XX/XXXX, Received an email from a club member forwarding another fraudulent email from the Fraud XXXX XXXX requesting gift cards from our members. That club member was present on Saturday when we found out about the fraud so he forwarded the fraud email to all members telling them it was a scam. I forwarded that email to PTL XXXX. Received an email from the same Fraud XXXX XXXX requesting my assistance. Did not respond to it. XX/XX/XXXX, Received a letter from PNC Bank, dated XX/XX/2019, stating if I believed the check was fraudulently negotiated to please visit my local PNC Branch. This letter included a copy of the cashed check along with the routing number, posting sequence, and other bank information. XX/XX/XXXX, made an appointment at my local PNC Branch at XXXX. | ||||||
| 07/18/2022 | Yes |
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| Around XXXX on Saturday, XX/XX/XXXX, I went to open my XXXX XXXX XXXX app on my tv. It told me I needed to sign into the account. I didnt think much of it as I have had to log into my streaming tv apps many times. When the code wasnt received, a notification appeared on my phone that stated I needed to complete a 2-step verification and to call the number XXXX. When I called, a man with an XXXX accent answered and said his name was XXXX and said he was with XXXX. He stated that he needed to verify my account because my XXXX account had been compromised and that my banking institute was suspended. He then and had me download an app called, XXXX XXXX XXXX XXXX which allowed him access to my phone ( I didnt realize that at the time ). He then had me set up accounts with XXXX, XXXX, XXXX, XXXX and XXXX XXXX. When I asked him why this was necessary, he stated that he needed to do this because my banking institutions were suspended, and I needed to do this to complete the verification. When I was in each of these accounts, he would tell me to enter a verification code which ended up being a dollar amount. Then he would wait on his end until the verification code was accepted. He would walk me through every step of each process and sometimes he would fill in the information himself. I was on the phone with him for a total of XXXX hours. He was so quick in telling me what steps I needed to take. He sounded completely legit. There were other people in the background, so it did sound like a call center. When I started to get suspicious, I said to him I am not sending verification codes, I am sending cash to people at random email addresses. His response was that it wasnt random email addresses but account names to refund managers. He then said the money will go back to my XXXX account. I questioned why it wouldnt go back to my XXXX and PNC accounts and he told me that all of my financial institutions were linked to my XXXX XXXX Account. This has been a complete nightmare. He made XXXX transactions on my XXXX account ( {$290.00} and {$500.00} ) both of which are fraudulent and XXXX transaction on my PNC account ( {$990.00} ). I have had two accounts compromised, my XXXX Account and my PNC account. I have filed a police report with the XXXX XXXX Police Department. Police Report number XXXX. I have canceled both my XXXX account and my PNC account. I have preformed a factory reset on my phone and I have changed all my passwords and usernames on all of my accounts. When I realized that this was possibly fraudulent, I immediately contacted XXXX ( which wasnt easy finding a number ) and called them explaining the situation. I was told that XXXX would never do anything like that ( call a customer to verify their financial institution ) and that it was most likely fraudulent activity. I then contacted both financial institutions that were compromised and explained the situation. Both accounts were suspended for future activity. However, when I tried to stop the payment from PNC, in the amount of {$990.00}, I was told from PNC that the transaction was Pending and there was nothing that could be done until the payment posts. I am at a loss for words on that because a bank can stop a check from posting but they cant stop a transaction from processing. This could have been resolved right then. The following Monday ( XX/XX/XXXX ) I went to both financial institutions to close the accounts and reestablish new accounts. I was told by PNC ( XXXX XXXX, local representative at the Washington, Illinois branch, that the old account ( ending in XXXX ) had to remain open until this dispute was resolved. I provided the local representative the information on what happened, along with the police report number and a written letter documenting what happened. I never heard anymore from anyone at PNC regarding this matter. On Friday, XX/XX/XXXX, I received a letter from PNC stating that based upon our investigation, the transfer was valid and processed as instructed. As a result, your dispute is denied. I immediately emailed XXXX at the Washington, Illinois branch and explained the situation. She emailed me back with a phone number to call ( XXXX ) XXXX. On Tuesday, XX/XX/XXXX, I called that number ( XXXX ) XXXX. I spoke with XXXX at XXXX AM XXXX and explained the situation and he told me the reason the dispute was denied was because the XXXX address for which the transaction processed, came from my home. I stated that of course it would because it happened through my phone as I was trying to watch a movie. I asked him if he had any of the documentation that I sent to XXXX regarding this matter or was my account even documented that I tried to stop this from processing and that I talked to XXXX different people regarding this situation. He said he had no information regarding this situation. He then told me that there was nothing more he could do and that I needed to speak to XXXX at XXXX. I called that number and was on hold for one hour and XXXX minutes before XXXX answered. I explained the story to her and was told that she doesnt handle this, and I was misinformed on the number to call. She then transferred me to XXXX at XXXX where she reopened my case. Today ( XXXX ) I received a call from XXXX XXXX, Case Manager, Retail Support and I explained to her yet again what happened. She told me that because I agreed to only send money to people I knew, I most likely wouldnt get the money back. I argue this response because I was unaware of what was happening as the person had access to my phone and had completed some of this from his side. I was unaware of what the situation was until after the fact. I didnt even know what XXXX was until this dreadful day. I have done everything in my power to prevent this transaction from happening. Once it did post, I contacted PNC numerous times. I have been getting the runaround since day one. I dont understand how one financial institution can refund the money in 3 days and yet PNC has doubted my word that this fraud. I have lost XXXX work days trying to rectify this situation to no avail. Each time I call, or speak to someone, I must explain the story all over again. Its as if my account has no remarks of this situation. This money came from my joint account. Is it not insured? I dont understand why this is so difficult. She told me to contact yet another number XXXX and reference dispute # XXXX. I contacted that number at XXXX and left a detailed message on the voice mail. I am also sending this letter to XXXX in hopes that this dispute can be rectified. The original reference dispute # was XXXX. | ||||||
| 12/30/2022 | Yes |
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| I will try and explain this in the most comprehensible manner- it gets a little convoluted because of how PNC treated an unauthorized debit charge to my account on XX/XX/XXXX, XXXX first by paying it, and then treating the situations as if it were a credit card charge-back dispute ( I got my start XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I know charge-backs ), and thus inserting themselves in an argument they had no business getting involved in and because they had paid the charge to the merchant XXXX ( and never reversed it -even temporarily ) my numerous attempts at getting information for XXXX and working through the problem - was a nonstarter cause they had been paid- ultimately resulted in PNC reversing the temporary credit and hitting my checking account with this unauthorized disputed charge RECENTLY and here is the kicker, I had two bills for two credit cards to be paid that were scheduled to be paid but PNC reversed the XXXX ( bouncing them ) in order to apply those monies to the XXXX debit reversal which was huge- originally back on XX/XX/XXXX when I had about XXXX XXXX in my checking account- {$2300.00} and then on XX/XX/XXXX when I had the money to pay {$78.00} XXXX XXXX XXXX and {$62.00} to XXXX leaving me a XXXX {$1.00}, they unpaid those to and bounced the payment and and added back the {$78.00} and {$62.00} to the {$1.00} and then put the {$2300.00} putting my checking account to a negative {$2100.00} ( they also charged me to bounce fees for the {$78.00} and {$62.00} at {$36.00} a piece but since then removed them ) So I had to pay both those charges again plus the cc bounced check fees from a different bank checking account and my PNC checking balance sits at this - {$2100.00} since. And I swear if they close this and report me to the XXXX XXXX I will sue them. So here is how it happened, for XXXX years I had been renting a car through XXXX with XXXX. I was deactivated after 7 years and with a XXXX rating abruptly and without cause or my understanding - that happened on XX/XX/2022. I went to return the vehicle but owed for the week {$330.00} which I did not have - AND BELIEVE ME IF I KNEW PNC WOULD ALLOW A DEBIT THAT LARGE against my checking account balance I would have settled up- Because I had a relationship with the people at this XXXX ( after XXXX years ) and because I didn't think I had the ability to overdraw my PNC XXXX account on a debit charge ( at all ever- it NEVER was allowed by PNC XXXX XXXX attempted to charge XXXX XXXX more than was in my checking account IT ALWAYS was denied. Anyway the guy there knew I was upset with XXXX and appealing and he told me to take car home and ... .. hopefully I was back XXXX,. that didn't happen and I suffer from XXXX XXXX ( enough to be awarded XXXX for XXXX and a host of other -- in my past ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I couldn't get the car back to XXXX until XXXX XXXX when the XXXX was closed but had left in the return parking space keys under mat and a note explaining that I lost the appeal - still didn't have the XXXX to pay bill but would contact XXXX and make payment arrangement. I owed now XXXX weeks at {$330.00} so {$1000.00}. And I might add after XXXX years nonstop renting from XXXX with not even a free bonus day ever thrown in, I was 100 % okay with having to make an arrangement-plus I had no choice no money. XXXX XXXX had sent a return the car letter during this time with a number that you could NEVER EVER get though- you couldn't; leave a message and after waiting on hold for so long they would disconnect the call. So I couldn't call to say what the delay had been NOR when I dropped off car I tried all day Monday to let the national XXXX know- I knew XXXX the local would seat and find my note and key inside ( which they did ) BTW I took a picture with the date stamped of car in return space. So I was absolutely flabbergasted when PNC accepted and put through a debit charge from XXXX for XXXX XXXX throwing my checking account into a negative status and causing the problem that I still face. A. no matter what this amount far exceed what I knew was owed and regardless did not have the funds to pay. How PNC would accept such a huge charge and pay it when I had only {$18.00} in my checking account is mind blowing. When I protested and started right off with the premise that this never should have been a debit charge accepted by them. XXXX I knew I owed around {$1000.00} which only XXXX days early had I returned car and was waiting to hear from XXXX to make payment arrangement. I still have no idea how they came to the amount- and as I said my XXXX attempts contacting XXXX XXXX got me nowhere because they had been paid by PNC XXXX they had no incentive or desire to help me. So even though I still have the position that PNC never ever should have accepted this debit amount and that there was no justification to pay {$2300.00} when my daily balance never exceeded XXXX XXXX YEAR, I let them treat this like a charge back and my reason code was UNAUTHORIZED charge. We canceled my debit card number AND I learned I did have a overdraft allowance on my debit card that I never was aware of ( and it was {$100.00} ) I made sure that I did not have any overdraft on my debit- ALL my life if I don't have the funds available in my checking account - any charge to my account that exceeds my checking account balance is REJECTED. Now before PNC decided that this was a legitimate charge ( how? based on what? ) and to reverse the credit ( to my checking account ) on XX/XX/2022, PNC accepted a debit charge from XXXX for {$88.00} and took the $ out of my checking account - throwing it into a smaller negative balance. I called them up and asked how did this happen? I had no idea what an {$88.00} XXXX charge was for - the car had been retuned in XXXX - furthermore I had canceled the debit card that the charge was put through PLUS I didn't have {$88.00} in my checking account- so this is being disputed too. NO other institution or myself attempting to use my debit card when I don't have the funds in checking EVER gets through but XXXX I suspect they use PNC bank and are a huge client. I want out of XXXX I the XXXX charges reversed so I can close this account but they won't let me. I know I will XXXX again and that I have to resolve this with XXXX so I can use them again. But I can't get XXXX the line to talk to me because PNC paid them and double what I owed. Now I can attach all my letters to PNC and XXXX if you allow. Thanks, XXXX XXXX | ||||||
| 03/08/2021 | Yes |
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| PNC Bank - False Advertising Deceptive Marketing Practices Website promotes : Overdraft Solutions : PNC Overdraft Solutions can help you stay up to date on all your accounts and can provide peace of mind. Get started exploring and setting up account alerts and Overdraft Coverage Alerts : The alerts page clearly suggests using alerts can prevent things from taking place BEFORE they take place, not after. The entire page markets that message. Under frequently asked questions it gives the customer a understanding that using alerts, among other things will save you unwanted fees. The question. What Online Banking Alerts are available and what do they tell me? Overdraft : States you will be notified when your account is overdrawn. NOTE : Does not state, you will be notified AFTER your account is over drawn with is the current practice. PCN Branch told me last summer when I became a client that if I was overdrawn on any given day, as long as I made a deposit by end of business day, I would not pay any fees. Problem : Alerts - Email XX/XX/XXXX XXXX a.m. Balance = XXXX Alerts - Email XX/XX/XXXX XXXX XXXX. telling me my account was overdrawn on XXXX and I should quick - make a deposit. Alerts - Email - XX/XX/XXXX XXXX XXXX As of XXXX XXXX. XXXX on XX/XX/XXXX my account balance was XXXX Alerts - Text Message XXXX XXXX. XX/XX/XXXX - Your account was overdrawn on XX/XX/XXXX and PNC Paid 1 transaction for you. On XX/XX/XXXX, I contacted my local branch perturbed over what had transpired the night before and asking WHAT was the point of having this alert system if it altered you AFTER THE FACT? Branch said knew nothing about online banking, which was the overseer of these transactions and I had to contact them. This is not the first time I received an answer like that which makes me think there are TWO PNC banks, not 1. I contacted Online banking who informed me I only had Average Daily Balance checked and nothing else therefore I would not be notified of any overdrafts or insufficient fees. When I asked for the fees to be credited back, I was told Im sorry you are not eligible for that. PROBLEM - I was NEVER notified on XX/XX/XXXX at any time that my account was in the negative. Why does that matter in this instance? Because as soon as I got off the phone with Online banking on XXXX I went into my account and checked every alert I could and chose for it to come text and email. Overdraft, Insufficient Funds, Service Alerts, - anything I could! Nothing changed! Nothing! The next overdraft on XX/XX/XXXX provided the same two text messages I received on XXXX and XXXX. On XX/XX/XXXX - After EVERY alert possible was checked, I once again fell victim to the same false information I had been previously given. I received the SAME TWO text messages as I did on XXXX and XXXX. Alert XX/XX/XXXX Text Message received at XXXX XXXX. but generated as of XXXX XXXX ET - Balance = XXXX Alert XX/XX/XXXX Test Message received at XXXX XXXX but generated as of XXXX XXXX ET my balance was XXXX. I was NOT informed in a timely manner my account was overdrawn so I could have the opportunity to come in and make a deposit that same day! I should add here, the night deposit box at the branch I frequent has a note posted to it Deposits after XXXX XXXX. will be processed the NEXT day - SERIOUSLY? Had I been awake and ready to go at XXXX XXXX. where I could JUMP in my car and race to make a deposit within 59 minutes, I may have been able to - MAY have been able to avoid fees. PNC bank sends its customers an available balance BEFORE they process debits. You are positive one minutes, overdrawn 25 minutes later, overdraft fee added minutes after that if not already. Their alert system is bogus and useless, it does nothing but inform the customer AFTER the fact and AFTER the fact the NEXT day so it is then too late for the customer to take advantage of the banks offer to come in and make a deposit before close of business day on the day the overdraft occurred. Its a COMPLETE scam! Misleading, gives customers a false sense of security. They make a ton of money by doing this practice. At no time was I every notified in such a manner as was suggested by their website, so I could avoid any returned items or overdraft fees. I am enclosing photos to support my points. I am even enclosing all the gibberish they put in the news and newspaper about helping people during COVID 19, one way being the return of OVERDRAFT Fees! XXXX! I havent had a bank account in over 10 years and it hasnt taken a New York minute for PNC to remind me why I dont keep bank accounts. I am on Social Security and am involved here only for the sake of settling my late mothers estate. Rest assured, once completed, I will NOT be staying on as a customer. This bank needs to cease and desist this practice, otherwise, run the alert system as they advertise! Alert customers PRIOR to things going a-wall so they have an opportunity to take advantage of the banks offer to XXXX balance by days end. There is NO reason what-so-ever for me or anyone else to have the alert system in its current state because if benefits only the bank. The woman I spoke with on XXXX who refused to qualify me for a fee refund made it very clear that had I had overdraft and insufficient fund alerts checked, I would have been otherwise notified and would have been able to avoid the problem in the first place. Adding every alert offered me CHANGED NOTHING. I want a full refund of all fees I have incurred from this misleading offer and deceiving practice. I want the FDIC and the Consumer Financial Protection Agency to take a very close look at PNCs marketing practice with their Alert System and what really happens when a consumer signs up for it. The manager I spoke with at my bank on XX/XX/XXXX referred to the Alert System as A second line of defense for the consumer. WRONG - its a trap to give a sense of false security to the consumer while PNC rakes in XXXX each and every time. Its an unfair, deceptive practice and needs to be stopped. The branch manager claimed he could do nothing because he knew nothing about Online Banking and their practices. I asked him to do something about it and he offered to escalate the matter to someone higher up. They have tried to reach me but we have yet to connect. However, I made it clear to them also that this matter needed to be reported because it is not right. | ||||||
| 05/27/2021 | Yes |
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Web | Older American |
| On Monday, XX/XX/XXXX I called my folks house to see how my dad was feeling. When he answered the phone he told me that my nephew was in XXXX. I then went to my folks house to find out what happened. My dad gave me a sheet with information he took down from the phone call he had received earlier that day. The information is as follows : XXXX XXXX XXXX case # XXXX I called the number and spoke with XXXX XXXX. He answered the phone and identified himself as an attorney and proceeded to tell me that my nephew had been in an accident and that he was XXXX for XXXX XXXX XXXX XXXX He reported that XXXX said the young woman had run a red light and that he was gathering evidence to get the whole thing dismissed. I asked him about cameras at the intersection and he said he was gathering the information. He said that he had the bail reduced from XXXX to XXXX. If I could send {$2800.00} cash to him he could get XXXX out of XXXX. He said the young woman was pregnant and in the hospital and that is why they had to send XXXX to XXXX. He told me to call him when I got the money and he would then give me further instructions. I went to my bank, XXXX XXXX XXXX and withdrew & XXXX. I called XXXX and he instructed me to go to PNC bank at XXXX XXXX and he would give me further instructions. I arrived at the bank and called XXXX and he started giving me instructions. He reported that when the transaction was complete I would get a confirmation number and he would then give that to the court and we could pick XXXX up at the XXXX XXXX Courthouse. I put in a code that he gave me, XXXX XXXX and a pin # XXXX and I entered both of those numbers. The machine switched languages at some point to XXXX which I had not authorized. As I was talking to XXXX XXXX told him I pushed continuar and he was verbally agitated. After I pressed continuar the machine completely went back to home screen and said insert card to start. At this point XXXX was further agitated and asked what the screen said and I told him. I started to get very upset at this point and said where did the money go what happened? XXXX told me to calm down that he would find out if the money had actually gone through. I was very upset at this point and he offered to stay on the phone with me until he found out or he would call me back in about fifteen minutes. The bank employee, XXXX XXXX could see we were struggling with the instructions XXXX was giving us and came over to help. He actually helped us get the cash in the appropriate place and in the machine. He had no idea what was going on but he did witness me putting the money in the machine and it going back to home screen and said that he could get us a receipt for the transaction. When I told XXXX what the number was that XXXX had given me he told me that was a code that customers use to bypass having to insert their card. He also said that customers can request receipts sent directly to their email accounts and therefore we would not get a receipt at the machine. This is the first time that I even considered it was a scam. At this point XXXX said there was nothing he could do. I called the number back that XXXX gave me and he answered the phone. I was acting from emotion, not logic and I said some not very nice things to XXXX and hung up. I believe there is a possibility that the transaction did not go through. I asked XXXX who does the accounting/reconciliation of the machine where I had deposited the money. He said that he couldnt check on it and that an outside agency did the accounting on the machine. I called to make a police report while I was there but the bank was closing and I went in to XXXX XXXX XXXX and made a report. The case number is XXXX and the number to check on status of investigation is XXXX. I told XXXX I would call first thing in the morning to talk to his bank manager, XXXX XXXX. XXXX was making a report as well about the incident. Tuesday morning, XX/XX/XXXX I called PNC bank and spoke with XXXX. The PNC bank has taped all of the conversations that we have had. I was told that the investigation was complete and that the money was gone. I asked how they reconciled the money in the atm and I was told that it was an outside service that took care of that atm. I told XXXX XXXX that I thought the transaction did not complete but he said the money was gone. I also asked about the investigation and what they investigated and he couldnt tell me. On Wednesday XX/XX/XXXX I spoke with Detective XXXX of the XXXX MO Police Department. He said they were working on cases from XXXX of 2019. He said that the Federal Reserve Bank is one of the entities that we needed to call. Also banks are regulated by the state. The state supervises banks. Also need to talk to the Attorney Generals Office. He transferred me to XXXX XXXX who said that a bank has the abiity to stop the transfer for 72 hours. I called XXXX XXXX back and told him what the sergeant said. XXXX reported that they could not do that because I was not a customer of the bank and that they did not have this policy. I asked him about his transfer redaction policy and he said they did not have this policy. All I want from the bank is the reconciliation of the atm transaction made to see if indeed the cash went to the account of the scammers. Also, are they investigating where the money went as the account it went to basically stole the money from me and if the money did not get to the scammers then the bank stole the money from me. I asked XXXX why the investigation was closed and what they did. He couldnt tell me. He told me that the complaint id # was XXXX. He said it was assigned to a team of individuals. I made a time to come in and talk to him. XXXX called to say that the complaint had been escalated to the highest level and someone would be calling me. XXXX XXXX called on XX/XX/XXXX and said she was the retail support case manager and her number is XXXX. I told her my story and she said she could not helpme. I told her that XXXX XXXX said this had been escalated to the highest level and she said she was sorry that he was mistaken. She said she would file an incident report and send to another department. The security incident report department. She will have them follow up with me. She gave me a case # for report filed XXXX. It is XX/XX/XXXX and I havent heard anything from the bank!! | ||||||
| 12/07/2020 | Yes |
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| PNC closed my account 3 months ago without looking into the issue at hand marking their reason as, " too many returned payments '' ... Yeah, too many returned payments caused by a bank error -- Their error!! It wasn't until I tried to make a payment with them ( my only credit card ) where the payment was declined that I found this out. Then I called and told them I had nothing to do with the returned payments, and XXXX XXXX confirmed with me that it was PNC 's error because the agents we made the payments with over the phone were putting in the wrong error code. They were putting in the system that the payment was from a savings account, not a checking account. It wasn't until I told them this that they decided to look into it. After two months of them lagging around with the investigation while I still couldn't use my card, they discovered that it was in fact their error, each and every time ... They could and should have done this before closing my account. PNC 's negligence cost me and my fiance lots of hardship, including financially -- Hours and hours of time over the phone, ongoing aggravation for 3 months, the inconvenience of not being able to use a credit card for 3 months ( also to date ), not being able to pay off bills, and my credit being affected. PNC has monitored and recorded on XX/XX/XXXX, Ms. XXXX XXXX from the Escalations department, telling my fiance, who's authorized on my account, that it would take about 7 days from that day for the account to be re-opened. That was 26 days ago and the account STILL has not been re-opened!! Now she's telling us she needs to mail out paperwork to me before the account gets re-opened. Did she have that done on XX/XX/XXXX after she took payment from my fiance?? NO ... It is also monitored and recorded that we spoke to someone who works with Ms. XXXX on XX/XX/XXXX, who confirmed that she didn't even send out a request for the account to be re-opened until two days prior, which was the XXXX ... So what happened to the request on the XXXX?? So nearly two weeks went by where nothing was done! Clearly she dropped the ball at least a couple times that we know about. She blamed others being out for the last 3 weeks. Of course! It's never anything but pass the buck pass the buck with PNC. She's been in the office this entire time. If what she said was true, why couldn't she have simply picked up the phone to let us know what was going on?? Never returned a single voice message, and we left quite a few. Her partner even told her 9 days ago to please call us immediately and she never did. It was never an issue picking up the phone when PNC wanted their payment though, that's for sure ... Every day that goes by is another precious day where I can't pay my bills, use a credit card, and have bad credit. All that my fiance and I have requested up until this point was for PNC to just wipe off the measly XXXX maybe XXXX XXXX dollars worth of late fees and interest charges that weren't associated with this whole rigmarole. But that wasn't good enough. Somehow they do not feel the need to make good even somewhat on what they've put us through over the last three months.And it's not even over yet. More of Ms. XXXX not returning my calls and dropping the ball, we're looking at another possible month or two of my account not being reinstated. Already again she's not responding to my fiance confirming the address both through voice message and email ( TWICE ) since Ms. XXXX called and left a message last Wednesday requesting confirmation of my address before she mails out paperwork that now all of a sudden is needed in order to re-open my account ... We understand people make mistakes. That is understandable and acceptable. What isn't, is not communicating with your customers and investigating an issue before just going and closing their account, and then dropping the ball left and right making the situation even more drawn-out than it has to be. That is completely un-called for and unjust. And PNC needs to pay for what they did, and are still doing ( Hence why after 2 months my account is still closed ) -- for something that was at no fault of my own!! Based on previous complaints with the CFPB that have been filed in the past by my fiance, I know that your agency doesn't take the action they need to against financial institutions even after they've clearly violated consumer protection laws, and your agency is just about as useless as the XXXX ... Worthless and hardly worth even a XXXX that is taken out of my tax money just to keep you in business. It's a joke. Which is why I am filing a lawsuit against PNC. I only filed this complaint to have what PNC did on record with what appears to be the only government agency regarding complaints about financial institutions.. and just in case one day you start doing your job and actually do something to help resolve an issue where clearly the business wronged the consumer ... Fat chance I know Additionally, I have not been able to access the account online in months. An agent told me she could not give me access over the phone and had to mail something out. Of course I never got it, and I brought this up to Ms. XXXX several times and she never took any steps to help me regain access ... Will need access so I can see all my transaction history to ensure that the fees and interest charges Ms. XXXX actually did agree to take care of were accounted for and refunded. As far as the other very minor amount of fees and interest charges that happened over this past year that were not related to the incident but she refused to credit my account for after everything her and her colleagues have put us through over the past 3 months ( a whole measly {$200.00} maybe {$300.00} worth ), I will no longer be requesting to be credited for those, and I will be suing PNC for the amount we really feel we're owed -- {$1000.00} ... This is to compensate for hours and hours of time over the phone, ongoing aggravation for 3 months to date, the inconvenience of not being able to use a credit card for 3 months ( also to date ), not being able to pay off bills, and my credit being affected ... All of which could have been avoided if PNC conducted their investigation prior to making the very hasty and inequitable decision to close his account. And then take over 3 months to re-open it. | ||||||
| 07/31/2021 | Yes |
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| I had signed up for BBVAs checking account under the Winter Blitz 2021 offer where a direct deposit of more than {$500.00} would qualify for a {$200.00} promotional credit. The offer code that was used was WB2021 ( later verified by a BBVA rep ). The requirements in detail were as followed : " You could get a {$200.00} bonus by opening a new qualifying checking account. Open between XX/XX/XXXX and receive a qualifying Direct Deposit of {$500.00} or more by XX/XX/XXXX. * '' Further, I met this requirement numerous occasions. XX/XX/XXXX - DIRECT DEPOSIT OF XXXX XX/XX/XXXX - DIRECT DEPOSIT OF XXXX XX/XX/XXXX - DIRECT DEPOSIT OF XXXX XX/XX/XXXX - DIRECT DEPOSIT OF XXXX I had first reached out on XX/XX/XXXX after reading reports of other individuals receiving their promotional credit relatively quickly. ME XX/XX/XXXX : Memo : Hi, I signed up my checking account with a bonus reward coupon for a {$200.00} statement credit. What are the requirements for receiving this bonus? Thanks for any and all information! BBVA XXXX XX/XX/XXXX : Thank you for contacting BBVA. We have received your inquiry regarding a promotional credit you may be receiving. To better assist you, and escalate your concern, we kindly ask that you respond to this message with the following : The name of the promotion you are referring to, if known The promotional code, if known How you heard of this promotion ( in branch, online, over the phone, etc. ) Any conditions of the promotion that you are aware of The best phone number to reach you at, and the time of day you can be reached. Additionally, if you have any images or flyers of this promotion, please add them as an attachment in your response. Once received, we can submit this information for review, and one of our escalation specialists will contact you regarding the status of the promotional credit. If you have further questions, please do not hesitate to respond to this message. For immediate assistance, you may contact the Customer Service Department at ( XXXX ) XXXX Monday-Friday from XXXX XXXX. to XXXX XXXX. CST or Saturday from XXXX XXXX. to XXXX XXXX CST. Our specialized agents will be more than happy to assist you. You can learn more about the personal information we collect, including how we may use such information, by clicking " Privacy '' at bbvausa.com. Sincerely, XXXX BBVA Customer Service Member FDIC Equal Housing Lender ME XX/XX/XXXX : Memo : Hey XXXX, it was the Winter Blitz promotion with code WBOL2021 The requirements were : " {$200.00} Bonus by opening a new qualifying checking account between XX/XX/XXXX and receive at least one ( 1 ) qualifying Direct Deposit of at least {$500.00} by XX/XX/XXXX. I heard about this online and since there are many BBVA branches in XXXX, AZ I decided to go for it. I can be reached at XXXX *********, thank you. Regards, BBVA XXXX XX/XX/XXXX : Welcome to BBVA! We apologize for the delayed response regarding the status of our {$200.00} Promotion. Currently, we are receiving higher email and call volumes than normal ; however, our specialists are working through them as quickly as possible. We understand your concerns regarding when you will receive the credit for this promotion. We have escalated your concerns to our Client Care Team, who will review the promotion requirements. Your ticket number is XXXX. An analyst will contact you via the phone number on file within five business days. We thank you for your patience on this matter, and we apologize for any inconvenience this may cause. For your convenience, we offer customizable Alerts which are a great way to get personalized account information at your fingertips via the BBVA Mobile Banking Application. For more information about Alerts, please visit us at : https : //www.bbvausa.com/XXXX After receiving no response, I messaged again on XX/XX/XXXX Memo : Hi XXXX, I have not received a phone call regarding the promotion credit. Any information is greatly appreciated. Thank you. Regards, Then I received two messages a couple days apart, one through the BBVA portal and the other via email. No phone calls. BBVA XXXX XX/XX/XXXX Thank you for contacting BBVA. We have received your inquiry regarding a promotional bonus and we will be glad to assist you. Upon reviewing the account ending in XXXX, we were able to confirm the inquiry regarding an incentive was resolved. The resolution was sent via email to the email address on file. We are glad to inform you, the {$200.00} bonus requires 1 qualifying electronic direct deposit of {$500.00} or more to qualify by XX/XX/XXXX. A total would not be qualifying. If the requirements are met, you will receive your bonus by XX/XX/XXXX. The {$50.00} savings bonus requires a balance of {$1000.00} on XX/XX/XXXX to qualify. If the requirements are met, you will receive your bonus by XX/XX/XXXX. We hope this information helps you. Additionally, the BBVA Mobile Banking Application provides convenient management of your full BBVA relationship. You can access all of your Deposit Accounts, Debit/Credit Cards , Loans, Mortgages, CDs/IRAs quickly and easily. EMAIL FROM BBVA XXXX XX/XX/XXXX : We are reaching out to you regarding the promotion issue you reported which is currently being tracked with the ticket number referenced above. I reviewed your account. The account was opened with the WB2021 offer. The {$200.00} bonus requires 1 qualifying electronic direct deposit of {$500.00} or more to qualify by XX/XX/XXXX. A total of {$500.00} would not be qualifying. If the requirements are met, you will receive your bonus by XX/XX/XXXX. The savings must meet the balance requirement of {$1000.00} on XX/XX/XXXX. There is also an evaluation period through XX/XX/XXXX. The bonuses will post to your checking account by XX/XX/XXXX. If I can be of assistance please contact me directly at your earliest convenience. I can be reached at XXXX Monday Friday XXXX XXXX - XXXXXXXX XXXX CST. Sincerely, This email verified my account was opened with the Winter promotion, and I had multiple direct deposits from my workplace during the period required. I called on XX/XX/XXXX after checking that no promo credit has been applied to my account just to find out the ticket was supposedly closed on XXXX thus starting the whole process over again. No promotional credit has been posted. | ||||||
| 12/20/2021 | Yes |
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| On XX/XX/XXXX around XXXX central time, I submitted payoff payment in the amount of {$5200.00} to PNC Bank online. PNC 's system duplicated my payment in addition to giving an online banking exception. I called PNC the following morning, XX/XX/XXXX. The representative informed me I needed to call my bank since it was not a PNC account and put a stop pay on XXXX XXXX the payments. During this same call, I was transferred to XXXX XXXX XXXX. As she requested, I faxed her the XXXX confirmation and exception pages ( attachments A-D ). I voiced concern of a stop pay fee and was told to call her directly if it occurred. On XX/XX/XXXX, I called and faxed XXXX XXXX the transaction list showing stop pay fee charge ( attachments E & F ). Thinking this would be the end after receiving reimbursements and title, however, to my dismay, this horrific nightmare was just beginning. On XX/XX/XXXX, I logged into my PNC online account and it still showed a balance ( attachment G ). I called PNC on XX/XX/XXXX and was told my payment was insufficient. I explained to the representative XXXX payment should've been rejected and was because of the stop pay, however, the other payment was sufficient. Please refer back to attachment F. My balance as of XX/XX/XXXX was {$6000.00}. PNC advised me to make another payment online as this was my only option. I refused for fear of another duplicating error and asked to speak with a supervisor. I submitted another payment in the amount of {$5200.00} with him over the phone. Since I was a BBVA customer, there was no charge for pay by phone ( attachment H ). On XX/XX/XXXX, PNC online was showing a balance of {$20.00} ( attachment I ). I called PNC and was told it was interest. I refuted this interest accrual since I submitted the payoff balance on XX/XX/XXXX. He reviewed my initial duplicate payment complaint and submitted another ticket regarding accrued interest. He informed me I would receive notification via mail regarding the outcome. Another way he informed me I could review the outcome sooner than mail was if I logged into my PNC online account and saw a message that I no longer had an account then the issues were resolved. During this same timeframe, I received a check from PNC for an overpayment refund in the amount of {$5200.00} ( attachment J ). On XX/XX/XXXX, PNC online gave me a message as the representative told me I would see once the issues were resolved ( attachment K ). Understanding everything to finally be resolved, I deposited the refund overpayment check into my XXXX account via ATM on XX/XX/XXXX. After the check posted, I paid several bills XXXX XXXX. On XX/XX/XXXX, I received a call from XXXX informing me of PNC 's stop pay. At this moment, I was extremely embarrassed and horrified. I immediately called PNC and spoke with XXXX. She informed me the reason for the stop pay was because I now have a balance of {$22.00} ( attachment L ). After PNC closed my account, it was reopened. XXXX escalated/expedited my case and instructed me to call back the next day. Because of the stop pay, I accrued overdraft and chargeback fee, totaling {$46.00} ( attachment M ). Please note, my initial complaint was voiced on XX/XX/XXXX and my case wasn't escalated until XX/XX/XXXX. On XX/XX/XXXX, I called and spoke with XXXX XXXX XXXX, Supervisor. At this moment, I was overly frustrated and upset. I broke down. XXXX XXXX provided me the case number ( XXXX ) along with the case worker 's name/number, XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received an email of payment return due to insufficient funds ( another bill I paid on XX/XX/XXXX from overpayment refund check-attachment N ). I called PNC the same evening around XXXX central time for an update. Representative informed me replacement check in the amount of {$5200.00} would be overnighted the next day, Sunday and I would receive it Monday. ( I've never heard of mail being overnighted on a Sunday. ) I also made a payment for {$22.00} ( attachment O ). Tuesday, XX/XX/XXXX, still no check. I called PNC at XXXX central time and spoke with XXXX. She too never heard of overnighting on a Sunday. Because the call was lost on her end, I called back and spoke with XXXX XXXX at XXXX. He instructed me to call the next day to get the tracking number on the check. He also was unaware of overnighting on a Sunday. The next day, XX/XX/XXXX, I called PNC again and spoke with XXXX, Supervisor. He informed me I was only due overpayment for {$0.00} and the fees I've been charged would be for the retail escalation department to resolve. At this point, confused and stressed was an understatement. He did show my loan closed on XX/XX/XXXX. XXXX XXXX and myself have been unsuccessful reaching one another. I emailed her showing BankPlus fees ( attachment P & M ). To this date, I've not received any reimbursement from PNC for the {$35.00} XXXX stop fee charge. My initial XX/XX/XXXX payoff payment was made from my XXXX account. The refund service charge showing on attachment F was XXXX not PNC. I was charged stop pay fee twice so XXXX credit one back. I verified this with XXXX on XX/XX/XXXX. I've also not received reimbursement for XXXX insufficient fund charge of {$36.00} and chargeback fee of {$10.00} for PNC stop pay on overpayment check nor reimbursement for interest payment of {$22.00}. As I've shared with PNC staff, this has been a very stressful and horrific experience for me with sleepless nights, XXXX XXXX XXXX XXXXXXXX causing me to miss going into work and attending church. This has been nothing short of a nightmare. I would've never imagined paying off a vehicle early would result in so much grief. I was a well satisfied BBVA customer. I have no desire to conduct future business with PNC. I was told different things by different people plus the request to share my experience with PNC 's president/vice president was completely disregarded. In the midst of it all, I would like to commend XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX for your empathy. My goal submitting this complaint is for no other customer to experience my experience. Moving forward with PNC with the issues at hand, I would like to request all communication be either mailed to my physical address or email on file. Thank you for considering my complaint. | ||||||
| 12/14/2023 | Yes |
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| The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. This mandate is clearly stated in 15 USC 1681 Section 602 ( a ), which declares the need for " consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies '' qualifies as a financial institution under this statute. Furthermore, XXXX XXXX XXXX Section XXXX ( a ) ( XXXX ) restricts the circumstances under which consumer reporting agencies like XXXX and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' nor the furnisher of information, possess written consent from me to access my personal information. Therefore, any form of implied or verbal consent, written or otherwise, is hereby revoked. Moreover, XXXX XXXX XXXX ( b ) ( c ) requires financial institutions to inform consumers about their " nondisclosure option '' before disclosing nonpublic personal information to unaffiliated third parties. However, the furnisher of information failed to inform me of this right. Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including " other adverse item [ XXXX ] of information, '' other than criminal convictions exceeding XXXX years, in consumer reports. This provision directly contradicts the inclusion of outdated negative information on my report without my permission. In conclusion, the actions of Early Warning, and the furnisher of information clearly violate the Fair Credit Reporting Act and my right to privacy. I demand immediate rectification of this situation, including the removal of unauthorized information from my credit report and adherence to the legal requirements outlined in the aforementioned statutes as well as XXXX $ per violation of the FCRA. Unauthorized Credit Inquiries and Inaccurate Reporting : Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; Fair Credit Reporting Act ( FCRA ) XXXX. Permissible purposes of consumer reports [ XXXX XXXX. XXXX ] Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; FCRA XXXX XXXX - Permissible purposes of consumer reports. Inaccurate XXXX ( Account XXXX : ) : Violation : XXXX inaccurate payment history ; FCRA XXXX. Compliance procedures [ XXXX XXXX. XXXX ] - Compliance procedures regarding accuracy and integrity of information. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA XXXX XXXX - Compliance procedures regarding accuracy and integrity of information. Unverified Accounts on My Credit Report : Unverified Account - ( Account Number : ) : Violation : Unverified account ; Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; FDCPA XXXX XXXX [ XXXX XXXX XXXX ] - False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; XXXX XXXX Code XXXX - Protection of nonpublic personal information XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information XXXX XXXX Code XXXX - Enforcement XXXX CFR Part XXXX - PART XXXX OF CONSUMER FINANCIAL INFORMATION XXXX Form of opt out notice to consumers ; opt out methods. XXXX XXXX XXXX Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX added to your report without your written consent could be considered Identity theft XXXX CFR XXXX Purpose and scope. XXXX XXXX XXXX Initial privacy notice to consumers required XXXX XXXX XXXX Form of opt out notice to consumers ; opt out methods Privacy Act of 1974 ( XXXX XXXX Code XXXX Personal Impact : These infractions have far-reaching effects that go beyond the financial setbacks including lose of job opportunities, denial of Housing and psychological distress they inflict. I have been unable to provide a stable environment for my family. Now 5 years of homelessness I'm looking for security and a fresh start. Unfortunately, the errors and disputed accounts on my credit record have turned this fantasy into a crippling ordeal. My family has been severely hampered by the difficulty to obtain advantageous financing, and my cosigner has suffered greatly as a result of excessive draft fees. keeping a loop of uncertainty alive and causing XXXX. This experience has diminished our emotional resilience and put our financial stability in jeopardy, which lessens the likelihood that things will get better in the future. Action : Given the recorded transgressions and the upsetting effects on my life, I beg the Consumer Financial Protection Bureau to take action and make these violations right. I fervently ask that the unlawful credit inquiries be stopped, that false information be corrected in reports, that the unverified accounts be thoroughly investigated, and that there be a monetary remedy provided for the aforementioned infraction. I think that consumer protection legislation have the ability to guarantee fair and just financial practices. By taking action against these infractions, you protect the integrity of credit reporting systems for all customers while simultaneously helping to restore my financial stability. I value your consideration of this issue and look forward to a thorough conclusion that upholds consumer rights and advances financial justice of XXXX $ per violation of the FCRA. | ||||||
| 08/02/2018 | Yes |
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| We started a loss mitigation application Last XX/XX/XXXX with PNC. PNC has represented itself as the servicer for our mortgage. We own a home at XXXX XXXX XXXX in XXXX Virginia. We obtained an appraised which showed a value of XXXX. PNC requested their own appraisal and PNCs came back at XXXX. The loan balance on our loan is XXXX. So, whether the appraisal is XXXX or XXXX, we are upside down roughly XXXX and we can not continue the mortgage with our current financial situation. We were seeking approval of a short sale from PNC. We are not in foreclosure. We received a contract offer in XX/XX/XXXX for XXXX on the home. It is now vacant and has been burglarized. After months of closing and reopening our file, being told they were heavily regulated and having us jump through hurdles our file was finally complete on XX/XX/XXXX. We received notice from PNC that our loan application was complete as of XX/XX/XXXX. They did not respond to us with any options. PNC never told us that it needed more information. We were finally advised of an offer by a PNC representative XX/XX/XXXX, that PNC would accept XXXX. They didnt say how that would be handled, or how it would work. We were told however, that we would need to make a counter offer to the prospective buyers who offered the XXXX for XXXX. We were also told that we would need to list the property on the real estate marked for a limited time. We countered at XXXX to the potential buyers as we were told to do. As expected, the buyers came back with a XXXX counter to our counter along with a letter detailing how they came up with the figure. The property is in poor shape so this was no surprise. We were told that we had a three day deadline to get PNC an answer back from the potential buyers. In addition, we asked what the tax implications were going to be and if we would be released from the loan and we were told we would have to make the offer first before anyone could tell us that. This was a difficult situation because we were talking hundreds of thousands of dollars in financial and taxable consequence. Based on our understanding of what PNC told us to do, we submitted the buyers counter-counter offer of XXXX to PNC within the three day deadline they demanded. It is now my belief that they should have given us at least 14 days, or through XX/XX/XXXX. The PNC rep told us that she didnt know whether PNC would accept the XXXX offer. We were not advised of any other options available to us so we waited for their answer. PNC came back to us on XX/XX/XXXX, after hours, stating the counter-counter offer of XXXX was denied. We asked the PNC rep if we could add additional money to the deal that same night to create a total of XXXX, their whole figure. She told us we could. Two days later, they informed us that we could not and that our file was closed. All of this was before XX/XX/XXXX. We then received a letter from PNC dated XX/XX/XXXX stating that they needed additional information for a third party related to value of the property. This was just a lie. Their appraisal was completed on XX/XX/XXXX before the initial offer was ever made by PNC. They also sent us a second letter at the same time, also dated XX/XX/XXXX stating that our request was denied. The only reason stated was that the minimum net proceeds required for a short sale on your property were not met. We DID offer the full amount. I then sent letters to the master servicer, XXXX XXXX and out of the blue about 3 weeks ago their attorney contacted our attorney. Our attorney cited many regulations that were not complied with in our case and we again told the attorney for PNC that we would like to resubmit the XXXX offer they had given us in hopes they would be compliant of the federal regulations. The response back from the PNC attorney was that the regulations didnt apply in this case because the property in question was not our primary residence. This was amazing to us. PNC knew this from the beginning. Our application specifically says that were looking to a short sale which is not our primary residence. So, we have PNC representatives telling us on one hand that they are trying to comply with the loss mitigation regulations and making us jump through all of these hoops, and we have their lawyer telling us that the regs dons apply. To a consumer, this is very confusing and disturbing. Two people at the same institution are telling us two very different things. The entire year we have been dealing with this situation, working with our buyer to get the short sale complete and were always told our case was heavily regulated. Our attorney cited the regs and how procedure was not properly followed, which would have given us an additional 10 days to have negotiated with PNC on the make whole value ; meaning we would have been able to submit another offer. However, PNCs attorney came back after we cited the regulations saying that our file was not regulated because it was not our primary residence ( their loss mitigation application, on the first page, says if the property in question is not the primary residence to list all residences ). The issue of our home being primary residence was never mentioned this entire year until now. In fact they made us an offer knowing the property was not our primary residence. After the attorney gave us this information, our attorney responded by saying that if, in fact, that was not the case than our should still be open, or easily reopened, and a contract to make the XXXX offer could be accepted. He told our attorney that the only thing we could do was to submit yet another loss mitigation application and try again. FOR WHAT? If the regs dont apply per their attorney, why is PNC telling us and acting as if they are? If they do apply, theyre not following them. This is a tremendous loss for our family and any consumer would be overwhelming frustrated and confused by PNCs process. The original buyers are still around and we can still make an offer to PNC for XXXX, the EXACT figure they said they needed. We understand that you cant make PNC accept our offer, but you can investigate our case and make sure they complied in all respects. | ||||||
| 08/07/2020 | Yes |
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| Here is a brief summary and details for two major issues below. We started the loan refi process on XX/XX/XXXX. All requested information was sent on XX/XX/XXXX. Conditionally approved XX/XX/XXXX and again XX/XX/XXXX. Introduction to Loan Processing Analyst XX/XX/XXXX. No response from Analyst via phone or email from XX/XX/XXXX, called again and sent followup email XX/XX/XXXX at which point I got a response. All requested information sent XX/XX/XXXX. Emailed XX/XX/XXXX to confirm closing was still set for XX/XX/XXXX, followed up XX/XX/XXXX at XXXX, when no response was provided, I emailed the supervisor of the Loan Processing Analyst, XXXX XXXX XXXX. I got a automated response that she was unavailable and at XXXX I forwarded all information to the supervisors on her email, XXXX and XXXX . XXXX responded on XX/XX/XXXX, closing day, at XXXX confirming that the Loan Processor was reviewing and also confirming for the first time that we wouldn't be closing that day. A new set of requirements and explanations was requested later that day. XX/XX/XXXX, loan processor takes vacation and additional pay stubs requested ( pay stubs sent XX/XX/XXXX ). Email to PNC on XX/XX/XXXX requesting update since no response given. On XX/XX/XXXX, backup Loan Processing Analyst indicated that file was delayed because they needed to complete an extension. XX/XX/XXXX, request for information again that has been provided 3 times already. Below is a full timeline on two items : my wifes joint account with her brother and my wifes salary. Joint Account : First request for information on Joint Account between my wife and her brother was requested XX/XX/XXXX. LOX signed by my wife and brother-in-law explaining 50-50 account was sent XX/XX/XXXX. XX/XX/XXXX, requested another explanation that it's a shared account and first request for source of large deposits. XX/XX/XXXX LOX issued explaining sources of funds. XX/XX/XXXX - Follow up email ( no response ) XX/XX/XXXX - Follow up email. Response that they would check on file. Email later in day requesting source of funds, previously requested and explained on XX/XX/XXXX. Phone call with Loan Processor to discuss repeated request for the same information. XX/XX/XXXX - Email request for source of funds for large deposits into shared account. Documents sent XX/XX/XXXX. XX/XX/XXXX - Email to confirm that this and the Schedule C issue are the only items remaining to clear. Email from Loan Processing Analyst later in the day confirms. XX/XX/XXXX - Email sharing requested source bank account information. XX/XX/XXXX - Request for updates. XX/XX/XXXX - Response that it's still with Underwriting. XX/XX/XXXX - Request for updated statements and again requesting explanation of the same large deposits explained XX/XX/XXXX & XX/XX/XXXX. XX/XX/XXXX - Reply with all documentation requested. XX/XX/XXXX - Request for update. XX/XX/XXXX - Reply confirming that Loan Processing Analyst is on vacation and replacement, XXXX, would help " wrap up your loan. '' XX/XX/XXXX - Request my most recent paystubs. I forwarded them later that day. XX/XX/XXXX - Request for update. XX/XX/XXXX - confirmed delay because they didn't file for the extension. XX/XX/XXXX - Request for explanation of large deposits explained XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and indication of lower credit score for my wife ( upon reviewing the documentation provided by PNC to us, I discovered that the mistook my credit score, 28 points lower than my wife 's, for mine and said that her credit store was decreasing. Needed approximately $ XXXX, has $ XXXX XXXX XXXX : XX/XX/XXXX - Request about Schedule C income. XX/XX/XXXX - LOX with chart of guaranteed salary and bonus with dates issued. XX/XX/XXXX - new request for confirmation of Schedule C income start date. XX/XX/XXXX - Spoke on the phone and requested that they refer to previously issued information. XX/XX/XXXX - Follow up email ( no response ) XX/XX/XXXX - Follow up email. Response that they would check on file. Email later in day requesting start date again. Phone call with Loan Processor to discuss repeated request for the same information. XX/XX/XXXX - Request from Employer explaining Schedule C income and YTD P & L. XX/XX/XXXX - Email to confirm that this and the Joint Account issue are the only items remaining to clear. Email from Loan Processing Analyst later in the day confirms. XX/XX/XXXX - Email sharing requested P & Ls XX/XX/XXXX - Request for updates. XX/XX/XXXX - Response that it's still with Underwriting. XX/XX/XXXX - Response on " declining income ''. Phone call and followup email that I would be providing my wife 's contract with confirmation of underwriter 's error, failure to review, and proof of guaranteed plus bonus income. XX/XX/XXXX - Signed contract sent. XX/XX/XXXX - Email request for update. XX/XX/XXXX - Email request for update. Response later in the day from the Loan Officer that underwriting would " need to be a really good explanation. You have a pretty severe declining trend in gross ( income ). '' Phone calls followed to explain that the underwriting wasn't reading the contract or properly reading the XXXX XXXX XXXX. XX/XX/XXXX - Salary letter of explanation, tax records and P & L sent. XX/XX/XXXX - Request for update. XX/XX/XXXX - Response that it's still with underwriting. XX/XX/XXXX - Request for update. Response later in day with quote from underwriter suggesting that contrary to what was requested by the Loan Officer, they aren't looking for an letter from the borrowers but rather a letter signed by the business owner. No reference to the contract, signed by the owner, that was previously provided that spells out the income. Email also questions suggests that the information provided was wrong and fabricated. I then immediately requested a phone call. XX/XX/XXXX - Email that Loan Officer wasn't answering or replying to phone calls and request for update. Loan Officer 's supervisor, XXXX, responded within the hour. XX/XX/XXXX - Request for update. XX/XX/XXXX - Request for update with further documentation on salary. XX/XX/XXXX - Request for tax returns again. | ||||||
| 05/06/2017 | Yes |
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| Below is the letter I had to send to PNC Bank Dear Chairman of the Board, I have been a member of PNC for 18 years and I am writing to you in regards to a very troubling incident that occurred with PNC and the subsequent response by the credit card service department. On Friday XXXX XXXX XXXX I was trying to pay my PNC Points credit card bill using my PNC Checking account, however, there is was a problem with the online banking system. The system would not let me pay the bill during the morning, but I was eventually able to pay the bill around XXXX XXXX XXXX XXXX. When I checked my account Saturday morning, XXXX XXXX XXXX, for some reason the bill was paid twice and ~ {$8000.00} was removed from my checking account. I only reached the payment submit option once on XXXX XXXX so there was no possible what could have submitted payment twice. I stopped by my local branch in XXXX, NJ immediately to try and address the problem and customer service representative showed me that the computer system directed me to call the credit card service phone number at XXXX. When I was connected with service represented she informed me that she will submit the charge to be reversed and I would not be charged a fee because I was paying the bill well before the due date. At this point I questioned, why she would say that I would be not charged a fee when the error was entirely the fault of PNC bank? She apologies and just wanted to clarify, but insinuated that the error was my fault without asking any details. She went on to say that she would not be able to deposit the funds back into my checking account immediately. I stated that this was completely unacceptable, because the system was able to withdraw the money from my account immediately, but why can she not deposit the funds back when the error was completely the banks fault? She could not give a satisfactory answer and only would state that she could start the process. I then asked to be connected to a manager and she connected me with XXXX XXXX who was the manager on duty. XXXX could not explain why the system made a double payment, refund the funds immediately, and told me the refund would be available in 3 10 business days, because the refund processing department was small. I told her that was absolutely ridiculous and not acceptable at all for the refund to take 3 10 business days. And that it was outrageous that she had no way to correct an issue the was 100 % the fault of PNC Bank. In addition, she was alluding to that PNC under staffs or over works the department responsible for rectifying errors it makes. I also told her that since PNC made this egregious error that the bill payments I made may bounce because of a lack of fund and her asinine and smug response was you would need to call the checking account department ; I deal with credit card services. I went on to explain that the problem I am having is with the credit card department, because her departments error is what is causing the problem and it is outrageous for her to pass me onto another department. After further discussion, she refused to help me and told me to write a letter to the Office of the Chairman of the Board, and would not give me a phone number or mail me an address where I could send the letter. All she would do is give me an address over the phone which I hope is correct. Now I understand that XXXX is only doing what she is told, but a person in her position should also be trained how to interact with people instead of towing the standard line in an arrogant manner. However, the main transgression is with how PNC Bank has instituted a processes to deter customers from finding recourse. The process it has install is not meant to help customers, but only make the path so difficult as to limit escalation through attrition. Here is summary that I find completely unacceptable by PNC Bank. 1. The online banking system would erroneously make double payments when the customer only submitted one payment. 2. The online banking system would take a double payment after the first payment paid the balance in full. The system MUST recognize that if a payment is made that pays off the balance it MUST not accept another payment. 3. The PNC process has no way of correcting errors made by the bank as fast as it is able to make them. If the system can withdraw the money immediately it MUST be able to refund the money immediately. 4. The unacceptable behavior of the customer service manager, XXXX XXXX, to tell me to deal with the checking department for any issues that was caused by her department. 5. Employing a laborious and unacceptable process to raise my concern to senior management. XXXX response to raise my concern was to write a letter to the XXXX of the XXXX. Where there is no accountability and the only reasons the system would be designed in this manner is to deter customers from finding recourse. 6. And finally the process PNC Bank has installed to protect the banks interests above all. The Banks first responsibility is to the customer and not to make the process of rectifying issues laborious The proper response of PNC Bank should have been we will take care of the issue, not treat me as if I was the problem and I should not be bothering the bank and its employees with issues caused by the bank. I have been a loyal customer for almost two decades and the staff at the XXXX branch has been exemplary. The customer sales representative there is bringing the issue to his manager and escalating the situation. However, whenever there is an issue and I have to go through the PNC designated process I am always left aggrieved. Given the systematic process with which PNC has decided to treat its customers I must report these activities to the proper channels. I will be passing this letter and escalating the issue to the following sources : 1. The Consumer Protection Bureau 2. XXXX XXXX XXXX of New Jersey 3. XXXX XXXX XXXX of New Jersey 4. XXXX XXXX XXXX of the XXXX XXXX of New Jersey. I look forward to hearing how PNC will change its processes to be more customer friendly instead of customer difficult. XXXX XXXX XXXX | ||||||
| 03/31/2023 | Yes |
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Web | Servicemember |
| I inquired about opening a business account account on XX/XX/2023. On XX/XX/2023 I received and email from XXXX XXXX to open a secure email link he sent. It requested my business documents to be sent. I uploaded a copy of my IRS-EIN and Secretary of State Registration . After a few days and no response I then called PNC to get assistance with proceeding to open my account. The process was supposed to be that after my documentation was uploaded I then someone would schedule a virtual appointment. The closest PNC to me is XXXX miles. When I called PNC and reached someone in the business department the individual I spoke first told me he never heard of XXXX XXXX and doesnt think he is apart of the team then he sent a message to his XXXX who stated the individual was indeed a business rep. So instead of the person on the phone connecting me to XXXX XXXX he heavy suggested I go into a branch. The only PNC that I knew of that was potentially close was in XXXX, XXXX XXXX. I live in XXXX. The initial bank I requested to go into I was told they had no bank managers available to open business accounts and to go into the PNC branch on XXXX XXXX in XXXX, North Carolina. I went to to the Branch on XX/XX/2023 and met with XXXX XXXX XXXX XXXX. I first typed in my social via key pad, then she asked me to type it again. She stated another profile popped up but a different name but stated it was from a Individual in XXXX. She stated the person didnt have any business relationship with PNC XXXX She told me not to worry she would have me fill out a XXXX form. She then asked for my Business documentation. She almost immediately started asking me how was my credit and she started tell me about Business Credit Cards. I told her I was interested because I was trying to buy a home and really didnt care much for credit cards the credit Union I bank with provided me with a credit card recently and I was content with what I had. Then XXXX XXXX XXXX started tell me how during her divorce she was in a significant amount of credit card debt and her credit was horrible then she said her credit got better. So then XXXX started discussing merchant services. She called a merchant services rep and put him on speaker phone and as we were discussing merchant services for my business I noticed XXXX XXXX typing information from my credit card from my other Bank and my ID. She had already entered my information. So after a XXXX min conversation with the merchant services rep. I get an alert on my email regarding a application denial. So I asked XXXX did she apply for a credit card because it was denied then she looked in her system and said oh it was because you have to many inquiries on your credit. I did not authorize her to apply for anything. The account opening was concluded and I left. On XX/XX/XXXX, I get an email from XXXX stating my address was residential it was for a mail room and I stated well its a business account that is where my business mail goes. So she asked me to email her my physical address and which I did. She stated the back office needed the information. I was confused considering I was in the branch for XXXX when opening my account. On Monday XXXX I get another email from XXXX stated the back office needed my social security card. She then called and asked if I could send my ID and Social via email. I told her no because emails arent secure. Her being a branch XXXX it was concerning because these issues should have been addressed when I was there. So since I couldnt make it back in the office on Wednesday the XXXX I called PNC customer service XXXX department asking to speak with the department that was asking for documentation me assuming their was a secure document upload option. I just so happen to speaking with the same rep who instructed me to go into the branch. I expressed to him my concern with the XXXX XXXX and instead of him contacting his XXXX he contacts the XXXX XXXX and he was like Im messaging her now I said while why when the complaint is about her. So he stated she messaged him stating to call her. I ended the call. So on the evening of XX/XX/2023 I go to login into my business account to get my account information to provide to the companys that will pay me I kept getting an error message I first assumed the app was down. I called into PNC customer care they stated everything was fine and try from a different browser. I stated to her I already did so she looked further into my account and stated oh looks like there is a security alert on your account and the branch XXXX XXXX stated I have to come in. I live far Im trying to get everything in place for my business I can not keep driving XXXX miles to a branch. I called PNC customer service again. I was told I could be mailed a XXXX form and send it back no big deal. When I called again because Im still not sure why I cant access my account. I explained to a representative in the business department the whole situation and how I felt the XXXX XXXX XXXX was attempting to commit Identity theft fraud. She was asking person question via phone unrelated to direct account stuff. So the business rep stated he would file a complaint and have it escalated. It has been 3 days and I have no got a return call from anyone at PNC. I went into a different XXXX located in XXXX XXXX XXXX. I explained to the branch rep what was going on she called a department called loss and prevention I provided her with my ID and Social made copies and insured me she would send it to the right department. I am not sure why my documents werent sent immediately and the shredded. So I called PNC customer again and asked could they reach out to that department to see if they received my documents. The rep stated she would add to the escalation report but someone has it where I can only go into a branch. PNC has caused me to loose money the have no structure they cant even properly protect customers from potential identity theft. They work on a call back basis. I have XXXX XXXX and XXXX XXXX XXXX. All this stress and upset me more ways than one. PNC even even refused to close the account. | ||||||
| 03/20/2018 | Yes |
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| I would like to complain about what I believe is undue burden placed on the student borrower by XXXX XXXX XXXX/PNC Student Loans when it comes to temporarily reducing loan payments as a result of a lower income. I called and spoke with a customer service representative from XXXX XXXX XXXX ( the servicer of my PNC Student Loans ) at the beginning of XX/XX/XXXX to discuss lowering my monthly payments, as I wasn't employed full time as of yet and was going to have trouble making payments once my loans entered repayment. I was told about a Loan Modification Program PNC Student Loans offers which temporarily reduces payments for eligible students, and received an application for this program via the XXXX XXXX XXXX online portal on XX/XX/XXXX. I filled out this application and sent it in via mail, and was called a week later by a representative about needing to submit additional pay stubs as those provided for my Co-signer were not consecutive. I resubmitted these paystubs Receiving no updates, I called XXXX XXXX XXXX to follow up on the status of my application about 3 weeks later, where I was told the application had been denied on the grounds that the pay stubs submitted were not consecutive. When I told them I had already sent these, I was told they were never received and I would need to reapply. I resent an application XX/XX/XXXX, and received a denial on XX/XX/XXXX via the online portal, on the grounds that my income/expense and my co-signer 's income/expenses did not meet the criteria for this program. I was discouraged and frustrated. I reapplied to the program on XX/XX/XXXX with new financial information, as in this time I was hired full time at a job out of state and moved out of my parents house- as a result my expenses greatly increased. I sent this application in via e-mail this time, as a result of having previous mail-ins not received ( the prior re-submission of pay stubs that were never received ) and hoping this would be a more timely, efficient method and I would be able to receive a response quicker. I called XXXX XXXX XXXX the third week of XX/XX/XXXX to follow up on the status of my application as I had not heard anything back. During this time, I learned that the applications I had sent in after my first application was closed in XXXX ( because of the missing pay stubs ) were invalid, since I was using the application forms sent to me in XXXX that had been closed. The representative told me the XXXX and XXXX applications were invalid because I needed to be sent new application forms to reapply ( even as the forms as the exact same as the original forms. ) I was extremely frustrated that this was never communicated to me, asked that a new application be sent so that I could reapply. I also asked which method would be most effective to send in the application- via mail or via e-mail- as I wanted to ensure my application was received, an was advised to send the application in via mail. I received the new application via the XXXX XXXX XXXX online portal on XX/XX/XXXX, and resent my application via mail XX/XX/XXXX. I called to follow up on the status of this application on XX/XX/XXXX and was told my application was being reviewed by the lenders and a decision was still pending. I called again to follow up on the status of the application on XX/XX/XXXX and this time as told I needed to send additional student borrower pay stubs, as I only sent 2 in ( as the application requests ) but since I am paid weekly, the pay stubs only reflect 14 days and need to reflect 30 days a pay. Additionally, I needed to resend a form where I had mistakenly checked a box then scribbled it out- I needed to resubmit this form without a check. I corrected and resubmitted these documents on XX/XX/XXXX. I called XXXX XXXX XXXX to follow up on the status of my application on XX/XX/XXXX. I was told I needed to reapply, as a line in the co-signers financial statement was incorrectly filled out and misleading. I am not waiting for a new application to be sent via my online portal, so I can apply for this program for the 5th time over the past 8 months. My complaint has to do with the tediousness and lack of communication throughout this entire process. It seems unnecessary that I should need to reapply every time there is a small mistake ( such as accidentally checking then scribbling out a box, to indicate that it was check ). It seems ridiculous that there isnt a way to submit an application online, that everything is via snail mail. I think it is also ridiculous that I cant receive e-mail or phone call updates to my applications status when it changes- I wouldnt ever find out about the errors with my application or additional documentation needed without calling the customer service line every week for updates- which involves navigating through an automated operator and being placed on hold for about 20 minutes collectively each call. It honestly feels like XXXX XXXX XXXXPNC Student Loans is trying to make the process of reducing payments as difficult as possible, which is frustrating for me, a struggling student borrower who has been making regular interest payments on my student loans since they were disbursed my freshmen year of college, have never missed a payment, and truly want to be able to continue making regular payments on my loans, but am just struggling with a lower income due to being less than a year out of college. The past 8 months of applying, re-applying and follow up calls have been frustrating and very stressful, as I have had to make full payments this entire time which I can barely afford, and unless they are lowered soon I fear I wont be able to make payments anymore. Additionally, if I compare my experience trying to lower my student loans with XXXX XXXX XXXX/PNC Student Loans with XXXX XXXX XXXX, I am even more aggravated, as XXXX XXXX XXXX made the process extremely quick, informative, and handles the paperwork themselves. Clearly it does not need to be this complicated, I truly believe that XXXX XXXX XXXX/PNC Student Loans is just purposefully making it so. | ||||||
| 11/15/2021 | Yes |
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| On XX/XX/XXXX, I attempted to purchase a laptop online from XXXX XXXX with my PNC Visa debit card through my business account, XXXX XXXX XXXX XXXX XXXX and was declined. As a result, I checked my bank account to find multiple fraudulent charges that began on XX/XX/XXXX. I took a screenshot of both posted and pending charges and called PNC for my records, with the intent to use them to dispute those charges. The fraudulent charges included an ACH payment for {$12000.00} to XXXX XXXX. I have made it clear to PNC as well as the police that I do not know XXXX XXXX, nor have I shared my sign in credentials with her. As I searched through my online account to find that PNC had allowed someone named XXXX XXXX to add themselves as a sub-user to my account without vetting her or even notifying me. Moreover, PNC did not notify me of any of these unusual transactions happing on my account. I have had this account since XXXX, and the largest payment I have made was {$2000.00} to this point. If PNC had been monitoring my transaction history, as promised, they would have been able to easily notice a alarmingly severe change in spending habits. These transactions totaling more $ XXXX in a weeks time, should have been a red flag to any banking institution. I called PNCs customer service number daily to dispute charges as they appeared in my online account. Each day, PNC Customer Service Reps informed that disputes were being submitted against the transactions I noted as fraudulent. there was a request to reverse the of all posted charges submitted, but I had to call back the next day to dispute the pending charges. I called PNC back on XX/XX/XXXX to dispute the charges, but was told nothing posts on Sundays, so Id need to call back tomorrow. I called back on XX/XX/XXXX and disputed all newly posted charges again. By Tuesday there were more charges pending to post to the account. There was a total of 17 fraudulent transactions between XX/XX/XXXX and XX/XX/XXXX totaling {$28000.00}. ( see attachments for details ) On XX/XX/XXXX, I was informed by PNC customer service representative, that I needed to go into my local PNC branch to request a debit block. This in contradictory to what I was previously told buy a PNC customer service rep on XX/XX/XXXX, when I initially called. I went into the XXXX, MD branch and met with XXXX XXXX, VP Bank Manager. He walked me through opening a new account and transferring the remaining {$3000.00} into that new checking account. He had me sign papers to place a debit block on the account that had experience fraud. The next morning, I woke to find the old account was now more than {$14000.00} in the red. I again called PNC customer service, to find out how an account with a debit block could have experienced more theft. I was informed by PNC customer service rep the Bank manager, XXXX XXXX, placed a debit hold on the new account, instead of the old one. At that time, I was also informed that the most recent overnight transactions would have a hard stop placed on them, so they would be rejected and not paid. After being disappoint by PNCs handling of and their failure to protect my identity and funds, on XX/XX/XXXX, I filed a police report ( XXXX ) with XXXX County Police Department with Officer XXXX ( # XXXX ). Officer XXXX has been in contact with me over the past 2 months detailing the unfolding ongoing investigation into the fraud on my behalf. He has sent subpoenas to al vendors involved, as well as PNC Bank. He informed me that PNC received the subpoena on XX/XX/XXXX, but as of XX/XX/XXXX, they have not complied or responded. The phone numbers XXXX XXXX added as her own were used for the XXXX and XXXX rides. I have done a reverse look up and attached screen shots of that information. Additionally, Officer XXXX has found via subpoenas that these phone numbers were used for the fraudulent email addresses and XXXX rides. Please be aware the investigation continues. On XX/XX/XXXX, I received two notices in the mail stating that someone had made online applications to open new accounts at both XXXX XXXX and XXXX XXXX but were ejected. Luckily, I had previously placed a credit freeze on all three of the credit bureaus. However once PNC stopped payment to XXXX, I began to receive collection notices from XXXX XXXX XXXX. I had to submit my signed affidavits with PNC and my police report to dispute these charges. I finally received notice from XXXX stating these charges were no longer attached to me. Oddly enough, these transactions are still listed as only a pending reimbursement in my PNC account. I have asked repeatedly how long this will take to clear up. Each time I get a different answer. I have been told 60 days, 90 days, 100 days and most recently I was told 120 days. I was contacted on XX/XX/XXXX, by XXXX XXXX, who identified herself as my Case Manager in the Retail Support Department. I had been in contact with Ms. XXXX to update each other on the case. On XX/XX/XXXX, I was informed by my Case Manager that PNCs investigator has informed her that PNC will NOT be refunding me the fraudulent {$12000.00} ACH fraudulent payment to XXXX XXXX. Their reason is because I took more than 24 hours to notify them of this fraudulent transaction. As stated earlier, the transaction took place on XX/XX/XXXX and I noticed it XX/XX/XXXX. I not only demand these funds be returned to me, but I want interest that I would have received with my full {$31000.00} would have accrued between XX/XX/XXXX, when these transactions began and when I receive my full reimbursement. On that day, my case manager put me in touch with XXXX, a third-party platform PNC contracts with to transfer funds. After speaking with XXXX, they informed me that they are not responsible for those funds. Moreover, they informed me that PNC is responsible for vetting individual added to the account and the transactions they perform. After speaking to my Case Manager again, she assured me shed request that the investigator re-review my case. I have not received any reimbursement as of today, XX/XX/XXXX. | ||||||
| 08/28/2018 | Yes |
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| I have been having problems with this company since early this year. I had emailed my 'portfolio manager ' information that I wanted to set up auto draft. I hadn't heard back from him so I figured everything went fine because I submitted the document that was forwarded and requested from them. I did not know at the time that I had no choice in the date for an auto-payment withdrawl at that point. I submitted a couple emails with the form filled out with no reply. Several months go by and I realize that the money is not coming out of my account when I start getting collection calls and emails. So I reply to the emails since my work schedule doesn't allow for me to make too many personal calls during the day. I stopped receiving calls shortly after, thinking that they received my request to pull the past due amounts from my account and to make sure the auto-draft was started. 2 weeks later the calls start up again and again I finally get someone on the phone. I do not recall who it was but it was a customer service person. I got my account back in good standing and stated I will email in the form once again to the address they have listed and I double checked that was still the right address. So I did just that. I didn't hear back from them that anything was wrong. No email reply. Time goes by and with spring being a busy time for me running an equine boarding stable plus working a FT job, I start getting collection calls again. I am irate at this point. I have done everything they have asked me to do and yet they still refuse to set my account up on automatic drafts as I had requested. So I finally get in touch with a supervisor, a XXXX XXXX, which the reps were trying so hard to not do, and he and I exchanged emails after a very heated discussion about the past rep not doing what I had stated he would. He stated that they can not take payments out any other day but the 1st of the month. Everything I had sent indicated I wanted the 5th or later, but XXXX XXXX XXXX stated this was not possible. So I guess they just chose to ignore my emails instead of address the issue? I forwarded the emails I had sent to the previous rep with the forms, and it was confirmed from XXXX XXXX in an email that he would follow up on that rep 's email management. Either way, I was still behind on lease payments again. Along with late charges that they refused to remove even though their lack of communication caused the late charges to accrue. I then replied stating that while having the payment withdrawl date be on the 1st is a financially difficult thing for me, just go ahead and set it up that way because they don't take payments any other way except mailing a check ( which I don't trust that they won't mysteriously misplace like they have in the past, akin ignoring my emails to set up auto-draft ) or making a payment over the phone which they charge you {$15.00} each time they take the payment over the phone, which is extortion. No company charges that much to take money from you. There is no option to pay online or even through an automated system. This makes it very difficult to give them the money to do so. When I signed the lease originally, it was not disclosed to me that changing the payment date would not be possible and back then it wasn't as much of a concern. Back when I signed the lease, I was in a different job that paid weekly so money in the account was not a concern. Now I am paid twice a month from my new salary position, which is the XXXX and XXXX of each month. I am lucky to receive any payments from my XXXX on the 1st. It is rare because most of them are paid in a similar interval to me. So thinking that XXXX XXXX XXXX had followed through with my email to set it up on the 1st, I moved on. Boy was I wrong. XXXX XXXX XXXX had not followed through, just like the portfolio manager he was supposed to follow up on. I get a call today saying I am behind ... with more late charges and they insist on charging me the {$15.00} phone-payment fee to take the money they were supposed to be auto-drafting. So I check my account ... and yep, none of the payments had been drafted. Yet because I had already assumed they had been taken out as I intended. So now, if I talk to the person over the phone to get caught up, they want to extort more phone-payment fee money from me plus late fees that should never have been charged to the account. XXXX XXXX XXXX claims to have not deleted emails nor to have received the one I replied to/sent. Given that this is what the other rep ( XXXX XXXX in the email chain ) had stated, this seems to be a trend that I wonder if XXXX XXXX has taken notes from XXXX XXXX on unethical business practices. To charge late fees after claiming they never received a check, nor my emails, and then to get the account caught up I have to pay another fee on top of it unless I want to mail another check they can lose. This is excessive and they deliberately make it difficult and expensive to make payments to charge late fees. I have continued to connect with the company via email to resolve this. Since the above has happened, I have also requested on XX/XX/XXXX that {$250.00} be taken from my account to complete the XXXX payment that their incompetence had made late and not paid. I continued to get calls and emails. Today, I stated that I would like them to withdraw two payments in the amount of {$220.00}, for a total of {$440.00} for the XXXX and XXXX payment. I was then notified that the XXXX payment had not been made, despite me receiving an email confirmation from agent XXXX XXXX. She claims I never replied to her email so she didn't make the payment. Yet I have confirmation of said reply to her email. She claims she has never received it. This continues to be a problem and as I see it, it is a way to get additional fees and charges and finance income by intentionally not putting requested payments through and any check I send, they claim they don't receive, despite having tracking numbers stating that it was received by their office. | ||||||
| 08/08/2023 | Yes |
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| I am filing this complaint because I still have not received funds back that were disputed with BOTH PNC Bank and XXXX which totalled {$26000.00}. I have notified both companies in a timely fashion, have initiated disputes through proper channels with both companies ( to the effect that they would allow it, please refer to the information below about XXXX preventing me from completing disputes in a reasonable manner ), and finally have submitted my disputes to both companies in writing ( these letters I have enclosed with this complaint ). While PNC Bank has corrected the unauthorized debit card transactions, they have failed to correct the XXXX transactions. Perhaps because they are expecting XXXX to act, which to this date, they have failed to even respond to my complaints. These XXXX transfers from my PNC Bank account I did not authorize from the beginning of XX/XX/XXXX until the end of XX/XX/XXXX, with a total of {$26000.00}. A detailed record of these transactions directly from PNC Bank statements is enclosed. My account information was never voluntarily shared with anyone and the use of my device was not voluntarily given to anyone. These transactions are in error because they were not authorized transactions. To the best of my knowledge, the fraudulent activity was made possible by and began after completing a device swap of my cell phone with an identical phone under my phone warranty program. At one point, these devices had all account details stored and I suspect some fraudulent interception transpired. I cant say for sure, and I have no way to prove who I think did it - but the bottom line is that these transactions were not done by me or authorized by me. In XXXX of XXXX I was forced to close my two retail stores at the onset of COVID by the town in which my original store had thrived for XXXX years. XXXX month later, despite the fact that I complied with their directive to close up shop, the town punished me with a one-year revocation of my business license for staying open. Another month passed and out of nowhere, my commercial landlord conducted an unlawful eviction of my business from the property. To this day we are still in litigation. Like many people, I lost my source of income, but in my particular case that was just the beginning of the end for me, my family, my legacy, and even just the basic dignity of human expression and American freedom. Its beyond words how it feels to go from $ XXXX in sales per month to being forcibly stripped of your lifes work and in less than a year find yourself homeless. Part of coping with all of that is I got to a point where I became accustomed to having nothing and fell out of the habit of staying on top of stuff. So when I received a large settlement from when I was hit by a car, I just deposited it all into my PNC account and didnt think much of it nor monitor it in any way that would alert me to the initial fraud that affected my bank account. I brought it to PNC Banks attention immediately when I did notice it, and I was given the impression by PNC Bank that they quickly investigated the matter and returned the stolen funds. I thought that put an end to the misuse of my money through my account. Because a new card was issued by PNC, my old one was canceled, I was assured by PNC Bank that they had thoroughly addressed the problem, and reopening my business was still months away ; it seemed like it was safe to just let my settlement money sit and continue living frugally. Within weeks, however, my PNC bank account was suddenly emptied of more than {$35000.00}, evidently through XXXX transfers transpiring after I thought the situation was resolved. Before reaching out to XXXX or PNC Bank, I sought out a solution with the merchants that processed the unreasonable volume of transactions but they would not refund the money. I then notified XXXX support directly and tried to initiate disputes but XXXX support refused to process the disputes unless I completed several steps ( XXXX ) for each transaction ( XXXX ) individually- which was cumbersome and unreasonable ( XXXX total actions, XXXX per transaction = XXXX hours ). I repeatedly asked for alternative ways to report the fraud through the XXXX system, a phone call, or even the postal service and I was unequivocally told by XXXX support that their dispute process of each transaction, one at a time in the app was the only way to notify them of the fraud and dispute the transactions. Obviously, this wasnt true. I believe the additional transactions related to XXXX have been improperly denied by PNCBank. Neither company has provided a provisional credit nor communicated to me that I needed to submit anything in writing regarding these XXXX transactions. From what I understand, PNC Bank and XXXX got together and have decided that the transactions were valid based on prior account activity. The possibility of similar prior transactions with the same or similar merchants does not constitute proof that these transactions were authorized - especially when said prior activity consists entirely of transactions PNC had already concluded were fraudulent in the original partial investigation of the first set of unauthorized transactions. If you look at my account history before the settlement, my spending habits were not at all reflective of what transpired during the period these transactions took place. Upon request, I can also provide the 5 years of business and personal accounts I maintained before I lost everything to COVID which will further prove my point. There appears to be a range of various violations by PNC Bank and XXXX of the The Electronic Fund Transfer Act ( EFTA ) and Regulation E after I had given both XXXX and PNC Bank timely notice of the fraud. PNC Bank seems to have taken XXXX stance about these transactions, while XXXX appears to have closed my XXXX account as some type of retaliation for getting PNC Bank involved. For these reasons, I am submitting my complaint to the Consumer Financial Protection Bureau. | ||||||
| 12/13/2021 | Yes |
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| Due to a malfunction with PNC bill pay ( the check never arrived ), my PNC credit card was unpaid. This alone is frustrating enough, but the inability to reach a person who can resolve this issue has cost me several hours of my time, and nearly my sanity. Here are the events in chronological order : XX/XX/XXXX The date that I scheduled the balance of my PNC credit card to be paid ( {$10000.00} ) through PNC online bill pay. XX/XX/XXXX I called PNC Credit card ( XXXX ), to find out why my payment had not yet arrived ( and to advise that now I had late fees and interest fees that I should not be held accountable for paying ). The representative advised that sometimes bill pay can take longer than expected, and that I should have transferred the funds directly online vs. doing it through bill pay ( which was good to know but didnt help to resolve the situation at hand ). I am very surprised that PNC generates paper checks and sends them by USPS from one PNC department to another ; this seems highly inefficient. Additionally, if transfers are the preferred method of payment, then the online banking system should have a notification to address this. The representative advised waiting a few more days for the check to arrive, and that the late fee and interest fee would both be waived once it arrived. XX/XX/XXXX I called PNC Credit card, to find out why my payment still hadnt arrived. After the representative gathered all of my information, the call was disconnected. XX/XX/XXXX I called PNC Credit card, to find out why my payment still hadnt arrived ( second call today ). After the representative gathered all of my information, and attempted to transfer me, the call was disconnected. XX/XX/XXXX I called PNC Credit card, to find out why my payment still hadnt arrived. The representative advised that they needed to wait at least a week, and that I should just wait until Tuesday ( XX/XX/XXXX ) and call back then. I then requested that SHE check in with me on Tuesday, to advise what had transpired and next steps, since I had already spent so much time dealing with this, and this issue was not my fault. She agreed and said she would reach out to me via email on Tuesday, XX/XX/XXXX, to advise of next steps. She said she would put in a request to remove both the late fee and the interest fee. She did not, however, warn me that my card would go into delinquency, causing issues with paying merchants, and other electronic payments I had scheduled, all of which would cost me even more time and hassle to unravel. XX/XX/XXXX I became aware, because my card was declined at a merchant, that my card was now in delinquency. This caused me an inconvenience to have to ask someone to provide data for another card to use to pay my bill and was embarrassing. I also had to go to a few different websites to enter alternative credit card information, since I had the card set up as the mehod of payment for a few accounts. Additionally, I received an email notification from XXXX that my credit score had decreased. This caused me great angst as my credit score is something I work very hard to protect. XX/XX/XXXX I called PNC Bank again. I dont have records of what transpired on this call, but there was no conversation or resolution. XX/XX/XXXX I attempted to call PNC Banking customer service ( XXXX ) to resolve the issue directly with bill pay, wondering if perhaps they could do something about it, since I had no luck with previous calls to the PNC credit card staff. I was on hold for more than 76 minutes, after which the call was picked up ( the hold music stopped ), but there was no voice on the other end of the line, and I attempted several times to get someone to answer me, until I just hung up. XX/XX/XXXX I called again to the PNC credit card number ( XXXX ) to try to resolve the issue, and I spoke with XXXX. XXXX advised me to do a transfer payment for the minimum amount due ( {$100.00} ) to get the credit card out of delinquency. None of the representatives I had spoken with previously had advised that I do this in order to prevent the card from becoming delinquent ( while I waited for the bill payment to arrive ). I did this transfer immediately, and the card was again usable. XXXX said she would file a complaint on my behalf, and shared information with me as to how to file my own. However, XXXX was unable to remove the late fee from my account and had to open a ticket to escalate for someone to investigate and address this item ( which I had already been promised ). XXXX said she would transfer me to the online bill pay department, in order to put a stop payment request on the check. When she hung up ( after transferring me ), I received a voicemail stating that there was no one to answer my call, and that I would need to call back within normal business hours. XX/XX/XXXX I called PNC credit card, spoke to someone to explain what had transpired ( again ) and requested that I be transferred to the online bill pay department, and that she ask them to waive the stop payment fee. When the representative hung up, the phone rang and rang ( no hold music ), but after 20+ minutes of constant ringing, no one answered. XX/XX/XXXX I called PNC credit card again, spoke to someone to explain what had transpired ( again ), and requested that I be transferred to the online bill pay department, and that she ask them to waive the stop payment fee. She connected me with XXXX from online banking, who was able to successfully place the stop payment on my check to PNC credit card ( the one due to arrive on XXXX ). XXXX was also able to waive the stop payment fee for me ( as was promised to me by XXXX XXXX. As of XX/XX/XXXX, reimbursement of the late fee of {$27.00} is still payment. This issue should never have happened in the first place, and definitely should not have cost me 10 phone calls and over 5 hours of my time ( on just one call, I was on hold for over an hour and then hung up on ). This is unacceptable. | ||||||
| 07/18/2022 | Yes |
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| Here are two e-mails that were sent to their CEO describing the complaints and follow-up issues : Sent on XX/XX/XXXX I have been PNCs customer since XX/XX/XXXX when my accounts got transferred from BBVA Compass . Since then, I experienced numerous problems with your customer service and most recently, have been locked out of my online banking account for more than two months with no resolution to this day. Two months ago, when talking to mortgage department, the representative did something on her end which got me signed out of my account and did not allow me back in. Since I did not have a phone number listed, she told me she was going to mail a PIN number via regular mail. I never received it. I spent 2.5 hours on the phone with PNC on Saturday to add two cell phone numbers to be able to reset my password. One phone ( that I used for 10 years ) was not recognized by your system as a valid number. I provided the second one and received a text from PNC on it. The code was provided back to your representative and it appeared that the number was added to my account, but since then, I am still unable to go through the password reset Online and keep getting a message Our records indicate you haven't registered a phone number to allow us to verify your identity when resetting your online access. Altogether, I spent close to 5 hours already trying to have this fixed. PNC has no right not to provide me with an access to my money, not see what is happening with my accounts, and be unable to view my mortgage activity. With respect to the mortgage, I had some additional issues. When my payments went up in XXXX, I contacted PNC and learned that escrow analysis done by BBVA compass prior to transfer never notified me about upcoming shortage and never provided me with options to either make a one-time payment or distribute it over 12 months, with interest. I paid the remained in full at that time and my statements went back down. Then again in XXXX I noticed another increase. When I contacted PNC, I was told it was another shortage due to insurance rate increase. However, PNC failed to notify me about it, did not provide me with an option to make one-time payment on time, and proceeded with distribution over 12 months without my consent. I made one time payment again and was told an escrow analysis will be completed and I will receive the results what the new payment would look like as well as get reimbursed for the amount I was wrongfully withheld because of the failure to notify me of shortage on time. Since I have been unable to access Online banking, I was unable to verify what was happening with my payments and if they were lowered after the payment. I also never received results of any escrow analysis. I expect both of these issues to be resolved immediately to allow me proper access to my accounts/money. I will not hesitate to take further actions against PNC if my access is not restored promptly. If your company has problems with verification via phone numbers, you should have an option for customers to use their registered e-mail instead as cell phones are unreliable ( can get lost/stolen, cell towers go down, etc. ). Sat, XX/XX/XXXX I am following up on my earlier complaint. It has been three months since I was deprived from my access to online banking, as I explained. I 1. As a customer, I have every right to have access to my account at any time. PNC failed to provide me with that while demonstrating the upmost incompetence and unfamiliarity with its own online banking system. I have heard numerous, inconsistent excuses ( no phone on file, no debit card, etc ) with no resolution as of today. Meanwhile, while for some reason PNC is unable to deliver PIN in regular mail, it has been spamming me with other letters, such as the attached three that arrived within one week ( dated with exact same date ). As I have not had access to my account for 3 months, whatever changes were implemented were occurring of someone elses unauthorized access. Back 3 months ago, when I noticed a strange phone number on my account, I told the customer service representative that it was an unknown number and I wanted an investigation into how it appeared in the first place to make sure there was no security breach. My request was ignored. Given repeated concerning signs in the last 3 months, I expect that within 10 days, PNC provides me with an electronic copy of the full access log that demonstrated dates/times of any access to my account along with IP address locations and entities. I also request an investigation into where the original questionable number that was removed 3 months ago appeared under my account. 2. When my account was transferred to PNC from BBVA compass, I was supposed to have access to the same banking features as I had at BBVA, including a debit card. However, PNC never provided me with one. I expect that it is mailed to me immediately. 3. Since my transfer, there have already been 3 incidents related to my escrow account, including : 1 ) increase in monthly payments due to BBVA/PNC failure to provide me with escrow analysis and a proper option to make an informed decision regarding one-time payment of the escrow shortage vs. distribution over 12 months ; 2 ) failure by PNC to notify me about another analysis and shortage due to insurance rate increase in XXXX ; and 3 ) failure by PNC to conduct another escrow analysis and properly reduce my monthly payment after I made a one-time payment in XXXX ( cant provide an exact date as have no access to see transactions ). As the result I continued to pay more. XXXX has investigated this and told me that the difference was going to be credited back to my escrow account, but I have no way of verifying it until my online banking access is restored. I would like written guarantee that in the future PNC will properly notify me of any shortages and will give me an opportunity to make these decisions, as I am entitled to as a customer. | ||||||
| 05/13/2018 | Yes |
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| XX/XX/XXXX, XX/XX/XXXX I have a serious complaint against PNC. Please consider my story. I am divorcing my wife. At this time it is necessary to get a full pulse on my financial health. I recently visited XXXX XXXX and was shocked : Over the course of our marriage, my wife has opened up dozens of credit cards in my name, without my knowledge. The worst of which - XXXX XXXX XXXX XXXXS. Please see the attached screenshot I took. My wife secretly opened the card in my name over two years ago, and in that time, PNC also allowed her to run up the balance to nearly {$13000.00}. Note that the card was opened on XX/XX/XXXX. Let me be perfectly clear : I have never opened a credit card in my life. After confronting my wife, she admitted to using my personal information, without my knowledge, to open this account. It took PNC some time to direct me to someone for help. I first spoke to a fraud agent on XX/XX/XXXX. She was polite and ready to help me any way she could. I was upset, but she was trying to help, and she let me get my story across. I told her I needed the statements from the time my wife opened the account up to today. She immediately obliged and sent an email with an attachment containing the statements and a fraud kit, I think she said. The trouble was, I was unable to open the zipped attachment to see the contents. I called PNC again later that day, or early the next day. I eventually got to the fraud department, but was still unsure who I was talking to. I didn't know if I was talking to someone in customer service in general, or the fraud department. I was told that an agent my case. I was unaware a case had even been opened up. Poor communication on the part of PNC. I followed up with the agent several times, but received only a voicemail ; I left several messages, but got no return call. This went on for a few days. Again, I didn't know I had been assigned to the fraud team. I eventually found their number. Instead of hearing from the agent assigned, I was left a message by someone else from the fraud team, and I ended up playing phone tag with her for a few additional days. I had provided my work and my cell number ; however, I was not contacted at work, and at the end of each day, I only had a message from the fraud team. I was not being helped in a swift manner ; at this point I was not being helped at all. Long story short, I was left waiting for far too long. I was given no details about my case, and PNC did not make clear the process they had started. As I said, I didn't know I had been assigned someone from fraud until days after I had first called PNC. All the information I had to that point was from XXXX XXXX ; nothing from PNC. I didn't even know the last four digits of the card number. A card that I never opened. As I said, my wife had opened it using my personal information, and she hid the mailed statements from me. This is an absurd situation, and PNC is a part of it. I did not open an online PNC account, nor did I apply for a credit card. And yet here is my name associated with the card. So while I'm waiting, the late fee and interest was intact, and I was billed still. This has taken a severe toll on my emotional and financial health. What about PNC 's best practices? Do you even practice ethical, sound business practices? I was violated. Am I to understand that PNC prides themselves on protecting customers? If so, how was I victimized? I'm not even a customer. I didn't open the card, and I am not the card holder. So why is my name on the card, and why is this seriously affecting my credit score? I've held a joint checking account at PNC with my wife for at least ten years ; that checking account is now closed. I did so for my own protection, but also because of what PNC did to me. Eventually someone in Retail Escalations spoke with me and hinted that if my wife had been paying using our joint checking account, even if I didn't know about it, the fraud team would probably not rule in my favor. I was so tired of waiting on PNC I just gave in. I even wrote them a letter and thanked them for their honesty ; I wish now I had not. In working with other credit card companies, I've come to understand PNC 's practices and investigations were not the same nor sound, and that in at least one case, XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX confirmed that the account my wife opened up with them was fraudulent. And yet with PNC, they continue to victimize the victim. My divorce lawyer advised me that since my wife admitted to fraudulently opening up the card, with my name associated with it, to not call the police. He advised me to request the statements from when my wife opened up the account over two years ago, up to today ( as I mentioned earlier ), and to contact PNC and pay the monthly amount. He advised me to present him with all of this up until the divorce, in hope that my wife will rightly be responsible for the {$13000.00} balance. In the meantime, I'm doing as instructed, and it is the ethical thing. The right thing. What does PNC plan to do? How do they plan to do right by me? I was victimized, and PNC 's poor practices allowed this. They made it easy. So with late fees and interest, the next payment due was {$1500.00}. How was I supposed to pay that when I just found out about the card a few weeks prior? As you may see from the XXXX XXXX data, my wife had been making sporadic payments, and my credit and debt, totally unbeknownst to me, was getting worse. I had to call PNC and make a deal with them to get on a 'hardship ' payment plan. I've never had to do anything like that in my life, and it was humiliating. As I mentioned, there are dozens of cards my wife opened over the years, without my knowledge. I am paying XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. All cards I didn't open, and didn't know about. How am I to protect myself when my wife is hiding the statements from me? How is she allowed to go online and along with PNC, make me a victim? | ||||||
| 08/25/2020 | Yes |
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| On or about XX/XX/XXXX, I learned from my XXXX score monitoring service that my XXXX credit report was showing a missed payment on my PNC Bank Cash Rewards Credit Card account. Given that I've had this account on autopay since early XXXX, this struck me as odd so I logged in to investigate. Sure enough, a payment of my {$11.00} XXXX bill that was supposed to have been made automatically in XXXX had not in fact been made as scheduled. ( At this point, I made the payment immediately to prevent any further damage to my score, which had already dropped approximately 75 points due to this single issue ). As this was the first time in my entire life ( ~12+ years of flawless credit history with thousands of on-time payments across more than 20 credit, auto, and mortgage accounts ) that any of my accounts had ever shown a late payment, I was, I think pretty understandably, dismayed by this unexpected news. My first call was to PNC to resolve what I assumed would be a routine complaint for them. Surely I'm not the first person to be unintentionally victimized by a faulty algorithm in a bank 's payment or reporting processes. But to my surprise and consternation, my initial polite request was met with denial and resistance. After telling my story to I think 3 different people over the course of about an hour, I was finally told by someone in their credit card customer service department that there was nothing they could do to help me and that I would have to take it up with XXXX. I found this unsatisfactory, but I followed their suggestion and filed a dispute with XXXX, which my email history confirms was officially opened on XX/XX/XXXX. Following XXXX XXXX review of the pertinent information, the dispute was resolved in my favor and my XXXX credit history and file were corrected to show all payments made on time for my PNC account. I considered the matter closed at this time, and didn't think about it at all for the next several weeks. Alas, a happy ending was not in the cards, as I was once again greeted by a missed payment notification, this time from XXXX XXXX, on or about XX/XX/XXXX. This time, the problem was showing up on both my XXXX and XXXX reports. It is unclear to me why PNC 's reporting to these other 2 bureaus would be delayed by roughly 2 months compared to their reporting to XXXX, but once again my first call was to PNC to again request their assistance in resolving this matter. Surely, I thought, with the XXXX dispute resolution in my favor to bolster my case and substantiate their error, this time would be different. But of course I was wrong. My pleas for assistance were once again met with denial and indifference. I was told, by several representatives across different lines of business, that my issue was mine and mine alone, that I would have to take it up with the bureaus, and that PNC had no ability to proactively correct their reporting of my payment history to either bureau. At this point, I felt it necessary to escalate my complaint, and so I requested to be put in touch with their executive customer dispute resolution team. On the bright side, I did receive a call later that afternoon from someone at PNC who offered to look more closely into my issue, but ( spoiler alert ) this slightly heightened level of presumably feigned concern would ultimately lead to the exact same outcome as before. Following this person 's approximately 3-week long review of my case, I was told on I believe XX/XX/XXXX, for the third time and in no uncertain terms, that this was my problem and mine alone. PNC could not and would not help, and I would have to take it up with the bureaus if I wanted to achieve any sort of resolution. I was also told, in direct contradiction of my own experience and of the information reported sequentially to all 3 credit bureaus, that PNC had no record of any missed payment on any of my accounts. ( I found this puzzling and am still not sure why they changed their story, after my previous conversations with their representatives had clearly reflected an understanding on their part that the interest charges on my account and the information reported to the bureaus did indeed reflect a missed/late payment. Why would they all of a sudden act like there was never any issue in the first place, when they had repeatedly acknowledged the issue previously? ) My patience exhausted, I pulled the last remaining arrow from my quiver and threatened the prompt filing of complaints with the XXXX and CFPB, the sending of strongly worded letters to my congresspeople and senators, and the last-resort possibility of pursuing litigation to force them to reckon with their disgusting indifference to their customers ' very real and valid concerns. Even this could not sway them to action. I was instead given the number for an individual who was supposedly even higher up on the customer service food chain, and instructed to leave a voicemail for this person. Well, I called the number, and I left the voicemail, and I haven't heard back since. After another roughly 3 weeks of waiting patiently for this person and/or their team to ride to my rescue and stave off what is sure to be a headache-inducing flurry of complaints and correspondence to the various agencies and individuals outlined above, I have resigned myself to the reality that they are simply not interested in providing any type of assistance whatsoever. I guess they probably hoped I would get tired/bored/frustrated enough with their callousness that I would just go away. Unfortunately for them, I'm a persistent XXXX and I will not stand for shoddy, careless treatment of customers by financial institutions, especially when that customer is me. So today I am making good on my threat to initiate formal complaints via all available regulatory and legislative channels. Any assistance you may be able to offer in effecting a swift resolution to this matter would be greatly appreciated. Thank you for your time. | ||||||
| 07/26/2022 | Yes |
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| I have XXXX incidents to report : I bank with PNC. I wrote a check to a contractor for some work on my basement on Monday evening of last week for XXXX. At the time I wrote the check, I had approximately XXXX in my bank account. By Tuesday, the money left my account, bringing my account balance down to approximately XXXX. I was able to click on the XXXX line item check and visualize the check I wrote to the contractor for XXXX. One day later, on Wednesday evening, I received an angry call and text from the contractor stating that the money was no longer in his account, and demanding that I pay him in cash. I told him that the money had absolutely left my account, sent him screen shots of my bank account balance ledger and the screenshot of the check I was able to click on, made out to him, that I could see had cleared from my account. Even though we believed we had paid the contractor and it was out of our hands, we went to our bank the next day to try to investigate further. Our branch office at PNC again advised us that they had honored the check, the funds had been withdrawn and they were confident that we had paid the funds via our check. My husband conveyed this information to the contractor who agreed to wait another day for the situation to resolve and the funds to be available in his account. Friday morning we began receiving texts early in the morning from the contractor stating that the money was not in his account, and screen shots of the money being " uncredited '' somehow from his account at XXXX XXXX XXXX. The contractor demanded that we meet him at XXXX am at our bank to resolve the situation of owing him the money. We told him we had jobs, but we would try to get off early and meet him at our bank to show him our account and speak with our banker at our branch office. I called my branch office on my lunch break, explained the situation and requested that they investigate, again, related to the issues. I was told by the branch manager that they really couldn't investigate anything through XXXX XXXX XXXX without the permission of the XXXX XXXX XXXX customer, so there wasn't anything more they could do on their end. I told her fine, that myself, my husband, and the contractor who banks with XXXX XXXX XXXX would all meet at PNC at XXXX. We all met at the PNC XXXX branch at XXXX on Friday the XXXX, and our contractor called someone from XXXX XXXX XXXX XXXX the phone representative stated that the check amount of XXXX had been withdrawn from the contractor 's account due to insufficient funds. The PNC manager from our bank then told the XXXX XXXX XXXX representative that this did not make any sense, that the XXXX was gone from our account, and it had not been returned even on a pending basis, and that there was approximately six times the amount of the check available in the account and there had been this amount available on the night the check was written, and indeed, has been there for many months. The XXXX XXXX XXXX representative said they didn't know about any of that, that the insufficient funds flag had come from PNC, and that PNC was responsible somehow for now processing the money back to our account, but that PNC could file a claim for the missing money if there was an issue, and that was all XXXX XXXX XXXX could offer any of us as a resolution to the missing XXXX. We asked the PNC branch manager to file a claim, and she stated it was too soon to file a claim for the missing money. We told her that the money had been gone from our account for at least four days, and according to the contractor, had been gone from his account as well for about three days, but it was a Friday evening and we were all essentially told to wait the weekend and hope for the best. THe contractor has told us that even though the money is gone from our account, that it " doesn't count '' as paying him, since he doesn't have the money in his account and he is going to sue us unless we pay him soon and that our contract stated that we would pay his legal fees if he has to sue us for the money. Today is Tuesday and there is no pending return of XXXX to my account, the money has now been missing and in " bank limbo '' for over a week. When I emailed my branch manager at PNC about this again today, I was told they believe it is an error on the part of XXXX XXXX XXXX and do not yet have a resolution for me. Both the banks are blaming each other, my contractor is threatening to sue me, and so far no one can explain where the XXXX went or how to get it back to either myself, or the party it was intended to pay. On top of this there is a second incident, I received a past due bill from XXXX for my internet. Normally, I would just assume I forgot to pay, but in light of recent issues, I called XXXX and asked if there was a way they could see if the check for XXXX payment had never arrived, or if it had arrived and there was a problem. Spectrum representative looked and said, no, a check had been received and returned for XXXX payment. At that time there had been approximately XXXX in my account. When I contacted PNC again to tell them about this issue, and its possible relationship to the missing XXXX, I was told Spectrum was wrong, the check was paid out, there was no connection, end of story. Basically, PNC is telling me that I should continue to trust them with my money, despite multiple checks not clearing with plenty of money in my account, and any threats from contractors or interuption to my utility services based on not receiving payment from PNC are not PNCs direct problem. A friend of mine has a long history in the banking world and is a VP at a different mortgage bank. After describing what happened he said he believes it is most likely a clearing house issue with the " sweep '' and gave me the information for this website. Are you able to assist me? I am very worried about the security of my finances! | ||||||
| 11/29/2021 | Yes |
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| Dear Sir or Madam, XXXX. BBVA USA Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 60 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with BBVA USA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 05/14/2021 | Yes |
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| My biggest concern is that PNC Banks, XXXX, VA branch did not complete a credit fraud investigation on my behalf when I reported {$3700.00} in credit fraud to PNC in person and " in a written statement '' to branch manager XXXX XXXX ( XXXX ) on XX/XX/XXXX. After this, PNC told me that they would investigate these fraud charges and attempt to recover my money. I have not seen any evidence that PNC called, emailed, or made any attempts to contact these companies. PNC has not protected me as a consumer, and I would like to escalate these concerns. My check card which represents our non-profit organization XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that provides clothes to the XXXX in D.C. All of the fraud charges were made to international ( not US ) athletic companies that organize marathons and running races and have nothing to do with our work of serving the XXXX. A quick review of our purchase history for the past 3 years will show that we ONLY buy winter coats, hats, gloves, and toiletries / food for the XXXX. I and my non-profit organization XXXX XXXX did not authorize any of these purchases. My card is still in my possession and I never gave my card to any family members or friends who could have made these purchases ( not friendly / family fraud ). Furthermore I have no evidence that PNC even reviewed my claims ( no evidence of searching ( Timestamps, geolocation, IP addresses, or previous purchase history which easily proves that these purchases do not align with the IRS guidelines for our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that serves the XXXX ). I have also filed a police report of all these disputes with the XXXX County Police Department to further establish the legitimacy of these disputes. Ms. XXXX from PNC corporate office ( XXXX ) has been calling me each week with no further evidence of any actions on PNC to escalate my concerns or research my claims. All they keep saying is that the purchases were made outside of the 60 day time period- which is not true. 90 % of the charges were all made within the dates ( XX/XX/XXXX and XX/XX/XXXX ) which is within the 60 day timeline of when I submitted the claim in writing to PNC Branch Manager XXXX XXXX. I am hoping that the Consumer Financial Protection Bureau can help to protect our fundraising money that was scheduled to purchase 100 winter coats, hats, gloves, and toiletry kits for the XXXX this next winter of XXXX. Help please ... ( I understand there are a few isolated charges outside of the 60 days ), but almost all of the purchases below were within the 60 day timeline as shown in my notes ... I have also reached out to the following organizations on my own since PNC failed to advocate on my behalf, but nothing has been resolved ( someone or these companies have charged thousands of dollars without my authorization ) ... 1. XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX ) -Fraud Charge made on XX/XX/XXXX( amount {$31.00} ) -I understand that this charge was made outside of the 60 days and is not protected. 2. XXXX XXXX XXXX ( XXXX : /XXXX ) -12 fraud check charges made totaling {$270.00} between the dates of XX/XX/XXXX XX/XX/XXXX : Details- ( XX/XX/XXXX {$43.00} ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} onXX/XX/XXXX) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$79.00} on XX/XX/XXXX ) + ( {$68.00} on XX/XX/XXXX ) + ( {$44.00} on XX/XX/XXXX) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX) = {$270.00} 60 Day Timeline : {$200.00} of these credit fraud charges were made between XX/XX/XXXX and XX/XX/XXXX and should be protected because I reported this to PNC on XX/XX/XXXX. The fact that I as a personal consumer missed a few small charges on 3 dates (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) does not void my protections betweenXX/XX/XXXX XX/XX/XXXX. 3. XXXX ( XXXX XXXX XXXX ) -12 Fraud Check Card Charges totaling {$2200.00} made between the dates ofXX/XX/XXXX XX/XX/XXXX : Details : ( {$110.00} on XX/XX/XXXX ) + ( {$100.00} on XX/XX/XXXX ) + ( {$100.00} on XX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX) + ( {$200.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX ) + ( {$210.00} onXX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} onXX/XX/XXXX ) 60 Day Timeline : {$2100.00} of these charges were made between XX/XX/XXXX andXX/XX/XXXX and should be fully protected as part of my consumer protections since I reported these fraud charges to PNC on XX/XX/XXXX. The mere fact that I missed 1 fraud charge onXX/XX/XXXX does not void my protections between XX/XX/XXXX and XX/XX/XXXX. 4. XXXX XXXX ( XXXX XXXX XXXX ) -14 total charges between XX/XX/XXXX and 3/2/21 totaling= {$1000.00} ( please note that 12 of the 14 charges occurred onXX/XX/XXXX ) ( {$44.00} ONXX/XX/XXXX) + ( {$44.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ONXX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ONXX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ONXX/XX/XXXX ) 60 Day Timeline- The purchases made betweenXX/XX/XXXX and XX/XX/XXXX total {$950.00} ( 12 of the 14 transactions shown above. The fact that I as a consumer missed the first two fraud charges onXX/XX/XXXX andXX/XX/XXXX does not void my protections betweenXX/XX/XXXX XX/XX/XXXX since I reported these fraud charges to PNC on XX/XX/XXXX. 5. XXXX ( XXXX XXXX XXXX ) -1 charge for {$120.00} on XX/XX/XXXX- Notes- I could not find any other charges from this organization, but if there are any other charges from this organization they too are fraudulent. 60 Day Timeline- this purchase should be refunded- definitely within 60 days of XX/XX/XXXX and was reported to PNC on XX/XX/XXXX | ||||||
| 08/14/2023 | Yes |
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| To Whom It May Concern : This is the second complaint that I am filing against PNC Bank for either applying Bait and Switch tactics or pure negligence at the point of loan origination in overseeing a cash out refinance application and failing to give my father and me a clear reason of denial of a conventional loan. The original complaint was submitted on XX/XX/XXXX and the complaint number ID is XXXX. The response to this complaint was from XXXX XXXX, PNCs Bank Officer, Executive Client Relations. She failed to fully answer my request and she also claimed there was no bank error or bait and switch tactics. She only addressed XXXX XXXX XXXX XXXX for a cash out refinance and did not address the guidelines for a conventional loan. We were denied both. I have been a customer of PNC Bank since XXXX and demand an answer why XXXX ) A loan that PNC Bank could not service went to underwriting in the first place for a cash out refinance and XXXX ) Why my father and I were ALSO denied a conventional loan. On XX/XX/XXXX, I spoke to PNCs Senior Mortgage Loan Officer, XXXX XXXX XXXX XXXX # XXXX, in the Home Lending Center. I informed him that I was on title and NOT the mortgage for a rental property at XXXX XXXX XXXX in XXXX, NC, and my partner was allowing me to buy her out at an agreed price to take over ownership of the property. I only had 50 days to complete the transaction and my lawyer had me transmit the necessary document to XXXX XXXX to make sure this happen within the 50 day time frame ( see attached Offer to Purchase and Contract Attachment XXXX and email correspondence submitted to XXXX XXXX on XX/XX/XXXX Attachment XXXX ). XXXX XXXX was aware that it was a rental property, and that I was not living in the property, but he advised me to do a cash out refinance anyway and not pursue a conventional loan. In his email to me on XX/XX/XXXX ( see attached file Attachment XXXX ), he wrote that I did not need the purchase and contract agreement that I sent him. His written response was, If you are on title this is a refinance so no need of a purchase agreement. In the previous complaint, all the documentation was transmitted to XXXX XXXX to show that we followed the necessary steps that XXXX XXXX advised my father and me to do. When the loan application went to underwriting, however, XXXX XXXX apparently did not do his due diligence before submitting our loan application for the cash out refinance. According to XXXX XXXX, in order to be approved for a cash out refinance of a rental property, my father and I had be living in the property for the most recent XXXXmonth period. THIS WAS THE FIRST BANK ERROR! Our loan application including XXXX credit checks and an appraisal should not have been completed if the bank could not service this type of loan with no explanation why. We were then advised by XXXX XXXX to move forward and purchase the property and take out a conventional loan, so in the interest of time we then applied for a conventional loan. We met all the financial requirements to purchase the property and were prepared to give a XXXX percent down payment when the Senior Loan Officer, XXXX XXXX, informed XXXX after being preapproved that we would not qualify for a conventional loan from PNC Bank either. He could not give a reason why, because he didnt understand the reason himself. XXXX XXXX then advised me to pursue an unconventional loan and was going to give me some names of companies to contact, because he said no conventional lender would be able to approve a loan according to the XXXX XXXX XXXXXXXX XXXX XXXX He never gave me names of companies to contact. I then consulted with XXXX and XXXX XXXX loan representatives, because I felt PNC Bank dropped the ball on my loan applications. Both banks believe PNC Bank mishandled the loan application, which ultimately prevented me from keeping my rental property. After further research it was discovered that XXXX XXXX XXXX XXXX only require living in an investment property for XXXX year if the borrower could not make a 25 % down payment to purchase the property and that was not the case for my father and me. THIS LOAN PROCESS WAS MISHANDLED AND PNC BANK IS RESPONSIBLE FOR THIS BANK ERROR! Please see my last XXXX email communication to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX Attachments XXXX and XXXX. There was no response from XXXX XXXX to either email. If PNC claims there was no indication of Bait and Switch tactics, then it is clearly a bank error at the point of loan origination. PNC Banks lack of follow through, however, appears to deem the bank culpable of one of these circumstances -- - either way it is a negligent act on the behalf of PNC Bank. PNC Banks negligence lead to the loss of my rental property. This loss has affected my livelihood with the loss of rental income and future financial appreciation for my retirement years. The loan officer made a very serious mistake at the point of origination for a cash out refinance and he could not give a clear explanation for the denial of a conventional loan. PNCs Client Relations Representative clearly skirted the issue in response to my last complaint to the Consumer Financial Protection Bureau. Due to the negligent actions of the PNC Bank representatives, I am demanding {$220000.00} in damages. If damages are not received and I need to pursue legal action, this nominal amount will be much higher. Representatives at the Consumer Financial Protection Bureau advised me to file another complaint with their department and contact my states Attorney Generals office and Bank Regulators as well as take legal action. I also plan to file a complaint with the Small Business Administration and the U.S Department of Treasury. Finally, if damages are not granted, I plan to have an attorney investigate PNC Banks possible violation of the Consumer Fraud and Deceptive Business Practices Act. Sincerely, XXXX XXXX | ||||||
| 04/03/2018 | Yes |
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| This complaint is in connection with an ongoing issue dealing with PNC Bank..The original complaint was filed in XX/XX/XXXX and is part of my CFPB profile and there was no resolution reached because the bank wanted to blame the merchant and the problem was not with the merchant, the problem was the banks fault. PNC Bank took it upon themselves to break the law and allow a debit card transaction to be made on an account that didnt have any overdraft protection meaning that there was not supposed to be a charge even made if it was insufficient funds in the account which was the case. But because I have two accounts with PNC and one of the accounts had funds in it, PNC took it upon themselves to allow the charge to come through and labeled it as a " recurring '' charge and mysteriously when I contact the bank about this problem in XX/XX/XXXX nobody at the bank could explain why the charge was allowed to come through and nobody knew who labeled it as a recurring charge. I got absolutely no clear answers and was only told that they would investigate. Any legal expert would see this as out right fraud and it is at my expense. Because since then the merchant that PNC Bank allowed the charge to come through for has not charged my account in any month since which proves that it was not a month-to-month charge and it was not recurring ... PNC Bank decided in their favor to allow the charge to come through and Justified it by labeling it as a month to month recurring charge which gives them the option of charging an overdraft fee, which is their obvious goal.. No bank has a right to break federal laws to justify overdraft charges and since all bank accounts that are opened in the United States have a default of opting out of overdraft protection, banks are using every underhanded tactic that they can find to justify overdraft charges, so it really doesn't matter if you opt in or out because the banks are going to do what they want to do in their favor 2 make money, and in my words rip off consumers. The " recurring '' charge was just a pathetic reason to charge my account for an overdraft fee and my mother 's account has been charged similarly and continuously overdrafted for anything that the bank deems necessary to charge an overdraft fee for. PNC Bank is Shameless and uncouth in its outright unethical practices of ripping consumers off.. Recently, PNC Bank concluded their investigation of the complaint that I originally filed in XX/XX/XXXX.. As of today XX/XX/XXXX, I was checking my bank account and not only did PNC remove the " provisional credit '' and charged me back for the original amount that was illegally allowed to be charged to my account but they also charged all of the overdraft fees back to my account.. I have advised the PNC representative that I talked to this afternoon that I will not be paying those fees ... The reason i was given for the denial in my complaint is PNC said that I did not complete the questionnaire for the charge that came through that was against the merchant. I advised them from day one that the merchant was not the issue, the issue was PNC allowing a charge to come through when it shouldn't have come through. It wasn't the first time that XXXX attempted to debit my account when it had insufficient funds and I always got a bill in the mail from XXXX because my debit card could not be charged and I paid the bill with another credit card.. But on this particular occasion, PNC decided they would allow to charge to come through and an overdraft fee was incurred because of that. It was obvious that someone had to manually allow this charge and label it as " recurring '' since the same thing had happened many times in the past with my XXXX account but the difference before was that the bank never honored the charge if the account had insufficient funds and this time they allowed it and labeled it as a recurring charge..And during my original complaint in XX/XX/XXXX, PNC Bank continued to allow a continuous overdraft fee to be charged to my account every single day. PNC Bank is just like most other banks, they are not concerned with consumers Financial well-being, they are concerned with making as much money as possible from consumers with these bogus fees which in my opinion is theft but they have it written up as a fee because this is how they make these billions of dollars that they are accustomed to bringing in every month. So I will be changing my Banks and I won't advise anyone to deal with PNC Bank because their practices are unethical, especially with the way they have treated my mom 's account and now mine..Just like XXXX XXXX XXXX illegally charged my mom overdraft fees and ultimately was forced to reverse every one of them after my mom complained thru CFPB, I believe PNC does the exact same thing ... I believe PNC and pretty much every other bank exploits and takes advantage of senior citizens because my mom is a senior and she has overdraft charges regularly from PNC Bank just as ahe did with XXXX XXXX XXXX which was found to be fraudulent in theor overdraft charges against my mom. And with PNC its even worse because she's always charged a continuous overdraft fee starting with the first day that her account becomea negative. With most other checking accounts, it was 5 days later that the continuous overdraft fee starts.. But in my mom 's case continuous OD fee starts with day one ... What they are concerned with is making as much money off of these accounts as possible. And it's pathetic.more people needs to read this and other complaints about these Ungodly banks and their unethical practices of making money ... I think it's also worth mentioning that if I didnt live with my mother to help her with financial obligations, she'd be in a world of trouble due to PNC Bank continuing to overdraft her account which is also opted out of Overdraft protection ... .GO Figure ... | ||||||
| 07/23/2019 | Yes |
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| In XX/XX/2019, I first became aware of significant unauthorized access and transactions on several of my financial accounts. I had been XXXX for several months and was unable to directly manage or protect my personal information, financial information, and personal affairs. My mother was acting on my behalf with a fully executed Power of Attorney. My mother filed a dispute for numerous unauthorized transactions to my XXXX XXXX XXXX Visa Debit Card ( issued by PNC Bank ) with XXXX XXXX XXXX through XXXX XXXX, the " partner bank '' that administers XXXX XXXX XXXX accounts. It was my XXXX XXXX XXXX account that had been compromised through unauthorized use of my debit card and my mother was directed by XXXX to file a dispute claim directly with XXXX XXXX. The dispute was for numerous transactions which were obviously unauthorized and not made by me as I had no ability to perform transactions during the time period in question, which was from XX/XX/2019 to XX/XX/2019. I did not become able to directly manage my own affairs until XX/XX/2019. In early XX/XX/XXXX, my mother filed a dispute with XXXX XXXX over the phone on my behalf, explaining that the transactions were fraudulent and the result of Identity Theft, home burglary, and extensive thefts of a great deal of my personal effects and property, including my vehicle, my cell phone and computers, my wallet, personal papers, mail, and numerous other personal items. A couple of weeks later, my mother received a letter from XXXX XXXX dba XXXX XXXX XXXX which was dated XX/XX/2019, and stated that the dispute claim had been denied based on the investigation result being that the transactions had been found to be authorized, which is absolutely not true. The letter did not offer any explanation as to how the investigation came to this determination or what information was used to ( erroneously ) support such a determination. About a week after receiving the denial of claim letter, we sent a handwritten letter requesting reconsideration based on the adamant assertion that none of the disputed transactions were in any way authorized and that the perpetrator of the thefts and identity theft crimes against me was not acting with my knowledge or consent. This letter was sent by mail to XXXX XXXX dba XXXX XXXX XXXX to a XXXX, Delaware address. XXXX XXXX/XXXX XXXX XXXX never acknowledged receipt of this letter nor was a response ever received. When I was able to personally and directly manage my affairs again beginning XX/XX/2019, I contacted XXXX XXXX/XXXX XXXX XXXX by phone and inquired about the letter we had sent. I was told they had no record of having received the letter. I explained the situation and the issues that we had been having, and after numerous phone calls over the next couple of weeks, was finally told to submit an Appeal addressed to the same address as the previous unacknowledged letter, but was given the option to fax my documentation instead. On XX/XX/2019, after conducting my own independent and extensive review, audit, and investigation into all of my personal accounts with regard to the crimes that had taken place against me while I was XXXX, I faxed to XXXX XXXX/XXXX XXXX XXXX a detailed written narrative, along with copies of reports of Identity Theft that had been filed with the FTC, property and financial information theft that had been filed with local police, information related to the suspect and his presumed accomplices, and an itemized list of all unauthorized and fraudulent transactions that had been made against my XXXX XXXX XXXX account without my express or implied knowledge or consent. I received a confirmation that the fax had successfully and completely transmitted to the given fax number. The next day, I contacted Card Services customer service to confirm their receipt of the fax, and was told that it had been received and would be reviewed soon. It has been over three weeks and I have not received any communications from Card Services regarding this appeal. I have contacted Card Services customer services on numerous occasions since faxing this very comprehensive information and documentation, and have not been able to receive any definitive responses regarding the status of this issue. Every time I contact the only number I have for Card Services, I reach a customer service representative who tells me that the Fraud Department is handling the matter and that there is no resolution as of yet. The representatives with whom I have spoken on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each have told me that they can not connect me to the Fraud Department, that there is no direct number to reach the Fraud Department, and even they are unable to reach the Fraud Department except by email. On each of those dates, the representatives with whom I spoke each told me that they would send an email to the Fraud Department requesting that someone in that department reach out to me right away, same day, to discuss my appeal, the current status, the expected date of resolution, and what is causing the excessive delays. I have NEVER received a call from the Fraud Department. It has been well over two weeks since I submitted my appeal, and it has been over three months since this entire nightmare began. I want an immediate resolution to this matter, and I want my stolen money returned without further delay. My car has now been repossessed because of my inability to pay my obligations due to XXXX/XXXX XXXX XXXX engaging in bad faith, unethical and deceptive trade practices. I have also contacted Visa regarding these companies violation of the card issuer rules they agreed to abide by with regard to issuance and administration of Visa-logo debit and credit cards, specifically, the requirement to provide reimbursement for unauthorized transactions within 5 days of receiving a consumer dispute claim. | ||||||
| 08/22/2018 | Yes |
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| I was effected by Hurricane Harvey in XX/XX/XXXX because of this and the damage and repairs needed to my home I needed to do a home modification. PNC worked with me and helped me do a modification. After getting the necessary paperwork my 3 trial payments were XXXX, XXXX and XXXX of XXXX which I made all on time. I kept in consent communication with my assigned lost mitigation person XXXX on a regular basis. It was very important to me that I followed all instructions she gave me. I did receive my loan documents in XX/XX/XXXX that needed to be signed and returned by XX/XX/XXXX, which I did. The documents said first payment was XX/XX/XXXX but I didn't even have the paperwork on XXXX or have it returned. I was told by PNC that my first payment would be due XX/XX/XXXX not XX/XX/XXXX. I received statements I was told to ignore so I did I just went by what I was told by PNC. On XX/XX/XXXX I called XXXX to make my first payment. XXXX was not available she had told me once if I needed to make a payment push zero and talk to someone else don't wait for her ( she didn't want it to be late by me waiting ) so on that day I spoke to someone else. The informed me that the first payment was due by certified funds - I was in such panic I didn't want it to be several days late. I was told not to worry go head get certified funds and get them mailed. ( Now I have learned that it did not need to be certified funds - so that cost me {$25.00} extra dollars I had to get two cashier checks and then 2 day mail since I mailed Friday they would get it Monday ) but when I spoke to her we talked about it being my first payment and it being due on XX/XX/XXXX - she never said oh wait you are already late it was due in XXXX - never was that said to me The whole month of XXXX I never received a call saying I was late - nothing - So Now I have paid what I thought was my first payment by certified funds - I think everything is good my next payment is due XXXX - this is what I am thinking I get a statement summary that says I owe over {$4200.00} on XXXX - for fees and a late payment .. so I called today because I was confused why so much would be due - the reason I did the modification was because I could not pay that much at one time but now I needed to. I called XXXX and she told me to ignore this statement now that the modification was done it would update putting fees in loan that my next payment was due XX/XX/XXXX XXXX - I asked her why it was saying I had a late payment - she did not know but she would check. She contacted her manager and got back to me and said they still did not know it was very confusing - she had to contact the closing officer - while we were talking the closing officer got back to her and said yes the first payment was due XX/XX/XXXX not XX/XX/XXXX - Now I am a month behind and didn't even know it and I have to pay 2 payment by XX/XX/XXXX or I am going to get in same situation that I was in ... getting behind on my payments This is so WRONG How can they tell me one thing on the phone and then it really be something else? XXXX told me that she just found out the rules changed and she just found out. She was pretty upset about it - she stated it wasn't fair that they as PNC representatives tell clients one thing and the rule change no one notifies them and then this happens. She did explain sometimes rules policy change - and I get that - but like I told her my husband is a police officer and in XXXX when the laws change they have training on it before the change - not after. But PNC doesn't do training on the new rules- they just give people the wrong information. I was given the wrong information and today XX/XX/XXXX is the first time I am told the right information - but I am already a month behind. Its like they did the modification but they wanted be to get behind again so they could foreclose. If I hadn't called in so much to make sure I was doing everything correctly - I can see this happening if I had not called in XXXX about my payment - at that time I was given wrong information - to send certified funds, my first payment due XXXX I didn't even have my paperwork or had a chance to review it by XX/XX/XXXX -when my they now say my first payment was due - If you didn't have the paperwork - have the paperwork signed, have the paperwork returned by the due date - and you had been told first payment due XX/XX/XXXX - Thats what you think first payment due XX/XX/XXXX I can not - CAN NOT - pay 2 payments in XXXX - I am not getting in same situation because I was given wrong information by my POC and other employees of PNC XXXX I am not paying these late fees This is wrong My POA XXXX is very upset about not being informed of the change - she did a complete for me at PNC she said a manager would contact me about this issue and it would stay open until it was settled - hopefully PNC will fix this. I also wanted to file a complaint before it got to far along and I get more late fees or further behind. I can make my XXXX payment but I can not make 2 and I shouldn't have to make two. This may not be an issue of concern for PNC and the complaint XXXX filed internally and told me it would remain open until it is addressed. I want to make sure it is addressed before the XXXX when my next payment should be due - not 2 payments I can not and do not want to get behind again and its not right that I am because the instructions I received from PNC and by the time I got my paperwork in XXXX the payment would have already been late - how can they expect a payment when I don't have the paperwork and was told to pay in XXXX Thank you for your attention with this matter I just can't go through this again. My XXXX XXXX has been dangerously high has caused fXXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I finally got it under control and feeling better - then this! I can't take it | ||||||
| 09/27/2019 | Yes |
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| A bankruptcy was filed while mortgage was on a biweekly accelerated mortgage program. I was already ahead on my mortgage payments when bankruptcy was filed. The company ceased collecting but failed to report that to me and failed to inform me of options to continue payments. The company revoked my online access during the bankruptcy removing my ability to pay electronically after removing my automated drafts. While I now understand why the drafts had to stop ; I feel they owed me a notice of some sort with explanation what could and would happen to my mortgage while the bankruptcy proceedings went on and detailing how I could proceed with making payments on a voluntary basis. They also removed the option to use the automated phone system to pay my monthly mortgage nearly setting me up for default. At the recommendation of my attorney I was able to call in to speak to a representative to explain why I needed to continue my mortgage payments. I was told the only way to pay is to call in each month and wait for a representative to take it by phone. This was an unnecessary added stress and hassle. Each time I call in I have to wait on hold for unreasonable amounts of time some times as long as 45 minutes. I also verbally requested my mortgage be affirmed for bankruptcy making it very clear I intend to keep my home of 15 years. They failed to affirm my mortgage. They repeatedly told me they never got the request although it was faxed to the number they provided multiple times by myself and my attorney as well as mailed to them with formal service. Because they failed, my attorney filed a motion for the affirmation which went unanswered. They denied my legal protection by failing to take appropriate action and gave no explanation why they will not provide affirmation. To date, the bankruptcy is complete and discharged without protection of the mortgage affirmation or response of any sort from the mortgage company leaving me in a legal risk. Now that the bankruptcy discharged, I was given instructions how to print a biweekly form to resume my mortgage drafts. They refused to mail or email the form to me. They would not provide me an email address or fax number requiring I mail it in. There's no option to upload it to their website. I promptly followed their instructions. I've made multiple phone calls, sent messages through their online portal, and tried communicating with them through the click to chat feature when I'm logged into my account online. Their online chat option is never available when I attempt that even during their normal business hours. It doesn't matter what time of day I try whether it be first thing in the morning, during lunch, mid -afternoon, or evening hours. Each time I have to call ( which has been regularly since XXXX ) I am waiting for a representative to assist no less than 30 minutes. When I do get a representative only two reps have actually been helpful over the multitude of calls I've made dating back to at least XXXX. One representative was able to explain why they stopped the draft. The other was able to confirm the authorization to resume was received in time to take action but they took no action. They also could not explain why they took no action. The authorization for the biweekly program with a voided check was sent on XX/XX/XXXX. The representative I spoke to XX/XX/XXXX confirmed it was received on XX/XX/XXXX but they have failed to process it. The representative told me they can't use the paperwork submitted in XXXX because it tells them to start in XXXX and they failed to start it. They tell me not to leave the start date blank on the new form because they can't process it if it's blank but they also won't process it when it isn't blank. They refuse to have someone from that department call me back stating they will send a request for call back because I am demanding it but they will " almost guarantee '' it is not going to result in a call back because that team doesn't call back. That I have to just take my chances submitting all new documentation and another payment. My electronic messages are answered after days go by but they do not attempt to answer or resolve the problem. Instead they replied that they can see I called in and no longer need assistance which is completely false. I do still need assistance. The problem is not resolved. With today 's technology it's mind boggling that it should take 3 weeks from time of contact requesting XXXX drafting and forms mailed off to the time of completion. The company is clearly understaffed. One can only conclude they do not care about their fiduciary duty to paying customers and blatantly ignored the documentation that was submitted both timely and correctly. I have asked for quicker routes to get the paperwork done but there is none. I later received a notice stating they will draft my mortgage on XX/XX/XXXX but they did not process it. Then I got a letter once again stating they will not start the draft because payment is needed so I promptly submitted payment and another online email advising the draft should resume. I got a letter stating they tried to call me with no response but my phone records support they have not. Additionally I have zero voicemails. This affirms a prior rep 's caution advising me he will give the message but know I will not get a call back to resolve this issue. It feels like they are purposely disregarding their duty to service my loan. Working in a large corporate environment I can certainly understand an occasional short staffed day but this has been a continuous problem for nearly six months now. I can understand a training issue with an employee who failed to take action on my mail. What I can not understand is six months of complete disregard for professionalism and resolution for their shortcomings. | ||||||
| 09/06/2022 | Yes |
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| To : Consumer Financial Protection Bureau XX/XX/2022 PNC Bank Attn : XXXX XXXX Executive of Client Relations From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Re : Complaint : XXXX PNC Reference XXXX XXXX Page 1 of 2 Dear XXXX XXXX XXXX would like to clarify some points of misrepresentation in your XX/XX/XXXX, 2022 response to complaint # XXXX. These are as Follows : 1. To clarify XXXX XXXX XXXX on my behalf made a wire transfer to an account holder at PNC Bank and were paid for their services in so doing. 2. At no time did I ever state or represent the fact that I was a signer or account holder on any PNC account. 3. My reporting of this fraud and scam involving a PNC account was done the same day as to which the fraud was committed and discovered. FYI 1 day after the wire transfer was initiated. And seek your help. 4. XXXX XXXX Bank on my behalf tried to recall the wire transfer and at no time did I personally ever request PNC Bank for a refund. XXXX. All actions taken by me were performed by a XXXX XXXX Agent acting on my behalf per their procedures and actions in reporting Fraud. It appears that PNC Bank per your letter has no intention of investigating this fraud that was committed against me by an account holder of your Bank- PNC Bank . PNC Bank has direct knowledge and information involving the accounts used to commit fraud involved yet failed to act accordingly when notified by investigating a act of fraud. Update involving Fraud : The following information is being provided to PNC Banks to validate the fact that Wire Transfer Fraud has occurred. Working with the XXXX XXXX XXXX Office located in XXXX Alabama XXXX. Lead Detective XXXX XXXX XXXX # XXXX. The District Attorney in XXXX has issued a warrant for the arrest ( No Holds ) for an XXXX Female in the XXXX Texas area. She has been positively identified using PNC Bank video surveillance footage as the person who made the withdrawal of the funds transmitted via wire transfer whose origination at XXXX XXXX XXXX Location in XXXX, Alabama to a PNC Bank location in XXXX, Wisconsin. The withdrawal took place in XXXX Texas. Here are my questions for PNC Banks Loss Prevention Departments and Consumer Financial Protection Bureau.. 1. Why isnt it the responsibility of PNC Bank to investigate fraud committed in wire transfers when notified an act of fraud has occurred? Questions Continued : Page 2. 2. With regard to Wire Transfers using XXXX XXXX and PNC means and methods to conduct wire transfer service for bank customers and being paid for their services is this a blind process with no controls or failsafes to combat or minimize fraud? For your Consideration At the time of transfer my Banking professional XXXX XXXX XXXX in XXXX Alabama was asked to place a 48 hour hold on the funds- to prevent the funds being withdraw prematurely to allow my wife and I time to drive to XXXX Wisconsin to verify vehicle was as represented. XXXX XXXX said XXXX XXXX cant do that. I asked if he could verify the recipient banking info and he said he could not do that either. XXXX XXXX noted the paperwork for the funds to be transmitted looked legit. XXXX XXXX noted, If a recall was needed it would need to be done in a couple of hours after the wire transfer was sent, Opinion : With regard to question 1. I believe this should be the banks responsibility to work together to investigate and prevent FRAUD. They have branches and locations all over the county and working together to protect their customers interests. And if it is not their responsibility to protect their customers and investigate fraud committed using their means and methods something needs to change, 2. When doing wire transfers time of the essence in most cases involving purchases. Why cant a consumer place holds on funds or detail instructions of dispersal as part of the wire transfer transaction? Common sense dictates in allowing holds and ( or ) instructions related to a wire transaction would eliminate fraud in which the consumer needs time to vet a purchase in an effort to safeguard their funds. XXXX. In this case PNC seems to be the bank of choice for these scammers. This has not been the first time according to the former Owner of XXXX XXXX Wi. and until these criminals are brought to justice it will continue to happen. Without requiring Banks to investigate Fraud committed using their means and methods will proliferate those who continue to prey on those who intentions are above board. Banking Institutions have direct access to account information and the person ( s ) or parties who commits these acts. Banks have much more resources than their consumers to investigate and fight fraud. In closing, XXXX XXXX and PNC Bank are at fault. Wire Transfers from One Bank institution to Another Banking Institution should be safe. Because of their means and methods and or lack of controls designed to minimize fraud. I have been harmed financially. I believe it is only fair that I be compensated for the amount of this transaction {$11000.00} and PNC Bank and XXXX XXXX be held accountable for paying it back to me. While the amount in questions may seem small to these 2 banking institutions it represents a year of my life as a XXXX XXXX XXXX XXXX XXXX. And I now know and understand PNC Bank failed to act when being notified of fraud committed by an account holder of their bank committed against me. PNC Bank and XXXX XXXX should pick up this investigation and see it through until and prosecute those responsible for committing wire fraud using the banking systems of these 2 Companies. In so doing they will know who the culprits are that abuse their system and possibly uncover flaws in the services and their practices to safeguard assets for all American Consumers. Respectfully, XXXX XXXX XXXX | ||||||
| 11/21/2023 | Yes |
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| Not knowing that my PNC online banking account was hacked and the email address on the account was possibly already changed, my wife and I left the US on XX/XX/XXXX. After arriving in XXXX, my wife and I had been busy with settling in the next week+. We were getting XXXX and starting our new jobs in XXXX on XX/XX/XXXX. We had not accessed our PNC account until around XX/XX/XXXX when my wife got an email from XXXX indicating that the auto-pay for our XXXX credit card failed because there was insufficient fund in the linked account ( i.e., PNC Checking ). ( That email is attached ). Then I logged into PNC and noticed the following unauthorized activities that had been happening on my account. ( There could be more but I did not see them immediately ). 1. Email address was changed to a " XXXX '' address that I had never used or owned. 2. Cash advances : XXXX for {$4000.00} ( + fees ) and XXXX for {$300.00} and {$1300.00} ( + fees ). 3. ACH transfers : XXXX for {$20000.00} and {$1200.00} ; XXXX for {$20000.00} ; XXXX for {$14000.00} ; and XXXX for {$3000.00}. I immediately called the PNC customer support and other channels to report these unauthorized activities in an attempt to stop and retrieve back any transactions that were still pending. I also explained the situation to the PNC reps with my understanding at the time. Even with all this information, PNC waited 10 full business days and on the XXXX business day, they denied my claim. I called PNC fraud department multiple times past couple days asking for updates on the investigation because I was willing to provide any information that would be helpful to them. PNC investigators never called me for more information. Specifically, I reached out to PNC on XX/XX/XXXX, and I got an update today, XX/XX/XXXX ( only after I called them ) that the claim was denied. No reasoning was provided to me. All they said was that after their due diligence, they deemed the transfers to be valid. I can not believe that PNC deemed these unauthorized transfers at issue to be valid. Before I take a formal legal action, I am trying to go through this CFPB complaint process so that PNC revisits this case and investigates the issue properly. Here are some information that I could have provided if PNC requested : 1. My wife and I took a flight to XXXX scheduled for XXXX Eastern Time on XX/XX/XXXX. That flight duration was XXXX hours and XXXX minutes. ( It actually took longer ). I am attaching the e-tickets for the flight for your record. 2. With this information, I ask you to cross-check exactly when the Cash XXXX was made on my PNC credit card for {$4000.00}. The PNC website only shows that the transaction was made on XX/XX/XXXX. If this transaction occurred after around XX/XX/XXXX XXXX ( when I would have left the US with no WIFI for the next XXXX hours ), that would mean an unauthorized person accessed the online account to initiate the cash advance. ( Of course, even if this request was made between XXXX and XXXX of XX/XX/XXXX Eastern Time , that still does not mean I requested this, because I did not. But I am asking you to confirm and double-check, which may corroborate my story ). This information is available to PNC only and I request PNC to provide me and CFPB with the timestamp for the cash advance as well. 3. I am still in XXXX. To prove that, I am also attaching a Korean government issued document showing when I entered XXXX and that I had not left XXXX as of XX/XX/XXXX. This document is in XXXX but I think you can generally pull out the requisite information out of this. Should you require a more recent entry information or a translated document to prove that I am still in XXXX and that I had not left XXXX, please let me know but I do not think that document would be necessary. 4. I suggest that you look into who has been accessing my online banking account using IP address or some other tools available to you to confirm that someone else had been accessing this account to make changes to the account and initiate ACH transfers. Please share the detailed logs of who accessed my PNC account between XXXX XXXX until XXXX XXXX for me and CFPB. 5. I am also attaching this FTC identity theft record that I had filed for your record. XXXX. On or around XX/XX/XXXX, I started receiving tons of spams to my email account which had been associated with PNC for many years before the unauthorized person changed it to something else that I did not own, directing PNC emails to that email address. Unfortunately and critically, PNC never sent an email to the old email address indicating that there was a change to my account as other banks would properly do ( e.g., XXXX, XXXX, and XXXX ). I am attaching a screenshot of the recent spams that I am still receiving. There was no email from PNC between XX/XX/XXXX and XX/XX/XXXX. After XX/XX/XXXX, I changed the email address associated with the account back to my own. ** PNC should fix their system so that an old email address would receive at least a final email indicating that there was a change to the account. If PNC did this like other banks would do, then I would have received an email from PNC as soon as the hacker changed the email address and I would have realized that my account was hacked -- before ACH transfers were initiated. In other words, the unauthorized ACH transfers were preventable. ** I again request all the data and information PNC relied on in concluding that these were NOT unauthorized/fraudulent transactions. That way, I can cross-check your process and let you know if I disagree or can rebut. Lastly, I am happy to provide as much information as PNC would need to come to the right conclusion - i.e., I am the victim and these were unauthorized transactions and the funds should be refunded back to my account. | ||||||
| 11/18/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. PNC BANK & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX | ||||||
| 06/19/2020 | Yes |
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| PNC Customer Service Research Department XXXX. XXXX XXXX XXXX, OH XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Account # XXXX XXXX I am writing this letter to file a formal complaint against PNC Loss Mitigation. On XX/XX/XXXX, I refinanced my home with PNC bank. I want it to go on record I have not been 30 days past due/or missed a payment for the past two years and six months, the time-period of my loan. My payments in the amount of {$2800.00} remained current up until XX/XX/XXXX. On XX/XX/XXXX, I applied and submitted an application for the ( COVID-19 ) Corona Virus Aid Relief & Economic Security Act ( CARESACT ) Forbearance Plan, a new federal law to help consumers who are experiencing financial hardship making payments during this economic pandemic. ( see attachment # 1 ). This new Federal Law ( CARESACT ) protects consumers from negative information being reported to all major Credit Bureaus mortgage relief or assistance related to the COVID-19 emergency during the forbearance process. During the period covered by the CARES Act, the CARES Act requires your mortgage ( PNC ) servicer to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the COVID-19 emergency, to maintain the same delinquent status. If you bring your account current during the forbearance, your mortgage servicer must report the loan as current. On XX/XX/XXXX, ( see attachment # 2 ) I received a letter from PNC stating my forbearance plan has been approved and during this forbearance plan my payments have been temporarily suspended in the amount of {$2800.00} for three months beginning XX/XX/2020-XX/XX/2020 and I do not have to make any mortgage payments. On XX/XX/XXXX, ( see attachment # 3 ), I received a letter from PNC Loss Mitigation, based on a review of the information I provided. I have been approved for a conditional Trial Period Plan. In the letter PNC has informed me beginning on XX/XX/2020-XX/XX/2020 I should make a monthly payment in the amount of {$2300.00}. On XX/XX/XXXX, I submitted a payment in the amount of {$2300.00} for the month of XXXX payment ( confirmation # XXXX ) and on XX/XX/XXXX I scheduled a payment for XX/XX/2020 ( confirmation # XXXX ) in the amount of {$2300.00}. I was told by the PNC representative who accepted my payment, I could not schedule XXXX payment until XXXX. ( On Page # 2, XX/XX/XXXX * starred highlighted ) PNC states that all past due loans are reported to credit reporting agencies on a regular basis and my loan will be reported as past due until it is brought current. This statement totally goes against the new Federal COVID-19 Law which requires my loan servicer PNC to report my account as current if my account was current at the time of the forbearance and I meet the terms of my mortgage relief which I have. During the time I applied for the forbearance plan on XX/XX/XXXX, my loan was not delinquent. As of XX/XX/XXXX, my loan is current. On XX/XX/XXXX, ( see attachment # 4 ) I received a letter from PNC Customer Service dated XX/XX/XXXX, stating PNC has reported late payments to all major credit bureaus XXXX, XXXX and XXXX. I called PNC customer service approximately XXXX XXXX and spoke to a representative XXXX, who refused to give his last name. I explained my concerns to XXXX that PNC should have not have reported any late payments to credit bureaus based on the new Federal COVID-19 law and he assured me I had nothing to be concerned about and the letter was just an automated-generated letter that goes out when a consumer is late. He went on to say he will flag my account to make sure my credit is not impacted due to my forbearance plan is in good standing. I checked my credit report and noticed that PNC did reported my XXXX and XXXX payments as being 60 days late. I have attached copies of the negative reporting from XXXX showing PNC reported my account 60 days late for the months of XXXX and XXXX along with copies of my scores from XXXX and XXXX showing my scores have been affected due to this negative reporting. I'm writing this letter because I am beyond frustrated. PNC has reported me to all credit bureaus as being 60 days late for the months of XXXX and XXXX which should have never happened. This incorrect reporting has not only impacted my credit score, but it has also put me in a state of XXXX XXXX PNC has not adhered to the federal law during this natural disaster of CONVID-19 which they should uphold. This should have never been reported due to me being on a forbearance plan and the new Federal COVID-19 Law prohibits the loan servicers from reporting my account as late during this process regarding if I was delinquent or current with my payments. I have met all requirements to maintain eligibility for this plan and have brought my payments current as of XX/XX/XXXX. During this process, I provided all requested documents to PNC to process my Trial Modification and PNC Bank is refusing to assist me in this matter. I am requesting my loan servicer PNC to submit a letter updating my status to " Paid on Time '' to all three credit bureaus. This derogatory information needs to be corrected with all three credit bureaus immediately. I have forwarded this compliant to the following ; Cc. * Attorney General Office ( OAG ) XXXX XXXX District of Columbia Government *XXXX , XXXX , XXXX Dispute Center *Consumers Financial Protection Bureau ( CFPB XXXX *Csinquiry @ PNC *Federal Trade Commission * Mortgage Housing Assistance * American Association of Residential Mortgage I am asking for an investigation to assist me in resolving this matter with PNC bank. I can be reached at XXXX or XXXX. XXXX XXXX | ||||||
| 01/04/2023 | Yes |
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| I have had my mortgage with PNC since XXXX and have consistently made my monthly payments and until XXXX of XXXX PNC has consistently paid my taxes to the City of XXXX. The City of XXXX ( hereinafter " City '' ) XXXX taxes were due on XX/XX/XXXX. PNC sent payment on XX/XX/XXXX however when the City attempted to process the check on XX/XX/XXXX they discovered that the city put a stop payment on the check and never issued a new one. The City sent PNC notices that taxes remained unpaid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. Neither the City nor PNC altered my husband or I that taxes remained unpaid and neither of us had a reason to doubt the payment since PNC has been handling it for over XXXX ( XXXX ) years. PNC ignored said notices and never sent a payment for the XXXX taxes. On XX/XX/XXXX I received notice from XXXX XXXX XXXX that my taxes were delinquent and if not resolved in 30 days they would foreclose on my house. I contacted PNC immediately who could not initially tell me what happened, but opened up an escalation complaint in order to resolve within the thirty ( XXXX ) days. On XX/XX/XXXX PNC sent a letter to me stating that the first payment they made was to wrong parcel so they had to disburse a second payment and they were in process of getting the erroneous disbursement refunded into my account. Additionally it stated that taxes were current and paid. On my XX/XX/XXXX mortgage statement I noticed that my amount due under escrow increased by over two hundred dollars. I immediately called PNC who told me they would need to look into it as they can not explain why it went up so high since my taxes only increased by {$80.00}. Throughout the months of XXXX, XXXX, and XX/XX/XXXX I was told verbally that it was due to an escrow shortage, however they could not explain to me why it was short. On XX/XX/XXXX I received the exact same letter that I got on XX/XX/XXXX that stated two tax payments were made and they would be funding erroneous payment back into my escrow and that is why the escrow was currently short. This never happened. I attempted to speak to a live individual at a branch bank but was told that was not possible and I simply had to call customer service. That same day customer service told me they were waiting for City to refund the extra payment and that I could continue paying my normal monthly payment. I continued making my payments and PNC originally accepted. However PNC has since returned my checks for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating they could only accept full payment. My checks for XXXX, XXXX and XXXX of XXXX were not returned to me. I have not and will not cash said checks. I continued throughout XXXX, XXXX and XX/XX/XXXX to resolve the issue with PNC to no avail. On XX/XX/XXXX. XXXX I got a letter stating that when PNC ran my escrow analysis in XX/XX/XXXX there was an overage due to a tax refund and they have to dispense it to me under RESPA. This is simply untrue, not only was there not a tax refund, the whole reason there was excess was due to PNC 's failure to pay my XXXX taxes. Upon reviewing my records the overage check was cashed on XX/XX/XXXX. Before cashing the check I went to the bank branch asking why I was receiving the refund and they stated they legally had to because my escrow was over the legal limit they could hold under RESPA. There was nothing mentioned regarding the taxes. Nor could they explain to me why there was an overage but stated that it could not be held in my escrow. From XX/XX/XXXX till XXXX of XXXX they was never any notice given regarding a shortage. This is due to the fact that PNC failed to pay my XXXX taxes, were given numerous notices and instead of paying the taxes they sent me a check stating it was from a tax refund which is inaccurate. When they finally paid them in XXXX of XXXX, there was not enough money in escrow due to PNC erroneously refunding the monies to me. I spoke with the City numerous times and they indicated that one check was sent which PNC put a stop payment on. The City put PNC on notice by providing five bills. PNC for whatever reason chose to ignore the notices and refund the money that was suppose to be for my XXXX taxes. While I admit that I received the money, I did my due diligence to assess why I was receiving refund. I was not put on notice that taxes were not paid, as it has been the duty of PNC since XXXX. Furthermore, PNC not only stopped payment on my taxes, they ignored XXXX notices before dispensing the overage check to me and two more notice after in XXXX and XXXX of XXXX. And still PNC never paid the taxes. PNC finally paid my taxes XXXX of this year due to me putting them on notice that they had not been paid, a notice that I am not legally require to provide as it is their responsibility to pay said taxes. Now a year and two months later PNC wants me to replenish the escrow the {$2100.00} even though the reason it is short is due to their breach, negligence and misappropriation of funds. PNC is responsible for incorrectly refunding the escrow, however they are trying to excuse their negligence. First for over five months they stated it was on the City and they were awaiting a refund from them. When I informed them that the City was not processing any sort of refund then they attempt to say it is short due to an overage from a tax refund. There was no tax refund as no taxes were paid. Furthermore when I spoke with PNC I was informed the shortage was {$1700.00} not {$2100.00} I have been trying to resolve this for over 6 months and nothing has been done. On XX/XX/XXXX I was sent a default notice that stated I had till XX/XX/XXXX to pay the full amount past due {$2800.00} | ||||||
| 09/21/2018 | Yes |
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| If this does not come up in columns where it is easier to read, I am attaching a copy in XXXX format. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ On XX/XX/XXXX I began receiving payments from XXXX XXXX XXXX XXXX for XXXX claims covering my Home equity loan thru PNC Bank. Since the beginning I have had issues of my monthly pmts received being posted to the wrong due date on my account. In the beginning I tried calling PNC loan dept to resolve the issue but never seemed to get anywhere with them. I followed up going to a local branch of PNC & their customer service dept was able to get the loan dept to correct the entries to reflect the correct month/payment due date. On XX/XX/XXXX PNC closed the local branch I was dealing with and also revamped their computers. At that time EVERYTHING changed. Payments were reapplied, but this time to the wrong due dates, then showing months that they had already received payment on were still shown as due. I had to start dealing with their corporate offices again & yet again could get no where with them, being shuffled between their loan servicing area & escalation dept. Schedule of checks issued by XXXX XXXX XXXX XXXX XXXX loan due date.. All payments prior to these dates have been reconciled & already corrected. ( Dates of posting may be off a day or two from date of rcpt ) All amounts are {$400.00} unless noted. XXXX XXXX issued Date pmt should be applied to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Deducted add'l XXXX from ckg acct telling me pmt due for XX/XX/XXXX was due XX/XX/XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Communications made ( this is not full list, I didn't keep track of names until I realized follow up was never gon na happen. XX/XX/XXXX XXXX service dept will review & cAll back XX/XX/XXXX XXXX loan servicing area will send copy of acct ( I rcvd this approx XX/XX/XXXX but print was so light it could hardly be read She said they have had problems with their new system but assured me it would be corrected soon. XX/XX/XXXX XXXX service dept transferred to loan servicing XX/XX/XXXX XXXX XXXX loan servicing will reverse & correct posting 3-5 business days.. ( never happened )????? XXXX XXXX Nothing could be done since pmts applied to current month due. I Told him for 6 years they've been applying to correct months but he insisted in his arrogant way, " can't change our policy. '' I informed him, as I had informed several others that They can not just ignore my due date & apply pmts to whatever they wanted. XXXX XXXX was applied for thru PNC. It was not an outside company that I chose. I have contacted XXXX XXXX several years prior when there were 6 months worth of pmts made and not a XXXX was taken off my loan. PNC Bank never resolved that problem either. XXXX XXXX said it was not their issue since it all goes directly to PNC to post. They couldn't change their issue date or send their pmts directly to me to pay out to PNC monthly because of their agmt with PNC. I told PNC they are leaving me no choice but to higher a lawyer to resolve this. He laughed and said " Okay, Be sure to give them my name '' Then I asked to speak to someone higher than him, & I really can't remember what he said since I was so emotional & had to hang up. ( To be honest, I live ( barely ) on SS XXXX and can't afford a lawyer, but I hoped it would motivate him to let me speak to someone higher than himself. I figured since this issue has caused my health issues from stress and anxiety to the point I would have anxiety attack just seeing an envelope in the mail with PNC 's name on it, I would let it go, show a double payment for the month and have it over with. THEN THIS HAPPENED XX/XX/XXXX pmt was already made by XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ( double pmt applied and on XX/XX/XXXX another pmt of XXXX was taken out of my chg acct. I realized this when I rcvd my monthly stmt on XX/XX/XXXX. When I saw this I was literally shaking & had chest pains that I thought I would have to go to the ER. I calmed myself down & had to call yet again. XX/XX/XXXX /?? name will escalate acct. will call back 1-2 business days XX/XX/XXXX ( XXXX XXXX ) Asked again if they could change pmt date or if checks could be sent to me. Gave me same answer as when I called a few years ago XX/XX/XXXX XXXX XXXX looking into changing due date & checking why XX/XX/XXXX pmt was taken out of my acct. Never heard back from her. She told me no other payments would be posted without going thru her so she could regulate how they should be posted.Gave her a month to review XX/XX/XXXX left msg for XXXX XXXX Since I did not hear back from her & and mis payments are still being made, I told her if she is incapable to handle or correct, refer me to someone who could. They are set to deduct another $ XXXX+ today from my checking. There are so many more calls I made than listed above but never wrote down the names for multiple reasons including they just referred me to another dept, or was told someone would call back. Here I am today feeling helpless & being ripped off by my bank. I would refinance my home, but I still have 2 years left on the policy with XXXX XXXX and would be crazy to lose $ XXXX+ in XXXX payments thru XX/XX/XXXX. Please if you can not help me, maybe you can advise me what I should do next. I have copies of the XXXX XXXX payments, if needed, going back to the start and what months they pay & some hand notes of what I have written above. | ||||||
| 02/10/2023 | Yes |
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| On Thursday evening, XXXX, I was contacted by my daughter asking if i withdrew any money from their checking account at PNC bank in the amount of {$1500.00}. I did not withdrawal any funds and have not had access to their account in years ( i cut my card up and have never received another ). Note : The account was opened by my daughter many years ago ( XXXX? ) when getting ready to go off to college and i was listed on her account so i could assist her if she needed help with her banking while away at school. On Friday morning, XXXX I received a text from my daughter saying that her husband called the bank again and was told that I took the money out, he informed them that i did not and asked that I call the PNC XXXX XXXX. Which i did immediately! On that call i was transferred to XXXX different people, each XXXX had a different story, XXXX stated that i wrote a check ( i informed him that I don't have any and never did ); was transferred to a woman who then told me that she sees the transaction but needs to transfer me to her manager, i get to XXXX, the manager and he informs me that the reason the funds were withdrawn from my daughters account is because my son, who also had an account and my name was also on that account ( for same reason as my daughters ), was overdrawn by that amount and since my name was on both accounts they took it from my daughter 's account. XXXX then proceeded to tell me that it is their policy if they can not obtain funds from an account and the perons name is on another account they can take it from there. Well i am not the primary account holder on either of these accounts so i am not sure how that is even legal They took that money unknowingly by any of us from my daughter and her husband who have a baby on way in a few weeks and she will be out of work. Further, my son 's account was overdrawn by this money and was under investigation for a scam ( he has documentation to show proof of this ) I asked them to put the money back and that they were in process of investigation that dispute for what was done to my son and what right did they have to take any money until the investigation was complete. I was told by XXXX they can not put the money back at branch level as it was a corporate transaction and that i needed to speak with someone higher up. XXXX put in a claim for me and said they would call me within XXXX hours ( he said prob earlier since the seriousness of situation ). I received a call on XXXX from XXXX and told to call him back at XXXX, I called him back multiple times only to not receive a response for XXXX days until i called again on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Finally on my call on XXXX at XXXX am i was able to get to a woman named XXXX who told me XXXX was busy and would call me back. We eventually spoke on Wednesday afternoon and I explained the whole situation to him regarding the fraud on my son ( they closed the dispute and the investigation was never fully conducted or completed ) I asked him again to return the money they took from my daughters account as they had nothing to do with any of this and that we would all work together to finish out the investigation on the fraud committed ( {$2000.00} ) on my son which resulted in the full {$2000.00} discrepancy. I was informed the dispute was closed... no formal investigation conducted, and they were now closing the new account opened and returning only half of the check he deposited later from his recent job as they were choosing to dissolve the banking relationship. So, in all now they removed initially all the money direct deposited from his employer ( $ XXXX ), then the {$1500.00} from my daughter 's account and now he had deposited a {$5000.00} check last week that he was told they were returning only half that money in cashier 's check and closing his new account! I appealed to him and asked him to stop talking about his policy and process and listen to what i was telling him and attach the human to the situation as this was not normal overdraw situation where my son overspent and needed continued investigation until fraud uncovered. i asked him how he would have handled this if i had just called and said i am reporting fraudulent activity and he told me the same way as they are?? He also shared that because my son used XXXX to send the money to the theif the app is for family transactions... they could not do anything. Also, these people scammed my son and he sent transactions through XXXX and apple pay. I asked him to go back and see what he can do given the situation and he promised to call me by EOB on XXXX with update ... .no call happened. I called again today XXXX and every time it rolls to a VM. this is horrible all around but mostly that they went and took money from my daughter and her husband because my name was on the account from years ago when my daughter opened it up. I need PNC to make good and put that money back in my daughters account, and then to continue looking into the fraudulent activity ( which they acknowledged ) on my son, and also to give my son back the money they took from him to cover the {$2000.00} fraud ( he is self-employed ) conducted on him!! I always recommended PNC i thought they were good for student and getting accounts set up but now i will do everything in my power that people know this is how they do business with long time customers and rather look at a small print policy than actual deal with a person and do the right thing. I am very upset and would like some resolution and restitution for both of my children.. I am attached a redacted document that shows the conversation and the scam conducted on my son that needs to be investigated fully!. | ||||||
| 03/30/2021 | Yes |
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| I had a mortgage with pnc mortgage I was a yr and 5 months behind on taxes before XXXX XXXX I paid XXXX taxes in full I was five months behind I have to house next to each other so I was paying taxes on both and got them both caught up I thought cuz I called and treasury told me I was caught up on both this was around end of XXXX of XXXX so I made a 2 mortgage payment on my house at pnc bank have them give me 2 separate receipts then in XX/XX/XXXX I paid two more then on the day before XXXX I got a {$400.00} check from PNC mortgage and this is a long weekend because Thursday and Friday we had off for the holiday so I called PNC this was on Wednesday night about 6 oclock asked why they sent me a check for {$400.00} and they told me it wasnt enough to cover my mortgage and I said yes it is it covers to mortgage payments and she told me know that my payment was XXXX and something dollars and I was four months behind just about five and I said what in I told her she had to be making a mistake and then a lady from Escrow got on the phone and told me I suggest you get a hold of you XXXX XXXX because they contacted us and told us that we needed to pay your taxes or they were going to put a lien on the house cuz they were protecting there investment have you this was Wednesday night before long XXXX weekend Thursday and Friday we are off for the holiday so I had to wait until Monday to call the treasure I talk to him he told me that they did not contact PNC mortgage about my taxes that I wasnt far enough behind and that a company called XXXX paid With a paper check In XXXX And he stated it was not PNC Bank so I was instantly upset I call PNC Bank back made A complete contesting the issue lady told me that it takes up to 30 days but in this case she thought it could be done in 10 days so I wait then in XXXX I get a letter in the mail from PNC bank saying that I asked for mortgage help which I never did then I got a paper stating that I declined the help and got a paper saying that my house is worth {$120000.00} and I owe {$11000.00} on it roughly and never answered me about my complaint contesting the taxes and being lied to from lady in escrow and payments going up and being behind in payments so the end of XXXX I decided I better pay this house off because theyre trying to take it I thought to myself and try to steal my house cause I didnt get no answers so I paid the house off which was XXXX and some dollars took all my savings and this was on XX/XX/XXXX I paid the house off at PNC bank itself they give me a receipt in a wait two months call and ask what happened to the escrow the lady couldnt answer me so I went another month and I call and the lady told me on the phone that the escrow went to payments and then she told me one was for XXXX and some dollars for foreclosure and I said what because they never said anything to me about my house ever being foreclosed on and I made a complaint about my payment going from XXXX to over XXXX $ without them contacting me and they sent all the paperwork to a house that I havent lived in for XXXX years and they had my current address but they said my mailing address was still at XXXX XXXX XXXX when I live at XXXX XXXX XXXX XXXX. which the bank PNC Bank has that on file because I changed it when I first moved so to make a long story short I made for payments without the bank saying anything to me about being short on payment never got a letter from the bank about foreclosure or escrow by payment getting paid up higher or I wouldve paid the taxes myself I wouldve made sure I paid them so my payment didnt go up so high and I didnt know anything about it until almost 5 months it was four months and three weeks when I found out that my payments werent being made and they sent me two checks back to {$400.00} one was XX/XX/XXXX or XXXX that I got and the next one I got after that and then I ended up paying my house off on XX/XX/XXXX cause I never got a response from the bank on my complaint contest what they did with my taxes and they were gon na take my house and they never said said anything about foreclosure to me when I made contact with them several times after I received my 2 payments Back in late XXXX I just felt it and I feel like they were trying to steal my home that I worked many years for and they never contacted me to even tell me about it and when I did contact them they never told me about it on the phone I just get these letters in the mail saying I asked for help which I didnt and I just paid it off on XX/XX/XXXX so I didnt have to deal with them anymore and I go to refinance my home that I live in now and I was denied because I got so many late payments in numerous late payments the lady told me on the phone which I was approved three months prior and then after all this Im not approved to go to 2.3 % from 5 % because of this issue with PNC Bank not contact me when they had my address and they said they had my new address but they had my old address for mailing purposes so they never I never got anything you sent everything to my old house and I never got an explanation for my complaint I never got a explanation on my escrow to this day I didnt know anything about a foreclosureOr paying for a foreclosure fee see they never said anything to me about this or I wouldve just paid it I wouldnt of got all these late payments because it wouldve been paid but they were taking my payments of {$200.00} a month when it was apparently went to XXXX and some dollars a month and I wasnt even aware of it and the bank didnt even tell me when I make the payments at the bank so I really feel like I got screwed and tattooed by this PNC bank and I feel like they were trying to steal my house | ||||||
| 04/14/2018 | Yes |
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| On XX/XX/XXXX, I went to the PNC ATM located at : XXXX XXXX XXXX XXXX, Washington, DC XXXX around XXXXXXXX XXXX EST. I inserted my card, punched in my pin, selected Prepaid Cash Deposit, inserted {$130.00} ( XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX- singles ). The ATM Machine counted the money, and then asked me to confirm whether {$130.00} was accurate. I pressed YES. Shortly after, it returned the whole amount, my ATM Card, and printed a slip that said to contact my Financial Institution. Since there are 3 ATMs in total at that location, I went to the one I have deposited funds more than 3 times in the past. I inserted my card, punched in my pin, pressed Prepaid Cash Deposit, Inserted {$130.00} ; the screen reflected " Counting Money, '' but nothing seemed to be happening. Next thing I know, the machine returned my card, but not the funds or a receipt ; and the funds NEVER went to my account. NOTHING was credit. Immediately, I called the Bank. They referred me to the Dispute Dept who kept saying it would take up to 4 business days to see the funds back. Four days was WAY too long, so I called again. This time they said it would take 10 to 15 Days ( words by XXXX in TX ). I went crazy. So, I called the Police. Then I called PNC Security, the number on the door. Both the Police and Security informed to walk into the Branch the next day ( in the morning ) to resolve the issue. PNC Security said the Bank can print an activity list of that ATM and see the problem. The next day, XX/XX/XXXX, at XXXX XXXX EST, I was at the branch. XXXX chose to assist me. She kept saying, " I know how to credit an account immediately with a regular account, but not with a Smart Access Account. So, I need to call someone for help. '' XXXX XXXX took OVER 1 hour jumping hurdles, just to then say, " I'm sorry, you have to wait 10 to 15 days .... '' for MY {$130.00} CASH that was IN THEIR ATM Machine. I told here what the PNC Security Dept said about running the report. Both XXXX and XXXX said, " NO, it doesn't work that. We can't do that etc. '' At that point, I was furious. So, XXXX the VP of the Branch said, " XXXX, I'll see what I can do for you. '' The ladies gathered {$9.00}, gave it to me out of the kindness of their heart. I left because I really had a XXXX XXXX. appointment to go Kayaking that had cost me money. So, I left. When I finished the event at XXXX XXXX, I called XXXX around XXXXXXXX XXXX, and she was gone for the day. Then I showed up to the bank by XXXX XXXX. because I had NOT heard from anyone. The moment I walked in, XXXX said, " I just left you a message. '' I told her, well, my phone is dead. I haven't received anything. In conclusion, I DEMANDED something in writing that reflected this incident was indeed in the DISPUTE Department ( back-end ) the way XXXX from TX ( a Supervisor in the Dispute Dept ) said it had been escalated. That night, I dialed XXXX, and smoke to another woman. I shared the incident. She told me to dial another number because she couldn't transfer me. Also, due to the fact that PNC Bank refused to credit my account immediately, I had to cancel a XXXX XXXX Reservation, cancellation # XXXX at XXXX XXXX, and ask a random stranger to " Please allow me to shower at his place. '' XXXX - ( XXXX ) XXXX ; And I had to sleep at the XXXX XXXX XXXX another night - XXXX XXXX. All of this happened because PNC Bank REFUSED to say, " XXXX XXXX, we are sorry this happened to you. Since the ATM Machine is indeed PNC 's property, it's our fault this happened. We're going to go ahead and credit your account, {$130.00}. We see that you did come here. You have shown us the receipts. And we will take up to 10 days or so to conduct a detail investigation on OUR time frame. We understand how important this is and how urgent you NEED the money. '' NO, not at all. They all wanted me to just STRUGGLE. On XX/XX/XXXX, at XXXX XXXX, I emailed XXXX XXXX XXXX, the CEO, and I shared with him this incident. I kindly asked him to please have the funds in the account. When I attempted to email him the images that support my story, the images all got rejected, but not the messages. After the XXXX XXXX XXXX XXXX I called my account around XXXX XXXX, and it still reflected {$0.00}. So, I dialed XXXX again. XXXX answered the call, who then escalated it to XXXX, who then escalated it XXXX - Retail Operation Manager in Michigan, ( XXXX ) XXXX ; and after speaking to her, she had the nerves to say, " I'm going to ASK the Dispute Dept, via email, if we can place a rush on this case. I'll call you on Tuesday, XX/XX/XXXX, and let you know " IF '' we can rush this. IF ... .can you believe that. I told her, " BY law, a bank can not hold a Customer 's money. And this was CASH. What is there to investigate? Are you guys sending someone to the XXXX XXXX location to COUNT the cash in that ATM? With all sincerity, I think this was an Intellectual Property Crime ; and it's a crime to HOLD MY Money. So, now I'm filing this complaint against the bank. They are stealing from me. At this point, this is a THEFT. Their ATM TOOK MY MONEY ; and they are refusing to give it to me. So, I need your help to prevent them from doing this to me again or anyone else. A month and a half ago, their ATM Machine in XXXX County, FL ate my ATM card, but reflected the money upon making a deposit. I had to call PNC Security, the Police, Customer Service, Customer Relations ; and the following morning, they gave me a similar looking card. Now I experience this. Is my account indeed a PNC Account or a dummy account controlled by a group of thieves? Why won't PNC credit my account immediately if they have seen the cameras more than once? XXXX XXXX XXXX | ||||||
| 05/19/2023 | Yes |
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Web | Servicemember |
| BBVA was purchased by PNC Bank, all my accounts and mortgage were transferred to PNC bank in XXXX. During this time there was an insurance claim pending for the house that PNC bank holds to note on for flood and homeowners insurance. Flood check was released first but had BBVA listed on check for endorsement, the branch manager XXXX at the time said once its reissued with PNC bank listed for endorsement to bring in, deposit and PNC will send check for all necessary endorsements, including to the SBAs, then funds would be released. XXXX XXXX homeowners check was issued in XXXX of XXXX, my wife took to PNC bank in XXXX XXXX, Fl and made deposit on XX/XX/XXXX. The teller advised her the check would need to be endorsed from all parties listed and proceeded to deposit funds with a hold placed. At the end of XX/XX/XXXX, I received 1 letter from PNC bank dated XX/XX/XXXX stating check would be held for 10 additional days to ensure it cleared the account. Knowing the check needed to be endorsed by PNC and SBA, I assumed it would be held a little longer. As of XX/XX/XXXX the hold is still on my account for the total amount of check. I started a chat with PNC bank online XX/XX/XXXX to inquire about funds, I was advised needed to go to branch. Sometime mid XX/XX/XXXX, I went to branch and spoke with new branch manager XXXX, he informed me he could not give me any information and he would escalate the issue. At this time an executive relations specialist was assigned, XXXX. XXXX tried to reach me by phone during business hours, I am a XXXX and unable to answer calls during XXXX. My wife, XXXX, called XXXX multiple times leaving her messages that although not on mortgage or account, she just wanted to assist with scheduling a time for XXXX and I to speak. XXXX never got a call back. On XX/XX/XXXX I chatted with PNC bank again, they advised I had to speak with XXXX and could not tell me any information. I explained I returned her call and my wife has tried to reach her as well but we were both unsuccessful. The rep documented the situation. When I logged onto my home owners insurance account, it showed last payment in XX/XX/XXXX, but when I was able to reach a representative in XX/XX/XXXX, XXXX XXXX representative informed the check cleared their account the day I deposited the funds on XX/XX/XXXX. I received an email again from XXXX on XX/XX/XXXX stating she was trying to reach me. I immediately responded explaining she can call my wife anytime or she can call me tomorrow. XX/XX/XXXX and XX/XX/XXXX I did not receive a call from XXXX. I emailed her back letting her know I did not get a call but I do not understand why funds are still held as check was already paid by insurance company. At this point, XXXX went into the branch and asked them to have manager call me. On XX/XX/XXXX XXXX returned to the branch and spoke with XXXX explaining we need answers. XXXX scheduled a meeting with XXXX for XXXX XXXX on XX/XX/XXXX for her to call me. On XX/XX/XXXX XXXX had a co-worker call, XXXX, asking to get background information on the issue despite the email I sent to XXXX explain the problem. We asked XXXX to have the supervisor reach out to us. XX/XX/XXXX XXXX XXXX, executive branch supervisor called, we explained the problem to her but she was unable to tell us why funds were not released and where the money was. Since then XXXX has spoken to XXXX XXXX multiple times trying to resolve the issue. The only suggestion is for them to give a cashiers check from PNC listing me, PNC and SBA on check and starting the process of endorsements over again. That is not acceptable. PNC has held these funds for 5 months, avoided my calls, caused a financial hardship for me, and undue stress and wants me to go through whole process of having to get check endorsed and wait for funds again. XXXX spoke with XXXX XXXX and Regional Manager XXXX on XX/XX/XXXX and explained flood insurance checks were reissued finally and we need to get them endorsed by PNC. For the first time since this has started XXXX and XXXX asked if we could provide a break down for funds from insurance company for the flood checks and the homeowners check that was processed in XXXX of XXXX. XXXX emailed them to XXXX on XX/XX/XXXX. As of today when XXXX spoke with XXXX, they still dont have a solution to the funds being held, and are waiting to hear back from mortgage department of how we get the flood checks properly endorsed by PNC bank so we can deposit into another account. XXXX XXXX homeowners insurance company also advised us that PNC bank deposited the check in XX/XX/XXXX without the SBAs endorsement. During the conversations XXXX has had with XXXX, XXXX asked if anyone reached out to the SBA to see if a check would need to be reissued and was told by XXXX I dont have an answer for that. From the conversations that have taken place with XXXX, no real reason as to why funds are still being held has been given, nor can she answer where the funds are at. PNC bank has violated my rights as a consumer, placed a indefinite hold on the holds despite them already being paid to them, sent me a later dated 6 days after the check cleared indicating funds will be held for 10 additional days to ensure it clears, did not Inform of additional exception holds being placed on the check or account, refused to answer calls or return my calls, caused a financial hardship for me and undue stress in my life. I have had to cancel patients so I could make time to go into the branch or be available for a call. Ive attached a copy of the initial letter indication hold, copy of check before it was deposited, the chat conversations with PNC bank, and the email communications with PNC bank. | ||||||
| 11/22/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX we ( myself and my spouse ) closed on a home equity loan at the XXXX XXXX, XXXX PNC branch. The home equity loan was originally a HELOC with a fixed rate since we took out the entire amount in a XXXX time withdrawal after the 3 day waiting period. On the day of closing, I noted that the interest rate was incorrect per what was stated to me just the previous day by XXXX XXXX, XXXX XXXX XXXX, Retail loans. The branch manager who was closing the paperwork for our loan, made several phone calls and came back and said the interest rate on the paperwork is correct. The interest rate I was supposed to receive per XXXX is 4.37 % and what we were told and signed for is 4.4400 %. We should also receive a XXXX reduction for enrollment in automated withdrawals. Unfortunately, we were on a timeline and needed to o sign that day, due to having to pay a contractor for a home project. In addition I have been having trouble with the way PNC is applying my additional loan payments. Each time I attempt to pay an additional payment, they turn around and reduce my automatic withdrawal by the amount of my additional payments. Basically, not allowing me to pay anything extra on my loan. Pertaining to the interest rate, I received a letter on XX/XX/XXXX stating that upon audit of my " FIXED RATE LOCKED '' home equity rate, there was a miscalculation in the interest rate that was received. The letter further explains the old rate was 4.4400 % and the correct rate should have been 4.37920 % and I will be receiving a refund if anything is due. A follow up letter was received on XX/XX/XXXX which stated my credit applied for this error is 34.11 %. I called the bank and requested a complete accounting of how this dollar amount was calculated because according to my math, that was not correct. I spoke with a representative who was extremely rude and told me specifically that my math is wrong and {$34.00} is correct. I requested to speak with a supervisor. I received an email on XX/XX/XXXX from a " XXXX XXXX, Case Manager '' stating they were not able to reach me. I supplied my correct phone number and I received a call from XXXX the following day. During my call with XXXX, she explained that I was only given credited 6 months not going back to the origination date of XXXX XXXX. I requested a total accounting of their calculations during my first call with XXXX, but I still have not received it. However, XXXX stated to me ( on a recorded line ) and I quote " PNC doesn't want to credit you back to the beginning since you never complained about it. '' At this time I told XXXX she was wrong, I have complained about the interest rate and how my additional loan payments have been applied. I supplied her with dates and names of people I have spoken with ( XXXX and XXXX XXXX. Since our initial phone call, I have spoken to XXXX no less than 3 times. During each phone call, she continues to ask me for my documentation that the interest rate should be 4.37920 % not 4.4400 %. I continue to contend that fault by PNC Bank has already been admitted based on the letter I received on XX/XX/XXXX based upon a PNC audit. In addition, I attest that this is a fixed rate lock, when her response to me is the rate just changed in XXXX. The rate changed due to the audit findings... XXXX continues to ask me for my documentation and states she needs to work on this with her partners. Today, XX/XX/XXXX, I told XXXX that I'm filing a complaint because I've waited far too long and have spoken to many people regarding both issues with my loan and my wheels kept spinning. XXXX told me today XX/XX/XXXX that she will be escalating my concerns to someone higher than her, when I explained I was going to file an official complaint with the regulatory agency. Pertaining to the improper application of my payments. If my loan is {$360.00}. And I attempt to pay an additional {$50.00}. My automatic payment is reduced to {$310.00}. I called PNC multiple times and spoke with many representatives. They first told me I was making additional payments incorrectly, then it was I was making the payments on the wrong date of the month. They walked me through how I should be " making my payments online '' which was specifically states in their online banking system that my additional payments will not reduce the amount of my regular payment each time I do it. Unfortunately, each time I make a payment, the amount of my additional payment, is reduced in my automatic withdrawal. As above. After speaking to multiple representatives, I spoke to XXXX XXXX Executive Client Relations around XXXX XX/XX/XXXX after requesting a supervisor. XXXX explained there is nothing wrong with what PNC banking is doing and that I should not go by what online banking is starting, it isn't always correct. XXXX told me I have about 3 days month to send in an additional payment in order for them to be applied the way I want them and not have my automatic withdrawal reduced. I argued that this is not appropriate. I was offered to change my automatic withdrawals to include the additional payments. I explained I wanted to be able to send in extra based upon my budget and this practice seems inappropriate. I also spoke to a XXXX XXXX on or about XX/XX/XXXX. Both XXXX and XXXX both told me PNC is appropriate that it was my method. I attempted to file a complaint regarding my concerns on XX/XX/XXXX but I sent it to the wrong division. I'm requesting correction of the difference between the rate I was charged and the correct rate back to the origination date of the loan. And I'm requesting appropriate application of additional payments and withdrawals on my account. | ||||||
| 07/27/2022 | Yes |
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| FORMAL COMPLAINT AGAINST PNC BANK, XXXX, XXXX Around XXXX pm on XX/XX/2022, I deposited twenty-three {$100.00} dollar bills into my checking account at the PNC Bank ATM at XXXX XXXX XXXX. I am self-employed and I am frequently paid in cash and make cash deposits regularly at this PNC bank ATM with no problems. But on this date, the ATM machine seriously malfunctioned. It took the twenty-three {$100.00} dollar bills for deposit to my checking account but kicked two of them out. It then started messaging and beeping repeatedly telling me to take my cash, take my cash, but I had already taken the two bills it kicked out. No further bills extracted. The screen then changed and messaged that this transaction can not be processed and returned my card. It gave me no receipt of any kind to show that I had made this deposit. It provided nothing to say this transaction can not be processed except on screen. I had nothing in-hand to show the loss of these funds at this ATM. I immediately went into the bank for help and the teller told me that the {$2100.00} was not credited to my account. I spoke to XXXX XXXX XXXX who told me emphatically that PNC had nothing to do with the ATM machine and there was absolutely nothing she could do and I would have to file a dispute. I requested that she go outside right then and try to get the ATM to refund me this money but she refused to go and told me again that PNC had nothing to do with the ATM machine. The ATM was only accessible by their vendor. This is extraordinary since the PNC logo is prominently displayed on the front of the ATM machine which sits on the front of their bank!! XXXX XXXX told me the dispute would take up to ten days to resolve as it could take ten days for the vendor to come and service the machine. I told her this was totally unacceptable as I needed my money to pay my bills. Neither she nor the bank manager offered to contact the ATM vendor immediately and ask him to come and open the machine. This vendor works for this bank and he should have been summoned immediately. This was not a {$20.00} error. It was {$2100.00}! Needless to say, I was extremely upset. While still at the bank, in their presence, I called my mother who handles my taxes and business matters. She was as incredulous as I was that the bank would take no action to retrieve my funds. She asked if I told them that my auto pay obligations at PNC would all be in arrears with penalties if the deposit was not credited promptly. I assured her that I did and it did not change their response. She said she was going to call another PNC bank in our area to see if this branch was following the proper protocol for this issue. She also relayed that she would immediately write a letter by registered mail to the CEO of PNC Bank, XXXX XXXX XXXX XXXX, at PNC corporate headquarters in XXXX, PA, which she did the next morning. I can supply copy of that letter. In her letter she requested XXXX XXXX to intervene and accelerate the process of getting my money back due to the financial hardship it would cause me. I also called Customer Service at PNC bank and relayed my complaint. Several days later PNC restored the {$2100.00} to my account. At this point, I assumed they had confirmed my deposit which was exactly what I expected. Instead, now they have taken the funds back out and I have had to borrow funds to deposit to keep my auto insurance and other bills from being rejected by auto bill pay. I requested a further investigation of the matter. Late Friday afternoon, XX/XX/2022, XXXX XXXX XXXX, PNC Executive Client Staff, XXXX, called me and said he was going to do a further investigation into the matter and would get back to me. Three days later, on Monday afternoon, XX/XX/2022, he reported back to me that PNC had no evidence of the deposit and PNC was not going to restore the funds. XXXX XXXX would not provide details of what his investigation entailed or what the videos showed or even if he had seen them. It is hard to believe XXXX XXXX had time to do a thorough investigation into this matter over a weekend. My mother called XXXX XXXX at PNC on XX/XX/2022, to see what recourse I might have to get my funds restored. After that phone call yielded no satisfactory answers or results, the next day, XX/XX/2022, she again wrote to XXXX XXXX, the PNC CEO, for help. She enclosed copy of my Financial Power of Attorney authorizing her to speak to PNC on my behalf. To date, we have not heard further from him or his staff. I have many questions that are unanswered in this matter : How long did PNC wait to report this error to their vendor? What did PNC do to protect a customers interest in this matter? Did a bank official accompany the vendor when he opened the ATM to ensure that the vendor was honest? What event triggered the ATM to stop working and messaging an error at that exact time and date that I was standing there? Who watched the video to determine that I was at this ATM at that exact date and time that the error message flashed? Who guarantees these vendors do not make mistakes with a PNC depositors funds? Unfortunately, for the consumer, the ATM vendor and PNC bank hold all the cards and they leave you standing there with absolutely nothing in-hand to show you deposited this money. Why would a bank customer, who has an account at a PNC bank, go to their ATM except to either withdraw or deposit funds? I have provided PNC Bank with every opportunity to correct this issue to no avail. Something needs to be done about it to protect consumers. In the meantime, the fact remains that either PNC bank or their vendor has my {$2100.00} UNLAWFULLY. | ||||||
| 12/16/2022 | Yes |
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| In XXXX after having been members to BBVA compass and having separate checking accounts at the XXXX XXXX branch for multiple years, my father added me to his business account..we went into the branch to have this change performed and signred documents validating that fact... ..soon after my father while going into said branch to reorder checks the staff informed him that he should make his personal and business account one single account. He said he told the staff well as long as no changes were made to the primary account ending XXXX ( XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. As of XX/XX/XXXX every account that either of us had was supported by overdraft protection services. In fact, it is a documented fact that for consecutive years prior to that fiscal year my father 's account would go over drafted. Moreover, for consecutive years, usually exactly within the XXXX of income tax season, i would my federal income tax refund, go into the branch, greet everyone, and say ok i want to pay what we owe on my dad 's account, i want to take out enough to do that plus leave XXXX $ to XXXX $ in his account keep XXXX $ to go buys clothes and shoes for my XXXX kids my father and myself... .and leave the remaining balance of my refund in my personal account. In XX/XX/XXXX my father passed away ( XX/XX/XXXX ) and on XX/XX/XXXX his regular social security check funds were deposited into the XXXX account., ... ..my father had no insurance other medicare, no life insurance, no funeral arrangement at all. I took care of my father for 14 years straight, i maid his breakfast, lunch and dinner... ..and i was raising XXXX sons and XXXX daughter on my own with only XXXX a month in food stamps and his XXXX XXXX his XXXX and their XXXX. I had no one to help me pay for his funeral. When i saw that his check did get deposited i assumed that was because it was ok do or me to use that payment... ..in fact the first withdrawal i made was for XXXX which i used to buy groceries to last two weeks because i was awaiting my snap benefit renewal to be approved. Then, i withdrew XXXX on the XXXX or XXXX of XXXX to buy hot foods to feed the family members who started arriving for his service. I then begged my family to lend me the XXXX to have him buried properly and i withdrew the XXXX left as my last ditch effort to my family his brothers and sisters and my sister and that's what we did. Finally, in XXXX, XXXX, later than usual my refund ( IRS ) is direct deposited. The next day thinking that my father and i account is XXXX over drafted i go into the branch and i am treated with disdain and there is a weird, hurried vibe by the staff ... ..i get to the teller inside the above mentioned branch and i say I'm here to pay the over drafted balance and deposit money into that account ( XXXX ). There a hurried unsettled almost frantic kind of " now we got him '' type of attitude within the staff. After minutes ( this is all on camera ) one teller more calm in her actions takes over, the XXXX and another higher up staff member, are close by and the teller ask me ok what did you need sir ... .i say again I'm here to pay the XXXX over draft balance on the account XXXX ... XXXX.my father died and I'm here to pay the last XXXX deposit back because i did not know i wasn't suppose to use it. And i want to add money to it and make a withdraw to go do what i have to do... ..the teller body XXXX spoke volumes as she started to get my requests taken care of and then they had a brief huddle and i got this explanation ... ..ok we are going to have to contact our dispute resolutio department because we didn't know what was happening and security came to our branch XXXX off and wanted their money, so to avoid the problem we paid them for that may distribution and we didn't know what to think because we hadn't heard from you ...... i responded i didn't have money i had been waiting on my tax refund. It came I'm here just like the 4 or 5 years prior. I say so what about the XXXX well you can't keep that account open because your dad passed away so we are closing it and the XXXX is going to be yours but after the XXXX tells us how we are going to handle the situation. That hurt me because i remember the pride i felt seeing our names both of our names on those checks i would still have that part of him alive and they took it. As i write this complaint i realize how poor of a job and how truly unprofessional the people of that branch were and still are ... ... by the BBVA policy regarding overdraft protection the use of that XXXX distribution that i used to bury my father fell on bbva to repay because their statement states any negative balance that occurs when the primary passes away repayment of that overdraft or insufficient funds goes to bbva as a benefit of the overdraft protection policy..about nine to 10 months ago i went into that branch and i asked what was going to become of the XXXX and they stuck to the lie that the social security administration still was reviewing the case ... ... by the staff 's own admission they paid SSA so why would they be reviewing anything. I think they made me out to be a low life as con a thug or something and they passed their own judgement of me and don't want to give me the respect all the millions of other bbva/ PNC members have been given for decades ... ... the XXXX is still just a painful reminder of my father whose life was XXXX well worth more than those XXXX and millions more. They have still not released my ... ... MY RIGHTFULLY OWNED CASH DEPOSIT OF XXXX AND I WANT IT AFTER OVER XXXX YEARS OF EXTORTION AND BULLY TACTICS. | ||||||
| 01/18/2018 | Yes |
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| OnXX/XX/XXXX, I initiated a money transfer of {$1000.00} from my checking account through PNC Banks online personal banking service ( XXXX ) to pay for an invoice issued by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, a company in XXXX for an order I had placed. OnXX/XX/XXXX, I received an email notification from PNC/XXXX that the transfer had been completed however, I learned from XXXX XXXX XXXX, that the payment had not reached them. I immediately contacted PNC and the Bank of XXXX 's headquarters in XXXX XXXX whose routing number XXXX used to send the transfer to get an explanation. After several phone inquiries, I learned from the Bank of XXXX, XXXX XXXX that though the routing number was theirs, they were an intermediary bank for the Bank XXXX XXXX in XXXX and XXXX XXXX account was with the Bank XXXX XXXX, XXXX only. As an intermediary bank, the Bank XXXX XXXX, XXXX XXXX would only forward international wire transfers to the receiving bank ( in this case, the Bank XXXX XXXX in XXXX XXXX. Therefore, instead of using the Bank XXXX XXXX, XXXX XXXX routing number and PNCs internet banking platform ( which works for domestic accounts only XXXX, I should have used a SWIFT code and a wire transfer. By using the routing number of the Bank XXXX XXXX, New York and the account number of XXXX XXXX XXXX which is in XXXX XXXX, the money transfer could not be processed. I was informed that if such funds were to reach the bank which they were unable to further process, the usual procedure would be to return the funds to the senders bank. The Bank of XXXX, XXXX XXXX refused to discuss further details of the transaction to confirm if my funds had reached their bank and insisted instead to speak with the PNC bank. After unsuccessfully trying to obtain assistance from PNCs XXXX banking customer service department, I went to a local branch on XXXX XXXX XXXX XXXX, XXXX XXXX, PA, XXXX to try to find a bank employee or get a referral to someone within the PNC XXXX who would talk to Bank XXXX XXXX, XXXX XXXX on my behalf. After a meeting with the branch XXXX, a PNC employee placed a call to the Bank XXXX XXXX, XXXX XXXX on my behalf and spoke to a representative. He informed me after the call that the Bank XXXX XXXX, XXXX XXXX representative could not trace my transaction in their system with the trace number he obtained from XXXX ( XXXX XXXX or with further descriptions such as amount, date, and other reference numbers associated with the transfer he found in my PNC account. With no other choices left, I called PNC bank again onXX/XX/XXXX ( case number XXXX ) and was directed to the retail escalations team following which I received a call onXX/XX/XXXX from a bank employee who identified herself as the assigned case-worker. She said she had filed a dispute on my behalf, would escalate the case, and would personally monitor the status and walk with me through the process of finding a resolution. I was encouraged, seeing this as progress since previous cases opened on my behalf were closed without any further contact or update from PNC bank ( re : case numbers XXXX and XXXX ). After the initial XXXX business days the caseworker asked me to wait for had passed, I learned from her via voicemail that PNC did not have new information other than that the funds were successfully sent. She advised me to reach out to the intended recipient while she escalated it further. Further contacts with the case worker yielded no information on exactly where my transfer was sent. To my request for a refund based on the fact that the Bank XXXX XXXX, XXXX XXXX whose verified routing number I used claimed to have not received the fund for further forwarding to XXXX XXXX, the caseworker returned with a response on XXXXXX/XX/XXXX. She apologized for the inconvenience and stated that my money could not be refunded by PNC because it was successfully deposited using my instructions. I asked for an email of their reasons and proof of which account my funds were deposited into. I am yet to receive either. In brief, using XXXX on PNCs XXXX banking platform, I erroneously sent {$1000.00} to an account with Bank XXXX XXXX, XXXX XXXX that very likely does not exist ( that is, XXXX routing number + XXXX bank account ). After waiting patiently for nearly 60 days without any details emerging as to where my transfer ended up, I am requesting that my {$1000.00} be returned to my PNC account without any more delay. To continue to wait on PNC bank and XXXX to complete their investigation ( however long they want to take ) will be unnecessarily prolonging the damages my familys business and that of the intended recipient ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX are suffering as a result. Losing track of a customer 's {$1000.00} does not come close to qualifying as an " inconvenience '' as PNC very casually put it. Furthermore, I believe strongly that among them, both banks ( PNC and Bank XXXX XXXX, XXXX XXXX ) and XXXX should be more than equipped with the necessary tools to locate the missing funds especially when they are guided by the record-keeping requirements of laws such as the XXXX Act. Hiring a " third party '' like PNC claims XXXX is does not absolve PNC from any responsibilities. For your convenience, please find below all case numbers PNC has assigned to this issue starting from the most current ; XXXX ( XXXXXX/XX/XXXX ) XXXX (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I will be glad to provide more details including bank employee names if needed. Thank you for your time and cooperation. | ||||||
| 01/28/2022 | Yes |
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| On XX/XX/XXXX I went to a PNC branch near my house in XXXX XXXX to make my first escrow deposit on this house that I plan on buying. I already had a lender that I was working with and who was going to lock me at a 3.1 % interest rate with a lender credit of {$3000.00}. I felt like this part of my purchase was set until I entered PNC on that day and an employee insisted that I speak to their mortgage loan officer since she believed he could beat the 3.1 % interest rate that I was getting from the other lender. Since I have been banking with PNC for over ten years and NEVER had customer service issues with them, I gave this PNC loan officer a call. This guy XXXX XXXX XXXX XXXX ( PNC loan officer ) promised me an FHA rate of 2.875 % or a Conventional rate at 3.25 % and a PNC Grant of 5k, with no points and no origination fees. He promised that they could close on time and that I would even get a credit of {$690.00} towards my closing costs. We went back and forth over the phone and email on the night of XX/XX/XXXX because those numbers sounded very good and had me considering leaving my original lender ( who also agreed that those numbers are better and to have PNC put all of this in an email I true. ) I then asked XXXX if he could write all of this in an email and he did. That same night I dropped my lender who had locked me at a rate of 3.1 % and agreed to give my business to PNC. Everything was going well between PNC, my realtor, and the title company, and I was excited that I found not only a better rate but also more money to go towards my closing costs. Fast forward to XX/XX/XXXX, I received a text message from XXXX stating that " your loan was approved but the underwriter was not able to approve the 5K grant nor the points discount as you can't own properties at closing. I tried pushing for you to get it but PNC won't approve. '' He continued " Side-note '' : I am in GA up in the mountains with very bad reception. '' I originally told XXXX on XX/XX/XXXX from our first conversation that I purchased a condo as a vacation home ( second home ) in XXXX. He never said anything about this being a problem for me to get the 5k grant and points discount. I felt beyond disappointed and was actually angry which I never get but I really felt like I got bamboozled by PNC, kind of like a bait and switch. I notified my realtor and she even contacted XXXX by email saying that PNC really dropped the ball on this and that she still thinks he can fix this. XXXX 's response was pretty much like I'm sorry I messed up but take it or leave it. I went forward in the email thread telling XXXX to cancel the appraisal until this issue can be solved but of course, XXXX goes and cancels the whole mortgage application which of course cancels my locked rate of 2.875 %. The next day I start making some phone calls regarding this matter in hopes that PNC can turn around and do the right thing by fixing the problem. After a couple of days passed and mind you, the rates are slowly creeping back up, I received a phone call from XXXX 's supervisor XXXX XXXX on XX/XX/XXXX who basically tells me that XXXX screwed up and all they can offer me is an apology. He confirmed that XXXX canceled the mortgage application ( without my consent ) and that I would need to go back and start from the beginning with PNC. XXXX said that he would call me the next morning and promised me to have one of his " best people on top of this for me '' and would make this right. ( Whatever that meant ) I waited for XXXX 's phone call the next morning and nothing. I did receive a phone call from XXXX who again apologized for misleading me with false information and said that if I stay with PNC he would include his 0.50 points of commission towards my mortgage. By that time the rates were already up and the best rate he could offer me on XX/XX/XXXX was 3.375 % ( points 0.175 ). I was again disappointed because the 2.875 with XXXX points that they originally promised was now at points 2.050. I told XXXX that I would be interested in getting a 3.125 % ( 1.175 points ) minus his discount of 0.50, which would have left me at 0.675 in points which he said he could see if he could have PNC pay for to keep my business. ( Again, he lied ) The following week on XX/XX/XXXX XXXX sent me the loan estimate and of course, does not include the 0.50 point discount that he promised and locked me at 3.375 % and would give me a lender credit of {$270.00}. Again, this guy lied, and when I got him and XXXX XXXX ( his supervisor ) on the phone, they both just kept lying and said that this was the best PNC can do and pretty much to take it on cancel the loan. At this point, anywhere I would go for a mortgage they would need to run credit again and I would be stuck between a 3.375 % rate and 3.5 %. XXXX made me lose on a good opportunity to get 3k worth of lender 's credit from my original lender by promising me this 5k grant and discount points from PNC. When he apologized for his mistake I again put faith in PNC to make this right but was lied to AGAIN, this time by XXXX and his superior XXXX XXXX. This has been by far the worse experience of my life and the fact that this happened in the United States by a reputable bank like PNC makes this even more sickening. Everyone that I have told this story to is just astonished and does not feel like this was well handled by PNC. So this was my experience trying to purchase my first house with PNC, please be aware that all of them just lie and are masters at baiting and switching. | ||||||
| 11/06/2019 | Yes |
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| We applied for a simple rate and term refinance with PNC bank With XXXX XXXX located at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX on XX/XX/2019. The goal was simply to reduce our interest rate, subordinate our current HELOC, and save {$600.00} per month on our monthly payment. We explained we were about to have a XXXX in 30 days and Borrower # 2 would be going out on XXXX leave. So, we needed to get it done within that time frame. XXXX XXXX XXXX XXXX was the license loan officer that took our application, quoted our rate, and assured us that this time frame would not be a problem. So, we proceeded. On XX/XX/XXXX, we were passed off to XXXX XXXX NMLS XXXX, Loan Officer Assistant to XXXX XXXX, who advised us via email that if we were looking to close by XXXX that would not likely not happen. They were currently locking loans for 90 days. This of course contradicted what XXXX told us and therefore left us re-thinking this decision to refinance. After careful consideration, we decided to proceed since we submitted a FULL credit and income package with nothing missing, and appraisal was scheduled. On XX/XX/XXXX we got an email from XXXX XXXX, that our loan was conditionally approved, and our processors XXXX XXXX would be reaching out to us in 24-48 hours to request any conditions of that approval from us. On XX/XX/XXXX, XXXX reached out to us with a needs list of items. We turned around that same day and provided them to her. On XX/XX/XXXX, we followed up asking for status on the subordination and the items we sent in being signed off, we also asked for the closing disclosure to be sent to start the 3 day wait period On XX/XX/XXXX, XXXX XXXX advised that the subordination would take a few weeks, that they could not send the CD until we had a clear to close, and then once we got the clear to close, they required 10 days until we could sign loan documents. Pushing us out well past our needed closing date due to borrower 2 going out on XXXX leave. On XX/XX/XXXX, we asked that XXXX or XXXX call us asap to go over our options if we didnt close on time so we could decide yet again to proceed or cancel the loan application and move on. To this day, we have never heard from XXXX XXXX again. On XX/XX/XXXX, I reached out to XXXX and XXXX letting them know I never heard from anyone and still needed a phone call. XXXX finally called me and we discussed borrower 2s XXXX leave and income. He needed to check with underwriting and get back to me. On XX/XX/XXXX, still waiting to hear On XX/XX/XXXX XX/XX/XXXX, still waiting to hear On XX/XX/XXXX, got a list of items we needed from Borrower 2s HR in order to document XXXX leave and pay. On XX/XX/XXXX, items requested, were provided for an exception On XX/XX/XXXX, advised our exception was approved and we received an updated loan approval. NOW on XX/XX/XXXX at XXXX we see that we need to bring in $ XXXX to close, and they want an additional $ XXXX in liquid assets verified in addition to the $ XXXX in assets already verified. We asked on several occasions why the following was not done or addressed. And here we are, 2 days before having a new XXXX and no where closer to closing on this refinance. In a nutshell they : Never changed the loan amount for the subordination after numerous requests Never brought up XXXX leave amount on the application Never brought up Borrower 1 qualifying on his own with omitting car payments Never updated application to show cars omitted Never added borrower 2 bonus income Never responded about when subordination was ordered so we could rush using our contacts LO knew about leave and said we could close in 30 days No calls from manager after numerous requests Were never given a secure portal to upload sensitive documentation and I had to send via drop box and get IT to approve it We missed our opportunity on the low interest rates due to the lack of concerns and communication on the lenders side. The lender never updated the loan amount per our request and still to this day. They never ran our approval using borrower 1s income with borrower 2s XXXX leave as a protected individual. They never omitted the auto payments paid by borrower 1s company in which we were told they were holding this in their back pocket if the exception committee didnt approve borrower 2s XXXX leave. This is submitting a falsified loan application for exception after numerous requests to the loan officer, loan processor and the loan officer assistant. We have a loan to value of 54 %, A+ credit rating with plenty of assets and reserves and returned our documentation upon request immediately or within 24 HRS of request. We feel that we are being targeted as the lender is aware of borrower 2 going on leave and when this happens, there is always a no guarantee that they may go back to work. Therefore, PNC Bank has chosen to request documents numerous times, add conditions that were already signed off and has chosen not to return phone calls and e mail in an acceptable timeframe in order to decline our loan due to maternity leave. We provided XXXX pay ; PTO pay that will be paid off through the maternity leave due to accrued hours as well as letters of intent to return to work as well as letters from borrower 2s HR confirming the position after leave. For the two of us ( borrowers ) being in the industry for the past 18 years, we are blown away by the discrimination from PNC Bank and the pure lack of their regard to the laws and guidelines that we are licensed and required to abide by | ||||||
| 04/02/2021 | Yes |
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| Bank Charge Card /Power of Attorney/Authorized User/Credit Reports My mother is XXXX, and her health is failing. She has been losing her XXXX over the past few years, as well as having mobility issues. On XX/XX/XXXX, my mother and I prepared 'Power of Attorney documents with her attorney. We did this so that I may help her pay her bills on time as her health failed. She had ( 4 ) bank credit cards, of which we tried to submit the 'Power of Attorney papers to them to give me legal access to sign and care for my mother 's accounts. In every case scenario, the banks ' customer support representative told us that it was wiser to add ( me ) as an authorized user to my mother 's account rather than use a power of attorney. Only one bank requested both POA papers and added me as an 'authorized user ' too. Before I agreed, I specifically asked each bank 's representative 'if adding me to my mother 's account as an 'authorized user ' would in any way affect my credit? ' Every bank representative we spoke with said the same thing. 'No, it would not ; they also indicated that it was not possible to allocate my mother 's debt to my credit report without my social security number and signature. They clearly defined that I was not a joint owner, rather an 'authorized user, ' which would enable me to make purchases, pay her bills, and help her handle her expenses, etc. All acknowledged that I was not financially responsible for the debt as an 'authorized user. ' They all told me this was the 'best path ' to assist my mother, noting in the conversation by phone that it would not impact my credit in any way. In each case, I heard the same from all ( 3 ) banks, and recently from a ( 4th ) bank, we just added me as an 'authorized user ' only three weeks ago. All of them clearly stated that it would not impact my credit in any way, that I was not responsible for the debt in any way. Since I've been paying my mother 's bank cards over the past five years, I have never seen any of the debts/cards posted on my credit report. All was good, and I continued to help my mom pay her bills on time. On XX/XX/XXXX, I applied for credit with a high credit score and a low debt to income ratio, confident that I would obtain credit for the loan I wanted. I was denied. I was shocked, and it prompted me to get my credit report from all three agencies. I was shocked that my credit score dropped from XXXX to XXXX in just one month, XX/XX/XXXX to XX/XX/XXXX. Nothing I did could have caused such a severe drop ; I knew something was wrong. Once reviewed, I found that ( 4 ) new revolving accounts were added to my account, making my debt to income ratio go from 23 % to nearly 97 %. Adding my mother 's bank card accounts to my credit report added {$52000.00} to my debt, which is being reported as part of my current 'debt to income ratio ' with all three agencies. I was denied credit for a major purchase because of this inaccurate information, and my credit score fell 59 points in less than 30 days. I contacted each of the four banks this week ( Week of XX/XX/XXXX ) and spoke with representatives about this problem. Each bank gave me that same response : they said, 'it should not impact your credit ; the debt is not yours - we're only showing you as an authorized user. ' When I explained that the credit reporting agencies allocate the {$52000.00} total debt to my debt to income ratio - they dismissed me, acting as if I was not giving them accurate data. I had the amounts and gave each one the specific amount allocated on my credit report by them - and they had no answers to explain why this is happening. I further asked if you remove me from my mother 's account ( s ) will this remove your charge account from my credit report? They said yes, and I confirmed by phone for them to remove me from the charge account. However, I do not think this will solve my problem. I am deeply concerned about the impact of this on my credit report and score, as none of this debt is mine. My score dropped 59 points, all because these four banks added my mother 's debt to my credit report. The impact is catastrophic. I work very hard to maintain excellent credit, and in just a few weeks, these ( 4 ) banks have done irrefutable damage to my credit. Furthermore - I do not know if those charge accounts being removed from my credit will result in my credit score being fully restored to my XXXX ratings as of XX/XX/XXXX, or ( XXXX XX/XX/XXXX ) or not. There is no other reason my score should have dropped by 59 points in 30 days. I hope that the ( 4 ) banks and the ( 3 ) credit reporting agencies would, in good faith, undo the damage to my credit. I report my credit to government agencies for my business, and the impact here could cost me future revenues and my livelihood. In every case in this scenario, the banks ' representatives assured me that being added to my mother 's account as an 'authorized user ' was more accessible, better, and faster for everyone than submitting the power of attorney papers. They also assured me it would have no impact on my credit, credit scores, or credit health. I find now ( years later ) that this is entirely not true, and my credit has taken an enormous hit because of their actions. I seek for all of these accounts to be immediately removed from my credit reports as inaccurate information. I also want my credit score to be restored to what it was before these ( 4 ) banks began wrongfully adding this debt amounts to my three credit reports. | ||||||
| 05/14/2022 | Yes |
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| How it is that CFPB continuously permits PNC to block XXXX and marginalized peoples from access to opportunity and to business capital through their automated decision processes, algorithms, and discriminate machine learning systems. And then, when XXXX and marginalized peoples manage to suffer through the struggle of raising their own capital to open and operate their business, PNC kneecaps their success by illegally shutting down business accountsceasing business operations and constructively withhold all of their business funds as well as all funds in all personal accounts. I am XXXX. I am XXXX. I have been victimized by PNC Systemic XXXX, its XXXX XXXX and its Person-to-Person Discrimination. PNC should know its systems and processes were flawed and cause injury because CFPB has articulated standards in preventing such. In the absence of Regulation and Enforced Standards PNC is not deterred from or concerned with the discrimination that exists within its institution. My Business is a Certified Minority Owned BusinessXXXX Owned and XXXX Owned Without Legal Right, Cause or Justification, PNC Bank wrongfully closed my business account and each of my personal accounts ( four ) on or about XX/XX/2022. After wrongfully closing the accounts, PNC took all available funds from each account and mailed my money to address on file. Employee Payroll, accounts payables, checks and ACHs were dishonored. Business operations halted. After I pleaded with PNC and firmly demanded review and investigation, PNC realized its computers made a mistake. Human error and flawed, discriminatory manual processes also contributed to this wrongful account closure Upon the wrongful account closure, I managed to have this matter escalated. XXXX XXXX in Executive Client Relations was my point of contact Each phone call that I had with XXXX XXXX was conducted on a recorded line. XXXX XXXX explained that EVEN IF PNC did something wrong, that the accounts would not be reopened. XXXX XXXX stated she was sorry for my situation. She assured me that the accounts would not be opened As XXXX XXXX was on the phone making assurances ( telling and making up lies ) as to why and how PNC is sorry for wrongfully closing my accounts, and how PNC would not be able to do anything further to assist, I was literally sitting in the PNC with the branch officer as the branch officer worked to re-open the wrongfully closed accounts Branch Manager was eventually able to reopen the wrongfully closed accounts When the accounts were reopened, XXXX C phone me, stated that she had good news, that SHE was able to get the illegally closed accounts reopened. ( Another lieXXXX XXXX provided no assist in reopening the illegally closed accounts ) I asked XXXX XXXX if she could assist with XXXX and any other vendors impacted by the closed accounts XXXX XXXX did nothing During the call, XXXX XXXX stated that I used the word illegal XXXX XXXX asked me to change my statement and say that PNC did nothing illegal XXXX XXXX was effectively asking me to tell a lie ( or state something I did not believe ) I told XXXX XXXX that I would not take back what I said. I asked XXXX XXXX whether she would assist me in resolving this wrongful account closure by offering explanation that PNC made an error. XXXX XXXX did nothing, she allowed the injury and harm to continue. On Wednesday XXXX XXXX, the PNCXXXX collection agent informed me that I was being reported to Collection Bureau PNC maintains federally backed money. It has a duty to maintain consumer bank accounts responsibly and, in a manner, to protect consumersto not cause injury or harm to the consumer. Not only has PNC violated federal prohibitions against unfair practices, but PNCs actions and its failure tact on my behalf to rectify its wrongdoings ( XXXX XXXX ) constitutes XXXX and systemic discrimination. Adverse action XXXX XXXX XXXX XXXX has occurred as the result of PNC wrongful closures of my accounts Because of this illegal Account closure ADP/PNC requires XXXX to post a {$3500.00} deposit to use their services. Prior to the illegal account closure, I did not have to post a deposit PNC charged overdraft fees for dishonored account activity that resulted from the illegal account closure PNC knowingly and willingly withheld assistance and remedy for my injury due to my race PNC deprived me from the use of my XXXX had no access to cash or capital PNC caused great disruption in my business. My business suffered irreparable loss and harm. PNC has impaired my credit and ability to obtain capital for my business I shamefully begged PNC ( XXXX XXXX ) to stop this injury. I explained to XXXX XXXX that PNC automated processes and systems were operating discriminately. That this discrimination hurts my employee and his family as well, XXXX XXXX did not care. XXXX XXXX did not act to mitigate and rectify my injury and harm even though she had the power and job role to do so XXXX XXXX utilized her authority and power to work against me through non-action PNC wrongfully closed my business / financial accounts and constructively withheld my very own funds from me. PNCs wrongful closure of my account ( s ) knee-capped the ability of my business to sustain and thrive PNCs wrongful closure of my account was egregious, Unfair, Deceptive, and excessively Abusive causing me substantial financial harm. PNCs wrongful closure of my accounts are the result of Financial Discrimination, Systemic Discrimination and Digital Discrimination | ||||||
| 12/19/2018 | Yes |
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| Our experience with PNC has been appalling. After making a simple bill pay error where I clicked pay in full instead of pay the minimum, for eleven days now I have been misinformed by numerous representatives about what actions to take causing delays, all the while the bank is charging fees and returning payments to our creditors. There was a very simple solution available that would have stopped all of this this from ever happening, but all PNC employees misdirected me over an over, since all involved departments were not communicating with one another. Despite have spoken with a rep as soon as the error was made who informed me all she needed to do was stop payment, the bank paid the full amount of the bill pay item to the payee..creating an overdraft of XXXX XXXX DOLLARS. Yes, {$14000.00}. How could the bank ever allow this to be paid? That's exactly what every person at PNC employee has asked me, including Branch Manager, XXXX XXXX who finally put me in touch with Retail Escalation. Now, our checking is frozen and I have not been able to access money since XX/XX/XXXX. They also proceeded to freeze our savings accounts. After the stop payment proved to be unsuccessful, I again contacted PNC who informed me the {$160000.00} payment was not being paid. It was being returned by them and the funds would be released to my account the next day. However, this in fact proved to be untrue as well as my account remained at - {$14000.00} and my credit card received the {$16000.00} payment. I was then assigned to Case Manager, XXXX XXXX who informed me everything I had been told by both reps was incorrect and had they done their jobs correctly, she would have been able to reverse the transaction herself if they sent me to escalation initially. She planned to have the calls pulled so the reps could be trained properly and avoid giving incorrect information causing the snowballing dilemma. She then said she was initiating an emergency dispute and I should get results in 24-48 hours. She told me she would personally be managing our checking account and told me to continue using checks, bill pay and pay all necessary bills at the payee 's website and she would be pushing all items through till the bank got the dispute resolved. Several days went by without our balance changing so I tried to contact her at the number she provided. My husband and I continued leaving message after message but did not receive a call back. After an entire week of not return calls, I reached out to PNC through a XXXX message. I explained the situation and she said she was reaching out to Retail Escalation to provide my contact information and they would be contacting me directly shortly. However, I did not receive a call. After waiting several hours for a call, I called the Retail Escalation department and was transferred around till I finally reached a different Retail Escalation Employee, XXXX XXXX. He informed me all of our accounts had been frozen until I participate in a conference call because the Payee needed me on the line in order to reverse the payment. He had a toll free number to give me to initiate the conference call and said he could not remain on the line because the wait time was 20+ minutes and he could not hold that long. I hung up and called this number only to be connected to Check Free, a third party vendor who said they could not speak to me, that they communicate with banks only and did not know why I was given their number. They then transferred me to PNC Online Banking dept who told me everything I had been told from every single PNC employee up to that point was completely incorrect and that If I didn't stay on the phone and push for a resolution, the issue would never get resolved. That's when he told me PNC uses a third party to pay bills for PNC Billpay and that's why the payment was made despite the account being {$14000.00} short even though I NEVER opted in for Overdraft Coverage. He asked me to remain on the line while he contacted Retail Escalation and inform them everything they were telling me to do was incorrect. He told me simplest solution would be to contact the Payee directly and request a reverse of the payment. In the meantime, he connected me to the Retail Escalation rep, XXXX XXXX, who continued to give me incorrect instructions just as I was advised would likely happen from the Online Banking employee. I had to inform her of everything he advised, including about the third-party vendor and how I was told that a call to the payee would have resolved the issue. During my 2.5 hour phone call that day ( XX/XX/18 ) XXXX also informed me the donation check I wrote and the online bills we paid, including our mortgage ( instructed to do so by our XXXX XXXX, XXXX XXXX would not be paid because XXXX was also mistaken about all of that. The Overdraft Protection Department didn't let her know she could not push the items though so she should not have instructed us to do that. Oh yeah, and the hold on the accounts would stay intact on all accounts till we contacted the payee and the payment was reversed and reviewed ... .and all banking fees would apply. She apologized for the many mistakes on behalf of the many PNC employees but had nothing to offer far as fixing the results of all their mistakes. We contacted the payee and they immediately agreed to process the reverse payment back into our account which would take 3-5 days and said that exact same mistake happens all the time my many customers. | ||||||
| 08/21/2017 | Yes |
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| First, I would like the CFPB to note I am requesting PNC bank to secure all phone recordings addressing mine or anyone else who I provided authorization to discuss my PNC checking account or personal checking account in XX/XX/XXXX and XX/XX/XXXX. I know these recordings exist as I always confirmed with the representative the call was actually being recorded. These recordings will be crucial going forward as I am certain there will be a civil claim filed sometime in the near future one, which I will be requesting Class-Action certification. I have had numerous complaint regarding PNC Banks, policies, I believe PNC bank created these policies knowing they themselves would violate terms of the agreement providing me an anticipatory repudiation claim among other violations. On Monday XX/XX/XXXX at approx. XXXX, I logged into my PNC Bank checking and noticed a Pending MISC WITHDRAWAL from XXXX for {$4600.00} ( important to note transaction was still pending ). I contacted PNC bank immediately and informed them this withdrawal is an error, was not authorized by me and could be possible fraud, not to process it until it is investigated. I also informed them that most of my payments are due between the XX/XX/XXXX-XX/XX/XXXX of each month, many are set up as auto pays and others I already initiated and too late to cancel. WIth the withdrawal ( debit ) of the {$4600.00} all my payments would bounce. Early Tuesday morning ( approx. XXXX ) XX/XX/XXXX, I followed up by emailing PNC bank again ( Misc Withdrawal was still in the pending status ). I informed PNC bank that I had reached out to XXXX, who confirmed to me the {$4600.00} Withdrawal was an error by XXXX. I provided PNC Bank with the lead investigators name, XXXX and his direct phone number. I again reiterated to PNC bank not to complete the process of the withdrawal, at least until they contacted XXXX. Further, I explained to PNC bank representatives that XXXX ( XXXX Lead Investigator ) had also contacted XXXX to reverse their request of the {$4600.00} withdrawal. Additionally, I informed PNC bank, that XXXX, the XXXX lead investigator handling my case, claimed the error to withdrawal {$4600.00} from my account took place on XX/XX/XXXX. However, they caught it and reversed the Request to Withdrawal 4 days later on XX/XX/XXXX. In addition, I made over 9 more calls over the next 24 hours to PNC bank and XXXX : -At XXXX talked to PNC rep. XXXX XXXX -Next call talked to PNC rep. XXXX XXXX Who advised me to call XXXX ( company who is the payment processing server for most financial institutions ) I called XXXX who bounced me around a few times before informing me they could not provide any information to me. I was informed that PNC bank should not have given me their number, that PNC bank knows XXXX can not provide information to consumers under any conditions. I called PNC again, spoke to XXXX XXXX who sent me back to XXXX. I called back XXXX with updated information I called back PNC, left a message for XXXX XXXX. I called PNC again, spoke to XXXX XXXX, who informed me she did not see any notes connected to my account concerning this issue including my request that the Misc Withdrawal was an error. I was then transferred to XXXX XXXX. who said she would transfer me to the executive office. However, transfer was not executed properly and call was dropped. I called PNC back again, spoke to XXXX who now informed me PNC bank needed to contact XXXX. Still cant understand why not simply call XXXX. On each of these calls, I pleaded, begged, appealed in every way i could for PNC bank to simply contact XXXX directly and all this would be resolved. Incredibly, nearly every PNC rep informed me they could not call XXXX, that their policy does not allow them to contact other financial institutions. Which, according to PNCs own terms and conditions is completely untrue. PNC bank regularly contacts other financial institutions to verify possible fraud, whether funds are available and/or a number of other reasons. Essentially, PNC bank out right refused to do any investigation. But, this is not the first time PNC bank ignored my claims, forcing my to continually file complaints with the CFPB and OCC and on each occasion my claims were validated. In summary ; on XX/XX/XXXX, PNC Bank decided to ignore all my claims and request by completing the processing of a Misc. Withdrawal for {$4600.00} without initiating a reasonable investigation and more likely without investigating at all. PNC bank reps, deliberately provided false statements to me forcing me to make over 14 calls, many lasting over 30 minutes. I was forced to take 2 days of work while trying to resolve this issue. I had over 20 NSF fees at {$36.00} each, over 30 continuous OD charges at {$7.00} each, over 20 chargeback fees from other banks averaging {$34.00} each. Restrictions placed on me by the payees ( future payments floats for 7-10 days or restricted to make ACH payments ), lost of complete confidence with PNC Bank. Forced to open a new business account at another bank. Dozens more calls I had to make or receive attempting to explain why my payments did not clear, directly causing negative information on my credit reports and loss of business. Combined with previous wrongdoings against me by PNC bank I have zero confidence with them and have refused to deposit any more of my funds into a bank that allows any entity to withdrawal my funds regardless of my claims, without so much as verifying the debits upon my request. | ||||||
| 01/05/2023 | Yes |
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| On XX/XX/XXXX, there was a flood in the basement of my condo building that destroyed the electrical infrastructure of the building. Me and the other unit owners called XX/XX/XXXX and immediately had to evacuate. The town of XXXX XXXX, NJ deemed the building uninhabitable and shut it down pending major repairs to remediate the basement flooding and replace the building 's entire electrical infrastructure because it was submerged and destroyed by more than 5 feet of water coming up through the foundation of the building. Because of the pandemic, many necessary parts were on back order and we did not receive a certificate of occupancy to move back into the building until XXXX of XXXX. I was displaced for a total of 16 months and had to rent a new apartment for more than a year. I could not afford to pay a {$3500.00} a month mortgage in addition to rent and bills for another apartment for the 16 months I was displaced. As a result, I stopped paying my mortgage and sought mortgage relief from my lender. My lender wanted me to resume payments in XX/XX/XXXX, even though there was still no certificate of occupancy for the building. I hired a foreclosure defense attorney to communicate with the bank on my behalf and for whatever reason, the bank seems determined to foreclose despite the fact that I earn {$160000.00} annually and am able to resume mortgage payments now that the condominium is finally legally inhabitable and I have moved back into my residence. When I purchased my condo back in XXXX of XXXX, me and the other unit purchasers had it written into our contracts that there would be no HOA or maintenance fees until all 8 units were sold. That was a perk advertised by the sellers for early buyers, since the building had just converted from high-end rentals to condos, and I was among XXXX of the first to buy into the building. Since the building transitioned from rentals to condos, we were told that the property management company that had been tending to the building while it was a rental property would continue maintaining the premises until all XXXX units were sold and the building 's sponsors turned over the HOA to me and the other unit purchasers. Less than a year into living there, me and the other owners who bought into the building realized something was terribly wrong. The property management company stopped maintaining the building and it began to fall into extreme disrepair. A family of squirrels took up residence in our garage, the garage was never cleaned or power washed since purchasing our units, pipes were leaking in the garage next to power sources, the garage and front of the building were not plowed during the wintertime, the heat broke down in the common areas and was never fixed, and many more problems. By XXXX of XXXX, we noticed significant flooding in the basement with mold and an extreme foul odor. This was clearly a public health hazard. After notifying the building sponsors and the property management company that had stopped responding to us, the flooding was never addressed and it kept getting worse. In early XXXX, we called a public health inspector for the town who came and documented the premises but said that because of covid, he was unsure what could be done because there was such a backlog in violations. Me and the other unit owners were in extreme distress and hired a law firm to file suit against the building 's sponsors for breach of contract, consumer fraud, and a host of other violations. Before we could file the lawsuit, the flood happened and we were then immediately displaced. As soon as the building was shut down by the town, we then learned that the building 's sponsors had allowed the master insurance policy to lapse without notifying any of us. We then had the devastating news that we, as unit owners, were on the hook to make hundreds of thousands of dollars in building repairs for an uninsured building. Our individual units had insurance, but the common areas of the building did not. In addition to paying for a rental to live for more than a year, I also paid more than {$50000.00} in special assessments to rebuild the building 's electrical infrastructure. We still need to repair the XXXX elevators that were fried by the flood, but have been quoted $ XXXX and can not afford to fix them. As a first-time buyer, this experience has been absolutely devastating and demoralizing. I remain in shock over what has happened, and that I have had to navigate this ordeal during a once -- in-a-lifetime pandemic. Being displaced has taken a tremendous toll on my mental health and well-being, and I needed to take an emergency medical leave of absence from work. Dealing with this issue became a full-time job and to have my lender not acknowledge the extraordinary circumstances I was dealing with and repeatedly threaten foreclosure instead of loss mitigation seems cruel and unusual. I am unable to sleep at night due to XXXX XXXX about the situation, as well as the financial stress of not having the liquidity available to fund 'my share ' of the catastrophic building repairs plus pay 16 months worth of mortgage in arrears. I am merely asking my lender to work with me on a modification. I am gainfully employed and am more than capable of resuming payments. I have also spent more than {$10000.00} on a foreclosure defense attorney who has not been able to help me. The financial devastation I have endured through no fault of my own is indescribable and surreal. | ||||||
| 08/02/2021 | Yes |
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| I have been trying to register my vehicle in the state of Oregon since XXXX of 2020. As I was moving from a different state, part of the process requires my lienholder to fill out part of the paperwork. I went to my local DMV and filled out all the paperwork to the extent required by me. Talking with the DMV staff, they said the rest of the paperwork must be filled about by the lienholder and then returned to the Oregon DMV w/ all parts in order to be complete ( paperwork, registration fee, certificate of title, etc ). If not, it would be returned to me. I reached out to my lienholder ( BBVA ) via phone and their customer service representative stated I should mail the forms to their location at XXXX XXXX XXXX XXXX XXXX, AL XXXX ; which I promptly did. On XX/XX/2020 I received a call from a " XXXX '' at the branch stating she had received my paperwork but was unsure of what to do with the the paperwork. I call her back and leave a message. About a week passes and I haven't heard anything so I call her again and leave another message trying to work out whatever details need to be addressed. Still nothing. I continue to call and leave message about every 1-2 weeks until about XXXX. That paperwork, and my ~ {$300.00} dollar money order ( the registration fee intended for the DMV ) I have never seen again since mailing it out. With many aspects of normal daily life being modified due to the pandemic around this time, I chalk up the lack of response to be a consequence of that and try other avenues. I call customer service in XXXX inquiring about my missing paperwork and money order and how to proceed. The ask for details of where I sent it and who I spoke to, to which I provide all that information. I even call the branch itself where my paperwork supposedly is, but no answers. All the lines at the time indicated the branch wasn't open. This agent states they will open a case into my situation and contact me again with any information. Time passes and I am never emailed or called with any updates. I then call customer service in late XXXX of 2020 once again asking about updates. Sometimes the agent I speaks to states they " see '' my case in their records, others respond with total befuddlement regarding my inquiries. To this day I have never received a phone-call or email regarding any of the " cases '' purportedly opened on my behalf regarding my missing paperwork and money order. In XX/XX/2020 I try again, this time just trying to salvage getting the money order returned to me at least. I don't even care if we start the whole process over at this point, I just would like to not be out {$300.00}. Still nothing fruitful comes from my calls to them, just more " we'll get back to you ''. The assistance the customer service tries to offer seems well-meaning, but in the 30+ times I've reached out to them it has never proven useful in any way. Here we are now 17 months since this saga began and my vehicle still is not registered in Oregon. I have once again tried to restart this process of getting it registered. I call them again today and ask who do I send my Oregon DMV paperwork to in order to get my title transferred and vehicle registered in another state. The first phone call today I am put on hold while they get the information I need. The person comes back from the hold and says " hi are you there '', and I respond yes. They then just barely proceed to answer and the call goes silent and my phone says " call has ended '', and I can assure you I didn't hang up. I call back immediately and now am speaking with a new person. I again ask about transferring my title and registering my vehicle. They ask " so you wish to transfer money? ", which no I did not. I clarify and they transfer me to someone in the loan department. This individual gives me a fax number to send the paperwork to. I then ask is there anyone to speak to about this or how is anyone in that department supposed to communicate back with me after I send the paperwork. I ask these questions not to be difficult but to make sure this is done correct as the whole underlying problem last time was that my paperwork " appeared incomplete '' and they didn't know what to do. Anyway, this representative doesn't really have an answer to these questions anyway and just restates that's the department 's fax number and our call concludes. Unfortunately, I don't make the rules and the entire packet needs to be mailed and not faxed. A search I did soon after the call also reveals this fax number seems to be the same building I originally sent this all to a year and half ago. The place the has never returned a single call of mine nor I was ever able to get a hold of anytime that original voicemail from XX/XX/2020. All in all, I never seem to get a straight or clear answer when talking with BBVA customer service. I presumably am not the first person with a car loan through them who has had to register a vehicle in another state. Yet every interaction on this nightmarish odyssey would suggest I am. I have scoured their website looking for info regarding this process who to contact about it but there is nothing. I wish certain facets of this process were easier, some of which aren't within BBVA 's control either. But for the seemingly limited and easy part they are supposed to play, I can't get any consistent help from them. First with finding and completing the original paperwork I sent, and then later with trying to do this process again. | ||||||
| 04/09/2019 | Yes |
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| Hello, I am reaching out to file a complaint against PNC Mortgage company. I received a letter from PNC dated XX/XX/2019, allowing me another opportunity to apply for a loan modification. I did on XX/XX/2019. I received a second letter requesting information dated XX/XX/2019, and I provided the information required except for the information I was not required to submit confirmed by the servicer. While applying for a loan modification PNCs attorney was pushing forward the foreclosure while my application was under review and before PNC made a decision on my application ( please see attachments ). I started receiving letters to Save my Home. I did not pay any of the letters any mind because my application was under review. On XX/XX/2019, I received a letter in the mail dated for XX/XX/2019, from PNC stating my application was incomplete. It states I failed to provide the required documents. All required documents PNC requested was provided to them except for the documents I was not required to send per the loan servicer. According to CFPB, the servicer is required to inform me of any missing information, that did not happen. Also, in the denial letter, it did not specify which documents I did not submit. According to CFPB servicer are required to identify documents that were not received. That Friday on XX/XX/XXXX, I found out my home was sold in an Auction to a third party person name XXXX XXXX on XX/XX/2019. This did not allow time for me to remedy the situation. There was a disconnect within PNCs department and it was not on my part. I provided all the documents the servicer needed. I received a letter from PNC stating they were given permission by my Bankruptcy Attorney XXXX XXXX to communicate with me directly. When I made inquiries regarding my application decision, the servicer by the name of XXXX stated that they were not giving permission to communicate with me directly because of my bankruptcy attorney. That is false is I have the letter to confirm PNC was given permission to communicate with me. I spoke to a PNC foreclosure representative on XX/XX/2019 by the name of XXXX and she was very helpful to me not once, but twice. She said I did not submit the child support information, but I was not required per the letter received from PNC. When I called on XX/XX/2019 I spoke to XXXX again and she did forward a complaint to PNC. The person who was supposed to be handling my complaint was XXXX XXXX ref # XXXX and she provided me her phone number and I left her a message on XX/XX/2019. I never received a return call. I did speak with XXXX XXXX and he was kind enough to assist me and see what he could find out, but neither loss mitigation or the foreclosure department responded to his inquiry. Also on a letter I received it states PNC would contact me regularly to ensure all required documents are received, no one contacted me. If I was not required to submit child support, Alimony, and Separation income documents why was it penalized against me in my loan modification application when I was not required to submit? Why PNC did not identify in their denial letter what documents were missing prior to the sale date? Last, Should I have been faced with a foreclosure sale while my application was under review or evaluated? Can this be stopped immediately after a foreclosure sale date? Can I get my home back? The servicer did not contact me to say hey, XXXX you are missing the following documents, please submit no later than this date. Is this legal, is PNC allowed to do this? The ratification sale has not been finalized and I want to keep my home, but I want to hold PNC responsible for negligence on failing to communicate with me directly on any information needed and while my application was under review and to move forward in Foreclosure. I have an XXXX-year-old son who has XXXX and I need and would like to keep my home for him and my other XXXX children. I want to keep my home. At the moment I can not afford an attorney to pursue any legal actions and I need help. If you can be any of the assistance I want to keep my home and stop the ratification sale to resolve this issue with PNC. I would like to reverse the mortgage back to me as the owner and borrower and for PNC to reimburse Mr. XXXX back his money because it was an error on their part. No one seems they can help me and after reading the rules and regulations, I feel CFPB can assist me. I am willing to pay the bidder his deposit back as a down payment for the balance I owe, something to retain my home. I also work as a XXXX XXXX XXXX and this will definitely negatively impact my security clearance. I am willing to pay I have a steady job or at least provide the opportunity to apply again for the loan modification. PNC did not identify what missing documents nor in their denial identify which missing documents. I provided all the necessary documentation and they had all the rights to communicate with me. I need help and fast. I was told to make calls to the foreclosure department at PNC, the courthouse I was instructed to do by PNCs foreclosures department to contact the sheriff 's department to find out a notice to vacate. I called just about almost anybody who could help me, no one can help or dont seem to have the answers. I heard from everyone else besides XXXX XXXX the servicer who was supposed to be handling my application. Please assist me! Desperate mom trying to keep her home! Thank you! XXXX XXXX | ||||||
| 02/07/2021 | Yes |
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| To whom it may concern, On XX/XX/XXXX at XXXX I received a phone call on my cellphone. When I looked at my cellphone it said " Mom and Dad '' which is my parents home phone number calling me. I answered " Hello '' and I heard crying, sobbing and sounds of shuffling in the background. A male voice said : '' Yeah, I got your mom and I got a XXXX to her head and if you don't do what I say, I'm going to blow her XXXX brains out. I just got out of jail, I need money to get out of the area. Do what I say and I won't shoot her. '' I asked the man where my dad was. He answered " Don't you worry about him, he won't be saying anything to anyone any more. And you need to tell this XXXX to stop moving around and crying before I start beating her XXXX. " I begged and I pleaded and I begged and cried and pleaded to please not hurt my mother.He told me to place the phone on speaker and told me " I'm looking out the window if I see any police movement or I hear you trying to pull any funny XXXX in the background I'll blow her XXXX head off. You need to send me some money. " I begged and pleaded and cried for him to please not hurt my mother. I asked him how much he needed and he said {$900.00} " You need to send me {$900.00}. '' I asked him how I was supposed to send him any money. He said " Don't worry I'm gon na tell you what to do, you gon na do it or she's dead '' For 55 minutes I was subjected to this terror, trauma, and horror. I literally felt like the XXXX was to MY HEAD THE ENTIRE TIME. My mother 's life was in my hands, she had a XXXX to her head and I felt like I had one to my head. All the screaming, crying, begging and pleading caused my XXXX year old son to wake up. He came to me and I put my finger to my lips for him to be silent and I started writing on a piece of paper info and directions for him ( pictures attached ) as this man on the phone gave me directions of what he wanted me to do. My son heard the crying and sobbing in the background. I saw the terror and tears coming to his eyes. My son called XXXX on his cellphone from the basement. He came upstairs at one point for officers to hear this man and what he was saying. Thru these 55 minutes this man walked me thru XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX to send money. ALL THIS TIME THE CRYING AND SOBBING continued in the background and my heart was breaking for my mother. Thru his direction, he told me what to do.. My credit cards started to flag fraud and no additional money or money could be sent. He ordered me to send the money thru XXXX, the initial amount of {$900.00} to a phone number he provided, he told me to press that this was a friend or family that I knew, that it was the only way the money would be able to go thru and to " remember I got a XXXX to her head '' a XXXX to my mother 's head and what felt like a XXXX to my head. The money was sent by fear, force, unwillingly when you feel you have a XXXX to your head and your mother had a XXXX to her head what is a human being to do. My heart and mind were in shambles knowing I was forced to follow directions and this evil of a man may still XXXX my mother.I begged, I yelled and pleaded " You got what you need, you got the money you asked for now go! Leave my mother! GO! " My son at this point said police were on their way to my parents home. He demanded more money. I told him I'm a single mother and I do not have money like that. He directed me to send another {$100.00} thru XXXX. I told him I couldn't do anymore and please just to go so he had me use XXXXXXXX XXXX and had me load a credit card ( XXXX XXXX ) and walked me thru sending {$100.00} increments to yet another phone number. My card flagged and I told him I couldn't send any more. " YOU GOT WHAT YOU ASKED FOR NOW GO!! " I yelled " I CAN'T DO ANYMORE! " His response : " XXXX it, she's done '' and he hung up the phone. I fell to my knees yelling and my son came to me, holding me and crying. Minutes following I received a call from my mother 's cellphone. Police officers were at her home. This was fraud and a scam. This person posed as someone who had my mother in their custody to get money from me.I have no idea who the person associated with the phone number is and the money sent was a XXXX to my head, unwillingly, forced, and directed thru fear of death. PNC Bank was contacted that very morning around XXXX. I spoke to PNC Bank representatives XXXX, XXXX and XXXX ( which was the day my dispute was filed because I was advised by PNC representatives that funds had to post ). I have spoken to multiple representatives at PNC Bank on multiple days and occasions. I requested a reopening of my case/dispute and provided PHYSICAL EVIDENCE ( police report, paper I used to write to my son to call the cops, etc. ) and this narrative on or around XX/XX/XXXX. At that time I spoke to an assistant manager of the PNC branch on XXXX XXXX in XXXX, Maryland. I had hoped that PNC Bank would reconsider their initial decision in my dispute but have gotten no resolve with them. Both letters I received from PNC stating that the dispute was denied claimed that the transaction was performed as requested thru XXXX. I feel that PNC has not looked into this situation to see that this man was fraudulent and I was FORCED to send the money, this transaction is part of a criminal investigation!! They have the case number and police report. Police have sent supeonas for bank records. How is this dispute being denied?! I need help. | ||||||
| 01/12/2023 | Yes |
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| On XX/XX/2022, I logged into my online account with PNC Bank and found a {$1500.00} withdrawal not initiated by me or my wife. I immediately called PNC Customer Service to alert them of this issue, as I strongly suspected that not only was the transaction fraudulent, but likewise reflected the strong possibility that I was a victim of identity theft. A scanned image of the withdrawal slip linked to this transaction, which shows my Social Security Number and account number handwritten on the slip, was captured by PNC and appended to my online account details. It clearly confirms that the transfer of funds occurred at a PNC branch - a suspicion I shared with the PNC agent. Later that same day, I received an automated email from PNC asking me to complete a customer satisfaction survey concerning my last " visit '' to a PNC branch. The message even identifies the location of the branch and first name of the teller who serviced their " client. '' The date of the visit ( XXXX ) referenced in the email likewise coincided with the day the fraudulent transaction was completed. I shared all of this information with the PNC associate who spoke with me, as well as the PNC Fraud Group via email, as it obviously opened up several avenues of investigation. But I received no response. Finally, after follow-up calls to PNC 's Customer Care unit the week after the incident, someone from their Office of the Customer finally got back to me. I was told the transaction was linked to one of the branch 's regular customers, who was on location to withdraw funds from his/her account. In short, the teller used the person 's Social Security Number to access their records in the PNC system, and inadvertently transposed two of the SSN digits. It seems the incorrect SSN turned out to match mine exactly, so my account came up and the withdrawal was completed against my balance. This made no sense to me. So the teller didn't notice that the name/address on my account was not that of the person seeking the withdrawal? And no form of physical ID was requested, or protocols in place for such a large cash transaction? If the teller entered the SSN incorrectly - my SSN, as written on the slip - how is it possible that my account matched it and was accessed in the PNC system? And no consideration was given to the possibility of client/teller collusion? I remain quite suspicious. At a minimum, it points to gross negligence on PNC 's part. And it still doesn't resolve my concerns over the possibility of identity theft, as my SSN and account number were clearly printed on the withdrawal slip. To make matters more concerning, per the advice from one of the credit reporting agencies- one of several parties I contacted to initiate fraud alerts and other security protocols, I reached out to local Law Enforcement to file a police report. Much to my dismay, follow-up attempts by LE to contact PNC 's Fraud Unit were proving to be unsuccessful. Since my discovery on XXXX, I've insisted on receiving more details in writing from PNC related to their investigation of this incident. When I finally had the opportunity to speak to PNC 's VP/Security Manager, this person admitted she was unaware of the documented evidence in the case, namely, the actual withdrawal slip and the survey I received via email a day after the incident. Nor did this individual know the location of the branch and the name of the teller involved- despite the fact that these docs were attached to my prior correspondence that the VP was copied on. Since 10/7, I've insisted on receiving a copy of the investigator 's report. What I was sent instead was communications from a Customer Care Manager restating the " inverted SSN digits '' explanation. And an email from the EVP of Customer Experience, which offered further details that were incoherent at best - and even contradicted what the Manager had stated in his letter. In aggregate, this experience and lack of transparency, as evidenced by PNC 's refusal to provide me with a copy of the field investigator 's report, has undermined my confidence in any investigative work PNC may have completed to-date. And it calls into question whether anything of real consequence has been pursued to address this gross negligence and/or potential identity theft in the hope that I would eventually just go away, since the {$1500.00} was returned to my account. It also makes one wonder if PNC is purposely suppressing details of their findings for fear of consequences of some kind - all at my expense. As a start, my primary interest over the near term is to receive a copy of the investigation report findings- redacted if necessary. Assuming such a record even exists. If not, a written summary of what transpired - something far more lucid than the emails/letter I've received, which includes a statement of how things were resolved, would suffice. Restitution for jeopardizing the security of my personal information could then best be determined from there. Certainly, more than the one year 's worth of credit monitoring PNC offered seems warranted in this case. Given my experience and what has transpired since this incident came to light, I'm likewise concerned for other PNC customers who, when using PNC banking services, may encounter issues similar to mine, and their potentially damaging consequences. That is why I've felt compelled to reach out to you to intervene, investigate and remediate this matter. | ||||||
| 11/21/2017 | Yes |
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| This complaint is being filed against PNC BANK ( also referred to as bank ) regarding the discrepancies of payment processes and associated services regarding a personal general-purpose credit card. This discrepancy has led to a chain reaction with the customers primary financial institution ( s ) in the form of credit limit reductions that drastically increased the customers credit/debt ratios further driving down the customers credit score. Additionally, the customer has since been declined auto leases and lines of credit multiple times that are needed to sustain personal and business-related activities. The declines are solely due to the alleged delinquent payment, subsequent poor credit score, and subsequent high credit/debt ratios. The alleged delinquent payment is the only late payment of record in the entirety of the customers applicable credit history. As documented in customers credit report records, on XX/XX/XXXX the bank assessed a late payment. The bank failed to auto process an active and properly set up payment plan that had been in place and which had properly made auto payments for several months prior, since XX/XX/XXXX. The customer demonstrates no account changes had been made or authorized and that the customers communication settings include multiple forms of communication including call, mail, text, and email, however the bank failed to communicate that the account was late or that the payment process was not valid. A generic mass email was sent by the bank regarding hardware issues that were taking place during the payment timeframe. Once the email was received by the customer, the customer diligently and quickly reached out to the bank in order to ensure that the monthly auto payment would be processed accordingly, the bank gave no response that any payment issues needed to be resolved. This also occurred when the customer called about a potential fraud alert on the account, again the bank gave no response that the auto payment would not be received or delay. After an additional 30 days, the customer had attempted to lease a vehicle, in which the credit report showed that the payment discrepancy and associated issues had not been resolved. The customer contacted the bank multiple times again, this time being incorrectly transferred across multiple departments of the bank and ultimately the customer was transferred numerous times to an incorrect service rep, who provided inaccurate information. Once transferred to a capable manager or representative, the bank representative said that the customer was to blame, that nothing would be done, and that the customer should contact XXXX, the credit report agency the bank processes information through. The customer asked for the number to XXXX, the bank representative then provided a wrong / different number to a predatory credit rebuilding company, trying to sell credit repair services and products, not to XXXX. The customer then sent documentation through certified mail to all three-major credit reporting agencies, disputing the payment discrepancies. One reporting agency removed the issue and two kept the discrepancy because their fact-finding is only to determine if a payment had been made or not, not the circumstances regarding the error or dishonest practices of the bank. The customer again sent information disputing the ruling providing evidence of the situation, without receiving a reply. After the attempt to rectify the situation multiple times with the bank and then the credit agencies, the customer paid the account in full and closed the account with a negative balance of slightly over one-hundred dollars in the case that the bank applied any interest, fees, or charges. Once the account was paid and closed by the customer, credit reports updated the account to good standing however they did not remove the alleged delinquent payment, which continues to negatively impact the customers ability to borrow. The following evidentiary items are attached : Item 1 : Shows the entire listing ( All Folders upper left corner ) of PNC BANK correspondence from the most recent setting change in XX/XX/XXXX and does NOT list any communication of adverse account status such as late payments, as well as demonstrating minimum auto payments correctly being received by the bank for the customers account in question. Item 2 : System error with PNC BANK system showing that a recurring automated payment had already been setup since XX/XX/XXXX, another could not be setup. Additionally, this highlights in the top right corner the date which is significantly before the 30-day late payment timeframe, and demonstrating the customers diligence in getting this discrepancy resolved. Item 3 : System error and notification by PNC BANK showing a hardware error and issue had caused disruption in the employee and customer banking, this is at no fault of the customer. Item 4 : PNC BANK system showing that PNC BANK is supposed to contact the consumer through mail, email, text, or phone to discuss any payment or setting changes, which PNC BANK failed to do. Item 5 : PNC BANK settings change from XX/XX/XXXX, demonstrating the banks example email that should be received regarding any account changes, settings, or issues as well as showing that the customers contact information was up-to-date. Account of XX/XX/XXXX was paid in full, with a negative balance leftover for contingency on any additional bank fees. | ||||||
| 09/23/2021 | Yes |
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| My mother had an account with PNC bank. She XXXX in XX/XX/XXXX due to complications from XXXX XXXX XXXX. While my mother was alive, due to her condition, I had a general power of attorney, which allowed me to handle her finances, including accessing funds from her PNC account ( essentially, to pay for her XXXX supplement and miscellaneous expenses related to her care ). Upon my mother 's death, the general power of attorney expired and I could no longer access her PNC account. She had {$850.00} remaining in her account. My mother XXXX in Florida and I lived in Florida at this time too. As her heir, I assumed, I could eventually access the funds upon proof of my relationship to her. I have since relocated to XXXX, Wisconsin. In early XXXX, I went to a PNC branch in downtown XXXX, where the bank employees told me I needed to complete a " Transfer by Affidavit '' before I could close my mother 's account and acquire the remaining funds. I completed the Affidavit, but the pandemic happened, and I did not resolve this matter at that time due to the need for social distancing. Recently, however, the State of Wisconsin, sent me a notice that the state intended to seize the funds in my mother 's PNC account because the account has been dormant for a significant period of time. This notice motivated me to renew my efforts to resolve the outstanding matter with my mother 's PNC account. In Spring XXXX, I submitted the " Transfer by Affidavit, '' along with copies of my mother 's Florida death certificate, my Illinois birth certificate ( establishing my relationship with my mother ), my mother 's Social Security card, and my photo ID to PNC bank employees in XXXX XXXX, Wisconsin for their review. At that time, the PNC employees said they needed to submit copies of these materials to " document reviewers. '' I never received a response from PNC. On XX/XX/XXXX, I returned to the PNC branch in XXXX XXXX, Wisconsin to inquire about the status of closing my mother 's PNC account and my receipt of the remaining funds as her surviving heir. The PNC employees ( different from the employees I originally dealt with ) contacted some PNC official, who determined that the " Transfer by Affidavit '' I originally submitted was incomplete. On the same date, I completed a new " Transfer by Affidavit. '' The PNC branch employees, however, refused to notarize the document because I was not a PNC customer ( arguably, as heir to my mother 's funds, I was technically their customer, but I didn't quibble ). I therefore walked down the street to another bank, where I had the Affidavit notarized. I then returned to the PNC branch with the properly notarized " Transfer by Affidavit '' and submitted it to the PNC branch employees. I also had the same supporting documents ( i.e., my mother 's death certificate, my birth certificate, my photo ID ) available for their review. The PNC employee said they would contact me once they heard from the " document reviewers. '' The PNC employee gave me her business card, which indicated her name and her title- Branch Manager. On XX/XX/XXXX, I decided to return to the PNC XXXX XXXX branch because I had heard nothing from PNC since my last attempt to resolve this matter on XX/XX/XXXX ( a month ago ). I was met by one of the PNC employees with whom I dealt in Spring XXXX. Not knowing about my XXXX visit, she referred to my original " Transfer by Affidavit, '' and said it was not accepted. I told her I had since returned and remedied the problem with a new " Transfer by Affidavit, '' but was unaware of my last effort. She apparently contacted Ms. XXXX, who evidently told her that my latest " Transfer by Affidavit '' was secured in Ms. XXXX 's desk. The employee told me that she couldn't access the " Affidavit, '' and that I would need to return to the branch on another date. About an hour after I left the branch, Ms. XXXX called me. She said the " documents reviewers '' again rejected the " Transfer by Affidavit '' because the affidavit was a Wisconsin, not a Florida, " Transfer by Affidavit. '' Because my mother XXXX in Florida, they claim I needed to execute a " Florida '' Transfer by Affidavit. I objected and said it seems the " documents reviewers '' change the rules whenever I submit a revised Affidavit. PNC 's new insistence that I use a " Florida '' affidavit ( vice the " Wisconsin '' affidavit ) is unreasonable for a couple reasons : ( 1 ) I have demonstrated through proper documentation ( e.g., my mother 's death certificate, my birth certificate, my photo ID, and an affidavit attesting that I am my mother 's heir ) that I am my mother 's heir and should receive the remaining funds in her account, and ( 2 ) the new insistence that the affidavit I use be a " Florida '' affidavit seems unjustifiably pretextual given : ( a ) PNC knew as early as Spring XXXX that my mother XXXX in Florida, but only now ( after purportedly reviewing 2 submissions of my affidavit ) insists that the affidavit be a " Florida '' affidavit, ( b ) the State of Wisconsin, not Florida, is claiming a potential interest in the funds, and ( c ) it shouldn't matter where a customer dies if that customer 's funds can theoretically be accessed from anywhere given that PNC is a business involved in international and interstate commerce. PNC seems to be using ad hoc rules that, in this case, emphasize form over substance in order to wrongfully appropriate funds. | ||||||
| 08/01/2022 | Yes |
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| This is a continuation of complaint XXXX that was dismissed without resolution. PNC Bank has failed to assist in the recovery of funds that were fraudulently removed from my account by wire transfer. The issue right now is that the response from PNC does not include any requested information about their attempt to contact XXXX XXXX XXXX where the funds were transferred. All I was told by the person signing the below letter is that they contacted XXXX XXXX XXXXXXXX in an attempt to recall the transfer. PNC said that XXXX XXXX XXXX did not respond. I will be sending in another complaint about XXXX XXXX XXXX. When I asked the signer of the letter to provide me with the correspondence with XXXX XXXX XXXXXXXX, she refused and said I would need a subpoena. I lost {$25000.00} and they are not providing information! In the letter it says they recommend I contact law enforcement. This was done previously, and if PNC would have provided this vital information, perhaps the recall could have been made. I do not know if in fact PNC ever contacted XXXX XXXX XXXX and they did not perform their fiduciary duties. And if they did contact XXXX XXXX XXXX, why would they not share this with me, the victim, so I can share it with law enforcement. Here is the letter from PNC : XX/XX/2022 XXXX XXXX XXXX ( via CFPB and OCC Portal ) RE : Office of the Comptroller of Currency Case Number XXXX Consumer Financial Protection Bureau Case Number XXXX Dear XXXX XXXX XXXX XXXX This is in response to the complaints filed on XX/XX/2022, with the Consumer Financial Protection Bureau and on XX/XX/2022, with the Office of the Comptroller of the Currency regarding your PNC Bank , XXXX XXXX ( PNC ) Performance Select checking account ending XXXX ( the Account ). Thank you for taking the time to speak with me on XX/XX/XXXX and XX/XX/2022, regarding your complaints. I appreciate the opportunity to address your concerns. In the complaints and during our conversation, you stated that you were a victim of wire fraud. You stated that a scammer posed as a trusted source and instructed you to send a wire for the money owed. You stated that on XX/XX/2022, you initiated a wire transfer in the amount of {$25000.00} ( the Wire ). You stated that on XX/XX/2022, you discovered that you were scammed and called your local PNC bank branch to assist. You stated that the bank made no effort to assist you with recovering the wired funds. You stated that you were able to get in contact with PNCs fraud department and you have not heard back from them since they filed a fraud claim on your behalf. You requested PNC refund the {$25000.00} and provide information about the delay in contacting XXXX XXXX XXXXXXXX to recover the funds. A wire transfer is an electronic transfer of funds from one financial institution to another at the direction of a customer of the institution initiating the transfer in accordance with Federal Guidelines. Funds are deposited directly into an account at the institution receiving the funds. Wire transfers are high risk transactions because funds are generally immediately available upon receipt and irrevocable once sent. The customer is responsible for providing complete and correct information to send a wire transfer and may need to verify wire information with the beneficiary. PNC reviewed your assertions regarding this matter and determined that PNC took the necessary steps to recall the Wire in a timely manner. Our records confirm that on XX/XX/2022, you visited a PNC branch and initiated a domestic wire transfer in the amount of {$25000.00} from the Account. As part of the wire transfer you initiated that day, you signed and agreed to the wire transfer terms and conditions ( Agreement ), agreeing to have the funds debited from your Account and sent to the beneficiary according to the instructions you provided. Our records confirm the Wire was processed as you instructed. Please note that PNC can attempt to recall a wire transfer when a customer reports an error or requests cancellation of a wire transfer, but cancellation of a wire transfer and recovery of wired funds may not be possible. Our records reflect that you contacted PNC on XX/XX/2022, to request a recall of the Wire. On XX/XX/2022, PNC sent a recall notice to XXXX XXXX XXXXXXXX. On XX/XX/2022, PNC sent a letter informing you that we are unable to recall the Wire. Our goal at PNC is to offer a level of service that exceeds our customers expectations and I apologize that your experience with this matter did not reflect this. We have shared your experience with the appropriate level of management. We understand that falling victim to a scam can leave you seeking additional information on how to report such activities. You may wish to follow up with your local authorities and file a complaint at www.IC3.gov in reference to your concern of being scammed online. Member of The PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pennsylvania XXXX XXXX / pnc.com Thank you for allowing me to clarify PNCs position in this matter. If you have any further questions regarding this issue, please feel free to contact me directly at XXXX. I am available Monday through Friday from XXXX a.m. to XXXX p.m., XXXX XXXX. Sincerely, XXXX XXXX XXXX XXXX Executive Client Relations PNC Reference Numbers XXXX and XXXX Member of The PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pennsylvania XXXX XXXX / pnc.com | ||||||
| 10/19/2022 | Yes |
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| XX/XX/XXXX Opening and account was the closest thing I could find to not allowing a change to an account. Discrimination based on XXXX and origin, female, XXXX, Honduran. Removing my husband 's name ( white male ) of the checking account. I have a line of credit ( only under my social and my name ) that stands on its own but is attached to my checking account. I was told to first I had to be primary and they changed me to primary ( not sure why I was not primary, deposits only came from me ), and then they could remove him. Both my husband and I were present at this two transactions and he signed to remove his name from the checking. The representative from PNC said she needed authorization. She told me, I had to pay the total of my line of credit in full to remove his name. I asked to be shown in writing where it states that, she stated that it may have not made it into the find print, and it did not have to be in writing. So I had to purchase my account by paying my line in credit to be removed before his name is removed. She said this was to protect my husband, who signed to remove himself from the account and is not on the line of credit. I explained the line of credit is under my name, I am assuming liability. Today XX/XX/XXXX, I talked with customer executive service representative XXXX XXXX, who I explained the whole experience. I explained the representative was not able to provide in writing that I in essence had to buy off the removal of my husbands name by paying my line of credit in full. I received a statement today for my line of credit my payment is {$25.00}. XXXX dismissed this as, we will investigate later but we are denying the removal of his name as there is other wording in the fine print that we " PNC '' reserve the right to deny a name removal. I asked how can you deny if my husband is wanting to be removed? She said I had to open a new account. I asked if there was incentives with new accounts openings. She stated she felt bad for my treatment as I felt I was being discriminated against. stated it was not guaranteed to remove a name from an account. She stated that in contract it says it is not guaranteed and this request was being denied. However, we had already started the process to the point where my husband signed to approve his removal. I explained that the language she is quoting was not the reason I was told I was the name removal was being denied, but she just kept stating the language that PNC holds that right. I explained that it seemed illegal and she should talk with her legal department before making this determination. XXXX asked me what law and only then she would talk with her legal department. I explained there were several FDIC laws or violations that potential are being broken. I am also not a PNC employee and would file this complaint. I filed a complaint with the Federal Reserve, they provided me your information. Concerns I voice to XXXX within the executive team : -Discrimination based on race and gender. -Potentially being forced to open a new account for a quota -Requesting me to pay for an account in full before doing a transaction of removal of my husbands name. I explained this felt like it was illegal and I have not been provided the language where it states this is binding. -PNC representative at branch, telling me that what the past in the contract of my bank account did not matter that it was only the here and now. -PNC representative telling me that it does not have to be in writing for them to force me to pay the full sum of my line of credit before removing my husband. -PNC representative stating that the language she was voicing was in a document of over 40 pages and she could not find it right away. -PNC representative saying there was default, when asked if there was, she admitted there had not been. -PNC representative directing questions of my line of credit and checking account to my husband to it seemed, to find a reason for denial. -PNC representative, when I requested it for it to be in writing, explaining my consumer rights, stating, she did not want to argue about it. -PNC manager stating they do not do this process often and that is the reason the representative at the branch said those things. -PNC manager stating he was not or the representative, neither were direct representatives of the bank. -Executive Representative stating I could open a new account. I asked her to close account. Which stated it could not be done without my and my husbands approval. How is that different than a name change? Above PNC representative in my view, tried to falsify a reason to why my husbands name could not be removed from the account. Executive customer service used different language than previously stated for the reason not to allow name removal. Executive representative stated she felt bad on how I was treated but they are denying the name removal. I also explained it seems illegal for me to have to " purchase '' my husbands name removal by paying my line of credit off when I have not been provided this as part of my contract. She just quoted that they can deny a name removal. I explained after she asked me about the laws the bank had broken, that I was not a PNC employee and it was not my duty, though I had given them a chance to rectify the above to protect PNC, but it is my job to protect myself the consumer. Bank Complaint number XXXX. | ||||||
| 02/28/2019 | Yes |
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| Loan number:XXXX What happened? XX/XX/XXXX I signed for a heloc loan which was due paid in full in XX/XX/XXXX XXXX. or refinanced by XXXX XXXX. because of the financial crisis of XXXX XXXX XXXX merger with national city and pnc bank . I was told to not worry about the XXXX due date and just keep making the payments because they could not find my loan documents and that I would get a new document with a new date for me to sign. I went to my branch a few times to refinance or get information way before the loan due date of XX/XX/XXXX and I was told not to worry just keep making my payments which I did. In all this time I have never been delinquent or asked for a loan modification or any hardship assistance or benefits. I have never been delinquent or late on my first mortgage or my heloc second loan with pnc bank. This loan was for 10 years they have never sent me any documents or paperwork with a new loan due date. In XX/XX/XXXX bank letter I received a letter from pnc saying that my heloc loan borrowing period was ending XX/XX/XXXX and I have 3 options, refinance, pay the balance or may be eligible for other repayment options and I would receive a notice with a change of my minimum monthly payment due. I was never told in writing or verbally that the full loan payment was due now or the urgency involved. I then went to my pnc branch and spoke to XXXX she told me I could not use the credit line any more and my interest and payment would go up monthly that i was better off refinancing the loan for a lower interest rate and monthly payment instead of continuing to pay the higher amount. I also had called the bank and spoke to a few more people looking at what finance options I have the answers were all different. In XXXX I spoke to the pnc loan officer XXXX and filled out an application because he sounded more knowledgeable and gave me better information and options to refinance or get an installment payment loan and had explained to me all my finance options. I filled out the application and submitted it. I was denied because of serious delinquencies on my heloc loan and the loan was closed and in default triggering my bad credit score. That is impossible because I have made all of my payments on time. Loan officer told me this is why my loan was denied and I had a hard inquiries from pnc that also lowered my credit score. I also for the third time asked for copies of my heloc loan and he requested them but I never received them. I had asked for this before at least twice from the bank and have never received them. My loan officer told me to request an extension that I would get that no problem but I also was denied an extension for no reason. I told him I was denied for an extension he was shocked and baffled when I told him this. I received a copy of my credit report it show that I was behind on my second mortgage payment and that I owed a XXXX XXXX bill of {$250.00} I called the company they told me they did not receive payment and I authorized them to take money from my account which they did and marked the account paid in full. I also seen the pnc heloc loan had late payment of {$23000.00} for the full amount and the account was closed. which they never notified me that the account was closed and the full amount was coming due and needed to be paid in full. The heloc loan had an XX/XX/XXXX due date not a XXXX due date. The bank never sent me any paperwork or documents extending my due date or when it would be due in full. I always got the run around. Considering I have more that {$120000.00} of equity in my home I would never default or let the bank take the property. I would prefer to refinance or sell the house and pay the bank the money owed and not risk my retirement savings. But I never received any documentation or proper legal notice of my due date. A 30 day notice is not enough time to do anything. When I got my heloc loan I signed papers and I knew way in advance that the loan would become due in XX/XX/XXXX. If I would have gotten proper and reasonable due date of at least 1 year or 6 months advance notice and not had the fraudulent inaccurate reporting to the credit agency this could have all been probably fixed and avoided. today I continue to make all my payments and I am not behind on any payments as agreed upon by the terms of the loan and that for this reason I am not in default triggering a foreclosure or the loan being called due. Now I called the bank and they told me to speak to there bankruptcy department. That does not make any sense. I have also been waiting for my legal heloc loan documents that I signed and have requested 3 times. I am requesting these documents again saying the loan is due and must be paid in full XX/XX/XXXX. I feel sick and discriminated against by this bank in the way they have treated me unfairly and unjustly. I have health issues and have been able to make all my payments till the present time. The only hardship I have was created gross negligence and fraudulent deceptive practice of pnc bank. Supporting documents : heloc loan documents payment printout to bank on loan matured note demand stating the loan was payable in full on XX/XX/XXXX credit report showing credit score and what has been reported by pnc bank. bank letters pnc bank XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX corporate office HEADQUARTERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ||||||
| 05/16/2017 | Yes |
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| This is the complaint regarding the {$720.00} charged my checking account XX/XX/2017 ( ref PNC M erchant XXXX ) Account # XXXX XXXX XXXX XXXX I have been a PNC cu stomers for long time already. At the end of XXXX 2017 I got phone call from XXXX XXXX ( XXXX XXXX XXXX , XXXX ID : XXXX , PNC Ban k, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX , ( p ) XXXX | ( f ) XXXX XXXX XXXX XXXX ) Sh e was asking if am ok with my accounts. I said I am ok but I am still confused what kind of fees I am paying to PNC every month and there is no detailed statement regarding fees. PNC just charges ig ht stamount of total fees with no explanation where these fees came from, how it was calculated. I was asking to help me to understand what is going on with these fees. Also, I said all my accounts still not connected together as promised before. I cant see them together under the same login online. She said I have to stop by at the branch and we will figure out how to fix everything. I visited XXXX next 1-2 da ys. We did revise all accounts I have, including the merchant service. I said I go t letter from PNC 1 day ago and I have it with me. PNC was asking me to contact them because I didnt activate the merchant device/terminal for credit card. I remind her that I got the merchant ONLY because it was kind of package and I was not going to use it. My main goals were to get unlimited cash deposits with no fees to my checking account and making Cheshires checks with no {$10.00} service fee. She said I dont need to do anything now with this letter and she will check what kind of package will work for me better if I dont use merchant at all . In 1-2 days I got form by email to connect all my checking accounts together, but I never got any u pdates about my services, or what I need to change if I need to. As XXXX recommended me, I was just waiting for information from her. By the way, I am doing the same thing right now. I am waiting to be contacted as they promised. Periodically, I sent them emails to check if they still remember that I have problems and I fill discomfort because my account charged. So, I got the {$720.00} charged my checking accoun t XX/XX/2017 a nd I did contact XXXX by eMail asap then I found it on my account. She promised me to contact merchant account the same day and call me back. Then I sen t one more email next 2-3 days and finally got email from her with excuses she was extremely busy to call merchant service. She was too busy to fix my problem. Sure, this is my problem. Of course, sale is closed and commissions for the sale received. Now customer can wait. Its totally customers problem. I hope I am wrong with this statement. But anyway, XXXX sent me contact of XXXX ( XXXX ). I spoke with XXXX and she promised me to check what happened and she is sure it was misunderstanding. After that I sent couple more email to XXXX and got responds I have to fix the problem with XXXX . I left some messages for XXXX ( all ph one statements available by request ). Finally she said we have to meet at the office in XXXX XXXX . XXXX did call me at the end of the week and scheduled appointment for Monday XX/XX/2017 . She was asking to make appointment at XXXX XXXX , but I said I cant do it, because its too late for me. I need appointment as early as we can do it. Then she said it look like she can do it at XXXX XXXX . I arrived to branch XX/XX/2017 at XXXX XXXX just in case. In 10 minut es I figured out that something is going wrong becaus e PNC guys was trying to call her cell and find out where she is. PNC workers came to me a nd said it looks like XXXX is not going to be at the office, but I can speak with her over the phone. Great! I could do the same thing from my home! I live 1 hour from the branch. I spoke with her 5-7 minutes and she was trying to say my appointment is at XXXX XXXX and it looks like its misunderstanding happened again. Its nonsense, because too many misunderstandings are going on already. So, she said we are going to make conference call soon. I was asking to do it next day XXXX XXXX . She said she needs to confirm it with other people involved to this problem and will let me know. Since that time nobody did call me. So, now I am wasting my time, traveling to PNC branch It looks like it happened because some PNC workers doesnt really know what k ind of accounts and services packages their company has, if the services have contracts or cancelations fees. I dont want to think the workers new that merchant service has 3 years contract and {$720.00} cancelation fee and just did not tell me about it, but just gave me tons of papers to sign up. I understand that workers need to sell accounts and services, because its their job. But they have to do it responsibly. The customers should know everything what can hurts them later. Now it looks like it was one big mis understanding then I came to XXXX XXXX office of PNC and did open accounts there. I can give you all my permits if you need them to check the web cameras with my meetings in the PNC office, phone call records, and emails to verify all my words. Let me know if you need anything from my side. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX | ||||||
| 12/08/2022 | Yes |
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| After becoming XXXX of Attorney over my mother-in-law 's finances, I reviewed past financial transactions so I knew what expenses would need to be addressed. I discovered there were several checks written between XX/XX/2022 and XX/XX/2022. All checks were written to the same person. The handwriting did not look like legitimate.Two of the checks were written on the same day. In total there were XXXX checks equaling {$30000.00}. My mother-in-law did not who the person was that the checks were issued to. In late XXXX, after I discovered this issue, we went to a lawyer to see what we should do. I believe the date was XX/XX/2022. He recommended we contact the bank and file a police report. After leaving the lawyers office, I went to the PNC Bank located at XXXX XXXX XXXX in XXXX Michigan. I was told I had to call a phone number and file a complaint over the phone. I believe the phone number was ( XXXX ) XXXX. I went home and filed the complaint that evening. The bank sent me an affidavit for each check that needed XXXX 's signature notarized. I believe it was the evening of XX/XX/2022 that I received a text stating Moms checking account had a low balance of {$0.00}. I knew she had about {$9200.00} in her checking account. The next morning, I picked Mom up and we visited the PNC Bank in XXXX XXXX Michigan. The banker told us the money was still in our account, but the funds had been frozen because of the fraud compliant. We were also told we could not close out the account until the fraud investigation was complete. While I am not certain on the date, I believed I received the affidavits around XX/XX/2022. An appointment was made to get Moms signature notarized on XX/XX/2022. On XX/XX/2022 I sent the paperwork to PNC Bank XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX. They received the paperwork on XX/XX/2022. The postal tracking number was XXXX. Sometime in XXXX I visited the PNC Bank located at XXXX XXXX XXXX XXXX in XXXX XXXX Michigan. I brought all my paperwork related to the fraud case with me. The banker tried to call ( XXXX ) XXXX. The number just goes to a voice mail box stating to leave a message and they will get back to us withing 2 business days. I went home and called the number and left a message. I received no call back. In XXXX, I tried the number again and left a voice mail. I received not call back. I went to the branch located at XXXX XXXX XXXX in XXXX Michigan on XX/XX/2022. I spoke with XXXX XXXX, and he told me we only had 5 days to return the affidavits back to the bank, so nothing was done. He refiled the paperwork while I was at the bank. He told me they would need a couple of weeks to go over the complaint. On XX/XX/2022 I received two pieces of mail from PNC. The first was a letter dated XX/XX/2022 stating our account had been closed. The second piece of mail was a check from the bank dated XX/XX/2022 for the remaining funds in Moms account. I called XXXX XXXX on XX/XX/2022 and asked him what was going on. He told me the case had been closed because I waited more than 60 days to file the complaint. XXXX not sure when the XXXX deadline started. I discovered the problem in XXXX and acted on it immediately. If the deadline started in XXXX ; then why did they even take my complaint? I do not believe they have done anything to try to help us. They never communicated with me as to what was happening. Each affidavit we were required to sign said we would assist the bank and law enforcement in any investigation and participate as a witness in any civil or criminal actions relating to the matter. I assumed the bank would contact the authorities. I do not believe this happened. On XX/XX/2022 I called XXXX XXXX XXXX XXXX in Texas and filed a police report. The case number is XXXX and the investigators name is XXXX XXXX XXXX At the request of the XXXX XXXX XXXX XXXX, I also filed a report with the XXXX XXXX XXXX XXXX in Michigan. That case number is XXXX and the Sergeants name is XXXX XXXX XXXX On XX/XX/2022 a little after XXXX I received a call from XXXX XXXX XXXX She needed to know what city the checks were cashed in as this information would determine what department would lead the investigation. I immediately went down to the PNC branch located at XXXX XXXX XXXX in XXXX XXXX. I spoke with XXXX XXXX. He was not able to give me the information I needed and said he would send the request to the back office for investigation. XXXX XXXX told me he would contact me on XX/XX/2022 to let me know what was happening. It is now XX/XX/2022 and I have received no response. I told XXXX XXXX the police were requesting this information and I needed it as soon as possible. If we are required to assist the bank and law enforcement in any investigation and participate as a witness in any civil or criminal actions relating to the matter, then the bank should also be required to do the same. I am really confused. The banks are always quick to freeze your credit card/debit card if there is unusually activity going on. They immediately contact you to let you know what is happening and request feedback as to whether the activity is legitimate. XXXX checks cleared the bank within a two-week period. The smallest check was {$3400.00} and the largest check was {$9400.00}. That seems like a lot of activity coming from a personal checking account. | ||||||
| 12/17/2021 | Yes |
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| Hello, I have a loan with PNC bank, and it has been a terrible experience. At the beginning of my loan, I was being hit with late fees even though I was never 30 days late. I may have been a few days and or a week late on making a full payment, but never a full 30 days. In time, I was able to start making payments that exceeded the amount I owed every month. I would pay anywhere between {$100.00} to over a {$1000.00} depending on how much I made that month. In XXXX of XXXX I moved to a new apartment. I called PNC to let them know I moved and gave them my new address. In either XXXX or XXXX, I got an offer from XXXX XXXX to refi my car at a better rate. They asked me to call PNC to get my payoff amount, so I did. While on the phone I was asked if I wanted to see if I could get a better rate and be retained as a customer. I agreed. They transferred to someone who told me I was well qualified for a 2 % interest rate, and he needed to collect some information from me. After I gave him my information, he told me someone from processing would be giving me a call to collect documents. Nobody called. I called a week later trying to figure out why nobody contacted me. I was told I didn't qualify for the interest rate promised, and the guy wouldn't transfer to anyone to see if what I actually qualified for. A week later I got a letter in the mail from PNC Bank saying I was rejected because of my credit score. The credit score they disclosed to me was XXXX. Around XXXX or so I noticed I wasn't being sent any statements. I didn't think much of it because I was making monthly payments, electronically through my bank, well over the amount I owed every month. In XXXX of this year, I took a job as a lender and learned about the federal and state laws of lending. As I finished up my training, I started realized again I still wasnt receiving statements. On XX/XX/XXXX at XXXX I spoke with a PNC customer service rep to find out why I wasn't being sent my statements and how much I still owed on the note. The CSR confirmed PNC had not generated a statement for me since XXXX of XXXX. After putting me on hold for a few minutes to find out why she told me the person who she put me on hold to talk said I'm not being sent statements because they mailed me a coupon book. I was trying to remember if I got one, but I really couldn't. The CSR couldn't provide me with a date they were sent. Either way, a coupon book is no excuse for not sending me monthly statements. The next excuse she gave me was I so far ahead on my payments they didn't have to send me statements anymore. I calmly explained to her that overpaying is not a valid reason for a lender to stop sending statements. She had no response. I asked her to start sending me statements again. She said she was not authorized to do so, but would make a request for me. I asked if she would reconfirm the address on file with me. I gave her my current address. She said that was not it and told me my old address was still on file. I called her out because I have received my rejection letter from PNC bank which means they had it, but whoever I spoke with in XXXX & XXXX didn't update my address. The CSR reassured me she was going to make sure it was updated. She also told me someone above her would be reaching out with XXXX hours to handle my compliant. I did not receive a call from anyone until XX/XX/XXXX at XXXX. XXXX XXXX XXXX XXXX who called on the XXXX ) let me a message. I did not have the opportunity to call back right away, however I put a note in my calendar to follow up with her today, XX/XX/XXXX, since I had to leave work early. As I am walking out the door, I receive text messages from XXXX XXXX XXXX XXXX ( my birth mother and father ) all but accusing me of opening accounts in their name. Once again, PNC did not change my address. They sent XXXX and XXXX a letter asking if my car note was opened up fraudulently and as well sent them everything that was supposed to come to me at MY CURRENT ADDRESS! Once again PNC failed to do their job and gave away my account information to people who are not authorized to have it. I called XXXX to ask her why the people that work for her bank can't perform a simple task like changing a borrower 's address. I also asked her why managers are telling their CSR 's to tell customers who over pay don't get statements along with a lot of other questions. She told me she would look into it and get back to me. She wanted to listen to the calls. I provided XXXX with the date and time of my call on the XXXX so she could listen to it. This is textbook UDAP! PNC Bank failed to do the simplest tasks in order to keep me in the dark. I have no clue where they applied my extra payments to the principle of my loan, and nobody I called could give me a straight answer. Not to mention the total disregard for the GLB ACT of 1999 for not protecting my PERSONAL information, XXXX for making a promise about an interest rate that did not come to pass along with charging me late fees when my payments were not late, and the Dodd-Frank ACT since my interest rate is borderline predatorial along with PNC not sending me statements. I could keep going, but I'm sure you get the point. I can not be the only one they are doing this to. It needs to be investigated so these practices come to an end. | ||||||
| 07/14/2023 | Yes |
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| I submitted disputes for several charges that occurred in parts over the course of about a month, resulting in the fraudulent and unauthorized activity on my bank account through online purchases and XXXX transfers I did not authorize from the beginning of XX/XX/XXXX until the end of XX/XX/XXXX, with an estimated total in excess of {$35000.00}. A detailed record of these transactions directly from PNC Bank statements is enclosed. My account information was never voluntarily shared with anyone and the use of my device was not voluntarily given to anyone. These transactions are in error because they were not authorized transactions. To the best of my knowledge, the fraudulent activity was made possible by and began after completing a device swap of my cell phone with an identical phone under my phone warranty program. At one point, these devices had all account details stored and I suspect some fraudulent interception transpired. I cant say for sure, and I have no way to prove who I think did it - but the bottom line is that these transactions were not done by me or authorized by me. In XXXX of XXXX I was forced to close my two retail stores at the onset of COVID and my commercial landlord conducted an unlawful eviction of my business. To this day we are still in litigation. Like many people, I lost my source of income, but in my particular case that was just the beginning of the end for me, my family, my legacy, and even just the basic dignity of human expression and American freedom. Its beyond words how it feels to go from $ XXXX in sales per month to being forcibly stripped of your lifes work and in less than a year find yourself homeless. Part of coping with all of that is I got to a point where I became accustomed to having nothing and fell out of the habit of staying on top of stuff. So when I received a large settlement from when I was hit by a car, I just deposited it all into my PNC account and didnt think much of it nor monitor it in any way that would alert me to the initial fraud that affected my bank account. I brought it to PNC Banks attention immediately when I did notice it, and I was given the impression by PNC Bank that they quickly investigated the matter and returned the stolen funds. I thought that put an end to the misuse of my money through my account. Because a new card was issued by PNC, my old one was canceled, I was assured by PNC Bank that they had thoroughly addressed the problem, and reopening my business was still months away ; it seemed like it was safe to just let my settlement money sit and continue living frugally. Within weeks, however, my PNC bank account was suddenly emptied of more than {$30000.00}, evidently through XXXX transfers transpiring after I thought the situation was resolved. This time, before I contacted PNC, I sought out a solution with the merchants that processed the unreasonable volume of transactions but they would not refund the money. I then notified XXXX directly and tried to initiate disputes but XXXX support refused to process the disputes in bulk. I repeatedly asked for alternative ways to report the fraud through their system, a phone call, or even the postal service and I was unequivocally told by XXXX support that their dispute process of each transaction, one at a time in the app was the only way to notify them of the fraud and dispute the transactions. Obviously, this wasnt true. I then gave up on trying to address this fraud through XXXX and initiated efforts to resolve this directly with PNC Bank. In this additional effort to resolve this, I learned that PNC Bank had only investigated a portion of the original disputed transactions, the excuse I was given was that there were a lot of transactions, which did not sound like an appropriate reason to outright refuse to follow its own dispute procedures. Upon this additional submission of disputes for additional unauthorized transactions, these unresolved prior disputes were also followed-up-on, and I was assured they were properly submitted at that point. I believe the initial transactions I disputed have been investigated and the money has been refunded, but the additional transactions related to XXXX have been improperly denied. PNC Bank also did not provide a provisional credit nor communicate to me that I needed to submit anything in writing. From what I understand, PNC Bank and XXXX jointly decided that the unauthorized transactions were valid based on prior account activity. The possibility of similar prior transactions with the same or similar merchants does not constitute proof that these transactions were authorized - especially when said prior activity consists entirely of transactions PNC had already concluded were fraudulent in the original partial investigation (!!! ). If you look at my account history before the settlement, my spending habits were not at all reflective of what transpired during the period these transactions took place. Upon request, I can also provide the 5 years of business and personal accounts I maintained before I lost everything to COVID which will further prove my point. There appears to be a range of violations by PNC Bank of the Electronic Fund Transfer Act ( EFTA ) and Regulation E after I had given PNC Bank timely notice of the transaction errors. | ||||||
| 08/03/2022 | Yes |
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| My debit card declined while trying to buy a money order for {$510.00} ( transaction total {$510.00} ) at XXXX # XXXX on XX/XX/XXXX. I tried several times using correct PIN, but it declined each time. I left the store and called BBVA. BBVA said the transaction went through & a subsequesnt transaction for {$180.00} went through leaving my account balance at {$0.00}, debiting out my full account balance. I immediately returned to the store ( XXXX supermarket ) to get it straightened out, while on the phone with BBVA. BBVA refused to speak to customer service manager XXXX but opened a dispute for {$700.00}. XXXX XXXX showed me transaction history for the XXXX store assuring me the card declined each time. I did not hear anything until late XXXX when two letters came dated XX/XX/XXXX for separate amounts {$510.00} & {$180.00} both denying my dispute. By phone I was informed the {$700.00} dispute I filed minutes after the card declined was closed because it was filed improperly. When asking if their agents filed it improperly BBVA said " apparently ''. The provisional cedit was removed in late XXXX & on XX/XX/XXXX two days before rent was due again I was informed by " XXXX '' in fraud dept that my debit card was cancelled by the bank & a new one in the mail to me. In late XX/XX/XXXX I went to XXXX XXXX branch trying to speak with someone who could assist me in getting my stolen {$700.00} back. The teller " XXXX '' told me to call customer service, so I called while sitting in the branch ( I had already spent countless hours on the phone explaining the situation to multiple people and just wanted to deal with someone in person instead ). The branch manager took me into a cubicle & called the fraud dept and then left me alone there. The fraud department representative could not give me any information, stating they were " short-staffed, '' and when he asked for the bank branch manager 's employee ID number, she wouldn't give it to me, saying that I did not need it. In XX/XX/XXXX I filed a corporate complaint with XXXX XXXX had a response in writing from the store mgr. XXXX XXXX stating that no money was received from my debit card XX/XX/XXXX, that each attempt was declined, that there was no money order for {$510.00} and no history of either of the disputed amounts ( {$510.00} & {$180.00} ) other than the declines. XXXX insisted they did not have my {$700.00} & to dispute with the bank. I sent by fax ( XXXX ) and by priority mail XXXX to Legal Dept for BBVA ( BBVA legXXXX department XXXX XXXX XXXX XXXX XXXX Alabama XXXX ) the letter from XXXX, copy of my photo ID, bank statements showing the debit ( XXXX ), copies of letters notifying me of unseccessful disputes, and a letter explaining the facts and requesting remedy. On XXXX, I received a call from BBVA saying two new disputes had been opened by them for the respective amounts. Soon after that the merger took place with PNC. After transferring to PNC I received notice that the disputes were closed against me once again, and the provisional credits removed once again. I proceeded to open a dispute at PNC branch number XXXX with manager/vice president XXXX XXXX XXXX That dispute again failed. I requested him to assist me in getting the letter from XXXX to PNC, as I had already sent it to BBVA to no avail. He did not assist me in doing so but only in opening new disputes. I later requested him to assist me in trying to obtain timestamps for the two supposed transactions but he did not assist me in that, saying he was not able to see it in his computer. XXXX XXXX I proceeded to file a police report for the stolen {$700.00} since disputing the error had not worked. The police investigated at the merchant 's location, XXXX with the manager ( who had already communicated with me in writing ) and finding that no money was received by XXXX from my debit card, and that I received no services or merchandise for the money. Upon opening yet another dispute for {$510.00}, I asked XXXX XXXX why he had not asked this time if I had a police report, as he had asked every other time. He said they didnt need it. I provided a copy of the email from XXXX to XXXX XXXX as well as a copy of the police report ( in person & by email ), asking him to please assist me getting it to the persons handling the open dispute, so they could consider the response from the merchant, or AT LEAST contact the merchant themselves. He did not assist me. As advised by the police, I requested XXXX XXXX XX/XX/XXXX & XXXX XXXX to please assist me in obtaining the " authorization codes '' for the supposed transactions, which would have to be present for transactions to go through. He did not or could not assist me. He gave me a number which was not useful, but being still inside the branch, I was able to get another number then get transferred to someone who opened new disputes and escalated them. However, that also was closed against me & provisional credits removed, and I am still without my {$700.00}. As a single working mother with no help, my rent money is crucial to my finances, and should have been returned to me as soon as this banking error was discovered. Instead BBVA ( now PNC ) have failed to properly investigate, sweeping it under the rug. Their failure is immoral as well as negligent. | ||||||
| 06/15/2020 | Yes |
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| Greetings, I was looking to buy a used car for my family and i was searching online at XXXX for an SUV. I found one that we liked and i contacted the seller, by email and requested a phone number so we can talk. The seller contacted me after about 2 weeks and she asked me for my number and a good time to call. she said she doesn't want to give out her number to people so they won't bother her. the " seller '' XXXX XXXX called me and she sounded like an older lady, she told me that her husband passed away and she has no need for the car .... we agreed to buy the car and I informed her that I don't have the {$25000.00} and that i need to take a loan to pay for the car. she said she will hold the car for me and that she uses an online escrow company to get the money transferred to her, she used them before and everything will go smooth. she directed me to XXXX XXXX XXXX and she uploaded a purchase agreement and she sent me a XXXX report and an XXXX report, i asked for the title she said it is clear, she cant send me a copy because it is with the escrow company and she informed me that she will ship using XXXX. I contacted the " escrow '' company XXXX and discussed the process with them, they informed me that they have the title, it is clean and they checked it with the local DMV. I asked for a copy they said they can't send it for security and privacy reasons and that it will be shipped to me by registered the mail when I receive the car and approve on the sale. the next day on XX/XX/2020 I went to my local PNC Branch In XXXX, I spoke with the loan officer and I told her what was going on, and that I need to get a loan and I want the proceeds to go to an online escrow company to pay for the car that I am buying from colorado. the loan was approved instantly and i signed the documents Loan # XXXX, she informed that the funds will be available the next day and that i should come to the branch to send the wire. the next day on XX/XX/2020 i went to the branch with the wiring instructions that the " escrow '' company has provided me. the account name XXXX XXXX XXXX XXXX XXXX, Address : XXXX XXXX XXXX, XXXX XXXX Florida, XXXX the account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX . I sent the wire that afternoon at XXXX XXXX and i sent the receipt to the " escrow '' company. they informed me that they are working on the shipping process and that the car will be shipped the next day Friday XX/XX/2020 early morning. Friday on XX/XX/2020 I receive a call from XXXX XXXX, she sounded very ill, she said the car was picked up this morning and that i will receive it in 5-7 days and that she will be in the hospital for a week or so. then shortly after I received a text msg from the " escrow '' company saying that the car was picked up and it is on the way to me. I reached out to them by online chat to ask for the tracking info, they informed me that it is not available now, the car was shipped using XXXX and that they will get the shipping info to me by Monday XX/XX/2020. Monday morning I still didn't get the shipping info, I got suspicious. i contacted the escrow company, they told me they still don't have it and they will get me the information by close of the business day. I got more suspicious, i contacted XXXX, gave them the details and they told me that there is no order, and that it is a scam and that i should report it immediately. I contacted PNC Bank around XXXX XXXX and told them what is going on and that i need to recall the wire it is a scam and a fraud. They told me that they started the process and that it takes 3-5 business days to get the wire recalled. I asked if i should file a police report, they told me it is not necessary at this time we do not require that. On Tuesday XX/XX/2020 i called PNC again checking on the status they informed me that they sent a message to XXXX XXXX, and they still haven't answered it. I told the PNC agent, that this matter needs an immediate call to XXXX XXXX to stop the wire and the longer they wait the lower the chance that the scammers get the funds. I informed them that this is a loan and i can not afford to pay it and not having a car. they told me we don't have time to call the process is to send a message and wait for a response. I was furious, I did call the police and filed a report with XXXX XXXX financial crime unit that day. I reported the scam to the FBI and the FTC. I have been calling daily, waiting on hold for more than 1 hr each time to speak to someone and the only thing i hear is, we sent a message and we didn't hear back. they informed me that on Thursday, XX/XX/XXXX they will send another message to XXXX XXXX. I also called Friday, XX/XX/XXXX, and no news. I filed a report with the FBI, the FTC also. PNC bank reps kept telling me that I am responsible for the loan regardless of whether they recover the money or not. PNC did not advise me that these are common scams and that would have saved us from being victims. They know a lot more than me. PNC did not ask for the title of the car and that might have save us from being Victims. PNC did not act fast enough to stop the wire and just sent a message to XXXX XXXX. had they called the Bank we would have a significantly higher chance of recovering the money. | ||||||
| 08/02/2022 | Yes |
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| Hello, I am filing a complaint on PNC Bank due to mismanagement of my funds, inadequate customer service, and refusal to provide me with the bank statements showing payment to a vendor with no refund returned to my bank account during PNC 's acquisition of Compass BBVA Bank in XX/XX/XXXX. In XX/XX/XXXX, I placed a complaint through BBVA during the merger with PNC because a vendor, XXXX XXXX XXXX in XXXXXXXX XXXX had not returned my money as they had promised. I have proof that XXXX XXXX XXXX refunded the money through their digital accounting system. However, I never received the refund of for XXXX transactions paid to XXXX XXXX XXXX for {$100.00}, {$97.00} and {$110.00}. These payments were paid during the months of XXXX to XXXX of XXXX. I made a dispute with BBVA on XX/XX/XXXX while at the place of business and XXXX XXXX XXXX refunded my money that same day after I made the complaint to my then bank, Compass BBVA. However, the refund was not returned directly to my account within XXXX business days. On XX/XX/XXXX, I had received a call and email confirmation from a representative. XXXX, handling my dispute assured me that the dispute will remain open until it is resolved and the merger between PNC and BBVA will not affect it. Additionally, I had shared with the representative the XXXX XXXX payment ledger and email confirmations of the funds being returned. In XX/XX/XXXX, I followed up with PNC about the dispute and I was advised to start it over since they could not find the dispute from BBVA at the time. I did as per their instruction. The representative mismanaged the dispute so it was rejected. I tried to submitting another dispute, had requested the matter be sent to the escalation department emailed all my documentation from BBVA and XXXX XXXX XXXX to their email, XXXX, on XX/XX/XXXX. XXXX with the dispute # XXXX. PNC had sent a letter asking me to give my account in my own words. I did. However, I received a letter stating the dispute was closed because I had never responded. Again, I filed another dispute and it was rejected again immediately saying that the matter had been resolved and the temporary credit was taken back out of my account. It put my account into the negative. I paid it up and went into a local branch XX/XX/XXXX because I was not getting anywhere with customer service via phone. I spoke to two different PNC bank representatives at the XXXX XXXX location. The first meeting was in XX/XX/XXXX and she found the funds were never returned so she submitted another dispute with dates and amounts. Again, it was rejected. The second meeting was in XX/XX/XXXX with another PNC Bank representative, XXXX, and she found the funds paid but not returned. I emailed her the same documentation I had and she said she would forward it along with the dispute. I had requested copies of these bank statements and she said she could not because she was a temp helping out the another branch so I requested that the dispute department to send me the statements. The dispute was rejected again stating the matter has been resolved with no further explanation or copies of BBVA statements. On XX/XX/XXXX, I received a call and voicemail from a PNC Representative, XXXX, who was calling on behalf of my disputes XXXX XXXX XXXX, XXXX XXXX I called back XXXX times that week and no one responded to my messages. As of XXXX XXXX, I had a law office, XXXX XXXX, write a letter to XXXX demanding proof and resolution. No written response to the lawyers as of today. On XX/XX/XXXX, I received a call from another PNC representative, XXXX, on the behalf of XXXX. She explained to me that BBVA had closed my dispute and that is the reason why PNC sent the letters that the dispute has been closed/ resolved as of the end of XXXX XXXX early XX/XX/XXXX. I advised her that it was escalated with BBVA and I have email confirmation from XXXX on XX/XX/XXXX that the dispute will remain open during the merger. Then, XXXX stated it was past the time PNC can dispute it with XXXX XXXX XXXX and said I should contact the vendor again. I advised her that it is not my fault the time ran out and it took about XXXX to XXXX months for the executive office to contact me about it. I advised I do not talk tot the vendor because I had to make a bank dispute in the first place at their place of business in order to get a refund. Secondly, PNC merged with BBVA so they are responsible for the disputes still just as if I owed BBVA money PNC would try to collect it because they took over the previous companies accounts. I advised her this ordeal and lack of consistent communication is affecting my anxiety. The call disconnected because of my cell phone service but she did email me. I emailed a copy of the letter from XXXX XXXX to her and XXXX and asked them to contact the law office moving forward. Additionally, I sent an email to both representatives with all the same documentation between BBVA, PNC XXXX XXXX XXXX and myself. As of XX/XX/XXXX, my lawyer had stated the law office has not received any response from PNC. She recommended for me to file this complaint with Consumer Financial Protection Bureau so PNC can respond to this organization for further assistance. I hope to receive a response from PNC, proof or a resolution. | ||||||
| 09/01/2021 | Yes |
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| At XXXX am on XX/XX/XXXX, I was about to fall asleep when I received a debit notification from my bank about a {$720.00} debit transaction and I instantly panicked because I had not purchased anything at all during that time, let alone from XXXX. I know this because, as my banking history clearly reflects, I dont use XXXX for purchasing anything personally. I dont even like XXXX. I only keep it because I have a few international clients and its the only way they can pay my invoices. So, the money is ALWAYS incoming, not outgoing with XXXX. Aside from that, as I said, I had not purchased ANYTHING from XXXX that moment or even that day. Since it was the middle of the night, I had to wait until the morning to try to get some help. At XXXX XXXX I first called XXXX but that was only to find out that they are closed on weekends! So, at XXXX XXXX, I called BBVA and immediately informed them that I DID NOT authorize that transaction, nor did I have any knowledge of what it was for, or how it could have possibly been charged. The first lady I spoke with said she could file the dispute but theyd have to close my card. So, I informed her to please give me a couple hours to grab some cash out of the ATM to live on for a few days and then after I did that, I immediately called BBVA back and told them to FILE THE FRAUD DISPUTE! However, several days later, when I called to check the status of the refund and ask if they could please expedite it because I was very low on funds, the second person I spoke with in the dispute department advised me that the first lady had closed the dispute and denied it because she lied and said that I told her to forget about it. I NEVER SAID THAT. This was on or about XX/XX/XXXX. That person told me HE would then file the dispute. But when I called AGAIN on XX/XX/XXXX, I was informed YET AGAIN by YET ANOTHER BBVA person that the second person had also failed to file the dispute. That guy then told me HE had filed the dispute but when he wanted to give me the confirmation number, I advised him I was driving on the interstate and I asked if he could please email me a confirmation. He said, No. We dont do that at this bank. We can not confirm anything. Either write it down, or forget it. I again informed him it was unsafe to do that on the interstate ( XXXX XXXX near XXXX the windiest road out there ). He again confirmed he had filed the dispute verbally. THEN, 7 days later, on XX/XX/XXXX, when I STILL had not received my money back, I called and spoke with XXXX at BBVA. He was actually very pleasant to talk to and promised hed help me. He even said everything BBVA was doing to me was wrong, and he was not only going to file the dispute, he was going to escalate it AND send an email that moment to the investigator and ask them to please take care of my case IMMEDIATELY after all Ive been through. This time, I really thought it was going to be taken care of. But I called today to check the status and I was informed that BBVA had just decided to DENY my claimed dispute. When I asked the reason for this denial, he scoffed at me and said, I dont have to give you that information. But I will. They decided that its NOT fraudulent and that you lied about the fact that it was actually YOU who made the purchase on XX/XX/XXXX. Of course, I got very upset over this. I began crying and I explained that Ive been entirely BROKE for the past 2-3 weeks because of this situation, and I also explained that beyond having - {$6.00} in my checking account BECAUSE OF THEM, my utilities are going to be turned off if I dont pay my bill by XXXX XXXX tonight! He laughed at me then hung up. Thats when I called today and spoke with a nice lady in your department who advised me to file this complaint. Basically, BBVA has withheld {$720.00} of MY MONEY that was fraudulently pulled from my account. And when I tried to file the dispute WITHIN HOURS of finding out about it, I was put through the ringer for over 3 weeks! I was mocked, laughed at, lied to, yelled at, called names, hung up on, you name it. This is the worst bank Ive ever dealt with and Im trying to get as far away from them as possible, but I cant do that until I get my money back! And its already too late. I am XXXX. Im XXXX. I live alone. And unless I sign a client AND get their payment tonight by XXXX XXXX and can pay my bills, my utilities will be shut off. And its bad enough that I live here, but my business is run from here, and without power, I wont be able to work and earn a living. All because BBVA has basically stolen money from my account, or at least, when XXXX stole money from my account and I disputed the transaction with BBVA, they have arbitrarily denied to return my money to me. Not only that, theyve literally treated me like human garbage since day one. All I want is my money back. All I want is for SOMEONE SOMEHWERE TO CARE and to help me get my money back. That {$720.00} would at least pay my bills and help me catch back up. I make too much money to be this broke. But thats a lot of money to lose in an instant. And I trusted BBVA to protect my money. And I dont understand their refusal to do the right thing, considering its no loss to them as they are federally insured. PLEASE HELP. | ||||||
| 09/05/2019 | Yes |
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| The purpose of this communication is to make PNC Financial Services Group , Inc., CFPB, FDIC, XXXX, as well as any other party aware of the events my wife and I experienced including fraudulent bank charges, negligence, unacceptable customer service and the creation of bank debit cards in me and my wifes names without expressed consent. Also we believe there is the possibility that PNC never closed our accounts as it is XX/XX/2019 currently and my wife is receiving daily checking account balance email updates. My wife and I have / have had checking and savings accounts with PNC Bank. On XX/XX/2019 we discovered a fraudulent charge on our bank account, in the amount of {$200.00}. The charge was from an ATM in XXXX. Over the course of the next few days my wife and I contacted PNC at least 4 separate times both on the phone and at our local PNC officer. My wife, a joint account holder was told on the phone while speaking to customer service that she did not have the authority to take any action on our accounts. As a side bar I would like to add that this is not the first time she has been told that only I, XXXX is permitted to make account changes, which is unacceptable. Each time we contacted PNC, they refused to dispute the transaction until we contacted them again at a further date in the future. When I visited my local branch to dispute the transaction a member of the staff apologized to me for our experience with customer service on the phone, and told me that there is no reason my wife should have been denied access to dispute a charge, however still I could not dispute the transaction. Finally my wife was able to get the charge disputed, and PNC notified her we would be receiving a fraud packet from PNC in the mail. My wife visited the PNC branch and gave PNC a copy of the police report we filed, and later that day we were issued a provisional credit of {$200.00}. My wife and I decided that the customer service we received and the negligence on the part of PNC in their failure to deal with the fraudulent charge with a sense of urgency was unacceptable. We promptly opened a new bank account with a local bank and began the process of moving our funds out of PNC and switching our direct deposits. On XX/XX/2019 the final day we were set to close our accounts with PNC and end our relationship. On this day we learned that additional debit cards had been created under both my name, and my wifes name. We had not authorized PNC to create these cards. We contacted PNC and were told that what we saw online was correct at least 4 new cards had been created. At this point we had also realized we still had not received any fraud packet from PNC. Very upset at the end of the day we visited our local PNC branch located at XXXX XXXX XXXX. XXXX XXXX. XXXX, NC, XXXX and met with XXXX XXXX, the branch manager at that location. When we inquired about the creation of the multiple debit cards, he told us that PNC has no way of tracking who created the debit cards, online or at a branch location. We asked that he escalate this issue to upper management, and close our accounts. We informed him that if the issue was not resolved we would be making a formal complaint with various financial regulatory agencies. Mr. XXXX informed us that he was unable to close our accounts until Monday. On Monday XX/XX/2019 Mr. XXXX was kind enough to stop by my work place and deliver a check for {$0.00} that was interest that had accrued over the weekend. Later that day he confirmed via email that the account was closed. It is XX/XX/2019 and my wife continues to receive daily checking account email updates, which leads us to believe our checking accounts were never closed. She has called PNC and they are telling her she can only get these turned off at our local branch. On Friday XX/XX/2019 my wife asked me to visit the local PNC branch. During my visit I explained the situation and keeping with the theme of poor customer service the employee offered very little help, and again told us that the PNC representative my wife spoke with was wrong and they could have done it on the phone. She also was not able to see why PNC is continuing to harass us with daily account balance updates even though our account is closed. I sent a follow up email to MrXXXX XXXX on XX/XX/2019 asking for him to double check that alerts have been disabled, and also requested bank statements to be mail to our house. It is currently XX/XX/2019 and I have not heard anything back from Mr. XXXX and my wife continues to get harassed daily by PNC with checking account balance updates for an account that is supposedly closed. I feel as if my wife and I have been extremely patient and generous with PNC, while dealing with poor customer service, and their negligence in handing our accounts. For this reason we are submitting this written statement to appropriate parties and asking that PNC Financial Services Group , Inc., provide satisfactory documentation by mail proving our account is actually closed and complete an internal review of the above described events. Also this letter serves as a written request for copies of all bank statements for the last three years to be mailed to the property listed below. | ||||||
| 08/11/2021 | Yes |
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| XXXX HAVE NOT REMOVE THE All of My unauthorized inquiries, derogatory remarks, late payments, public records, Close accounts close account and student loan accounts removed. Many of these accounts falls under the statute of limitations or are misreporting on my credit report. PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair credit reporting act ( FCRA ) 15 U.S.C1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number:XXXX Dated Filed : XX/XX/XXXX Type of Account : Secured Loan Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Account XXXX Dated Filed : XX/XX/XXXX Type of Account : Secured Loan Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX Account Number:XXXX Dated Filed : XX/XX/XXXX Type of Account : Installment account Address : XXXX XXXX XXXX XXXX, AL XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Account Number:XXXX Dated Filed : XX/XX/XXXX Type of Account : Unsecured Loan Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dated Filed : XX/XX/XXXX Type of Account : Credit Card Address : XXXX XXXX XXXX XXXX, VA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : PNC BANK Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXXXXXX, PA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, OH XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : US SM BUS ADMIN ODA Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Dated Filed : XX/XX/XXXX, XXXX Type of Account : Inquiry Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address:XXXXXXXX XXXX XXXX XXXX XXXX , CA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXXXXXX XXXX XXXX XXXX Dated Filed : XX/XX/XXXX, XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, TX XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, DE XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, DE XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, DE XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX Dated Filed : XXXX XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, DE XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, FL XXXX Reason : This is inaccurate. Account Name : XXXX XXXX Dated Filed : XXXX XXXX, XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, DE XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Dated Filed : XXXX XXXX, XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXXXXXX XXXX XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX, TX XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Dated Filed : XX/XX/XXXX XXXX Type of Account : Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. Account Name : XXXX XXXX XXXX Dated Filed : XX/XX/XXXX Type of Account : Inquiry Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Number : ( XXXX ) XXXX Reason : This is inaccurate. | ||||||
| 01/08/2018 | Yes |
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Web | Older American |
| I have a mortgage with PNC. In XX/XX/XXXX I got a notice from the bank that my homeowners ' insurance with XXXX ( bought thru XXXX ) had been cancelled because the Bank had neglected to pay the premium. The loan number is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX. My phone number is XXXX. My name is XXXX XXXX. Email is XXXX. The property address is my home address The insurance number for the cancelled XXXX policy was XXXX. As a result of receiving that notice, I went over to the bank and inquired as to what was going on. I was told that the policy had been paid and that the letter I received was in error. I thought the problem had been resolved but it had not. I received no notice of further problems until XX/XX/XXXX -- one year later when I received a series of snail mails to my house. At the time the snail mails began, I was out of town and did not return until XX/XX/XXXX. When I saw the emails, I immediately began inquiries. I discovered that my property had been uninsured from from XX/XX/XXXX because the XXXX policy had indeed been cancelled. The bank does have record of my inquiry on XX/XX/XXXX. XXXX began the beginning of a very aggravating story. Needless to say I am furious with the bank ; had there been a claim during the period I was uncovered, I can only imagine the lawsuit that would have occurred. I got a series of emails demanding that I show them evidence that I had had insurance from the date of cancellation through XX/XX/XXXX, with threats to charge me {$2300.00} if I did not prove that I had insurance in the previous year. Of course, I thought I had insurance because I had no idea that the XXXX XXXX had in fact been cancelled because the bank never followed up with any contrary information after my XX/XX/XXXX visit to the bank. The bank did admit that the policy was cancelled because they failed to pay in a letter to me dated XX/XX/XXXX. I immediately bought a new homeowner 's insurance policy with an effective date of XX/XX/XXXX once I was notified that I, in fact, did not have homeowner 's insurance. They demanded that I show them proof of insurance for the previous year. Of course, I did n't have insurance for the prior year because the bank, in fact ( contrary to what I was told at the branch bank ), failed to pay the premium and no one notified me of a problem. I can not, of course, go out and buy insurance retroactively. Repeated calls to the PNC insurance department have gone nowhere. Basically, it is one of those phone numbers where it is press this button, press that button and never get to anyone who has the power to satisfactorily resolve the situation. The last letter I received is dated XX/XX/XXXX. Because I failed to provide them valid insurance for XX/XX/XXXX-XX/XX/XXXX, they assessed my account for {$2300.00} -- much more than I would have paid in insurance had I obtained it for myself -- which I would have done had I known I needed to do it. I did reach them one time and the person I spoke to was named XXXX ( no last name ). He has no direct number. He did leave me a phone message and I responded to that. He said he was " looking into it '' and would get back to me in 2-3 days. He never did. I did ask him why the problem was not emailed to me and/or a phone message attempted. XXXX replied that they always use snail mail and they do n't phone. Of course, he phoned with the message. The address for the insurance department at PNC Bank is PNC Bank, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX The phone number is XXXX. The fax # is XXXX. I assure you that you will have a lot of difficulty dealing with the phone number -- as I did. Interestingly, the bank placed insurance for XX/XX/XXXX-XX/XX/XXXX is with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. The phone number is the same as that for the insurance department at PNC Bank. The policy number is XXXX. Interestingly, the XXXX XXXX phone number is identical to that of the insurance department of PNC. What they are doing is fining me for not having insurance and making a tidy profit since there were no claims in XX/XX/XXXX-XX/XX/XXXX. I have spent hours on this problem and can not resolve this. Basically, I have been told it is my responsibility to have insurance and, if I do n't, they can charge me whatever they want -- never mind that the problem occurred because the bank neglected to take the money from my mortgage and pay the homeowner 's insurance. This problem has brought me to tears because it has just escalated and escalated and the bank is charging me a sort of fine now -- which they will put in their ample pockets -- because they were negligent. Anything you can do to resolve this situation will be gratefully appreciated. This has just escalated and escalated. I never fail to pay my mortgage on time. Thank you very much. This problem has just driven me crazy. If you need copies of the correspondence, please just let me know to whom to send it. I have a large file on this and have preserved all the correspondence. The paperwork is all in snail mail so I could photograph it and attach it but it would take a long time. I would rather just XXXX it to you as the XXXX XXXX | ||||||
| 02/24/2018 | Yes |
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Web | Servicemember |
| On or around XX/XX/XXXX, my checking account had a negative balance of - {$2300.00} pending the withdrawal of {$3700.00}. I called the bank and spoke to a representative. I was told that Social Security would be debiting my account in the amount of {$3700.00}, because my husband had passed. I informed the representative that Social Security had nothing to do with that deposit. In turn, I let her know that the deposit was from the Veterans Administration and not Social Security, and that my husband was entitled to the funds that had been deposited. The call ended. Afterwards, I called the Veterans Administration and let them know what I was told by the bank. At that time a representative of the VA told me that my husband was entitled to the deposit that had been made just as I stated. On or around XX/XX/XXXX, my checking account continued to have a negative balance of - {$2300.00} with a pending withdrawal of {$3700.00}. I once again called the BANK and spoke to another representative. She stated that it was not the Social Security Administration that would be debiting my account, that it would be the Treasury Department. At that time, I ended the call. On XX/XX/XXXX, my checking account had a negative balance of - {$2300.00} with a pending withdrawal of {$3700.00}, so I visited the Banking Branch. I spoke to the representative at the front desk and told her what had transpired. She stated that she was contacting the back-end department that had placed the hold on my account. She informed me that the negative balance of - {$2300.00} was correct and that the Treasury Department would be debiting the account in the amount of {$3700.00}, once I made a deposit in the amount of {$2300.00} to cover the debt. At that time, I told her that it made no sense and I left the bank. Later that day I called the U.S. Treasury Department and spoke to an agent. I let her know what was going on with my account at the bank and she told me that as of XX/XX/XXXX, there had not been a non-entitlement issued and that the Bank was illegally withholding my funds. She stated that I could have the bank call her, and she or anyone else who answered the phone could let the bank know as well. I called the bank and spoke to a representative once again letting him know what had transpired with the bank and what I had found out at the Treasury Department. He told me that he would place me on hold, however, we were disconnected. Immediately, I called back and once again letting them know what I was told by the Veterans Administration and the US Treasury Department. At that time the representative stated that she would be handing me over to the department that was responsible for the hold on the account. I spoke to a representative in the Retail Escalation Department and she stated that it was not the US Treasury that would be debiting my account but rather the Banks Treasury Funds Transfer Department. She also stated that it didnt matter that there had not been a non-entitlement issued to the bank. She stated that it was the law that the bank return the funds when a person dies, and money is deposited into their account per the Banks Treasury Funds Transfer Department. On XX/XX/XXXX, there was no longer a pending withdrawal on my checking account in the amount of {$3700.00} but, there was a pending miscellaneous withdrawal in the amount of {$1300.00} which was the balance on the last statement that I received from the bank for the period XX/XX/XXXX to XX/XX/XXXX. Leaving my account with a {$0.00} balance, I tried to do a stop payment or dispute the transaction, however there was not a " stop payment type '' listed for the withdrawal nor was there a withdrawal listed when I tried to dispute it. Subsequently, I have not received any correspondence from the Bank concerning the aforementioned pending withdrawal of {$3700.00} from the Banks Treasury Department nor the Reclaim withdrawal. I only knew of the pending transactions while checking my online banking status. Granted that the online Consent Form covers all of my accounts, products and services with the Bank, National Association, and its affiliates, that are accessible, either currently or in the future, through Online Banking or their websites. But it also states that certain laws and regulations requires the bank to deliver specific information to me in writing, which means delivery of the information on paper, I believe that this is a time when I should have been notified in writing on paper. I am formally disputing the previously pending withdrawal of {$3700.00} from the Banks Treasury Department and the Reclaim withdrawal that posted on XX/XX/XXXX. I would like to know who is correct as far as my account is concerned, the U.S. Treasury Department whose representative told me that there had not been a non-entitlement issued and that the Bank was illegally withholding my funds. Or, the banks Treasury Funds Transfer Department whose representative told me that it was the law that my husbands VA funds be returned to a non-specified agency since he died. And, I would also like to know who has reclaimed my funds of {$1300.00} that was withdrawn by the bank. Sincerely, | ||||||
| 06/20/2023 | Yes |
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| am writing to ask assistance with PNC Bank. Our concern is related to a mortgage we obtained with PNC Bank on XX/XX/XXXX, in the amount of {$150000.00}, interest rate /note rate of 3.390 %. At the time of application, we were instructed by PNC Bank we would receive a discount of .25 % off our interest rate if we set up a checking / savings account with PNC and an auto payment through the account. We do not facilitate our day-to-day banking with PNC but agreed to opening up the account due to the discount. We have followed through opening up a PNC account and auto pay through this account as agreed. Note this is an inconvenience as we do not do our day to day banking at PNC. At or around the beginning of COVID XXXX my wife and I discussed options to support the deposits due to PNC closing down a local branch in our grocery store and other branches having limited hours. We decided to contacted PNC to review our options through their online banking and or using our XXXX account to make the payments and forgo the discount. I contacted PNC and was told by the representative that if we remove the PNC account auto pay, we would be penalized .25 % and this would be now added to our payment. During our conversation she related the .25 % would be added to the note rate of 3.390 % that did not seem correct as we were under the impression, we were receiving a discount from the 3.390 % of .25 % or that what was represented by the PNC representatives. The representative asked to complete some research and get back to me regarding our questions. We did not hear back from PNC over the next month so I again called and was informed if we closed the PNC account and stopped the auto pay via this account, we would again be penalized .25 %. I asked the representative to forward a copy of all the documentations from application we were sent and executed for our review. After 2 additional attempts to receive the paperwork, we received it finally on XX/XX/XXXX. We reviewed the information and could not locate any information holding us to the auto pay or any penalties, note this matched our paperwork we retained from our closing in XXXX. We again contacted PNC and were again told if we close our PNC account and auto pay, we would be penalized. We requested that the representative review the paperwork, on XX/XX/XXXX, we received a letter from PNC that our rate of 3.39 % includes the discount ( it did not state what the discount was ) but did not address the auto pay or closing the account that was our original questions. We contacted PNC I contacted PNC to review as it did not address our concerns and was told that I need to review the paperwork again and again threatened with a penalty if we removed the auto pay. I asked that this issue be escalated. We did not hear back from PNC for several months via many many attempts, but was finally was contacted by XXXX XXXX from their escalation team in XXXX of XXXX. XXXX relayed the same information the previous representative relayed but I asked XXXX to research that he agreed to complete. XXXX completed his research and in XXXX of XXXX he relayed that PNC had made an error and we could now close the PNC account auto pay without penalty. He also stated the discount was in our rate of 3.39 % even though we were told we would receive a discount if we opened up a PNC account and set up auto pay. We requested XXXX to follow-up with written confirmation via email or mail for our protection that seemed a reasonable request due to the historical amount of misinformation. XXXX communicated he could not personally put this in writing that appeared odd but would submit a request. When asked for a timeline he refused but told me he would be in touch, but written correspondence can take a very long time. That was over four months ago, per my records I have contacted XXXX over twelve times for an update, but he will not return a call or provide any additional information. The end of XX/XX/XXXX I decided to contact PNC customer care center and was put through to a supervisor named XXXX XXXX. XXXX read the notes from my file and stated he would communicated my request from an update but would not provide XXXX XXXX supervisor name in case I did not receive an update. I had not received an so on XX/XX/XXXX I visited a local PNC branch and spoke to XXXX XXXX / Branch Banker in effort to receive an update and request for assistance. XXXX stated he would assist and provide an update, but again he stated per their policy if I closed the account / auto pay we would incur a penalty. I am asking for your intervention to obtain written assurance from PNC I will not penalized for closing my auto pay and my consumer account. I fully understand business can makes mistakes, but PNC conduct can be defined as deceptive and misleading. I can only imagine how many consumers PNC are misleading by requiring them to open up accounts through these deceptive practices and conduct. We have attempting to resolve this matter for over 2 years so we appreciate, and I believe other consumers would benefit from your review and investigation. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX | ||||||
| 02/18/2021 | Yes |
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Web | Older American |
| Our mortgage loan dates from the initial closing on our apartment, XX/XX/XXXX. From the inception of our mortgage loan, our mortgage lender ( PNC Bank ) collected money from us for payment of real estate taxes and placed these funds in an escrow account. Taxes on our apartment are paid through a P.I.L.O.T. ( Payment In Lieu Of Taxes ) program. The P.I.L.O.T. reflects an agreement between the developer of the building and the local tax authority, and applies to all units in our building. There is nothing optional about participation in the P.I.L.O.T. For the duration of most of the first year of the loan, our mortgage lender failed to pay the P.I.L.O.T. We first became aware that our real estate taxes were not being paid sometime in the third quarter of XXXX. Around the time we first discovered that our property taxes were delinquent, we called the customer service number printed on our mortgage statement several times, but each time were directed to an automated system. This automated phone system informed us that property tax payments would be handled by PNC, and that there was no need to contact PNC about payment of property taxes. Eventually, we contacted a human being at PNC by phone. After describing the issue, to a customer service rep, we received a letter dated XX/XX/XXXX, stating that taxes paid from your escrow account were applied to an incorrect parcel by the tax office. We were further told in that letter that records with the taxing authority were in the process of being corrected and that our property taxes were current with no delinquencies. In a subsequent letter dated XX/XX/XXXX, PNC notified us that they had back-charged us and debited our escrow account for the late fees associated with late payment of taxes through XX/XX/XXXX, in the amount of {$1400.00}. This was the first time that PNC notified us that they considered P.I.L.O.T. payments to be our responsibility. In this letter, PNC told us that : " Upon further research, it was determined that the pilot taxes were homeowner responsibility, and as such, we have to pull the penalty funds in the following amounts [ totaling {$140000.00} XXXX from your escrow account to repay our corporate account. '' When we objected to this, PNC replied in a letter dated XX/XX/XXXX : " Per our research the Pilot Program was an incentive program given to the Developers to build in a particular area and then was passed on to the Homeowners as an enticement to purchase in the same area. It should have been explained at the time of purchase that this program would be your responsibility to pay as we were not made aware of the program unless the customer notifies PNC of the program. At that time, we can and will add it to the escrow to be paid with the property taxes billed. This program is not offered to everyone and therefore, PNC does not have a way of keeping track of these programs and who is eligible since it is not offered to every homeowner. '' Again we objected to their conclusion that we were responsible for the late fees, and received letters from PNC dated XX/XX/XXXX and XX/XX/XXXX stating that they were still researching our request. After a long break to allow for Covid-19 delays, we again contacted PNC in a letter dated XXXX, XXXX, XXXX. After no response to this letter we contacted PNC by phone and received a written response dated XX/XX/XXXX, this time stating that : " In our earlier research we have found that the PILOT bill was sent only to the customer and therefore not paid by PNC. We stand by our original decision and therefore will not be reimbursing your escrow account. '' We did not receive the P.I.L.O.T. bills for the period in question. We do not know whose fault it is that we and apparently PNC also, did not receive the bills, but we believe that by making escrow of the property taxes a required part of the closing, PNC needs to be the responsible party. As noted above, the P.I.L.O.T. program applies to every unit in the development, and there was nothing optional about participation in the program. The P.I.L.O.T. program is the sole way in which property taxes are collected for units in our development. Not only were we not informed by PNC that P.I.L.O.T. payments were our responsibility, but rather the Closing Disclosure for our mortgage loan spells out the amounts to be collected in escrow, which are equal to the P.I.L.O.T. payments. The Closing Disclosure goes on to state : " Escrow Account For now, your loan Will have an escrow account ( also called an impound or trust account ) to pay the property costs listed below. Without an escrow account you would pay them directly, possibly in one or two large payments a year. Your lender may be liable for penalties and interest for failing to make a payment. '' Each time PNC has contacted us to explain their refusal to pay late fees for tax payments that they failed to make, they have provided a different reason. We believe that, having taken responsibility for payment of real estate taxes at the time of closing, and as noted in their own Closing Disclosure, the mortgage servicer, and not us, should be responsible for payment of late fees. | ||||||
| 11/29/2023 | Yes |
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| We were notified in the middle of XX/XX/2023 that our current mortgage for our primary residence was being transferred from XXXX to PNC. I received only 1 letter from PNC stating that the mortgage was being transferred to them and to not make the XXXX payment to XXXX and PNC would accept payments starting XX/XX/XXXX. On the XXXX of XXXX I spoke with a representative from the PNC mortgage department as I had no information to make a payment and she could not provide me with a loan number to make a payment or accept a payment. She went on to reassure me that it was not a problem, that the information would be sent out soon and that during this transition there would be no late fees for 120 days. I received no information from PNC until XX/XX/XXXX when I received a letter stating I did not have insurance on the home. I contacted my insurance company and confirmed that they had not received payment and that they had sent the bill to XXXX. On XX/XX/XXXX I contacted the insurance department of PNC to confirm what I needed to do to get them to pay the insurance from the Escrow of the loan. I provided all information. Since I now had the loan number I asked about being able to make a payment online since I had a PNC bank account and online account. The person in the insurance department stated they would have to transfer me to that department. I spoke with XXXX and she she stated that there was an issue with my online mortgage account not being connected to all of my other other online banking. She stated it would take a couple of days to process. I confirmed that it would not be an issue to make the payment when the online account was fixed as I was told I would have 120 days to make a payments on new accounts and she confirmed. I told all of the people I spoke with up to this point that I had not received anything from PNC except for the insurance paper. I had received all of the mail from all of my other PNC accounts but nothing on the mortgage. I check 2 days later and there was still no information online. On XX/XX/XXXX I had access to make the payments and I called and spoke with XXXX to confirm if I needed to make separate payments for each month or if I should make 1 payment. She stated that I should make separate payments. I again confirmed that there was no issue with my account and that there were no fees or issues. She confirmed that there were no fees assessed and no issues on the account. I made both of the XXXX and XXXX payments on XX/XX/XXXX. On XX/XX/XXXX I was served with the papers for intent to foreclose. I called and spoke with XXXX and at first she could not understand why we were sent Foreclosure paperwork. She saw that I had made payments on XX/XX/XXXX and I asked about the 120 days and she stated that yes that is what she thought. She emailed a manager and the manager told her that it was only 60 days when an account came over in default. I stated that it should not have come over in default that I did make XXXX payment 1 day late but I paid not only the mortgage payment but also the late fee to XXXX on the XXXX of XXXX and the mortgage was transferred on XX/XX/XXXX. She then stated that there was not anything else she could do so she sent a referral to a XXXX that would call me and then she transferred me to the Foreclosure department. I spoke with XXXX XXXX in the Foreclosure department and he stated that there was no Foreclosure issue since I had made the payment after some back and forth he was able to confirm that my last payment to XXXX was on the paperwork from XXXX but could not state anything in regards to my account coming over in default, whether it is a 60 or 120 day grace period or if this was going to be reported to the credit agency. I received a call back from XXXX in the escalation department on XX/XX/XXXX. I told her all of the above. She stated she did not see anything in my account except the last call and the one about the payment. She said that PNC had been calling everyday to ask about my payment and I told her that neither myself or my husband had received any phone calls. She asked if I had names and time of my calls. I did not have all of the times so I looked at my phone records. I p and provided the information. She stated that she would have the QA department pull the calls. I also confirmed that we did not have any incoming calls from PNC according to the phone logs from the phone company. XXXX called back on XX/XX/XXXX to confirm that the calls had been pulled and that I was given " wrong information. '' She stated that she could not provide the phone calls to me but would send a request to the Credit dispute reporting department to not report the lateness since the PNC representatives provided me with inaccurate information. On XX/XX/XXXX XXXX called back and stated that the Credit dispute reporting department would still report the lateness as " it was factually accurate that the payment was late. '' I disagree since PNC provided me with inaccurate information, they did not send any letters in regards to lateness, they made no phone calls to either party on the loan and they did not charge late fees. | ||||||
| 11/07/2018 | Yes |
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| On Friday Night XX/XX/18 at approximately XXXX-XXXX XXXX I went to PNC Branch in XXXX , GA to use the drive-up ATM to load my PNC Smart Access prepaid card with {$580.00} in cash. I inserted the money into the deposit door and it counted it and verifed {$580.00} was inserted. I verified the amount and the screen started processing it then suddenly said transaction failed, contact financial institution. I waited for a minute or two and my card finally came back out, but none of the {$580.00} ever came back out of the deposit door. The door opened and closed multiple times like it was trying to give me the money but no money ever appeared and finally the machine went back to the welcome screen. I immediately called the number on the back of my card while still at the ATM machine and let them know what was going on, they apologized and said they could see where I attempted to make a {$580.00} deposit and it did not go through. I informed the lady that the money never came back out and she started the process of filing a claim. She later told me that since there was no transaction she couldn't file a claim but would take down everything I had told her and send it to the appropriate person and/or bank for investigation. I asked her what to do at the ATM and rather I should leave or not because I was afraid the money may come out after I leave and she said no it won't come out if it hasn't already as the atm won't do that. Fine. I leave the ATM and finish up our conversation and ask for claim number. She claimed that since she couldn't file an actual dispute that she couldn't provide me with any sort of reference number and told me not to worry it would be forwarded to the appropriate people. Fast forward to Monday XX/XX/18, I called to follow up on this matter and spend 1 HR 32 MINS on the phone getting transferred to 10 different people and hearing 3-4 different stories about the matter. The stores I got are as follows : 1. ) The claim has been denied as the ATM reported no errors and it balanced. 2. ) The claim is still open and hasn't been assigned 3. ) The claim was filed incorrectly on behalf of whomever I spoke to Friday night and that they entered XX/XX/XXXX instead of XX/XX/XXXX. 4. ) That the claim was denied but they didn't understand how it was denied in the first place as no audit had even been done at that point on the machine. 5. ) Finally, the 10th person I spoke with told me that he didnt understand what was going on because it appeared the dispute department handled the claim incorrectly and that he would forward me to someone who could reopen it. I got forwarded to someone who reopened it and they told me that XXXX was assigned to the case and would follow up. Tuesday XX/XX/18 I call again to follow up and again get put on a 1.5 hour merry go round of a phone call and get told everything from the claim was again denied, to the claim was still open and finally a manager who told me the claim was denied as no errors were shown, the atm balanced and that they saw no record of me even attempting to make a {$580.00} deposit on Friday Night. I told her that was impossible as the agent I spoke with on Friday Night was able to tell me that she saw where a deposit was attempted and did not go through and the lady responded that she didn't know what they were looking at cause she saw no evidence of that and told me there was nothing they could do. Finally, I got off the phone with her after getting no help and called back again and specifically asked the agent if she could see an attempted deposit on my card for {$580.00} Friday Night ... she looked and said yes. I explained to her that the manager of escalations just told me that she never even saw evidence of a deposit attempt and doesn't know what yall are looking at. The lady on the phone then told me that it was on the log clear as day and didn't understand what was going on. She put me on hold multiple times, talked to some folks and finally came back and said well it has been denied and there is nothing we can do. What the heck is going on here? Multiple stories, lies and transfers and I have no results and none of my money back to me. I even asked the manager on the phone if cameras were looked at, what was investigated and said video footage will clearly show me putting money in and nothing coming out. The lady told me that the atm video will not show that because they have no coverage of the deposit or withdrawal doors. I demand a through investigation into this matter including every angle of camera footage, total checks of all areas inside the ATM, a investigation into who verified this ATM and an internal review of every recorded phone call to verify this run around I have gotten. My money is missing and PNC Bank is acting like I don't matter and they don't care enough to look into it further. At the end of the day {$580.00} of my hard earned money is missing and I demand justice for this matter. How can I even trust them when they couldn't even get their story straight and even admitted to the claim being mishandled and keyed incorrectly? Nothing makes sense!! | ||||||
| 02/18/2019 | Yes |
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| I CO-SIGNED A 2ND, 3RD AND EVEN A 4TH PNC HOME EQUITY LOAN WHILE MARRIED. PROBLEMS STARTED WITH A DIVORCE. I AGREED TO REMAIN IN THE HOUSE WITH THE KIDS AND PAY THE MORTGAGES. HOWEVER, THE EX DECIDED TO FILE CH 7 BANKRUPTCY AND I WAS NOT GIVEN ANY NOTIFICATION. THE HOUSE WAS NOT REAFFIRMED. I PAY MY BILLS THRU MY ONLINE CHECKING ACCOUNT, ALL BILLS WERE BEING PAID ELECTRONICALLY AND WERE NOT MISSED, I USUALLY HAD BILLS PAID OUT THRU EACH QTR OF THE YEAR. BUT ... 1ST QTR OF XXXX, PNC MORTGAGE UPDATED THEIR COMPUTER SOFTWARE. I received notices in the mail declaring the loan payments weren't made. I logged into the online banking and confirmed payments were processed. I receive additional messages, but the Account numbers were not mine. I went online again. All of my account information was gone! I called, I received a general response " updating system, it will be resolved. We are having lots of problems. '' I continued receiving documents with strange account numbers and my online account information did not re-populate. I reached out to PNC again and it was a nightmare. Each time calling, you must identify yourself and go thru a verification process and explain the nature of the call. After that, I get transferred to either online banking or a loan department, and each time I have to redo the ID process. Only to find out neither can help me. The online department now tells me I can not have online access to the loans because I filed bankruptcy ( I did NOT ). The Loan Dept will not help me because I filed bankruptcy ( I did NOT ). I get transferred to another department that is actually servicing the loan and have to go through the ID process again. I inquire about what happened to my loans? I get a lecture about paying my loans. I explain I did pay my loans, I paid them online. They tell me I haven't paid my bill in months. I explain I don't have access, it disappeared. I explain the inaccurate warning letters I received saying I didn't pay the loans, when I have proof I paid the loans. I explain the inaccurate warnings that had wrong loan numbers. They explained when they updated the system all the loan numbers changed. I asked to have my online access reinstated so I can monitor the payments and balances like I did before. They refused to provide it because I filed bankruptcy ( I did NOT ). I explained I never filed bankruptcy. They explained, well, we don't provide online access to loans that are in bankruptcy. I said apparently you do, that's how you were accepting payments from me before and I want it back to monitor the payments. I have no other way of monitoring. I don't even get statements. My PNC information/contact online profile was updated and correct. When talking to the Loan Departments, they had outdated phone numbers and different addresses, which I had to update each time I spoke with a representative. They confirmed they had statements and documents " turned off. '' These phone calls have went on and on throughout the year. I've escalated phone calls. I've been passed back and forth to heads of departments. I've asked for a point of contact - one person who can resolve this complicated issue, no one could provide a single point of contact. I went into a branch months ago. I was very frustrated. I asked a branch manager for assistance. After waiting, as soon as I mentioned ONLINE BANKING ACCESS - he shut down and said I had to call online banking for that problem, he doesn't deal with that. I just left and said forget it. On XX/XX/XXXX my ONLINE ACCESS was restored, after I called several more times and threw a royal fit and escalated the problem again. I set up Payments to test. It worked, payments went through for each of the 3 Home equity Loans. UNFORTUNATELY, PNC LOAN BANKRUPTCY DEPARTMENT FORWARDED 2 OF THE 3 LOANS TO THEIR FORECLOSURE ATTORNEY. ONCE I HEARD THAT, I CONTACTED PNC RIGHT AWAY AND TOLD THEM TO RETRACT THE FORECLOSURE PAPERWORK ; IF -PNC RESOLVED/EXPLAINED THE LOAN ACCOUNT NUMBERS CHANGING -EXPLAINED NO MISSING PAYMENTS 1ST QTR '18 ( TRANSITION PHASE ) XXXX RESTORED MY ONLINE ACCESS TO PAY AND VIEW LOAN ACCT STATUS WHY WOULD PNC DO THAT? *Now I am suspicious as to why PNC allowed a 2nd, 3rd and 4th mortgage on MY home *Although I can reach PNC by phone, by mail and in person ; No one knows exactly who I should be talking with about my situation ( yes it's complicated ). *I have not received accurate information from PNC bank XXXX *I was not offered a Loss Mitigation Application. I did call and request an application and will complete the application. *I have been on the phone today with approved HUD CREDIT counselors to take every step possible to save my home. *I will do whatever I need to do to stay in my home with my daughter. PNC MAILED A CHECK TO ME FOR THE AMOUNT OF ONE OF THE LOAN PAYMENTS THAT PROCESSED ON XX/XX/XXXX AFTER THE ONLINE ACCESS WAS RESTORED. THEY ACCEPTED PAYMENT FROM ME. BUT MAILED A CHECK TO ME MADE OUT TO ME AND MY EX-SPOUSE THAT FILED BANKRUPTCY. DO THEY EXPECT ME TO FIND HIM AND ask HIM nicely to endorse the check? I CAN'T CASH this CHECK. | ||||||
| 06/22/2020 | Yes |
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| Main Idea : My PNC bank account has been closed for twelve days due an error that was made by a vendor. I have complained to the vendor about their negligence, I have also complained to PNC. I feel that it was PNC 's fiduciary duty ; they did not meet my expectations. They are bound ethically to act in my best interest. I have spent over a dozen hours on the phone ( between the vendor and PNC ), nearly each time I have been emotional crying because I feel so helpless. This is my only bank account. I got paid from my job on Friday the XXXX but I have not been able to access my funds. I haven't been able to buy food, gas, pay bills ( a few of them delinquent now ) all because PNC closed my card. No one from the Security Review team ( XXXX, XXXX, XXXX or XXXX ) have returned my calls even though I asked them to call me to help sort it out. The rep on the phone told me that the security review team does not accept inbound calls and that my problem has been escalated ... I've been told that it has been escalated since the beginning of the situation. This inability to access my hard earned money has taken a toll on me : emotionally physically ( not able to eat, sleep, stressed ) and work ( I'm in sales and under performing because of the stress ). It feels like the security review team is untouchable and tackling disputes is very one way ; no empathy whatsoever. On XX/XX/XXXX, I canceled a lodging reservation. The lodging company overpaid me a refund. My refund should have been {$660.00} ( paid on XX/XX/XXXX ). Instead, the lodging company repaid me {$430.00} three times on XX/XX/XXXX. This was unbeknownst to me until I tried to buy dinner that afternoon. I tried to make a couple purchases online but my PNC Smart Access Prepaid Visa card was declined. This prompted me to go to my PNC banking app on my phone. That's when I noticed the problem. When I called the 800 number on the back of my card, the first thing that I heard was " this card is closed ''. I selected to speak to a representative who told me that the card was under security review due to the error that the vendor made. I asked what could be done and I was told that there was nothing they could do at that point. I was angry that PNC DID NOT alert me about the irregularity on my card. In the past when something suspicious occurs, they will contact me by phone. I feel that time was lost here! After speaking with PNC, I called the third party that booked my reservation, XXXX XXXX Reservations, I told them about the situation. The rep apologized and stated that she would take care of it right then but was sure of when the change would be reflected on my account. The weekend went by, I called PNC again over the weekend and asked if they've seen a change on my account but they just gave me robotic scripted answers. On Monday XX/XX/XXXX, when I saw that nothing was resolved, I spent hours trying to resolve the matter with XXXX XXXX Reservations ( 3rd party ), Delaware XXXX XXXX at XXXX ( actual lodging ) and PNC. The lodging party gave me an invoice to show the refund. I took it into a PNC Branch and faxed it to the XXXX XXXX XXXX ( XXXX, XXXX, XXXX and XXXX ) as PNC requested. I didn't come to learn until later that that invoice was not sufficient. I kept calling PNC to see EXACTLY what was needed, but I never got a clear answer, I was always met with very scripted individuals who were reading notes that were not 100 % updated. I started to lean more on PNC staff in the branch to serve as a liaison with their corporate office. A big breakthrough happened when I met PNC branch manager, XXXX. on XX/XX/XXXX. I really got the sense that he was empathetic and listening to me. He told me over the phone that my account said " Active ''. I rushed over to the branch just as they were closing only to find that I couldn't use the ATM nor could I withdraw funds ... so many disconnects between PNC 's front line, in the branch and their corporate offices. Why did he and his team see that my account was " Active '' but in reality, it was NOT! A.W. then called the security review team at my request and Voila! He spoke to someone ... the ever elusive team members made time to talk to them while I was there. I got a better sense of what EXACTLY was needed. I requested the necessary documentation from the lodging company and on XX/XX/XXXX around XXXX, XXXX. faxed it to the security team, twice for good measure. They confirmed that the fax was received ... .my account is still not accessible. What am I supposed to do? How will I pay for food, gas, bills, rent etc. PNC has never told me why they locked down my entire account ... .why didn't they just put a hold on the overage????????? It brings me to tears to think about the fact that I paid on Friday XX/XX/XXXX, direct deposit, but have not been able to use the funds. How is this legal? Is this FDIC compliant? These are very rough times, I don ; t have any disposable income ... what if I get sick? It's soooo frustrating to know that I have funds but that I can not access them. | ||||||
| 03/17/2021 | Yes |
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Web | Servicemember |
| Please respond to this complaint! I have already provided two complaints. I submitted both of these originally through the federal reserve system, which did not permit attachments. Therefore I am submitting this complaint in order to provide information that will clarify the problems I'm experiencing. I'm also updating the facts of the situation, as I believe it now requires prompt attention. PNC has now refused to accept any payments from me at all in the month of XXXX. In fact, they reversed the payment I made on XX/XX/XXXX, and now indicate that if I don't make a XXXX payment I will be subject to late fees. I have since tried twice to make my monthly payment, once online and once in person, and both were placed in the 'other ' category, along with the original payment which was reversed and not applied to my account. They also removed my ability to use the online system to make principal payments, so I must go to a branch in person in order to make these transactions. They seem to be unaware of the COVID situation. Why unnecessarily put me and others at risk by making me visit a branch? I'm providing three files to support my complaints. One shows the excessive activity on my mortgage account by PNC bank ( 3 parts due to file size ). It is a repeated pattern ; they remove my principal payments then apply them again later, of course collecting the extra interest. They have claimed over the phone that there is an internal system that reflects the correct information, but they have yet to prove that this internal system exists and that my account is being managed correctly. There is a problem with this either way. I'm still not convinced that this alleged internal system exists. But even if it does, that means that the information being provided to me and other mortgage customers is inaccurate. Either way I don't think PNC should be permitted to loan money to anyone unless they can properly account for transactions and provide accurate information to their customers. One of the files shows the inconsistency of the interest of was charged. I was on XXXX XXXX until XXXX XX/XX/XXXX when I retired from the XXXX XXXX after 31 years of service, to include combat tours in XXXX. Therefore, my protection under XXXX expired inXX/XX/XXXX. I was behind on my payments and facing foreclosure, even though PNC received TARP funds to assist homeowners having difficulty. I have since paid whatever I needed to do in order to keep my property. However, as I've stated previously in other complaints, I was overcharged due to the misuse of XXXX for the benefit of the bank, not the Serviceman as intended. For a period of time, the interest rate was XXXX XXXX, but was set to adjust semi-annually to a variable rate of XXXX + XXXX XXXX. The file I've attached illustrates the discrepancy. The letter I received in XXXX XX/XX/XXXX indicated that buy the terms of the mortgage the adjusted rate should be XXXX XXXX. Yet, the statement shows that I'm still being charged XXXX XXXX. They used the XXXX to charge me more money. If the interest rate according to the mortgage is less than XXXX XXXX, that doesn't mean the bank should be allowed to charge soldiers more money. This was not the only time this happened ; it was happening prior starting in XXXX or so and continued through XX/XX/XXXX as I recall. Finally, I'm providing screenshots that show how I've been targeted by disallowing online principal payments. That functionality was 'grayed-out ' for the month of XXXX, obviously to deter me from making principal payments. It is my goal to pay-off this mortgage, which obviously PNC does not want to have happen. The account activity I've shared is obviously not the result of an algorithm but by a person specifically targeting me. I believe the reason for this is because I'm a Veteran, because of their previous treatment of XXXX and the failure to foreclose on my previously. I've worked hard to to pay down this mortgage and do not deserve to be treated in this manner, nor should any other Veteran or any other person period. This function resumed on XX/XX/XXXX at which time my payment was processed by my two other attempts as well as other principal payments were still not processed and the problem continues. I'm not receiving credit for my XX/XX/XXXX payment until XX/XX/XXXX, even though I tried to pay it three times prior to XX/XX/XXXX. The extra interest being earned does not rightfully belong to PNC. I called customer service on XX/XX/XXXX. I asked that since my payment was finally accepted, I would like the additional payments I submitted to be apply to principal, which the customer service agent assured would happen. On XX/XX/XXXX, the transactions of XX/XX/XXXX posted and the payments were not applied to principal as I had asked, but were applied to advanced payments of interest and escrow, a total amount of {$1000.00} that PNC conned me into paying that is now sitting in their coffers while I continue to pay interest on it. This is the type of bait-and-switch that should not be permitted. | ||||||
| 05/14/2018 | Yes |
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| RE : XXXX XXXX Vs PNC Bank. Thank you folks for being there. You have helped me greatly in the past in dealing with this ... well, I don't want to say " lending institution '' they're more a racket than anything and most of the people handling accounts should be terminated or worse ( jailed might be a better word in my opinion ). You were very instrumental in settling a dispute between me and " one '' PNC Bank back in XX/XX/XXXX. Thank you. It was very effective in getting their communication problem back on track for that issue. Unfortunately, I'm sorry, but we're back at it again with a new issue that isn't quite clear to me. I received a notice two weeks ago that " they were concerned '' about my inability to make my payments on the loan I have with them. The first word that comes out of their mouth is foreclosure. Kind of makes me suspicious of their motives and why I said what I did about jail earlier. There 've been some scams I hear lately about unfair or improper foreclosure on honest paying customers. ( hmmmm interesting ). Oh! Not accusing, you understand, but, well, just an interesting observation don't you think? I have not been late or delinquent on " one of my payments since XX/XX/XXXX '' when I opened this account with XXXX XXXX XXXX at the time. It was a Home Equity but the Home Equity was abolished in XX/XX/XXXXwhen I filed Bankruptcy and eventually got a Short Term Home Modification Loan set up at the time. That loan lasted two years and then a new load ( with your five star help ) got set up for a permanent agreement for both PNC Bank and I. I make my payments directly at PNC Bank XXXX XXXX XXXX XXXX OH. I have kept receipts on these payments since XX/XX/XXXX. Come now, PNC Bank, do you think I would be stupid enough to let payments lapse on a " LIEN? '' The first thing I would do is contact PNC Bank if I was unable to make a payment. Not that it would do any good. They don't care ... they don't listen. Legions of other people feel the same. That's why I've had to come to you the CFPB. I took, this document accusing me of needing " help '' no formal letter stating I had missed a payment ( s ) ( impossible if I'm making them at the local branch because PNC hasn't sent me a statement in five years ) to the same branch I always make my payments at. the poor banker, I felt sorry for him ... he was very understanding and contacted Billing or whoever right away. The " claim '' alleged by them is that two account numbers were transposed and the payment was credited to someone else 's account. " Ineptness. '' what can I say. I don't know why they recently gave everyone new account numbers ( XX/XX/XXXX ) I have the letter scanned if you need it but I suspect their ineptness travelled down this path too. A fiasco can always occur when people like this are handling new account numbers and precious information like loans with liens attached to them. The banker and I thought the problem was fixed. The change was " supposedly '' made and everything was fine. Then, Saturday I got some packet I never ordered from them accusing me of " get this '' of " MISSED PAYMENT ( S ) '' plural. OH!!!! Now, it's missed payment ( s ). I don't know how many but I have copies of the last five months of receipts from the local branch. ( hmmm ). Still no formal letter defining these " recently missed payments '' OH MY GOSH BEGOSH! Well, thank XXXX they're " RECENT ''. It didn't take long to put my hands on and scan the receipts for the past five months. It would be funny if it wasn't so sad that former XXXX XXXX XXXX a bank my dear Mother banked with for years has been sold to this ... ... .. ... Still no monthly statements but still I keep taking my payment to the XXXX XXXX XXXX OH branch every month and paying it without fail. The packet wants to " help me '' ( violins and orchestra please with just a little bit of obbligato from the lead voice if you please make it sound " serious '' " sad '' you know like " sack '' " cloth '' and " ashes '' thank you ) " explore my possible options for repaying my debt. '' What in blue blazes are they talking about? " Ineptness. '' I have copies of any documents you may need including the original agreement. Feel free to ask me I have them scanned. I'm sorry for so much info overload already. In short ... they're lying about " missed payments. '' Again, thank you for your assistance in this matter and yes I would love for you to share this information with your website I can not tell you or the world how much I loath PNC Bank. And one other thing This is a message to PNC. I own the house. You don't. You " have '' you " HAVE '' you " HAVE '' a piece of paper stating there is a lien on the property. That doesn't give you the right to invade " MY HOME '' whenever you take the whim. with your ineptness in not properly handling my account.. And harassing me with this monkey nonsense anytime you please.. This .... is .... MY PROPERTY! DO YOU UNDERSTAND???? ( hmm? ) and when the load is paid I'll be rid of you for good. | ||||||
| 01/11/2020 | Yes |
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| XX/XX/XXXX To : PNC Mortgage Re : Formal Credit Dispute : 3 ( Three ) Inaccurate delinquencies : 30, 60 & 90 day. The latest formal dispute ( XX/XX/XXXX ) was successful as PNC agreed to remove the 90-day delinquency reported on my credit. All delinquencies originating from the same issue/account that was not resolved properly from the beginning. After this dispute was filed on XX/XX/XXXX, my credit report was pulled again XX/XX/XXXX, reporting 2 ( two ) additional delinquencies, relating to the same 90 day that is NOW pending removal via PNC. The original credit report that brought all this to my attention ( see attached ) did not show the additional delinquencies, hence the purpose of this new dispute with CFPB. *** This NEW dispute is to request the additional REMOVAL of the 30-day & 60-day delinquencies reported by PNC. ACCOUNT HISTORY : The subject account was Paid-In-Full following PNC ONLINE BANKNG PAY OFF TABS ( See attached example ), yet never closed, charges accrued, credits from PNC were received ( thank you ), but delinquencies were still reported because the various DEPARTMENTS, ONLINE BANKING, and DELIQUENCIES TRIGGERED AUTOMATION which seem irreversible, unless these steps are taken. At the end of the day, the account was never closed, managed, communicated or resolved properly. The main reason it seems PNC Departments and Bank Technologies do not seem to sink. Therefore, once a delinquency is triggered, whether for {$40.00} or {$40000.00}, it can not easily be undone. Although, I was given credits via the Escalations Dept. on my account, with the understanding these problems were solved and behind me. PNC CONTACT TIME-LINE : XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX XXXX- PNC XXXX Branch Manager ( XXXX , Ohio ) XX/XX/XXXX XXXX # 1 ( Escalations ) XX/XX/XXXX XXXX Regional Mortgage Loan Dept - At least 3 other contacts/escalations/complains between XXXX XXXX. These can be references based on the credits received on my account after the conversations were complete. See attached bank statements. XX/XX/XXXX XXXX XXXX : Executive Client Relations - XXXX XXXX responded to my last credit dispute via Consumer Financial Protection Bureau - She was helpful in REMOVING the 90 Day Delinquency reported via PNC Mortgage XX/XX/XXXX XXXX XXXX email/letter from PNC agreeing and removing 90-day delinquency per request To Whom It May Concern : Im requesting for PNC to consider removing the additional delinquencies ( 30-day & 60-day ) reported from XX/XX/XXXX - XX/XX/XXXX ( see attached credit report ) with the same considerations and understanding that lead to the agreed removal of the 90-day. I believe there were mistakes, inaccuracies and lack of proper account management with my Equity Line of Credit ( account # na ). The account was paid in full, in XX/XX/XXXX, based on the account statement daily balance via PNC ONLINE BANKING ( see attached example ). I understood this payment to XXXX out my balance to {$0.00}. I was very proud of this moment as Ive paid this loan like clockwork for many years, as I do my many other PNC accounts and loans, including my Business Accounts. Nonetheless, after each month of accruing balances, which turned into late fees, which then had more fees, I would call PNC to dispute these charges and each time, the representative, whether regional or from escalations/complaint department, sympathized in my situation and the nominal fees and charges were credited. Each time the representative understood my concerns and would fix, what I thought was the problem, by crediting or removing the fees, reducing my balance back to XXXX ( {$0.00} ) As these fees continued and as I thought each time, I was at a XXXX ( {$0.00} ) balance and the PNC representative would properly fix the problem, I could not understanding that the fees continued and the account was still active, given the payments were all made and/or credited after complaining and discussing with PNC. It became very disappointing, unfair and accusatory why this continued. After multiple months of this, finally one individual within escalations was able to officially close out my account and remove all payments and fees. In the meantime, these delinquencies for nominal amounts were reported. Please see all supplemental exhibits showing my account statements with notes to help navigate the timeline and process. Important note, Executive Client Relations has agreed to reverse the 90-day. This precedence should follow the same reasoning to remove the 30 and 60. . I hope youll consider this loyalty and any other miscommunications with the subject account and realize having these delinquencies, even at this nominal amount, has a major negative impact on my personal and business goals and does not reflect my dealings with PNC payments over the years, of which I keep a credit score around the 800s. Thank you for attention, consideration and immediate resolution with this matter. | ||||||
| 10/29/2018 | Yes |
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| On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX of XXXX Georgia. When I got there I informed the XXXX person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX SUV. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from PNC that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX Georgia ran this without my permission. It would seem that every bank that XXXX of XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness. | ||||||
| 07/04/2018 | Yes |
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Web | Servicemember |
| This is a problem caused by PNC bank taking one transaction that caused an overdraft to turning it into eight transactions that caused overdrafts, and doubling the amount of over drafts to maximize fees. This is also a problem with transactions disappearing and reappearing at will and dates of transactions being changed to maximize fees. First I will admit I knowingly and willingly over drafted my account with PNC bank with a transaction of XXXX dollars at XXXX XXXX XXXX that ended up putting my account XXXX dollars in the hole. Now although at the time my mobile app said I had XXXX dollars and change in the bank I knew this not to be true because like a said some transactions had just magically disappeared from their system. PNC blames these magical diappearances on the company they where made with not communicating within a timely fashion with them but I know normally and with and other financial institution on the planet a company has seven days to justify a charge before it disappears. PNC has many scripted excuse for this issue but bottom line it is a problem with their system, they know it and they refuse to fix it because it maximizes fees and allows them to backdate transactions. But back to this transaction I knew I would be over drafting my account by XXXX dollars plus a XXXX dollar overdraft fee totaling to XXXX dollar negative balance in my account. I knew I had the money in another account but I didn't have access to that account at this moment so I would do this put XXXX dollars in the bank on XX/XX/2018 and all would be well. well it was not on XX/XX/2018 I looked at my PNC app and not only one over draft fee but for and the funny thing was my account wasn't overdraft till the first fee hit. Before the first fee, and yes the transactions that had magically disappeared over they weekend had know just as magically reappeared, I had XXXX dollars in my account and when the first of FOUR XXXX dollar overdraft fees hit my account was XXXX dollars. Wrong, I knew immediately what had happened because I just went through this whole process a couple of months ago PNC had redated and backed dated and changed transactions around. Now we go to what I have done to resolve this situation. I called PNC banks customer service number where I talked to Mr. XXXX XXXX. I explained to Mr. XXXX the situation and that I would like to file I complaint. The reason I was filing the complaint was because since I had JUST DEALT WITH THIS same issue a couple of months ago I knew there was nothing he could do about the situation at his level and there was no reason to waste both of our time. During the complaint process I informed Mr. XXXX that I was at work and I would not be home till after XXXX and to call after that time. Mr. XXXX provided me with my complaint number which is XXXX. At XXXX I received a call from XXXX XXXX that went to voicemail because I was at work and she requested at my as soon as could to resolve my complaint. Now remember in my complaint I requested to be called after XXXX because I was at work. I am sure this call was made in hopes of me answering the phone to catch me in a hurried and unprepared state due to how PNC operates. The call of course went to voicemail and after work when I checked my voicemail is when I got that message. I proceeded to get back home an call the number Ms. XXXX which is XXXX. The call was answered by XXXX XXXX and I told her I was returning a call from XXXX XXXX and I would like to speak to Ms. XXXX. Ms. XXXX said that Ms.XXXX was out of the office but she could help me so we proceeded to discuss my complaint. XXXX XXXX than informed me after looking at my account that PNC can only due four over draft fees per day and I had four more overdraft fees coming for a total of EIGHT OVER DRAFT FEES. I told her there is only one transactions that caused the overdraft and there is no way that is caused eight over draft fees. She said that there where seven transactions that have caused XXXX dollars in overdrafts and that was not counting the evans transaction. She even asked me if I would like the order of the transaction at which time I told her I knew the order because I was looking at it on my records. Now of course nothing will match thanks to PNCs magical disappearing and reappearing system. The back and forth continued and became heated. At one point Ms.XXXX asked what I wanted and I told her I wanted all overdraft fees refunded. She said they where justified and that wasn't an option and I told her she was wrong and she knew it and that I would be taking it to a the next level in which she said she was the highest level in the bank and that no one would tell me any different and I told her I meant I would fileacomplaint with the consumer protection bureau and the fdic and anyone else who would listen. She again told me she was the highest level and I said fine I am going outside the bank and the call ended. This is the second time I am dealing with this issue. | ||||||
| 07/02/2022 | Yes |
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| Good Evening, Today on XX/XX/2022 at approximately XXXX I received a call from a XXXX XXXX XXXX fictitious individual ) claiming to be a representative from PNC Bank . This fictitious individual called from the PNC Bank number XXXX. I asked the reason for his call and he stated that my account was compromised as two suspicious transactions had occurred on Thursday XX/XX/2022 approximately at XXXX in the amount of {$1000.00} and immediately thereafter at approximately XXXX on the same date another transaction of {$1500.00} was withdrawn. XXXX XXXX ( who he referred himself as ) stated that his badge number was XXXX. He asked if I knew anyone from XXXX, Illinois and I told him I did not. He went on to state, that in order to recover my funds I would need to log onto my PNC online banking account. I told him that I was proceeding to travel to my local PNC branch located at XXXX XXXX XXXX XXXX ; XXXX, PA XXXX. The fraudster tells the member they will receive a text containing details of a XXXX transfer and I must authorize the transaction under the guise that it is for reversing the fraudulent debit card transaction ( s ). He called me back at approximately XXXX to inquire if I was able to log onto my online banking account as I had difficulty given I don't use this feature. He provided me with 10-digit reference code submitted via text at number XXXX at approximately XXXX ( please refer to attachment PNC Bank XXXX XXXX XXXX XXXX Code : XXXX ). In doing so, {$1000.00} was transferred to a " XXXX XXXX. '' The XXXX XXXX is shown as complete. He proceeded in telling me that I needed to transfer the {$1500.00} but could not do so when it had exceeded the limit and the transactions of {$420.00} left in my checking account had failed as I had reached the limit ( please refer to the attachment of XXXX activity ). While in route to my bank at the branch addressed mentioned above I realized this was a fraudster/scammer as I tried to call the number back which is indeed a accurate number given it is inputted in my contacts when I do in fact call PNC Bank ( please refer to the attachment of call log activity of when the scammer called-approximately time XXXX length of call XXXX minutes and XXXX seconds ). At approximately XXXX I met with XXXX XXXX XXXX Branch Banker ) XXXX ID XXXX ) Number : XXXX at PNC Bank located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX ( please refer to her business card as attached ). I advised her of the aforementioned and also sent her an email ( please refer to email to XXXX XXXX attached ) of the text message of the 10-digit confirmation number. XXXX XXXX along with another banker reported that other PNC Bank consumers were negatively affected by this XXXX scam. XXXX XXXX had worked to close out my original debit card and provided me with a new card and pin number. She advised me to log into my online banking account and change my password which I complied. She insisted that she could not stop the {$1000.00} transaction as it had not posted to my account which I did not understand given I had immediately warned the financial institution while the transaction was still pending. I thought being proactive opposed to reactive would remedy the situation along with having to work to change my debit card information. XXXX XXXX insisted that I contact the bank tomorrow morning Saturday XX/XX/XXXX at the number on the back of my card the same number where all this fraudulent activity began XXXX to inquire if the transaction had posted in order to dispute it. I really did not feel comfortable, was uneasy, and untrusting. With {$1000.00} being removed from my account I needed answers immediately. So I contacted the number the same day XX/XX/XXXX after meeting with XXXX XXXX twice once at XXXX length of call XXXX minutes and XXXX seconds ( see attached call log activity ) spoke with XXXX representative and called again at approximately XXXX and XXXX and spoke with XXXX XXXX for approximately XXXX minutes. XXXX kindly advised me the same as XXXX XXXX stated prior. XXXX XXXX stated that she was notating this matter as fraud and to reach out tomorrow morning to dispute the transaction once posted. I contacted XXXX directly at XXXX at approximately XXXX today for a duration of XXXX minutes and XXXX seconds ( see attached call log ). XXXX stated that they could not assist as the matter needed to be resolved with PNC Bank directly. I have never been involved any fraudulent behavior as such. I thought me being proactive opposed to reactive would have allowed PNC to stop payment to prevent having to file a dispute or funds to be transferred. I have to put my faith in the hands of others to hopefully pray that all of my funds can be recovered. It should be noted that I filed a complaint with the Federal Trade Commission ( please refer to attachment ) for this matter. Please help me and thank you for your time and attention to this matter. Respectfully, XXXX XXXX XXXX | ||||||
| 04/12/2018 | Yes |
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| I would like to escalate to you two very serious matters I experienced at the following PNC branch locations : FIRST INCIDENT Branch Manager-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/XXXX, I visited the above PNC branch and presented two claim settlement checks from XXXX XXXX company drafted on PNC bank in the amounts of {$1000.00} and {$14.00}. Let me explain the very serious matter that occurred below. 1. Upon presenting the check I was told that PNC does not cash insurance settlement checks. When I explained the check was drafted on PNC, I was again told the checks would not be honored. 2. I contacted XXXX on my phone while still at the branch and was instructed by the claims department to have PNC bank verify the check by calling the number in the upper left hand corner of the PNC check. 3. So I then asked the branch to verify the check by calling the number in the upper left hand corner of the PNC check. The branch manager said he would not call to verify the check and the check would not be honored. The branch manager was visibly shaking and seemed very fearful. 4. Frustrated and confused, after having spent an hour begging and pleading with the branch to honor the PNC check, I left the branch and went to a different branch location below. 5. I presented both PNC checks, the branch called and verified the PNC checks and the checks were honored. INCIDENT TWO Branch Manager- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX On XX/XX/XXXX, I visited the above PNC branch and presented a claim settlement check from XXXX XXXX company drafted on PNC bank in the amount of {$3900.00}. Let me explain the very serious matter that occurred below. 1. This is the branch I previously presented XXXX claim settlement checks drafted at PNC bank in the amounts of {$1000.00} and {$14.00} from incident above. 2. On XX/XX/XXXX, I presented a XXXX claim settlement check drafted at PNC bank in the amount of {$30.00} and the check was honored. I explained I would be receiving a lump sum settlement check shortly and would bring it into the branch to cash. 3. On XX/XX/XXXX, I returned to the branch with the lump sum claim settlement check in the amount of {$3900.00} and attempted to open a PNC account, but it turned out the product was not a good fit for me. 4. Next, I presented the PNC check to cash it, and was told by the branch manager that he would not cash the check for a non-customer because of the amount. 5. I informed him that they had cashed the PNC draft checks prior, and requested he verify the check by calling the number in the upper left hand corner of the PNC check per the banks previous procedure in cashing the checks. He said " No '' and that he would not be cashing the check. 6. After that the branch manager, XXXX XXXX, became very intentionally adversarial, rude and unprofessional. 7. I called the XXXX claims adjuster who issued the check on my phone and put the phone on speaker. Initially, the branch manager, XXXX XXXX, refused to speak, so I prompted the claims adjuster, XXXX XXXX, to inquire as to why the PNC branch would not honor the check. The claims adjuster explained that XXXX issues much larger checks and asked why the check was not being honored. 8. XXXX XXXX spoke and said they could not cash the check for a non-customer because of the amount. The call ended. 9. I was accompanied by a friend, XXXX XXXX, a PNC bank customer with PNC accounts. XXXX XXXX attempted to speak with XXXX XXXX regarding the verification of the PNC check. XXXX XXXX told XXXX XXXX she could take it to another branch because he was refusing to cash the check. XXXX XXXX and I inquired if it would be possible to double endorse the check into one of her accounts. 10. The branch manager XXXX XXXX said " yes '' and if we made the deposit inside the branch he would not make any of the funds available, regardless of XXXX XXXX XXXX account status. At this time, XXXX XXXX was increasingly more adversarial, rude and unprofessional. He said we could leave the branch and deposit to ATM. 11. We left the lobby of the branch, frustrated and confused, again after a considerable amount of time spent inside the branch, and drove around to the ATM, double endorsed the check and made the deposit. That is the attached image from the ATM. 12. OnXX/XX/XXXX, XXXX XXXX checked the status of the availability of the funds and was told that the deposited PNC check had not been honored and had been returned to me via US mail. 13. XXXX XXXX and I called customer service for PNC, explained the matter and filed complaint with customer service. This was a one hour phone call. MAJOR CONCERNS 1. PNC bank is not honoring PNC checks drafted on PNC business account with XXXX XXXX company. 2. I was racially profiled by the two PNC branch locations, located on the XXXX XXXX XXXX XXXX, IL. 3. PNC bank branch locations could not point to policy for any occurrences in either of these incidents. | ||||||
| 10/29/2021 | Yes |
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| My complaint is around misleading sales practices, failure to disclose, and failure to adequately perform duties associated with processing of the loan. Misleading sales practices : I called PNC bank on XX/XX/2021 inquiring about their Home Equity Line of Credit product as I had a few questions about the loan terms. I spoke with XXXX XXXX XXXX ( XXXX ID XXXX ). He answered my questions and I informed him I would apply online so the application would get routed to a local loan officer. XXXX told me if I apply through the website the application would just go to a loan processor and would not get the attention of a loan officer and said I should apply through him as he would give it the attention it would need. XXXX did not provide the level of service I was sold on and I realized going through the loan process that XXXX likely sold me this misleading level of service so I would apply through him so he could get the sales credit. XXXX replies to my inquiry were short and would partially address my questions/concerns. It was clear XXXX had no intention of helping facilitate the loan process. Most of my interaction after the application was with XXXX XXXX ( NMLS ID XXXX ). XXXX was unable to adequately get me through the loan processing, which I will describe in more detail later. XXXX was of no help either as his response indicated a disinterest in helping resolve any issues. Misleading sales practices and failure to disclose : During the application process I provided all the relevant information to make a credit decision, personal information, information on assets/liabilities ( via self disclosure and credit pull ), credit score, estimated valuation on the home being secured by the loan, and loan amount requested. At this point I would have expected a disclosure on the interest rate spread over prime I could expect. This was not disclosed and the interest rate was left off of the disclosures provided. I reached out to XXXX several times asking for the disclosure on the interest rate and after avoiding the question on several attempts, provided some canned answer about needing the valuation. I have applied for several HELOCs/Mortgages now and each time, outside of this one, the financial institution was able to provide an estimate of the interest rate pending validation of key factors. After being in the process for 3 months and still not getting XXXX XXXX XXXX the interest rate, even after they had received a valuation on the property ( which I ended up contesting and requesting a full appraisal ), they still would not disclose the interest rate. After I pressed XXXX on this a few more times, he informed me that they do not disclose interest rates over email and told me I would receive a disclosure in the mail. I never received the disclosure. The interest rate should have been disclosed up front. My assumption is that XXXX did not want to disclose the interest rate until we were months down the road so I would have to accept an uncompetitive offer. Adequately perform duties associated with processing the loan : PnC, XXXX, and XXXX collected a lot of personal and financial information, yet were unable to successfully process the loan within a reasonable amount of time. I promptly provided any documentation they needed. After 3 months there is still no resolution or ending in sight. XXXX and XXXX have shown no interest in progressing the loan or resolving any of the bottle necks. Not once did I receive a call from either of them throughout the process informing me of status or what needs to be done to progress. I would provide information or documentation and XXXX would reach out requesting the same information already provide at an earlier point in time. Since the initial valuation on the property came in low and did not consider my pool I had just installed, I requested a full appraisal. As a condition of ordering the appraisal, XXXX made me provide information on sales of comparable properties, something that is public knowledge that she could have done herself as a service. I am not an appraiser/loan processor so why would I be required to provide this information? This demonstrates their terrible customer service. Once the appraisal was order I was contacted by an appraiser who came to the property, took pictures, and documented information about the property. A little while later I get a call from another appraiser requesting access to the property to conduct an appraisal. When I contacted XXXX and XXXX they clearly did not want to take the time to understand the situation and gave me canned answers to why the appraisal needs to happen. Not helpful whatsoever. What happened with the pictures and the information from the first appraiser? Someone came into my home and collected information on my home and PNC has no record of this, hence the second appraiser who reached out to me. I have never experienced such incompetent uncaring people in the loan/mortgage business. | ||||||
| 08/04/2023 | Yes |
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| I was looking for new opportunities online during this process I applied to multip companies through the XXXX job. I got a notification from XXXX this posting meets my criteria so after looking at the job description I applied for the job title XXXX XXXX XXXX position with XXXX XXXX. A few days later I got an email from a company recruiter name XXXX XXXX and mentioned they shortlisted me for the next recruitment process. He then sent me an assessment that needs to be completed and sent it over. I submitted that assessment on XX/XX/2023, and on XX/XX/2023 he sent me another email notifying the company like to hire me as XXXX XXXX XXXX and asked for my info to create the offer letter. During the process, I checked their website and did my homework about the company they claim they are open source company and I also notice the job I applied for through XXXX is on their website plus another front-end developer job also listed. I also check the job description and that matched with the XXXX job description as well. After receiving an offer letter as usual I sign and return it back. In next day he email me and thank me for accepting the offer and mentioned Prior to beginning work, I will get a payment ( check ) that will be utilized to set up my workspace by purchasing the necessary office equipment and software. After I submit the necessary data listed below, HR will email me the employment offer letter so I can sign it. I should start your training as soon as possible. I sent my name, address, and phone number to the following email address XXXX. On XX/XX/XXXX I received my offer letter then I signed and return it on XX/XX/XXXX. on XX/XX/XXXX I got an email back from him mentioning Previously, the company makes the purchase of the materials for our employees but due to logistics issues and repeated errors that have been happening on the receipts of purchase from the vendor, it was decided that all newly hired employees make the purchase of the materials from the company 's accredited vendors while the company provides the funds that would be used for the purchase. If you are able to work for the company for a period of XXXX weeks, the equipment automatically becomes yours and your name has to be on the receipt of purchase to show that you made the order from the vendor. You will receive a text from XXXX shortly as you shall be corresponding with him from here on out. A few hours later I received a text message from XXXX mentioning my information had been forwarded to the finance department for the preparation and endorsement of the check so I can deposit it in order to make payment for the equipment he instruct me to make the deposit via mobile banking. In a text message, he gives instructions on how the cut the paper to check the size after print out and sends a screenshot of the confirmation when done. After I made the deposit he told me further correspondence will held tomorrow when the deposit is available. This check I deposit {$4900.00} in my checking account on XX/XX/XXXX. In next morning I got a message from him asking if the check get cleared so after I check my back account I show the check got cleared so I notify him yes it was available. Then he sends the vendor information to XXXX XXXX XXXX to send {$4900.00} via XXXX and send him the screenshot of the confirmation when it's sent. but my XXXX limit is {$2500.00} after I mentioned him he said to make a {$2500.00} XXXX payment and was asked do I have XXXX or XXXX to make this remaining payment. After I mention I don't have he told me to make a wire transfer to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Routing number:XXXX Account XXXX. So I made {$2400.00} wire payment. All the transactions took place on XXXX XXXX. After an hour later he mention according to the finance department I need to make another payment to the vendor as that would be the final payment for the cost of equipment along with the shipping fee and asked me to Deposit {$4800.00} and let him know when it was done. So I did as usual I deposited this {$4800.00} to the bank on XXXX XXXX and the next morning he told me to send this amount through wire. After I made the wire transfer this {$4800.00} my back stop the wire. Then I notify him I am unable to make any wire so he gave me another XXXX number XXXX XXXX XXXX and sent {$2500.00} and told him I will XXXX the remaining balance XXXX of XXXX. This morning when I check my bank account I got a notification the check I deposited on XX/XX/XXXX was bounced because the signature is not legit. Then after I went to the bank and mention this situation. Then I have been connected with the bank 's online depart and file the dispute file for all three transactions. Because I made a XXXX and wire transfer they are not too confident to get this money back. I also went to my local police depart to file a report of a scam. I tried to contact the XXXX group numerous times but no one picks my phone. | ||||||
| 11/12/2018 | Yes |
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| I would like to file a complaint against PNC mortgage loan officer Mr. XXXX XXXX, NMLS # XXXX, with regards to misleading advice given during a recent loan application. My husband and I have had possession and have been living in our home since XX/XX/2012, with the intention to buy at a later date. We have paid the mortgage, which is currently in the name of my in-laws under PNC loan since our move-in date. During our occupancy, the title has remained in my in-law 's name. Deciding it was time to transfer the mortgage and title out of their name and into ours, my husband and father-in-law visited the PNC branch on XXXX XXXX XXXX in XXXX Indiana to discuss options. Upon arrival, they spoke with XXXX XXXX who put us in touch with mortgage officer, XXXX XXXX. The scenario of this being a family-to-family transfer, with details on our occupancy and title ownership were explained to Mr. XXXX, who advised that a cash-out refinance would be faster and easier to process than a conventional mortgage. He advised us to initiate a quit claim deed, transferring title ownership of the home to mine and my husband 's name would be required prior to proceeding with the cash-out refinance. Following Mr. XXXX instructions, the quit claim deed was executed through XXXX County Indiana on XXXX. Loan documents were e-signed on XXXX. On XXXX, I received a denial notice on our Cash out refinance application, due to " Terms not being met '' and immediately contacted Mr. XXXX to inquire on the details, as we had been assured over the preceding 2 weeks that the process was in order and no " red flags '' were present. On that same day, I received the following text from Mr. XXXX : " Hey XXXX, I've got different news than I think either of us was expecting. Because of title seasoning requirements ( which were not well enough defined considering yourself and XXXX 's scenario ), the UW are going to deny the refinance + cash out. Option 1 ) proceed as a conventional purchase. Might be a better/more direct solution. Interest rate will be lower on your end and funds from equity would be distributed all at closing. We would need a purchase agreement between both parties should agreed purchase price. Once we have the purchase agreement and new application e-signed, I can take care of the rest. Option 2 ) wait 12 months until the title seasoning is met. '' Later that evening, I emailed Mr. XXXX to ask about how the deed, having been transferred to my name under his advisement, would affect my application for a traditional mortgage. On Thursday, XXXX, I received another text message from Mr. XXXX stating : " One thing for sure ( you're not going to like me ), if XXXX 's parents were completely removed by the quit claim deed they will need to be put back on. I'm coming up with a few purchase scenarios/loan types to send over, along with a blank purchase agreement. '' Later that afternoon, I received a telephone call from Mr. XXXX, informing me that the deed transfer would, in fact, affect my ability to apply for a conventional mortgage with PNC. When asked about options for transferring the deed back into my in-law 's name, he informed me that this would most likely cause a " red flag '' when performing a title search as part of the underwriting process and advised that we not change the deed, and that the deed would need to be in my name for a minimum of 6 months in order to process a conventional mortgage application. In that call, he advised that there was no further action available to us to continue the process with PNC and advised me to seek out another lender. This is infuriating, having provided full disclosure that this was a family-to-family transfer during the initial conversation and following his advice regarding the quit claim deed. His failure to evaluate all of the details provided to him ( he was informed from the initial conversation that this was a family-to-family transfer of title and multiple times thereafter ) have resulted in pure frustration for the PNC mortgage process and left me without options. Additionally, there seem to be multiple inconsistencies in the information provided by Mr . XXXX. ( see from the above Mr. XXXX advised both XXXX and XXXX time periods for title seasoning ). While I understand that errors can happen, Mr. XXXX 's gross negligence and advice that I must now " find another lender '' is unacceptable. Due to insufficient research and incorrect advice given by your mortgage employee, I am now stuck in a holding pattern until title seasoning is complete. To this point, I'm still not certain the required amount of time, as I've received 2 time periods from Mr. XXXX. His oversight and incorrect advice have now caused significant delays, not to mention many hours of work on my time to investigate mortgage underwriting laws which should have been apparent to an employee conducting mortgage origination and offering advice. | ||||||
| 05/18/2023 | Yes |
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| I was racially discriminated against by PNC Bank XXXX XXXX NJ on XX/XX/XXXX when I went in to make a deposit and get 3 certified checks. The certified checks in total came to {$23000.00}. I did not have a problem with making the deposit. At the time I had more than enough to cover my request. Initially I'd given the teller my ATM card for the account deposit was complete. It was the teller and XXXX who said she was a banker at the branch reviewing my account. XXXX handed me the withdrawal slip and advise me to write on the back to whom the checks should be made out to. XXXX then asked me for a form of ID. When I completed that information I handed the withdrawal slip to the teller and my NJ drivers license. XXXX and the teller continued to review my account. After a few minutes XXXX walks over to another teller by the name of XXXX to have a discussion which resulted in XXXX coming over to review my account with both XXXX and the teller. After a few minutes XXXX states that my DL information does not match what in their system. I responded by telling her that I was not aware of the information in the system, nor do I enter that information into their system. She then began to tell me for those reason I would not be issued the certified checks. I respond to them that does not make sense to me and that my DL had never been an issue prior to today. XXXX again repeated to me that she was unable to provide me the certified checks as a result of the information not matching. I then advised that if the were not willing to issue the checks then I would close all my accounts with PNC. XXXX said to me that I could not close my account as I had a pending transaction with the {$50.00} deposit that I had just made. I was handed back my ID and bank card denying me access to my funds. I immediately contacted the XXXX number where I made a complaint while in the branch. Concluding my call I left the branch and went home to contact my attorney. My attorney contacted the branch to have a discussion with regard to what I just experienced with not being allowed access to my funds. I was then advised by my attorney to go back to the branch to retrieve my certified checks. Why I feel that this was a XXXX issue, on XX/XX/XXXX I came to branch in the same attire and requested a withdrawal from another account in the amount of {$550000.00}. I provided the bank card for the account and DL as I did on XX/XX/XXXX, I was not questioned about my DL at that time. The teller offered me a room to count the money to make sure there had not been an error in the amount that he'd provided me. I went to the room, counted the money and left the branch. The only difference is that the account that I drew the money from did not have even close to the amount that I was withdrawing funds for the certified checks. Two days after the incident I received a call XXXX or XXXX last initial M the followed up with regard to my complaint. I expressed to her that I felt I had been discriminated against, gave her the information about the incident. I'd also shared that when I discussed with XXXX when I returned about the being charged fee 's for the certified checks and that I felt I should not be charged being that my time had not been valued. The response from XXXX was it's the bank fee. Nor had I been reached out to by the branch XXXX to discuss the incident. XXXX asked had anyone offered to correct my DL information in the system. I advised that I had not been offered that as an option. At no time did XXXX state that it is a policy for a DL to be scrutinized by review the DL number and expiration date to what the bank has in the system. XXXX was going to send my complaint to the XXXX relations department and to expect someone to reach out to me. XXXX XXXX an XXXX XXXX Relations to contact me. I provided him the same information as I did XXXX. XXXX gave apologies for my experience a few times. I'd shared my feelings about being charged the bank fee, and not being contacted by the branch XXXX. He asked would it make a difference if someone from the bank sent an apology letter. I declined as accountability resides with those that had discriminated against me. In the conclusion of our call XXXX offered no follow up to my complaint, or refunding me the certified check fees. As if my experience was business a usual. I was humiliated in front of other customers, embarrassed, an made to feel like I'd come to the bank to pull a scam or conduct a fraudulent transactions, as if I were a thief of some sort. I've been a customer of PNC Bank since XXXX. To have to go as far as contacting my attorney to take out monies that belong to me was not just. I live in a city where there is a strong minority presence. If PNC is not held accountable for XXXX discrimination other people potentially will receive the same treatment because of how the look, and skin XXXX. I am determined to hold PNC Bank accountable for how I was treated. | ||||||
| 11/17/2020 | Yes |
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| I took a trip to XXXX in late XXXX lasting until the first week of XXXX. I had waited for this trip all year and wanted to spend my XXXX holidays there to visit the country and attend a dance festival. It was the worst days of my life instead because of PNC banks irresponsibility to allow to use my PNC travel credit card to obtain cash. I just recently learned about CFPB and thought to launch my complaint to bring my disastrous experience to officials who oversee banks consumer transactions. I had issues with getting cash from ATMS and banks from the very early of my arrival time in XXXX. I did however succeed a couple of times but that completely stopped after I received an alert text message about a transaction in Tennessee using my credit card which was fraudulent. I quickly notified the bank and my card was blocked. Up to this point the banks action was completely understandable aside from the fact that I had problems getting cash before this latest incident. My nightmare began after this ; I did not bring a huge amount of cash for obvious security reasons and trusted my bank. I was desperate to get cash, I contacted the bank visa number countless times that I can possibly remember. I was passed on from one agent to another, from one supervisor to another supervisor from one department to another every day, I had to make most calls late afternoon to late into the night sitting in my rental flat because of time difference. It is standard procedure when one needs a new visa credit card outside of US, visa XXXX would ship one within 24 hours. The procedure calls for filling a report for Visa XXXX and they process it from then on. However, they need an OK from the issuing bank, in my case PNC. In my case I filed that report but Visa XXXX could not process my request and ship me a new card because PNC would decline permission every single time. Every time I had to spend much time to follow up with the bank and played with like a ping pong between different departments. No one seemed to have authority to issue permission. Clearly some bank employees were quite disturbed themselves who completely understood my desperate situation in a foreign land but could not help. Bear in mind, the PNC customer service department is only open during the office hours and they do not provide a direct phone number unlike the credit card helpline with a number on the back of credit card. That meant I had seven and a half hours of time difference and the earliest I could contact them was at XXXX XXXX local XXXX time. I often had to be on and off the phone ( including time when they accidentally hung up on me ) until late at night local time in addition to times spend the rest of the days on the phone or emailing with other PNC phone numbers and visa XXXX. In short PNC ruined my annual vacation time for three weeks. All my time and expenses were wasted because of my, ironically, PNC visa travel card not to mention the stress. I was prevented to even change my flight home since that needed a flight change fee that could only be done by a credit card. PNC let me down in protecting me like other banks do when their customers are in desperate situation even if not at the banks fault let alone when the entire ordeal was caused by PNC incompetency and lack of responsibility. At one time I begged to have a {$300.00} advance cash sent to me to pay for my apartment and even that was refused. I attach to this complaint a document how XXXX XXXX guarantees and protects its customers in similar situations. What was and insult to the injury was when upon my return, I insisted for my case was passed on PNC retail escalation team office ( XXXX XXXX XXXX on my insistence in XXXX, MI. She did nothing but take additional hours of my working time to complete her case report to help the bank process, absolutely no care for my time far from even contemplating for any compensation even after learning all the details. I was an abused customer and a Guinee pig to streamline PNCs bank process, how arrogant! I am a 40 year customer of this bank, unbelievable! I think it is completely justified to ask PNC not just to reimburse all of my travel expenses but also my consultation time to improve their system after spending hours on the phone and email most of it during my regular working time. I have recorded all phone conversations which would attach some here along with some of the email exchanges. I was told that XXXX was recording every single of my conversation. Ironically at one point a supervisor who declared that our conversation was being recorded refused to talk to me when I mentioned I was recording the same call too. PNC is not a bank but is run as a corner grocery store, it must not be allowed to function as a bank and to disservice American citizens as the ample of online customer complaints and reviews speak for this fact. Their license should be pulled by the authorities. | ||||||
| 03/13/2018 | Yes |
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| I am filing this complaint because of misrepresentation and malicious deferral tactics from both of the lenders referenced above regarding the short sale of my property. 1. On or around XX/XX/2018 my property was appraised at {$590000.00} by a professional appraiser. An offer was submitted to XXXX XXXX for {$590000.00} that was not refuted at that time either on property valuation or the calculations submitted on the preliminary HUD itself. 2. On or around XX/XX/2018 PNC requested a payoff letter from XXXX XXXX in order to issue its own payoff letter for the short sale. At that time, a payoff letter was requested from XXXX XXXX plaintiff law firm ( XXXX XXXX XXXX XXXX ), from the XXXX XXXX general customer service line, and from our single point of contact at XXXX XXXX, XXXX XXXX XXXX. The Plaintiff firm stated it would take at least a week to escalate this matter and claims to have sent 3-4 escalation requests through their XXXX portal to XXXX XXXX for a payoff letter. 3. On XX/XX/2018 after seven months in the short sale review and negotiation process, I received a written short sale eligibility confirmation from the primary lienholder XXXX XXXX pending approval from the subordinate lienholder, PNC Bank. That confirmation letter did not mention insufficient time to review, a different fair market value of the property or requirement to increase net proceeds to XXXX XXXX. It only stated that PNCs approval of XXXX XXXX short sale deal had to be received no later than XX/XX/2018 ( Attached ) 4. Again, PNC insisted that in order to issue their payoff, they needed to see XXXX XXXX short sale payoff first. XXXX XXXX could not release this information to PNC because, according to an online chat with XXXX in the loss mitigation department, XXXX XXXX needed a fee breakdown from its own lawyers ( see attached chat transcript of XX/XX/18 ). XXXX XXXX would escalate the request, which would take 3-5 business days. 5. On or around XX/XX/2018 we received a payoff letter from XXXX XXXX, which was sent to PNC, only after asking for it and escalating it over a dozen times. I am certain that without our intervention it likely would not have been sent at all. To date we have not received anything from PNC. 6. As XX/XX/XXXX approached, and in the weeks that followed, my attorneys office contacted both XXXX XXXX and PNC at least 40 times, each time the one lender deferring to the other in order to move the file forward ( see attached call log ). 7. Between XX/XX/XXXX XX/XX/2018 PNC stopped answering their phones because of the merger between PNC Bank and PNC Mortgage. When they did start answering their phones, we were informed, no escalation requests can be made because our new systems are not ready. They also stated that when it came to removing the lien from the bankruptcy process instead of receiving a short sale approval, guaranteeing PNC no money from the proceeds of the sale, they stated you have to do what you have to do and understood that this could be at a loss to them. This has lasted to the present day. Please note : With all its self-aggrandizing PR regarding its Chief Customer Officer, Office of the Customer and customer centered culture, PNC does not provide any direct customer service email address or have a consumer advocacy/escalation department!! 8. On or around XX/XX/2018 XXXX XXXX assured she was working with the investor group directly despite PNCs failure to provide payoff information. She assured that the short sale was in the process of being approved and she would cancel the judicial sale as soon as the investors gave the go-ahead. We asked for an approval of 45 days from the 8th to allow for approval of the short sale itself and XXXX stated that she would confirm with the investors that it would be okay. 9. On or around XX/XX/2018, I received notice that a judicial has been scheduled for XX/XX/2018 due to insufficient time for review, lack of PNC loan approval, home not priced at fair market value and insufficient proceeds for XXXX XXXX on the HUD. Our documentation shows that these reasons are invalid. XXXX XXXX is presumably relying on XXXX XXXX and other web valuation sites that are all currently under multiple lawsuits for the over-estimation of what a property is worth -- often overstating as much as five times the current value of the home itself. Nowhere during the process when it came to valuation were we told our HUD had to be modified to increase the net proceeds that XXXX XXXX would receive. This was the first time we received this information after continually confirming with them that the HUD was approved in relation to XXXX XXXX net. It is our legal position that the actions of both lenders are in violation of RESPA regulations. Under RESPA lenders are obliged to provide both a payoff letter and reinstatement information within 5-7 days of the written request. | ||||||
| 12/29/2022 | Yes |
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| RE : ACCOUNT XXXX Complaint # XXXX To Whom This May Concern ; This notice of great concern, reaches the right person and/or department I hope I will be able to be heard and understood but most importantly looking for some sort of resolution and tie up the loose ends concerning this situation. I use to ne a PNC member well over 10 plus years ago for years. After leaving and coming back but never encounter any of these issues before. I now feel as though I am being held accountable for the fraud department who is put in place to monitor my account from things like this. If this was my fault, I would not have any issues taking accountability of this. During this time, I will say I wish I checked my account more often and been proactive and it's my fault for putting so much trust into a bank I choose to deal with had this down packed and in the bag and its my fault because I thought wrong. So, while calling the bank I was told I didnt have an account anymore and was not being told why no calls or mail was sent to me to let me know what issues my account was facing, not even a text message, but I do get them to verify my account number. As a customer who put way too much trust into this bank and had to then jump through hoops just to get some type of answers because what it seemed like was me getting casted off the island since the bank chose to close me out. However, I was not going to allow this to go un-handled I needed, wanted, and deserved answers just like anyone else. I have been a victim of identity theft and thieves so I this time was going to fight until whats right happens, thats what I do know! Back in XX/XX/XXXX, I spoken with a representative at PNC name XXXX, asking her why my account was closed and she could not give me a straight answer. I feel as though whatever she was looking at on screen at the time she didnt know and wasnt so sure how to explain! I then got representative XXXX who sent me code XXXX and filed a complaint XXXX. I ended up letting him know the poor service experience I have endured, being hung up on and nobody trying to help get to the bottom of what was going on. XXXX did let me know that part of the closure of account was due to some online charges on my account, however, he can agree with what I said about nobody contacting me about the fraud activity but stated that when PNC contacts me back about the complaint he filed for me they will also be able to see where the ball was dropped that could have stopped the decision that was made on my account. But before hanging up he did leave me with saying that the bank can cut ties with anyone they want to a not provide that person any service. So, after opening the complaint I was then contacted by XXXX XXXX XXXX XXXX ) who sent a code ( XXXX ) to verify my account and identity as well. At this point I explained to her about no contact by anyone at PNC. Long story short, Ive broken the situation down top to bottom and guess what happened with that situation? Nothing! While speaking with XXXX I was supposed to get my statements through the mail however, those statement never came in the mail and I kept in contact with XXXX XXXX and told her this a number of times since she said they was being mailed. Not to mention XXXX XXXX was sent a number of correspondences as well to the email she told me to keep in contact with. None of those emails were ever responded to regarding the important information that was needed to move forward with getting this account in dispute status. In closing, I am very aware now since this situation n has happened that banks have a decision and choice not to continue doing business with a person as they see fit. But the problem for me is that Ive done nothing wrong other than allowing myself to be ignored after hearing XXXX XXXX but quite frankly PNC should not have allowed fraud to happen on my account to begin with, especially knowing and monitoring my day-to-day activities. XXXX and I left off getting those fraud charges off my account and haven't heard from the account and then getting my account back as well. XXXX to have seen that I was not properly contacted about what was going on and I am sure the calls are recorded to be reviewed to see exactly where things were going. I look forward to hearing from PNC office of the president or the executive office whichever comes first. I will also be contacting the XXXX XXXX XXXX XXXX XXXX XXXX and also contacting CFPB ( Consumer Financial Protection Bureau ) so that this no longer gets left not being resolved as it has been long enough of a wait. I really just want this to be handled now! I look forward to hearing from someone regarding this matter sooner than later, as it has gone nowhere fast and way to long and just dont want this lingering anymore! Signed a concerned customer with PNC, XXXX XXXX XX/XX/XXXX | ||||||
| 10/10/2021 | Yes |
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| PNC Bank Executive Client Services : Date :. Tuesday, XX/XX/XXXX PNC Bank Fraud Claims Investigation : XXXX XXXX Follow-Up Call To E-Mail : XXXX From Date : XXXX ( ESDT ), Thursday, XX/XX/XXXX My Follow-Up Voicemail Call : XXXX ( ESDT ), Tuesday, XX/XX/XXXX Voicemail ext. 2-Marked Important Requested Follow-Up Call XXXX XXXX, PNC Executive Client Services Tel. # : ( XXXX ) XXXX Monday, XX/XX/XXXX PNC Bank Fraud Claims Investigation launched . Call Summary : XXXX XXXX promised to call me back after speaking with PNC Fraud Department about my XX/XX/XXXX I filed PNC Fraud claims at night in the evening. During this conversation after politely introducing myself and explaining what happened, I simply asked her : ( 1. ) What is the current status of my PNC Fraud Claims? ( 2. ) What are my options as far as having my claims actually investigated? ( 3. ) Why werent my PNC Bank Fraud Claims initially investigated? ( 4. ) I explained to XXXX XXXX the gust of my claims regarding both the XXXX Bus Ticket fraud claim from Friday, XX/XX/XXXX and that also, the fraud claims for all of the unaccounted for online PNC Bank fraudulent debit card transactions are definitely the exact result of my old friend and now long-time stalker XXXX XXXX XXXX , who it appears defrauded me mostly throughout the month of XX/XX/XXXX on or near my birthday because unfortunately shes the only close friend that Ive had over the years who has realized that Ive definitely had a birthday in the month of XX/XX/XXXX, due to the fact that Ive had to give her workplace College Admissions Office and Continuing Education Office all of this information ever since Fall XXXX semester on Tuesday, XX/XX/XXXX. XXXX XXXX XXXX is the Public Information Officer and my former Disability Support Services Counselor at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I waited very patiently every day up until the end of the current business week on the last business day of Friday, XX/XX/XXXX, but I never received a follow-up call e-mail, unfortunately. I also havent received the XX/XX/XXXX PNC Bank bank statements that XXXX promised me and assured me that she would send me in the postal mail. XXXX XXXX was quick to basically shoot down my request so fast in terms of how quickly she denied my request that she simply denied my request so altogether when I requested that she e-mail me my XX/XX/XXXX bank statement. Furthermore, when I also expressed to her that having her send me my XX/XX/XXXX PNC Bank statement via e-mail was the faster and virtually more convenient method of sending me my XX/XX/XXXX bank statement, she was even quicker and more confidently with impressionable back-bone reiterated to me that that she definitely couldnt extend me the courtesy of giving me the PNC Bank XX/XX/XXXX bank statement. XXXX XXXX with a condescending tone of voice, continued to rudely talk over me for the remainder of the duration of the phone call with her both cold and highly dismissive attitude for no apparent reason, inspire of the fact that I was very polite and highly, no wait far too considerate in my tone of voice when speaking to her over the phone. I dont appreciate this type of treatment at all from PNC Bank XXXX Furthermore, I dont agree that XXXX as she claims in her e-mail addressed to me at date : XXXX ( ESDT ), Tuesday, XX/XX/XXXX. Also, in the e-mail XXXX XXXX negligently and dishonestly lied about calling me before in the Thursday, XX/XX/XXXX. I never received any phone calls at all from XXXX XXXX before. Furthermore, I was heartbroken at the fact that XXXX XXXX didnt follow-up with me afterwards, like she deceptively promised me she would, to make matters worse, I definitely, naively anticipated that she would follow-up with me for nothing because I negligently didnt receive a single phone call or e-mail from XXXX XXXX. Overall, unfortunately, there was no further XXXX XXXX all afterwards since last Tuesday, XX/XX/XXXX. This very strange, cold and its definitely very negligent, the irresponsible inability of XXXX XXXX, PNC Executive Client Services to follow-up with me afterwards. I dont feel like PNC took our business client relationship seriously at all and thats ridiculously horrendous, especially, considering the fact that I was a customer with PNC Bank for about 2 years ever since about XX/XX/XXXX. This is definitely terrible because its typically standard procedure for most banks to value long term customers and I was a PNC Bank client for about 2 whole years. This is far too much negligence, in my opinion because its literally 7 months later and PNC Bank is still not giving me a sufficiently satisfactory answer to adequately explain to me the original source of all of these fraudulent online debit card transactions, which occurred on my PNC Bank account during the month of XX/XX/XXXX. | ||||||
| 11/14/2023 | Yes |
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| Regarding : Reference XXXX Yesterday, XX/XX/XXXXXXXX I visited a PNC bank branch and called customer service to file a complaint. In addition, I emailed a complaint to PNC on XX/XX/XXXXXXXX and XX/XX/XXXXXXXX to file a formal complaint about several issues and asked for an update today, XX/XX/XXXX. On XX/XX/XXXXXXXX I received a letter from the PNC bank branch in XXXX, TX stating that I had until XX/XX/XXXXXXXX to provide additional information on two disputes I submitted. I disputed two charges for services that were never provided. The letter received from PNC stated that If no additional information was received, PNC would be ready to complete the investigation based on the information they currently have. I visited the bank branch because I never received the dispute update letter in the mail. PNC customer service and PNC bank operations gave XXXX ( PNC bank branch teller ) the run around in providing the letter which almost delayed my response however after 1 hour of waiting in the branch XXXX was finally able to receive the document. I am requesting an immediate provisional credit on items paid to XXXX on the following dates : XX/XX/XXXXXXXX - XXXX XX/XX/XXXXXXXX - XXXX total - {$10000.00} I retained a lawyer on XX/XX/XXXXXXXX to file a lawsuit against XXXX XXXX XXXX Credit bureaus for willful violation of my rights under the FCRA. Since this is an FCRA case, I wanted to apply for new lines of credit since the XXXX. collection ( XXXX XXXX XXXX ) account popped up on my XXXX credit report after paying XXXX. My attorney advised that I apply for a new line of credit because if denied, that would demonstrate actual damages he could add to the lawsuit due to the suffering caused by the inaccuracy on the XXXX credit report. I requested to apply for a business line of credit and business card several times during the month of XXXX with XXXX XXXX ( PNC ). On XX/XX/XXXXXXXX PNC Bank listed two soft inquiries on my XXXX credit report. XX/XX/XXXXXXXX I emailed XXXX XXXX ( PNC ) requesting he either provide the decline letter or approve the business line of credit and business credit card. I have yet to receive an email from XXXX with this information as of XX/XX/XXXX. Additionally, I am formally complaining about XXXX telling me to wait to apply so I could " have the best chance '' at receiving an approval. Those statements on our recorded phone calls were a clear type of discrimination. XXXX would have never told any of my XXXX counterparts to wait and actively prevent them from applying for a business line of credit and business credit card. Furthermore, if any of my XXXX counterparts would've requested a business line of credit and business credit card with near XXXX credit scores they would have been approved. In addition to consistent business top line revenue during the months of XXXX there were {$47000.00} in deposits. During the month of XXXX there were {$24000.00} in deposits. During the months of XXXX there were {$29000.00} in deposits. During the months of XXXX there were {$27000.00} in deposits. During the months of XXXX there were {$5100.00} in deposits. The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics. If you listen to my calls with XXXX and evaluate all of the facts you will find there was disparate treatment, competitive evidence of disparate treatment and obvious evidence of disparate impact. As PNC bank knows, XXXX XXXX XXXX XXXX XXXX XXXX certified minority business enterprise and disadvantaged business enterprise. The corporation holds certifications with the XXXX XXXX XXXX XXXX, State of North Carolina and XXXX of Tennessee. During the month of XX/XX/XXXX I personally had to go through an exercise with the XXXX XXXX XXXX XXXX to determine the corporation meets the social disadvantage criteria for certification. Economically disadvantaged individuals are socially disadvantaged individuals whose ability to compete in the free enterprise system has been impaired due to diminished capital and credit opportunities as compared to others in the same or similar line of business who are not socially disadvantaged. Having to go through this exercise just last month, I believe that I was discriminated against and ask the bank to either approve the business line of credit, open the business credit card, investigate my claims of discrimination, and/or email me a decline letter so that I can forward to my attorney regarding the FCRA case XXXX Lastly, during my call yesterday XX/XX/XXXX with PNC bank operations I was finally told the following information regarding my application submitted with XXXX XXXX : PNC application number XXXX ( business line of XXXX credit card XXXX XXXX submitted - XX/XX/XXXX Date declined - XX/XX/XXXX | ||||||
| 03/08/2023 | Yes |
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| XX/XX/XXXX I contacted PNC bank and asked if I could initiate a Foreign Bill of Exchange at the local Branch. The Agent over the phone was not sure of the question thus repeating the questions multiple times. She the Agent placed me on hold and transferred me back into the que to be assisted by someone else so I disconnected the call and after four attempts I was placed on hold. I then spoke with an agent over the phone whom works at the local branch of PNC and asked if I could process a Foreign Bill of Exchange and she placed me on hold to confirm it and then returning to confirm that it could be done at the current location however, I would need to provide two forms of identification. The following day around XXXXXXXX XXXX I entered into PNC to file a Foreign Bill of Exchange, speak with someone about establishing a irrevocable trust fund account in addition to speaking to someone that could make amendments to an account that I opened to add it upon my XXXX XXXX statement. I was told to have a seat as the female teller never done it before and would therefore need the assist of her bank manager to guide her. I politely took a seat and while sitting XXXX other agents came to me to ask had I been seen due to the fact I had been sitting for more then 40 minutes. Another Employee asked what I informed her of my needing help with and she stated she did not know what that was but the bank teller XXXX could assist me as he know how to process the Foreign Bill of Exchange. I proceeded to the bank teller to process the bills of exchange. The Manger of that Branch XXXX XXXX proceeded beside the male employee ( XXXX XXXX and asked what did I needed assistance with. I again informed her XXXX what I needed to do. I handed her the negotiable instrument and ( Bill of Exchange ) and then stated to her I wanted to also open a irrevocable Foreign Trust Account and make some amendments to my bank account. She dismissed the last two statements I made thus handing me back the Foreign Bills of Exchange quickly saying oh we dont do that here I then said I called four times yesterday ( XX/XX/XXXX ) and was told that it could be completed at this location. She then stated that no PNC offers that type of service. I then stated to her that any member of bank can process it as it it a negotiable instrument and in order to dishonor the negotiable there would have to be fractions within the negotiable instruments as she did not review the Foreign Bills of Exchange however, quickly refusing to acknowledge it thus refusing to process it. I then informed her that PNC did in fact offer the services as the Federal Reserve accepted announced approval of its application on XX/XX/XXXX under section 3 of the Banking holding Company as PNC Bank holding company Register under the BHC Act, PNC is subject to comprehensive, consolidated regulation, supervision, and examination by the federal reserve. The Branch Manager then stated again with a more harsh tone WE DO NOT OFFER THIS TYPE OF SERVICE HAVE A GOOD DAY thus turning her back and walking away. She refused to assist me in honoring the negotiable instrument. I contacted the bank by phone and requested to file a complaint on Monday XX/XX/XXXX thus providing my contact information to an agent over the phone. XX/XX/XXXX I received a phone call by XXXX regarding the matter to which is at hand however I missed her call as she left a message and I was able to return the call but someone else assisted me who stated that she could assist me. She informed me she was from PNC bank executive client relations and I explained to her of what I was entering the bank to accomplish thus being discriminated upon and denying me the very right to process a Foreign Bill of Exchange. While on the phone with her ( I do not recall her name ) she made several statements that were alarming stating such as what lawful money is. And PNC does not take the liability of anyones debt. I informed her that her very statements she made was to be cautioned because I am aware of what a legal Tender of Payment is, what a fiat currency is and what a negotiable instrument is, in addition, PNC was not taking the liability of any debt as that was not what I came into the bank to achieve as her statements were implied as if I was attempting to defraud the bank. I then stated that The Bills of Exchange Act to which was established states the rules and procedures thus all rules and procedures were followed when the Bills of Exchange was created however, the branch Manager violated several codes that had nothing to do with race but the rights of individuals that were entitled to construct a foreign bill of exchange to resolve and settle any obligation. She then begin to state PNC followed all guidelines before quickly disconnecting the call. | ||||||
| 04/29/2020 | Yes |
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| On XX/XX/2020 I contacted PNC Bank regarding the XXXX payment and I was trying to unlock my online website to make my monthly payment free of charge. The gentlemen I spoke with advised that the department that would reset my website log in is closed due to the holiday. He said he could take the payment and advised that there is the {$7.00} convenience fee - I advised if I could call back the following day to make the payment, he said that there would be a late fee assessed if I did it the next day. I made the payment with him for the {$7.00} instead of getting a late fee of {$44.00}. On XX/XX/2020 I called PNC Bank to find out that I had an extra day to make the payment without any penalties which I could have also avoided the {$7.00} convenience fee. This representative mislead me to believe false information. I had time to call back the next day XX/XX/2020 have the department unlock my online access and then schedule my payment via the website with no convenience fee or late fee. I requested the {$7.00} fee be waived due to false & misleading information. A complaint was filed by XXXX and he advised that someone would get back to me within 48-72 business hours. On XX/XX/2020 I called PNC Bank and spoke with XXXX advised of complaint information filed on XX/XX/2020 and still awaiting a return call. She said she would file another complaint and confirmed my contact information said 2-days for a supervisor to call back. ( At this point - 2 false & misleading representatives ; initial repXXXX and XXXX ). On XX/XX/2020 I received a call from XXXX XXXX XXXX XXXX XXXX - we discussed the false and misleading information and agreed to credit back the {$7.00} convenience fee, we both agreed that it would be credited toward the late fee. On XX/XX/2020 I called and left a message on XXXX XXXX XXXX XXXX XXXX 's phone line to place return the call as the credit has not yet been credited on the account. On XX/XX/2020 I receive a call from XXXX XXXX XXXX XXXX XXXX says not sure why it didnt get credited but he resubmitted for the {$7.00} convenience fee as well as one late fee of {$44.00} for a total of {$51.00} that would come off the late fees ; it might reflect on the XXXX statement but most likely on XXXX statement. On XX/XX/2020 I left a message for XXXX XXXX XXXX XXXX XXXX that {$51.00} credit as not been applied toward the late fees and that I needed a return call. On XX/XX/2020 I called and spoke with XXXX she also sent an escalation notice for someone to call me back and confirmed my contact information. Today is now XX/XX/2020 - I left a message on XXXX XXXX XXXX XXXX XXXX voicemail, I sent a secure messages to the website. Message reads - " I have spoken with XXXX XXXX in the escalations department on multiple occasions to resolve a misleading conversation that took place with a representative back on XX/XX/2020. Mr. XXXX assured me on XX/XX/2020 that the {$7.00} processing fee would be credited back & we agreed it would be applied toward the late fees. On XX/XX/2020 I spoke with Mr. XXXX again regarding the same {$7.00} fee and again he assured me that it would be credited and he also would waive one of the late fees of {$44.00} for a total of {$51.00} and it would reflect on the XXXX statement. XXXX 's payment was made on-time and I noticed that {$51.00} was not credited toward the late fees. A message was left on Mr. XXXX phone line on XX/XX/2020 for a return call, on XX/XX/2020 XXXX sent an escalated message to return the call and well as another issue that came up as of XX/XX/2020. As of today XX/XX/2020 I am still awaking a return call. I am asking that {$51.00} be credited to my late fees as assured it would be but I am also requesting an additional late fee of {$44.00} totaling {$96.00} be credited immediately. Every month that I have to place calls or write messages PNC will credit me late fees going forward. '' End of Message - As you can see, I've attempted multiple times with no resolution and now I'm not getting any return calls. I feel that I've given PNC Bank more than enough time to correct this. I have a total of {$530.00} from previous years delinquency and this amount has not changed from XX/XX/2020 until now XX/XX/2020. What else can I do? If this is not resolved soon I will be requesting that the full {$530.00} be waived. Having to deal with this is time consuming, stressful, and truly not fair. I am being ignored by PNC Bank. PNC Bank is breaking CFPB laws with false, misleading, and not responding in a timely manner. I requested information today and the notes on the file are not accurate and very vague. If you need times of conversations to pull recording I have this information, please let me know. I am requesting help from the CFPB. | ||||||
| 10/24/2023 | Yes |
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| XXXX ) XXXX XX/XX/XXXX I deposited to my saving account ending # XXXX XXXX check # XXXX for {$1200.00}. And I proceeded to instruct PNC to transfer same amount at a later value date to another bank at PNC. The check was returned unpaid due to XXXX funds. This is the first time that one of my checks which was deposited via mobile banking returned unpaid, so unaware of the process I phoned PNC and was confirmed that the check would not be redeposited, and the wire transfer would not be executed if there are not sufficient funds to cover such. XXXX ) Thinking that my funds were uncollected at the other institution XXXX XXXX XXXX XXXX ) where I had deposited a bank check for {$1200.00} ) I proceeded to write check # XXXX for {$1200.00} but again this was returned unpaid. XXXX ) I couldnt believe what was happening so to by big surprise realized that check # XXXX and # XXXX were not drawn on XXXX XXXX XXXX but rather XXXX XXXX where I keep a small balance. I was devasted when I realized my mistake. XXXX ) So, on XX/XX/XXXX I checked my balance at PNC and noticed an overdraft condition in my savings accounts immediately I effected XXXX internal transferred {$1000.00} from my checking at PNC a/c # XXXX to the overdrawn account. XXXX ) I looked at my balances now all my account were in positive. XXXX ) I was happy that the matter was now closed since all account were positive. XXXX ) Again, I wanted to make sure to have sufficient funds in my checking a/c # at PNC, XXXX from where I had just transferred {$1000.00} to cover the O/D condition of the savings ) I decided to make another mobile check deposited to cover one expected debit from PNC to pay my HELOC payments due for {$700.00} expected to be taken out on XX/XX/XXXX. This time I used check # XXXX still drawn on XXXX XXXX. ( I had sent an ACH transfer from XXXX XXXX XXXX for {$1200.00} to XXXX XXXX to make sure that there was sufficient funds ). XXXX ) This time there was sufficient fund at XXXX XXXX to cover my check. Funds were fully available as per enclosed statement. ( # XXXX ) XXXX ) Immediately after the latest deposit I received a warning email from PNC that my balance was below {$10.00}. I was surprised since XXXX minutes before I had checked all my account and all reflected available balance way more than {$10.00}. XXXX ) Having worked in banking for more that 30 years I realized that PNC may have taken action to place hold on my accounts. But no communications were received. So, I phoned PNC and was told that the bank had taken steps to put a hold in the account and suggested I go to a branch and seen if they can help. XXXX ) I immediately went to the branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX spoke to the XXXX XXXX, XXXX XXXX. He looked at my account and confirmed all accounts are now closed and that the decision is irrevocable and irreversible. I told the manager that I had several recurring ACH transfer and direct deposit s including the payment to my credit line of credit. He reconfirmed that the accounts are closed, ( # You are luck they didnt close your credit line of Credit he stated ). When these accounts are finally closed then you can come back, and we will see whether new account will be opened. XXXX ) Additionally, the decision to close your account was made at our corporate office and no one is allowed to talk to them not the customer nor the branch. XXXX ) I truly realize my big mistake of using the wrong check. In my opinion was and honest oversight. But I do undewrstand the bank position if they dont want my accounts so be. But I worked for a bank for over 30 years, and I was XXXX XXXX Operating Risk XXXX. Many times, we had to take action to close certain account for many reasons following XXXX directions. But we always asked the branch to provide their input prior to proceeding to close an account, XXXX ) I am surprised the PNC did not make an attempt to contact me so I could have explained my oversight. XXXX ) I take fully responsibility for my error, and I have already made arrangements to move all my ACH and direct deposits. I also already instructed XXXX XXXX XXXX to make the payment due under my HELOC and XXXX will now make all future payments to the HELOC. ( # XXXX ). XXXX ) I dont expect PNC to reverse their irrevocable and irreversible account closing decision, but I wish they would notify in writing in writing about their decision and suggest they inform their customer timely in these cases. Because if the continue such practice it could be viewed as unfair and deceptive practice. XXXX ) Being a customer over XXXX year I would have expected some type of engagement from corporate or the branch prior to taking such drastic actions. Sincerely- XXXX XXXX | ||||||
| 05/16/2018 | Yes |
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| I believe I am considered a Successor in Interest on my primary residence, which is titled in my ex-husband 's and my name, with a home equity loan and HELOC secured by the home in both of our names, both loans with the same bank. We separated in XXXX, divorced in XXXX, court order issued XX/XX/XXXX regarding ancillary matters. Order states I am retaining the home and assuming both loans. I realize that the Court and the bank are two separate entities, but I understand that there are new regulations regarding mortgage servicing and successors in interest. I have contacted my local bank branch, their loan servicing department, and have asked for my request to be forwarded to the legal department, but the responses I've received indicate that there is no one that can assist me in determining how I can go about having the loans placed in my name alone. I had been told, prior to the new rules, that I must refinance the loans, yet I will not qualify on my own. If I am unable to have my ex-husband 's name removed from the loans, I will lose my home. I, alone, have made all payments on both loans since XXXX, which I've brought to the attention of the bank. I'm told this doesn't matter, since I don't have income. I need to know what the new regulations mean for me, as I've read lengthy portions of the documents and know that they can be confusing, even for lenders. I am not in the business of servicing loans and am trying to consult my lender, who IS in this business, to clarify what needs to be done to get my ex-husband 's name removed. I don't feel that it's my responsibility to invest hours in reading regulations that my lender is required to know, understand and comply ( with ), but I've done just that and need an answer regarding how my lender will proceed. IF, and only if, I must refinance, I need to know how I can be approved using minimal income figures, the liquid assets I currently own, and my excellent payment history ( the last 7 years being paid solely by me, which should prove my ability to pay ). In addition, I have repeatedly requested that statements be sent to my home address, which is also the property address of the home securing the loans, but the address has been changed by my ex-husband several times. The court documents state that I am retaining the home and both loans, yet both the branch and the loan servicing department have refused to change the address again because of the history on the account. As a result, I am still not receiving statements, which means that I'm unable to confirm payments credited and other information and have no paper reminder of payments due. While I realize that it's my responsibility to remember due dates, and I'm aware that electronic options exist, I systematically pay monthly bills using paper docs. I also prefer to retain historical files for paper docs and my lender is required to provide them to me. My lender recently converted loans to a new platform, which has resulted in a multitude of ongoing issues and crediting errors for most, if not all, accounts. My loan information is not correct, but I am not complaining about errors that I'm told will be fixed in the very near future. My concern is that I have no statements to determine how the pre-conversion vs post-conversion account information compares. To be fair, I have spoken with reps that have offered assistance and I've been told that the address has been changed to the correct address, but apparently there are multiple system levels and the problem has not been fixed. Those that have the ability to correct the info are those that refuse to correct it, based on the history that I mentioned above. I understand that the bank feels that they are in a bad position, given my exes repeated requests, but the court docs clearly show that he has no interest in the property and the loans are not his responsibility. The bank only needs to honor requests made by me. I have also received some past statements upon request, but none without requesting. The bank is unsure whether this is because of address issues ( given the multiple layers for address files ) or if the statements have been suppressed in order to correct the system-wide errors due to the platform change. I'm told that corrected statements should have already been received by customers, but I've received nothing. Finally, I expressed my concern about filing a complaint with the CFPB when I felt it was more appropriate to reach someone within the bank that could assist me with my successor in interest and/or loan assumption request. I was told that I should file a complaint, which at this point, I feel is appropriate, given the lack of interest shown for my situation and inability to provide me with any information. | ||||||
| 10/08/2023 | Yes |
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| Problem statement : A PNC ATM malfunctioned and failed to return {$2000.00} when I was attempting to deposit {$7000.00}. This occurred over two attempted deposits that were ultimately canceled, each failing to return {$1000.00}. The bank failed to return my money and admitted no fault despite abundant evidence of a malfunctioning ATM ; they also failed to properly investigate the incident, indicating a pattern of poor record keeping practices and a lack of oversight. Facts : 1 ) [ XX/XX/2023 ] I went to a PNC XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) on Monday XX/XX/XXXX to deposit {$7000.00}. This was a gift from my parents for my daughters future education, so I knew that the amount was precisely {$7000.00}. 2 ) When I told the PNC staff I needed to make a deposit, they said there were no tellers. They pointed me towards an ATM to do it by myself and left. 3 ) The ATM told me my debit card was expired, so I asked a worker for help and they said I can deposit using an account number. I used my account number to try to make my deposit in the ATM. 4 ) [ XXXX ] I followed the prompts on the machine and put all {$7000.00} into the ATM machine, but it repeatedly did not accept all my bills at once. It spit some back out at me and I tried to put it all in again several times. Ultimately, I was frustrated with the process and unsure what was going on so I canceled the transaction. However, when I counted all of the money the machine returned to me after canceling the transaction, it was only {$6000.00}. This was right around XXXX. 5 ) [ XXXX ] At this point I was flustered and confirmed with my parents and husband that it was {$7000.00}. I told a worker there that the machine had an issue. They told me there was a private money counting room. I went there to double count the money and confirmed it was only {$6000.00}. At this point, I tried again. The same process happened a second time where bills were not being accepted and I ultimately canceled the transaction. This time I was only returned {$5000.00}. Since these were both canceled transactions, I don't have any document proof detailing these transactions. This was around XXXX. 6 ) Then I searched for help. I found someone in one of the offices and told her what happened. She said she can help to recount the money. We counted together and confirmed it was now {$5000.00}. Then she told me that her branch was using a new program where there were no in-person tellers and that the ATM that I used could connect to a virtual teller. Then she walked me over to the ATM and helped me to connect with a virtual teller. XXXX ) This teller walked me through depositing the rest of my money. I followed the tellers instructions and put in my money in increments. However, each time some amount was returned by the machine. It happened so many times it is hard to remember how many times my money was returned and in what amounts, forcing me to re-deposit. I was ultimately able to deposit {$1900.00}, {$1700.00}, and {$1100.00} through this process. With the last {$200.00}, I tried to deposit it multiple times and only got it to accept {$50.00} ultimately. The teller, seeing that the machine likely would not accept the rest of the money, told me to stop trying to deposit the final {$150.00}, so in the end I deposited only {$4800.00} of the {$5000.00}. This gave me even more confidence that the ATM was malfunctioning. XXXX ) At the bank I filed a complaint detailing the above. When I returned home, I called the complaints office and the initial complaint had incorrectly stated the facts. She helped me to withdraw that initial complaint and file a new one. XXXX ) [ XX/XX/XXXX ] XXXX XX/XX/XXXX, I received confirmation dated XX/XX/XXXX that the original complaint was withdrawn. XXXX ) [ XX/XX/XXXX ] Later, we received a letter dated XX/XX/XXXX, nearly 2 months later, indicating Your transaction ( s ) dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed ( reference : XXXX ). PNC did not return my lost {$2000.00}. 11 ) [ Week of XX/XX/XXXX ] The confirmation letter had a customer service number indicating that they would provide all evidence that they relied on in making their determination. On XX/XX/XXXX or XXXX, after spending multiple hours on hold waiting to talk with a representative, the customer service agent told me they knew nothing about the case and could not access any of the case details. They tried to contact the disputes department for me, but could not reach anyone. They told me they left a message and I would hear back within 24-48 hours. I never heard from them again. | ||||||
| 08/16/2018 | Yes |
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| PNC Bank continues to make improper and unauthorized debits against my checking account for a Home Equity Line of Credit ( HELOC ) of {$150000.00} that I have with them. Minimum payment due on this account by XX/XX/2018 was {$50.00}. On XX/XX/2018 I mailed a check of {$2500.00} to PNC for the HELOC account : {$50.00} for the minimum due, and {$2500.00} extra principal and I indicated this split on the bill voucher. On XX/XX/XXXX PNC cashed this amount of {$2500.00}. On XX/XX/XXXX, several days later, PNC then unilaterally and without my authorization or my wife 's debited our checking account an additional {$50.00}. I noticed this on XX/XX/XXXX at which time I called PNC to complain and to ask them to ( a ) refund me the {$50.00} ; ( b ) assure they would stop doing this in the future ; and ( c ) provide me with how to make a complaint with the appropriate regulatory agency. They have so far done none of this despite my several ( lengthy ) phone calls and emails requesting such I have cut and pasted below an XX/XX/XXXX email exchange on XX/XX/XXXX. I also left a voicemail with this PNC official on XX/XX/XXXX -- I have received no return call. XXXX XXXX Dear Ms. XXXX : Thank you for your email. I hope we can resolve this matter quickly ( no later than XX/XX/XXXX ) by email as that will be more efficient and leave a written trail. I reached out to PNC on XX/XX/XXXX and spoke with a XXXX XXXX ( sic? ) and requested that a supervisor call me back on Friday, XX/XX/XXXX, at XXXX EDT. It was my understanding that that would happen. When it did not then at about XXXX EDT today I initiated more calls to PNC and on my third attempt first two calls of about ten minutes total dropped was connected to a XXXX XXXX in Escalation ( XXXX ). I made three requests of Ms. XXXX : 1.That our joint checking account be immediately reimbursed for an improper debit of {$50.00} made by PNC on XX/XX/XXXX. 2.That I receive a written letter from PNC confirming that henceforth it shall be able to handle my checks for the HELOC account correctly, something it has been buffaloed by for some unknown reason for several months now. 3. That PNC provide me with a contact at the necessary regulatory or oversight department concerning banks in the USA as I may decide to make a formal complaint for these continued improper debits to our account. At that point, Ms. XXXX said she would have to escalate the matter further as my mention of regulatory required her to do so. In any case, if we do need to speak I could do that on XX/XX/XXXX at either XXXX XXXX or XXXX EDT but, as noted, if we can resolve all of this by email that would be my preference. Thank you XXXX XXXX XXXX p.s. You may also see in notes that I have been calling PNC about this same problem for several months and amongst all those calls have probably spoken with about ten different individuals for well over two hours combined. From : XXXX, XXXX [ mailto : XXXX ] On Behalf Of PNC Bank Retail Escalation Team Sent : Monday, XX/XX/2018 XXXX XXXX To : XXXX XXXX Subject : Contact Requested Contact Requested XXXX XXXX XXXX : XXXX At PNC, we believe feedback from our customers helps us provide better service in the future. Thats why we want to thank you for taking the time on XX/XX/2018 to share your concerns with us. Your concern has been forwarded to my office for review, and I would appreciate the opportunity to discuss the matter further. I have not been able to reach you by phone at XXXX. Please contact me by phone at XXXX, extension XXXX or reply to this message with the best times and phone number to contact you. I look forward to the opportunity to assist you Sincerely, XXXX XXXX Please note that email is an unsecured form of communication. We are contacting you via email because we have been unable to reach you by phone. If you choose to respond to this email rather than calling the number we have provided above, please do not include any account related or sensitive personal information in your response ( examples include, but are not limited to, account numbers or social security numbers ). The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under US law. You may unsubscribe at any time from receiving commercial electronic messages from PNC at http : //pages.e.pnc.comXXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; pnc.com | ||||||
| 07/18/2022 | Yes |
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| On XX/XX/2022, I made an international wire transfer from my PNC account for {$10000.00} to be paid to my wife who was traveling to XXXX with my XXXX kids on the same day. They were in need of money for their travel XXXX. As I was making the transaction, I had some thoughts whether I should go to the bank directly or I could work from my lap top. Because of the convenience, I chose the online service from my personal account. I confirmed the wire transfer when the system told me the funds would be available on or before XX/XX/2022. Till XX/XX/XXXX, when there was no deposit made to my wife, with worries, I personally made a visit to the local PNC Bank in XXXX, XXXX XXXX, PA and met the manager to find out the status of the transfer. I was told, wire transfer done with personal online account may take 2 weeks at least. I wish the system warned me this info, to make alternate plans. After the deadline of XX/XX/XXXX was over, worries about my family kept bothering as they were in need of money. I contacted the wire transfer desk of PNC on XX/XX/XXXX ( Eastern time approx between XXXX to XXXX ) and told the urgency of sending the money to my family. The consultant told me the money is held in XXXX in a bank in XXXX ( XXXX XXXX ) and he didnt know the reason for the hold. I pleaded with him to contact the XXXX XXXX over the phone and solve the issue immediately, but he kept insisting, PNC will create a case number ( XXXX ) and contact the bank. He also mentioned to me, the transaction takes usually 10 business days, and starting from XX/XX/XXXX for my first business transaction day, the money perhaps would be despited on XX/XX/XXXX or might take additional XXXX weeks. On XX/XX/XXXX, evening around XXXX, I went to my personal PNC bank at XXXX and I met an agent. I told him about the need to speak to the manager, but as the manager had gone for the day, I briefly told the issue about the wire transfer to this agent. He took the information and told me, the manager would contact me the next day ( XX/XX/XXXX ). There was no contact from the bank and my worries led me to make another trip on XX/XX/XXXX to the bank. This time I was able to meet the manager and pleaded with the manager to help solve the wire transfer status, but unfortunately he kept telling, only the PNC wire transfer desk had to solve this issue. He mentioned had no authority as a manager to make any steps to solve the issue even though I told him, I am being the customer of his bank, someone has to take a leadership role and call the bank in XXXX to expedite the process. He was also not willing to document the complaint I was bringing to his desk. He also brought his assistant manager, but she also could not help with the wire transfer. This was deeply disappointing to me to understand the lack of customer care from PNC in these situations. With more and more worries, today ( XX/XX/2022 ) I made a couple of contacts with the wire transfer desk of PNC, intially at approximately XXXX PM with one consultant and after waiting for XXXX minutes or so the called dropped. I could hear his voice but he could not hear me and he cut the call after few attempts from his side to get my answer. I made a second attempt and a different agent came this time around XXXX and again I had to go through the full cycle of communication including holding the line as he was making enquiry of the wire transfer status. Finally, he told me, the transfer was on hold because the bank in XXXX wants to know my relationship to the recipient ( my wife! ) and also the purpose of the transaction. I had to tell him it is for my familys traveling expenses in XXXX. I also informed him all these informations were given to the consultant on XX/XX/XXXX when I made first contact to the wire transfer desk. It is my understanding, this was probably not documented by the consultant on XX/XX/XXXX and that is why this last wire transfer consultant was asking me the reason for the transfer. Further, he told me it is dispute now and it may take another 90 days to solve the transfer. I felt helpless as it was as if someone is adding salt to the wounds with utter lack of sensitivity to a customer. He could explain satisfactorily, when I told I would not have made this transaction, had I known, these problems would occur. He also had no answer for the system informing me the wire transfer would be completed on or before XXXX. It is my understanding, the PNC customer service is poorly designed at every step for international wire transfer with personal accounts. Further, there is utter lack of sensitivity to a customer and lack of leadership efforts by each one of them I interacted. To this day no money has been paid to my wife. | ||||||
| 08/09/2022 | Yes |
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| My accounts was offset ( cleared to XXXX balance ) by another account with my name on it. I was unaware of a transaction that put the other account in the negative and PNC 's decision to close or offset that balance with funds in my checking and savings account. This other account is my daughter 's account. This account was opened before she left Michigan to attend college in Tennessee. My name was placed on the account to allow me ability to perform transactions in her account during her absence. The branch representative never disclosed my ownership to this account or partnership in this account with putting my name on her account. Her name is not on my primary account. At the time of opening, she was XXXX turning XXXX in two weeks. She has had this account for two years with negative balances occurring occasionally but my account has never been affected ( deducted to offset the negative balance ) so I had no knowledge of any links between the two. When my account was cleared, I initially thought I was a victim of identity theft. I contacted PNC to find out what was going on. This was approximately XX/XX/2022. I was told that PNC took the money to offset a negative balance of {$16000.00} in my daughter 's account. My accounts were cleared of {$5000.00} total between checking and savings. According to PNC, a cashier 's check from Chase bank in the amount of {$16000.00} was deposited in her account through the ATM on XX/XX/2022. A letter was generated from PNC to my home address to me on XX/XX/2022 stating the check would be placed on hold for verification. However, I never received this letter. Three days later, according to PNC several phone calls was supposedly made by my daughter asking the bank to release the funds for a funeral. PNC stated they contacted XXXX XXXX to verify the check by phone, XXXX verified it, and the funds were released. Days later, the check was not cleared and the account reflected a negative balance and two weeks later the offset was taken from my primary account. I got this information after I started an investigation to find out why an offset was taken. I was never notified of any of these actions during any of these transactions. PNC claimed that I was a monitor/part owner of this account because my daughter was under XXXX when the account was opened. I was not notified of this or we could have waited the two weeks until her birthday to open an account if this was the case. I was told she was receiving a XXXX account due to her going to college and being a XXXX but not that she was a minor or I would be responsible for her account. Also, as a customer myself, PNC has never released funds from a check to me unless the money was in my account to cover the check amount or the check had been verified. I asked why this process was not followed for my daughter 's account especially when PNC told me that my daughter 's account was negative {$500.00} already when the check was deposited in the ATM. In addition, when the alleged phone call was made by my daughter to PNC to give an exception to the process and release the funds, why was I not contacted for verification if I was the monitor/part owner and she is the minor. Finally, when PNC did decide to release the funds based on this phone call and called XXXX to verify funds, if the check was not valid, why did PNC not put in a report against XXXX instead of directing all fault to me. PNC decided not to reverse this transaction made to offset funds using my account, closed my daughter 's account and decided to leave my account open and send the remaining balance of approximately {$10000.00} to collections. I decided PNC did not protect me as the client so I closed my account on XX/XX/2022. I asked PNC for copies of the letter generated to place the check on hold ( XX/XX/2022 ), the phone recordings of my daughter calling in asking them to release funds, and the person contacted at XXXX who verified the funds. Also, I asked for a copy of the camera view of who deposited the check in the ATM because PNC stated it was not my daughter. PNC has refused to give me any information retrieved during investigation of this case. They told me if I wanted it, I would have to get a lawyer and have it subpoenaed for them to release documents to me. Therefore, I have no attachments to collaborate this statement as of yet. I have received a notice of collections on XX/XX/2022 to dispute by XXXX XXXXXXXX XXXX. This notice is solely directed towards me and does not include any ownership from PNC for not following their company 's policies to protect me from these kind of situations. My primary account has never had anything of this sort in over 15 years of service as a client of PNC. | ||||||
| 08/10/2017 | Yes |
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| PNC Bank started mailing my husband and I letters back in XXXX of 2017 to advise us that our temporary modification ( which is all they would give us even though I asked for them to consider a permanent one ) would end in XXXX 2017. I called the phone number on the letter of XXXX ext XXXX and spoke with a account specialist named XXXX XXXX. This was either the XXXX or XXXX of XXXX. She emailed me the hardship package on XX/XX/XXXX. I gathered all the documentation required and completed the required paperwork and faxed this to PNC on XX/XX/XXXX. I followed up with a call to XXXX XXXX and she advised me that she did see something was faxed however it was too soon to see it completely in the system and if anything was missing I would be contacted. She was not sure if she would continue to be assigned to this or if it may be assigned to someone else however she assured me I would be contacted. I was never contacted from PNC until I received another letter which arrived on XXXX XXXX, 2017 with the same wording as the 1st letter stating our modification is up in XXXX 2017. It was a duplicate of the 1st letter, I called the number since there was no extension at XXXX and spoke to someone who 's name I can not remember ( however these calls are all recorded ) and I explained to this person that I had faxed in the paperwork required to consider us for a modification per PNC 's letter and I had called after this was faxed and verified it was recieved and was told I would be contacted which I never was. She said they had no paperwork and that I have had 2 temporary mod 's and do not qualify for a 3rd. I asked her why they are making me jump thought hoops and sending me letter to apply if I do not qualify.. She could not answer my question so I asked for a manager and she gave me her managers name XXXX XXXX at ext XXXX. I left him a message and he called me back and I explained the situation and he asked me to fax the information in again and he would make sure it was handled as a exception. I told him what that other rep had told me about me not qualifying and he said they do make exceptions. I explained to him all the dates were expired and on the income and assets now and he said that was ok we did not need to send updated income or assets. I then received another letter from PNC dated XXXX XXXX,2017 stating the needed income and assets. I called XXXX and he said to ignore the letter and that all they needed was a copy of 6 months payment history going to my mom for 350.00 and a copy of our yearly time share fee. He gave me the email address to send this documentaion to. I emailed this toXXXX XXXX, 2017 to XXXX and copied XXXX so he know the documents requested were emailed. I was then assigned to XXXX XXXX at the same number with an extension of XXXX. I think i spoke with him once to confirm everything they required was needed and he confirmed this. I called him a couple of weeks ago for status and did not hear back. I received a letter dated XXXX XXXX2017 saying we were declined for our modification because we did not qualify based on the review of the file. and told me to call XXXX XXXX ( which was the rep that was suppose to be helping us ) if I wanted to discuss liquidation, short sale or deed in lieu of foreclosure. Why would they ask us for specific documentation when it did not matter since it showed proof of exactly what I stated in my request for the mod. It 's like getting an mortgage approval and providing exactly was is asked for and the lender saying sorry we changed our mind. You just can not do that. I truly feel PNC were never going to try in modify us. This appears to be just a ploy to prove to the government that they tried and offered this option. There is still after 10 years no value in our property to cover the 2nd so we can not sell as a option. We are trying to do our best to hold on to this house.. We have not missed a payment and are still current however with a XXXX increase a month it will be impossible for us to pay this. I think PNC is trying to foreclose so they can collect on the insurance and really never had any intention on modifying our mortgage. This is a terrible way to bait and switch things and it surely not on the up and up. I can not believe these actions by PNC are legally allowed to be done to their customers. Interesting enough they sent me another letter dated XXXX XXXX, 2017 stating we need to give them a call because our loan modification is option is expiring and to call them immediately again. I have no idea what kind of business PNC is running but it is not right to do this to their customers. I strongly feel this should not be allowed by any financial institution. | ||||||
| 08/01/2020 | Yes |
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| The Good Faith Estimate Statement was inaccurate and did not disclose the Best Available Property was for the two property tax years that would be disbursed from the initial escrow computation year period. XX/XX/XXXX, the PNC Bank Mortgage Attorney, Mr . XXXX affirmed : " we ( PNC ) are unaware that RESPA requires the use of a specific methodology hen calculating the estimated real estate taxes that appear on the GFE. '' State of Texas Property Tax Codes provide methods for independent accurate calculations and the XXXX County Texas provides estimated and actual Property Tax estimates when contacted as Federal Regulation-Industry Standard 12 CFR 4330.1 affirms : " WHEN THE EXACT AMOUNT OF PROPERTY TAXES IS UNKNOWN THE MORTGAGEE SHOULD CONTACT THE TAXING AUTHORITY WHICH HAS JURISDICTION OVER THE PROPERTY TO OBTAIN AN ESTIMATE OF THE TAX BILL. '' XX/XX/XXXX XXXX XXXXXXXX for THE PNC BANK MORTGAGE Qualified Written Requests of XX/XX/XXXX and XX/XX/XXXX from the Consumers of why the XXXX Property Taxes were not included in loan origination, settlement and servicing documents ( documentary evidence available replied : " THE XXXX TAX LIABILITY WAS KNOWN TO BE BASED ON UNIMPROVED PROPERTY THEREFORE THE ANTICIPATED FULL ASSESSED TAX AMOUNT WAS NOT USED. '' Property Taxes in Texas are billed and paid in arrears for unimproved and improved property. Federal Regulation 12 CFR 1024.17 ( c ) ( 7 ) provides methods for Servicers estimates of property tax disbursements. The XXXX Unimproved and XXXX Improved Property Taxes were to be disbursed in the initial escrow computation year period : XX/XX/XXXX thru XX/XX/XXXX. The XXXX estimated Property Taxes to be billed XX/XX/XXXX were less than one month awy t the loan settlement of XX/XX/XXXX and could have been a Pre-Paid item for loan settlement documents ( within 60 days of the loan settlement ). Where on the XX/XX/XXXX pre-approval loan application, the XX/XX/XXXX loan application and the GOOD FAITH ESTIMATE OF XX/XX/XXXX are the BEST AVAILABLE XXXX ESTIMATED UNIMPROVED PROPERTY TAXES FOR THE 10 MONTHS IN PROPERTY TAX YEAR XXXX BEFORE THE ESCROW ACCOUNT BEGINNING XX/XX/XXXX ARE THE ESTIMATED XXXX PROPERTY TAXES OF {$60.00} AND {$260.00} TOTAL {$320.00} DISCLOSED TO THE CONSUMER BEFORE THE CONTRACT TO BUILD THE HOUSE OF XX/XX/XXXX,, XXXX? Where on the XX/XX/XXXX pre-approval loan application, the XX/XX/XXXX and the GOOD FAITH ESTIMATE OF XX/XX/XXXX ARE ESTIMATED BEST AVAILABLE XXXX IMPROVED PROPERTY TAXES OF APPROXIMATELY {$6600.00} ANNUALLY DISCLOSED? The SWORN DEPOSITION of XX/XX/XXXX by PNC Bank Mortgage CONFIRMED AN ADDITIONAL VERBAL DISCLOSURE XX/XX/XXXX FOR ESTIMATED APPROXIMATE {$4000.00} ANNUAL PROPERTY TAXES WAS DISCLOSED TO THE CONSUMERS. Federal Regulation 12 CFR 3500.7 and 12 CFR 1024 regulations to the loan originator for the GOOD FAITH ESTIMATE STATEMENT TO CONSUMERS : MUST BE PREPARED COMPLETELY AND ACCURATELY MUST INCLUDE ALL CHARGES HT WILL BE LISTED IN SECTION L OF THE HUD-1 SETTLEMENT STATEMENT MUST BEAR A REASONABLE RELATIONSHIP TO THE BORROWER 'S ULTIMATE COST FOR EACH SETTLEMENT CHARGE AND MUST BE BASED ON EXPERIENCE IN THE LOCALITY OR AREA IN WHICH THE PROPERTY INVOLVED IS LOCATED. {$4200.00} for estimated total UNIMPROVED XXXX PROPERTY TAXES AS {$3500.00} FOR THE TEN ( 10 ) months in Property Tax Year XXXX did not a " reasonable relationship '' to the ultimate alleged " Actual '' settlement cost disclosed for the HUD-1 Settlement Statement of {$1500.00} disclosed for XXXX ACTUAL Property Tax Reserves. The XXXX County BEST AVAILABLE ESTIMATE of {$320.00} was disclosed XX/XX/XXXX to XXXX XXXX in documentary evidence, The disclosed XXXX Unimproved XXXX County Property Tax amount of {$4200.00} disclosed to be billed XX/XX/XXXX was apparently provided by the AUTOMATED LOAN AND DISCLOSURE COMPUTER SYSTEM of PNC Bank Mortgage which was incorrect/inaccurate and excessive as disclosed on the pre-approval loan application document of XX/XX/XXXX before the earnest money contract with the builder of XX/XX/XXXX and the verbal property tax disclosure of XX/XX/XXXX as confirmed by PNC Bank Mortgage in the Sworn Deposition of XX/XX/XXXX000. How many of the additional over 1600 loan origination, settlement and servicing complaints by Consumers ( over 150 from Texas ) by PNC Bank Mortgage clients had similar problems with the loan origination, settlement and servicing disclosures due to apparent computer programming errors PNC Bank Mortgage Staff were unable to comprehend the apparent computer errors as provided in the Federal Deposit Insurance Corporation ( FDIC ) memo to lenders/servicers of residential mortgage loans-Conventional and Federal Insured? | ||||||
| 01/07/2019 | Yes |
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| I want to submit a complaint regarding private loans that I have through PNC Bank. I have a few student loans through PNC Bank that I used to attend the University of XXXX. Currently, I have been paying on these student loans since XX/XX/XXXX. I have paid my loans on time and without any late fees, penalties and I have never defaulted on the students loans I will reference. I am writing to submit a complaint regarding predatory lending practices that PNC Bank engaged in with myself and my father, who is the co-signer, on multiple occasions when I signed for the loans. I used these loans for the sole purpose of attending the University of XXXX, which I attended between XX/XX/XXXX to XX/XX/XXXX. I attended both XXXX studies there as well as XXXX studies. I did not drop out or fail out, I graduated successfully with two degrees. My XXXX degree was in XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX Degree, and my XXXX XXXX was in XXXX XXXX, a XXXX XXXX XXXX Degree. Here is the loan information : 1st Loan : Opened XX/XX/XXXX Annual Percentage Rate = 8.617 Finance Charge = {$19000.00} Amount Financed = {$11000.00} Total of Payments = {$30000.00} 2nd Loan : Opened XX/XX/XXXX Annual Percentage Rate = 9.00 Finance Charge = {$19000.00} Amount Financed = {$11000.00} Total of Payments = {$30000.00} 3rd Loan : Opened XX/XX/XXXX Annual Percentage Rate = 8.546 Finance Charge = {$15000.00} Amount Financed = {$10000.00} Total of Payments = {$25000.00} 4th Loan : Opened XX/XX/XXXX Annual Percentage Rate = 6.01 Finance Charge = {$8500.00} Amount Financed = {$10000.00} Total of Payments = {$18000.00} Total Amount Financed = {$42000.00} Total Finance Charge = {$63000.00} Total of Total Payments = {$100000.00} As you can see from the above information, PNC Bank charged myself and my father a total of {$63000.00} to finance only {$42000.00}. This equals a total repayment of {$100000.00} over the course of 240 payments from the time of origin that the loan was opened. Each loan amount contains a total of 240 payments in order to reach the payoff amount. All loans listed above are variable interest loans and have their interest rates adjusted quarterly. Over the course of repayment since XX/XX/XXXX, I have paid anywhere from {$300.00} per month to just recently {$510.00} per month on these loans. My current balance is just over {$60000.00} and there is no late fee, or interest fee, or any type of negative fee associated with any of my loans because of my repayment practices. My complaint is in regards to how PNC Bank provided myself and my father, in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX loans under predatory lending practices and behaviors. PNC Bank has not been helpful in regards to my attempts to contact them about these loans as they stated at the time We are sorry Mr. XXXX but we do not have any student loan refinancing products that we would be able to offer you. I assert that PNC Bank is making an extravagant amount of money from myself and my father directly because of their predatory lending practices. In total, they have charged myself and my father 150 % of the amount of money that we had requested from them. I also am asserting that PNC Bank would not be making this type of money for it was not their engagement in predatory loan practices. The amount of money that they will receive simply because of their finance charge is 60 % of the total amount that will be repaid. This amount is {$63000.00} of {$100000.00}. My date of birth is XX/XX/XXXX, in XX/XX/XXXX, the month of the first loan in the above list, I was XXXX years old and had no credit history, no history of defaulting on any loan, and had never previously taken out a loan or line of credit directly in my name at that point. I was never educated on anything related to loans or student loans and was far too young to know how much of a scam this loan deal really was. Also, in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX my father had a very low credit score due to a number of personal issues we as a family were struggling with at the time. I assert that PNC Bank, in their engagement of predatory lending practices, took advantage of my lack of education and experience at the time the loan was opened and also had taken advantage of my fathers low credit score and how my family was undergoing financial struggles at the time. PNC Bank has refused to work with me when I have contacted them on ways that I could make the monthly repayment more reasonable and aligned with my income. They have refused to offer me any type of help to reduce my interest rate, open a new loan, reduce my monthly payments or acknowledge that indeed they engaged in predatory lending practices. | ||||||
| 02/12/2018 | Yes |
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Web | Servicemember |
| I live in XXXX XXXX CA at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX Others frauded my documents XXXX states wide frauding scams frauding XXXX XXXX XXXX XXXX Michigan XXXX Indiana of XX/XX/1972 of my I'd Fraud scams using my birth certificate long form of MD XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Michigan XXXX Indiana of XX/XX/1972 XXXX scams using MD XXXX of my immazation record Fraud scams using using XXXX XXXX XXXX XXXX death record of XXXX XXXX Indiana XXXX scams using my XXXX documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX scams frauding XXXX Indiana of her documents attached to her social security number and serial numbered documents XXXX had a Sir name of XXXX Then frauding scams frauding using her parents death record 's of XXXX XXXX married to XXXX XXXX of sir name Sassenhauser Frauding scams frauding her parents of serial numbered corners records of XXXX XXXX married to XXXX XXXX all death record 's Fraud scams XXXX scams frauding XXXX XXXX biological daughter of XXXX XXXX Indiana of XXXX XXXX XXXX XXXX XXXX scams XXXX XXXX XXXX who was the head of XXXX XXXX XXXX in Michigan XXXX Indiana Frauding scams using using XXXX XXXX sister documents of XXXX XXXX Indiana of XXXX XXXX married to XXXX XXXX XXXX North Carolina XXXX scams frauding using XXXX scams using XXXX XXXX XXXX XXXX fraud scams frauding XXXX Indiana XXXX XXXX XXXX scams using my grade school documents of XXXX elementary XXXX XXXX Michigan XXXX Indiana XXXX XXXX using my documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX scams using XXXX XXXX XXXX XXXX work place of eculid machine and tool as Eculid towns Frauding scams using XXXX XXXX XXXX scams using XXXX trucks companies and CDLs Frauding scams frauding schools and colleges and universities and books and book authors Frauding scams using using XXXX states groceries stores products using XXXX XXXX and brand advertising Frauding scams using resterant franchises and diners food products Tore into my documents frauding scams using XXXX XXXX Frauding scams using auto stores Frauding scams using RVs Frauding scams using XXXX XXXX XXXX using XXXX Texas XXXX XXXX XXXX XXXX Indiana documents XXXX scams using politican listings and XXXX XXXX scams using boats and XXXX Frauding scams using banking permits business permits Frauding scams using lawyers and judges and attorneys and law partners and court building Frauding scams using building permits with my identity and or documents Frauding scams using medical staff Frauding scams using CPAs and XXXX Frauding scams using police and sherrifs Frauding scams using shelters workers and shelters guests after I was in ones Fraud divisions scams using government workers and listening Frauding scams using theather groups and singers and bands and actors and media scripts Frauding scams using construction business permits Frauding scams using various business permits scams Frauding scams using radio and talk radio. frauding herds scams listings using XXXX herds frauding my XXXX birth certificate.. fraud herds scams listings frauding my divorce record of XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX my documents as retailers business permits stores and clothing and chruch groups and church pasters Fraud my documents and auto stores Frauding scams frauding my documents as food products Frauding my documents as retailers workers Frauding my documents of serial numbered documents of XXXX XXXX Indiana XXXX XXXX 's of investment reps and XXXX company workers name 's fraud as XXXX listings off my XXXX federal FBI registrations XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX advertising and bus advertising Fraud scams using shopping malls sinage Fraud scams frauding my documents which all are serial numbered documents of birth and married and divorce and death record 's Frauding scams using tv products and tv shows scripts Frauding scams using herds of insurance workers and offices permits and products Fraud scams using sports players and accounts Fraud scams using XXXX off XXXX XXXX documents Fraud scams using Neely off my XXXX documents Fraud scams frauding using XXXX herds XXXX my Brandmeyer families death record 's of serial numbered documents Fraud scams using sounds The same as my documents as retailers Fraud scams using new paper Fraud scams using XXXX business XXXX and XXXX scams and XXXX business XXXX scams and XXXX XXXX scams using XXXX XXXX Georgia XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX documents of XXXX Indiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Michigan State XXXX XXXX XXXX XXXX XXXX my XXXX a public storage retiree ... | ||||||
| 08/09/2023 | Yes |
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| I will like to report an incident that occurred today when I received a phone call from PNC despite several written demand letters to stop efforts to entrap or bullying tactics with full disclosure of wrongdoing. They have also openly refused orders to wire money into an account no less than XXXX separate filings of letters of demand. ALL ignored. This encounter was by far the most disturbing yet and paints a sickening picture of PNC 's continued exploitation of women in the workplace as pawns to exploit women who are or were customers. It was a line crossed when it became that I did not stick to the script she was given but told the entire story knowing there was obvious staging. What the bank forgot is there would be no change if it was the truth and there was none. I sensed quickly however that she was never made aware of the 'investigation ' claimed looked into nor was she expecting a detailed breakdown of their own letter. The clear assumption was I did not read what was written because that was what she was told. Once broken down step by step her fear was evident of a setup. The setup was evident, should PNC deny it was by the word-for-word recital. It was in short an insult if after all this time not XXXX considered it would be committed to memory being female. Standard fare as these types of institutions claim diversity in letters but female execs typically are never COO, CFO or CEOs. Prior to this incident, a reasonable ratio of male to female reps was spoken to. After, the number fell to XXXX while misleading info meant subpar service and hangups from other women. It became uncomfortable and bizarre to be ostracized for an internal disservice because more time was spent diffusing situations than solving them. I felt empathy for this representative as her tone showed she had no idea of the details. The actions that PNC deliberately employed with consistency was to continue to keep money that is not theirs to keep. At no time did any effort include a resolution if problem checks were sent twice. They simply wanted to know what I knew because of persistence. No male would have been subjected to such indifference this long. ; I was simply tossed aside and never gave up and now had to tell THEM what to do as more agencies became involved. They had proof of disability and cared not because I was born with the wrong parts in their minds. It is unbelievable contempt shown towards women that did not falter despite the fact the third party was male. How can it be explained as anything else? I am here to tell my experience as it happened. because it affects everyday life and is not confined to an event only It was fruitful in XXXX aspect despite its negative portrayal in that it shows PNC never read my letters or investigated a single claim. They were sent copies of the checks more than once and allowed it to be resent not corrected. They were also alerted of the health toll in writing, the financial strain placed on not XXXX but a party who did not bank there and even made aware that I had to appoint an agent when adverse health was a consequence. Instead, calling several times showed a total disregard of my health with full disclosure income is 100 % SSDI. Income is still not received though mentioned in every demand letter. PNC deliberately acted with impunity and in calling flaunted both the law and my rights under ADA as in most correspondence they were given accounts and routing in a reasonable request for transfer of funds due to limited mobility. In all initial contacts there was ready agreement that was then instructed by senior personnel to be denied then was mailed uncashable checks that affected newly opened accounts. It is clear what the intent of PNC is and I refuse to participate in deceptive business practices through continued mistreatment of its female staff. It was an unforgettable experience to hear how shaken this representative was at the realization of the deception that has forced this penning of PNC 's continued behavior and while customer service experiences are often frustrating, this is a very different situation someone was thrust in and can cost them their livelihood. To think that PNC never considered the stress that may be placed on this person once disclosure was divulged knowing my attention to detail to save their skins was my breaking point. To never consider that employees may have personal issues not known to you because of a desire to spin the story in your favor said it all. I will like to notify CFPB that I have XXXX records despite submissions that deliberately encrypt the incriminating activities sent by PNC after a long search. | ||||||
| 03/16/2018 | Yes |
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| Good Morning and thank you for taking the time to read this complaint. I have tried repeatedly to be civil and work with the lender, PNC Mortgage, but am being ignored 100 %. I think that they feel I have no " voice '' at this point, and are hoping that their tactics will make me just " Go Away ''. I was taught to stand up and fight for what I feel is right, and report injustice whenever possible, so that those who are too scared to speak up, will see that they really do have a " voice ''. So I thank you for reading, and will be MORE THAN HAPPY TO PROVIDE PROOF TO BACK UP MY COMPLAINT. The Mortgage Loan in question was a Purchase Mortgage, Loan Number XXXX, owner occupied, borrower name is XXXX XXXX. It was a new construction subject that closed in the beginning of XX/XX/2016 Sales Manager for PNC Mortgage was XXXX XXXX XXXX and due to an Appraisal Issue, the loan could not close on time. The Appraiser could not get back out to do the final inspection in a timely manner once the property was finally complete. Due to this Appraisal Issue, coupled with the fact the Mortgage Loan Officer is not allowed to participate in the Appraisal Process, as per Dodd Frank. XXXX XXXX XXXX chose to reassign the loan that I originated, to another Mortgage Loan Officer one week before closing and COMPENSATED the other MLO ( XXXX XXXX ) for the loan that I originated. XXXX XXXX XXXX also did NOT inform me that this was happening. It has always been my understanding, as well as stated in my MLO Contract with PNC Mortgage, that Mortgage Loan Originators are to be paid on the Mortgage Loans that we Originate. I have over 12 years in the business and the fact that XXXX XXXX and PNC decided to withhold my pay on a loan that took 4 months to complete, only to reassign it in the final week, over an appraisal issue, which I am prohibited from involvement, and then to pay another Loan Officer, is against the rules. XXXX XXXX even told me that in the 10 years he has been doing this job ( Sales Manager ), he's never had to reassign a loan and take away an Originators pay, and he never wants to have to do it again, which further indicates to me that this is NOT " above board ''. I also have a recording of this conversation, since there are camera 's in my house that record audio and video. PLEASE FEEL FREE TO CALL ME DIRECTLY TO DISCUSS. I have documentation to support these claims and my ONLY hope in all of this, is to simply be paid for a loan that I originated, for PNC Mortgage. I have since taken a Job with another XXXX as a XXXX XXXX XXXX and XXXX XXXX. However, I feel that if I don't report injustice, and obvious wrongdoing, when it's so blatantly present, I am only allowing the injustice to continue. I feel it's only fair, and part of our Loan Officer Agreement, that the Mortgage Loan Originator who originates and submits a file, is supposed to be paid on that Origination, once the loan closes. Especially, if the reason that the file did not close, was something that I am NOT allowed to be a part of ... .. Which was the Appraisal Process on this file. PLEASE FEEL FREE TO CALL ME DIRECTLY ANY TIME OF DAY SO THAT I MAY GIVE YOU ANY ADDITIONAL DETAILS REQUIRED. I have called PNC Multiple times to try to resolve this matter BEFORE coming to you. However, my requests aren't being acknowledged, even when they informed me that someone would be in touch with me in 48 hours and it's been over a week with NO correspondence. Please help me as I feel like my requests for clarity from PNC Mortgage and XXXX XXXX XXXX will go unanswered, and I will be the victim of the " Big Lender '' trying to bully it's employees by taking their commission, on a loan that was being held up by an issue that is purposely out of my control ( the Appraisal Process ). My cell phone number is XXXX and you can call me anytime. Right now in fact, if you wish. My new work email address is XXXXXXXX. Thanks again for listening to my complaint, I am NOT looking for anything other than what I was promised when I took the job with PNC. To be compensated the {$2000.00} that I feel I had earned for originating that mortgage. Also of note, both the Borrower/Buyer and the Realtor are friends of mine from high school ( XXXX XXXX XXXX ), and worked with ME for that reason. I appreciate your assistance with this matter, and thank the CFPB for being a resource for reporting injustice in the Mortgage Industry. We all need to be careful so that we are not taken advantage of by some lenders who feel that the rules don't apply to them. Please call or email me anytime so that I may provide further clarity. Most Sincerely, XXXX XXXX XXXX NMLS # XXXX | ||||||
| 11/04/2022 | Yes |
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| Excessive fraudulent activity occurred on my PNC debit ( checking ) account. The first amount appeared on XX/XX/XXXX when 2 orders were made to XXXX XXXX. The following day, XXXX purchases began being made at various places in California. These were slowly appearing in between my normal purchases. I was made aware of the fraud on XX/XX/XXXX when I saw XXXX Robo purchases made to XXXX XXXX XXXX 1 day. I then noticed numerous larger XXXX purchases, XXXX purchases, and numerous other food and miscellaneous purchases, all of which were out of state ( I live in Ohio ). I cancelled my card at XXXX on XX/XX/XXXX. I called the bank at XXXX and spoke with a teller for 45 min and began the dispute process. I was told to continue at a branch due to the excessiveness. I went to the branch at XXXX and was there for 2 hours. The card was put on hold and remaining funds removed. On XX/XX/XXXX, XXXX more fraudulent charges went through. Days later, I received 2 letters from PNC stating that the disputes were closed because they did not see any fraudulent activity on their end. I have now visited the branch 3 more times, made a number of corporate phone calls in order to speak with someone who will actually help resolve this. I have repeatedly explained the entire dispute and have not received sufficient support. I have been told this has been escalated ( 2nd time ), but have only further been told that the process will take 45-90 additional days. Thus far, I have only received a temporary provision for 6 of the fraudulent charges. Four of them are have the exact same charge approximately 25 more times, yet the others are not being viewed as fraudulent. So far, the provisional credits total around {$200.00}, but the grand total is over {$1400.00}. Disputes can not be made beyond 90 days of a purchase. I feel that this is PNC 's attempt dismiss the situation and not have to take any fault. If I wait the 45-90 days, it is clear that this will be a closed case for them. However, this is my money and time. It is obvious that fraud has occurred. I have been a customer with PNC for 20 years. I only had one card to the account and have never shard my personal banking information. Please see the attached documents that clearly support my claims. FRAUDULENT WITHDRAWALS FOOD CHARGES {$30.00} XXXX ( Debit XXXX, XXXX ) XX/XX/XXXX {$50.00} XXXX XX/XX/XXXX {$11.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$43.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$45.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$91.00} XXXX XXXX ( Debit XXXX ) XX/XX/XXXX {$34.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$55.00} XXXX ( Debit XXXX ) XX/XX/XXXX {$23.00} XXXX ( Debit XXXX XXXXXXXX ) XX/XX/XXXX {$43.00} XXXX XXXX ( Debit XXXX XXXXXXXX ) XX/XX/XXXX {$37.00} XXXX ( Debit XXXX XXXX ) XX/XX/XXXX {$21.00} XXXX ( Debit XXXX XXXXXXXX ) XX/XX/XXXX {$21.00} XXXX ( Debit XXXX XXXX ) XX/XX/XXXX {$20.00} XXXX ( Debit XXXX XXXXXXXX ) XX/XX/XXXX {$36.00} XXXX ( Debit XXXX XXXX ) XX/XX/XXXX {$27.00} XXXX ( XXXX XXXX ) XX/XX/XXXX {$40.00} Senetaste ( XXXX CA ) XX/XX/XXXX {$18.00} Donatos ( XXXX, XXXX : Second purchase in same day- belief this is when fraud began ) XX/XX/XXXX Initial XXXX purchase was for XXXX on XX/XX/XXXX in XXXX XXXX XXXX TOTAL = {$650.00} XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. $ XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX XXXX. $ XXXX XXXX XX/XX/XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XX/XX/XXXX ( Debit XXXX ) {$10.00} XXXX XX/XX/XXXX ( Debit XXXX XXXX XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX XXXX XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) XXXX. {$10.00} XXXX XXXX XX/XX/XXXX ( Debit XXXX ) {$100.00} XXXX XX/XX/XXXX ( Debit WA ) TOTAL = {$470.00} MISC. {$2.00} Parking ( Debit XXXX ) XX/XX/XXXX {$290.00}. XXXX XXXX XXXX Debit XXXX XXXXXXXX XXXX ) XX/XX/XXXX TOTAL = {$300.00} GRAND TOTAL = {$1400.00} | ||||||
| 01/26/2022 | Yes |
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Web | Older American |
| My husband and I had been customers at BBVA Compass Bank in XXXX, AZ for about 30 years. It all went pretty smoothly until PNC Bank took over BBVA Compass Bank early in XXXX, XXXX. PNC closed all the customers ' online accounts for several days, and when they reopened them, some of our accounts were not visible online. That concerned us, so we went to the bank to see why. When we got there, the lobby was unusually crowded with customers, and employees were having people sign a list to be called to come back later. It was chaotic, and that does not create trust. We wanted to be in control of our money, so decided to close our accounts ( we had six ), withdraw our money ( considerable ) and find another bank. We paid off a credit card we had at the bank and asked if all our accounts were now closed. The banker said yes. We thought we were finished and could move on, but we continued to get reams of mail from PNC. It didnt seem that they knew our accounts were now closed. Then we got a collections letter from them, saying a charge had been made on our checking account. The checking account number was a PNC number that was unfamiliar to us. I called the phone number given on the collections letter, waited 20 minutes, but the person who finally answered could not access the account. So he transferred me to the fraud department, I waited another 20 minutes and the lady who answered could not help me, either, and said I should call the number I originally called. So I took the letter on XX/XX/XXXX to the XXXX PNC branch, where we had banked for 30 years previously. XXXX, the lady who met with me, found the transaction that was in collections, which was for {$50.00} plus interest, from a fund I had donated to on XXXX. I thought the transaction took place before the takeover, but evidently it was somehow charged to what I thought was a closed account. So I paid it, and asked XXXX to make sure the account was closed. She tried, but couldnt do it, and told me it might take a couple of days for the payment that I made to go through. She said she would call me on XX/XX/XXXX, to let me know that the account had been closed. There was also another issue that she was going to take care of for me regarding some money that PNC was going to send to us in the form of a check, I had been told previously by another banker named XXXX. We had paid off a HELOC loan a few months previous and there was a credit in our account of a little over {$40.00}. The check had never arrived. XXXX told me that PNC had destroyed many checks, and that possibly our check was in that group. XXXX was going to see about getting us our money. XX/XX/XXXX came, and no call from XXXX. I called the bank, and someone was going to leave her a message to call me back. She never returned my call, so I called again, and no one answered. I sent XXXX an email asking her what she had found out, and never received a reply. I called again and found out that XXXX was out on medical leave for 6-8 weeks. I made another appointment to talk to someone else. I visited the bank again on XX/XX/XXXX, spoke with XXXX, who assured me she would do everything to take care of our issues. But she did not or could not. I showed her a new email we had received from PNC on XX/XX/XXXX, saying that we owed {$93.00} and needed to pay it immediately to avoid further collection actions. We have no accounts with PNC, so there is no way I can research and take care of these things online or by phone. She would not tell me what the charge was for, because it was under my husbands social security number, and he has to come in to clear it up. I asked if I could call him so he could give her permission to talk to me about the charge, but she said that is not allowed. The last four digits of the account number in question ( and that is all we could see ) were the same as the credit card that we paid off when we left the bank. We both owned that account. The final straw is that PNC has reported these amounts to the credit agencies. I have checked my report and see the evidence. We havent checked my husbands reports yet. We have worked hard to manage our money and keep our credit rating high over XXXX. PNC is driving us down. Since we were told when we left the bank that all our accounts were closed, everything was paid off, and that we would receive a check for the credit in our HELOC account, we believe that PNC has lied to us and cheated us. Or, they are extremely incompetent and careless with other peoples money. Please help us fix this, as we are helpless to deal with accounts to which we have no access. We are at their mercy. | ||||||
| 02/13/2019 | Yes |
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| To Whom It May Concern : I have an auto loan through PNC Bank, and I have an issue with a late payment doe to PNC Bank not setting up my automatic payments in a timely matter, and significantly longer than they stated. My PNC Bank auto loan started XX/XX/XXXX. Payments are due the 25th of each month. As soon as I received the appropriate paperwork, I sent out the following information on XX/XX/XXXX : A check for XX/XX/XXXX & XX/XX/XXXX payments - to the PNC Bank Loan center The needed paperwork to set up automatic payments from my bank account - To the processing center address Please note that these two items were sent to TWO different locations, as per the instructions PNC Bank gave my upon setup of my loan. The attached DOCUMENT 1 is the form that I filled out to set up automatic payments from my bank account. On the form, it states that it will take approximately 30 days for the system to be set up. DOCUMENT 2 is a copy of the check that I sent on XX/XX/XXXX, paying for XX/XX/XXXX & XX/XX/XXXX payments, as I was allowing for this 30 day set up period. DOCUMENT 3 shows that this check was received and deposited XX/XX/XXXX. I can also provide a copy of my checkbook register. Since I sent the check and the automatic payment letters at the same time ( XX/XX/XXXX ) I assumed that as the start date for the approximately 30 days it would take to set up my automatic payments. I assumed that a large bank with a reputation like PNC would have taken care of my automatic payments by my next payment due date ( being XX/XX/XXXX, over 50 days after I sent my paperwork in ) Towards the end of XX/XX/XXXX, I received a phone call from PNC Bank that my auto loan payment was late. Upon learning this, I immediately paid my balance, but I attempted to determine my money was not automatically withdrawn from my bank account. I have funds moving through my account all the time, and I did not notice that my car payment wasn't being withdrawn. I was also working under the assumption that I had be before, in that PNC was a professional bank and they would have been able to process my payment information. PNC Bank was not helpful to my situation. They claimed to have launched an investigation concerning my late payment, to which they determined that the payment was indeed late. However, I was not debating that the payment was late, but that it was late because PNC Bank did not process my automatic payment information in a timely matter, and thus didn't withdraw the money that I directed them to take out of my account to pay the balance of my loan. See DOCUMENT 4 for PNC Bank 's response to my dispute. After I debated this issue with PNC Bank, I received a letter dated XX/XX/XXXX, claiming that my automatic payment information was received and that they would begin withdrawing money from my account XX/XX/XXXX. I received this letter over 100 days after I sent my application, for a start date over 110 days after I expected it to start. See DOCUMENT 5 for this letter. At this point, I felt I had exhausted my options, until I found out about the CFPB. I called PNC Bank last Tuesday ( XX/XX/XXXX ) to try and argue my dispute. I spoke with multiple PNC Executives, each sending me to their superior. Most recently, I dealt with the PNC Executive Client Relations Dept, where I was not helped, but found more disturbing news. First, the PNC representative said that they were unable to prove that I sent in my automatic withdrawl form in XX/XX/XXXX, despite that all my paperwork ( that PNC Bank is in possession of ) is signed and dated in XX/XX/XXXX. Also, since I sent that form in the mail, the mailing data on the envelope would have been dated XX/XX/XXXX. Secondly, the PNC Representative claims that I faxed the form in, and that is how they received it. I did not send the form twice, and I did not fax it. I have detailed my method of sending my automatic payment information, and I DID NOT fax it. I am extremely concerned by this, as I am not sure who had control of my information during the 100 days my form wasn't processed. PNC Bank did not process my automatic withdrawl payment paperwork for my auto loan in a timely matter, causing my to have a late payment and negatively impact my credit score for something that was not my fault. In addition, I am concerned that PNC Bank did not have control of my personal information during this entire process, opening me up to potential identity theft. At this point, I would like this negative mark removed from my credit, as PNC Bank did not process my paperwork in the amount of time specified in their paperwork. Thank you | ||||||
| 05/26/2020 | Yes |
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| I am a sole proprietor. My client preferred to use XXXX for his transactions of payment of invoices. This method had worked for several months. On XX/XX/XXXX I had submitted via email two invoices that just so happened to equal the same amount for this month, both were for {$720.00} On XX/XX/XXXX I accidentally sent the client {$720.00} when I was first using XXXX rather than requesting it. I was rushing through the transaction and immediately discovered my mistake upon its completion. I immediately contacted my PNC bank and requested the funds be returned because I could not find the cancel transaction button on XXXX. I later learned that you can cancel a Request for Money through XXXX, but you can not cancel the Send Money transactions. This is crazy to me. PNC said that this would need to be done peer to peer and that they could not reverse the transaction. Another mystery I do not understand. I can stop almost every transaction that I do but this one. My client was not immediately available, but I sent a second transaction through XXXX with the memo to my client of what had taken place. I said in the memo of the XXXX transaction, " please send back the funds I accidentally sent to you. '' When I later spoke to my client he was understanding of the accident and joked that he was glad that " he didn't make the mistake. '' He checked his accounts and said that it had not gone through either account. He even sent me a screenshot of his account activity for that day. It did not show the supposed XXXX deposit that XXXX documented. He paid both invoices on that date fo {$720.00} each. I told him that I would check back with him the next day in case it took some time for that money to come into his account. When I checked with him the next day, he told me that the transaction had not gone through I continued to check back and forth with him through the XXXX when I decided to enter a dispute with PNC Bank. This met with great confusion by every associate that I spoke with since the payments for my invoices were for the same amount as the money I sent to my client. They would tell me, " well on the twentieth he returned the money to you. '' I said " no, you don't understand, I had two invoices for {$720.00}. He paid both of those invoices, but because he says that he never received the money into his account, he was not going to send the {$720.00}, I sent him {$720.00} accidentally and two invoices totaling {$720.00} each. He paid the invoices, but the {$720.00} has not been sent back and he said it never reached his bank. '' The associate said that they would enter the dispute and said that if the XXXX transaction was not claimed within 14 days, the money would be returned to my account. This lasted approximately 18 more days, I continued to call to assess the progress but there was not progress and the XXXX transaction of {$720.00} had not been returned to my account. They said that they would continue to research the dispute. On XX/XX/XXXX PNC placed {$720.00} into my account and listed it as provisional pending the conclusion of their investigation. On XX/XX/XXXX, they pulled the {$720.00} provisional funds from my account and claimed that the dispute was denied. They claimed that the transaction was processed as instructed and therefore the money would not be returned to my account. I contacted my client and advised him that PNC Bank was claiming that he had received the funds despite his insistence that he had not, and that they were denying my dispute. He immediately sent me an emailed copy of his bank account statement for that time period that showed no deposit from XXXX to his account. I requested that PNC Bank send me all of their investigation into the activity so that I could see what their investigation had shown. They said that they would send that to me in a letter and it would take XXXX business days. That letter dated XX/XX/XXXX arrived on XX/XX/XXXX and basically said the exact same thing that their previous letter to me said that my dispute was denied. In that same letter, it states that I have a right to request the documentation we relied on in making our decision. On Tuesday, XX/XX/2020, the day after memorial day, I contacted PNC Bank and spoke with an associate named XXXX. She advised that they had no documentation to provide to me. I questioned that if they had no documentation to provide to me, how did they come to the conclusion that the dispute should be denied. She said that XXXX transactions were final and that this was the final answer. In my opinion, No Investigation really took place. | ||||||
| 01/11/2022 | Yes |
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Web | Older American |
| Summary : PNCBank Account Number XXXX - Balance {$57000.00} PNCBank Account Number XXXX - Balance {$39000.00} These accounts are CDs with three POD beneficiaries. Both owners have died. I am the executor of my parents ' estate and began working with PNCBank on XX/XX/XXXX. As of today, XX/XX/XXXX, the POD beneficiaries still have not received their funds. The root cause of the issue seems to be poor transition of documentation from BBVA to PNC. In this case, that means, the three page Consumer Time Deposit Agreement and Disclosure Statements showing the POD beneficiaries weren't fully scanned by ( or for ) PNCBank. Thanks to my parents, I have all three pages of said Disclosures but PNC only has page one. The POD beneficiaries are listed on page three. Background and timeline : XX/XX/XXXX - My parents added three POD beneficiaries to the above-named accounts with BBVA PCNBank purchased BBVA XX/XX/XXXX XXXX My mother died XX/XX/XXXX - My father died XX/XX/XXXX - I called PNCBank to understand the POD pay-out process and to find out what documentation I needed to give them XX/XX/XXXX I met with XXXX XXXX, XXXX Branch Manager at the PNCBank, XXXX, Alabama in order to set up a meeting for the following day with the three beneficiaries and expedite the payment process. When he looked into the system to find the accounts he said, you have no beneficiaries. I then produced the full Consumer Time Deposit Agreement and Disclosure Statements ( for each account ) for him to read. He said Oh, that seems clear. It looks like they only scanned in page one, not all three pages [ for both accounts ]. He advised hed need to send a copy of the Disclosures to the legal department for review and it would take about five days. At this point, its worth noting that none of the POD beneficiaries live in XXXX and had to travel from out of state to meet with XXXX. Because of this, I asked three different times during this meeting, will we need to be at the branch in person to collect the funds? XXXX advised, no, dont worry about it. Ill reiterate, I purposefully asked three different times and was told no the beneficiaries would not need to come into the branch to receive the funds. At the end of our conversation XXXX shared he was leaving the organization two days later and introduced me to XXXX XXXX, who would be taking over. I left XXXX with copies of two full BBVA Disclosures ( one for each account ) showing the POD beneficiaries, PNCBank statements of both CD accounts ( with balances ) and death certificates for both owners. XX/XX/XXXX I called XXXX for an update. He didnt seem to recall our introduction 10 days earlier and it didnt seem like anything had been done. We went through everything again and he indicated he found the documents XXXX left him. He said he would need to check internally and would call back that afternoon. He did not call back. XX/XX/XXXX I called XXXX for an update. Left message at XXXX. Left another message at XXXX. Called again at XXXX XXXX said our original request ( to legal ) was denied because they didnt have the full Disclosures and he would need to reach out to the Prevention Department XXXX He said hed call me the following day. XX/XX/XXXX I called XXXX at XXXX and no answer. I called again at XXXX and left a message. I called again at XXXX XXXX said he had multiple tasks to complete but the first is to get statements, which can take five days. I inquired as to why it would take five days to get internal statements and he replied well, it usually happens faster but we like to give extra time. He advised that these statements would then be sent to the Prevention Team and the time theyd need to review was unknown. He also asked for death certificates. I shared they were already given to XXXX. He also asked what my timeframe was for resolution. I replied, two weeks ago when my parents died and I came into the branch. We set a follow up call for XX/XX/XXXX at XXXX. Im very concerned this documentation mistake is making far too much work for everyone involved, taking far too long to address and making an already sad and stressful time in our lives even more so, especially given PNC has the full BBVA Disclosures for both accounts, which I provided. Im also concerned PNC may not disburse the POD funds to the beneficiaries, as they indicated they would, while the beneficiaries remain in their home states. The beneficiaries are in XXXX XXXX XXXX XXXX Any requirement for beneficiaries to travel back to XXXX ( or any other state to visit a PNC branch ), because of this incompetence, is unacceptable. | ||||||
| 10/20/2023 | Yes |
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| On XX/XX/2023. I went to PNC BANK, XXXX XXXX, XXXX, OHIO to open a business account. I was accompanied by XXXX women during this transaction. Which was odd. Prior to the scheduled appointment, I was informed XXXX would be the business banker I open with, however upon arrival another woman by the name of " XXXX '' sat in without permission. When I asked the reason for XXXX people to open XXXX account, I was told " XXXX '' was training. *Later throughout the process I found out this was not true and " XXXX '' was recording conversation on her personal phone. I found out " XXXX '' wanted to know what happened with my previous business account ( same account ). I informed XXXX, My account was wrongfully closed due to error ( s ) made by an PNC BANK employee at the Branch on XXXX XXXX XXXX XXXX, Ohio ). The PNC employee refused to take accountability for her error ( s ) resulting in my account closing. The PNC employee informed me she accidentally put my XXXX incorrectly. XXXX informed me this XXXX result in this account opening today ( XX/XX/2023 ) to be closed due to prior issues, but she will " keep her eye on my account to avoid it closing '' and let me know asap. Giving me her business card. Later during the business transaction I was convinced to apply for a business credit card because of the funding available for small businesses for minorities. I did. I left PNC Bank XX/XX/2023 with an open account and atm card. I called in to PNC BANK to check the status of my business credit card and found out my application was denied. I requested to speak with the underwriting/lending team and was given the runaround. I was sent a survey to complete my experience via email. I submitted the survey XX/XX/2023 XXXX XXXX, XXXX reached out to me via email XX/XX/2023 to discuss the complaint about discrimination I submitted within the survey on XX/XX/2023. I was not available that day due to my work load. I was already mentally and emotionally stressed out and discouraged with the unethical, deceptive, unfair practices at PNC BANK. XXXX, reached out again via email XX/XX/2023. I called him at the contact number he requested, no response. I responded via email ( please see all email correspondence attached ). This communication was unsuccessful. A PNC XXXX member by the name of XXXX, XXXX reached out to me via email and this was unsuccessful as well. I tried reaching out to their offices and their office assistant tried locating them during the time they were in office with no one or on the phone. I was unsuccessful. I only called them because they sent me emails to call them. *Please note, the PNC XXXX team noted on my business banking account XXXX XXXX XXXX XXXX XXXX be closed on XXXX. I was informed this note was created XX/XX/2023. As, of today XX/XX/2023. MY ATM CARD IS CLOSED. CLOSED XX/XX/2023. XXXX had a business meeting with a possible future employee and my Purchase was declined. Embarrassing. I went to PNC ATM, the Branch I opened my account to pull money out to return to the meeting and was given an error and instructed to visit my branch location for further details. Since I was already at that location I went through the drive through, informed XXXX, I needed my account status. XXXX agreed. XXXX requested my ID, I sent the requested ID. XXXX, sent in return a receipt with a + {$36.00} and my ID back through the tube, informed me to come in to speak with a banker and walked away. XXXX XXXX my account. XXXX is a XXXX XXXX. XXXX, did not come back to the window. Instead, XXXX spoke to her Co-worker, her Co-worker answered the questions XXXX failed to answer. I was her customer, not her employees. I deserved the same attention she gave the consumers prior to me. -I have not received a reason for this unfair discrimination. I have not received a written response why I was denied after my credit application was re-reviewed. XXXX submitted another complaint with " XXXX XXXX Consumer Complaint Department as he requested to have issues escalated on XX/XX/2023. No return call from PNC Underwriting regarding my letter submitted in response to the Adverse Reaction XXXX PNC sent me pertaining to my credit application submitted. PNC XXXX Representative " XXXX '' informed someone will be reaching out within XXXX. PNC BANK, willingly avoided and delayed sending me requested and required information regarding my business transactions business credit application. Tookadverse reactions towards me, discriminating against me for exercising my rights in good faith. This is draining and completely unethical. | ||||||
| 05/28/2021 | Yes |
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| During the closing process, the XXXX XXXX, the closing company, collected an additional {$3700.00} from me to cover for the county 's improvement levy that would be due after closing. XXXX XXXX stated that they had transferred the escrow amount to XXXX XXXX on XX/XX/2021. XXXX XXXX subsequently sold the mortgage off to PNC Bank around XXXX XXXX. In the first week of XXXX, XXXX, I received the quarter year bill from the County for the improvement levy, with the quarter year amount being {$980.00}. I promptly forwarded the bill to PNC Bank for payment out of the escrow account. The customer service representative assured me that if I just send the bill via email to XXXX, they'd promptly pay off the bill to the county and would not encounter any delays for my XX/XX/2021 due date for the bill. So immediately after the call on XX/XX/2021, I sent the scanned bill to XXXX and did not get a response. So I followed up with another email on XX/XX/2021 and still did not get a response. I finally got a response from PNC on XX/XX/2021 that the bill is outside of their normal escrow payment and while they will pay for it, it's not accounted for in my escrow account. They asked to confirm if PNC should proceed with payment of the tax bill. I promptly emailed back and explicitly stated to yes please proceed with the the payment and I attached the closing documents as evidence and called in to verify with PNC customer service representative that this is indeed money that has already been collected from me. The PNC customer service representative said that they would research it and get back to me. PNC emailed me back on XX/XX/2021 saying that they are still actively reviewing this request. I called in on XX/XX/2021 to receive an update. The PNC customer service representative, XXXX, acknowledged that my escrow account is indeed over funded by exactly {$3700.00} and she stated that she has filled out the rush paperwork and just waiting for a supervisor to sign off on it but her supervisors were in a meeting at the time of the call, but she assured me that the rush paperwork is filled out and just needs a signature and it would be done on the very same day. XXXX assured me that I would be okay and that I could call back and ask for XXXX and she'd be able to talk to me if she was available. The next day, on XX/XX/2021, I got an email from PNC with a generic " Out [ sic ] Tax Department is aware of your request. Once additional details are available, written response will be issued via mailed correspondence ''. I tried calling on the same day but the customer service line was busy and I couldn't get through for some reason. So I tried again the next morning, on XX/XX/2021. I talked to the PNC customer service representative, XXXX, who informed me that XXXX did NOT actually successfully put through the rush paperwork. I took XXXX 's advice to ask to be transferred to her, but XXXX said that wouldn't be possible and despite me explaining that XXXX explicitly said that I could request for that, he nonetheless declined to transfer me to XXXX. After a 50 minute call and being placed on hold countless times for XXXX to research the problem, XXXX assured me that they will be able to make the payment on time before theXX/XX/XXXXcounty deadline for the tax bill. I asked what would happen if PNC did not successfully make the payment on time? Would PNC bear the burden of the late fees? XXXX did not provide me with a positive or negative answer. I asked repeatedly to please identify someone or some department that would be able to process this payment today. I told XXXX that I've been getting reassured and let down by just about every customer service representative and while I want to believe in you XXXX, I've just been let down every single time here and I don't want to miss the county tax deadline because you don't even know that PNC will be responsible for the late fees if it's late. XXXX said again that " it's a process, not a person that will resolve this for you and we're doing everything we can to get this in by XX/XX/XXXX ''. It's currently Friday, XX/XX/2021 and they will be closed both Sunday and Monday, XX/XX/2021 as it is XXXX XXXX. I am not confident at all that the tax payment will be made to the county on time and I worry that the burden of the late fees will ultimately fall onto me ( as the county bill explicitly states that it is the property owner 's responsibility ) despite my numerous attempts at contacting PNC to pay for it out of the escrow account that's already been funded with the tax obligation. | ||||||
| 03/09/2023 | Yes |
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| Follow up to CFPB complaint : XXXX XXXX- I received a letter dated XX/XX/XXXX from you stating I was refunded {$91.00}. HOWEVER, the amount was refunded on XX/XX/XXXX with no notification to me, therefore the account was not closed as I was awaiting the resolution. I have emailed you and your office a number of times after XXXX XXXX and was not informed of this either. I requested explicitly that the account be closed and fees stopped in my original correspondence. The refusal to address my requests is beyond comprehension as it account owner 's right to request an account be closed. My account was charged YET AGAIN an additional {$28.00}, {$7.00} per month for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am shocked that this has continued to happen. I called today to close the account. To keep the account active and KEEP charging me for that is unacceptable. As per my voicemail today, I expect an immediate full refund of the additional {$28.00} fee, and the closure of my account immediately. I will accept checks mailed to my address as requested originally. Please confirm when this has been completed. XXXX YOUR COMPLAINT I had an account with Simple bank account that I chose to have and open. That company and all accounts were sold to BBVA. An account was opened at PNC when that was sold. I never authorized a PNC account to be opened on my behalf or to open one. I am appalled that a bank has permission to open an account on behalf of a customer WITH FEES. Transferring an account with no fees associated at one bank when sold to another should remain the exact same. I just logged into the account to find out that there has been a monthly fee ( for what I have no idea ) and a paper statement fee every single month. I did not authorize this account, especially one with any sort of fee- or fees- associated with the account. The schedule of fees is below- a total of {$76.00} has been stolen from me from PNC since XX/XX/XXXX. When I called immediately upon creating a login to see these charges, their answer was that a welcome packet was sent to me when the bank sold my account to PNC. I explained that I never received any sort of packet. They had an old address attached to my banking profile, while my single account had a different one attached to it. I have no idea where such a packet was sent, but the bank seems to think that that welcome packet authorizes them to take my money. I did not receive such a packet welcoming me. Nor would I understand how a welcome packet explains their use of my account at their will. Fees have changed from {$2.00} per month to an additional {$7.00} to now {$10.00} according to my research into the account use by PNC. I have used the account for five total transactions over the past 12 months, XXXXwo of the five transactions were deposits automatically made. The remainder of the account use is from PNC, a total of XXXX transactions unauthorized. I did request a debit card by phone when realizing that BBVA had sold to PNC. What I did not authorize, nor was ever disclosed to me, was that this bank account has fees associated with it. When I requested my debit card no one disclosed to me any sort of fees, nor was it disclosed in the banking transfer details. I have an email stating that BBVA was selling to PNC but that is it- it does not say that I would be charged up to {$10.00} per month as a result of that sale and their action of creating a PNC account for me. I request that PNC immediately deposit my money back to me in total of {$76.00}. I would request interest rate of 7 % to account for inflation and money lost to due that interest rate. However, I will settle for a simple resolution of that money being placed immediately back into my account and if they would like me as a customer to guarantee no fees on my account. If not, I request that the account be closed as I do not authorize nor ever would authorize a bank to charge me for the privilege of being a customer with them using my account more than I do, taking my money for that privilege of their being able to dip into it and take whatever they feel is needed. Fees taken from me : XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$3.00} {$76.00} Sincerely, | ||||||
| 10/30/2022 | Yes |
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| My sister passed away on XX/XX/XXXX and myself and XXXX other sisters are descendants. On XX/XX/XXXX there was no estate established yet for my sister but XXXX sister was holding an insurance check made payable To the estate of my deceased sister. She physically walked into PNC Back located in XXXX NJ, signed my deceased sisters name on the back of the check, then signed her name and had a representative at PNC deposit this check into her personal checking account. The check was in the amount of {$13000.00}. Myself and my other sister was not aware of this until after the courts finally established an estate with CO-Administrators ( which was one sister and the sister who fraudulently cashed the check ). The bank has a copy of the cashed check of XX/XX/XXXX and XXXX XXXX court documents showing XX/XX/XXXX as date of issue for CO-Administrator for my deceased sisters estate. An XXXX number needed to be established for the estate and the sister in question immediately filed for this number. By mid to late XXXX we have been reaching out to the sister in question ( still unaware of her embezzling this check ) and she went rogue and we grew concerned. I contacted the insurance company XXXX, who issued the check, and they said it was cashed on XX/XX/XXXX. XXXX emailed me a copy of the front and back of the check. My other sister and I located a PNC bank in XXXX XXXX NJ and immediately went into that bank the very next business day, which was XX/XX/XXXX and spoke with XXXX XXXX. He verified our identity and we showed him the cashed check as well as the estate court papers. He got his manager involved and they said they would send it to the fraud department and get back to us, but we needed to file a police report and go back to XXXX and put in a check dispute. The next day on the XX/XX/XXXX, we filed a police report and contacted XXXX. We continued to keep on top of this but was getting nowhere. I contacted the corporate office of PNC on XX/XX/XXXX and they gave me a case # and said they will have someone contact me. On XXXX a XXXX XXXX XXXX from PNC called, took all the information and I emailed him the police report as well as the CO-Administrator papers. We ended by him letting me know that he will be working on this and will get back to me. While waiting, I researched and contacted many state agencies. They have all said the same thing, that PNC ( and only PNC ) must reimburse the estate {$13000.00} and it must be returned within 10 days of the bank being notified on XX/XX/XXXX. XXXX XXXX called me this past Friday, XX/XX/XXXX and said that I need to contact XXXX and have them contact their issuing bank XXXX XXXX XXXX XXXX ). I explained to them that XXXX already stated that they are a third party in this situation and that clearly the facts that PNC obviously saw a check was written to an estate, signed by a deceased person, endorsed by their customer and deposited in a personal account established at their bank ; this is not a XXXX problem problem. They did what they were supposed to do, established that their XXXX customer is deceased and issued a check To the estate of and mailed to to a family member. I spoke with a gentleman at XXXX after hanging up with XXXX XXXX this past Friday and he repeated XXXX position on this matter but said he will reach out to XXXX XXXX on Monday and go over the entire situation and do his best to get some resolve for our family. My complaint is that PNC recklessly and negligently allowed this to happen and has these funds in an account at their bank. They continue to stall the inevitable and we can not go before a probate judge to have her removed as co-Administrator until we can show that this fraud happened and the bank paid the estate restitution of {$13000.00}. We are also asking PNC to locate any accounts that have my XXXX sister depositing checks that were made payable to my deceased sister. Also asking if there was a checking account open at PNC, after XX/XX/XXXX for The Estate of deceased persons with XXXX sisters name attached to the account. As of this complaint, we have been waiting almost two months to receive this check back & XXXX PNC XXXX accept responsibility for their negligence in a fraudulent activity at their bank. The bank also has the XXXX application and with all of this information on the form, someone can research the tax id # and find out what else she has done to violate and destroy our family. Asking for some peace of my to know someone is out there wanting to help. Sincerely, XXXX XXXX I have attached all necessary documents | ||||||
| 10/10/2017 | Yes |
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| I. THE BANK UNILATERALLY EXTENDED THE INTEREST RATE LOCK AFTER THE RATE LOCK EXPIRATION DATE. The closing of our mortgage loan was originally scheduled for XX/XX/XXXX, and we had locked in our interest rate at 3.75 % until XX/XX/XXXX. The closing was delayed due to myriad of issues on the bank 's side, but by foremost, due to a delay in the bank receiving the appraisal report from its appraisal company. On XX/XX/XXXX, we were notified the closing will not occur on XX/XX/XXXX and we would not find out the new closing date until the following Monday, XX/XX/XXXX at the earliest. I asked the Mortgage XXXX XXXX ( MLO ) whether we can set the interest rate at the current rate rather than extending the rate lock after the rate lock expiration if the then current rate is lower than 3.75 %. The MLO advised me via text message on XX/XX/XXXX she " would fight for whatever [ she ] can get ''. We continued to ask about the then current interest rate but received no definitive answer. The closing was eventually rescheduled toXX/XX/XXXX - 4 days after the rate lock expiration date. Finally, on XX/XX/XXXX, the LMO advised us via email the rate lock at 3.75 % had been extended for an additional 5 days ( til XXXX/XXXX/XXXX ) at no additional charge to us. The bank unilaterally decided to extend the rate lock without discussing it with us or obtaining our agreement to it. We later found out the then current interest rate was 3.625 %. When we complained about the bank just extending the rate lock, the LMO said, the closing would have been further delayed if they had n't extended the rate lock. The bank was not truthful about its intentions on the rate lock and the rate lock extension. Based on the statements made by the LMO after the rate lock was extended, we learned that the bank would have never agreed to the lower interest rate. We asked the LMO ( who in turn asked her XXXX ) whether the bank would be willing to make any concessions at this late juncture and they said no. II. THE BANK HAS NOT YET REIMBURSED US FOR APPRAISAL AND CREDIT REPORT FEES AND FOR OTHER EXPENSES/LOSSES INCURRED AS A RESULT OF DELAY IN CLOSING CAUSED BY THE BANK DESPITE THEIR STATEMENTS TO DO SO. Due to the rate lock extension to XX/XX/XXXX, the bank issued a new loan estimate on XX/XX/XXXX. Although the LMO had informed us the bank would not charge us for the appraisal and credit report fees ( {$510.00} ) because the delay in closing was caused by the bank, those fees appeared on the loan estimate. We informed the LMO of the errors on the loan estimate, and she informed us those fees would not appear on the XXXX XXXX ( CD ) which would be issued the following day. We received the CD at the end of the day onXX/XX/XXXX and those fees were on still appeared on the CD. Once again we questioned those fees and the AVP/North XXXX Market XXXX ( AVP ) of the bank informed us on XX/XX/XXXX those fees were left on the CD because of the timeline in getting the CD out to us. The AVP further advised us that the bank will reimburse us for the appraisal and credit report fees after the closing and any other fees the bank feels is appropriate after the closing. We requested the bank give us our reimbursement check at closing on XX/XX/XXXX, but the bank failed to do so. The LMO sent us an email on XX/XX/XXXX advising us she is checking with the AVP on the status of the reimbursement check. In response to the LMO 's email, we sent an itemized description of additional expenses we had incurred as a result the delay in closing totaling {$360.00}. The additional expenses consist of non-refundable airfare for flight booked for original closing date ( {$230.00} ) ; Power of Attorney ( POA ) preparation fee ( {$75.00} ) ; mailing fee for POA ( {$27.00} ) ; recording fee for POA ( {$5.00} ) ; and wire transfer fee for funds due at closing ( {$20.00} ). It has been more than 3 weeks since we closed on the loan on XX/XX/XXXX. We still have not been reimbursed by the bank for the appraisal and credit report fee or for the additional expenses incurred as a result of the delay in closing. The bank 's lack of response is typical of their communication with us all throughout the loan transaction. All along the way leading up to the actual closing, the bank kept pressuring us that if we do not sign and return receipts and acknowledgement documents immediately, our closing would be further delayed. Everything had to be done urgently even though the bank sent us documents and requested additional information at the last minute at close of business. | ||||||
| 09/21/2019 | Yes |
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| I made my third and final trial modification mortgage payment to PNC bank ( PNC ) on XX/XX/XXXX. Let it be noted, that PNC did not treat me fairly with their trial modification. They have repeatedly made mistakes and taken shortcuts at every stage of the modification servicing process with me, costing me extra money and potentially the loss of my home. Their internal procedure failures are as follows : 1. All my interactions with PNCs departments were inconclusive. I was given the runaround. 2. Systemic problem areas - customer service, collections, loan modifications, Executive Client Office, Loss Mitigation/foreclosures and their external law firm. My struggles began when I was having a difficult time keeping up with my new HELOC payments from PNC after going through a divorce, hospitalization, and loss of income. The loan matured from XXXX XXXX, increasing from {$XXXX} a month to {$XXXX} a month. It tripled. PNC sent me a hardship application on XX/XX/XXXX, stating that I had 30 days to return the application. I provided all the requested documents, forms, and taxes in 17 days. Shockingly, PNC initiated the foreclosure process after only 21 days despite having the completed application AND being within the given stated timeframe. Their law firm, XXXX XXXX XXXX, was pressuring me to sell my home. I had random realtors and buyers aggressively calling me at all times of the day. Foreclosure lawyers were calling me even before I was aware that my home was up for auction. Please note, that I was NEVER serviced with a Collection Notice or a Foreclosure Date of Sale Notice. PNC touted its ability to service and modify loans for me, a troubled borrower. But PNC has failed to deliver required foreclosure protections. Consequently, there may be others that would claim that PNC has wrongfully initiated foreclosure proceedings and has wrongfully held foreclosure sales. Among other illegal practices, PNC initiated the foreclosure process BEFORE even completing my review of loss mitigation applications. My concern was, how can my home be up for sale if my hardship application was never reviewed? There were other instances in which PNC asked me to submit additional information within days but only wanted to run the clock for foreclose sale on me before the deadline. I strongly believe PNCs practices has also foreclosed on other borrowers who were fulfilling their obligations under a loss mitigation review. The CFPB rules require strong protections for struggling homeowners, including those facing foreclosure. A PNC representative named XXXX, called me to say, Ms. XXXX, weve received your application and it has been approved. The new mortgage payment is {$XXXX}. Knowingly, I received the approval because if I refused, my house would be auctioned in the next 24 business hours. I then responded by saying, Wait, thats a huge amount. Before I was paying {$XXXX} a month and that amount is what got me in trouble! This amount is now five times greater than the original {$XXXX}. THIS IS NOTHING LESS THAN PREDATORY LENDING PRACTICES! Ultimately, XXXX said, I understand, but its the best that we can do right now. Lets do a three-month trial payment of {$XXXX}. I agreed to the trial payments. However, realistically, my ex-husband is unemployed making him unable to pay the full alimony of {$XXXX} a month for the last 3 months. He is only able to pay alimony of {$XXXX} a month until XXXX or XX/XX/XXXX. My financial situation has also changed. One of my renters had a family emergency and had to cancel the $ XXXX monthly lease. I also lost a XXXX client, which had XXXX kids at the rate of {$XXXX} a month. Im desperately trying to increase my credit score and pay down my credit card debt. Im a single woman trying to do whats right for my business and my future. To add insult to injury, I also have the below mandatory expenses : 1. My estimated IRS taxes, which are {$XXXX} quarterly 2. IRS was paid {$XXXX} for back and estimated taxes ( XX/XX/XXXX check # XXXX ) 3. Virginia back taxes {$XXXX} ( XX/XX/XXXX ) check # XXXX ) 4. Virginia estimated {$XXXX} ( XX/XX/XXXX check # XXXX ) taxes quarterly Over time, my financial situation has greatly improved, but not enough where I can afford a HELOC payment of $ XXXX monthly. The new PNC payment is unrealistic and not affordable. This is truly unjust! The CFPB should investigate PNC, not for only me but for other consumers collectively, to make sure that PNC consistently provides accurate information and upholds best practices. | ||||||
| 05/15/2017 | Yes |
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| I am a victim of a scam, and although I fell prey to this scam my bank, ( PNC Bank ), should bear all of the responsibility with regards to how it was handled. After applying for a part-time job as a XXXX XXXX I received in the mail, via postal express envelope, on or aboutXX/XX/XXXX. Inside was a postal money order for {$990.00} along with instructions as to what to do as a XXXX XXXX. I was to deposit the postal money order at my bank, ( PNC Bank ), and withdraw {$800.00}, and deposit the {$190.00} as my fee for being a XXXX XXXX this week. Before I went to my bank on XX/XX/XXXX I took notice of the Postal Money Order to be certain this was a good Postal Money Order, and not a scam. On the face of the money order in capital letters is " SEE REVERSE WARNING. '' Now on the reverse is as follows : WARNING CASHIER REQUIRE POSITIVE IDENTIFICATION HOLD TO LIGHT AND CHECK FOR XXXX XXXX XXXX XXXX XXXX XXXX The cashier did none of these things, and had she done so she XXXX have seen this XXXX XXXX Order was fictitious. I myself checked for the XXXX of XXXX XXXX, and it was there, however what I did n't pickup on was the fact that the XXXX thread was on the outside of this Postal Money Order, and not embedded inside like it is supposed to be. The cashier did not check anything on the reverse side, nor did she check for the XXXX, or the XXXX thread and did n't notice the security thread was on the outside. As a consumer I missed the security thread, but she, as a teller of PNC Bank, should have caught this security thread infraction, and would certainly have found this money order to be fictitious. With the {$800.00} I took from the money order I went to XXXX and was instructed to purchase {$800.00} in XXXX gift cards. I was to then report back to them on how I was treated by the clerk/cashier. I then took the gift cards, and was to take a picture of the reverse side after I exposed the pin numbers. I was to hang onto the gift cards for my next assignment. A couple of days later, ( I believe Monday XX/XX/XXXX ), I received another postal express envelope with 2 Postal Money Orders for {$970.00} each, ( {$1900.00} ). There were no instructions this time so I called them and told them I was finished as I did n't feel comfortable with this program, and I was going to return the money orders. He told me that the money orders were made payable to me, and he could n't cash them. So he gave me the name of his bank ... XXXX XXXX XXXX and gave me the account number. I was to cash the money orders at my bank and to deposit the money into his bank account at XXXX XXXX XXXX. A week goes by, ( I 'm not good on these dates but they are close ), in my mailbox XX/XX/XXXXare 5 envelopes from PNC Bank ... I thought " this is not good. '' Sure enough all 3 of the Postal Money Orders were returned as fictitious. Since I had overdraft protection they took the money from my checking account and then depleted our savings account to a balance of one cent. There were also several checks not clearing my checking account because that was depleted down to {$55.00}. I went to the bank and spoke with the branch manager, ( XXXX new to this branch ). He tells me that his cashiers had been instructed not to cash any money orders. In fact the person who helps us with our accounts told my wife if she was here at the time, ( she was on leave ), she would have never cashed those money orders. Now the same cashier cashed all 3 of these money orders, ( {$2900.00} ), and she not only did n't pay attention to the warnings on the money orders to see if they were good, but she did n't follow instructions from her manager to : NOT TO CASH MONEY ORDERS! Either one of these many warnings would have stopped the cashing of these money orders, and we would n't have lost all that money. I will never again have overdraft protection on our accounts. It should have never gotten to this point if the cashier, and the bank had done its job. Are we suppose to lose our savings, and most of our checking accounts because the teller did n't do her job? I think not! I have filed with the PNC Bank home office, or regional office in XXXX Pennsylvania to no avail. They told me there was nothing they could do for us. I had already at that point filed with the local police, the FBI, the FTC, the State Attorney General 's Office, the Post Office/Postal Inspectors, and my Congressman. I have been in contact with the local newspaper XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX. I also sent an email to XXXX, and one to the President Donald Trump. | ||||||
| 08/03/2017 | Yes |
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| I applied for an auto loan online with PNC bank in XXXX XXXX , 2017. I set up the closing for XXXX / XXXX /17 and was first told that I could close it at any PNC branch than I was told that it had be at the branch where the car was located and both parties had to be present. I explained over the telephone that I live 3 hours away from the seller, and I had to ensure that the seller would be release from his debt in the closing ( XXXX ) and I would be able to transport the car home while awaiting the title. I was assured this would be no problem. When I and the seller showed up for the closing ( a confirmed time XXXX XXXX XXXX XXXX , 2017 ) nothing was done, It took approximately 4 hours. First the branch people could not get the paperwork to print, than they had to reissue the check since they made it payable to the wrong party. Than they had to reapprove the loan again. In the closing I and the seller made a point that the checks ( PNC loan check {$10000.00} and my additional payoff check {$5900.00} ) would be overnighted to XXXX XXXX by PNC Bank since we were dealing with an end of the month payout and per diem interest. I was assured it was not problem. After about a week I called XXXX and they had not received any checks for payoff. I called the branch and was told against what PNC corporate stated that all the paperwork and checks were sent regular mail to the home office for processing AGAINST what we had agree on and against what was represented to me as PNC disbursement policy. In addition I was told that PNC bank had no way to track anything ( paperwork or checks ). At this point, I was also informed by the local bank manager that PNC forgot to collect and additional {$35.00} fe e from me for Fl Tax Stamp and without this fee the loan could not be funded? I immediately sent the check on Monday XXXX / XXXX /17. The manager also offered to stop payment and reissue a bank check to me if I could stop by, again not understanding I live 3 hours away, no offering an explanation as to where the checks are, when they were sent, how they were sent. She was more concerned to check the PNC phone logs to see if I did indeed call corporate. She also was adamant that they always send everything to corporate and only overnight checks and paperwork when it is an equity loan which is ridiculous. She also could not answer when the checks and paperwork was sent, first it was XXXX / XXXX /17, than it was XXXX / XXXX /17, than it was XXXX / XXXX /17???? I opened all the " copies '' of the documents I signed that I was given during the original closing on XXXX / XXXX /17 and they are not signed copies, they are all blank? This made me extremely concerned and I called corporate and spoke to a manager XXXX in the auto loan department. Everything that I was told by the local PNC branch in XXXX was not true as to how they conduct business. All dispursements are handled at a local level and overnight mail, all documents are sent interoffice mail next day for processing etc. He offered help to start the transaction over so that interest would stop accruing and the seller would not have to make another {$700.00} payment to XXXX for XXXX XXXX , 2017. PNC corporate was also able to finally locate the 2 checks ( XXXX / XXXX /17 ) that were sent regular mail to PNC corporate from XXXX . The branch manager offered this on XXXX / XXXX /17 and as usual never followed up or called me?? The local branch manager and the XXXX PNC office held onto collaterally assigned funds, both the loan from them, and my personal check, in addition the branches incompetence has lead to additional interests cost to me as well as the seller. The seller had to make an additional {$700.00} payment to XXXX even though the paperwork I believe released him from the obligation since PNC was paying off the loan in a timely fashion. PNC has put me in a breach of our original contract for the sale of the car, not to mention his loss of interest and time. The local managers blatant lack service, effectiveness and incompetence has damaged both parties involved in this simple transaction. I expect copies of all signed documents forwarded to me as well as I want to be compensated for the additional interest costs associated by PNC Bank XXXX incompetence in this transaction. If you need any additional information I have copies of all emails, documents, and text messages confirming the misrepresentation and calamity instituted by the XXXX PNC Bank Branch. | ||||||
| 05/08/2023 | Yes |
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| We were contacted through a group on XXXX called XXXX XXXX XXXXXXXX XXXX whom we are a member of, to take a look at another page XXXX XXXX XXXX for Adoption and Rehoming. We had posted we were interested in purchasing a XXXX XXXX and a member reached out saying that this breeder had available puppies and to take a look. We now believe this person, XXXX XXXX XXXX, was working with the impersonator to drive people to the group. We reached out to XXXX XXXX on XX/XX/XXXX about a dog named XXXX. These conversation are included In this letter. Based on the conversation we agreed to purchase the dog for {$800.00} dollars which included her husband driving the dog to our home from Ohio to NJ, which was about a 7 hour drive. We agreed this puppy would be given to us around XXXX on XX/XX/XXXX. The impersonator then asked us to complete the transaction through XXXX using the email address XXXX and to put the name XXXX XXXX which she would later state was her husbands account. We made the payment, but immediately saw that the name on the account was XXXX XXXX. We also received an email from PNC stating that XXXX would not receive the money until she set up her XXXX payment account and would have 14 days to do so. We became nervous about this issue and were even more worried when she immediately then requested we cancel that payment and resend it to the phone number XXXX. We explained we could not cancel it and I then reached out to the PNC customer service chat about this concern as I was worried I was being scammed. They advised me not to send another XXXX to that payment account and went over my dispute options once the payment posted. Upon checking, this number also showed XXXX XXXX on the account. After the initial payment was made we had no further contact with the impersonator until the next morning, when they tried to extort an additional {$300.00} dollars from us on the basis that it was important for the dogs health to stay with them until Thursday and have their last shots that would cost {$300.00}. I declined and explained that this was not the deal we had made and if they could not fulfil their end of the agreement I would like my money returned to me immediately. At this time, we became pretty sure this was a scam, but were optimistic. We were told the dog would be in our hands by XXXX XXXX. I asked for a picture to show when the dog left and they said they would do that. By XXXX XXXX that day we had not received any contact from the impersonator and were alerted by one of the members of the group that she was, indeed, a scam artist. At that point I asked for my money back and they began writing gibberish back to me. At that point they blocked me and removed/blocked me from the group. On Monday, XX/XX/XXXX, I reached out to PNC Bank customer service via chat to ask about starting a dispute. The customer service rep took almost an hour to even start the dispute process. Once the dispute process began they asked me a series of questions about my dispute that had multiple choice answers. None of the answers applied to my situation and I explained that to the representative, but still had to choose. I picked unauthorized transaction because that was the only choice that remotely resembled my issue. They then asked me a serious of questions I could not answer as I was scammed and did not have people 's real names or contact information. I explained this to them and was told that they would process the dispute and I would be contacted from someone at PNC to discuss it further with information I could give them. On this same day, I mailed my dispute and all supporting documentation to PNC bank via XXXX trackable and signature required mail. I have the name of the PNC employee who signed for this letter, as well. I have proof of receipt that this document was not received at PNC bank until Friday afternoon, XX/XX/XXXX. A letter, dated XX/XX/XXXX, was received today ( XX/XX/XXXX ) that an investigation had been done and the dispute was denied on the fact that the transaction was valid. It is clear that neither the bank or the dispute department did any investigation or even looking at the detailed dispute letter with documentation I sent. I even wrote about the Electronic Funds Transfer Act, Regulation E and how it should protect me. Everything was ignored. PNC takes no responsibility even though you MUST go through XXXX on their app and they are co-owners of the application itself. XXXX has told me I can only dispute via PNC. I also filed a fraud report with the FTC. | ||||||
| 12/05/2022 | Yes |
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| I have a XXXX XXXX Loan through XXXX XXXX XXXX ( XXXX ) that is serviced by PNC Bank. It is a {$15000.00} loan. The loan was originally disbursed on XX/XX/XXXX. I've paid {$8600.00} towards principal and {$7000.00} towards interest, as of today ( XX/XX/XXXX ). My current principal balance is {$7200.00}. I am not in default and I have auto-payment enabled. I just noticed last night ( XX/XX/XXXX ) that, XXXX months ago ( XX/XX/XXXX ), my account was issued a letter stating an incoming increase in interest rate, from 5.79 % to 7.23 %- which is fine, as my promissory note provides a standard/variable rate. However, at the same time, my monthly payment was LOWERED from {$140.00} ( with a 5.79 % rate ) to {$130.00} ( with a 7.23 % rate ). My original monthly payment in XXXX was {$130.00} and slowly increased through time, eventually becoming {$140.00} in XXXX. Again, this is fine - no qualms with this. However, PNC adjusted my loan with a new payoff date ( 68 month term, finishing XX/XX/XXXX ) without any disclosure, notice, signature, or communication otherwise, absent a letter posted to my loan account inbox. Is the monthly payment DECREASE in conjunction with an interest rate hike not against federal law? I know payments can *increase* due to an interest rate hike - that makes sense. To lower your monthly payment, however, in conjunction with an interest rate hike, literally extends loan repayments by years. I did not agree to this change, nor was I mailed anything reflecting the interest rate change or the decrease in monthly payment. As mentioned, the interest rate change I have no gripes with - that's per the terms of the loan. Lowering my monthly payment, without informing me, and arbitrarily extending the life of the loan, provides me qualms. If a lender is able to increase your interest rate ( which lowers the amount being contributed to principal with no monthly payment amount change ) and is able to lower your monthly payment ( which lowers the amount being contributed to principal ), at the same time ( which further decreases the amount being portioned to principal - XXXX decrease due to interest hike, another decrease due to lower payments ) without permission or otherwise, does that not mean the lender can indefinitely increase the length of loan payoff? The lender already increased the amount of time it'll take me to pay off the loan ( minimum monthly payments ) with the interest rate increase. Yet, they further extend the amount of time it'll take to pay off because they now want to... charge less. For what purpose would they charge someone a lower monthly payment, in conjunction with an interest rate increase, other than to purposefully extend the life of the loan, thereby solely extending the amount of profit made from more interest payments? Extending the life of a loan only benefits the lender as the only increase is interest payments. What is to stop the lender from doing this again in 3 years? What if they again raise my interest rate, and lower my monthly payment in conjunction. At that point, can they not have a new payoff schedule set to complete in XXXX, instead of the current XXXX? And what if they were to do it again, 3 years after that? It is an *indefinite* extension of the life of the loan. As far as I know, no lender, in any service, can do this. If you have a variable rate mortgage, when the interest rate increases, the mortgage lender can not arbitrarily lower the borrower 's monthly payment at the same time. If I am mistaken on this, I apologize for wasting the time of whomever is assigned to handle this complaint. However, I do believe that no lender can lower your principal amount contribution in conjunction with an interest rate increase, without proper notice, or obtaining signature in change of payment details. Again, the interest rate increase is not the problem here- it is the arbitrary lowering of my amount being contributed to principal in conjunction with increase in interest so as to extend the loan indefinitely. At the risk of sounding like a XXXXXXXX XXXX : Are indefinite loans not against the fabric of society? There is no conceivable way that this can be allowed by federal law. I've attached XXXX payment stubs to prove my loan figures mentioned above. XXXX from XXXX and XXXX from XXXX, XXXX. I've asked for a copy of my promissory note, and XXXX informed they are mailing it to me- I can provide that to you as well, once received ( or anything else you may ever need - please don't hesitate to ask ). | ||||||
| 08/22/2023 | Yes |
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| I have an investment property mortgages serviced by PNC Bank , National Association ( " PNC '' ). The mortgage was originated with XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. Servicing was transferred to PNC effective XX/XX/XXXX. The mortgage was enrolled in automatic payment through XXXX, and the bank account information from XXXX was furnished to PNC and I was automatically enrolled in PNC 's automatic payment subject to the " PNC Automated Payment Terms and Conditions for PNC Mortgage and Home Equity Accounts '' ( " Auto-Pay Terms '' ). I note that the automatic payment was with a bank account ending XXXX. Pursuant to Section 16 of the Auto-Pay Terms, a cancellation must be made three ( 3 ) business days before the next payment due date by using ... .. ( b ) fax [ the ] request to XXXX. A copy of the servicing transfer letter, auto-pay transfer and the Auto-Pay Terms are attached. A new bank account was to be used for the XX/XX/XXXX payment. On XX/XX/XXXX, a new " Automated Payment Authorization Form '' ( " Change Form '' ) was completed with a new bank account to be used for automatic payment. The form was furnished by PNC through it's website. The completed and signed form was sent to PNC by fax at XXXX on XX/XX/XXXX. A copy of the Change Form and confirmation of transmission by fax are attached. Because an auto-pay change is a de facto notification to PNC to cease using the account ending XXXX and since XX/XX/XXXX was more than three business days prior to XX/XX/XXXX, that PNC was provided ample notice pursuant to its own Auto-Pay terms to cease using that bank account. On XX/XX/XXXX, a PNC payment failed because of insufficient funds in account ending XXXX ( the account is to be closed and and therefore no funds were kept there ). I called PNC the following day ( XX/XX/XXXX ) and spoke with a representative named XXXX. XXXX indicated that she had no record of the fax being received, and this is why the auto-pay was not changed. She was able to have the payment information changed for the XXXX payment and suggested I make a new payment online. I had inquired about a fee being charged for the returned payment noting that I had proof that the fax was sent and that PNC had sufficient time to act ; however, at that point, a payment return had not been posted, so she was unable to opine on fee removal. A new mortgage payment ( from the correct account ) was made on XX/XX/XXXX. I called PNC again on XX/XX/XXXX after seeing the {$25.00} non-sufficient funds fee posted. I am attaching a copy of the fee notice and statement. The representative ( I could not gather the name ) also would not remove the fee. Her argument was that the signature block presented the text : " I Understand that I must continue to make payments on my account until I have received confirmation from PNC Bank that my request has been processed and when automated payments will begin. I accept that automated payments will continue on my account until I, or PNC, cancel the service. '' This argument is however a non sequitur. The argument is that " if I have not received the confirmation, I am therefore not enrolled in auto-pay, therefore I must continue making payments ''. This would be true if this were a new enrollment and I had not timely made a mortgage payment ( the XX/XX/XXXX payment is timely due to the 15-day grace period on residential mortgages ) ; however, in this case, I am presented with a fee for a returned payment which pursuant to the Auto-Pay Terms was validly canceled. In the alternative, Section 15 of the Auto-Pay Terms governs changes and requires that changes be made ten ( 10 ) business days prior to the next scheduled automated payment date. The scheduled automated payment date was XX/XX/XXXX ( which was a Sunday ). The XX/XX/XXXX change was fifteen ( 15 ) business days prior to XX/XX/XXXX, which again was sufficient time to process the change. I also note that receiving confirmation of the change is not a condition of the validity of the change itself ; only that I must continue to observe all other payment terms of the mortgage ( which I have ). I only want to have the {$25.00} fee removed or credited ( or if this matter is resolved following the due date of the fee, where I intend to pay the fee to avoid a further question of delinquency, refunded ). I am not harmed in any other way and incurred no fee at my bank as a result of the returned payment, but do not believe PNC should profit from their negligence and violation of Regulation E. | ||||||
| 09/22/2021 | Yes |
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Web | Older American |
| In XX/XX/2021 I received a notice from XXXX XXXX XXXX that my monthly rate was going to increase. I called XXXX XXXX at XXXX to cancel my service because I could not afford the increase. XXXX removed the increase and also gave me a 10 % discount. Because of the offer I did not cancel my account. When the XXXX transaction processed at PNC Bank it was for the full amount. I called XXXX and left a message but did not get a return call. I disputed the charge based upon the wrong dollar amount charged. I received a credit for the {$49.00} and a investigation was started. I eventually was able to contact XXXX and explained what I did. She looked at the account and said the correct amount should have been {$42.00}. I told her to run that amount and it should pay. When XXXX attempted to process the correct amount It failed to process. I called PNC Bank and spoke to a representative about the issue. I was told that two amounts were trying to process, one for {$49.00} and one for {$42.00}. I called XXXX back and told her what happened. She then cancelled the XXXX payment and said the {$42.00} would be charged in XXXX. When the XXXX payment attempt was made it failed to process again. I called PNC Bank and was told that the payment problem was on the XXXX side. I questioned the fact that there was a dispute filed, would that cause the problem. I was told no. I called XXXX again and she looked at the account and cancelled the XXXX payment. The next payment was due in XXXX. When the XXXX payment was attempted to be made the payment was rejected by PNC. I called PNC again speaking to a different representative and that person told me that the dispute was in fact the problem. I told that representative that the correct payment is {$42.00} and that the other bills were voided. That representative asked then if the issue was resolved. I responded yes so they charged my account the {$49.00} when no payment was due. I filed another dispute because nothing was due and moved the payment to another bank so the bill would be paid in a timely manner and paid correctly. I have been getting letters over the issue from PNC Bank so I went to a local branch and spoke to a XXXX XXXX at the XXXX XXXX here in XXXX. I explained the issue to him and he understood, after looking at the history of what went wrong. The dispute was filed incorrectly by PNC Bank. XXXX entered information into the PNC Banking System to correct the problem. A few weeks later another letter came from PNC Bank over the same issue. I once again contacted XXXX XXXX, the branch manager at XXXX XXXX, and once again he looked at the account and sent an email to someone and said he would watch the email to see when someone read it. He also said that the issue should be taken care of. On XX/XX/XXXX I got another letter from PNC Bank over the issue saying that their investigation showed that the payment should have been made and that they were going to reverse the credit given on XX/XX/2021. I sent XXXX XXXX another email and a copy of the letter. I told him that I would start closing accounts at PNC unless this gets corrected. I received an email on XX/XX/2021 from a PNC Bank Representative wanting to talk to me. We eventually connected over the phone and she said the same thing as the letters have been saying that they would remove the money from my account on the XX/XX/XXXX. I explained that nothing was due and the money needed to stay in my account. She was adamant about removing the money from the account even though nothing was due. My XXXX account was paid as agreed. Here is a case where a customer is not protected using a debit card for unauthorized charges. This money belongs to me, not PNC Bank and not XXXX. Even a branch manager could not get this resolved because the dispute department and their representatives will not listen. They are just lazy and do not want to investigate properly. All they would have to do in contact XXXX and ask if the payment is due, but they could not be bothered. Its easier to put the customer through XXXX in this ridiculous process. I have even provided proof that the account is current. PNC Bank wants information of how the bill is being paid. They want the account number of the bank that I am using to pay the XXXX account. I will not provide them with that information. I feel it is none of their business. The bill is mine, not PNC Banks. The money is also mine, not PNC Bank. I want the {$49.00} returned to my account and this issues settled. | ||||||
| 08/15/2023 | Yes |
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| XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX : XX/XX/XXXX ; XXXX {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX, Oklahoma XXXX PNC Bank , XXXX XXXX XXXX XXXX XXXX : XXXX {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Re : This third-party interloper sue without proper notice ; Refused Validation Dispute : Per : Promissory note security instrument 15 USC 78c ( a ) ( 10 ) : ( A ) I am disputing the debt alleged by attorney XXXX XXXX ( He ), third party interloper, allegedly for PNC Bank NA , who has unlawfully filed suit to collect an unreported Internal Revenue Service taxable event, and unsubstantiated claim of debt. Third party interloper- XXXX XXXX has refused many requests for debt validation, including a Notice of Error and for QWR [ Qualified Written Request ], and to provide other items including a {$170000.00} dollars extension of credit/payment receipt, canceled check, money transfer transaction, tax or any records showing funds transferred on my behalf. ( B ) I dont believe this is my debt because, I have asked third-party interloper XXXX XXXX to prove- debt owed by me, as they refuse disclosure funds transferred on my behalf receipt records dating between XXXX. I requested record via XXXX ; Notice of Error including several affidavits of fact sent for over two ( 2 ) years now, and have defaulted them for failing to answer or provide evidence of a loan money transfer. Yet they began a foreclosure action to adverse the property. ( C ) The amount is wrong because, He fails to provide the statutory provisions deeming that a note security instrument is deemed a debt and not a ( asset, credit, monetary instrument, negotiable instrument, payment order, order paper, check ) deposit cashed. Which leads to speculation of did the note instrument already payoff the property? Thus, the Mortgage transaction looks like an intermediary fee for processing the note to settle property purchase with the seller. Misleading deception using terms and words loan, lender, borrower, fictious use of language fail clear concise terminology saying the word loan instead of service fee. Thus, usury excessive fee charge ranging 10,000 % over value of service. Fail providing invoice rate of service disclosure that it would cost me {$170000.00} dollars plus 3.625 % payment for 30 years plus pledging {$350000.00} asset property for a fee not credit extension loan repayment. Because theres no loan to repay. Where refused providing evidence of loan extension of credit funds transferred for said loan thus, property pledged for payment obligation deems threat duress coercion inducement to fraud act of omission deceptive, failure to provide terms disclosure the note note security instrument would be converted/swap/switch into a negotiable instrument/check by means of the undisclosed third-party endorsement attachment with the words : pay to the order of bank president XXXX XXXX XXXX. Exhibit A : Hidden Signatures on note ( D ) Other, for lacking good faith : ( 1 ) He, refusing to validate debt yet demanding {$170000.00} and unlawfully set foreclosure processing. Refusing to provide tax information, tax ID for taxable events over {$600.00}, refuse to provide filing of IRS Form 8300, required filing for money transactions over {$10000.00}. ( 2 ) the alleged Mortgage document filed on county public records fails certification with, The XXXX XXXX Department of Revenue Apostille office and XXXX XXXX XXXX XXXX having no Notary acknowledgment or seal and identification number to verify a signature. Missing Mortgage ( bill ) maker liable signature. Thus, evidence of an imperfected mortgage deems- void. ( 3 ) The signature on the mortgage and note is not mine, it is forged! Exhibit B : Missing Notary Acknowledgment ( 4 ), the endorsement of XXXX XXXX XXXX XXXX was never filed on record at the county clerk office a failure to disclose that the ( promissory note ) note security instrument was changed after closing day XX/XX/XXXX, by other people endorsement and signatory. Evidence non-disclosures about other parties signatory attachments after closing is evidence the act of omission deception inducement to fraud- Deems Any and all contracts-void. Exhibit A : Hidden Other Signatories on note | ||||||
| 10/27/2022 | Yes |
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Web | Servicemember |
| The following information is emails that I sent to the CEO ( XXXX XXXX ) and other PNC BANK associates regarding my accounts ending in XXXX ; XXXX. XXXX. ) Hello, My name is XXXX XXXX and I am being denied access to the funds for my following accounts ending in XXXX ; XXXX. I received a call from the PNC Bank Manager ( XXXX XXXX ) who is located at the XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Tx, XXXX on last Friday XXXX. I was instructed by XXXX XXXX to go to the PNC Bank in XXXX Tx, XXXX at XXXX XXXX on ( XXXX XXXX XXXX ) on Monday, XXXX to show documentation for my current accounts so that I may have access my funds. I met with XXXX XXXX who was instructed to release the funds. However ; as shown in the attached documentation, the funds were made available and then taken away. I don't understand why the funds were taken back when I am currently joint ownership on the accounts. I am reaching out to you all to help me understand what is going on. XXXX. ) Hello, My name is XXXX XXXX. I emailed you all on XX/XX/XXXX at XXXX XXXX regarding me being denied access to my funds for my following accounts ending in ( XXXX ) ; ( XXXX ). I was contacted back via phone call by XXXX XXXX from phone number ( XXXX ) XXXX. XXXX XXXX was on the call as well ( PNC Bank Manager in XXXX, Texas ). I was instructed to send over email conversations that I had with XXXX regarding my accounts ending in ( XXXX ) ; ( XXXX ). I sent over all the information that was requested from me by XXXX XXXX to her email on XX/XX/XXXX. Upon conclusion of the phone call XXXX XXXX removed my account ending in ( XXXX ) from my online banking, without my approval. I reached out to XXXX XXXX to ensure she received the emails, and she confirmed on XX/XX/XXXX via phone call that she will review the information and get back to me. Since our last conversation I have called twice. I left a v//m on one occasion but, still no call back. I called again on Thursday ( XX/XX/XXXX ) of last week and was advised by another colleague that XXXX XXXX was on another call with a customer but, I could set up an appointment for XX/XX/XXXX at XXXX XXXX with XXXX. However, I never received a call back. I called XX/XX/XXXX and spoke with a XXXX XXXX contact number XXXX because XXXX was now out on vacation. XXXX was now instructed to look into my complaint. I have sent over proof of what was requested from me to XXXX XXXX at XXXX pnc.com via email on XXXX. How can you just take someone's accounts based on your personal opinions instead of looking at the proof I sent over to XXXX. My accounts have been showing on my online banking since before PNC Bank brought XXXX. What legal right does XXXX XXXX have to remove my account from my online banking? Please someone call me back at ( XXXX ) XXXX. XXXX. ) Hello, Can you please email me the signature card that you have on file for my account ending in ( XXXX ; XXXX )? XXXX. ) Hello, I just received a call from XXXX XXXX XXXX XXXX and she advised me that the signature card on file for my account ending in ( XXXX ) has my grandfather 's name along with mines ( XXXX XXXX ) as ( POA ) and not joint owner on the account. I would like to have a copy of the signature card sent to my email please XXXX. I explained to her as well as XXXX XXXX that I was my grandfathers POA only to investigate fraudulent activity. Once the bank ( XXXX ) discovered that my grandfathers children were stealing his money. The bank Manager with my grandfathers consent merged my grandfather account with mine, to protect the money. I can send over any proof you all may need in order to make a sound decision. I would appreciate it if someone in a leaders role could call me back at XXXX. I received call XX/XX/XXXX at XXXXXXXX XXXX from another PNC Bank XXXX named XXXX her contact number is XXXX which, lasted for XXXX mins. XXXX was basically saying that the signature card has my grandfathers name and mines XXXX XXXX but as POA, when I asked to have a copy emailed to me XXXX told me NO that its the property of PNC Bank. XXXX says the only was they will talk to me again is if I email her documentation of My grandfather 's XXXX XXXX. Or I have to get a court ordered document that shows I am the rightful owner of the accounts. Plus she advised me to get a lawyer. I have documentation that PNC Bank sent me showing me that my Grandfather XXXX XXXX XXXX is TITLE I, and XXXX XXXX XXXX is Title 2 on both accounts ending in XXXX ; XXXX that was mailed to me on XX/XX/XXXX. | ||||||
| 01/27/2019 | Yes |
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| ItriedforTHREEhourstobookaflightandpayviadebitcard.Despitemorethansufficientfundsthereservationdidnotgothrough.Icalledthebankandthearrogant,incompetentclerksgaveinconsistentexplanationsfromitwentthroughtoitdidnotbecauseyouneedtoverifyit.Thestaffwasextremelyrudeandhadaxenophobicattituderudelyaskingmyself(whograduatedfromaXXXXXXXXXXXXschoolandhadclasseswithtwoSupremeCourtjudges)ifIwasabletounderstandEnglish.InanarrogantmannertheyrepeatedafewphraseandhadtheaudacitytoquestionmycommandoftheEnglishlanguage-themselvesbeingunabletounderstandthemostbasiclegalconcepts. Idemandedtotalktoasupervisor,waskeptfortwohoursonthephoneandconstantlyaskedsecurityquestionsastomyaccounttogetridofme.Igavethemallofmyinformation,frommySSnumbertotheplacesIresided,frommycarstoallinformation-allunderthepretextofsecurity.Iansweredallofthemcorrectlybuttogetridofmeinquiringthereasonswhythetransactiondidnotgetthroughthesupervisorwhorefusedtogivemeherlastnameaskedwhatmyheightis-whichIdidnotknowimmediately(alsogiventothefactthatshedemandeditinincheswhichnocountryintheworldusesbuttheUS)ASARESULTSHEILLEGALLYFROZEMYACCOUNTDENYINGMEACCESSTOTHEFUNDSANDILOSTOUTONTHEFLIGHTInherxenophobicattitudesheconcludedthatanyonewithanaccentisaXXXXorillegalalienfromathirdworldcountryandneedstobeaskedtwentydifferentquestions.Absolutelyirrelevantstupidquestionsthathavenothingtodowithsecurityatall-mycardsaysXXXXXXXXXXXXandsheaskedmewhatothernamethanXXXXdidyouhave?-wellanyonecanfigurethatout. Whathasyourheighttodowithasecurityquestion?Perhapsthenexttimeyouneedtotellthemhowmuchyouweightis?Allofthischangesalsoovertheyears! PNCwillfalselyclaimthattheytakesecurityveryserious-ImadethemawareofawebsitethatclaimsPNChaslocationsinCalifornia-apparentlytheyarefishingforclientinformationandinsteadofthankingthecustomersandshowingsomegratitudeofmakingafinancialinstitutionawareofphishingwebsitesandlocationstheyignoreyou. Icontactedtheescalationteamseveraltimes.Theyarenotinterestedinworkingwithacustomerofmorethantenyearsbutonlyintodraggingouttheprocess,engaginginagameofleavingvoicemessagesandofferingnothing.ItisafactthatPNCattemptstocoverupitsxenophobicunprofessionalconduct,neverevenbotheredtoinvestigatethematterandIwasmoreorlesstoldtheywouldtryfreezemyaccountpossiblyblacklistme.TheemployeesMr.XXXXandXXXXXXXXXXXXXXXXXXXXnevereventalkedtome,ignoredallofmymessagesandiftheycallbacktheywillcallyouatthethetimeyouarenotavailable-whenIrequestedthattheycallmeintheafternoonafterXXXXMsXXXXwillcallyouinthemorning.Theywillcallyoutwotimeinonehourandclosethecaserightafterthat.Thenyouhavetocallbackandforthenexttwentyfiveminutesyouareagainleftwith3clerkswhoaskedyouallofthesamequestionsfivetimes.TofileacomplaintyouneedtohaveyourSS,plusplusinfobecauseotherwise-otherwisecriminalscouldfileacomplaintagainstPNC??? AgainPNCinthenameofsecurityneedstoknowmyheightininches(whatisyourheightincm??)freezesmyaccount,neverapologizesorreachesoutbutPNChasnoproblemifotherwebsitestrytogetinformationfromitscustomers. Thatwillbeignored,too. IalsowroteanemailtotheCEOofPNC-XXXX.MrXXXXisawareofthesecuritythreattohiscustomersbythesefakelocationsandignoresit.ThesameseemstoapplytotheexenophobicconductofhisemployeesMynextstepwillbe-perhapsPNCwillthenblacklistme-tocontacttheHouseFinancialServicesCommitteeanditsmembersincludingSenatorXXXXandSenatorXXXX.PerhapsinthemeantimesomePNCcustomersgotalreadyburnedbythefakelocationsHerethe"PNCbranches''inCAXXXXXXXXXXXXAccordingtoPNCtheyXXXXnotPNClocationsXXXXandPNCdoesnothingtowarnitscustomersandignoresyouwhenyoumakethemawareofthis.Sojustcallthemandgetaloan,givethemyourSSandmore! ButthisXXXXguyhasanaccentandthereforeheispresumedtobeacriminalbecauseheanswered20securityquestionscorrectlybutdidnotknowhisheight. FAKEPNCLOCATIONS(ButnoactionhasbeentakenbythebanksincePNCdesnotcare-perhapstheyknowtheirheightandhavenoaccent)PNCBank1.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank2.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCityCAXXXXPNCBankXXXX.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank4.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank5.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank6.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCMortgage7.PNCMortgageMortgagesRealEstateLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXCAXXXX | ||||||
| 11/09/2018 | Yes |
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| This all started on XX/XX/XXXX I woke up and my PNC Bank account was negative 110.00 due to my car payment. I used money they had left and even had to borrow money to take my account out the negative so I wouldn't be charged an overdraft fee I couldn't afford. The last time I checked my account was XXXX that day just to make sure everything was fine and it was. Next day I get an alert saying my account has been overdrawn and I'm initially confused because I haven't used my card for anything since Saturday and everything processed on Monday so what else could it be. I see I had a negative charge of about XXXX dollars which wouldn't have been a problem cause I would have just added XXXX to my account to bring it back positive again yet I was charged a XXXX overdraft fee on top of the XXXX that I went out my way to avoid the previous day. When I called PNC bank that morning I spoke with a representative that told me the XXXX comes from my car payment but that didn't make any sense because my {$430.00} car payment was processed on Monday which caused my account to be -110 why wasn't the extra XXXX just charged on Monday making my account XXXX and I could have deposited XXXX or more on Monday XXXX instead of -110. So I explain that to the rep and I also explain that I just took my account out the negative the previous day buy depositing money and when I checked my account after work at XXXX my account was fine so what happened overnight that made me negative and charged a fee. At worse I should have been charged XXXX and given a chance to add money to bring my account out the negative but instead I was charged an overdraft fee right away after going to bed thinking my account was fine. The rep seemed to agree and did more research on it and even had to put me on hold for about 10 minutes because even he was confused. When he came back he kept inferring that it was a charge from Monday which I kept explaining why it made no sense from my standpoint and he then later tried to refund the overdraft fee for me but it was declined. He then told me he would have the manager from the overdraft department call later that day of XXXX or tomorrow XXXX. The manager did end up calling me on XXXX early in the afternoon and I explained to the same situation I explained to representative before her who was also way more helpful and she just seemed disinterested. I explained that I took all precautions to make sure my account wasn't negative to avoid a fee and how I'm not able to afford a overdraft fee. She gave me the run around and tried to justify the overdraft fee even after I explained how it didn't make sense and was bogus/unfair, she still didn't take anything I was saying into consideration but instead suggested I keep money in my savings account or apply for a credit card through PNC. At this point I got frustrated and couldn't understand why she make this big of a deal about XXXX dollars and refund me the fee and I just pay the XXXX dollars I needed to pay especially when I made a legitimate case that made way more sense than me being charged an overdraft fee for something that I guess was just partially processed on Monday and made my account negative overnight on Tuesday giving me no chance to fix that before I work up early Tuesday morning at XXXX with a {$36.00} fee. I mentioned I would fight this because PNC does have a recent history of being sued for overdraft fees like this and have 2 recent class action lawsuits against them for this very reason. My mother who also banks with PNC has gotten payouts over 1000 dollars twice due to joining the lawsuit. I have had a fight with PNC is the past just about a year and a half ago and refunded me over 100 dollars in fees. What transpired with me is shady and just down right ridiculous especially when you can see the deposits I made in my transactions to bring account positive. You can see I didn't just let my account go and made an effort and did bring my account back to a positive status until whatever happened Tuesday night/morning. PNC didn't even give me a minute to bring my account out the negative before charging me with a fee. Calls are recorded so if they need to relisten or anything they can cause everything I'm saying is legit and makes no sense you would want to irritate a customer over {$36.00}. I have friends who bank with other banks and work in banking and they never have to go though this to get a fee waived especially when they have a legitimate reason. | ||||||
| 04/08/2022 | Yes |
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| I bought a home in Alabama in XX/XX/XXXX. Unfortunately, my home is in unclear title. It is now worth around {$300000.00} USD. I bought via a co-listing realtor and the bank I financed my XXXX XXXX home loan was Compass BBVA. The bank loan officer made mistakes and had incorrect legal information on my mortgage, which I was not aware of. The bank loan officer hired a title attorney who also had many mistakes and never provided a valid title insurance policy. He did strange things like he put five different dates on the two page deed, four of them are in tiny size text on the bottom of the two page document which did not have the correct date of the sale closing for the property at all and one date was the day after my closing.. He made a mistake in the legal information for the home, and he never did a title search because the title is unclear going back many years. His office provided a title insurance policy nearly a month after the closing that was never valid or written for the property that I purchased. It had the wrong legal parcel number. He worked for a law firm in GA which was involved in all kinds of fraud and a partner hid about {$40.00} million USD before going to federal jail a few years ago. I suspect he got a XXXX XXXX kind of jail term, and a judge reportedly set up a restitution fund. Other partners and owners of that business have not been charged with anything. Their title insurance company that they had is linked a very large foreign corporation, who I never read was involved in any legal proceedings for their part in the very large corrupt title business venture. The local attorneys involved in my unclear title, including problems with incorrect legal information and an alteration on the prior owners deed in lieu of foreclosure, have said they got rid of their liability, including selling part of the firm business and getting rid of their employee who processed an altered incorrect deed in lieu of foreclosure for the prior homeowners. But I found the attorney who used to work for them who lives in another county, and I do not think they can sell off legal liability for the train wreck their employee caused. It is like she drove their company car with the company and all of them the owner of it, and she crashed it and so they sold the car for junk and got rid of her. They say they got rid of their legal liability. That can not be true. I emailed everyone involved and contacted a prior home owner, because this property has been in unclear title many years. I have found many other properties that are in unclear title in this area, and it is an investor way of doing business in this area. I do not know how far back my unclear title goes. I have heard from most of the people involved in this problem of unclear title on a home that I have had two XXXX XXXX home loans, which closed in unclear title, but the bank who hired the title attorney, BBVA Compass now PNC, and who made mistakes on my legal information on the property has not bothered to contact me at all. If my home loan had not been paid off by the US Government Treasury Department funded Alabama XXXX XXXX XXXX, I would still be making payments to PNC who merged with BBVA Compass Bank. The loan was originally scheduled to be paid off XX/XX/XXXX The bank who sold the home via deed in lieu of foreclosure, XXXX, XXXX and XXXX XXXX XXXX, has a Sr Attorney in GA researching the problem. I told the attorney, that I have done a lot of title searching since I bought my home and they need to be very careful because I do not think there are any honest mortgage banking attorneys in this area. Unclear title properties are common in this area. It is a common way to hide income and assets, and to avoid business property tax rates. I would like PNC to step up and do the right thing. They need to work with XXXX and get my home in clear title. I am a XXXX senior citizen and this should never have happened to me. I have the lien release letter from a Sr VP at BBVA Compass bank which is dated XX/XX/XXXX. They were horribly slow at processing and it hurt my outstanding credit rating. It looks like I contacted PNC with a whole lot of documentation, and along with all the other parties involved in my unclear title purchase, via email at XXXX on XXXX XXXX. They have not bothered to contact me to tell me they will get the problem cleared up and my home put into clear title as of today XX/XX/XXXX. They need to get this problem resolved. | ||||||
| 06/13/2023 | Yes |
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| It started back on XX/XX/XXXX, my husband and I were thinking about getting a XXXX he chose PNC because that is where he would cash his checks on XXXX. One week he decided to talk to one of the managers about the line of credit, he then referred him to the person that is in that department, the individual work from home at the time. So my XXXX gave me the information to reach out to that person, and I did. We talked, and I explained to her what we were looking to do. She took our basic information and send us an email, All the documents that she requires we submitted, then after she gather the document, the next step was the credit reports. She called me and seems to be a bit surprised based on the conversation. She said you guys have great credit, and I replied yes, we managed to pay our bills on time. At that moment, she asked what was my occupation, I told her that I'm not working and is on XXXX and that is my income. Soon after she began to ask me a whole slew of questions. I XXXX my XXXX XXXX mortgage six ( XXXX ) years ago, my XXXX pays her own mortgage and lives at a different address. She began to ask for everything that she could think of that had nothing to do with a XXXX. She even collected my XXXX XXXX bank statement, her mortgage and insurance information, her signature, and even her ID. We received a letter that date XX/XX/XXXX saying we are unable to approve your request on the terms that you requested but can approve a lesser amount. The letter even stated the date on which our credit was pulled by XXXX. After she and I already established that our credits were great, now this went on for over ( 2 ) two months back and forth with everything except my blood type. After a while I got sick and asked my XXXX to communicate with her, I send an email to a guy who was supposed to be her manager. He called me after a few days and said that he will have a talk with her to see if she can remove my XXXX XXXX information and look it over to see what can be done. Nothing different happens, so we continue the process. It was XX/XX/XXXX when they decided that we can close and the account was funded on XX/XX/XXXX. What should have been a simple business transaction turn out to be a nightmare, I was tired, exhausted, and literally very regretful that we enter into this deal. Fast forward to some time in early XXXX we made about ( 4 ) four months ' payments when I notice that the payment amount exceed what I calculated that it should be. One day I stopped by one of the local branches and ask to talk to a manager, the manager was very pleasant and agrees to talk to me, I told them everything that transpired before that day and she asked if she can access my account, I told her to go ahead. She then called her customer service personnel and they recognized what happened. When we were approved the banker lady told us that and have us sign that we get the promotional rate for the first six months at XXXX % and thereafter a lock-in rate at XXXX %. That did not happen, from the get-go we were paying only XXXX % and we never get that promotional rate. They discussed what can be done, and I asked them if I can file a complaint. Upon my behave they both filed a dispute. A few weeks went by and they gave us the XXXX % promotional rate, we paid that for only 2 months, XX/XX/XXXX and for XX/XX/XXXX. Sometime after I was contacted by a young lady about the dispute, we talked and she stated that they would be some type of investigation and she will get back to me. A few weeks go by, then another lady called me telling me that she took over the investigation, and after she reviewed my account I was in the wrong for signing the contract and I am responsible for everything, she was very rude and condescending and that was the end of it. After checking our statement I found out that the XXXX % will be ended in XXXX, and our XX/XX/XXXX, payment will be at a 9.71 % interest rate. On that day when I saw that information I went online to see if that was what was going on, right there I had to lock in a rate of 8.50 % which is lower than the 9.71 % which still ended up costing us another {$100.00}. Since XXXX of XXXX, it cost us over {$300.00} to lock and unlock the loan when it was their fault in the beginning. All we are asking for is for someone to look into this issue, and at least give us credit for those fees and a better rate that is more like the 7.29 % that was locked in at the time or something better. | ||||||
| 09/03/2023 | Yes |
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| XXXX XXXX : This guy stole pics from a real military officer. Even had a fake military ID saying his name is XXXX XXXX XXXX ( I know I kept saying that name sounds weird ). Did a reverse image search after talking for a few weeks and found the real guy. Told the real guy and sent him the page but he says XXXX isnt doing anything to stop this. The scammer is using this email : XXXX - XXXX ; XXXX - XXXX XXXX : XXXX XXXX He didnt take any of my money ( I told him I didnt have much money in the very beginning. I figured if hes a scammer thatll be the end of our communication ). Instead, he had other people ( said his colleagues would send me money on XXXX XXXX and XXXX to help him out while he was XXXX to the XXXX ), then asked me to send him that money to his bitcoin. After a while, he started telling me to keep the money and do something nice for myself ( I was sent {$2800.00} to be exact between XXXX XXXX and XXXX. He bought me a ring and told me to keep ( {$100.00} ) and also keep some for my nails and pedicure ( {$100.00} ). When the money wouldnt stop coming in ( in one day XX/XX/26 I received 8 XXXX payments ). Told him I was uncomfortable accepting so much money and could he tell his colleagues to stop then opted out of XXXX. On the XXXX, I opted back into XXXX. But I received 7 more XXXX payments that day ( some sent payments more than once like a lady named XXXX XXXX sent me two different payments so some of these are from the same people just different transactions ). I told him I asked you to stop so Ill close the account for good now. He said he knew these people, but it was so many of them it just didnt feel right. On the XXXX I received only one XXXX ( {$100.00} ) payment and a request for a refund from someone that sent me {$200.00}. Her name was XXXX XXXX. She was requesting me send her back {$250.00} which was odd because where did the extra {$50.00} come from? I sent back the {$50.00}, and told her to never send money to my XXXX again. She sent me an email stating she was scammed from a XXXX marketplace ad. I asked her how did she get my XXXX? She stated she sent the money for a deposit fee on an apartment. I asked her to send me the ad in which she did. Told her I would send her the money back and to never send money for an apartment shes never seen before. She emailed back just send me back {$100.00} you can keep the rest since you didnt know what was going on. Which I also thought was odd because if I sent money and realized it was a scam, I would want all of my money back. So I sent her back in total {$150.00}. Then I get a XXXX payment for {$100.00} from a man named XXXX XXXX. I tried to send the money back, but had no phone number or email for this man. Then I get an email from this XXXX guy that keeps calling me named XXXX XXXX ( heres his number : XXXX and email : XXXX ) saying he wants me to send it back. I told him I did not receive the XXXX from a XXXX XXXX. He said it shouldve came from XXXX XXXX. Told him that XXXX needs to contact me and I would send it back to the sender, not him ( XXXX ). The police told me not to send him ANYTHING and block him which I did. No one else has asked for it back outside of the XXXX girl which the scammer sent me money from his own bitcoin account to pay back to her. Once I confronted him about finding out the ID was fake and he was a catfish and a scammer. I informed him I would be contacting the police. He blocked me from everything. Im emotionally exhausted over this situation and furious. The fact is he stole someones identity and with over XXXX XXXX followers, hes definitely a veteran at it. I spoke to him on the phone when I first became suspicious because I told him yes I could tell it wasnt him - thinking Id hear an XXXX accent- I would never talk to him again. But his accent wasnt noticeable at all which was also weird he actually had a nice voice. I reported him to the FTC and he blocked me on everything. I have cried a lot these last few days upon learning he was a catfish and a scammer. He is NOT in the military he is NOT XXXX to the XXXX. He is a scammer at the end of the day. The fact is, I dont know who I was talking to these past 3 weeks. I dont know where the money came from if it was stolen money or not Im just not sure. I called the police but no one has reported the money missing or stolen. So Im going to keep following up with the bank and the police on this matter. Ive reported this to the FBI website as well. | ||||||
| 06/16/2017 | Yes |
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| Friday, XX/XX/XXXX Dear Consumer Financial Protection Bureau : I am filing my complaint against PNC for mishandling my dispute. On XX/XX/XXXX I mentioned that there was an authorized {$120.00} XX/XX/XXXX transaction. I called PNC customer service. It said that I should wait for the paper dispute form then submit the documentation. Unbeknownst to me, PNC decided my dispute without the paperwork that I requested. I did not know at the time. On Saturday,XX/XX/XXXX, I went to the PNC bank branch and had my paperwork faxed. On Friday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX that PNC denied my appeal. I called the PNC customer service. I learned that PNC misfiled my dispute ruling on it without my paperwork. On Thursday, XX/XX/XXXX PNC hit me with a {$36.00} overdraft fee. Today, Friday, XX/XX/XXXX, my current checking balance is negative {$61.00}. I have contacted PNC via XXXX. In the direct message, all ^XXXX says that this is going to the escalation team. This person has never addressed or waived my {$36.00} overdraft fee. If I have to wait 1-2 business days ( Monday, XX/XX/XXXX the latest, I will have incurred {$140.00} in overdraft fees [ {$36.00} overdraft daily penalty times 4 days ] ). I have included this correspondence as my evidence. I am filing my complaint because PNC is withholding my money for another 10 business days. I need that money to pay my rent and for groceries. Now because of PNCs mistake, I have to wait up to another 10 business days. I need my money and feel that if any of my transaction bounce, PNC will hit me with a bounced check overdraft which it already has starting Thursday, XX/XX/XXXX. I have done nothing wrong but I feel that I will be penalized. Enclosed are my documents. I have included screen shots because I am too poor from overdraft fees to go to XXXX and scan them into PDFs. I must note this because PNC wants me to refile my dispute but it tangling up my money and, hence, my ability to adequately respond. Below is my Friday, XX/XX/XXXX PNC Direct XXXX Correspondence Dear XXXX : My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. My phone is XXXX. PNC messed up my first dispute claim, did not return my {$120.00} that was taken out of my account, and am now hitting me with {$36.00} overdraft charges. I will file a Consumer Financial Protection Bureau complaint. I will be seeking the removal of the {$61.00} in overdraft fees, the restoration of the {$61.00} that PNC is assessing me in penalties and the return of my {$120.00} because of PNCs dispute error. I contacted PNC XXXX on XX/XX/XXXX regarding {$120.00} that was taken out of my account. I emailed the message center and called the 800-number. The lady told me to wait until I received the formal dispute form to respond. Well, PNC did rule on my dispute without any evidence. I have the letter dated XX/XX/XXXX proving this. I didnt know about the decision so I went to a local branch to submit my dispute form with documentation XX/XX/XXXX. I only learned about my May 23rd letter one week later on Friday, XX/XX/XXXX. I called PNC again and the man said that the bank mishandled my dispute. He sent me out a second form. In the meantime, PNC did not return my money and is currently hitting me with {$36.00} overdraft fees. If that {$120.00} was in the checking account, it would not have been overdraft. This is PNCs fault. Delete this message 34m32 minutes agoSent Thank you XXXX. I was most happy to pass your concerns along to our Escalations department. They will be calling to further assist within 1-2 business days. Thank you. ^XXXX 24m23 minutes ago What about the daily overdraft fees that I am incurring due to PNC 's error? The bank is penalizing me for a mistake that I have not made. 24m22 minutes agoSent I understand the concern with any possible service charge, and our Escalations team will be able to review them with you as well. ^XXXX 21m19 minutes ago So what you are saying is that I have to wait 1-2 business days, incur those {$36.00} overdraft fees in the meantime? I am filing my CFPB complaint because this is ridiculous. By 2 business days, I would have been up {$140.00} ( 4 calendar days at {$36.00} apiece. ). Something needs to be done now. These fees need to be waived now. 17m16 minutes -- -- -- -- -- This is the end of the PNC Direct Message. ^XXXX never responded to my accruing daily overdraft fees. -- -- -- -- - Sincerely, XXXX XXXX Enclosures | ||||||
| 07/12/2022 | Yes |
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| My husband and I have a joint Checking and Savings account with PNC bank for over 2 years. On XX/XX/2022 we obtained 4 {$16000.00} checks from a relative to 4 different family members as a gift, we deposited the checks into our bank account with PNC. The checks bounced due to insufficient funds as an error on our relative 's behalf due to a deposit on his end not yet clearing. The checks were sent back to us from PNC via mail. On XX/XX/2022 we re-deposited the EXACT same checks that we received in the mail now knowing there was sufficient funds. On XX/XX/2022 at XXXX an automated e-mail from PNC alerted us to the fact that there were {$0.00} funds available in our accounts. We immediately called PNC to clarify, they stated they could not tell us why our account was now frozen and we are unable to access any of our funds. We expressed our concerns due to no one making us aware of any issues and that I was paid by my place of employment that morning and have no access to my funds to pay bills. We were instructed to call the fraud department which was closed at that time. XX/XX/2022 My husband took time off from work to arrive to a bank 's physical location and spoke with bank manager at the XXXX location. He was made aware that the checks could not be deposited due to an inaccurate/ missing signature which triggered a fraud investigation. He was informed by PNC the only way to resolve this issue was to receive certified checks from our relative in order to un-freeze our account and that this was the only way to access our money. He was told that our money would remain " on hold '' until we provided the checks and we needed to tell PNC exactly when we would arrived with the checks. XX/XX/2022 My husband took more time off from work to arrive at PNC bank with certified banker 's checks from our relative 's bank ( XXXX XXXX ), all in the same amounts as previous ( 4 checks, {$16000.00} each to all the same family members ). We were informed that PNC needs 1 business day to process a certified check and because it is Friday we will not have access to the entirety of our funds until Monday XX/XX/2022. XX/XX/2022 My husband received a call from PNC and informed they will need an additional day to open our account. We were informed that money can come into our account but no money could come out of our account. My husband expressed many concerns of bouncing checks and late fees that we are now incurring due to the delay. He was told we are not allowed access to any funds until the certified checks are cleared. XX/XX/2022 We were again called by PNC and informed they will now need until this coming Friday XX/XX/2022 due to it being " under review '' to open our accounts and we will have no access to our funds until the " fraud '' investigation is completed. We questioned why the signature was rejected as this is a relative of ours and has been signing checks the same way for 50 years. We informed PNC that our relative 's name is a junior and his father is a senior with identical names and asked if there any way PNC possibly confused the two individual relative 's signatures thereby causing this issue. PNC denied any speculation. We requested to withdraw our funds at this point. We were told we could " only '' access funds in our savings account approximately {$3600.00} and not our checking account where the majority of our funds are placed ( well over {$60000.00} ) even though certified checks were given on XX/XX/2022. We again stated that they only required 1 business day to deposit a certified check and are now stating they need 5 business days to open our account and will only do so on a Friday leaving us powerless to do anything of value if anything goes wrong with the impending weekend. We expressed many concerns about multiple bounced checks at this point, late fees and MOST importantly how this would affect our credit. We were told there is nothing we can do to access the majority of our funds but sit and wait. We requested the entirety of our funds ; however, we are only able to receive approximately {$3600.00} from our savings and are withdrawing it today as this is the only money we will have available for us to pay bills and live off of until the rest of our funds are released. Additionally we will not have access to any money or paychecks that get automatically deposited into the account leaving us in a further difficult situation with bills and automatic payments. | ||||||
| 12/06/2021 | Yes |
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| XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX To Whom It May Concern : I closed my PNC checking account in XXXX of XXXX. Once the IRS began distributing stimulus checks during the pandemic in XXXX, I was informed that they would first attempt to deposit the stimulus payments in the account that was on file based on your XXXX tax return. In my case, this was my PNC account that had been closed. The bank was supposed to reject the check and be sent back to the sender, at which point the IRS would issue paper checks. I never ended up receiving a deposit or check for the 2nd stimulus payment we received ( {$600.00} in total. ) So, when filing my XXXX taxes, there was an option to receive a tax credit if you did not receive the stimulus package, so, I received a {$600.00} tax credit. Now, the IRS started sending me notices stating that I was not able to receive the tax credit because their records show me receiving the {$600.00} stimulus payment. So, this implies that PNC never rejected the deposit which is why a check was never issued to me. Which makes sense, because I ran into the same scenario in XXXX of XXXX where PNC did not return a deposit back to sender which resulted a delay in the receiving of my funds and I am afraid I am in the same situation again. I attempted, multiple times, to contact PNCs customer service line, which is nearly impossible. I was on hold for almost an hour multiple times while not ONCE being able to connect with a customer service representative. I then proceeded to contact a local bank branch of PNC ( XXXX, OH XXXX ) and when I informed them of the situation, I was told that they did not have the capabilities to retrieve that information at a branch level. We then made an appointment for me to sit in while one of the bankers called an internal hotline they had that is not available to anyone other than employees. We then sat on hold for almost an hour and a half when we were finally connected with an associate. Their team was able to see that the {$600.00} stimulus payment was deposited into my closed account on XX/XX/XXXX, BUT, they did not have visibility as to whether or not the deposit was rejected and sent back or not. I was given a phone number to deposit services and was GURANTEED by the associate at my local PNC branch that this department would be able to see if the deposit was indeed rejected or not, and, be able to supply me with documentation stating it was rejected and sent back to sender if need be. I called deposit services on the morning of XX/XX/XXXX and was on hold for a while until I connected with an associate named XXXX. She was extremely rude and I could very well tell she was not interested in helping me in the slightest. XXXX informed me that because my account was no longer open, she is unable to supply me with that information because she has no way of verifying my information. So, I was lied to and deceived by PNC by them pointing me in the direction of deposit services. XXXX then referred me back to a branch to have them further assist me because, apparently, there was nothing else she could do. At this point, I have been thrown in circles by PNC with them refusing to give me any help whatsoever saying whether or not the check was rejected, or if they never did and they will need to send me a paper check. I need resolution in the form of a rejection report stating when the check was sent back to sender, and exactly when it was sent back, or, I need a check issued to me in the amount of {$600.00} because PNC never rejected it back as they should have. I received a notice that the IRS intends to seize my property if I do not pay them back the {$600.00}. I made PNC aware of this multiple times and still have yet to receive any answers. I was misinformed on multiple occasions by PNC bank employees as to how/where to get this information. This is a clear violation of UDAAP, FCRA, Reg E, and Reg CC at a minimum because I am, obviously, and purposefully being deceived so that the bank can keep my funds. I will continue to seek the return of my funds plus any attorney costs that may accrue. Please feel to reach out to me or my attorney XXXX XXXX XXXX at XXXX. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX CC : CFPB- Consumer Financial Protection Board XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio Attorney General State of Pennsylvania Attorney General State of NY Attorney General XXXX XXXX XXXX XXXX | ||||||
| 11/09/2021 | Yes |
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| THIS IS NOT A DUPLICATE COMPLAINT. DON'T CLOSE THIS COMPLAINT AS DUPLICATE. 1 ) I have a Conventional 30 Years Mortgage with XXXX XXXX & PNC Mortgage is Loan Servicer. I had Covid 19 Forbearance Plan, which is going to expire by XX/XX/2021 but PNC Mortgage is provided only 17 Months Forbearance Plan instead of 18 Months. The Loan Servicer, PNC Mortgage before my knowledge informed me that I am qualified only for Loan Deferment. I requested for Loan Modification but PNC Mortgage & XXXX XXXX is not providing me that option. I asked for the Guidelines but was not provided anything. I strongly think that XXXX XXXX & PNC Mortgage is behaving this to me as I am a Minority & Person of XXXX. I received Loan Modification from another Lender but unfortunately XXXX XXXX & PNC Mortgage is not helping me to get a Loan Modification but forcing me for Loan Deferment only. I think that XXXX XXXX & PNC Mortgage is acting this to Minority Borrowers & should be treated as Possible Criminals for Violations of CARES Act knowingly. They are trying to take away People 's House for their Greed & then collect Money from Federal Government for Compensation where they are not working with Borrowers at all. This is a big Possible Criminal Conspiracy to my opinion. 2 ) PNC Mortgage Servicing is not providing 18 Months Forbearance Plan to Minority, People of XXXX, XXXX & XXXX American Borrowers & stating that XXXX XXXX Guidelines don't allow PNC Bank for 18 Months Forbearance Plan but only 17 Months, which is totally wrong. They are doing this knowingly. Even after notifying the Rules, they are harassing & intimidating Borrowers. Please take action against PNC Bank. Very Discriminatory Bank to my personal opinion. 3 ) After filing Complaint to CFPB, PNC Mortgage offered 18 months Forbearance & Loan Modification but doesn't allow me to visit their Branch to pay in person as they provided a Notice to m not to visit their Branches & claimed that I threatened them, which is totally false. I filed a Discrimination Complaint in XX/XX/2021 because I received very Poor & Rude Behavior but instead of taking proper action, PNC Bank closed our Joint Account without any Prior Notifications. Later send a letter stating that I threatened PNC Bank, which is totally false. I requested evidence of threats but PNC Bank failed to provide any evidence. I did notify PNC Bank that I will take Legal Action, which is my Constitution Rights but it's unfortunate that PNC Bank doesn't like to deal with clients who are XXXX XXXX XXXX, Minority, XXXX & XXXX American. XXXX white employee of PNC Bank misbehaved with me but instead of taking action, PNC Bank send me a letter not to visit their Banks & I am unable to pay my Mortgage. I strongly believe that they are doing this because of their Possibly XXXX Behavior. 4 ) PNC Bank sent me a letter stating that if I file 2 Complaints in 6 months period to CFPB, then PNC Bank & PNC Mortgage will charge {$250.00}. This is illegal & XXXX Action by PNC Bank & PNC Mortgage as PNC Bank & PNC Mortgage is trying to silence the voice of Borrowers, so that Borrowers won't file multiple complaints to CFPB & trying to cover-up all wrong doing & illegal actions by all means & trying to treat Borrowers as " Modern Day Slaves ''. Very shameful action. Please find document attached. 5 ) Currently, PNC Bank & PNC Mortgage is not accepting the Property Value as {$250000.00} as ordered by XXXX XXXX XXXX XXXX XXXX XXXX ( PTAAB ), State of Maryland. Submitting the XXXX Order & Appraisal done by XXXX XXXX XXXX XXXX XXXX, State of Maryland. The property value should be the value ordered by XXXX XXXX Appraisal value done by XXXX XXXX XXXX XXXX XXXX, State of Maryland & not charge interest above the Property Value, {$250000.00} as per the Flex Modification Plan until the Loan is Matured or Refinanced or the Property is Sold. Instead of accepting the Property Value as {$250000.00}, PNC Bank & PNC Mortgage is assessing the property value as per Fannie Mae Property Valuation Estimate Report as {$530000.00}, which is insane. This price is double than the Appraised value done by the Department XXXX XXXX XXXX XXXX, XXXX XXXX Maryland & Order issued by XXXX, State of Maryland. PNC Bank & PNC Mortgage is making this decision to collect more interest by illegal, immoral, unethical & possibly corrupt way from millions of Borrowers. It's really shameful action. Please find all documents attached. | ||||||
| 03/11/2021 | Yes |
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Web | Older American, Servicemember |
| PNC after approving a proper loan, then disqualified me by claiming merely I was an employee. I am a fee-based govt official and file a Form XXXX. PNC has that form which has as a header XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Attachment Form ( for use only by XXXX XXXX XXXX, qualified performing artists, fee-basis state or local government officials, and employees with impairment-related work expenses ) The IRS regulations discuss use of this form XXXX XXXX XXXX Purpose of Form Use Form XXXX if you were an XXXX XXXX XXXX, qualified performing artist, fee-basis state or local government official, or employee with impairment-related work expenses. Using a Form applicable to fee-basis state or local government official Does not make me an employee like a conventional bank employee. In fact the IRS explicitly states XXXX XXXX XXXX Fee-Basis Officials A fee-basis public official receives and retains remuneration directly from the public. This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. Again, this work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) And these individuals are NOT employees with respect to this work It appears additionally rather than follow the IRS characterizations the Bank reached out to Federal Officials to influence them rather than apply plain language. The CARES Act defines payroll costs as including bb ) the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment, or similar compensation and that is in an amount that is not more than {$100000.00} in 1 year, as prorated for the covered period ; Listing both wages as income of ... Self-employment Or similar This was approved initially and properly by Mr. XXXX XXXX in XX/XX/2020. Then a person, Ms. XXXX, lacking the knowledge of the IRS regulation then questioned his decision and has enlisted the executive resources of PNC to influence others to convince them the initial decision was defective even though under the IRS characterization of my work as This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. She and PNC now try to say Im an employee in direct contravention of the IRS. And have been trying to convince various regulators using PNC near {$1.00} XXXX economic and political influence to substantiate its position which contradicts its own initial decision and IRS regulations. Small borrowers have priority but apparently small borrowers who do work of a nature Ms. XXXX who is actually a real estate banker and her Executive Office Staff Ms. XXXX with no knowledge of the CARES Act, payroll costs as defined in the Statute, the characterization of this work as self employment by the IRS now have to deal with a behind the scenes influence campaign of PNC with its favored regulator contacts. Because if I am right, and the code is the code, PNC has operated its program defectively from the startincluding discrimination by access and barriers to XXXX borrowers by using at a minimum defective definitions and internal audit, led by Ms. XXXX XXXX, who has done nothing but marshal resources to defend the lack of training this label of employee, and special type of borrower, applying the IRS characterization self-employment. Absent a determination in writing prior to XXXX by PNC as to treatment within its program to alter common IRS characterization, applicable to a borrower, it is my sense PNC rather than just fund the {$20000.00}, it refuses to acknowledge its own program which funded this loan has a defective audit process employing Ms. XXXX, overseen by Ms. XXXX, and a Board which doesnt implement a program that is accessible to XXXX borrowers. To be plain. This is a now secreted program seeking to defend itself reaching out to regulators who told me PNC should know all of this and not have to ask the SBA for instructions on a tiny XXXX loan it approved. But now it is building a case in secret, as it seems the IRS characterization of work should control as affected persons under the CARES Act. PNC also provided no preferential access during the Biden small borrower period to me. And I think still retains the expensive business account requirement to screen out XXXX borrowers. | ||||||
| 06/13/2020 | Yes |
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| Here is what the bank said in an email On XX/XX/XXXX, your account ending in XXXX was overdrawn. Below is some information about your overdraft. To view your Insufficient Funds Notice, which includes additional information about the transactions that led to your overdraft, sign on to XXXX Banking at XXXX and select Documents. Account ending in XXXX The following item ( s ) ( 2 ) were presented for posting on XX/XX/XXXX. PNC covered 1 transaction ( s ) that posted against insufficient funds. Item Amount Action PROVISIONAL CREDIT REVERSAL {$99.00} ITEM PAID - NO CHARGE XXXX VIS XXXX XXXX {$5.00} ITEM PAID - ACCOUNT OVERDRAWN & CHARGE Net fee ( s ) totaling {$36.00} will be charged on XX/XX/XXXX. Please check the current balance of your account. If needed, make a deposit or transfer funds as soon as possible to bring your account above {$0.00} and help avoid any additional fees. To help avoid this in the future, you can register for a PNC Alert to be notified when your account balance goes below an amount you specify. Or, you can sign up for Overdraft Protection to link your checking account to the available funds in another PNC account. Thank you for choosing PNC Bank. Here is what the bank did ... ... .. Here is why they did what they did ( they did ABSOLUTELY Nothing to assist ) Please ask them to provide you with the message I sent them, I am not able to see the message sent to copy for you, I can only show you their response. WHAT OCCURRED THAT CREATED ALL OF THIS. On XX/XX/XXXX in the middle of all this Corona Virus Pandemic XXXX XXXX had a service SHIPT who would gather the grocery list and deliver to your home, this was the only way to insure that you could get toilet paper and paper towels as they would have access to the items as soon as they were delivered. You would not have to wait in line. I signed up for the Monthly fee not the annual fee, when I went to check out they took the whole annual fee ( this was a gliche in the computer ) everyone was trying to scramble to get work from home etc.. not every program worked the way it should. Anyway,,,, I immediately called the bank as soon as they took the annual fee and asked them to stop the payment and reverse it back to my account. The bank said no they could not and would not do that as I authorized it, they said I could request a dispute the next day and they would then reach out to the creditor but that it was to my best interest to call the creditor myself to get the money back. ( ( ( ( The calls are supposed to be recorded but may not have been since people were working from home and not a call center ) ) ) ) They gave me a provisional credit ( nice and appreciated ) however this would not have been necessary if they would have simply stopped the transaction as requested. I called them because both my Husband who banks with XXXX XXXX XXXX and My mom who banks with XXXX XXXX said their banks would stop the transaction. ( ( ( ( ( NOPE not PNC ) ) ) ) They took back the provisional credit since I was refunded the money but as you can see I was refunded the money on XX/XX/XXXX and they did not take the money back until XX/XX/XXXX over a month later. This is very bad practice on this banks part to over draft my account and Then charge me {$36.00} for an overdraft fee and since I do not get paid for another week, it is also their practice to charge you {$5.00} a day for an over drafted account. I am not saying they do not deserve to have the money back it is theirs however they waited till over a month to take it out of my account they could have waited for another week and 2 days. They were supposed to be helping us due to the corona virus situation NOT hurting us. My hours have been reduced and my paychecks are smaller. Cost of food has more than double. Please make them give me back the {$36.00} they are going to take from me. This is unfair and unjust banking practices. 1st they would not stop the payment, 2nd they did nothing to get the money back 3rd they overdrafted my account and NOW want to charge me. Here is the provisional credit they provided. Here is the Communication from Shipt Support where they show they are returning the Money, unfortunately I do not have the ability to show you the being of the reach out, that was actually performed on the XXXX XXXX site where it was explained everything that happened and the request for them to return the money. | ||||||
| 05/12/2020 | Yes |
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| Please be advised on XX/XX/XXXX XXXX XXXX declared a state of emergency on due to the COVID-19 Pandemic. On XX/XX/XXXX, he announced the closing for XXXX XXXX XXXX XXXX, and scheduled a reopening on XX/XX/XXXX. On XX/XX/XXXX the Governor extended my profession ( XXXX XXXX, License # XXXX NC ) closed down to XXXX, and on XX/XX/XXXX it was extended to XX/XX/XXXX. This Pandemic has also turned in to an Economic Crisis. XX/XX/XXXX I reached out to my Mortgage lender for a Loan Modification ( move 3 payments to the back of the loan ) due to the Governors Mandate to close my profession down and to avoid an economic crisis myself. I spoke to three different Representatives in Early Intervention department, each one offered me a forbearance for 3 months with interest accruing, and at the end of the 3 months, repay the 3 months, and in additional to the current month thats due. My response is that is not logic or feasible for me, because if I am not able to pay the three months as they are due, at the end of 3 months, paying four months is impossible, especially due to me not having the privilege to work due to COVID-19 and the Governors mandate for my profession to close down. I went on to say, that would be setting myself up for failure. Each representative stated that they would escalate me to Lost Mitigations where my request is possible after filling out the application for the 3 months mortgages to the end of the loan. This application was never offered and when I stated that I was switched over to the department for this purpose. I talked to 3 different Representatives in Lost Mitigations, the first person I did not get their name, the month of XXXX I spoke with XXXX ( ext XXXX ) and today with XXXX, she stated to me that she didnt know too much about mortgages, she was put there to help out due to the overwhelming need for assistance, therefore ; she was back and forth researching answers to my questions for other Reps., she finally stated that she would escalate my request to Lost Mitigations supervisor ( XXXX XXXX ). The prior two requested that I wait until the next month, because things are being put in place at the present that will allow them to honor my request, and this statement was repeated the following two months. I spoke with XXXX XXXX today as well, whom I was told could grant me my request, per XXXX, and sent me to her voice mail, and I left in information for a return call. XXXX seems to think that paying back three months of back payment accompanied with a fourth payment is a great offer, not considering Ive been out of work 2 months, my XXXX is not guaranteed to open XX/XX/XXXX, and my XXXX may not come back as business as usually, do to todays Crisiss on everyone and personal situation. She and I did agree that Im not eligible to get a lower interest rate, because Im at a 2 % now, so Im requesting what I know will be best for me, 3 months moved to the back of the loan vs. 4 months of mortgages to pay all at once with a no income coming in. I have depleted my savings trying my best to keep my responsibilities to my debtors current. I am in agreement with XXXX, XXXX XXXX, and XXXX XXXX for 3 months no payments as of XX/XX/XXXX, and after the three months pay the owed 3 months and the current months payment, or set up payment arrangements adding a mortgage to the equation will be overwhelming, stressful, and due to fail. I have never been late on my mortgage payments the 14 years of its existence, and the only time I have had a problem paying is the XXXX Recession, which I recovered from after a two year battle with XXXX seeking assistance ( Had to file a complaint ) and now the Pandemic and Economic Crisis. From that experience I am convinced PNC is executing in Unfair Mortgage Price to terms and conditions of my original loan, in a Pandemic and Economic crisis. If I am allowed to open back for business on XX/XX/XXXX, my XXXX is promised to return right away due to people being out of work and some not having a job to go back to. Giving this Loan Modification of 3 months allows me to get grounded, allows me the opportunity to become stable in my finances and accountable and on time with my obligations to creditors. Otherwise, the chances of Foreclosure become more real, I dont want this, and I dont think the bank wants it either. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PNC Bank Loan # XXXX | ||||||
| 11/24/2021 | Yes |
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| On XX/XX/2021 I contacted Pnc bank because I received emails from XXXX stating that I had unusual activity on my account and to change my password. I also notice that XXXX was missing from my bank account. Long story short someone hacked my personal information and used my bank information from XXXX to make a purchase on XXXX XXXX and had that item shipped to Texas. I have all the emails showing this. On Friday when I notice the money missing from my account I immediately contacted Pnc at XXXX am and reported the unauthorized transaction. The pnc represented told me that pnc was legally obligated to let the payment go through and that I will be given a provisional credit while an investigation is done and that I should also contact XXXX and XXXX and let them know what is going on ( which I did notify the other two companies ). I also immedialy removed my bank information form XXXX so that no one else will be able to access my information. The next day on XXXX/XXXX/2021 I noticed that pnc had took 33.00 from my account and charged me for a stop payment fee for the unauthorized transaction. I immediately called pnc and the pnc rep stated that when I called in the XXXX/XXXX/202 to report the unauthorized transaction it should have been put in as dispute and not a stop payment, the 33-dollar fee was refunded to me. Moving forward on Monday I called PNC to see if they needed the emails from XXXX that I received showing that my account was compromised and the rep told me that XXXX XXXX had sent me a refund and that they were aking back the provisional credit and closing my dispute. I looked on my online backing and there was a credit for XXXX. I then proceeded to go on my XXXX account to close my account due to my personal info being compromised and my XXXX account is now in the negative XXXX. I immedially called XXXX and XXXX rep said that pnc withdrew the funds paid to XXXX in the amount of XXXX ( I am assuming it was a stop payment the pnc escalation department never called me back ). XXXX stated that being that they paid XXXX XXXX for the unauthorized transaction and pnc retracted the payment I am responsible for the money that pnc took back. I explained to XXXX that It was an unathorized transaction and I have filed multiple disputes with XXXX as well for the unauthorized transaction each time getting denied. After speaking with XXXX I then called pnc and spoke to a supervisor that informed me that there was not a stop payment made and that XXXX refunded my money. The supervisor stated that the money absolute went to XXXX and to send them a copy of my bank statement showing that the funds was withdrew ( which I did ). I also requested multiple times for the escalation department from pnc to call me which they have not. I then decided to call XXXX XXXX to see if indeed they refunded me the money and the rep from XXXX XXXX stated that they were trying to process a refund, but the transaction was denied ( probably because I removed my bank info from PNC ). I was told that I would receive a call within 24 hours which I have not and have called multiple times and have been getting the run around from XXXX XXXX in regards to a refund. I called pnc on XX/XX/2021 and explained all this to the rep and she basically said that pnc did their job by giving me money back ( stop payment ) and that they can not help with the money they withdrew from XXXX ( that I now owe for unauthorized transaction ). If I am not able to recoup funds from XXXX XXXX I am now responsible to pay XXXX for a transaction that I did not make. ( which XXXX cant get anyone to call me back from this company either. My issue is 1.st the stop payment should not have been made if pnc was legally responsible to pay for the unauthorized transaction. The stop payment has caused a whole another issue. ( now I owe XXXX for a transaction that I did not make ) 2nd PNC closed my dispute stating that XXXX refunded my money but in reality pnc did a stop payment and recouped the funds. 3rd now pnc is claiming that they can not help me with another dispute because they got my money and put it in my account back which makes no sense because If I am not able to recope the funds from XXXX XXXX, I am now responsible to XXXX XXXXXXXX XXXX for a transaction that I did not make. ( because pnc took back from a stop payment. ) XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX | ||||||
| 07/11/2022 | Yes |
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Web | Older American |
| On Thursday, XX/XX/2022, I made a purchase at a local grocery store using my XXXX Debit Card. The charge immediately appeared as a charge /debit to my checking account - as I had expected it would. Because my purchase include many large bulky and heavy items, I requested that these items purchased be delivered after XXXX PM that day. I had a previously commitment and could not be home to receive this delivery myself. I live in XXXX, XXXX XXXX XXXXXXXX, New York apartment alone and the building in which my apartment is located does not have a doorman / concierge to accept deliveries in my absence. Because my commitment took longer than anticipated, I telephoned the grocery store and requested that the delivery b made on Friday- not Thursday. On early Friday, XX/XX/2022, morning I telephoned the grocery store manager and him informed them that I unexpected had to make a number of other purchases later on Thursday and requested that my grocery store purchase be cancelled and a refund / credit in an amount equivalent to my purchase be applied to my checking account. The grocery store manage agreed to do this since all of the items were still in that store in a segregated area where deliveries are held prior to being made. None of my purchased had ever left that grocery store. For the grocery store 's convenience and to ensure accurate credit was made applied to my XXXX Debit Card in turn to my checking account, I returned to that grocery store with my purchase receipt. The grocery store manager was very prompt and cooperative and I received an immediate credit receipt for my previous purchase. But my bank, PNC Bank, did not apply the credit o my checking count despite the electronic credit being authorized by that same grocery store. In fact as of today, Monday, XX/XX/2022, XXXX PM XXXX ET the bank, PNC Bank, still has not issue that credit to my checking account. My checking account balance shows today, Monday, XX/XX/2022, on that PNC Bank online account system as being overdrawn, when the store manager had voided the charge the previous Friday, XX/XX/2022. PNC bank is quite efficient in deducting any purchase amount from my checking account. But But PNC Bank consistently plays the " float '' against me and any store/ vendor for a cancelled item when any purchase is cancelled - even on the same day - and delays recognizing the store / vendor issued credit to my checking account despite being processed through the same electronic banking system through which a charge is immediately debited from my checking account. PNC Bank deliberately delays awarding me the timely credit received from a store / vendor for a cancelled item. Since it is the same electronic system which issues the credit that also can and does so promptly issue a charge when a purchase is made, I think that PNC Bank deliberately is holding the store 's money in its own general PNC Bank Account and playing the " float '' with these funds for its own purposes by delaying issuing the credit more promptly to my checking account. I bought this to the attention of the PNC Bank Consumer Call Center Supervisor later last Friday afternon. I requested that her manager telephone me and explain this delay in PNC Bank issuing the credit to my still-showing overdrawn checking account no later than today, Monday, XX/XX/2022 no later than XXXXXXXX PM XXXX ET. I have not yet received any call from PNC Bank. Again, since the same Federal banking electronic systems are involved when issuing a charge or issuing a credit within a very short interval between purchase and refund by the same store / vendor, I think PNC Bank is deliberately delaying crediting my checking account. No manual processing is involved. PNC Bank 's attitude in not addressing this delay is abusive and hurts my credit rating by reflect an overdraft in my checking account when there never should have been an overdraft to my checking account. Please assist me and force PNC Bank to use the identical amount of electronic processing time to issue a charge as to issuing a refund when the same store is involved and the time between the purchase charge and the purchase credit is less than 18 hours. I have both a copy of my electronic purchase receipt and my electronic refund receipt from this grocery store and can provide them to XXXX should that be needed. Thank you, XXXX XXXX XXXX ( mobile telephone number ) | ||||||
| 10/28/2022 | Yes |
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| I was originally a XXXX mortgage customer of BBVA Compass and my mortgage is recorded in county records. In XXXX, BBVA became PNC bank and my mortgage payments became due to PNC. As a PNC customer, I requested a COVID-19 forbearance that was granted. Under the terms, I could make " no mortgage payment at all, '' even though I had past due balances. In addition, I was not due to make any mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My payments were to resume on XX/XX/XXXX. Before my forbearance ended, PNC sent me a letter stating : " To extend your forbearance, you do not need to take any action. PNC will automatically renew your forbearance ... '' In reliance of this information, I did not plan to resume payments on XX/XX/XXXX. However, to confirm that I was all set for the extension, I called PNC on XX/XX/XXXX. A PNC representative assured me that the extension would be automatic and there was nothing for me to do. Thereafter, I never received an updated forbearance plan letter, and I received my regular mortgage statement. PNC did not automatically extend my COVID-19 forbearance as they had assured me both verbally and in writing. Instead, on XX/XX/XXXX, PNC purported to send me a default letter that included the payments missed on my prior forbearance through XX/XX/XXXX. This default letter was never supposed to be sent and only went out because my forbearance was not extended by PNC, so it looked as if I had reneged on my agreement. I called PNC and they at first tried to refuse the forbearance. When I quoted the letter and had the notes pulled from my prior call, PNC entered the forbearance for XXXX, but this was not AUTOMATIC as PNC has assured me, and the forbearance was not entered until XXXX. The latest forbearance covered XXXX, XXXX, and XXXX, with my payments set to resume on XX/XX/XXXX. Prior to the forbearance ending PNC sent me a letter stating that the balances on prior billing statements and notices may be incorrect. In connection with the forbearance, I was due to be provided options to resolve delinquency. I contacted PNC and inquired about my options. No one could give me information regarding the incorrect balance. I requested a hardship packet and also asked if I could make my regular XXXX payment before the end of the month. The PNC representative stated that I could make the XXXX payment prior to the end of the month, and dispatched a hardship packet that is dated XX/XX/XXXX. I was unaware that instead of assisting me, PNC had accelerated my debt and sent my file directly to foreclosure two days later, on XX/XX/XXXX. The letters referred me to PNC 's attorneys, stated that PNC would not accept any further payments from me, and that my only option was to pay the full forbearance amount before the end of the month, or the accelerated amount would be due.The letters arrived in the mail at the same time as the hardship packet. I immediately looked up my mortgage, which stated that I was due a default letter with 30 days notice to cure. When I called PNC, the foreclosure department stated that my file was not eligible for Loss Mitigation. PNC 's position is that the default letter that I received in XXXX, after PNC reneged on its automatic extension, served as my 30 day notice and because I did not clear the debt by XX/XX/XXXX, WHILE COVERED UNDER THE MOST RECENT FORBEARANCE THAT DID NOT REQUIRE ME TO MAKE ANY MORTGAGE PAYMENTS, I am due for foreclosure. These appear to me to be deceptive practices that have resulted in a wrongful foreclosure attempt. From my end, it appears that PNC failed to timely renew my COVID-19 forbearance on purpose, in order to send the default letter and try to take my home. The default letter was never due to be sent, but even after being sent wrongfully, it was invalidated by the later forbearance terms that did not require me to make any payments mortage payments in XXXX. Now, PNC is relying on that letter to say that I am ineligible for any form of loss mitigation. The most PNC was willing to do was open an internal complaint at my request and have the Escalations department to call me within 3-5 business days. In the meantime, I have an actual, public foreclosure that has been filed wrongfully under my name, despite my best efforts to remain in good standing, and PNC has no sense of urgency toward correcting its own actions and practices. Unbelievable. | ||||||
| 09/19/2022 | Yes |
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Web | Older American |
| XXXX sent to PNC Bank XXXX XXXX. Monday, XX/XX/2022 PNC XXXX XXXX. XXXX XXXX XXXX. XXXX Pa, XXXX To whom it may concern : Re : Credit Card Acct. XXXX ** XXXX has a {$14000.00} line and has a positive balance ( over payment ) of {$250.00} as of today I am a caretaker of my XXXX mother. I have provided your bank with a valid, legal, enforceable power of attorney. This was done after my father XXXX XXXX or so years ago, and I took over care of my mother. Recently, you all have been declining charges hitting my mothers credit card. These charges have been hitting the card for years and include : her utility payments, her cable payments ( which is her window to the world at this point in her life ), her monitored security system ADT ( which has a life alert type of function ). These declines put my mother at risk. Today, I called your Credit Card area to discuss what is happening to the card and why charges are being declined? I was told that at times your company declines charges to make sure they are legitimate and that there is no elderly abuse ( or something of that sort ). I would encourage you to listen to the discussion which I was told is on a recorded line. The discussion is between me, and a manager named XXXX. It should be timestamped at roughly XXXX XXXX EST on this date ( XX/XX/2022 ). Again, the discussion was with a manager named XXXX she would not list her last name nor any other way to identify her. So, lets refer to her a XXXX Manager in the Credit Card Dept. That is all the information I could glean. When I asked why charges are be being turned down, she told me she could not discuss it with me but rather she needed to speak with my mother. I explained I have approved power of attorney, that the transactions in question are not the buying of TVs or trips, or toys, rather they are recurring charges that have been hitting the card for years for fundamental life needs. For electricity, water, security, and even the TV ( cable bill ) which again is moms window to the world. The fact that these are being rejected and thus risks them being disconnected or cancelled puts my mother at peril. In my view these actions are in fact putting my mother at risk. When I asked whether the payments will go through going forward, and again take note of the following : {$14000.00} credit line {$250.00} positive credit balance on the line Charges that have been ongoing for the most part for years ( utilities, ADT, etc. ) A valid power of attorney presented to the bank and accepted by the bank A course of dealing with handling of the account and the recurring payments coming through I was told this we can not tell you or discuss transactions with you, we must speak to your mother. The entire purpose of a valid, legal power of attorney is to take care of my mothers affairs. She is XXXX XXXX XXXX, does not pay a single bill or handle a single financial transaction of any form or kind, nor has she for some time. This is my role as a caregiver, loving son, and someone who plays by the rules and handled everything legally and thoughtfully. I would like a response from your bank, your management, your compliance team, whomever, as to what happened and why (? ) why the charges have been declined. I would like to know how you can not accept the power of attorney for this basic financial discussion and solution that I needed to arrive at today after being told that my mothers cable and ADT is about to be cut off. By the way, my goal was and is to protect my mother make no double about that fact. I view your banks actions as poor service and sloppy on a good day and as border line elderly abuse on a bad day. It is unconscionable in my opinion. I look forward to your prompt response. Know that I will be closing this card account. I am also copying the Consumer Financial Protection Bureau to alert them to situations such as this. While maybe founded in a desire to protect an elder or individuals of any age that are partially incapacitated, I believe it has been become very misguided and certainly does not fall under the heading of thoughtful, rationale, and customer friendly ; quite the opposite. Sincerely, XXXX XXXX XXXX Concerned Consumer and son Retired - XXXX, XXXX Bank, XXXX. Retired - EVP & Chief Banking XXXX, XXXX Bank **Complaint submitted to the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022. | ||||||
| 08/29/2017 | Yes |
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| On X/XX/2017 I was made aware of multiple unauthorized charges on my account by a merchant that has made unauthorized charges to my account before. I immediately disputed the charges with my bank, PNC Bank and contacted the merchant responsible for making the unauthorized charges. PNC disputed the charges and immediately replaced the amount of the disputed charges back into my account. Unbeknownst to me PNC shut down my card for further use. I was made aware of the card issue when I went to go grocery shopping at XXXX. In the parking lot of XXXX, I called PNC customer care and I was told that the representative should have told me that the card was going to be shut down and since the change was made less than an hour ago the current representative was able to re-activate my card and I was able to make a purchase at XXXX. The representative put in an order to send me a new card in the mail within 3-7 days and in the meantime the representative assured me that I would still be able to use my card until the new card arrives. The information I was given was that as soon as the new card arrives I was to cut up the old card and call PNC customer care to activate the new card, and once again the representative assured me that I would be able to use my card until then. On X/XX/2017, which is today, I was assigned a property inspection report to complete which is located in XXXX XXXX in XXXX, Florida. Once I completed the inspection I was on my way home when I decided to stop to make sure I had enough gas just to make it home. I proceeded to try to use my card to purchase a gallon of gas for {$3.00} and my card was declined. I immediately called customer care that notified me that the card was shut down yesterday. I requested to speak to a supervisor and the supervisor explained to me that the card was shut down and since the card is owned by XXXX the only way the card could be re-activated was if the card was shut down and then re-activated within 24 hours of the shut down. I notified the supervisor that was exactly what had occurred, the card was shut down and then re-activated less than an hour later, which is why I was able to make a purchase at XXXX. The supervisor notified me that someone shut the card down again after I used it at XXXX and since it has been 24 hours ( Although it had not been a full 24 hours yet at that moment ) they were unable to re-activate my card, even temporarily, and even if it was only for {$3.00}. So I asked why I was blatantly lied to about me being able to continue to use my card until the new card arrives. The supervisor said she apologize for the misinformation I was given. I was not misinformed, I was lied to. They closed the card without my knowledge, re-activated the card with my knowledge, and then closed the card again without my knowledge again. I was stuck and stranded two counties away and over an hour away from my home and I asked what possible solution could there be. The supervisor notified me she could give me the location of a Branch near me. Unfortunately there was not a branch within 20 miles of my location and I was stuck at the XXXX XXXX gas station believing that I had access to at least {$3.00} from my account balance that has over {$410.00} available for purchases. So not only did PNC lie to me about me having access to use my card until my new card arrives, the lie left me stuck and stranded over an hour away from my home with no possible solutions from the bank other than to make other arrangements or call someone I know that lives nearby. Not only that, but the entire reason I had to dispute the charges is because PNC allowed the same exact merchant that made unauthorized charges to my account before, too continuously make more unauthorized charges although I have already had a conversation with PNC in XX/XX/XXXX to not let this particular merchant make any more additional charges on my account because they are all unauthorized, and PNC still allows the merchant to continuously make multiple unauthorized charges. Luckily for me there was a good Samaritan that gave me the {$3.00} for the gallon of gas I needed to make it home. Please note, if there was not a good Samaritan at the gas station today, I would still be stranded at the XXXX XXXX as PNC offered no logical solutions to a problem caused by the bank 's own " misinformation '' it chooses to give to customers. | ||||||
| 02/11/2021 | Yes |
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| I tried to open a savings account at PNC bank ( pnc.com ) a couple times around XX/XX/2021. I saw some advertising around a bonus offered ( {$200.00} ) for meeting certain requirements upon opening a new account. Each time I tried to complete the application process, I would get a loading screen and then an error that my application can not be completed. I tried again and got the same result. The next day, I received a couple emails that I set up an account which was actually three separate accounts ( 6 total accounts ). I called PNC at XXXX and was able to get a person on the phone after about 18 minutes on hold. After explaining everything that had happened up to that point, they said I couldn't do anything until I received cards in the mail. I told them I wasn't aware I was going to receive cards in the mail since I never could complete registration. They said to just wait and see. I presume PNC recorded this call. On XX/XX/XXXX, XXXX, XXXX, and XXXX, I received emails from PNC, welcoming me to my virtual wallet and reminding me to " cash in on my reward '' by showing the promotion terms. Again, this was before I had any info on my accounts and before PNC would even discuss my accounts or the existence of my accounts. I received two emails on XX/XX/XXXX to 1 ) Tell them about my virtual wallet experience and to " set up your virtual wallet today ''. On XX/XX/XXXX, I received another email to again set up my virtual wallet. On XX/XX/2021, I also received two letters confirming PNC accounts were opened. Each letter showed three accounts ( 6 total accounts ) were opened and displayed the last four digits of each account. On the same day, I received two different envelopes containing PNC debt cards. I know the date in which items arrived because USPS sends me a daily email with scanned images of the letters I will receive each day. I didn't do anything once I received the letters. On XX/XX/2021, I received a letter from PNC stating " multiple virtual wallet accounts were opened in error ''. This was the first time this was acknowledged by PNC, three weeks after my initial call with them. On XX/XX/2021, I received an email stating " Weve been trying to reach you '' and provided a link to schedule a call. I clicked through the link and tried many times to choose the dates/times they showed available to set up a call. Each time, I was met with an error and couldn't book the call. I decided to record my screen and again tried a few times to book a call with no success. I can provide this screen recording, if needed. I knew at this moment, this bank was too error prone to trust with my money and that I wouldn't be setting up or using these accounts. I decided to reply to this email with the following message " You can call me at XXXX and we can discuss the unauthorized multiple accounts ''. I received an automated response : " Thank you for your message. Please know that I would like to assist you with your concern. However, since this is not a secure email channel, I am unable to access your customer file or any personal information in order to properly assist you. Please login to our online banking website with your User ID and PIN / Password where you can access our secured message center. You may also call us at XXXX, or our bank operator at XXXX, and our consultants will be able to assist you over the phone ( XXXX XXXX - XXXX XXXX EST Monday-Friday and XXXX XXXX - XXXX XXXX EST on weekends ). We are sorry for any inconvenience that this causes. '' Obviously, I hadn't set anything up yet to be able to access an online portal and I knew the long wait time I had on my previous call, so I did nothing. On XX/XX/2021, I received another email with the message, " Your Virtual Wallet remains unfunded and may be closed ''. On XX/XX/2021, I finally decided to give PNC another call and used the number from the letter received on XX/XX/2021, XXXX. This time, I was able to get someone within a minute or two. I asked which accounts were active and asked to close out all accounts that were associated with me. I had provided my social security number to the representative on the phone. After some time, she found the accounts and said she could close them all. She also stated I would receive a letter stating the accounts were closed. I have a recording of this call, if needed. This is where we are at the time of this writing. | ||||||
| 05/08/2019 | Yes |
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Web | Older American |
| Invasion of my privacy XXXX XXXX XXXX Received a phone call from XXXX ( refused last name ) claiming to be from PNC Bank Customer Outreach. Phone number from caller id XXXX he began to ask me very personal questions regarding my account. At first I complied and started to get suspicious after he told me he had googled me. He refused his last name and contact info telling me to go to my branch to verify if he was an employee. At which point he began to get nervous and that upset me. I hung up and called back the number from caller id. The same man answered hello and I asked why he didn't id with his name and company if this indeed was PNC. He said he knew it was me. I hung up and called the customer service line at XXXX After being on hold for over 20 minutes I finally spoke with XXXX XXXX ( sp ) who did not know why I was not the full name of the employee I spoke with in customer outreach, and she was not familiar with the department. She opened a case with immediately with the escalation department ref # XXXX. I was put on hold and she was able to verify the employee XXXX by calling the number I provided. She said all employees are required to identify themselves. I also spoke with a supervisor XXXX XXXX ( sp ) He apologized and gave me the corporate office number. By the way ALL CALLS ARE RECORDED AND DOCUMENTED I was told. The number for corporate was not correct and I was given XXXX and spoke with XXXX XXXX, XXXX XXXXXXXX ( sp ) XXXXXXXX XXXX ( sp ). I was driving to Florida from New Jersey from work so I had to have a passenger take notes and the writing is hard to understand. This also kept me from stopping in my regular branch which I would have done when I was home. I was able to verify that XXXX was an employee and NOBODY could understand why he refused a name or employee number. At this point I felt violated, exposed, threatened, and very stressed which I can not have due to poor health. On Monday XX/XX/2019 I received a call from XXXX XXXX who was in customer retail escalation asking me to call her back at XXXX. I immediately called back left a message. When I heard nothing I called back again and the zero option to speak with someone. At this point I was overwhelmed by the experience and asked to speak with someone in the executive officeXXXX XX/XX/2019 I called the executive office and asked to speak with the person handling my situation to get answers and was told she wasn't available. I was then transferred to XXXX XXXX who read all the notes and told me he would need to listen to all the recordings and review my file. His number XXXX. He seemed to be genuinely interested in helping me but could not address my concern as to why employees refuse to identify themselves with both first and last name. Keep in mind EVERY employee I spoke with did so except for XXXX from client outreach. The answer I was given was it was the employees option for security reasons. He said he would do a complete investigation and I requested a call back by close of business that day. He said he wanted to be thorough and would need a few days but told me to call anytime and he would handle the case personally. I waited till the following week XX/XX/2019 and called several times leaving a message twice. I did so again periodically through the week. To no avail I finally called back XXXX today and got voicemail and zeroed out and spoke with a woman who assured me she would send XXXX an email immediately. I really feel that my privacy was violated by a bank that I have been with for over 20 years. Our relationship has been ok, but there have been other issues. I want something done and someone held accountable for this breach. There was a witness to the original call since I was driving and using hands free. I assure you that this was out of the ordinary and possibly illegal. I am looking into that now. I used to work in the Collection Industry for 30+ years in a VP level. NONE of this behavior would have been tolerated in a call center I operated. I have since left that industry and due to health issues I have devoted my life to helping people and working in the non profit sector. I waited until today to reach out for help because I can no longer accept this behavior and am very concerned that PNC bank, an entity that has access to ALL my personal information would be allowed to conduct themselves in this manner. HELP!!! | ||||||
| 09/30/2022 | Yes |
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Web | Older American |
| FHFA OMBUDSMAN COMPLAINT Department Of Housing And Urban Development Office Of Fair Housing Equal Opportunity XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Federal Housing Finance Agency ( FHFA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Federal Deposit Insurance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX RE : PNC XXXX XXXX XXXX XXXX UNDERWRITING Dear Friend : PNC Bank, XXXX Mortgage and other mortgage loan underwriters practice a systematic process of inflicting unnecessary financial hardships of Primary Mortgage Insurance on XXXX XXXX, XXXX XXXX and other borrowers. In underwriting my mortgage XXXX Mortgage failed to present PMI under writing or disclose the 40 % monthly payment economic burden : Here are the three most common options not disclose : Up-front Homeowners can elect to pay the PMI premium up-front as part of the closing costs, and they no longer have to worry about it. Monthly premiums A homeowner can also choose to pay for PMI via monthly premiums. In this case, the premium will be added to their mortgage payment. This is the most common way to pay for PMI. Up-front and monthly premiums The buyer can also choose to pay part of the PMI upfront and then pay the remaining balance as a monthly Again, current mortgage is a prime example. Mr. current monthly Principal and Interest is {$1300.00}. My primary mortgage payment is {$500.00}. Hence, my PMI is approximately 40 % of my monthly housing burden. I require clarification on whether to PMI was underwritten at the of origination by XXXX mortgage or place on the mortgage at the point of servicing transfer. When I approached PNC to remove the PMI I was informed that there was a policy stating that a home buyer must wait for 24 months. This was despite the fact that home valuations had increase and my effective loan to value was 70 %. There have been no late payments. PNC has refused to practice moral corporate governance and responsibility to move the mortgage market into a more market risk based model. MOVING FORWARD PNC as a market leader must continue is innovative leadership and lead the mortgage market with reforms in mortgage risk management. First mortgage banks must design a policy and practice of market based mortgage risk analysis. A mortgage loan shall be adjusted to market LOAN TO VALUE on an involuntary basis. Mortgage loans as all risk to must be marked to market annually. How many mortgage loans are PNCs portfolio aged over 2 years that have LOAN TO VALUE RATIOS BELOW 80 % DUE TO AGING BUT CONTINUE TO PAY PMI>? Access to this embedded capital reward banks and provide stimulation to the economy and consumer welfare of America. In addition, PMI should be removed immediately from mortgage payments when the borrower communicate a lost of income. Most primary mortgage insurance does not cover lost on income. MOVING MORTGAGE FINANCE FROM ASSET BASE FINANCING TO MARKET PRICE CASHFLOW Income is the primary determinate of mortgage default risk. It is important for the borrower to maximize free cash flow in order to execute timely mortgage payments. All credit activity must has transition to a cash flow model of risk management. The mortgage LTV model is outdated. It is asset based or collateral based. This a worse case approach. In fact, during the Great Recessions property valuation declines evidenced the fact that cash flow is more important. The ability to pay and willingness to pay is superior relative the LTV model of property or asset sales in a declining or a stable price market. LTV @ Default=EaDVaD, where VaD is the value of the property at default, the lower the LTV @ Default ( or, equivalently, the higher the ratio of VaD to EaD ), the more likely the occurrences of case The traditional default remedy estimated cost of 20 % are for : EXPECTED MORTGAG DEFAULT LOSS = Reinvestment Interest Lost, Lost Monthly Principal + And Interest ( 4 months foreclosure and resale ) + Legal Foreclosure Cost Resale Cost. None of this cost include 40 % burden of the PMI. PMI XXXX impact on the cashflows to service the loan results in approving an effective +100 % LTV. All of these costs are conditional similar to eventual liquidation market price. I look forward to PNC taking the lead in moving the market to a market mortgage risk model Sincerely, XXXX XXXX, XXXX | ||||||
| 07/27/2022 | Yes |
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| On XX/XX/XXXX I submitted a complaint against PNC BANK with regards to a consumer credit transaction for a XXXX XXXX XXXX. PNC BANK responded, " PNC has reviewed your concerns, including the documentation you provided, and is unable to substantiate your assertions. Pursuant to the Retail Installment Sale Contract ( the Note ), signed by you on XX/XX/XXXX, you agreed to finance {$34000.00} for the purchase of the Vehicle at a fixed interest rate of 8.68 %. The Finance Charge ( {$11000.00} ) is the dollar amount the extension of credit will cost you, resulting in a total sales price of {$46000.00}, which includes your {$2000.00} down payment. You agreed to make 84 monthly payments of {$550.00} beginning on XX/XX/XXXX. A copy of the Note is enclosed A copy of the Note is enclosed for your reference. The GAP policy of {$1000.00}, as shown on the Note, was included in the total sales prices of the Vehicle. On page 4 of the Note, in the section titled No Cooling Off Period, it states that state law does not provide for a cooling off or cancellation period for this sale. The section titled Finance Charge and Payments of the Note provides details on how the finance charge is calculated and how late or early payments will be applied. Please refer to page 3 of the Note. The section titled Insurance you must have on the vehicle states you agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. Please refer to page 3 of the Note. '' The Retail Installment Sales Contract you speak of is in fact a Consumer Credit Transaction. The law protects me the Consumer under the Truth in lending Act. You stated that I agreed to finance {$34000.00} for the purchase of the Vehicle at a fixed interest rate of 8.68 %. The Finance Charge ( {$11000.00} ) is the dollar amount the extension of credit will cost you, resulting in a total sales price of {$46000.00}, which includes your {$2000.00} down payment. According to 15 USC 1605, which I have attached here states and I quote, '' the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. You stated that the Finance Charge was ( {$11000.00} ) according to 15 USC 1605 this should be the total cost of this consumer credit transaction to me the consumer. However, you stated the total sales price was {$46000.00} .You also stated that there was a {$2000.00} down payment. According to 15 USC 1605, it states that the finance charge does not include charges of a type payable in a comparable cash transaction. There are 2 violations here of the same law. You stated that, On page 4 of the Note, in the section titled No Cooling Off Period, it states that state law does not provide for a cooling off or cancellation period for this sale. This is another clear violation. According to 15 USC 1635, which is attached, states, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information. It also goes on to say, " The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section ''. Instead of receiving this information I was deceived to believe that there was " NO COOLING OFF PERIOD '' as you stated. The law offers the solution, I am only requesting that you uphold the law. XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/12/2017 | Yes |
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| I graduated las t XX/XX/XXXX with my XXXX XXXX in XXXX XXXX . Up until that point I could not work while in school since I had to do an internship and needed to put in the hours. I have also been taking care of my XXXX XXXX XXXX mother who was diagnosed with XXXX XXXX XXXX XXXX XX/XX/XXXX . I drive her to appointments, cook, clean, etc ... I live with my parents and my XXXX year old da ughter. I work odd jobs to make ends meet. When my loans came out of their grace periods ( XXXX loans ) I have been in contact with XXXX on a weekly bases to try to figure out what my options are. I feel as if I have been dealing with incompetent individuals every single time I contact XXXX . No one ever knows what is going on or what applications I 'm talking about. I 've been very proactive in this entire process. Anyway, in XX/XX/XXXX I a pplied for a loan modification for repayment and submitted everything I was supposed to. I owe over {$750.00} a month for XXXX loans. I have over XXXX loans ; both private and federal. The federal loans have been dealt with since I am on public assistance and the government is willing to work with me. However , PNC has denied me for everything I have ever applied for when I 've sought help. I do n't know what I 'm going to do when all my loans come out of deferment. So today brings us to XX/XX/XXXX ( over a month and a half since I submitted the loan modification application ) I called XXXX again to find out the status of my loan. Let it be noted that I am the one who is always calling XXXX . They claim to call and mail and email but I only ever receive an email once in awhile about how they 've exhausted all means of trying to contact me. They have no problem harassing my parents on a daily basis tho. Anyway, so when I called today to find out the status of the loan modification application, they told me that PNC said my financial means did not qualify me for the modification. So I asked the agent what was I supposed to do, she told me as a counselor she can only tell me to contact my consigner at this point. So my XXXX mother is supposed to front my bills while she 's out of work on XXXX XXXX XXXX by PNC!? I was told I have no other options. That I 'm XXXX . My parents have XXXX children that are about a year apart and who are all currently dealing with student loans because everyone was in school at the same time. When we applied to school we were told that we had to apply for private loans because " my Dad made too much money '' and we got nothing from FAFSA. In the meantime my parents have exhausted all means in this process. One brother was told by XXXX to not pay his loans while they processed documents and it resulted in his loans going into default. I want to buy a house and do n't want to have to go into default. I have been putting in job applications with schools since I graduated and got my XXXX in XXXX to be a XXXX XXXX . I finally have an opportunity to work with a XXXX XXXX for the upcoming XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) but since I am now XXXX and due in XX/XX/XXXX , it 's a complicated situation. I ca n't get a hourly job since the pay would n't co ver a quarter of my loans. And who wants to work just to pay off their loans? I am trying to save up money to get my own place with my partner, daughter and my baby on the way. I 'm XXXX years old and these loans have put me in a rut for way too long. My back is up against a wall and no one is willing to help me. I 'm not sure what else I 'm supposed to do. It 's beyond stressing and frustrating to try to figure this out alone. I have been paying my loans ( late ) but $ 700+ is a lot to come up with on a monthly basis. However, I wish they had also taken into consideration the fact that I 'm going to be a XXXX XXXX who will make less than 45,000 a ye ar and I 'll be expected to pay back my loans that currently equal over {$210000.00}. I do n't understand why PNC would ever allow this to happen. It 's irresponsible on all parties. I was XXXX when I took out my first loa n and no one told us that this is what we 'd be dealing with 10 years later. I never would have gone to college! I really hope someone can please help me? | ||||||
| 11/13/2019 | Yes |
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| I am filing a complaint because our loan originator dropped the ball and now 3 house deals are going very badly and he won't contact me. I have called his boss and his bosses boss we ( my realtor and I ) have left multiple multiple messages for and no one will call me or her. At this point we are getting our information from the title company ( which is pathetic ). We were supposed to close Friday XX/XX/XXXX but that definitely is not happening per the title company. My realtor put together a timeline and I am pasting it to this complaint, who is with PNC Financial Services by the way. XXXX XXXX - went into contingent contract on house we want to buy XX/XX/XXXX - received offer for our home, confirmed w/lender 3.5 weeks was sufficient time to close due to no inspections on S.C. and appraisal already completed and back XX/XX/XXXX listing agent for S.C. disputed appraised value, decision rendered in 1 day. Buyers and sellers came to agreement to adjust purchase price between XX/XX/XXXX & XX/XX/XXXX. After XXXX XXXX, simply waiting on lender to process loan for clear to close. between XXXX XXXX & XXXX XXXX, spoke to lender a couple of times to update that we were waiting on appraisal for our house, still anticipating closing to be XXXX XXXX ( buyers for our house wanted to try to close XX/XX/XXXX ). XXXX XXXX called lender to advise that our house appraisal is expected within hours and verify that everything is ready to close XXXX XXXX. Lender stuttered and stammered and said I thought we were closing XX/XX/XXXX!!! ( even though he had previously confirmed to another bank employee/friend of sellers that everything was set to close on XXXX XXXX ) Lender advised that he needed an estimated HUD-1 statement from the our house transaction. I had it to him in less than 5 minutes. I called back to confirm that nothing else was needed and he informed me that they had never received the employment verification back from Mrs. XXXX XXXX employer. Request had not been sent until XXXX XXXX and when Mrs. XXXX contacted her HR dept. they had already faxed the request back at XXXX XXXX on XXXX XXXX. I asked numerous times throughout the day for lender to confirm that the VOE had been received by PNC and he couldn't or wouldn't confirm. I asked numerous times throughout the day when the loan was or would be submitted for final review and clear to close and he couldn't or wouldn't answer that question either. All of his answers became vague and non-committal, when just the week before he had been confident and certain there would be no issue closing on time. I contacted lender at approx. 1 hour intervals throughout the rest of the day and he couldn't or wouldn't provide any updates. The underwriters are located in CST and at XXXX I asked the lender to check one more time before he left for the long holiday weekend and I never heard from him, to this date and time XXXX XXXX, XXXX. XX/XX/XXXX Mrs XXXX decided to reach out to lender 's boss and the next higher boss. She left messages asking for contact and information and didn't receive either. Mrs . XXXX asked me to reach out and I also did not receive any contact back after leaving messages for both higher bosses. i was able to connect with someone at the local branch that told me the lender had provided inaccurate information to her about the events to date. I asked her to inform me of when the loan had been submitted to final approval and she stated she would. She spoke to her boss and promised to updated me by XXXX and she never did. Throughout the day I attempted to call all 3 of these people several times, leaving occasional messages and no call was ever returned. XXXX XXXX I attempted to email both higher bosses ( not sure of correct email address ) and asked to have one or the other contact Mrs. XXXX. No one has ever contacted us according to the title company we may get to close next week sometime but there may be no deals on the table at that point. He has totally ruined this home buying/selling experience for 3 people and totally disrupted all 3 families lives and no one can bother to respond??? At this point I need to wait because if i go to a new lender we will have to wait another month and the deals will be off the table then. I am just so amazed that a company can run this way. No on | ||||||
| 03/14/2021 | Yes |
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| I have reported previously the security and fraudulent problem ( see attached PNC document with XXXX XXXX, the branch manager 's name appears on my mortgage document. I reported the problem to XXXX, the customer service hotline, the CIO, and COO as depicted on the institution 's website, to no avail. The security issue is appears to be a huge issue because it appears on my mortgage document as well as more than 200 other customers in the XXXX Ohio area ( XXXX XXXX XXXX of PNC XXXX. XXXX, OH XXXX XX/XX/XXXX To Whom It May Concern : REFERENCE : PPI Violation and SOC Incident : Mortgage Loan : The purpose of this letter is to find a resolution or file charges regarding XXXX XXXX, Branch Manager performing in role as a PNC Mortgage Officer, whose name appears as a co-owner on my mortgage documentation ( See Appendix A ). I am unsure and concerned how a PNC Branch Manager has determined and executed the alteration of my PNC Mortgage contact record and more than 200 other PNC Mortgage customers contact records for the purpose of deceiving another person ; and passing along copies of said documents that are known to be false which is a crime punishable as a felony. SITUATION : During the month of XX/XX/XXXX, I decided to switch mortgage insurance company ( from XXXX to XXXX XXXX XXXX. A XXXX XXXX Account Representative contacted the PNC bank regarding the change in service. On XX/XX/XXXX, I received a PNC letter thanking me for making changes to my account record. ( See Appendix A ) PROBLEM : I called the PNC Customer Services Number ( XXXX ) on two separate occasions endeavoring to speak with XXXX XXXX. The first time, I left a message and she did not return the call. On XX/XX/XXXX, I prepared and sent a letter to PNC Abuse.Com email account and received not reply. ( See Appendix B ) On XX/XX/XXXX, I located XXXX at the XXXX, OH bank branch where she is performing in the role of Branch Manager. I spoke with XXXX assistant, XXXX, who confirmed her role and responsibilities and placed me on hold for 5 minutes. Upon her reappearance on the call, the assistant vehemently voiced to me that XXXX was too busy to talk now ( XXXX ). The assistant proposed I call back at XXXX stating perhaps she will be available. After two unsuccessful attempts to speak directly with XXXX, I contacted Mr. XXXX XXXX via XXXX email to voice my abuse concerns. He replied and stated that he would investigate, to no avail. contacted him one week later and he ignored the XXXX email. On XX/XX/XXXX at approximately XXXX XXXX, I contacted the Customer Services Department ( XXXX ) and spoke with XXXX. I explained that above-mentioned SOC incident. She placed me on hold for approximately 10 minutes indicating she had spoken with her supervisor. She stated that she had been instructed to tell me that they were aware that I had called about the issues in XX/XX/XXXX ( not true ) ; and in XX/XX/XXXX. XXXX stated, It appears that XXXX may have typed her name on the 2nd address line in error. XXXX also stated that they had removed XXXX name and placed a note stating XXXX has no personal relationship with this account. I acknowledged her stated and informed her that there is still PII and SOC issues with XXXX names appearing on other accounts. As a Cybersecurity manger, this appears to be fraudulent activities where XXXX XXXX name appears on my document and more than 200 other PNC accounts. I am concerned about the continuity of this process throughout the lifecycle of diverse mortgage loan files. I am also concern knowing that mortgage loan officers have the capability to look up tax records and to view purchase agreement on purchases. This document will highlight the situation, the problem, and recommended solution. MY ACTIONS : It is not standard banking policies or procedures for any branch manager to have the rights and privileges to edit my PNC contact record without the clients knowledge or authorization, to have her name appear my PNC documents, and to have her name appear on more than 200 PNC Mortgage customers address records. I am forwarding this email to XXXX XXXX CIO of Mortgage Banking at XXXX, the FDIC, Consumer Affairs, and a local television station to address this matter that has been ignored by several managers. Sincerely, Concerned Client of PNC Bank | ||||||
| 01/20/2022 | Yes |
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| I listed merchandise for sale on XXXX XXXX XXXX. It was XXXX XXXX and XXXX products such as a mouse, keyboards, mouse pad, headphones and a monitor for {$700.00}. I received a message on XXXX messenger from XXXX XXXX that he was interested in the products. We conversed and he asked if I would be able to ship it over to him. So i decided that I would. He gave me his address which is XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX. I agreed to front the shipping cost and he said that he would pay me for the products and the shipping cost once the product gets there. Totaling {$1100.00}. HE notified me that the product was delivered and told me that he would pay me via XXXX. I then received an email with a statement from XXXX with Bank XXXX XXXX that I am receiving {$2600.00} but I will have to refund {$1500.00} in return, in order to receive the {$2600.00}. So he provided me with the email XXXX for his XXXX account. I sent him {$1000.00} from my PNC Bank checking account because thats all I had and emailed XXXX ( what i thought was XXXX XXXX and told them that there is a {$1000.00} daily limit for transfers and asked what I could do to cover the rest. They told me to buy a {$500.00} gift cards and send it to XXXX so he can tell XXXX that he received the money. I went to XXXX XXXX and purchased a {$500.00} XXXX XXXX XXXX. After that XXXX told me that the gift cards didnt work. I went back to XXXX XXXX to explain that the card was bad but they assured me that its all good from their end and its probably something on XXXX 's end. So I went back to XXXX XXXX and used my XXXX XXXX Bank credit cards and purchased two {$200.00} and one {$100.00} XXXX gift cards. I sent the pictures of the receipt and the codes over to him. He told me that none of those gift cards are working and sent me a picture of the error code and told me that XXXX XXXX is selling bad cards. So I then went to XXXX and purchased 5 {$100.00} XXXX XXXX cards with my XXXX Credit card and sent him the individual codes with the receipts. He told me that 3 of the 5 worked and to get another {$200.00} worth of gift cards. But then suggested to get 3 in case one didnt work. So I went back to target and purchased another {$100.00} XXXX XXXX XXXX and XXXX {$100.00} XXXXXXXX XXXX Gift cards with my XXXX XXXX Credit card and send him the receipts with the codes. So he told me that only the XXXX XXXX XXXX worked and asked that I would get another {$200.00} just in case one of them didnt work. So I went back to XXXX and bought two {$100.00} XXXX XXXX XXXX XXXX with my XXXX XXXX Credit Card. He notified me that he sent everything to XXXX and waiting for their response. The next day He then told me that XXXX tried sending the money but they are having technical issues with my account so they would need another {$400.00} XXXX XXXX XXXX to be able to complete the transaction. So I went to XXXX and purchased {$100.00} XXXX Gift card with XXXX Bank Credit card and another {$100.00} XXXX Gift Card with XXXX XXXX Credit Card. Send those over to him with the codes. After that they still needed another {$200.00}. So I reached out to my girlfriend asking her if she would help me out. She asked me that I would need to get something in writing that this is legit. So I emailed the XXXX Email that i was in contact with and they told me that if i send another {$200.00} it would be credited back. My girlfriend was not convinced and asked me to call them. So I called XXXX XXXX XXXX which i thought was XXXX and talked to someone and asked them if this transaction was legit and they told me that it was. So my girlfriend gave me her debit card and i went to XXXX XXXX and purchased two {$100.00} XXXX Gift cards and sent those over to XXXX. He told me that everything should be all settled and that i should be hearing from XXXX within 24hrs. Ive never worked with XXXX before so I wasnt sure how their whole proccess worked. I tried contacting XXXX while all of this was happening but I couldnt get through to talk to someone. After he told me to wait that night i messaged him and asked if he has heard anything from XXXX and he said that he has not and that I should received that day. Every since those two message exchanges ive never heard from him and seemed to me that his messenger profile was deactivated. | ||||||
| 03/10/2021 | Yes |
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| I went on XXXX XXXX to purchase a shed on Friday, XX/XX/2021. I found a supposed person selling a shed on XXXX who had pictures of the shed, the location of the shed, the person 's supposed location and picture, the person 's supposed XXXX account and even the name and picture of the trailer court in XXXX, OH that the shed was located at. I then purchased the shed for {$900.00} using my bank 's debit card on XX/XX/2021. The person then sent me many messages on XXXX XXXX describing the loading of the shed, the transportation of the shed and told me many times that they are in the business of selling and transporting sheds and that they have done it many times and it is their main source of work and employment. They said many times that they would use a large truck and trailer to haul the shed to my address, sent me pictures of the large truck and trailer that they would be using and that they would be unloading the shed at my residence and would even be bringing 2 other co-workers to help put the shed in my yard. I checked many times on XXXX XXXX XXXX XXXX, for how the loading and transportation of the shed was going and the person kept telling me that they were working hard to load the shed. I was sent pictures of the supposed shed loaded on the trailer. I was told on XX/XX/2021, that the person and 2 co-workers were leaving the XXXX, OH location and that it would take an hour and 15 minutes for them to arrive at my location. I was told by them that it would take several hours for them to unload the shed, put the shed in my yard and balance the shed in my yard properly. When the person told me they were 30 minutes from my location, they said they would be needing some more products ( XXXX bricks to put the shed on top of to balance it properly in my yard XXXX from XXXX XXXX. They told me they were at XXXX XXXX and that they purchased the XXXX bricks for {$100.00}. I therefore conducted another transaction with the person for {$100.00} to purchase products from XXXX XXXX. The person sent me many messages about this entire process along with pictures of the shed 's loading and transportation. However, the person never showed up and delivered the shed or bricks. I kept messaging them and they said they were being delayed but then the messages stopped and I didn't receive anymore replies from them. I then realized that I have been the victim of a horrible fraudulent transaction that covered the span of 3 days. I then contacted XXXX XXXX and was shocked and disgusted to learn that they had no protection for me for this fraudulent transaction and said they couldn't refund my {$1000.00}. I then contacted the police and filed a lengthy report with them. The police officer mentioned to me that it certainly looked like a horrible fraudulent scam and that in their opinion I should be able to get my money back from the bank for the fraud perpetrated on me. It is a detailed police report and included the entire XXXX XXXX conversation, many pictures I was sent by the scam XXXX and the supposed seller 's XXXX information from their account. I then contacted my bank and requested the bank to put a stop payment order on the pending transaction. I was told by the bank that I couldn't put a stop payment order on the pending transaction and that I needed to file a fraud claim with the bank, which I did. I was told that they thought I would get a refund of my money within 2 weeks. I was therefore shocked and devastated to learn that my bank would not reimburse me any money for the transaction. They said it was a valid transaction and that I had no remedy with them. After the shock of this, I lastly asked the bank to do a chargeback for the 2 transactions, but so far the bank hasn't responded to my chargeback request. I am a hard-working mother of XXXX who is on a fixed, limited income and losing {$1000.00} to a fraudulent con-artist, crook who conned me over a period of 3 days is something I just can't financially afford. I am certain that the bank should acknowledge the 2 transactions as fraudulent activity and reimburse me for the {$1000.00} and was shocked to hear them say they can't help me and reimburse me. Your honorable bureau is therefore my last hope to help me recover my funds from the bank and I therefore beg you for your help!! Please help me!! | ||||||
| 03/10/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX I received a Escrow disclosure statement from PNC Bank suggesting I have an Escrow shortage of {$1300.00}. I usually keep pretty good records of my own on loan/bank stuff therefore I thought something was wrong. I usually pay my mortgage at a PNC branch so on my next visit I asked to speak with someone about the shortage. The mortgage specialist told me he would get an update escrow balance report so he could look into it. Next I received a letter suggesting I could pre-pay more shortage of {$1800.00} or if I did nothing my monthly payment would be raised to settle the shortage. The mortgage specialist did share my escrow balance report and suggest my taxes and insurance has gone up. I replied with yes they have gone up a total together of {$430.00} not {$1800.00}, so what are the additional funds for? He could not answer that question and suggested he would ask for an Escrow analysis to be completed. In the meantime my XX/XX/XXXX payment was due. I told the specialist that I have left over coupons from the old payment book and that I would keep my payment the same as XX/XX/XXXX until we could figure it out the additional funds request. I also created a spreadsheet extending my escrow balance out until XX/XX/XXXX. I revealed a {$130.00} shortfall but not until XX/XX/XXXX. Time had gone by waiting for Escrow analysis so I made my Jan. payment the same as XX/XX/XXXX. The payments I was making were more than {$700.00} over my principal and interest. I assumed that we could square up the escrow balance when it got figured out. I was not trying to default on my mortgage. PNC Mortgage sent me a letter about my short payment. for XX/XX/XXXX, I scanned the letter and sent it to the mortgage specialist, trying to get an update on analysis. Late XX/XX/XXXX I spoke with the Mortgage Specialist who told me he thinks the bank screwed up on the opening balance for escrow when I refinanced at the end of XX/XX/XXXX. I said that's not my fault. He said he would have to look further into it. I made XX/XX/XXXX payment as I had done in XX/XX/XXXX and XX/XX/XXXX In the middle of XX/XX/XXXX I talked to the specialist again who said he couldn't help me any further I had to call customer service at PNC direct. The next day I called and waited on hold for as long as I could ( more than 20 min ). I figured I would try them back again in the next time I got a chance. The following week I had a door hanger on my front door that said I must call PNC immediately. I also received 3 letters in the mail that same day one was a check returning one of my mortgage payments. One of the other letters told me they reported delinquent payments to credit agencies. The immediate phone number was to the collections dept at PNC. Who encouraged me to make a payment. I said for what? She said I was delinquent on Mortgage by 2 months. I learned that since the payments for XX/XX/XXXX and XX/XX/XXXX were not in full they were being returned to me. I said I paid enough to cover my mortgage and that I have an an escrow analysis being performed, I think the escrow increase is incorrect. I told them I was working with a specialist at my bank. She told me the specialist at my bank should not being trying to handle this and that I was mis-represented. Again I was asked to make a payment. I said how could I possibly have the money to make payment when I am waiting for checks to be returned to me. The first check took more than 30 days and at this rate it will take me 60 days to have sufficient funds to make the necessary payments. She told me it wasn't her problem. I asked for a supervisor and got disconnected. I talked to several customer service reps this this call and have never got any real answers other than I have to do whatever it is PNC wants. I had to borrow money to make payments and I owe late fees and service fees in excess of {$200.00}. Lastly I have requested that PNC no longer manage my escrow as it is not required. I submitted in writing this request and after to weeks was told they could not release my escrow because of late payments. I am at a complete loss for words. I have been a good standing customer with PNC since XX/XX/XXXX and can't believe how badly I have been treated. I will NEVER do any banking or borrowing ever again at PNC. | ||||||
| 02/15/2022 | Yes |
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Web | Servicemember |
| My husband took out of a $ 50k second mortgage despite the fact that his credit did not support it, the bank allowed it since it was against our home. We had recently purchased our home and had a $ 300k mortgage and a {$50000.00} personal loan to the seller of the home. ( our home was appraised at {$380000.00} ) Despite my husband having no credit and being late on payments for the first and second mortgage,13 months later he went back to the bank and was allowed an additional $ 100k HELOC to start a business ( he went in and requested another $ 50k- $ 75k-they encouraged him to ask for $ 100k ) At that point we owed more than our home was worth. The interest rate on the second mortgage was 50 % of the total borrowed, he borrowed {$50000.00} and total interest due was more than an additional {$25000.00}. The interest rate on the HELOC fluctuated continuing to increase monthly and it cost him a minimum of {$100.00} in fees each time he withdrew funds. Each amount was calculated at a different adjustable rate that just kept increasing, it was impossible to track. At that time we did not know about opioid addiction and how taking percocet regularly could affect your decision making. Once he no longer took Percocet and reality sunk in we tried calling the bank immediately and explaining... no one would take our calls or call us back. No surprise we wound up in bankruptcy, before the hearing a PNC representative showed us how we basically paid off the first mortgage ( we paid back more than $ 50k if you exclude interest ) so if we signed a reaffirmation agreement on the HELOC they would dissolve the second mortgage leaving us with an affordable payment. We signed the reaffirmation agreement but our attorney ( who has since died of a XXXX XXXX ) filed it one day late, unbeknownst to me, I set up an EFT through PNC paying them the new amount the PNC representative told me the heloc payment was. As time went on I noticed every few months ( not on any routine day of the month ) PNC would debit my account for an additional {$270.00} to get our payment up to what they " now '' said was due monthly. These debits continued randomly... In XXXX I found out I had XXXX XXXX XXXX- this is after having a XXXX XXXX XXXXn XXXX, I received a gloomy prognosis and was set on resolving this so my kids and husband at least had our home. After going over everything with a PNC representative, On XX/XX/XXXX PNC debited our bank account for {$1700.00}. That was all the money we had in the account 7 days before XXXX. As I continued to fight, calling and calling - during XXXX after finding I had equity in my home, PNC stopped my EFT withdrawals and threw me into foreclosure. I tried sending a check and they returned it. PNC decided they wanted my house and made the entire loan due at once. The foreclosure proceedings were dropped prior to covid because they tried filing saying I hadn't been paying my HELOC the proper payment for years, because they misposted the debits from my account. After sending proof and dates it was quiet but now COVID is over and now PNC is foreclosing on me again ... they don't hold my main mortgage and I am up to date on that. Besides predatory lending, the harrassing phone calls at home and work even though the amounts were taken out of my account... this month while searching for a new position I was turned down because our home was in pre-foreclosure. How humiliating ... this is all just so wrong and so unfair. My husband served during XXXX XXXX as a XXXX, I survived XXXX twice but this is pushing me over the edge. To top it off, we found out that during the bankruptcy when the PNC employee, XXXX, said that we would no longer owe the second mortgage we found out that PNC wrote it off and put a lien against our home for it, not before adding back interest, penalties and fees. I was able to show the local branch manager how PNC gives phoney call back numbers. I met with him and replayed two messages to which he dialed and followed up confirming I was correct. He called his supervisor who didn't pick up the phone or return his call that day. ( this is a culture within PNC ). They abused us and caused more emotional trauma and at the end of the day I will have to try to pay them because now they are going to take our home. | ||||||
| 01/25/2023 | Yes |
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| The following has been going on since XXXX. In short, we have been trying to get into my father 's safety deposit box since the passing of my mother, that same year. I have flown in and to Court on a number of occasions in order to get the necessary signatures from the XXXX from XXXX. We have been denied at least 6 times from the legal department although we gave them everything they asked for. Below please find communication that was sent to the CEO of the Company and members of the executive team in XXXX ( names have been modified or deleted per the instruction ( XXXX ). " Good Morning XXXX XXXX ( XXXX PNC Bank ) : I need your assistance. My name is XXXX XXXX, and I am the executor of my father 's will. Our family has banked with PNC ( formally National City Bank ) for over XXXX decades. This case involves PNC Bank at XXXX XXXX ignoring a directive of the court to open my father 's safety deposit box, which has happened on more than XXXX occasion. My father has been deceased for more than 25 years. The attempts first started in XXXX just before my mother passed that same year as we had just learned of the existence of the box. I flew in from XXXX XXXX XXXX and sometimes from abroad to resolve this issue after my XXXX passed. I have been before the XXXX twice and have paid the appropriate fees. I also had a copy of the will that had been filed with the courts. Everytime I would come to PNC bank, there was an issue with the paperwork even though the court assured me that what I had was needed to open the box. After approximately XXXX attempts XXXX XXXX further attempts. I turned the paperwork over to my sister XXXX, XXXX, as she lives in XXXX and was willing to take up the issue. XXXX XXXX went back down to the courts and had the paperwork signed by another XXXX which allegedly gave her permission to have the box opened ( this process started XXXX ). In XXXX of XXXX, my sister was told by a representative of PNC bank that the court order to open my fathers safety deposit box was not valid, due to the paperwork being outdated. The date on the court paperwork on the lower right hand corner was too old and needed to be more recent. She went back to the courthouse to get the paperwork updated and I was told by the XXXX representative that the court order was good, date stamped it, gave her his card and wrote PNC a post-it note to call him if PNC had any questions. The paperwork was then resubmitted and was still denied by the legal division. Both my XXXX and I have asked XXXX XXXX if we could speak to someone in the legal department. We were told that they do not correspond with consumers and they do not take phone calls or emails, and there is no way to contact them. Further, the people who work for PNC bank can not talk to the legal department. XXXX XXXX states his hands are tied and there is nothing else for they can do and can offer no solutions. Given the aforementioned, this puts our family in a quandary. As the executor of my father 's will, I am unable to execute the directive. The court maintains that the paperwork is legal, PNC says it is not. This has been going on for over 7 years. Now we have a situation where there is no resolution as we can not talk to the people who deny the paperwork and advise what is needed to resolve the issue. I have called the customer service and a few other divisions to receive help, but to no avail. XXXX XXXX, the intent of sending this notification is for this to be resolved by someone who has the authority to put this to an end. According to the Court, we have the legal right to have access to my father 's safety deposit box. As the Executor of my father 's estate it is my intent to get this done by whatever measure ( s ) I have at my disposal. It is egregious that PNC has put our family through this for so long, I hope this is not due to any bias or avoidance due to some issue unknown to us. Attached please find the documents from the court. If you or any members of the Executive team have any questions, please advise. Thank you. Since sending the aforementioned correspondence, PNC has been basically non-responsive and has told us to get another form. Even then. they admit, that they can not guarantee that we will be able to get into the safety deposit box. | ||||||
| 12/28/2020 | Yes |
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| PNC bank took 5 months close my loan for refinancing my primary mortgage and the closing was delayed due to PNC 's fault. During the process, they pulled my credit report ( hard enquiry ) for the second time WITHOUT my authorization, they charged me twice for the appraisal and credit report fees despite the delay being their fault and they updated lender info in my home insurance even before underwriting was complete. I was frustrated, stressed and XXXX during this time as I tried to communicate with folks from PNC to fix these issues and nothing happened. When there was absolutely no response to my communication beyond the initial closing date for 2 months, I started applying for refinancing with another bank and on a random day, I get notified that PNC updated the lender information in my home insurance, PNC pulled my credit report and started asking for the new documents again. I realized PNC was trying to prevent me from refinancing with other banks by damaging my credit history, charging me twice for the fees making it harder for me to let go and refinance elsewhere. Here is the detailed timeline - I started the home mortgage refinancing application at PNC bank on XX/XX/2020. The loan officer called me and shared the interest rates for my home details and persuaded me to apply. I have submitted all the documents and it was sent for underwriting by XX/XX/2020. I paid the fees for credit report and appraisal on XX/XX/2020. The closing date was supposed to be XXXX XX/XX/2020. The loan processor was asking hand signed XXXX mailed to them which I had sent on XXXX XX/XX/2020. There was no communication since then. I emailed them on XXXX XX/XX/2020 to check on the updates also requested to see if they can update the rates as it was lower at that time. No response from the loan processor. I emailed them again on XXXX XX/XX/2020 and still no response from any one - loan processor, the loan officer and assistant. And on XX/XX/2020, I received an email from loan officer office to submit more documents like statements and residence history although I have provided already. I responded with the documents and again no communication since then. I kept following up on XX/XX/2020, still no response. On XX/XX/2020, I receive notice from my home insurance company and my then mortgage lender XXXX XXXX that the home insurance lender details have been updated to PNC and since the XXXX XXXX loan was still open, they insisted me to change it back. I was shocked to see PNC bank updating the lender information in my home insurance without closing the loan or even communicating with me about the loan application. So I updated my home insurance back to reflect XXXX XXXX on XX/XX/2020. Since there was no activity in my loan application and no response from PNC, I tried to refinance with other banks and also filed a chargeback with my credit card company for the PNC apprasial charge. On XX/XX/2020, I received an email from PNC asking for latest paystubs, statements etc., again and PNC pulled my credit report ( hard check ) WITHOUT my authorization. I responded to them asking why are they restarting the process all over again and the loan officer calls me in a day apologizing saying there was some issues with the processing/underwriting and they have to do it again. When I asked about the credit check he said it was a routine soft check and it wont affect the credit report. I was frustrated and stressed about this whole refinancing and submitted the documents again and they promised to close the loan soon. When I saw the closing disclosure I was shocked to see I am charged twice for the appraisal fees and the credit report fees as the closing was delayed and application was open for a long time due to PNC 's fault. I kept reaching out to them again and again and they were saying they will fix it but they never fixed it. The loan officer insisted me to sign with notary and close the loan while he checks on these charges. Even after signing and closing the loan, the loan officer just said the fees were adjusted in the closing costs but the credit was only the excess amount from the old loan payoff. This is the worst experience I have ever had with mortgage financing and I feel scammed by this bank with their shady practices! | ||||||
| 09/16/2022 | Yes |
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| My PNC debit card was subject to unauthorized use leading to fraudulent purchases and withdrawals totaling {$2300.00}. ***************************************************************************************************** The physical debit card was with me during all the time when the fraudulent charges happen. The only digital device with the card linked to it was with me the whole time as well ( my XXXX 's XXXX XXXX ). ***************************************************************************************************** The first fraudulent use was a {$100.00} ATM withdrawal posted on XX/XX/XXXX. However, I was unaware of all the fraudulent purchases and ATM withdrawals until a phone call from XXXX ( PNC Bank 's lost card and prevention center ) at XXXX XXXX in the evening of XX/XX/XXXX. Upon notice by the phone call, I immediately contacted the PNC personnel on the other end of the phone call to freeze the debit card ending in # XXXX, but by then all the fraudulent purchases/withdrawals are already posted or pending ( can not be undone ). The fraudulent dispute center was already closed by then ( closing at XXXX XXXX ). ***************************************************************************************************** In the morning of XX/XX/XXXX, I called the PNC PNC Bank Customer Service ( XXXX ) to file disputes for all fraudulent uses already posted by end of XX/XX/XXXX. The personnel connected through phone helped me file 3 separate claims, gave me a {$100.00} provisional credit, and a final refund {$15.00} ( for two small-dollar amount fraudulent use ). Immediately after, I went to the PNC branch in XXXX, CA and met with XXXX XXXX XXXX XXXX XXXX, who confirmed that I need to wait for the pending transactions to be posted before filing dispute ( transactions that eventually posted by end of day on XX/XX/XXXX ). After going to the PNC branch, around XX/XX/XXXX XXXX XXXX XXXX I went to the XXXX XXXX XXXX XXXX ( in XXXX XXXX, CA ) to file a fraud report. Initially I was advised by XXXX to file a report at XXXX 's police deport instead because the first crime ( a {$100.00} ATM withdrawal ) happened at XXXX, CA. However, XXXX XXXX argued that since I lived in XXXX XXXX, XXXX should file the report and ask them for evidence ( e.g. video tapes ) if needed. Hence I met with officer XXXX XXXX ( badge # XXXX ) to open a case ( XXXX ) for these fraudulent charges. ***************************************************************************************************** In the morning of XX/XX/XXXX, I noticed that the pending fraudulent charges were all posted with date XX/XX/XXXX and hence immediately called the PNC Bank Customer Service ( XXXX ) to dispute the amount posted on XX/XX/XXXX and also asked them to link the above XXXX case number for all my claims. ***************************************************************************************************** The date posted and amount of these fraudulent charges are listed below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az | ||||||
| 11/30/2021 | Yes |
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| Basically, the exact same thing detailed in this article : XXXX XXXX XXXX happened to me.. I have a XXXX XXXX mortgage on a $ XXXX house in XXXX When my husband left me with only child support ( XXXX ) I had for XXXX years make the payments ( $ XXXX ) alone. With help and struggle I did, and then the pandemic came. In XXXX I started the COVID forbearance program - however now I am being essentially and indefinitely punished for having done this. They ended the forbearance after 11 months instead of offering me ( thru XXXX XXXX ) another extension ( I could have gone to 18 months and I was able to stay home with my kids as well as pay down debt, and was assured the money would be due at the *end* of the 30 year term, of which I was in year XXXX ). So then charged me a late charge and thats how I found out they had done anything. Then they offered a loan modification, I had no choice but to accept - I have made it very clear that I just want to stay until this spring when my kids graduate school for college and I don't need a $ XXXX XXXX XXXX ft house then. The modifiction lowered the payments only {$400.00} a month, added PMI, *AND* without mentioning it until I saw it in the papers, started me at day of a XXXX year mortgage. Then, I did 3 months of trial payments and about to make the 2nd regular payment, 5 months later. However every month they ding my credit, which has dropped down in to the 500s as a result, and say I owe XXXX XXXX and they will keep doing it until I pay that. They are nearly impossible to reach on the phone and are seemingy uncaring, driven mostly by the need to get me paying money as fast as possible, not by the sensible path. If I am selling no matter what in the spring ( and didn't thsi fall because my kids, and also for once the market is skyrocketing the selling price of my house ). PNC would I think want to help me achieve this and keep the business but I just want to get away from them now since they seemingly lie with impunity and I'm getting XXXX XXXX XXXX every day that any credit slip and I'll end up in foreclosure, unable to sell my house or to do what I *really* need to do- I have at least XXXX XXXX in equity, and just wanted to do a cash-out refi to pay for fixing up the house to sell, as well as XXXX XXXX XXXX XXXX I can't work until I deal with that, but can't deal with it until I have either the equity ( I thought it was *my money* ), a small fraction of the equity, to clear and erase my few debts, XXXX XXXX XXXX XXXX and then finish getting the house ready to sell for as much as possible in the spring All this, panicking that I don't miss the someday crash of these prices going up so much, and held hostage by the " we can't refi you until you have XXXX months of good payments to PNC GOODBYE '' everyone says now, instead of *helping* me. Can anyone make PNC give me access to my own equity and honor their own promise ( exacted many times ) that the year of forbearance would not remain every month getting recorded as a new black mark on my credit. Insult to injury I had identity theft last year through the unemployment, and they used it as an excuse to delay then deny me PUA. I am at the end of my rope, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I just want to take my ONE asset of that equity, clear all the other stupid smaller bills, and sell the house! Why force me to stay and incur further debt and less chance of ever catching up,, PLEASE help me.. I can't get help from PNC. ( There is an almost paid off old 2nd mortgage of about $ XXXX from XXXX as well, I'd pay that. But please find a way? They can't just deny me the money that is equity especially for medical bills and home improvement, to then sell by XX/XX/2022 ( at the latest, I want it ready to go in case the market starts to drop ). Sorry for the length. I put hope in you, it's despairing out there. I will try to attach a recent PNC mortgage statement so you can see the weirdness of what they're doing. But they're destroying my credit beyond reclaiming. ; ( Please, thank you for trying to help me. I have no one else left. XXXX XXXX XXXX ( text ) XXXX ( email, text if you email tho ) | ||||||
| 07/07/2018 | Yes |
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| I had my identity stolen by a former roommate. At the time, I was unaware of her financial issues. At the time she was running the risk of becoming evicted, along with being behind in other bills. My girlfriend came out of town from NY to visit for the weekend and when we returned to the apartment on the morning of XX/XX/XXXX, my wallet had been stolen and she was behaving very manic and irate, with no clear understanding why. I later found out that she was under the influence. My roommate became violent, physically assaulting me and threatening my girlfriend. The police came and had me take a bag and leave for the weekend to allow things to cool down. When we returned, all of my personal belongings had been stolen or damaged. Wallets, money, belongings, internet modems, personal documents, all gone. Social services also became involved. The police did inform me that my roommate 's boyfriend was a known drug dealer and thief and may have played a part in her stealing my information. Since then, I have been working with the detectives of XXXX PD on the investigation. They are now ready to move forward and press charges on my roommate for identity theft. I made several reports to PNC Bank in regards to the identity theft. As of today, XX/XX/XXXX, I had made 4 attempts to have the fees disputed with PNC as of XX/XX/XXXX. The first representative that I spoke to disputed all of the fees and I was provisionally credited for a few, but there were over {$500.00} worth of fees at the time that could not be provisionally credited. After 10 days, I followed up with PNC. On this attempt, I was informed that the first representative had not disputed all of my fees, only a few, leaving over {$600.00} unaccounted for. I again, went through the process and was told to wait 10 days. On my 3rd attempt, I finally reached XXXX XXXX, a manager in the Escalations department. She informed me that between the XXXX fraud and previous incidents ( that I'm just recently through this investigation finding are from XXXX and others ), there is over {$2800.00} worth that has been removed from my account that PNC could not handle in dispute, however, I was never notified. I provided the police report numbers to XXXX ( now for the 3rd time giving it to PNC ) in hopes that this would help speed up the process. XXXX XXXX can not move forward as needed without the letter from PNC refunding the funds, and I did explain this to XXXX. Again, she went through and disputed the fees and informed me that by Friday ( XX/XX/XXXX ), she would be in contact with me in regards to how PNC can resolve this matter. I was told that if PNC is not refunded the money then it can not be resolved, fraudulent or not. She also informed me that maybe I should try to " contact the merchants '', but that it impossible, being that PNC never told me the total amount until now. I made several attempts to follow up with XXXX leading up to Friday and even emailed her documentation from the FTC that goes along with my identity fraud. I still have not received a response from XXXX after a week. I contacted PNC again on Friday ( XX/XX/XXXX ) and spoke to someone in the Escalations department. He informed me that any money that had been provisionally credited, PNC 's investigations shows that it was indeed fraudulent and that the money would not be reversed, but that the {$2800.00} was still up in the air. Today, ( XX/XX/XXXX ), I received an email from PNC stating that I only had {$3.00} remaining in my account. {$150.00} of the provisional credit that I was first given in XXXX that the day prior I was just told would remain had been removed, emptying my account. Again, I had no warning or notification of this. When I called PNC in regards to this, no one could help and the representative refused to allow me to speak to upper management. Each time that I speak with PNC I'm given the run around and no one has direct answers. Every time I'm told that the issue will be resolved, they take more money without explanation. This process is holding up my legal dispute as well as causing hardships on myself and my family. All that I ask is that PNC returns the {$2800.00} in question, in addition to the {$150.00} removed. | ||||||
| 07/20/2021 | Yes |
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| This complaint is in regard to my 6 month series of errors with PNC Bank. I made a deposit into my checking account in XX/XX/XXXX that included three checks and one money order. My accounts are linked so I generally deposit everything electronically. This time I deposited these items using my ATM card. The amount of the checks and the money order were subsequently deducted from my account. The checks were returned to me to be redeposited into my business account because they were written to my business name. I took the returned checks ( certified copies ) to the bank and deposited them into the appropriate account. The money order however was never returned. I notified the bank that the money order was not received and was told that they would resubmit the request through their ATM department. It has been nearly 180 days and I have not received the money order or certified copy. The amount has never been credited back into my account. The bank has acknowledged receipt of the money order and has not been forthright in returning it to me for redeposit into my business account. The matter of returning the money order or a copy has taken me on a frustrating journey into misinformation and mis-alignment within the banks systems, ineffective processes, mis-communication and a failure of oversight. I have contacted the bank and have been told over and over that they would return the certified copy, they have not. Now I have been told that I have to contact the company who issued the money order. Since I no longer have the money order ( it was deposited with the bank ) it is an insult to suggest that I contact a company that I have no relationship with over a document that is being held by the bank that I have had a relationship with for nearly 30 years. The bank is the last holder of the money order. I received the money order as payment for a service. The bank received the money order, processed it and subsequently deducted the amount from my account. The representatives of the bank have been inconsistent in both their promises to rectify the situation as well as their processes for contacting me. Unfortunately I trusted that they would eventually do the right thing by simply sending me a copy of the money order so I did not keep track of the many conversations. I guess I had become so accustomed to their lack of organization that I expected it to be resolved albeit- eventually. I have listed some of the dates that I contacted the bank beginning with the end. XXXX I called the XXXX XXXXXXXX XXXX- Was given this final determination. Contact the issuer of the money order. XXXXXXXX XXXX XXXX XXXX- Advised that she would contact me by XX/XX/XXXX she did not. XXXX XXXX XXXX XXXX Two agents who took the information and promised to contact the branch and work with them to resolve. XXXX XXXX # 2 ( older woman ) Notified me that the case had been closed. She re-opened the complaint, someone had closed it without resolution nor notifying me. XX/XX/XXXX XXXX # 1 Promised to contact the branch and the ATM department XXXX - was given a number that did not work on a letter dated XX/XX/XXXX Visited the branch in XXXX, XXXX, XXXX Spoke with lady who attempted to fix it with the ATM department. She was given the wrong information and wound up wasting an hour of my day while she chased departments on the phone. Was told that they would contact the ATM department Manager ( Young Man ) I will take care of it and get the copy to you tomorrow. I communicated with the bank several times in good faith and did not keep track of dates or times. Was told that they would handle it and get back to me. Several things happened that were irregular. They repeatedly used the wrong telephone number, in spite of me giving them my contact number ad nauseum. This happened over and over. Incidentally, my correct number was used several times to verify my account. The bank has been negligent in its handling of this matter. The money order is for {$180.00} for services provided in XX/XX/XXXX. It is blatantly clear that the bank has the ability to print a certified copy of the money order and to own their mistake, their fumbling of this is unconscionable. | ||||||
| 12/07/2018 | Yes |
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| I opened an account on XX/XX/2018 online and was approved for a Virtual Wallet with Performance Select account to take advantage of the new account online rewards up to {$300.00}. The establish total qualifying deposit of {$5000.00} or more to the new account. Also I would need to make at least 10 purchases with PNC Bank visa Debit card linked to the new account. The new account was funded with {$2000.00} via bank transfer from my XXXX XXXX XXXX XXXX savings account # XXXX. I was unable to deposit the entire amount online per their initial deposit online statement so I was waiting to receive my new banking information to deposit the other {$3000.00}. I had also gone ahead and set up my biweekly payroll direct deposit to ensure that I met the qualifying deposit stipulation of this new account. I printed off the approval email sent to me from the bank and received my ATM card on XX/XX/2018. I called the number on the card to activate which per the recording this was set up without any problems. I followed the prompts to get assistance in setting up my online banking and heard the recording say that I had a XXXX balance in my account. This prompted me to request to speak to customer service to determine why and get further clarification. I was on hold 30 minutes before being able to speak with a live person. I was then transferred to 4 different departments and neither area gave information about why I was being transferred so I had to repeat the same question over and was placed on hold each time. After 45 minutes of this, I had to hang up and return to work figuring I would just follow up once I was off work. When I dialed back to XXXX and attempted to put my ATM card information in to again follow the prompts it did not recognize any of my previous information that I had put in as identifying information. I then proceeded to call the number that was on PNC website and was greeted by XXXX in Retail Escalation group and was told that my account was now closed b y PNC. When asked why, she said that PNC did not have to give me a reason and it was closed with no further notes to advise and I would receive a letter and hung up the phone. I called back and spoke with another person by the name of XXXX who advised me to go to a PNC bank because she couldn't see my online account and would not be able to help me. I advised that I was trying to determine why this account was now closed since I had already had my upcoming payroll information set up for direct deposit and I needed to know what happened so I could fix it. She said there was nothing further she could provide and the bank can approve and then decide to later close your account for no reason at all and not required to provide customer with a reason. I went o my local PNC bank on XXXX XXXX XXXX in XXXX, GA and asked to speak with a personal banker and was told that I could speak with a teller instead. When I asked the young lady to look into my concern, she confirmed the account had been closed at this time and I would receive a letter in the mail but since I was there she could print it off for me as a reference. She also said if I had any further questions I could contact the phone number listed on the letter provided along with the reference number. I called and was told that there was no additional information that they could provide, PNC just decided to close my bank and didn't have to provide me with any reason. The rep also added that any monies owed to me would be sent in a certified check and I was to give the ATM card to the teller at that time. With all this being said, I know that my credit worthiness is not an issue and I've never had any business relationship with PNC that I'm aware of so not sure what may have or may not have happened after I activated by bank card and I wasn't able to get any answers from any PNC associate. Fast forward to XX/XX/2018, My account was closed for no apparent reason but I receive another email from PNC about how to obtain my {$300.00} cash reward for opening a new PNC Virtual Wallet with Performance Select account. ( Please see attachments provided as proof of account information ) | ||||||
| 02/21/2023 | Yes |
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| Firstly, my account has been on Direct Payment AutoDraft using PNC, which is the same company as auto loan. On XX/XX/XXXX I called to get a payoff amount & was also given a 15 day payoff 'till XX/XX/XXXX. On XX/XX/XXXX I called in to submit the payment for the 15 day payoff amount of {$7300.00} & was given a confirmation #. Agent stated up to 10 days after payment processed, a letter of loan satisfaction would be sent. I received a Small Balance Notice that was dated XX/XX/XXXX showing the same amount of {$10.00} for both Principal Bal & Projected Payoff. I then received the loan satisfaction/paid off letter dated XX/XX/XXXX stating in BOLD/CAPS letters " PAID IN FULL ''. It also stated that enclosed was the title, which it was with the lien release date of XX/XX/XXXX. So, after having received these final documents for the loan, we had not heard anything from PNC up until when we received a statement dated XX/XX/XXXX showing Current Due was {$320.00} and Past Due was {$0.00}. I called to see why was I receiving a statement. The agent looked into the account & stated that the account was closed due to what seemed to be a payoff payment that was received in XXXX. She said it does not show any balance. I asked her then why was this statement sent. She said it may just need additional time because that on her end it shows account paid and closed & to not worry about it & If I receive another statement then to call back. So, I spoke to a different agent on XX/XX/XXXX expressing my concerns that I had, after I realized the statement also said " Late Payment, your account has accrued daily interest & may be assessed a late fee. '' She also told me the same thing that the account was paid & closed but couldn't see any additional details because it was closed. She gave me a different # to call where they may further look into why I was sent a statement if account was paid/closed. I called right away. The agent also said account was closed but that there was a past due of XXXX. I asked how and why if account has been paid off according to payoff given and pay off letter showing " Paid in full '' but the agent didn't have any answers for me. Agent said would have someone look into it. On XX/XX/XXXX I spoke to XXXX XXXX. I told him about the conversations I had with other agents and emphasizing that they did show paid off and not to worry about the statements.He stated there was an outstanding balance & that payment didn't go through. I asked him why and he also couldn't give me a reason why. I may be missing some other calls/conversations because as of now, I have 3 different phone numbers and departments we've been transferred or spoken to. So, the main points so far are that I have never missed a payment ( & on autodraft ), I submitted payoff amount, & received the payoff letter and the title with release of lien date XX/XX/XXXX. Therefore, once payment is cleared the company then released title. So, the error was on PNC. Now that the payment has been received again, I am disputing the fact that they reported on all 3 credit reports as account being 60 days late and/or have some type of negative notation & date of delinquency XX/XX/XXXX. As stated, I had not heard anything from PNC until that XXXX statement & their response was to ignore it. I have been calling and calling them to see why and their response has been that they don't show it was reported late. Some of the calls were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. On XX/XX/XXXX agent said she sees the complaint we opened but that XXXX closed it. She said she'd reopen & escalate it. On XX/XX/XXXX agent stated that it was no action nor any notes about reopening or escalating. That I would have to call that department again to request escalation. On XX/XX/XXXX is when heard back from someone in the escalation dept. With both XXXX & XXXX there's been days it's hard to get a hold of them. Seems like they are not putting enough priority. I had stated to them how we have been approved for a mortgage loan and this made my score drop by 40-60 points. In turn, this will greatly/negatively affect the already hard process of buying a home. | ||||||
| 06/26/2023 | Yes |
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| I received a call from a woman named XXXX XXXX ( XXXX ) who claimed to be an XXXX of the XXXX XXXX XXXX on XX/XX/XXXX and she stated that I had some international charges against me. So I had to pay for lawyers fees for international lawyers to fight my case. The name of the law office I was told was XXXX and XXXX, XXXX. They gave me a contract to sign and they gave wire transfer information as to where to send my lawyer fees over a month period of time. The wire transfers were as follows : Attorney Fees and Costs for them to take the case : {$7.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX for them to do research for the case : {$7.00}, XXXX ( XX/XX/XXXX ) Invoice Payment for case Fee # XXXX ( A fine they said I had to pay, a verdict that was given by the XXXX 's Justice System : {$39.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX Added money to the fine I was told I had to pay : {$19.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX Money they said I had to pay in order for them to work with my Bank to get my accounts unfrozen : {$7.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX A closeout fee I was told I had to pay : {$10.00}, XXXX ( XX/XX/XXXX ) I found out it was a scam when I was given a court date to go before the judge on XX/XX/XXXX to sign some paperwork and close my case at the VA XXXX XXXX in XXXX XXXX. The judge that I was assigned was not a judge at that court building and nobody at the court building ever heard of my case or my name. I called XXXX XXXX and emailed the attorneys that I was assigned nobody was getting back to me. So I returned home and I called the XXXX XXXX XXXX and they stated that the person who I was in contact with, XXXX XXXX XXXX, was not an agent with their agency. I immediately told my bank what happened on XX/XX/XXXX, I bank with PNC Bank. They put in a report and explained in detail and showed them documentation of everything that occurred and they said that since I authorized the transfers that my money was not retrievable despite what happened under the circumstances. I was afraid and feared for my life I thought I was really going to face jail time and everything sounded legit. I just want all or some of my money returned to me for the money I was scammed out of was my entire life savings and I am at risk of living paycheck to paycheck and possibly being homeless. This money was left to me by my mother who passed away in XX/XX/XXXX and I was not only scammed financially, but I have had to deal with a lot of emotional distress and my mental health has taken a huge decline with grieving for my mother and fearful of the possibility of being told I would have to face jail time for an international crime. The money that I have left in my bank account has been used to pay for therapists and medicine for my mental illness. This money has sentimental value and I depended on it for survival. My mother was a military veteran ( XXXX of XXXX : XXXX ) who worked so hard to make sure that her children would be secure and financially stable when she was gone and now I am facing a major financial crisis that can cause me to lose everything. Also, my PNC checking account was frozen for about XXXX weeks after I was told my charges and I was not notified of the freeze and even after my accounts were unfrozen I was not told who instructed my accounts to be frozen. I just want to show how extensive this scam has affected me and how in depth it has attacked me. The documents I will be attaching will have everything that I stated above. Also, the documentation will include dates. I also saved a voicemail on my phone of the scammer who called me, XXXX XXXX XXXX XXXX XXXX ) and who I was talking to during the duration of this tragedy. Also, the bank instructed me XX/XX/XXXX to open a new account so the account that was involved with the scam is now closed to ensure the scammers do not have my account information but I do still currently have an account with them and would like any help that this complaint could do to help me get my money back or show PNC that I am the victim and have been suffering financially, emotionally and physically from this incident. | ||||||
| 03/05/2022 | Yes |
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| On XX/XX/XXXX, a transfer was initiated from myself to my husband for our aniversary via XXXX of over {$700.00}. That same day, my husband notified me that our PNC account was overdrawn. The money from the 3rd party was sent to an old account by mistake. I called customer service, same day, to request the funds be transferred from our old, 'closed ' account to our current account. I was then told I needed to speak to the acceptance department and they'd be able to make the transfer. Upon speaking with acceptance, they advised me to go into my local branch and request a bank manager to contact the XXXX department and they'd be able to make the transfer. My husband went into the branch on XX/XX/XXXX to speak to a manager, as directed. Upon entry, he went to a teller to inform them he needed to speak with a manager. While at desk, he noticed the teller typing an extremely long message, without asking for identification. He overheard the manager state she didnt have time she was late for her vacation, while speaking to someone else that came in after my husband. After about 30 minutes of waiting, another rep approached in the lobby and asked to assist. He began explaining the situation and she became hostile and argumentative, advising she doesn't make mistakes and it is our fault. She never attempted to look into the accounts. She demanded my husband leave the bank because they were unable to assist. All of this in the lobby in front of everyone. Nor did we contact XXXX as advised the day before. He is distraught as we've been banking with PNC for over 3 years and to be profiled, discriminated against and disrespected in the middle of the lobby in front of our daughter is beyond wrong. On XX/XX/XXXX, I called PNC bank again to inquire about the funds. I was told at that time the funds were rejected on XX/XX/XXXX and I should receive back in the XXXX by XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, I contacted PNC bank to advise XXXX has no record of the funds being returned. I spoke with acceptance department, they stated I needed to speak with customer service, which they transferred me to. Upon explaining the situation to customer service, they stated I needed to speak with acceptance, which I was transferred back to. I explained a third time the issue and asked the rep in acceptance if she could stay on the line with me to help get the issue resolved, she instead transferred me to another department, failing to tell me to whom I was being transferred to. The last rep I spoke to was the most helpful as she atleast attempted to fix the issue. However, she stated pnc did not have the money and it was sent to XXXX. XXXX confirmed they did not have the funds and any returns to them are made available immediately. I was on the phone with PNC for over 2 hours to no avail. On XX/XX/XXXX, my husband left work and went into the branch to dig in more. This visit is recorded. He was again met with profiling while explaining the situation in a calm manner, was told to calm down. In the video it is obvious he is nervous as he is constantly shaking and can not sit still. For us, unfortunately, when one race tells another to calm down, and there's no hostility, it's usually met with more fearful, discriminatory actions. She proceeded to say we should have asked the bank to transfer funds when the error initially occurred, which we did several times. She also states in the video that the account and debit cards attached to the old account should not have been active as we requested them to be closed in XX/XX/XXXX due to a scam through PNC. I was told that someone would be contacting me to discuss this matter. I have yet to speak with anyone. The money was finally transferred to the current account. However, this has gone far beyond the back and forth between departments. We feel the bank has failed us in all aspects. To be customers and be treated as if we or our business does not matter shows horrible customer service and lack of appreciation for business. My husband was belittled in front of the entire bank and our daughter! Humiliating! We are in the process of seeking legal counsel. | ||||||
| 06/04/2018 | Yes |
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| I am over a 30yr customer of PNC Bank. I originally opened a PNC bank account in approx XXXX on XXXX XXXX in XXXX and have maintained several savings and checking accounts and loans with PNC since then. The week of XX/XX/XXXX, I went into my PNC branch in XXXX XXXX and requested to speak with someone regarding a short term bridge loan of sort. Since, I have a home closing scheduled in XXXX that will provide me with over {$900000.00} in liquidity in late XXXX. This because I had a chance to purchase and take possession immediately of two XXXX outboard engines that are on back orders for over 9 months. Rather than sell stock ( pay capital gains etc. ), I asked about this financing from PNC. I was told ( errantly ) that I could take out a PNC Visa card with a line of credit of {$12000.00} that would be tied to my PNC checking account as overdraft protection. That was perfect since I had {$26000.00} in my account and needed to write a {$30000.00} check for the engines. So I filled out the paperwork for the XXXX with the rep at the bank and was told I was approved. I waited a week until I had to write this check and went out of my way to stop into the bank to make sure the account was set up correctly. I informed them I was writing the {$30000.00} check. They reviewed my account on the computer and said all is good and that this check would clear. I presented the check to XXXX XXXX XXXX and was shock to get a call on XX/XX/XXXX that it bounced. I went back to the branch and they said it was because I hadn't used the new PNC Visa card. The person I wrote the check to was very upset that he bouncing checks cause of my check not clearing. So I took the time and expense to wire him {$20000.00} from my PNC account on XX/XX/XXXX. So I used the card several times that morning and drove 30 miles each way to XXXX XXXX XXXX to give him a new check for the remaining {$10000.00} that the bank again had assured me would clear. On XX/XX/XXXX this check bounced again and the dealer was close to breaking the sale of the engines which would have resulted in me waiting nine months for engines. So I again went back to the branch and 2 reps and the manager didn't understand what was going on and that the check should have been honored. The said write another this time it would work. Instead I asked them to call their PNC credit card service which advised the bank personal and me that the card had a credit limit of {$12000.00} but just {$1000.00} for an overdraft benefit. This left me scrambling to pay this balance so XXXX XXXX XXXX agreed to take the visa card if I paid the {$400.00} bank fee which I did. So in conclusion, several different bank representatives and the branch manager didn't know their product. Most likely pitched it for a commission but worst caused me nearly a week of anxiety, extreme embarrassment literally 12 hours of my time and a slew of FEES. When I requested that they credit my account the very fees their bank charged me from their misinformation and advise they said they could not. To settle this matter, I would respectfully request that my account is recredited the {$72.00} in two returned item fees, {$12.00} return of deposit fee, the wiring of funds fee and the PNC Visa fee of {$400.00} I was charged on the PNC Visa at XXXX on XX/XX/XXXX reaccredited to my account. I also would like the New credit card cancelled and any fees associated with the opening of that card recredited. It would be a nice gesture for the bank to credit me something for the time, embarrassment and travel costs of driving over 120 miles trying to straighten out the mess that they caused and perpetuated from their lack of knowledge in their own products which they advise and sold to me for a profit to themselves and the bank. Lastly, I would like to acknowledge that none of the conduct of the employees of the bank had the intent to defraud or deceive and they were very helpful. They were just lacking the proper training on the financial products they were being asked to recommend. Thank You, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Checking account # XXXX | ||||||
| 05/31/2017 | Yes |
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| Good morning. My complaint is in regards to PNC Mortgage and their customer service with the way they handle their loss claims. Our house was hit by a tornado on XX/XX/XXXX . Our insurance company has issued multiple checks to myself and PNC Mortgage to repair the damages to our house. PNC Mortgage is holding all of the money in our escrow account. It is XX/XX/XXXX and we still have n't received any money to pay for the repairs. The issues started with the wait times for phone calls to get ahold of somebody in their loss claims department. They have varied anywhere fro m 10 minutes to 1 hour and 40 minute s, which we finally had to hang up without talking to anybody because we ca n't be away from our jobs that long. They are understaffed in this department. I 've asked before how many people work in the department and I 'm just told not many. For a department that frequently deals with customers that have gone through a natural disaster, they 're not very friendly or compassionate either. The next issue is their lack of replies to emails. We have had to provide multiple documents to PNC Mortgage in regards to our contractors. ( I 've talked with other neighbors and they do n't have to do this with their lenders. We feel like we have to jump through hoops to get the money that has already been sent by the insurance company to fix the house that we live in. ) I have sent multiple emails and asked for them to reply that they 've received them. If I do n't receive a reply, I wait a week and then forward the email to them again. They sent me an email on XX/XX/XXXX stating that they needed more paper work from one of our contractors. I sent them a new email on XX/XX/XXXX with the requested information along with more information. I never heard a reply. I forwarded it again on XX/XX/XXXX along with another email that included more invoices to try and get reimbursed, but still no reply. I called PNC Mortgage today, XX/XX/XXXX . After being on hold for 18 minutes, somebody answered. I was told they did n't have the emails that I sent in my file. I told them the dates that I sent them. Then they asked me to provide the specific time that I sent them. I went through my emails again to give them the specific times that I sent them. They put me on hold and had a processor go look in their system for the emails. The emails were found and I was told that they would be sent to someone to review. I asked for the situation to be expedited since they 've had the emails for ove r 2 we eks and I 've been going on almost 3 months without receiving any money to do my repairs to my house. I asked for the check to be wrote and sent today. They said that they ca n't do it that quick. It would take up to 3 days for them to get a check wrote and put in the mail. I told them it was n't even XXXX XXXX XXXX XXXX ( my time, but probably XXXX XXXX their time ) and that I wanted a supervisor to get on the situation asap and get a check wrote and sent out to me today since they have caused a long enough delay. My wife and I both work in the real estate industry and deal with lenders on a daily basis. We have talked with customers, neighbors and our insurance agent, and have only heard of one other person that has had this many issues with getting the insurance money from their lender to make repairs to their house. That other person 's lender happened to be PNC Mortgage as well. The above examples are only a portion of what we 've gone through with PNC Mortgage. It 's bad enough that we 're having to deal with a natural disaster, but when your lender makes it this difficult to get the money that has already be allocated by the insurance company to get the repairs done in a timely manner, it just makes it that much worse. The other bad thing is, as a customer, we did n't even choose PNC Mortgage to be our lender. Our loan was sold to them and now we 're forced to deal with them unless we refinance. We feel like PNC Mortgage 's processes of handling loss claims should be looked into and be made more customer friendly. Thanks. | ||||||
| 08/03/2022 | Yes |
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| I signed up for an account with the company Simple, I think they were originally backed by XXXX. Then they were backed by BBVA. Then BBVA took them over and my account was transitioned to BBVA. I tried to close the account around this time, but the process had already started, so they did not allow me to close the account at that time. ( I have a welcome to BBVA email from XX/XX/XXXX ). As soon as I was able, I withdrew most of my money and switched over any automatic bills I could find. Then BBVA was acquired by PNC. They transitioned my account and sent a new debit card, and gave me a new account number. Seeing that the account number no longer matched the old account number, I figured they would just take the ~ {$40.00} in my account through their absurd monthly fees and close the account, since I did not use it once. Instead, there was one automatic payment that went through this account, despite being set up for a different account number. Since PNC had been charging their fees, the account was short for that payment. Instead of stopping the payment, PNC let it go through and charged me a {$25.00} overdraft fee. PNC sent me a " Low Cash Mode '' email alert on XX/XX/XXXX, saying my available balance was - {$22.00}. They had never sent me this type of email since my account was created ( again, without my express written permission ), despite it never having a balance of over {$50.00} ( the indicated " Low Cash Mode '' threshold ). Since I had never accessed this account before, I did not know the current balance before this email. Wanting to resolve ASAP, I first tried to verify the payment that triggered the overdraft. While investigating with that other company, I had them link accounts, which involved making small deposits and withdrawing those small deposits ( less than {$1.00} ). Once this process started, I was hit with another {$25.00} overdraft fee. Then I tried to sign into the PNC online account ( which I had never done previously ). After some trouble, I was able to do this, and I tried to deposit money to bring my account positive, so I could close it. The only option they gave me was to link another bank account, which again involved making small deposits and withdrawals to verify. While I waited for my accounts to be linked so I could deposit money, I called the bank multiple times. They would not process my request to close my account ( because it was negative ), and refused to allow me to talk to anyone about the reversal of fees until the account was positive. I asked what the fastest way to deposit money is, and they said I could deposit it at a bank or ATM that allows deposits. There are no ATMs for depositing or PNC bank branches within 25 miles of me. Again, I never wanted a bank account with PNC. After 3 days ( initiated XX/XX/XXXX, enabled XX/XX/XXXX ), I was able to deposit money into the account. I had requested the account be closed once the balance was positive, but they said I had to call again for this to happen. Before I was able to call, they charged another monthly fee bringing the account balance negative again. Thankfully, they were able to reverse that charge and close my account, today XX/XX/XXXX. They did not, however, reverse any other charge, despite one customer service rep saying they could discuss this once the account was positive. Overall, for an account that I did not do anything with ( I imagine they used and " opt-out '' policy for transitioned accounts, but did not give me an easy way to indicate that I wanted to opt-out ), and never had more than a {$37.00} balance, PNC charged me {$28.00} in monthly fees ( they refunded {$7.00} ), and {$50.00} in overdraft fees. It took me 10 days to get money into that account, for the sole purpose of closing the account. I feel cheated out of money, I feel distrustful of PNC 's motives, and I've wasted hours dealing with this company that I did not ask to do business with. They told me it was " my responsibility '' to close the account, but I see no responsibility or consequences for the bank, whose purpose should be to hold onto my money. | ||||||
| 08/25/2021 | Yes |
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| This personal loan was originally opened through Simple in XX/XX/XXXX with a balance of {$19000.00}. Simple transitioned to part of BBVA on XX/XX/XXXX. Since XX/XX/XXXX, it has been impossible to obtain a statement from BBVA for the loan account. Because of this, I have had to rely on BBVA 's mobile banking website. The website is extremely underwhelming, and makes it literally impossible to ascertain the cause of all credits and charges against the loan. 1 ) There is a list of transactions for the account, but every entry is either a Regular Payment, Payment Reversal, or Curtailment. a. None of the various entries stated above indicate what they are linked to. If I submit a payment that is over the regular amount, I'd expect to see a curtailment, but that is not the case. The curtailments don't indicate which payment they stem from and are all in rounded whole numbers ( ie : {$22.00}, {$60.00} ), which is suspicious. Likewise with the Payment Reversal entries. There is no link between all the entries and it's impossible to piece together the true history of the account. 2 ) There is no information as to where any payment is coming from ( whether an external transfer or an internal transfer ), if it was a successful payment, or if it's attributed to autopay. 3 ) There is no indication that autopay even exists as a feature for this account. I only found out about its presence because of an overdraft notice due to the ongoing autopay. a. Autopay has been set up on this account since the transition from Simple, which is something I was not aware of. I do not use the BBVA checking account setup with autopay and it has had a negligible balance that would not cover the loan payment since XX/XX/XXXX, yet the autopay payments were being applied and then reversed, over and over again, with no notification to me until XXXX. Why they applied autopay, but then didn't assess a fee for 3 months is very inconsistent. b. The Regular Payment entries don't reflect that they were not applied or that they stem from autopay, adding to the ongoing confusion. c. Instead, there are entries listed as " Payment Reversal, '' but they don't match up with the payments that were not applied! 4 ) Drilling down into a payment shows the amount of the payment that was used for interest and the amount for principal a. This is inconsistent. Some payments show the split between the interest and principal and others just show nothing! This was never a problem when the loan was serviced by Simple and as such, all of my payments were on time, since Simple provided an easy to understand statement. Since BBVA has taken over this account, it has been nothing but trouble just trying to give them my money for repayment. This has resulted in fees assessed to the loan account, as well as fees assessed to the BBVA checking account. From my point of view, BBVA intentionally obfuscates the truth of the account and the associated charges on their website. My request for forensic analysis of the account to make sure it is still inline with the amortization schedule has gone unheeded, and the useless information from the website is all I have to go on. This has resulted in me working with an accountant to piece together all charges and payments since XX/XX/XXXX, which BBVA should be willing to furnish, but has not. Here is the crux of my complaint : As of XX/XX/XXXX, the original amortization schedule shows that my latest payment for XXXX of XXXX should result in a total minimum payment amount of ~ {$5400.00}, with a balance of ~ {$16000.00}. As of writing this, my payments since the loan origination have totaled {$7400.00}, and the balance reported by BBVA is {$16000.00}. This makes no sense. I have paid {$51.00} in fees in the last month due to the useless website and misleading practices. I sent a letter requesting statements on XX/XX/XXXX, but have not yet received a response. I called on XX/XX/XXXX to follow up, as well as to discuss the fees and closing the account. I discovered that autopay was enabled on the account, and that the fees couldn't be refunded. | ||||||
| 04/07/2023 | Yes |
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Web | Servicemember |
| The complaint I have is for both my Equity loan account and my checking account with PNC bank. I enrolled into a fixed equity loan with PNC bank back in XX/XX/XXXX. I was also enrolled into a checking account to be able to transfer funds to pay my equity loan monthly. Since opening both accounts, PNC bank have changed there banking policies and practices. This was just brought to my attention by an employee stating they made changes in XXXX. I was not aware of these changes, which resulted in excessive fees being added to both of my accounts without my consent or knowledge for several years. I reached out to PNC Bank regarding my home equity loan and the statement showing a different balance from my online banking screen. I initially enrolled into automatic debit from my checking account, to have payments withdrawn from my checking account to pay my equity loan, but PNC bank terminated that process too without notifying me of such actions. I was unaware of the changes made by this financial institution, resulting in late payments to my equity loan account for several months. I was not aware until I received a call from a PNC bank representative, which was upsetting because the money was sitting in my checking account all along awaiting transfer which did not occur. I was furious, because this was the first time derogatory negative credit reporting had occurred to my credit report, which impacted my credit significantly. It has just been brought to my attention that PNC bank have been charging me a $ XXXX monthly fee for having less than {$5000.00} in the very checking account they opening to transfer funds to make my monthly equity account. There was no fees discussed or charged to this particular account when established. If changes and fees were going to be accessed, I should have been contacted/notified or the account should have been changed to a none fee account. I have had other accounts requiring much less money to maintain the account open, which gave me the opportunity to leave open or result in closure. PNC bank was well aware this account never had a {$5000.00} balance because it was established as an equity account and a checking account to deposit money into the equity account. I never used this account for anything other than the transfer of funds to make monthly equity loan payment, which is why it was established. I do not have a PNC bank locally, so I was advised by the banker that this was the best way to make monthly payments on my equity loan. Instead of changing the checking account to a more affordable checking account, PNC bank chose to charge me fees monthly knowing this checking account only had the money deposited into my account to meet my monthly equity loan payment. Again, the sole purpose of this account being established was to be able to transfer funds to make monthly equity loan payments. I was unaware PNC bank, made changes to charge my checking account for not meeting the limit requirements of {$5000.00}. When the account was established with PNC bank I did not incur such fees to my account. I have asked PNC to reimburse me the fees they have charged to my account and change my account to another account, but neither on has been done. I also addressed the charges I have been subjected to on my monthly equity loan statement. I have been paying my loan regularly within the guidelines to avoid late fees, but I am still subject to monthly late fees although my payment has not been late. My concerns have not been addressed and no one can explain why I have late fees on my monthly statement. I am in the process of refinancing my loan with another bank, but I can not explain why PNC has charged me fees on my statement which has never showed up when I pay my monthly equity loan. This is awful, and detrimental because it prevents me from receiving services elsewhere. PNC bank actions and information is false, malicious, and intentional which results in direct harm to my financial ability and worthiness. I have statements and documentation, showing account deposits and payments posting to accounts. | ||||||
| 11/10/2023 | Yes |
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Web | Older American |
| Loan transferred from XXXX XXXXXXXX XXXX ( XXXX ) to PNC Bank effective XX/XX/23. Received letter in the mail from XXXX on XX/XX/23 of notice to transfer and that payments are due XX/XX/23 to PNC Bank. On XX/XX/23 I contact PNC bank at the number provided in the XXXX letter to ensure I pay my mortgage on time on XX/XX/23. PNC tells me there is no way for me to pay my mortgage to them until XX/XX/23 and that at that time I could go online and put in the new loan number ( provided in the XXXX letter ) and pay online then and not to worry because there would be no penalties for 120 days on this loan transfer. On XX/XX/23 I go to pay my loan online and the loan number is not working. I call PNC on XX/XX/23 and XXXX explains that these loan transfers sometimes are problematic but after a while we get it figured out and I make my payment. I also discuss with XXXX a letter I received on XX/XX/23 that says in order for my automated payment process to continue I had to sign and return a form in the mail. He said that is necessary to continue the auto deduction and unless I signed that authorization and returned it to PNC the auto payment I set up with my previous mortgage company would not continue. I asked if I could just set up auto pay on my own online after this initial payment is made for XXXX, and he said yes. I then made my payment online on XXXX with XXXX 's help. I also felt confident that I could set up the auto pay, if I want, going forward. Then on XX/XX/23 PNC processes an additional XXXX unauthorized automated payment deduction for another loan payment. I get an alert from my bank that I am overdrawn on my checking account. I call PNC immediately around XXXX MT. I speak with XXXX who is truly trying to help me but per PNC policy she says, we made a mistake and that she would escalate the situation to try to get me my money back. I said just reverse the transaction and we would be good. XXXX hours later and no response from PNC, I call back to XXXX who is still waiting on a reply from the escalation. I told her I am in a dire situation. She just said I am sorry but these escalations typically take XXXX hours. I asked if I could talk to a supervisor to further escalate, but I was told that was not an option. PNC then said that they made a mistake but they could not reverse the transaction without my bank providing something to them that required me to physically go my bank, and then after that PNC then would need a letter from the bank about something that I did not understand. I said why? You took the money without authorization why do you need authorization to reverse it from my bank? I was told that is the PNC process. It is interesting that they can take the money from me without my banks or my authorization but they need some kind of authorization from my band to give it back. I would love to understand that policy. I explained to PNC that I could not wait a week or maybe longer to get the money they took from me without my authorization. I asked why could they not reverse the unauthorized withdrawal as fast as they were able to make it. They said that was there policy. I tried escalating to no avail. I said how do I go to the grocery store to by food with no money and they said I am sorry. They would need a letter from my bank before they would refund the money that took with from me that PNC admitted was not correct. I asked how could that happen today. I was told it could not. I did tell them on the phone that I was charging them {$1000.00} a day interest for the loan and they laughed at me. they said that is their procedure. I told them in my opinion you stole money from me. I would like to charge them for theft if possible. I sit here going into the weekend with no ability to pay for anything unless I tap into investment accounts. I am so stress out I am not sure what to do. How is this allowed. If I went into PNC bank and took money from them that was not authorized, I would be arrested for bank robbery. How do I arrest or charge PNC for the theft from me? I absolutely would like to charge them for theft. | ||||||
| 11/12/2021 | Yes |
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| On XX/XX/XXXX, we applied for a mortgage loan. On XX/XX/XXXX, we received unconditional approval for the loan. On XX/XX/XXXX, we were asked to pay {$540.00} for the appraisal and credit report. We were promised that the approximate closing date is set for XX/XX/XXXX. We were provided a loan tracker to monitor the progress of the loan. I check the tracker twice a day. On XXXX XXXX, XXXX, we called the bank. The bank promised to finalize the loan by the end of the week and setthe closing date for XX/XX/XXXX. On XX/XX/XXXX, the PNC bank notified us that we have two liens on the propertyby XXXX XXXX and XXXX. We told and provided the PNC Bank with documents stating that the two debts were dischargedby XXXX XXXX on XX/XX/XXXX, and attached all the relevant Court documents. On XXXX XXXX, XXXX, PNC bank without our consent, contacted the Lienholder/creditor and received the letter saying that we owe them money ( court case # XXXX ) ( Portion of copy of letter dated XX/XX/XXXX as follow : ====================================================== XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX I XXXX I TTY - XXXX MON-FRI XXXX XXXX - XXXX XXXX EST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX XXXX Current Creditor XXXX XXXX Account Number : XXXX Court Name : XXXX XXXX XXXX, Case XXXX XXXX XXXX XXXX File Number XXXX Current Balance as of XX/XX/XXXX : {$3800.00} =========================================== We did our lien search on our property, but, there is no lien on our property. On XXXX XXXX, XXXX, since PNC bank contacted the " lien holder/creditor '' on their own without our consent, we asked to contact them to remove the lien put on our property. PNC and the lienholder are adamant that we still owe them money. PNC notified three options ; they are ( 1 ) pay them {$3800.00} ; ( 2 ) Cancel the loan and reapply ; ( 3 ) PNC loan officer will cancel the loan and try to refund the fee but, we are not likely to get a refund. On XXXX XXXX, XXXX, we replied and forward/attach all the related Federal Bankruptcy Discharge and State court order documents over and over again and told PNC that ( 1 ) We will not pay because we did not owe them. ; ( 2 ) We will not reapply the loan. ; ( 3 ) Refund the fee ~ {$600.00}. ( not an exact amount ) in order to avoid the lawsuit. PNC should have the title search before the unconditional approval on XX/XX/XXXX. Had the PNC bank done that, Why was the matter ( LIEN ON OUR PROPERTY BY XXXX AND XXXX ) not brought to our attention. PNC bank should never take the ~ {$600.00}. fee from us by issuing false unconditional approval on the loan. PNC bank on their own contacted the " Lienholder/creditor '' and conspire to collect a debt are XXXX by the Federal Bankruptcy Court which in violation of FDCPA. ( ref. See Attached-Lien {$3800.00} LETTER from XXXX by XXXX & XXXX XXXX XXXX XXXX XXXX letter from XXXX XXXX represented by XXXX ) Fyi, XX/XX/XXXX Default Judgment entered Judicial Officer : XXXX, XXXX XXXX XXXX XXXX XXXX Court Costs plus Judgment : {$2500.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : XXXX XXXX Awarded against : XXXX XXXX XXXX XXXX XXXX XXXX, Page XXXX Judgment Book : XXXX, Page XXXX -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Motion for Proceedings Supplemental Filed VERIFIED MOTION FOR PROCEEDINGS SUPPLEMENTAL Filed By : XXXX XXXX Filed By : XXXX, XXXX XXXX XXXX By XXXX PNC BANK File XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Proceedings Supplemental XXXX XXXX PM, Judicial Officer : XXXX, XXXX XXXX - XXXX Result : Commenced and concluded XXXX -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Order of Continuance by Court Continued Indefinitely Judicial Officer : XXXX, XXXX XXXX - XXXX Order XXXX -- -- XXXX XXXX -- -- -- -- -- -- -- -- Default judgment entered in the year XXXX which is superseded by XX/XX/XXXX, and XX/XX/XXXX Order of Court stated "... Continued indefinitely... ''. We file a Federal Bankruptcy Court on XXXX. XXXX, XXXX, and was XXXX on XXXX XXXX, XXXX. ( See attached the Fed Bankruptcy Court of Order. ) | ||||||
| 08/06/2022 | Yes |
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| I placed an International consumer money transfer in the amount of {$4000.00} XX/XX/2022, from PNC Bank XXXX XXXX Bank in XXXX, XXXX, XXXX Bank XXXX XXXX. The {$4000.00} was received in XXXX Bank headquarters, but could not be assigned to beneficiary account due to incorrect beneficiary account name and number. I was advised by PNC to file amendments for beneficiary account name change and account number change, in person through PNC bank XXXX XXXXXXXX, and then through PNC Wire Disputes XXXX XXXX directly, XXXX XXXX refused to call, stating this was the same number he would call anyways. Similarly, a request to the PNC bank XXXX was unhelpful. He told me to call the same number. I did call this number and file several amendments for beneficiary name and account number, however, according to the abundant emails provided by my beneficiary, XXXX Bank stated that they did not receive any amendments. When I brought his matter to PNC attention, through this Dispute line, it became clear to me that there was no process to investigate or counter this claim. PNC simply said " we are waiting for confirmation from XXXX Bank ''. When I asked " how long do you wait? what if confirmation does not come? what is the next step? '' " can you not just pick up the phone and call the bank XXXX in XXXX whose name is on the XXXX? '' they could not answer me. When I asked " XXXX Bank says they did not receive the amendment, PNC says they sent it ... so where is the amendment? they could not answer. Nor could they provide sufficient information to me to counter XXXX Bank 's claim. Such complete lack of transparency and a lack of direction from PNC undermines its credibility with its consumers and with other banks in the international banking system. The issues are as follows : XXXX. I am in need of a process to investigate, dispute or initiate further action on XXXX Bank 's claim that they did not receive the amendments. Simply refiling an amendment that the beneficiary bank state they never received in the first place is futile action. Furthermore, I initiated a recall of this wire on XX/XX/XXXX. However, if XXXX Bank repeatedly states they have not received the previous amendments, then how are they to receive the recall request???? This situation must be addressed. XXXX age, unresponsive communication on the American side. Despite my beneficiary providing me with reams of XXXX chains from XXXX Bank documenting the problem, and suggesting a resolution of the problem, PNC simply provided me, in writing, XXXX weeks after my request for more information, a deliberately nebulous and unsettling " we have updated your transfer as requested ''. Why is it done via regular post? Particularly since wires are time sensitive. Is this tiny, tiny response the best you can do to convince me and XXXX Bank that you are trying to resolve the issue? XXXX. Complete lack of transparency. PNC did not inform me of any activity on my wire. I initiated all discovery because I had received information from my beneficiary. Why is it that XXXX can provide me reams of XXXX documentation, with bank XXXX XXXX and contact information, documenting the problem clearly, and documenting path to resolution, whereas PNC bank provides a letter in writing XXXX weeks after the request, that simply states that I filed an update. This affects my credibility and the credibility of American banks. Furthermore, XXXX Bank initiated a return of my wire on XX/XX/XXXX, but I was not informed of this by PNC Bank. Again, I discovered this through my beneficiary. Why is my bank not working for me??? XXXX. The timelines are not protective for consumers. XXXX tells me they are obligated to return an unclaimed wire within XXXX XXXX due to interest charges. PNC tells me that my amendments to the wire XXXX take up to XXXX days to go through. I propose that the amendments need to go through before the wire is returned. You need to align the amendment time to less than XXXX days, or this is a useless amendment. I am happy to provide additional, specific information, upon request. | ||||||
| 06/19/2019 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX I applied for a HELOC with PNC Bank. During the time of closing I was provided omitted and confusing financing information by the loan officer XXXX XXXX ( sp ). 1. We considered an adjustable rate vs a fixed rate HELOC. We were also considering a first mortgage on a home that was paid fully in cash for {$410000.00}. 2. It was fully discussed with Mrs. XXXX that we needed to remove {$240000.00} to place back into a IRA for tax purposes but planned on paying this loan off in two years due to tax considerations. Mrs. XXXX told us about the loan process, the difference in adjustable vs fixed interest rates and closing cost. 3. We were told verbally by Mrs. XXXX that the loan did not have any closing cost as long as the loan was kept for a certain period of time as well as there was a XXXX dollar annual fee. In addition, we were told that we could lock the loan into a fixed HELOC rate at the days rate we locked it in with a one time XXXX dollar fee. That was the only stipulations we were told. 4. In XX/XX/XXXX, the rates began to climb. I went to the bank to lock the rate in. Mrs. XXXX was not there so I spoke to another loan officer to lock the rate and switch from a variable to fixed rate. It was at that time that I was told that in addition to the XXXX dollar fee it would also raise the rate to one full percentage point. I told the loan officer that we were never told this. The officer said she would have received. XXXX call us when she returned. She called me back the same day where I told her what I had just learned. She specifically told me that she was not sure of that but she would call me back with more information. When she called me back she apologized and said it would be an additional 1 % to lock the rate, and that she had been unaware of this. Therefore, this information could not have been shared with us at the time of closing if she was unaware of the rate addition 2 months later. 5. We were required to go to the bank on three separate occasions to sign closing papers as Mrs. XXXX had made errors in the previous two closing documents. This became very confusing to say the least. During the two additional closings we were not given any verbal communications but only to ask us to resign what we had already signed. The two additional closing documents were back dated with us being told to write the original closing dates and not the date we actually signed the new documents. 6. The notary was also back dated to the original closing date and not the actual dates of the additional signings. 7. The paperwork we were given never details the one additional percentage point as it was verbally explained. 8. Due to the rising interest rate we decided to apply at a separate bank for a first mortgage at or about the variable rate we originally took with PNC bank. This caused us to take on a second closing cost for the new loan. 9. The house was financed with XXXXXXXX XXXX and the PNC loan was closed in mid XX/XX/XXXX. 10. PNC bank is now asking us to pay the original closing cost of approximately 800 dollars. 11. I lodged a complaint with PNC Bank where I allege that we were not provided with all of the factors of the HELOC that would have allowed us to make an informed decision. To say the least it was all very confusing, the additional closings and the omission of the rate addition. 12. My allegations that under the Truth in Lending law, we were not provided with relevant information to allow us to make an informed decision. 13. I had another bank loan officer review the paper we signed and he stated that the form was a generic form and that he did not see any mentioning of the 1 % rate increase if the loan were changed from a variable to fixed rate. 14. We are only asking that the XXXX dollar closing cost be removed due to the failure of Mrs. XXXX to disclose the loan information accurately and fully. 15. During A PNC review they said everything was done correctly and they would not reverse the XXXX dollar closing cost. We disagree with this assessment. | ||||||
| 01/20/2023 | Yes |
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| Im encountering a situation caused by a duplicate transaction that is putting me in severe financial distress. The issue was caused by a duplicate bill payment of multiple thousands of dollars that resulted in my PNC checking account to overdraft. The bill payment was processed through both PNC bill pay and my credit card company 's online bill pay for the exact same amount. I don't remember scheduling the online bill pay through my credit card, but it's possible it was user error. I'm investigating this with my credit card company, but my major concern is with PNC 's lack of action on the situation and the conflicting information I was provided after multiple phone calls. XXXX XXXX The sequence of events is as follows XXXX XXXX XXXX XXXXXX/XX/XXXX 1. Received a mobile notification that my PNC account was under my established threshold. 2. Identified the duplicate payment on my account and contacted PNC via phone within 15 min. of receiving the notification. Was told that since the payment was already pending, it could not be disputed until it was posted the next day. PNC recommended I call my credit card company to see if they could cancel the transaction. 3. Called my credit card company and they stated it had already posted on their end and could not be cancelled. However, they recommended I dispute the transaction so it would be reversed and there would be no fees changed on their end for reversing the payment. 4. Called PNC back and notified them of my intention to dispute first thing the next day once it posted. XXXX XXXX XXXXXX/XX/XXXX XXXX. Called PNC shortly after XXXX XXXX to dispute the transaction. Was told it would take 6-10 business days for the dispute to be handled. They offered no option to make any funds available and that there was nothing they could do to expedite and/or take my account out of overdraft status. However, I was assured that pending payments would be processed, and any overdraft fees would be reversed after the dispute is resolved. They credited only 1 of my overdraft fees " as a courtesy. '' 2. Received a mobile notification at XXXX XXXX that 2 of my bill payments that were in posted status that morning were being reversed due to NSF. 3. Called PNC immediately after being notified of the NSF bill payments and was transferred to a retail specialist who said they could expedite the dispute and there would be a resolution within 24 hours. She said the NSF transactions could be addressed after the escalated resolution. XXXX XXXX XXXXXX/XX/XXXX XXXX. Called PNC at XXXX XXXX to check the status of the dispute. Was then told that my dispute could not be escalated because it was not a debit/credit transaction. No additional solutions were offered other than to wait 6-10 business days. XXXX XXXX This situation is extremely concerning for the following reasons : 1. PNC would/could not take any action on XX/XX/XXXX when I identified the duplicate transaction. 2. 4 bill payments were processed the morning of XX/XX/XXXX. The large duplicate payment was processed first, which took my account into overdraft status, causing the 3 other bill payments to post as overdrafts. This occurred even after calling the day before to report the issue. I don't believe it was a coincidence the large duplicate transaction posted first. 3. All 4 bill payments were marked as posted the morning of XX/XX/XXXX, but at XXXX XXXX 8 hours after the dispute was filed, 2 of the payments were reversed as NSF after I was assured this would not happen. Amazingly, the large duplicate transaction was not considered NSF. 4. I was informed there was an escalation process that could address the situation in 24 hours, most importantly to review the NSF transactions. However, I wasnt informed the duplicate payment wasn't eligible for escalation until calling after the requested waiting period. 5. It is clear this transaction is an error and there is 0 urgency to resolve. Meanwhile, my account is in overdraft status, bill payments are being refused due to NSF, and I do not have access to any funds. | ||||||
| 12/01/2017 | Yes |
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| I recently purchased a new vehicle through a dealership at which point the vehicle was financed through PNC via the dealership. Provided to me at the time of vehicle purchase was the method, per PNC, to set up automatic draft. Since all of my other bills are automated I opted to go this route. Per their instruction I provided the account information along with a payment in the form of a check. A few months later PNC calls me saying my payment is late and they are going to assess late fees, however to stay current I make payment over the phone ASAP. When inquiring as to the status of my autodraft the representative informed me they had no information on file. I requested the form to be mailed to me again so I could resubmit. I never received and again received calls from PNC that payment was overdue so I immediately made payments. I made multiple requests to receive information via email since I frequently spend weeks/months at a time out of town for work but my requests were denied as that is not a capability of PNC at this time. I could not even set up an online banking account without a pin that had to be mailed to me, which I would not receive for weeks/months because of my travels. Again I request autodraft paperwork and upon receipt I resubmit the paperwork for autodraft with a payment in the form of a check to keep me current. I received no correspondence of any sort so I was led to believe that they actually processed the autodraft and everything was working as planned. Approximately 2 months later I receive a letter in the mail proclaiming my account was 90 days past due and they were going to repossess the car. I immediately called and made payment. Within 48 of making payment I find my credit has been hit for a late payment when all of the while I was under the impression I was on automatic draft. After further communication and investigation with PNC they claimed that by the time they went to process the autodraft paperwork my account was past due. This seemed odd to me since I included a payment with the paperwork. However, since it took over a month for them to process the autodraft by the time they did get to process my account was past due so they simply threw away the paperwork and never informed me ( happened twice ) that they were throwing it away and not setting up the autodraft as I was expecting. All in all this has been an overwhelmingly frustrating experience due to their lack of care and inibility to work with me. On top of this, their archaic methods of business and communications seem to me that they are basically setting a trap for unsuspecting consumers accustomed to efficient banking practices ( ie practices done instantly online, communication via email/text, etc ... ) in the attempt to profit. On top of all of this, there may be considerable monetary stakes for me in this matter. A month prior to this credit hit I put {$47000.00} down a house that will shortly be under construction. Due to this scenario, my credit score has taken a substantial hit and I may not be able to get financing upon closing, at which point I would forfeit my down payment. If I am able to secure financing at my much lower credit score, it is safe to assume the increased interest rates and rising cost of PMI will, over thirty years, cost in the hundreds of thousands. My credit report clearly indicates I have NEVER missed a payment and would have never missed this payment if PNC had followed their own protocols, which in and of themselves do not belong in the 21st century. They made no attempts to communicate with me and no attempts to rectify the known issues I was having and clearly took advantage of me as a consumer. I am seeking advice on how to best approach this situation and get the hits on my credit score removed if at all possible. I truly do not believe I was at fault as I tried to set up automatic withdrawals on multiple occasions and was never made aware they did not set it up. Any and all help in this matter is beyond greatly appreciated. Thank you for your time. | ||||||
| 02/19/2020 | Yes |
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| I met XXXX XXXX XXXX XXXX ID XXXX in the XXXX XXXX XXXX. She came of as a knowledgeable loan officer and as a board member of the group seemed trust worthy. At the time we met I was shopping for a home equity loan. At that point I have spoken to XXXX XXXX was told that the bank had a great program were there would be {$100.00} closing costs and XXXX under prime. I asked for her opinion on that offer and was told that PNC had no closing cost at all and they offered XXXX under prime. As the PNC offer was much better I decided to go ahead and apply for the loan. We decided that a 20 year term was best. I was originally quoted a XXXX XXXX monthly payment and was asked to bring in previous mortgage statement, XXXX, XXXX and bank statements for the past two years. I came into XXXX XXXX office on XX/XX/XXXX signed some paperwork and provided her with the info she needed. There were some underwriting requests since the company I was working for had just recently been purchased. On XX/XX/XXXX I received a SMS from XXXX XXXX that the loan was approved and appraisal was scheduled. On XX/XX/XXXX I sent XXXX XXXX a SMS letting her know I received a letter stating that there are closing costs and wanted to talk to her about it. We spoke on the phone and I was assured that the closing costs are listed but will be waved. The appraisal for the property came in on XX/XX/XXXX and the home was appraised for {$520000.00}. I continued to receive paperwork showing a closing amount and every time that was questioned the answer remained the same. This will be waved at closing On XX/XX/XXXX I was told that the file is being sent to closing and XXXX the paperwork was sent out to close via mail. At this point my rate and monthly payment have increased. I was OK with the new rate and monthly payment. On XX/XX/XXXX I received a call from a processor who told me that there will be closing costs and I will have to set up a checking account with PNC bank. I was not aware of any of this and asked him to reach out to XXXX XXXX. She then sent me a SMS saying this : Give me a bit. What this guy is saying doesnt make sense with the closing costs. My manager is going to his. Shortly after this email I received a call from her telling me that her manager will be able have them waved and it was his error since he confused the home equity loan and home equity line of credit. She then told me that in order to receive a lower interest rate a checking account must be open and someone will reach out to get that set up for me. Dont worry she said there is very small minimum to have in this account like {$20.00}. I spoke with the banker come to find out that minimum is {$500.00} and the closest branch to me is over 40 miles away. On XX/XX/XXXX I reached out to XXXX XXXX to find out the status of this loan since I have not heard anything back from PNC Bank. I was told that the funds were disbursed on XX/XX/XXXX to an account that had no access to and no knowledge off. At this point I was not able to take advantage of my look back period. I asked XXXX XXXX to get me the account information so can at least find out what is in my account. After she was able to provide me with the account information I was able to set up access on line and noticed that the closing costs were not waved. I was told that her manager is still working on the refund. As I followed up over the course of the past 4 months I was told that she would reach out and follow up with her manager. These are the dates I followed up : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I asked for contact information for her manager and was only given his email address. A few moments later was told that the CEO want sign off on the reimbursement. PNC Bank took advantage of me! I was told that certain fees/ closing costs will be waved and never had an opportunity for a look back period to cancel the loan. P.S. If any proof of correspondence is required please do not hesitate to ask. I have all SMS and email correspondence available upon request. | ||||||
| 02/27/2018 | Yes |
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| I aquired my home thru survivorship rights when my companion passed away, and he aquired it thru a trust when his mother passed away. I handled all business having to do with the mortgage company til my companion passed away and the mortgage company withdrew my right to be acknowledged at all. I tried several times thru the course of 5yrs to get them to help me or at least to acknowledge me as the sole owner and tell me what to do to no avail. I faxed them the deed and both avidavids of death several times, even filled out numberous hardship packets and enlisted the help of a program called " Keep Your Home California '' who tried to help me twice but were turned away. First by the mortgage company who said I had nothing to do with the loan so how could they help me? And the second time the " substitute trustee '' who wouldn't postpone the sale of my house by a week to give them time to process my paperwork. I faced foreclosure 3 separate times in 5yrs. The first time I got out of it simply because I was constantly calling to try to work things out. The second time tho they sent my payment back saying it wasn't enough to cover my default and again when I sent a money order for 2 payments. Since I was unaware of any default and they wouldn't discuss anything having to do with the account with me, I hired a paralegal to write them a letter. In which he stated that it seemed like there was either a misunderstanding or they were trying to steal my house and he requested they send me a copy of the trust and 6 or 12 statements, which they did along with a letter of condolence for my loss, a promise to update my file with the new information, and an apology for sending my money back. Adding that any inconvience or fee 's aquired due to their mistake would be null and void. However I was now in serious default and less than a year later they foreclosed on me for the third and last time. I panicked and deeded the deed to myself before they did tho to get the deceased people off it and they actually talked to me for the last 2wks or so to tell me I was XXXX. However, now that they were talking to me and I had a copy of the trust " Keep Your Home California '' was sure they could help me but the " substitute trustee '' wouldn't postpone the sale for a week so they could process my paperwork. They postponed the sale by a day tho so the buyer could get all the money together which also caused there to be nobody there but the buyer, a guy from the bank, and myself ... So who and why was there a " substitute trustee '' in the first place? My companion was the trustee and by the time I aquired the home there was no more trust!!! And they too avoided talking to me except to deny my request for more time and then again months later when I was told that altho I was the only one who applied for and was entitled to the surplus funds they'd spend every last dime if they had to trying to track down the original borrowers next of kin and only then if he didn't want it would I be entitled to it. I called for months crying because I was XXXX with XXXX small dogs and got treated worse and worse til I asked for somebody above this lady and the funds were deposited with the court, so I had to petition them for it. I totally did not understand this lady 's personal attachment to my house or my money but they illegally sold my house in the original borrowers name even tho she had been deceased for almost 10yrs at that point and they listed her as a single man. I honestly can not figure out how they could possibly have a clear title when I didn't sign or agree to anything and I was the sole owner ... Even the final forclosure papers state that they are not the forclosing beneficiary, but THERE WAS NO FORECLOSING BENEFICIARY!!! And the next of kin did try to have me removed before he found out that I was actually on the deed and he wasn't the new owner. So that approach has been tried and denied. My lawyer simply wrote his lawyer a letter stating he needed to research his facts, and I never heard from either of em again. | ||||||
| 07/13/2023 | Yes |
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| To Whom It May Concern, I am submitting a formal complaint against PNC Bank for placing a hold on my Business and Personal accounts without merit. We are a holding company in Real Estate investments, stocks, and other financial instruments. On XX/XX/XXXX, two wire transfers in the amounts of {$200000.00} and {$460000.00}, respectively, were paid to my business account. On XX/XX/XXXX, I went to PNC Bank in XXXX, CA, to transfer fund to XXXX XXXX XXXX in the amount of {$100000.00}. I also had funds transferred to my Personal account from my business account where a wire transfer was sent to my trust account at XXXXXXXX XXXX in the amount of {$500000.00}. Due to an anomaly in exceeding my limit, the funds were returned to my PNC Personal account. After several attempts to check on the status of my accounts for the return of the wire transfer, and since I could not log into the PNC website, I called the bank the evening of the said return. The banks ' operator told me I needed to log into the account correctly. I called the bank the following day and was informed there was a " Hold '' placed on my account. I went to the bank and was told that a " hard hold '' was placed on both of my accounts. I asked why but to date, I am still waiting for someone to explain the reason for the Holds. After several inquiries on the status of the release of my funds and meeting with the Branch XXXX, XXXX XXXX, he referred me to XXXX XXXX at the Executive Office, and the Cyber Investigations Unit, they also have been unable to provide me with an answer as to why my account has a " hard hold '' for possible fraud. I want to know who committed the fraud and where did it come from? These deposits came directly from XXXX XXXX, the CFO of XXXX XXXX, a company that has been in business for over thirteen years. Payments were made to me for licensing fees from one of my investors sons. Another {>= $1,000,000} was to enter into my business account from one of my other investors, but since the account was on hold, I informed him not to make the deposit but he had already sent it and had to go to the bank to stop payment. Since this happened, this investor has decided not to invest with me, putting a setback on our proposed projects. My account is a few months old. I joined PNC after meeting XXXX XXXX two times at the Business community meetings for business owners as I was the commercial property owner of XXXX XXXX XXXX, XXXX, CA. When I met XXXX XXXX, he gave me his business card and said I should join his bank. Albeit a few years had passed by due to a setback of medical issues It wasnt until I got a clean bill of health that I recently decided to start a new business with family, friends, and people Ive known in the business world as investors. I thought it would be an excellent opportunity to start my business with PNC Bank. Hitherto, I never expected to be defamed, libeled, and slandered for fraud. I believe I have a right to know where this defamatory information comes from, and I would like to get the bottom of it to stop it. I submitted a letter to the bank requesting to close my accounts with the release of my funds in a check. I have not received any status on my accounts nor the reason for the hold. I have no criminal record, nor have I ever been involved in any illegal activity, and Ive never been informed of such by any government agency, attorney, company, or any other type of agency. I believe this action taken against me is unwarranted and has no merit, therefore, my funds should be released immediately on both of my accounts. If the bank doesnt want my business I formally request they close my accounts and return my funds asap. I have attached the invoice paid to me, my account statement, the wires sent along with the bank refund sent to me by XXXXXXXX XXXX and the letter I sent to the bank. At the time of my " hold, '' I was the only member of the XXXX ; currently, there are two other team members : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Real Estate Agent, XXXX XXXX XXXX Real Estate Agent | ||||||
| 05/13/2021 | Yes |
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| Well to start off i recently started playing XXXX XXXX online and was making deposits to it using my checking account which is with pnc starting back in XXXX to be exact so everything was going fine. Whenever i played XXXX would automatically take out their money from my account and i know that for sure because i would always go back and check behind every transaction so once i got a deposit from another game i play for like XXXX dollars and then i check my bank account and there was email that it was an overdraft so at first giving the bank the benefit of a doubt i thought maybe it was my error because i have been with them since XXXX and never had a issue that i really noticed even though i wasnt to sure if it was really my mistake because i never spend more then what i have in my account and i always check back to make sure i have what i am about to spend before doing so. So i let them take XXXX the first time after that i went to branch and ask the employee about the pending transactions and she informed that the funds are tooken out already and whatever amount that i see after is actually what is available which i figured because i always check my account after every purchase so ijust let the first overdraft go over my head bad idea for not looking into it because XX/XX/XXXX to the XXXX my account was charged 18 times for transactions that were already taken directly taken out things were changed around which may sound so crazy transactions that were there before were missing so i reached out to the bank and of course they didnt wan na take any responbility for it they told me everything that they thought would just make me let it go so i started to do my own research and going over my finances even look into reviews to see if this has happened to anyone else and long and behold the bank i thought so highly has done this plently of times so after throughly going through my account and gathering all my proof to show the errors in person because i wasnt getting anywhere on the phone i sat at the bank for XXXX going over transactions so finally they had no choice but to see what i was seeing so at this point my account was overdrafted XXXX dollars at this point so the manager sent in for a dispute for ten transactions because how could a transation that came directly out on the XXXX come out again on the XXXX the manger put in a provisional credit for those transaction which it really wasnt a credit that came to me it made the account current by paying the false overdrafted transactions so im thinking okay pnc is going acknowledge that they made an error and this nightmare would be over and they would fix their error especially after i came with so much proof that it was their error not XXXX little did i know the nightmare was far from over so i let them try to fix the problem and they went after XXXX and i recieved a email from XXXX that my bank did a charge back and not only do i owe them XXXX dollars an additional XXXX for the charge back so not only did pnc stick the knife in my back they twisted and smiled in my face afterwards so i reached out to them and they still continue to not take the responbility making every nonsense soultion they could to try and justified that it was not on them and act like they could careless if someone took a XXXX dollars out of my account in their face they wasnt gon na take any responbilty i have talk to a total of about 6 people and all i get is different senarios of why it happened but there still not telling how my account was double charge it has been very stressful and mind blowing but i am not letting up because it has been done to many times and being that no one wants to take the time to challenge them it keeps happening how many other unknown people have they done this to and they think because this is a bank that holds money for many that they are not capable of making these types of errors and leaveing the financial burden on their selves it is not right and even if i dont get a dime back i will not let them get away with this anymore | ||||||
| 10/29/2022 | Yes |
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Web | Servicemember |
| In XXXX of 2022 I applied for a COVID forbearance after losing my job from XXXX. Youll see in my previous complaint that I has major issues obtaining the forbearance with the bank/mortgage company, but fortunately filing the complaint got them to fix the problem and approve the forbearance effective XX/XX/2022. I had taken a forbearance at the beginning of covid for a few months due to company closure, and at the end of that the payments were deferred to the end of my loan. When I finally got this additional forbearance setup, I asked if the same option was available, and was assured it was. Fast forward a couple of months and PNC Bank purchases my mortgage from XXXX XXXX XXXX The end of XX/XX/2022 I finally got a job offer. I spoke to PNC Bank when I started in Early XXXX. I stated I would be able to begin repayment effective XX/XX/XXXX, but that if XXXX was the last month I could have the forbearance I would make XX/XX/XXXX work to restart payments, I would just be a little behind. The representative on the phone told me there was nothing they would do until I had the bad to make a payment, and to talk to them then. In late XXXX they called me, and I said the exact same thing, only this time I was told it was no problem, and that I could resume payments XX/XX/2022. It was my understanding that the payments would be deferred the same manner as the initial forbearance. Maybe I misunderstood, but knowing thats what happened the first time and thats what was told to me when I had to restart the forbearance, that made sense. My new job involves quite a bit of travel. I am a XXXX XXXX for XXXXXXXX XXXX XXXX, and have been sent to Nebraska, XXXX XXXX, and some other locations. After being away for a few weeks I arrived back home to a foreclosure notice from PNC dated XX/XX/2022. 23 days before my forbearance was over. It states that if I didnt pay the entire forbearance amount of {$20000.00} by XX/XX/2022, they would foreclose. Mind you, I had already resumed & paid my XXXX mortgage payment as promised before seeing this notice. I finally spoke to PNC Bank this past week, where they blamed me for not answering their calls while on XXXX XXXX XXXX ( where Id be fired if I did ), but there was not a single voicemail left to even notify me they called or to call back. Now knowing their phone number, there were even a few times where I DID answer, and said hello Multiple times, and no one was ever there ( I guess thats my fault too ). During the call this past week they informed me that documents were sent in XXXX that need to be notarized and returned, and since I didnt within 10 days, they began foreclosureBEFORE THE FORBEARANCE WAS OVER. I did not need to complete documents after the first portion of the forbearance, much less by mail and requiring a notary, while the rest of the world is trying to save paper, so I definitely did not understand that mailing those documents to me would immediately cancel my forbearance protection. I am now told that by not returning them its no longer considered a COVID forbearance, and that I will have to officially apply to see if theyll stop foreclosure proceedings. I have a Really hard time believing thats legal. Or that sending a foreclosure notice while Still In Forbearance is legal. I am really hoping someone can assist me is getting the forbearance amount either deferred as it was the first time, or whatever method is necessary ( they also told me they didnt believe me about the deferment or the mortgage holder at the time telling me that was an option again, because the PNC rep would never say that. I would also like to know if its legal for them to send foreclosure notice 23 days before the forbearance was over, and demanding full payment on the first day the forbearance ends, because everything I have read on the HUD and other government sites states otherwise. It shouldnt be this difficult, stressful or otherwise, do follow a presidential forbearance procedure, and then responsibly resume my mortgage payments the moment I am able. | ||||||
| 04/25/2023 | Yes |
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| On Friday, XX/XX/XXXX, I visited my local PNC bank branch in XXXX, TX at XXXX pm. I have had my accounts there since XXXX. My husband and I arrived, I filled out the deposit slip to deposit cash into our savings account, I also filled out a withdrawal slip for the same account to obtain a cashier 's check since we were scheduled to close on our new home that same day. After I provided the teller our transaction tickets ( that we both signed ) as well as 3 forms of identification, my deposit was accepted. When the teller went to process the withdrawal, I stated I needed a cashier 's check, he asked that I write the payee on the back of the withdrawal form. I complied and handled him the completed form. He went back to his teller window, which was at the drive through about 10 steps away. He started to process the withdrawal then said, " oh you want all of it ''. My response was yes in cashier 's check form. He then went into the next room, where it sounded like he was on a personal phone call. He then came back and said he could not process the transaction as he could not verify the account. I asked him what that meant, I was completely lost, I did not understand why the account couldn't be verified as me and my spouse were standing right in front of him with 3 forms of ID and could have provided more had he asked. But instead, he proceeded to tell us that the account needed to be updated. Once again, I asked, " what does that mean and what do we need to do to get the account updated, I need that money ''. He then went back into the next room ( door open both times ) and we could hear him talking in a low voice - once again as if on a personal call again. He then came back and said he could not process the transaction and he had sent my account to the fraud loss and prevention department, I that I should receive a letter in the mail but did not know when that would be. I asked him if I could transfer the money into a different account from my app as we have FOUR total accounts with PNC. That is when he let me know that he, " WOULD NOT BE TRANSACTING TODAY. '' I asked him if he had flagged my accounts, he said I would need to contact corporate which mislead me into believing that he had frozen my accounts. At that time, he gave me his business card with corporates number written on the back. I then learned he was the branch XXXX. I immediate felt my consumer rights were being violated by him not explaining anything to me, by using his authority to withhold funds that had been in the account. Accusing me of committing fraud in his face. I felt personally discriminated upon, as well as my husband. I was unable to obtain our cashier 's check, we were not able to close on our new home. The emotional distress we both felt as we stood in the lobby with other bank customers listening to the whole situation, for us to walk out humiliated, empty handed - without our hard-earned money, without proper reasoning and once again not being able to close on our new home. I contacted corporate after we walked out of the branch, they were able to verify my identity and apologized for the branch managers actions, they stated they would look into my compliant and would follow up with the XXXX PNC office. I live XXXX minutes away from the XXXX branch location, but they asked if I could drive to the next branch which was XXXX miles away ( XXXX ) from where I live to obtain our funds. Which was also a monetary inconvenience to us. I received my cashier 's check after XXXX XXXX that afternoon. After the title company closed, in other words we did not get to close on our new house purchase. The embarrassment, humiliation, mental and emotional distress we still feel, and not to mention the discrimination we endured, no words can properly describe. I pray no consumer ever has to go through that. With my compliant, I hope this brings awareness to PNC of their XXXX they have on staff using his authority to violate consumer rights. Neglecting us of our hard-earned money, causing monetary and emotional distress. | ||||||
| 11/30/2019 | Yes |
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| This is a follow up on Consumer Financial Protection Bureau Case XXXX-XXXX. PNC has refused to cooperate and remove my incorrectly reported information to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, stating that it will fall off in 5 years from the date of being reported. PNC recorded a phone call between myself and the agent XXXX XXXX from Executive Client Services on the dates XX/XX/XXXX and XX/XX/XXXX. The CFPB and Federal Trade Commission both have my full permission to obtain the recorded phone call from PNC to verify the information being reported. PNC has feigned ignorance in an attempt not to acknowledge the billing error and asked me to find where on the XXXX billing statement is the reported error. This is a fallacious request because they are asking me to find missing information on the statement that PNC has failed to report. Multiple times, in person and over email with multiple supervisors, I provided verification from the airline XXXX XXXX of the flight dates, the purchase dates and amounts of the purchase. XXXX reports different billing amounts of the flight purchase which were processed on different days. XXXX acknowledged that she saw that there are two different prices. However, then continued to state that the charge posted later in the week and that doesn't make sense because a different amount of money was charged. XXXX reports that their records do not show a second transaction, and yes this is true and it is why this entire problem exists. PNC is not reporting the second charge on my old billing statements as that would prove their error. This is a willful violation that must be assumed to be fallacious and may evince PNC 's willful violation to ignore my protected rights, as described by the FCRA, FCBA, The Truth In Lending act, i.e., 15 U.S.C. 1681 et seq. I paid {$1100.00} on XX/XX/XXXX to XXXX and was charged again in XXXX for a different amount, {$1100.00}. PNC acknowledges this and refuses to admit there is an error that is on the billing statements they have produced and refuses to clear my damaged credit. PNC also refuses pay the continuous overdraft fees in the amount of {$710.00} which they used to steal my funds from my account in XXXX to cover those unauthorized charges. Attached is the proof of the two billing amounts, from XXXX and PNC which were charged on two different dates for this following flight. Itinerary # XXXX Ticket # XXXX Please return my funds which were stolen from my account to pay for the fraudulent overdraft charges, and the money that was spent on credit repair services, all of which were listed in my complaint on XX/XX/XXXX. I am XXXX with the IRS and have a XXXX through XXXX for Anti Money Laundering - Fraud - Beneficial Ownership and Customer Due Diligence. I can say without a doubt that this is fraud. PNC has been provided the allowed time mandated by law to complete their investigation. In spite of evidence produced, PNC refuses to remove the spend account from XXXX XXXX XXXX and claims there was no bank error and refuses to reimburse me in the amount of {$710.00} - from overdraft fees charged to my checking account. PNC is not acknowledging a bank error, however they have the waived the full balance owed in the amount of {$1500.00} and reported it to XXXX as settled in full. Evidence has been attached to this complaint with the invoice of the correct purchase amount and is dated XX/XX/XXXX, not what PNC has reported on the billing statements. The original complaint on XX/XX/XXXX provides the billing cycles where PNC has willfully charged and credited my checking account multiple times causing {$710.00} in overdraft fees. I was told by PNC years ago in XXXX that this issue was resolved and only made aware that the false information reported about me still existed by being denied on an application to open a checking account at another bank. The denial from XXXX is attached too. Please feel free to contact me directly at my cell phone immediately if there are any questions. Regards, XXXX XXXX | ||||||
| 10/22/2021 | Yes |
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| I have a screen recorded video of the scammer and the person I physically know ( XXXX ) his instagram account was hacked and I didnt know and then I was referred to the XXXX account XXXX- who owns the XXXX XXXX who scammed me . I have many screenshots in addition too, but the videos are screen recordings of the whole conversation- the screen recording of the two conversations is like 5 or 6 mins long. Originally when I was messaging XXXX on XXXX ( someone I physically know and trust to a degree ), at the time ( XX/XX/XXXX ) I did not know he was hacked so I was talking to someone who was posing to be him and referred me to this account on XXXX XXXX who owns the XXXX XXXX XXXX The videos I saw XXXX posting about was turn XXXX into XXXX in minutes ( when in reality it was taking days and then I figured out I was scammed ). So he referred me to XXXX aka XXXX. I talked with her and it was like a step by step process and she didn't give too much information other than sign up for this account with flipcoinstrade.com with the email you use your bank account with and then XXXX XXXX to get the account started for E-currency trading service to later get a profit then withdraw money. Then she was like you need to upgrade your plan, I tried asking about the different levels and what they do or mean. She gave very vague info and made this all seem like if you go for bronze you get more money when you buy a plan for XXXX when originally I wanted to do platinum. She put me in bronze but I never asked for that, just the information on the benefits of other levels. I thought I was going into platinum upgrade which was only {$2000.00} then I would be able to cash out. She never gave me a pin so I may take out my trade profit and she made me go into bronze which i never asked for and my XXXX also froze during this time bc I knew something shady was going on. She was trying to get me to send her more money for the bronze level by XXXX and XXXX and even a bitcoin ATM which I have never used in my life and I don't have a bitcoin account. The screenshots in the XXXX XXXX folder show this information and as well as the folder labeled " Screen recorded videos of conversation ''. During the times of these conversations on XXXX I was in contact with PNC Bank and XXXX about disputing these fraudulent transactions because I was tricked and scammed and given a fake service/ crypto currency account and I cant even take out the money I invested originally or any profit. When I first started the case with XXXX I was scared I wouldn't get this transaction disputed so I wasn't sure how to go about it, but I did say I don't know XXXX XXXX ( XXXX instagram ), and have never met this person in real life/ physically because I haven't and I know I was being scammed after 2 days in this process of talking to her ( XX/XX/XXXX, XX/XX/XXXX ). I have also been in contact with someone ( XXXX XXXX in screenshots in XXXX XXXX, who knows XXXX 's XXXX account was hacked and that I was being scammed by ( Fake XXXX ) and XXXX scammer XXXX ( XXXX XXXX ) XXXX I was able to get my XXXX transaction disputed and refunded by XXXX because they clearly saw I was scammed and refunded me the {$1000.00} on XXXX. However PNC Bank and XXXX which my PNC Bank app has XXXX within the app has not refunded me the {$2000.00} and denied my dispute. I would Like to file a complaint and get my money refunded to me or process a charge back. I called my bank had them cancel the debit card XXXX was linked to on XX/XX/XXXX, I filed a dispute with my bank on XX/XX/XXXX, and again on XX/XX/XXXX and so far I've been either waiting then the dispute is denied or I file again and keep waiting after submitting the evidence of the screenshots attached. On Thursday XX/XX/XXXX PNC denied my dispute because it was a XXXX transaction. I know this is a lengthy email but I am definitely concerned about the status of my cases PNC Bank and would be happy to call, video chat or provide any other information you need to get this transaction disputed. XXXX XXXX | ||||||
| 03/11/2016 | Yes |
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| I 've been on the phone for at least 3 hours every day in XX/XX/XXXX & this month, as I do not see foreclosure sale have ceased on my home even though I have a mediation date set for XXXX/XXXX/XXXX. I have called the foreclosure attorneys repeatedly & no one has responded by mail, phone or otherwise since XX/XX/XXXX when they got involved. I requested a loan modification on my mortgage each month since XXXX/XXXX/XXXX when my hardship began. Each month the bank closed my file requesting documents which were already provided & /or which do not exist. A rep. at the bank advised me after foreclosure attorneys were involved I was n't eligible for a modification but still need to request it & if declined I then could work out a payoff quote. No one assisted in this matter whatsoever I was never declined. Every time I called the bank they said I did not provide records & every month I requested a payoff quote. Since I could not reach resolution & payoff amount from the bank or from the foreclosure attorneys I requested mediation. My check was cashed for {$50.00} & mediatio on XXXX/XXXX/XXXX date set. I mailed in documents as instructed by the foreclosure attorneys for mediation. An attorney I was working w/ also mailed in a request for mediation XXXX XXXX, XXXX & no one responded & not one person called us back. Since I have reported to my bank the foreclosure attorneys did not provide a payoff quote. The mortgage company said the foreclosure attorneys must provide a payoff quote & also must be notified of the mediation. The foreclosure attorneys were mailed copies the same & court got the documents but the bank & the foreclosure attorneys have not researched, have not assisted & not found the documents? This is consistent w/ the entire handling of my case-negligence. As a result a sale date established & since I have called the administrative hearings office, have called PNC Bank, have called the foreclosure attorneys & the only parties helping was the person at the administrative hearings office. I was advised unless there was a technicality she was not aware of the foreclosure sale date should have been canceled. However, this was not done! As I prepare my documents for mediation the bank has not reviewed carefully I called PNC on XXXX/XXXX/XXXX & requested why my account was not in mediation & they advised me to call the foreclosure attorneys. I advised my bank as I have done repeatedly since XXXX/XXXX/XXXX the foreclosure attorneys do not answer the phone, do not respond to letters, do not return phone calls. PNC Bank put me on hold & called the foreclosure attorneys on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & said they are requesting information from the administrative hearings. Each time I called PNC I requested my account documented why I was calling which is the foreclosure attorneys do not respond at all. Today XXXX/XXXX/XXXX an attorney assisting me told me there was a Motion to Strike Request for Mediation on XXXX/XXXX/XXXX. I feel it is the responsibility of the bank to advise me as I was calling each day as the XXXX/XXXX/XXXX sale date was coming. This account has already been compromised by several calling in & telling the bank erroneous information resulting in documents being requested of me which do not exist. Each time I call in PNC representatives tell me the previous rep. did not take any notes, did not assist me & did not input any information of the mediation in their systems despite assuring me they did so. I was assured by each PNC representatives " they are doing all they can ''. They did not do anything which resulted in a Chp. XXXX Bankruptcy today to stop this sale. No guarantee at all. I 've been requesting mediation since XXXX/XXXX/XXXX when PNC requested documents not applicable to my situation or me whatsoever. The Motion to Strike filed XXXX/XXXX/XXXX said I did not file timely? We had XXXX inches of snow schools, court closed, mail stopped for a week XX/XX/XXXX-XX/XX/XXXX! Please help! | ||||||
| 08/27/2021 | Yes |
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| On XX/XX/2021, I received an automated email from PNC bank that a new product that had never been utilized before on this account had been opened and that If you did not request this service, please contact as soon as possible. Upon checking the account online, I discovered that there were 4 pending XXXX transfers totaling {$1000.00} to people that were unknow to myself or my son ( XXXX XXXX ) as we are both signers on this account. Upon inquiring with my son, who was traveling in an airport that day, he informed he did not sign up for the XXXX product and had not initiated any transactions to these unknow fraudsters. I immediately called PNC bank an informed them that we had not signed up for XXXX and the transactions, which were displayed as pending online were fraudulent and to not let the transactions complete. The representative from PNC said there was nothing they could do on their end and provided me with a phone number to XXXX. Upon calling the number to XXXX on at least 10 times, the phone would be picked up and then hung up by someone on the other end. Without any success for the repeated contacts with XXXX, I drove to my local PNC bank branch in XXXX, FL located at XXXX XXXX Federal Hwy, XXXX, FL. At approximately XXXX I was able to speak with a branch representative in person and she told me that there were no appointments available for the rest of the day and that there was nothing she could do to help. She suggested calling the customer service number that I had earlier called and I would get better service through that channel regarding the fraud that was occurring on my account. Without any success to my repeated attempts to halt the ongoing fraud, I called customer service the following day on XX/XX/2021 to imitate a dispute regarding the 4 transactions which now had been fully processed. Eventually I received a letter dated XX/XX/2021 from PNC that my dispute had been resolved and that the 4 transactions on my account were valid and the dispute had been denied. It should be noted that the letter was well beyond the 10-day threshold as dictated by Regulation E. Additionally, the letter indicates that You have the right to request the documentation we relied on in making our decision. Accordingly, I repeatedly requested the documentation that PNC Bank relied upon in denying the fraud claim. On XX/XX/2021, I received a call from PNC employee XXXX XXXX, and was informed by her that the fraud claim had been denied was final and that there was no information available to be provided or would not be provided with obtaining a subpoena. She indicated that the fraud notes didnt make sense and that the notes indicated the transactions were made on the same IP address. This only appears to further support the fraud claim if the account had been hacked. On XX/XX/2021 I made an appointment to meet XXXX at the PNC Bank branch located in XXXX XXXX, FL to discuss any further actions that could be taken to favorably resolve the fraud on the account. She reviewed the account and the fraud notes and also indicated that the notes were not clear as to why the claim would have been denied. She promised to get back with me, yet I have not received any response. In conclusion, PNC failed to maintain proper controls by allowing a fraudster to open up a new product on my account and within minutes send out 4 transactions totaling {$1000.00} ( which is the daily maximum allowed ). After several attempts on my behalf to stop or minimize the transactions, PNC Bank systematically provided ongoing poor customer service to continue to deny a legitimate fraud claim. Additionally, the bank repeatedly violated Regulation E by not provided timely notice of the fraud decision as well as denying access to the documents used in making their incorrect decision. As a customer of PNC Bank for over 15-years, this level of negligence on the banks behalf is unimaginable and the countless hours I have spent attempting to work with the bank have gone hopeless. Sincerely, XXXX XXXX XXXX | ||||||
| 05/19/2022 | Yes |
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| This complaint is in reference to the official response letter that was received by PNC Bank via XXXX XXXX XXXX dated XX/XX/XXXX in regards to the Consumer Financial Protection Bureau Case Number XXXX. That initial complaint to the CFPB was to have returned to my mother {$11000.00} in scammed funds that PNC Bank stated on multiple occasions did not reach the hands of their customer and now accused felon, XXXX XXXX. During the attempt to retrieve these funds, PNC stated that our held funds were taken by the state ( XXXX ) in what is called 'escheats '. This is the term of when the state takes ownership of abandoned bank accounts or property after a 3-5 year period of abandonment. After my investigating this directly with the State of XXXX, this claim by PNC was confirmed as being FALSE. The state confirmed they never acquired these funds from PNC, and I would like an explanation as to why we were lied to by PNC Bank. PNC stated that they were only able to 'recover ' {$9500.00} of the {$11000.00} in scammed yet frozen/held funds and that amount was provided back to my mother by PNC directly on XX/XX/XXXX. PNC makes absolutely no mention of this recovery or this repayment in their CFPB reply letter of XX/XX/XXXX, and I believe this was not mentioned intentionally! The scammed funds amount of {$11000.00} is mentioned twice in the response letter from PNC, but is NEVER mentioned in the context of PNC having paid this amount back to us. Again, I believe PNC excluded this detail in their reply letter for a reason which I will discuss later in this complaint. After a few more escalations to PNC and promises to them of a legal civil case against the bank and XXXX XXXX XXXX investigative team involvement, did PNC also provide the remaining amount of {$1400.00}. So my mother received the total amount of scammed funds back, which was {$11000.00}. This is the total amount of scammed deposits that PNC Bank confirmed that they were able to freeze/hold the day of the scam XX/XX/XXXX. I wish to receive an updated letter from PNC Bank, with the admittance that they lied to me regarding our frozen funds having gone to the State of XXXX. I would also like to see an apology for this confirmed lie. Also, I would like to see a clear explanation of WHERE/HOW the initial amount of {$9500.00} was, as PNC stated , 'recovered ' and the exact circumstances as to the final {$1400.00} payment they made. I would like in writing that the remaining amount of {$1400.00} are PNC 's funds ( out of their own pocket ) that they are providing to my mother OR confirmation if these are original funds they were able to 'recover " as well. Basically am looking for an understanding if the last amount provided is our original frozen funds or is that last payment amount truly PNC 's own funds and they are providing to us. ( I understand per PNCs message I am not an authorized user of the accused felon 's bank account, I am only asking about my mother 's funds that were held by PNC outside of their XXXX XXXX account once the funds were frozen/held back the day of the scam XX/XX/XXXX ) If I do not receive this updated response letter from PNC with the requested content, I would like the CFPB to investigate what strongly appears to be PNC having tried to keep a fraction of the {$11000.00} in frozen/held funds by lying, using the State of XXXX as a cover story as to where the funds went to, and that the Bank was only able to " recover '' the initial amount that they provided back to us ( {$9500.00} ). Which only after intense pressure on the bank did we receive the remaining amount which the Bank could be now passing off as a 'monetary relief amount to us ' when in reality that last {$1400.00} was our original confirmed FROZEN funds being paid back to us, just now under another lie. I am asking CFPB to get the clarity my family and I deserve here so that PNC Bank can not do this again to other elderly phone scam victims involving PNC 's very open and unsecure ATM deposit policies in the future. | ||||||
| 01/27/2018 | Yes |
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| I attempted to shut down the business bank account owned by my company, which I own 100 % .I opened the account 8 yrs ago and gave permission at the time for an employee who has no ownership interest, to be a signer.Since then, I have discovered the employee is using the account as his own personal account-pocketing the income instead of paying business expenses, using the funds to pay personal expenses, etc.He also has been evading taxes for several years both state and federal.I provided PNC with my legal documents proving my ownership 100 %, as well as recent confirmation of that with NJ Division of Revenue and Enterprise Services.The bank account is owned by my business, which I own 100 % .I advised PNC that the only signatory to whom they are deferring, is only a signer because I allowed him to be several years ago.They would not open the account without my authorization at the time-now, PNC behaves as though by allowing an employee to be a signer on my business account years ago, that I somehow signed away all of my rights as the legal owner of my business.I am the only authorized person able to make decisions regarding my business, which includes the removal of anyone involved in the operation of my business, for any reason, at any time.I went into the branch on Monday morning, XX/XX/XXXX and told them I wanted to shut down my account.I provided documents proving my ownership at that time.Later in the day, I was asked to send the entire Operating Agreement, which I provided Monday evening XX/XX/XXXX, approx XXXX.The next morning i spoke to the baker, who told me that she had been instructed to forward my documents to document review, and that it would take 2-3 business days, and after that I could come in and shut down the account-no problem.Instead, I was ignored and given the run-around, as was this banker, whose earnest attempts to assist me were very much appreciated by me, and at the same time ignored by the higher-ups at PNC, who had her jumping through hoops sending my very straightforward legal documents to multiple departments, who would not answer phone calls or her emails until they got around to it, and when they did respond, it was to send her on yet another wild goose chase to find the right person in the right department to accommodate the client ( me ), that PNC clearly does not give a hoot about, because they are so busy protecting ONLY the so called rights of their other client, who happens to be the only signatory on my business bank account, and who happens to be nothing more than an employee who serves at MY pleasure, and who I have decided in my capacity as 100 % owner of my business to REMOVE, due to his illicit financial misdeeds with my business bank account.Currently, this employee has jeopardized the financial well-being of my business by his willful actions, and put my company and me personally in jeopardy of legal action and financial ruin.Since when does a mere signer on a bank account have rights that supersede the rights of the owner of the business for which the bank account exists? Since when does a mere signatory on a bank account to which he has no ownership rights, suddenly call all the shots and in fact negate the business owner 's LEGAL rights to operate her business in a lawful and transparent manner? It is quite clear to me that PNC is continuing to discriminate against me because they prefer to defer to my ( former ) employee, because he is a XXXX and because his method of doing business is to bully and threaten everyone he deals with so that nobody dares to cross him. I have evidence to prove everything that I have said in this complaint. It is astonishing that PNC will not behave objectively in this matter. I intend to hold PNC liable for any and all of the actions taken by the " signer '' on my bank account, should any further legal or financial damage occur to my business, and to me personally, due to their discriminatory, biased, and illegal denial of my rights to shut down my business bank account. | ||||||
| 05/16/2019 | Yes |
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| I have had a mortgage on the subject property with PNC since XX/XX/XXXX, after having banked with PNC for 20-plus years, moving to Virginia in XXXX and purchasing a small farm in a rural area north of XXXX. At the time of the purchase of the home in question, I was attempting a reconcilation with my ex-wife, and chose to put her on the title. Unfortunately, the reconciliation failed, and we went our separate ways, her to Florida, while I remained in the home in question as my sole residence. Several years passed, and in XX/XX/XXXX, I met and fell in love with a woman who has become my new life partner. We each have our own home, and wish to eventually downsize and move into my home. But first, we decided she should be co-owner and co-signer of a new mortgage on my property. Then we could consider selling her home. The matter was complicated because my former wife 's name was on the title of my property ( this was NOT part of our amicable XX/XX/XXXX divorce agreement -- the purchase of the home in question took place 20 months after the divorce and settlement. My putting her name on the deed of trust was an act of good faith at the time of the attempted reconcilation, which took place coincidental with purchasing the property in question. And importantly, at that time, PNC insisted she be put on the mortgage, as co-signer, as she was co-title holder. We were unmarried, 20-months post divorce at the time, for all intents and purposes, single persons with no legal relationship, no court-ordered or court-inforced financial separation agreement. Then, commencing in XX/XX/XXXX, my new life partner and I began the process of refinancing my mortgage with the goal of removing my former wife from the deed and mortage and putting my partner on the mortgage and deed of trust. We were forced to pause the refi on XXXX XXXX due to extenuating circumstances -- my ex-wife, who was on the title, demanded certain conditions be met before she would sign the quit-claim to the deed of trust. To meet her conditions would take me six months or more. So I put the refi on pause ( see attached letter to PNC ). Then, in XX/XX/XXXX, I notified the PNC case loan officer that I wished to proceed, and on XXXX XX/XX/XXXX, we began the process anew. While the loan officers have been unfailingly professional and understanding of the unusual circumstances that predated this refinance application, the PNC underwriter has displayed, over the past 70 days ( XX/XX/XXXX - XX/XX/XXXX ), a clear prejudice against us, two unmarried individuals who wish to co-sign the refinanced loan. The underwriter has made a series of unreasonable and unwarranted demands for information about my prior relationship and divorce that have nothing to do with the loan application, demanded proof of residency and other off-topic issues, displaying a clear pattern of delay and obstruction, in violation with fair lending practices. Our ability to pay the mortgage is unquestioned -- we have combined assets of over {$1.00} XXXX dollars and a combined income of over {$180000.00} per year, both with stellar credit histories and credit ratings over 800. Of course, PNC has a record of my ontime mortgage payments over four years, and by any standard, clear evidence that my partner and I qualify for this loan ( refinance ). The objections and delays put up by the underwriter have had nothing to do with our ability to repay the loan, they have everything to do with the underwriter 's assumption of fraud on my part and prejudice against us as unmarried, non-cohabitating individual ( we each have our own home ; one owns the home and PNC mortgage in question, the other has a separate residence and mortgage with a different lender, and until we can get both of us one one mortage and deed, we are reluctant to sell the second property and move in together permanently ). PNC 's loan officers refuse to divulge the name or supervisor of the underwriter, making it impossible for us to resolve our complaint directly with PNC. | ||||||
| 04/04/2019 | Yes |
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| Admittedly, we have had an issue with our account in the past 6 months or so mainly to do with timing of payments that were set on auto withdraw. In XX/XX/XXXX, I contacted my bank through the customer service line to see if they could give us the courtesy of maybe refunding a few of the fees we had incurred. They agreed and at the time I was thankful but now, I regret it. On XX/XX/XXXX, I had two ach transactions post to my account, one of which I was expecting and one that was not supposed to come until XX/XX/XXXX, after I got paid on XX/XX/XXXX. This left my account negative XXXX. I knew I was getting paid in the evening of XX/XX/XXXX and I would just transfer money over as I had numerous times in the past. I initiated a transfer via XXXX at approx. XXXX. Apparently, it posted sometime after XXXX, I am not sure of when as I briefly opened my banking app at XX/XX/XXXX and saw that my balance was positive. I opened my app when I woke up on XX/XX/XXXX to check my balance as I had an ACH deposit coming in this morning and saw that I was being charged two overdraft fees for the two ACH withdraws on XX/XX/XXXX. I contacted the bank via chat through their online banking a little after XXXX to find out why this happened. I was informed that any deposits have to be made before XXXX, as that is when the banks day ends. I asked when did this happen because I have done this before and never incurred fees. I also asked why I incurred two fees when I had more than enough to cover one of the ACH transactions. The rep tried to inform me of the different rules but after an hour of her saying give me one to two more minutes to look for it, I found the information. Apparently, if the charges come thru with no time or in a batch as they would from the ACH clearing house, they will process the bigger one first, thus leaving customers to incur more fees. I was told there was nothing that could be done because PNC had so graciously refunded a few fees in XX/XX/XXXX. I proceeded to contact PNC through social media because this was unacceptable to me. While I was waiting for a " Money Manager '' to call me back on my escalated claim, I was going through my account because I could not for the life of me figure out why I have been charged so many fees this week. On XX/XX/XXXX, my balance at the end of the day was {$38.00}. On XX/XX/XXXX, the first transaction of the day was a {$36.00} overdraft charge, the first of 4 for the previous day. After that charge, my balance was {$2.00}. I had three more charges after that. I expanded the explanation of the first charge and found that at the end of the day on XX/XX/XXXX, it was determined that I would be charged 4 overdraft fees for transactions that were pending and did not post to the account until XX/XX/XXXX. So, what I learned today was pending deposits do not count for you but pending withdraws count against you. When the Money Manager called me back, she was condescending and rude. She patronizingly told me that she would refund one of the fees from yesterday since I was never told that the end of the day was XXXX, but that would be it because they had given us a courtesy in XX/XX/XXXX. She also stated this was explained in the terms and conditions that I signed. I was added to this account in XX/XX/XXXX when I married my husband, I was never ever provided any terms and conditions and did not sign anything except the signature card. I called back to the general customer service line to speak with someone higher, and was pretty much told that is as high as I can go and I will not be given any refunds. I should also mention that I was told that the app balance is an " Estimate ''. Uhhh ... what??? The funny thing is the bank can see into the future and predict that all of the pending deposits will actually post but they could not see that I was going to deposit {$1000.00} on XX/XX/XXXX in cash. I feel that I was wrongly charged 4 overdraft fees on XX/XX/XXXX for transactions that did not even hit my account until XX/XX/XXXX. | ||||||
| 10/19/2021 | Yes |
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| I was previously a BBVA USA Customer, which was recently bought by and merged with PNC Bank. In XX/XX/XXXX, my bank account with BBVA was closed for fraud activity after someone attempted to write stolen checks off it. A new account was opened simultaneously. This all occurred after BBVA was acquired by PNC, but before account conversion. In early XX/XX/XXXX, PNC mailed a welcome letter to BBVA customers that included the new routing and account numbers. I updated the direct deposit details for my employer right away to ensure there would be no delays. On Tuesday, XX/XX/XXXX, the day BBVA customers were able to access their new PNC Bank accounts online, I saw there were two open accounts : one to replace my closed BBVA account and one to replace the new BBVA account. I also noticed that the PNC account number that replaced the closed BBVA account was the only number given in the welcome letter from PNC. I thought this peculiar, but I double checked the letter from PNC to confirm that was indeed the account number they provided for direct deposits, and it was. The welcome letter gave assurance that there would be no interruptions to direct deposits, even if I did not provide my employer the new account number. Based on a previous experience the weekend of the conversion, I was aware that calling customer service would mean very lengthy wait times. Taking these facts into consideration, I decided against calling PNC at that time. It seemed implausible they would have provided me a closed account number in the welcome letter. And even if the account were indeed closed, surely someone would notice their mistake and re-route the deposit or at least attempt to contact me. Come Friday morning, XX/XX/XXXX, my deposit was not in my account and I was on the phone by XXXX, four minutes after the customer service center opened. After holding for well over an hour, the agent who assisted was unable to locate the deposit AT ALL, let alone in either of my accounts, even with all the relevant details. The agent entered an escalation ticket and told me someone would be in touch with me within 24 hours. I continued calling throughout the day, hoping to reach someone competent who would be able to help me or at least direct me to the exceptions department. After speaking with at least five agents, by the end of the day not a single person was able to locate the deposit or give me any answers whatsoever. One person did attempt to route me to the exceptions team. I was told by them that they do not take calls from customers and that the agent should have contacted them on my behalf rather than routing my call to them. Then they hung up on me. At about XXXX local time on Saturday XX/XX/XXXX, I got a voicemail from XXXX XXXX on the escalation team. I returned the call by XXXX and left a voicemail. Her voicemail greeting states that she will return all calls within 24 hours. I called four more times throughout the day hoping to reach her. I also called customer service hoping someone else may be able to reach her or someone on her team internally, but again got nothing. I did not hear back from her finally until XXXX local time on Monday XX/XX/XXXX. At this time she disclosed that the deposit went to the exceptions team, but because the account it was routed to currently has a fraud hold there is no way for them to re-route the deposit. Under normal circumstances, she could submit a request to release the hold within 24 hours, but that department is currently advising a week long turn around time so it would be pointless. In the end, there was nothing that could be done but wait for my employer to get the returned deposit and reissue the payment again, which won't happen until Friday XX/XX/XXXX. There was no attempt made to make things right at all. I asked repeatedly for some sort of temporary credit so I could at least get food, but was refused. This is all completely unacceptable. PNC dropped the ball multiple times and is making no effort to correct. | ||||||
| 08/24/2021 | Yes |
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| In XXXX I purchased a XXXX XXXX from XXXX XXXX in XXXX, Pennsylvania. The interest rate was negotiated, and with my excellent credit score, they said the best they could get was 3.77 % from PNC for a 60 month loan. I signed up for the loan and began paying auto payments every XXXX day of the month. For two years these auto-payments came out perfectly on time just as they were supposed to. On XX/XX/XXXX, I called PNC to inquire about increasing the amount of my auto-payments and what steps I could take to pay a large portion towards the principle to pay the car off sooner. My first child was due to be born in XX/XX/XXXX and I wanted to make sure that these payments were secure. I spoke with PNC representative named XXXX for a substantial amount of time on these topics, and he assured me that I would be able to do this. At no point in my conversation did XXXX express to me that my auto-payments were scheduled to end the following month or guide me in a way that would make it apparent to both of us, since this was the nature of my call. During the call, I was under the impression that everything was handled and I could trust PNC to continue with the auto-payments as they had for two years. On XX/XX/XXXX I was alerted by my XXXX credit card app, which tracks my credit score, that my credit had gone down 100 points because of a delinquent car payment. This was a shock to me as I had just been on the phone with them in XXXX, and I believed that these payments would be secure until the maturity of the loan. I quickly called PNC to remedy this and tried to find answers. After talking with one representative XXXX who seemed equally confused as to why these payments would end abruptly with no warning. There is no documentation I can find that states XX/XX/XXXX as the end date to my auto-payments. The only alert I received came as a notice of default that was sent by PNC on XX/XX/XXXX. I was then escalated to a separate team, where a woman named XXXX XXXX was supposed to help me. Although she could not answer my questions at the time, she said it would take 24hrs to get a full report of my history of payments. She also stated that she would listen to the recorded conversation with XXXX I had leading up to this discontinuation of auto payments. Mrs. XXXX stated that she would call back at XXXX XXXX the following day. I never heard back from Mrs. XXXX after that, and have subsequently been passed through the ranks of escalation retelling my story, and trying to find answers. I was eventually passed up to a representative named XXXX XXXX who assured me that this was my mistake. She tried to tell me that I had scheduled the payments to end in XXXX XXXX two years before the maturity of the loan. When I voiced to XXXX that I believed I was being treated unfairly, she quickly ended the conversation by escalating me again to the Executive client relations team. I was escalated again to a representative named XXXX XXXX, who helped explain to me that credit bureaus are alerted automatically when their system is alerted that an account has missed a payment. She assured me that PNC can only take back a claim of missed payment when they find a bank error, and in PNCs eyes there has been no error. I am claiming that : PNCs date of auto-payment discontinuation was not accurate. I was misled to believe these payments would continue through the maturity of the loan. I sought assistance in maintaining this car loan, and was misguided by a PNC representative to the detriment of my credit score. The only alert I was given came in the form of a Letter of Default which was sent on XX/XX/XXXX. This did not give me adequate time to remedy the situation before my credit score was brought down 100 points. As a XXXX XXXX, with a XXXX XXXX XXXX, in search of a mortgage to buy a house, this mistake has significantly stifled my ability to obtain a fair and affordable loan. I hope this will document my efforts to rectify an unfair delinquency on my credit report. | ||||||
| 09/14/2021 | Yes |
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| I took a used vehicle loan from BBVA in XXXX of XXXX for a XXXX XXXX XXXX. At that time, I was using a XXXX bank account to automatically pay the loan each month. I made on time payments every month. Around XXXX of XXXX, I switched banks to XXXX and continued making on time payments. In XXXX of XXXX, I traded the car at a dealership for a different vehicle. At the time of purchase, we obtained a 10 day payoff amount of {$8200.00} from BBVA. The dealership continued with the transaction and I drove off in my new car. After about a week, I checked my BBVA banking app to see that my loan balance was unchanged. I called BBVA support and they recommended I call the dealership. I called the dealership and was told they have a 20 day payoff policy. I thanked them and continued to wait. I then saw an " Unapplied Pmnt Amt '' in my account for {$8200.00} dated XX/XX/XXXX. I assumed this was the payment and it just needed to process. I gave it a week of so before calling BBVA to figure out what happened. This was on the XXXX of XXXX, XXXX. The informed me over the phone that they were unable to collect the payment, which is why the amount had not been applied. I called the dealership to inquire about this and was provided with a scan of the check they wrote to BBVA. The check was dated XX/XX/XXXX and in the amount of {$8200.00}. I then called BBVA back with the new information. At this time, I was told something different. At this time I was told that the 10 day payoff had expired on XX/XX/XXXX ( a Saturday ) and that the check was not applied to the loan because the payoff amount had changed. They also informed me that the dealership should have called for a new payoff amount. I was not sent any communication about this issue from BBVA and they continued to let the check sit unapplied to the loan. Upon another call to the dealership and yet another call to BBVA it was then explained to me that the payoff amount quoted on the XXXX was inaccurate because BBVA had attempted a payment from my XXXX account, which did not go through and was returned on the XXXX. I have a record of this in my banking app, however, it is dated the XXXX. They then stated that I would need to have the dealership request a new payoff amount. I did this. The dealer called, spoke to someone and was told they would have a fax in a bout an hour. Several hours later, the dealership called me to inform me they had not received the fax. They asked if I would please call BBVA and get the payoff amount so they can fix their end of the situation. I called BBVA only to be told that they have processed the request, but that it may take up to 3 days. Because they have processed the request, they are unable to provide me withe the payoff amount over the phone. Unless, of course, I am able to pay the entire amount over the phone. I informed them that was not a possibility as I was not the one paying off the loan and I did not have $ XXXX of my own money to pay off the loan anyway, at which point the representative told me the payoff was not $ XXXX. He would not tell me what it was, however, unless I paid it in full over the phone. I spoke to a supervisor earlier in the day and requested to speak to that supervisor again. I was told that was not possible as I had already spoken to a supervisor. I was then placed on hold, told the same thing I was told previously, at which point I requested to speak to the supervisor again. This time, after being placed on hold, I was told the supervisor was with another customer. I said I would wait. It was explained to me that the supervisors are very busy. At this time I am writing this, I have been on the phone for 60 minutes and been asked 5 times to hold for 2 more minutes. This is because I told the representative I wanted to be transferred or he would have to hang up on me. What should have been a simple process has been turned into a stressful and frustrating experience that is preventing the new owner of my car from receiving their title. | ||||||
| 04/30/2019 | Yes |
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| I have a mortgage with PNC. My house is owned by myself and my brother. My brothers wife was paying the monthly payments ( which are in my name ) and she decided to call PNC and change my personal information, i.e., mailing address, email address and phone numbers. The house payment was not paid for several months. I claim the house for tax purposes. In XX/XX/XXXX, I was filing my taxes and did not have the 1099 to claim the interest on the house. It was then, I found out that PNC let all my personal information to be changed - they have admitted they could see by the telephone number and the voice recordings it was not me. PNC told me my address and all personal information was changed in XX/XX/XXXX. Since I found out about the breach of my personal information being compromised, I have been trying to work with PNC to fix this. I am retired on XXXX retirement, I have filed a modification with PNC and they have turned me down. I have made two payments in XX/XX/XXXX and one payment in XX/XX/XXXX trying to save my house. I have a tenant living in the house and Housing paying the mortgage and a second mortgage attached to the house. Please see below an email I sent to the CEO of PNC pleading for his help to correct this and remove it off my credit. I had perfect credit and would not do this to myself. " I spoke with XXXX XXXX and XXXX XXXX of PNC yesterday [ XX/XX/XXXX ] ... which got nowhere. XXXX said they ( PNC ) report factual information to the credit bureaus and can not remove it. That is not true ... for one ... it was not factual, second my information through PNC was changed or compromised. PNC did not protect my personal information. Third. THE INFORMATION WITHIN THE CREDIT BUREAUS can be changed. They are not government regulated.. I also have a dispute filed with them against PNC. I will also file a complaint with Consumer Finance ... as the Federal Reserve told me PNC is regulated by Consumer Finance. I want to speak with XXXX XXXX [ CEO of PNC ] .. or I will reach the national news about my issue with PNC . The investor is also involved as if now. XXXX stated yesterday they don't know if I basically did this to myself ... PNC can not prove it. I did not change my personal information. PNC has the erroneous phone numbers and the phone recording.. that is NOT ME. XXXX told me my mail was going to a P.O. Box in XXXX XXXX. Md ... I have a street address in XXXX Md. I WANT THIS OFF MY CREDIT AND A MODIFICATION. I put in for a modification and as of yesterday I'm being told I would have to file again ... This has been going on since XX/XX/XXXX ... since I found out about it. As of XX/XX/XXXX the payments are being made ... I have a tenant in there with a lease agreement ... Housing is paying it and there is a second mortgage attached to the house. If this forecloses the INVESTOR will lose about XXXX. Plus Federal Reserve told me PNC will have to honor the tenants lease ... which was just signed. Plus second mortgage attached to the property. I WANT TO SPEAK WITH XXXX XXXX or this will be national news .... STOP PASSING THIS ONTO OTHERS IN PNC ... I want this fixed ... .off my credit and a modification. '' I told PNC, Ms. XXXX I was going to file a complaint with Consumer Finance and she said that it would come to her and she would reply that I ( XXXX XXXX ) was basically at fought. My information was compromised, changed, and PNC let it happen, and now I have bad credit and may lose my home. I also have emails from PNC stating the were able to find the recordings and phone numbers of the person who compromised my information. Also, Ms. XXXX told me my credit has been sloppy with PNC since XX/XX/XXXX, I provided copies of my XXXX credit report dating from XX/XX/XXXX to present. Her accusation was incorrect as to my credit. My mail was sent to 2 different addresses. I will attach it along with a copy of my credit with this account. Someone please help me get my good name back - my credit and save my house. | ||||||
| 04/03/2015 | Yes |
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| XXXX XXXX I moved out of state for an employment offer that would allow me to be close to help with my mother who is dealing with XXXX .I have been working with PNC Mortgage since XXXX XXXX for a resolution concerning my mortgage. I tried to sell the house as " for sale by owner '' on the MLS since XXXX. Listed with XXXX as a short sale in XXXX XXXX, PNC denied the short sale deal. I then worked on attempting to have them approve a Deed in Lieu for my property. I have submitted XXXX hardship packages to PNC Mortgage, XXXX of them to obtain a Deed In Lieu. Each time they have found a reason to deny it. My latest attempt was in XXXX XXXX I was told that I was in-line for a " streamlined '' DIL and that I would have to send in the Uniform Borrowers Assistance Forms but no other documentation would need to be submitted ( i.e. : pay stubs, bank statements, tax returns, XXXX form, etc. ). I submitted the forms and hardship letter as requested on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX I was told by XXXX that they had received my package XXXX, no additional documents were needed and could take 30 days to review. On XXXX/XXXX/XXXX I received a phone call and follow up email outlining my conversation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with PNC Mortgage. She advised that she would have to close my file until my son who occupied the property had moved out and then I was to email her and she would " reopen the file and finish with the DIL ''. she also stated " once your son has moved I will then order the final inspection to be done at that time ''. I tried to email XXXX XXXX on XXXX/XXXX/XXXX but received a message back from the postmaster at PNC that my email could not be sent. XXXX/XXXX/XXXX I talked to XXXX and he stated my file was active in DIL review, we discussed emails I attempted to send to XXXX XXXX and was told she had left the company, that they had closed their XXXX location and all loss mitigation was now handled through their XXXX office. I was told I needed to clear liens on the property for the DIL and started working on that. XXXX/XXXX/XXXX XXXX called me to tell me file was closed due to the liens on the property and for me to fax the PNC Bank charge off letter along with my homeowner 's association dues XXXX paid statement and then ask for the file to be reopened for a " streamlined '' DIL. I faxed this information on XXXX/XXXX/XXXX and requested file to be reopened. XXXX/XXXX/XXXX I called talked to XXXX and he verified that they had received the documents on XXXX/XXXX/XXXX and the file was active in loss mitigation and was sending to a rep to process/review for the streamlined DIL. XXXX/XXXX/XXXX I called talked to XXXX who told me still pending DIL review. I advised that property would be vacant and cleared out on XXXX/XXXX/XXXX as requested in the emails from XXXX XXXX. Was told they would do their final inspection after this date and make their determination on the DIL. XXXX/XXXX/XXXX I talked to XXXX and was told file was closed XXXX/XXXX/XXXX " in error '' and was told that they would reactivate for a streamlined DIL. XXXX/XXXX/XXXX talked to XXXX - he stated that there was never an error in closing the file. He stated file was closed because I did not submit pay stubs, bank statements, etc. and he felt I was given wrong or misinterpreted information that was given to me and my only option now was to submit an entire hardship package for the XXXX time! XXXX/XXXX/XXXX I called for further information since all prior information, emails, etc seem to be a lie in order for me to clear the liens. They tricked me into spending money I do n't have to fly to XXXX to clear out the property and leave it clean with the promise of a DIL just to turn around and deny it. I talked to XXXX on XXXX/XXXX/XXXX and she stated that I did not qualify for a streamlined DIL due to my credit and that the streamlined DIL was set up in error by the Loss Mitigation Dept. See documents attached for details, notes and correspondence | ||||||
| 03/30/2023 | Yes |
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| I previously filed a complaint on XX/XX/2023 regarding PNC Bank. The very next day XX/XX/XXXX I was contacted by XXXX so that she could hear exactly what was going on with the account. I expressed my concerns and the urgency of our account being back in good standards and our company not being able to receive any of the payments that are sent to us. I even informed her of the stop payments that were never placed on the account since XXXX. She told me she would need until the next day to make sure she could dispute all of the charges that were made on our account and provided me with her contact information. The next day XX/XX/XXXX I received a call from XXXX and was told that all disputes were denied and that she would go over the calls to see if she could assist me further. I asked if the stop payments were placed and she told me no. I was appalled, she didnt place the stop payments, the stop payment I submitted online didnt go through, and the several representatives I spoke with didnt submit the stop payments either. She told me she would reach out on Tuesday to provide me with an update and that I should be receiving some explanations in the mail. I didnt receive a call or email yesterday so today XX/XX/2023 I visited one of the branches located in XXXX XXXX IN. When I arrived a XXXX XXXX greeted me and asked what she could help me with. I explained to her that I needed to change my business bank account number because itll continuously being charged causing us to not be able to get out of overdraft and that stop payments were never placed on the account. I explained to her that I spoke with XXXX over the phone and that she was supposed to get back to me on Tuesday XX/XX/XXXX but I hadnt heard anything from her. She told me that letters were mailed out to our business in XX/XX/XXXX and asked had I received them and i informed her that I didnt. She told me the usual process is to close the account down and start a new one but she couldnt help me until the account was out of the negative and that I needed to reach back out to the corporate office. She read some of the notes out loud to me and scheduled an appointment for me to come back in next Friday and state hopefully everything will back on track by then. Previous complaint : On XX/XX/2023, I placed a stop payment for two separate amounts of {$440.00} and {$1800.00} through PNCs online business banking using my desktop computer. On XX/XX/2023, I noticed the amounts were still being deducted from my account. I reached out to PNC via phone and spoke with a representative, who informed me that the charges should fall off and if they still appeared the next day, to give PNC a call back. On XX/XX/2023, I reached out to PNC to speak with someone and was told by a representative by the name of XXXX that the transactions would reverse. If not, I would need to file a dispute. On XX/XX/2023, I called PNC to see if anything else needed to be done and to ask about the stop payments and was told there werent any stop payments on the account. The representative filed a dispute for one of each transaction and didnt provide me with any other feedback other than that PNC needs to investigate. The account has now been charged {$7100.00} from one company and {$5600.00} from the other company. No stop payment was placed on the XXXX either, and Im assuming that the account will continue to be charged. I called in again on XX/XX/2023, and received no help. The representative could only see two items that were disputed and informed me that they were still under investigation. We are continually having issues with being charged several times for many different transactions, including company utility bills and overdraft fees. The stop payments are still not in effect and we've exhausted all of our options and are needing help. With all of the confusion within the account, we believe it will never be in good standards, and we'll never be able to develop a great relationship with PNC. | ||||||
| 07/31/2020 | Yes |
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| Two escrow accounts were established by PNC Bank Mortgage for the Conventional loan. 1. Initial escrow account beginning XX/XX/XXXX XXXX. Escrow/Shortage Account beginning XX/XX/XXXX The results of the Aggregate analysis conducted " before establishment '' for the Initial Escrow Disclosure Statement as required by Federal Regulation 12 CFR 1027.17 affirmed by the Federal Deposit Insurance Corporation ( FDIC ) compliance manual is requested. Disbursements for the initial escrow computation year period XX/XX/XXXX thru XX/XX/XXXX estimated XXXX Unimproved Property Taxes {$320.00} Hazard Insurance {$1200.00} estimated XXXX Improved Property Taxes of {$6600.00} Please provide the " periodic payment '' calculations ( {$440.00} ) by the Aggregate Analysis and the " amount to be deposited '' ( {$1000.00} ) before establishing the escrow account with supporting source documents. XX/XX/XXXX the Initial Escrow Computation Year Period by Federal Regulation ( 12 CFR 1024.17 ( b ) was unlawfully REDUCED by PNC Bank Mortgage from twelve ( 12 ) months to five ( 5 ) months and a new escrow computation year period began XX/XX/XXXX thru XX/XX/XXXX for 12 months. The Escrow Analysis and Trial Running Balance is requested which INCREASED the Total actual improved XXXX property taxes from {$2600.00} t the loan settlement to {$3300.00} as the alleged new Total ACTUAL annual improved property taxes disclosed to be disbursed XX/XX/XXXX. The monthly property tax escrow DEPOSITS were REDUCED although the TOTAL CHARGES for annual AND XXXX estimated improved property taxes INCREASED. THE WRITTEN EXPLANATION IS REQUESTED. To VERIFY the above changes in the escrow account PNC Bank Mortgage processed a {$1300.00} refund from the escrow account. XXXX XXXX the escrow account was INSUFFICIENT {$3600.00} AND WOULD XXXX EACH ESCROW PERIOD FOR 30 YEARS AS INACCURATE INSUFFICIENT MONTHLY DEPOSITS WERE DISCLOSED BEFORE THE LOAN, T SETTLEMENT, IN SERVICING THE LOAN AND AFTER THE ACCOUNTING ERRORS WERE DISCOVERED XXXX XXXX XX/XX/XXXX WITHOUT DISCLOSING THE ACCOUNTING AND LOAN DOCUMENT ERRORS TO CONSUMERS APPARENTLY BY THE AUTOMATED LOAN AND DISCLOSURE COMPUTER SYSTEM OF PNC BANK MORTGAGE. Disclosed inaccurate XXXX and XXXX annual property taxes estimated and actual disclosures to Consumers prior to the loan, for loan settlement documents, Aggregate Accounting document ( not disclosed to consumers ) Initial Escrow Disclosure Statement, the HUD-1 Settlement Statement of alleged ACTUAL BEST AVAILABLE PROPERTY TAX CHARGES AT THE LOAN SETTLEMENT BY EVIDENCE HAD BEEN INACCURATE PROPERTY TAX CHARGES INCORRECTLY DISCLOSED ON ALL LOAN DOCUMENTS BEFORE THE LOAN SETTLEMENT. Why was the escrow account INSUFFICIENT and monthly escrow deposits INCREASED {$1100.00} PER MONTH WITHOUT EXPLANATIONS- THE PROPERTY VALUE HAD DECREASED, THE EXEMPTIONS HAD INCREASED TO BENEFIT CONSUMERS, THE FIVE TAX RATES WERE VIRTUALLY UNCHANGED. NOT PAYMENT SHOCK AS DEFINED BY HUD/CFPB. XX/XX/XXXX THE ESCROW/SHORTAGE ACCOUNT was established by PNC Bank Mortgage. The results of the Aggregate ANALYSIS conducted apparently " BEFORE THE ESTABLISHMENT '' OF THE NEW Escrow -Shortage Account as required by Federal Regulation 12 CFR 1024.17 as affirmed in the FDIC compliance manual is requested y the consumer for EACH ESCROW PERIOD as it appears EXCESSIVE FEES were UNLAWFULLY EMBEDDED IN THE ESCROW SHORTAGE ACCOUNT. The accurate completion of the Aggregate Analysis and Aggregate Trial Balance will disclose the accounting Violations The Aggregate Analysis and Aggregate Trial Balance Statement is requested for each change in monthly escrow required deposits for the loan. {$700.00} = 1 periodic escrow computation period payment {$640.00} = 7 periodic escrow computation period payments {$980.00} = 3 periodic escrow computation period payments {$980.00} = 7 periodic escrow computation period payments Intention Violation of 12 CFR 1024.17 and 12 U.S.C. 2609 ( a ), ( c ) ( 2 ) ( A ). | ||||||
| 05/07/2018 | Yes |
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| This is a complaint about PNC Mortgage who grabbed our money and is refusing to return it. We are a hard-working family. We pay our bills and definitely pay our mortgage on time ALWAYS! PNC unfortunately holds the mortgage on our primary residence. Our Property/Real Estate Taxes and annual Homeowners Insurance are in an escrow account with our mortgage lender- PNC . We are stuck with them. We paid off our original mortgage and refinanced our home through a Broker. PNC then bought our mortgage. We are being bullied by PNC! Like many Americans we chose to take money from our Savings and pre-pay our Real Estate taxes prior to the end of XX/XX/XXXX -- pre-pay 1st Installment of Real Estate taxes due in XX/XX/XXXX. We did this in order to obtain an Income Tax deduction benefit. We contacted PNC Escrow Department prior to pre-paying our Real Estate Taxes. and they assured us that we would retrieve our money directly from PNC /Escrow Account that they were holding. They said that " once they verified that we pre-paid our taxes they would then use the Escrow money to pay us directly '' We paid out of pocket a total of {$5000.00} directly to XXXX County. It took 5 phone calls, 4 faxes of receipts from XXXX County and a local Branch Manager to finally get PNC acknowledgement of the fact that we pre-paid our Property Taxes. Finally our check came from PNC mortgage escrow department -- -- however for only {$4100.00}. There was a shortfall of {$880.00} They kept {$880.00}. PNC ALSO increased our monthly payments by {$120.00}. This was due to a shortfall of {$1400.00} in our Mortgage Escrow Account ( taxes and insurance went up ) PNC grabbed OUR money that WE paid out to the county AND raised our escrow monthly payments Both were done ostensibly to cover the SAME shortage in the escrow account. On XX/XX/XXXX I spoke to XXXX XXXX to report the problem She told me that they did not return all of our money because of the Escrow Account shortage. I reminded her that PNC holds 2 extra months of escrow money and they are not actually short in the account. She said that the extra escrow money held by PNC is for " PNC and not for me. '' She also said I would need to pay a penalty to manage my own Property Taxes and Insurance payments. She said that we agreed to pay a penalty to manage my own payments when we closed on the loan. A letter dated XX/XX/XXXX from XXXX XXXX/ Officer Consultant Executive Client Relations came stating that they were assessing the problem and I would receive a response within 30 days. On XX/XX/XXXX I spoke directly with XXXX XXXX and again explained the issue of grabbing our money AND forcing us to pay extra to cover the same escrow account shortage. She readily verbalized understanding and would discuss it with her superiors and get back to me. I did not hear back from XXXX XXXX until XX/XX/XXXX. Long after the 30 day mark - stated to resolve this of grabbing our money. She said that there was nothing to do about it. I once again requested that she send me a copy of my agreement to allow PNC to Escrow my Insurance and Property Tax payment OR pay a penalty. As a result of PNC grabbing our money, we are unable to make College Tuition Payment for our son. We are obviously waiting to speak with someone who can help us understand why it is OK to bully us into paying 2x for escrow shortage. We are trying to understand why PNC can withhold 2 extra months of escrow money ( without interest on our money ). We have paid on time since the inception of the loan. We are again bullied into having to pay a penalty for wanting PNC to give over the reins of payments toHomeowners Insurance and Property taxes. Why won't they send us a copy of our signature at Loan Closing that shows that we will have to pay a penalty if PNC does not manage our escrow. We are sorely unhappy with PNC 's management of OUR money. My son 's college is very very important and we have no one to talk to .... Please help us | ||||||
| 07/23/2020 | Yes |
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| PNC Bank, with whom I was a customer for over 20 years, closed my checking account after assessing month after month of discriminatory, predatory " account maintenance '' fees until I had a NEGATIVE balance -- which it then tried to collect from me. PNC has been doing this to customers who carry a monthly balance of less than {$500.00} in their checking accounts and don't have direct deposits over a certain amount each month ; in other words, they do this to people who are already stretched thin financially. This is an unfair and unscrupulous practice under any circumstances. But to do this to people over the past 5 months -- during the COVID crisis, when so many people have lost their incomes -- is unconscionable. PNC helped itself to the little bit of money that remained in my checking account, until there was not only nothing left, but LESS than nothing left. They had drained my account to $ XXXX in XXXX, and then they charged another late fee in XXXX so that it was drained to around $ XXXX. Then on XX/XX/XXXX, they closed my account without my knowledge or consent. I discovered this when I tried to log into my account online, and use the telephone banking system, and was denied access. When I got through to PNC today, the person to whom I spoke asked me for my account number, after which she said she needed to redirect my call to another department. I was thinking that perhaps someone had fraudulently tapped into my account and changed my PIN. The person to whom I was redirected asked me a couple of questions to confirm my account and then said, " This is an attempt to collect a debt '' -- which confounded me, as I hadn't used my checking account in months. Of course, I had forgotten about the " maintenance fees '' of {$25.00} per month. My call had been redirected to the internal COLLECTIONS department. I am incensed that PNC has gotten away with charging this high fee in a discriminatory fashion, first of all. They NEVER should have been allowed to do this in the first place. I am also disgusted that they took my money until there was not only nothing left, but LESS than nothing left, and then closed my account without my knowledge -- so that at the age of XXXX I not only have no bank account, but can not even access any of my financial information from an account I have held with them for 20 years! How can a financial institution be permitted to treat people so terribly? How can they get away with charging people {$25.00} per month just to keep a checking account open when the most it could possibly be costing them to do this might be a few XXXX a month ; and moreover, how can they be permitted to engage in this practice during the COVID-19 crisis, when half the people in this country have taken a serious hit financially while banks like PNC have been given special breaks by the US Government? I am fed up with being treated like garbage by banks and corporations that are only in business because of the many loyal customers with whom they started out ... .the " little people, '' like me. When people fall on hard times, our financial woes should not be compounded by banks -- especially when we have been loyal to those banks when times were good! I am asking you to PLEASE investigate, hold PNC accountable for its wrongdoing, and initiate a call to justice not only for me, but for thousands of other customers who have been treated this way by PNC and other crooked US banks. Customers are supposed to be able to TRUST their banks to keep their money safely stored. Instead, banks like PNC are bleeding people 's accounts dry and breaking their spirits in the process. PNC 's message is clear : Not only are you completely worthless to this institution ; we are so confident that you will continue to be worthless to this institution in the long run that we did not give a second thought to burning a bridge with you. '' Even after a 20 year relationship ... There are XXXX and XXXX with more integrity. | ||||||
| 07/17/2020 | Yes |
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| On XX/XX/20 I discovered fraudulent purchases on my bank account dated back to XX/XX/20. I noticed my balance in text alerts was getting low and logged on to see the actual balance, It was after customer service hours, so I froze the card to prevent further charges. I attempted to call a XXXX in XXXX, PA where it said the card was just, but the employee told me there are multiple XXXX gas stations in XXXX, and he didn't see any receipts with the last 4 of my card number. The following day XXXX called my bank at the local branch on XXXX XXXX in XXXX, PA, and I was able to submit a dispute for the charges that were not pending. The bank issued the funds immediately as credits and credited in my account. I was instructed to include all charges I thought were fraudulent, even if I was not sure. The bank also refunded me for two overdraft charges that were charged that morning ( XX/XX/20 ). The woman also informed me I would need to call back to dispute the pending charges on my account. I was able to go down to the bank through the drive through ( COVID-19 restrictions ) to get a new card, which I did that day. I called back and disputed the pending charges once finalized on XX/XX/20 and informed her of one error of charges I included in the dispute. On XXXX, 6 I opened letters from PNC informing me the dispute was denied and they would reverse the credit on XX/XX/20. I called the bank that Monday, XX/XX/20 and they informed me there were no notes on the denial and I could refile the dispute. I refiled the dispute that date and was notified the following week it was again denied. I called the bank 11 times on XX/XX/20 and could not get through, so I went through the drive thru. The manager stated he would need to review and call me the following date. I received a call from him on XX/XX/20 stating they denied because of chip card purchases and said the file said I know the person who may have done this? This was all baffling information to me and he instructed me to call and talk to corporate for more information. I called corporate and filed a complaint for a worker to return my call within 48 hour to which they did on XX/XX/20 informing me they are denying the claim because my chip was inserted to make the purchases. I informed him that was impossible because I had the card in my possession the whole time and I had accidentally included a {$5.00} charge for a medicine I paid for over the phone, which registered as another state. I offered the bank information from my work showing hours I was clocked in at work and questioned how I could use my card in XXXX and XXXX oXXXX XXXX XXXX at the same time. I asked for a report of the times of purchases so I could provide the verification of my location and was told they could not produce one. I requested to know how they conducted the investigation, because any camera would show it was not me on the footage. He would not provide an answer to that. I told him it could not be chip card purchases when I had accidentally included that {$5.00} which was a phone payment. He was rude and degrading and told me I should have never included charges I was unsure about and that there is little chance this would changed. He told me to call corporations like XXXX and XXXX XXXX headquarters and request their security footage. I do not believe a corporation is going to release a security camera footage to a random person calling and requesting. I was very upset and my sister called back PNC with me and I refiled a complaint for someone to return my call to try to figure out how to provide proof and get answers in addition to the information I need to have my funds returned. I never received a call back from PNC on my complaint. PNC has obviously not conducted a proper investigation and has refused me of financial documents used to make their determination. They all kept me in the dark thinking this was the only way, not providing a transparent answer and withholding information. | ||||||
| 02/19/2021 | Yes |
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| XXXX XXXX XXXX made an unauthorized ACH debit to my PNC Bank checking account ending in # XXXX in the amount of {$380.00} back on XX/XX/2020. The following day, XX/XX/2020 I informed my bank relationship manager at PNC Bank, Mr. XXXX XXXX of the unauthorized debit. I also called XXXX XXXX but could not get through to a human being until XX/XX/2020, at which time I spoke with someone in billing who could not figure out why my bank account was charged the {$380.00} ( it is completely unrelated to us ). She said they would be crediting my account but it might take a week or two. I let it go, assuming the credit would come back into my checking account. Turns out it never did, and then on XX/XX/2020 they did the same thing again and took another {$190.00} out of the same account, also completely unauthorized by me. ( We do not have any business directly with XXXX XXXX by the way ; nothing at all. ) I brought it up again with Mr. XXXX, and at that point I again asked PNC to formally dispute the new charge as well as the old one. He recommended I try calling XXXX XXXX again. After numerous attempts, in early XXXX I finally got through to a person at XXXX XXXX ( took hours of time on hold and going through automated menus ), but I finally got through to XXXX ( Employee ID # XXXX ) case ID # XXXX. XXXX confirmed she identified both of the unauthorized ACH debits they took from my PNC checking account, and agreed those were not charges that should have been taken out, as they applied to some other company that apparently gave them my bank account number. She said since she identified the client that should have been billed and saw they used an improper bank account number, XXXX XXXX would fix this and would definitely credit back my PNC checking account XXXX. She said it might take 3-5 business days but that it would definitely be done. I waited another week, did not see any credit, but instead received a letter from PNC Bank saying they would not be crediting my account because after " investigating '' they found " no error occurred ''. I immediately tried calling Mr. XXXX, who did not answer, so I emailed him. He responded that I can just ignore that letter as he looked into it, and XXXX XXXX was supposed to be crediting my account, so everything will be fine. So I waited another couple of weeks, still no credit. So I wrote Mr. XXXX at PNC again, but no answer. So I wrote him again a few days later, but still no answer. This morning I called XXXX XXXX and after almost an hour got through to a human, someone named XXXX who escalated me after a 20 minute hold to someone named XXXX, a manager in Resolutions ( Employee ID # XXXX ). XXXX looked up the issue, found the unauthorized ACH debits from my PNC account, admitted that those were taken out of my bank account for someone else 's utility account, but despite that, she told me they will not be refunding my money. She said they never refund money, ever. It must be done through a bank dispute, according to XXXX. I pleaded with her because we did file a dispute with PNC Bank but she said all I could do would be to complain to PNC Bank. She said again XXXX XXXX will not be giving me my money back. ( This was the first time anyone form XXXX XXXX said any such thing ). I called PNC once again, got through to someone in Customer Service named " XXXX '', who looked it up and said that PNC Bank will not do anything to get my money back " because by now it has been more than 60 days since the unauthorized debit ''. Obviously this is grossly unfair. Nobody at PNC Bank until today, more than 4 months after the unauthorized ACH debit, ever told me anything about a 60 day rule. If they had, I would have been persisting in disputing and following up on the dispute in XXXX and XXXX. To the contrary, PNC originally ( and many times thereafter ) told me not to worry, it would be fine. Only now are they saying they will not address it because it has been more than 60 days. | ||||||
| 08/16/2017 | Yes |
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| To Whom It May Concern : Please help me resolve a very troubling issue with PNC Bank regarding my home equity loan application. I believe they have denied my loan because it is a rural property. They have stated they are just not comfortable with the property even though the property meets all guidelines for condition. I do not know what to do and can not get a straight answer. This has had a major impact on my life as we have not been able to move forward with planned upgrades to the property. Please see below a timeline of events that have occurred to this point. XX/XX/XXXX Started Home Equity Loan Application prior to closing on a cash purchase of a home XX/XX/XXXX Signed closing docs for new home and paid cash for home XX/XX/XXXX Title for new home transferred with county XX/XX/XXXX Informed by PNC representative that my home qualified for a desktop appraisal and the results would be in by XX/XX/XXXX XX/XX/XXXX Informed by PNC representative that because the home is on more than 5 acres, it was upgraded to a full walkthrough appraisal XX/XX/XXXX Full walkthrough appraisal completed XX/XX/XXXX Informed loan was denied because appraisal stated home is vacant. Had not received a copy of the appraisal report yet. Shared with lender that was not accurate, home is occupied and I had provided proof of residency. Offered to provide any additional information needed to correct error. Requested copy of the appraisal and was told it had been mailed on XX/XX/XXXX. XX/XX/XXXX Received loan denial letter and copy of the appraisal. The appraisal stated on one page the home was vacant and on another page that it was occupied. The appraisal envelope was not postmarked so not able to determine when it was actually mailed. Lender appealed the denial and sent appraisal back for correction of the conflicting occupancy information. XX/XX/XXXX Loan denied for a second time. Appraisal returned with corrections. Instead of correctly stating in both places that the home is occupied, it now incorrectly states in both places that the home is vacant. Loan was again denied prior to my receipt of the updated appraisal, which arrived in mail XX/XX/XXXX, again not postmarked with a date so not able to determine when it was actually mailed. XXXX Spoke with appraisal company and they said the lender could send the appraisal back and they would correct it again to state in both places the home is occupied. Lender said they could not do that and needed to wait for an internal review. Unable to get any updates or information regarding the status of the loan between XXXX and XXXX despite repeated requests by phone and e-mail. XX/XX/XXXX Received a voicemail from supervisor stating that they were not willing to send appraisal back for correction and would not proceed with the loan. XX/XX/XXXX Phone call with supervisor. Requested reason for loan denial and was told underwriters just not comfortable overall with condition of the home. Home met condition rating requirements and passed appraisal without exception and was valued well above the requested loan amount. The only issue previously identified was the conflicting information about occupancy status. Requested specific information about what the underwriters were concerned about. Supervisor was not able to provide that information and I have not received that information to date. I am very concerned that throughout the process rather than ask a simple question to clarify information, PNC has instead repeatedly denied the application without providing me an opportunity to review and/or correct information and when I have questioned the process, they have come up with new and increasingly flimsy reasons for the denial. It seems apparent that they were looking for any reason to deny the application and at this point I can only assume that the denial is based on the rural location and characteristics of the home since all they will say is that they are not comfortable with the home. | ||||||
| 01/10/2018 | Yes |
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| Greetings, My wife and I for well over a decade have had several accounts with PNC ( formerly XXXX XXXX ) bank. We have our mortgage with them, as well as a home equity loan, a Visa Credit card, and my wife has her checking account there into which her pay check is deposited. I also have currently what is known as their " Virtual Wallet '' savings account which is attached to a debit card. To put it mildly, PNC makes a good amount of money from our household with interest charges for the past decade. And we pay our bills on time. Here is the problem I am having. A few years ago, I had a standard savings account with PNC which is attached to a debit card. I am un employed, so the balance for my personal account was always low, usually under XXXX dollars at any given time. I mainly used that account for basic household items. A few years back, PNC started charging a monthly service fee for savings accounts that had less than a {$500.00} dollar a month average daily balance. When they started doing that a few years ago, I called PNC to complain, and a PNC customer service representative suggested that I close that account, and open up what PNC calls a " Virtual Wallet '' account, which was a new program. She said that if I did that, there would be no service fees, because PNC saves money with the " Virtual Wallet '' accounts, since they are paperless, and no hard copies are mailed to me on a monthly basis. She said the reason why PNC created the " Virtual Wallet '' accounts, was for folks like me who did not have much money and can not afford these fees. So I said GREAT! I closed my account, and opened up the virtual wallet account and everything was good. No more service fees on the new Virtual Wallet account. And I did not care about not getting any more paper statements because the balance was so low anyway, and I was able to electronically download the statements from their web site if I needed any. The problem now, is that PNC has gone back on their word. Last month, they started charging a {$7.00} monthly service fee, on the new " Virtual Wallet '' accounts! Yesterday, I received a {$7.00} charge. So for the past two months, I had {$7.00} service fees billed to that account. The most recent XXXX dollar fee brought my savings account into a negative balance. I called PNC to complain about this. To PNC 's credit, the customer service rep did refund the two {$7.00} service fees. HOWEVER, when I asked her if she could please stop charging the account the monthly fee from now on, she said she can not grant that request, because the customer service representative told me that this was a final decision made by PNC management several months ago, that it would be highly unlikely that PNC reversed their policy on this, and that if my balance on that account ever falls below XXXX dollars a month, I would still be charged that XXXX dollar fee from now on. The Customer service rep did acknowledge that the Virtual Wallet Accounts used to have no service charge, but that has changed, and management decided to also add service fees to the Virtual Wallet accounts. So I asked her what is the point of the Virtual Wallet accounts? They after all were created to offer no charge savings accounts. No answer on that. It seems like they are taking advantage of people who have low or no income. I also asked the PNC representative if they could make exceptions for folks like us, who have several accounts with PNC. She also said no. So the PNC Customer Service rep asked me if I wanted to file a complaint and I said yes. So she filed the complaint, issued me a complaint number for the complaint about the above as described. I asked her if I would receive a letter as to the decision, and she said no. She also suggested to me that even though she is filing the complaint for me, it will be a waste of time, because she seriously doubted management would make a policy change. Thank you for your consideration. | ||||||
| 01/03/2023 | Yes |
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| I have attempted to obtain the pay-off balance for loan XXXX since the end of XX/XX/XXXX. I have made over 16 phone calls, resulting more than 2 hours being transferred and placed on hold. In addition to this, my attorney, XXXX XXXX, has called numerous times, both being told the pay-off would be sent anywhere from 30 minutes to 7-10 days. To-date, the only documentation I have received from PNC is the attached payoff statement sent to my attorney. The additional information ( letters of pay-off ) have been sent via their collections agency. My account was placed in forbearance as part of the CARES act. The forbearance ended XX/XX/XXXX. I have been told I could not speak to PNC regarding the loan, and that I needed to have my attorney contact PNC on my behalf. Likewise, my attorney has called and been told he couldn't speak on my behalf. I have also requested to make payments and have been told your company could not accept payments at this time. I was able to reach a representative who, without hesitation, accepted two payments totaling {$130000.00}, posting on XX/XX/XXXX and XXXX from my account, in addition to the {$1500.00} posted on XX/XX/XXXX. According to the Payoff Statement sent on XX/XX/XXXX, the total owed is {$170000.00}. PNC 's online statement for the transaction period of ( XX/XX/XXXX to XX/XX/XXXX ) Payment for the XX/XX/XXXX regular payment was recorded on XX/XX/XXXX in the amount of {$1500.00}, which was the amount due provided by your representative as the monthly payment. I spoke to several representatives asking what the pay-off amount was beginning XX/XX/XXXX as the funding was and still is available. After several additional calls, I decided to make payments to reduce the principle, resulting in a reduction of interest charged. According to PNC 's online statement received for the XXXX cycle, the {$1500.00} was not applied to the account. The outstanding principle should have reduced from {$160000.00} with the XX/XX/XXXX payment. When I received the billing statement for XXXX, the outstanding principle still remained at {$160000.00}. I made a total of {$130000.00} payments since XXXX, XXXX, however, according to your statements, none of which has been applied to the account. I specifically stated I wanted the residual payment of {$26000.00} applied to the outstanding balance and credited to the XXXX monthly payment. I paid {$130000.00} to the PNC directing them the payment be fully applied towards the principle and expected this to be completed. Additionally, the statement for the XXXX states, if the amount of {$23000.00} is paid account would be current. On your XXXX - XXXX statement it states, if the amount of {$24000.00} is paid the account would be current. This astounds me that having paid {$27000.00} the account would not only be caught up, it would have exceeded the amount due, with the residual being applied to the XXXX monthly payment amount. The XX/XX/XXXX and XXXX statement also states, the amount of {$6100.00} in escrow/impound overdraft has not been paid through XX/XX/XXXX. It was my understanding that the amount paid brought the account current, if your documentation is true, then as part of the payment due it would include the escrow amount, interest, and unpaid principal balance updated for the forebearance period, not carry forward as additional escrow of {$6100.00}. In addition, the interest needs to be adjusted against what the actual principle amount should be with the {$130000.00} applied. At this point, I am demanding a complete itemized detail of all charges, including application of the amounts to be applied directly to principle and the payments made for XXXX & XXXX month installments. I am also expecting the interest charges assessed be corrected to reflect the actual amount against the correct principle. The corrected escrow owed, which should be XXXX for the current year, as it was paid on XX/XX/XXXX, no later thank Thursday, XX/XX/XXXX. | ||||||
| 08/31/2017 | Yes |
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| PNC Bank, XXXX XXXX XXXX XXXX, XXXX DE XXXX On Saturday XX/XX/XXXX I went into my PNC bank and deposited a check for {$1700.00} into my virtual wallet reserve account. The full balance of the funds became available on Tuesday XX/XX/XXXX. On XX/XX/XXXX I transferred {$1000.00} from my reserve account into my virtual wallet spend account to send to a moving guy to take a piano this gentleman was purchasing from me that and the {$1000.00} was the cost of moving and shipping the product. So, on XX/XX/XXXX, I went to XXXX got A XXXX XXXX XXXX and sent the {$1000.00} from my spend account. Later on that same day XX/XX/XXXX I tried to use my debit card and it was declined. I looked at my account to find I had no funds available, which at the time in my spend account I had approximately {$200.00} in the account. I called the bank to see what was going on, they said that it appeared I deposited a bad check, and the bank put a hold on my account. Since it was after XXXX, the bank rep said that I should call the Deposit Loss Avoidance Department at XXXX XX/XX/XXXX. I called the Deposit Loss Avoidance Department they told me that I was scammed and they hear this a lot. I asked what was my options to correct this situation. They said if you used any of the funds, I would be held responsible for repaying back the amount I used. I asked if you made the funds available, why would I think any different that the check was already verified for me to use the funds? She told me it 's federal law, that they have to release funds within 48 hours, but that does not mean that the check had been verified. Again, I asked the question why would n't I use the funds if PNC made the funds fully available for me to use? The Rep said they are not responsible for the checks I deposit and that I should watch who I do business with. When I went back to the branch and explained the situation, they called Deposit Loss Avoidance, and ask what can be done to release the funds or determined the good money from the bad. But, again that department said because I transferred the money into my spend account from the reserve account they had to put a hold on both accounts. In the meantime my direct deposit goes into that account as well. When I call the company I work for Hr department to see if I could stop that direct payment ; they said it was already processed and they could not stop it. They said I would have to call the bank and ask them to send back the funds, so they could then give me a physical check I called the bank and tried to explain to them that they are literal leaving me without a means to pay my bills, buy food, etc. They said again that there was nothing they could do outside of me paying back the amount that I had used which was {$1000.00}. My account was a negative XXXX. Also, my paycheck went into that account. And, all PNC could say is that i am 100 % responsible for the checks that I deposit, and PNC has no responsibility as to the validity or whether or not the check is good or bad. So, my question is as a consumer, how would I know if check is good or not ; unless I deposit it into a bank? The rep also told me I could have went into the senders bank to verify the funds. I explained I am on the XXXX coast and the sender was on the XXXX coast, so how was I suppose to verify whether the check was good or bad? So, PNC has been less then sympathetic of a 9 year customers circumstances. Literally saying it 's not their problem if I have absolutely no funds and no way to get to my direct deposit check. They would not make any exceptions while knowing the situation. And, to add insult to injury they are holding me responsible for a bad check, that they themselves made available for use. As a consumer you assume that if you deposit a check and the bank make the funds available, It would be another assumption that they have verified the funds which they made available. Clearly, this is not the case. | ||||||
| 06/11/2021 | Yes |
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| ( PLEASE DONOT BE OFFENDED. I AM NOT YELLING. I AM XXXX IMPAIRED AND I USE CAPITAL LETTERS AS AN AID IN COMMUNICATION ) ARE YOU FAMILIAR WITH THE XXXX PROCESS THAT IS USED TO SEND MONEY.? IT IS A HACKERS DREAM!!!!!! ON XXXX XXXX, MY PNC BANK ACCOUNT WAS HACKED. AFTER SEVERAL UNSUCCESSFUL ATTEMPTS TO DISPUTE THE FRAUDULENT CHARGE WITH PNC BANK AND RECOVER THE STOLEN FUNDS, YOU ARE MY HAIL MARY..I NEED YOUR HELP!!!!! ON XX/XX/21 I WAS TRYING TO CONTACT XXXX CUSTOMER SERVICE TO CLOSE AN ONLINE ACCT. THE AGENT / PEOPLE WHO ANSWERED HAD ME DOWNLOAD AN APP TO MY PHONE WHICH THEN GAVE THEM ACCESS TO MY SCREEN. THEY SAID THEY WERE GOING TO DO A TEST DEPOIT TO VERIFY ACCT XXXX .BUT THEY TOOK XXXX AND TRIED TO TAKE MORE ( THERE WERE SEVERAL OTHER ACCTS AND CCRD APP VISIBLE WITH OVER XXXX XXXX IN OTHER ACCTS THAT THEY COULD SEE ) MY OWN PERSONAL PREJUDICES AND MY PNC BANK TRAINING KICKED IN AND I REFUSED SAYING I HAD NO ACCESS AS THEY WERE NOT MY ACCTS I USED ANOTHER PHONE TO GET PNC CALL CENTER ON THE LINE AND THE REPRESENTATIVE ( XXXX ? IN FLORIDA ) LISTENED AS HE TRIED TO MAKE ME ACCESS OTHER ACCTS WITH XXXX XXXX BALANCES AND I KEPT TELLING HIM I HAD NO ACCESS. THE PNC EMPLOYEE LISTENED TO HIM TELL ME INSTRUCTIONS, HE WAS YELLING AND THEN SHE TOLD ME TO DISCONNECT THE CALL. SHE THEM TRANSFERRED ME TO SECURITY XXXX XXXX, LOCATED IN MICHIGAN ) IN FRAUD DEPT WHO TOOK INFO AND TOLD ME TO FILE A PILICE REPORT. I CALLED XXXX XXXX POLICE AND OFFICER XXXX TOO THE REPORT ( ATTACHED ) HE CALLED THE NUMBER ALSO THEN THE NIGHTMARE REALLY STARTED MY DISPUTE WAS DENIED, AGAIN AND AGAIN. ( 4 TIMES ) EVEN THOUGH I HAD SCREENSHOTS OF THE THINGS THEY DID, A POLICE REPORT, PNC NEVER ASKED FOR ANYTHING TO SUBSTANTIATE MY CLAIM. ( REG E AND REG Z REQUIRE DOCUMENTED PROOF ) I KEPT GETTING FORM LETTER DENIALS. I WENT BRANCH AND A BANKER HELPED ME CHANGE SOME INFO ON MY ACCT PASSWORDS ETC. SHE THEN ESCALATED MY DISPUTE, AGAIN. BUT THE STRAW THAT BROKE THE CAMELS BACK WAS YESTERDAY XXXX EXACTLY 5 MONTHS LATER WHEN AFTER SEVERAL DAYS I GOT A CALL FROM SOMEONE IN PNC EXECUTIVE CLIENT RELATIONS. IT WAS A NIGHTMARE AND SHE LITERALLY ACCUSED ME OF LYING AND SAID THEY HAD PROOF I MADE THE TRANSACTION.!!!!!!! AND I SHOULD HAVE THE POLICE SUBPOENA THEIR PROOF!!!!! I WAS DEVASTATED. AS A FORMER EMPLOYEE WHO WORKED WHEN THE BACK BONE OF THEIR CALL CENTERS WAS BORN AND AS A FORMER STOCXXXX HOLDER I WAS VERY DISAPPOINTED. THEY WERE # 12 WHEN I WAS THERE AND NOW AT # 5? THEIR SERVICE AND CUSTOMER CARE HAS GREATLY DIMINISHED. THE IVR IS NEVER WORKING, THE BRANCHES NEVER ANSWER WHEN YOU CALL AND ONCE WHEN I ASKED WHAT EVER HAPPENED TO 24 HR SERVICE ( THAT I WORKED ) AN IMPUDENT REP SAID PNC NEVER HAD 24HR SERVICE AND WHEN I SAID THEY DID HE ARGUED THAT I DID NOT KNOW WHAT I WAS TALKING ABOUT. PERHAPS I SHOULD HAVE JUST CLOSED THE ACCTS BUT I HAVE BANKED WITH PNC SINCE I WAS 18 AND THE ACCT I DID CLOSE ( HACKED ) ON XXXX I HAD USED FOR OVER 20 YRS. AND SO HERE I AM ASKING FOR YOUR HELP? I HAVE BEEN TOLD THAT XXXX IS OWNED BY THE BIG BANKS AND IS NOT COVERED UNDER FEDERAL REGULATIONS SUCH AS REG. E OR Z. FOR ELECTRONIC TRANSFERS. WHEN I CALLED XXXX THEY SAID THEY COULD NOT HELP I HAD TO FILE THE DISPUTE WITH MY BANK. I was TOLD THAT I MIGHT BE ABLE TO DO A CHARGEBACK BUT PNC REPS REFUSED WITHOUT REASO AND THE TRUTH IS I DO NOT THINK THEY KNEW HOW. I NOTIFIED XXXX, AND XXXX ( THEY USED AN APP ), AND THE DEVELOPER OF THE APP. ALL TO NO AVAIL NO HELP HAS BEEN FORTH COMING. SO NOW I AM ASKING YOU IS THERE ANYTHING I CAN DO TO GARNER YOUR HELP. I READ ON LINE OF ANOTHER CASE IN XXXX WITH XXXX XXXX THAT WAS RESOLVED AFTER A XXXX AFFILIATE GOT INVOLVED. MY CASE IS SMALL BUT THE BANKS SHOULD PROVIDE PROTECTIONS UNDER FDIC REGULATIONS. I CONTACTED ALL OF THE FOLLOWING AND EACH GAVE NOTHING BUT LIP SERVICE. SOME REPS DID NOT EVEN FAIN EMPATHY!!! 1.PNC BANK.. CALL CENTER, FRAUD DEPT AND BRANCH 2. XXXX 3. XXXX 4. XXXX 5. XXXX XXXX | ||||||
| 09/12/2017 | Yes |
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| On XXXX XXXX, XXXX i logged into my PNC online banking account and noticed that my account was - {$220.00} with pending items. I had an instant cash transfer from XXXX in the amount of {$100.00} to be deposited into my Account. I went to a PNC ATM located in XXXX after this deposit to check the balance and make an additional deposit. The balance was - {$120.00} reflecting the {$100.00} cash deposit. I then made a cash deposit of {$200.00} and my receipt showed an available balance of {$77.00}. ( see PNC receipt ) I did n't bother to make another deposit because the available balance was enough to cover 3 transactions I was expecting to come in the following day ( Check # XXXX {$39.00}, check # XXXX {$26.00}, XXXX XXXX XXXX$7.00} ). The next day I logged into my account and noticed that PNC had charged me four fees in the amount of {$140.00}. I contacted customer service and was told that the {$100.00} was not available at the time I made my deposit on the 5th. I explained to the rep that I had a receipt from the ATM showing that money reflecting in my balance. I was told if I could take the receipt to a PNC branch to verify the available balance then the fees would be refunded. I ask the rep if she could notate the account just in case the branch needed to verify our conversation and she did and gave me the address to the nearest PNC while I was driving. I went to PNC located at XXXX XXXX in XXXX within minutes of our conversation and spoke with XXXX who was the only one at the branch. She made a copy of my reciept and looked up my account and verified that the money was showing available at the ATM. She then called the customer service so that she could verify that she had the receipt. She placed the call on speaker and the rep on the other end of the phone unaware that she was on speaker stated that she could see that the previous rep noted the account but that she also saw a note on my account dated XXXX/XXXX/XXXX that no more fees refunded unless bank error and that in spite of the receipt she would not refund the fees. I asked to speak with the rep and she began to tell me that the reason why my receipt showed the {$100.00} available because it was available but only for bill payments. I asked to speak with a supervisor and was told escalations would call me back. XXXX than told me that she would email a copy of my receipt to her branch mgr who was not present and explain it to him and he would call me the next day. When I did n't hear from escalations or the branch mgr I contacted escalations on XXXX/XXXX/XXXX and spoke with XXXX XXXX ( XXXXXXXX ) I explained to her the issue and she told me that she would have to call the branch I visited and obtain a copy of my ATM receipt. She stated that she would call me back by 5pm. I did not recieve a call back so I called her again. She told me that she had obtained a copy of the receipt but, she had no way of knowing what my balance was prior to my deposits. She stated she could not see items that were pending before I made the deposits. I told her that I had checked my account t earlier that day before making deposits and it was XXXX with pending items due to post at the close of business on the 5th. I also told her that I had screen shots from my phone showing my balance prior to my deposits. She continued to tell me that my money was not available in spite the fact that the reciept proved it was. I told her that all she had to do was simple math based on my deposits. A balance prior to deposit of - {$220.00} pending at the start of the day on 9/5, two cash deposits made on 9/5 totaling {$300.00} and and available balance after deposits of {$77.00}. She refuse to acknowledge receipt and refused to refund the fees. PNC has since charged my account eight fees totaling {$280.00}. They have also returned several of my items stating NSF even though my account had enough available funds to cover all my transactions presented for payment. | ||||||
| 02/02/2017 | Yes |
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| UPDATE AS OF XX/XX/XXXX2017 : I decided to try one more time to do a loan mod, I think my 4th try at it. The 1st time they said I made too much, 2nd time I did n't make enough, 3rd try PNC said I did n't turn in an item they had requested so they closed it ... I had called almost daily or every other day asking if they needed anything else. No one ever said I was missing anything and they closed my request. Fast forward several years later ( now ) and even though it causes me a GREAT deal XXXX I decide to make one more go of it. This time I go through XXXX for their help. They did n't get everything to PNC in a timely manner & need more bank statements & update some items, I do. Then PNC is not efficient & request another round of bank statements & couple other items PNC. I sent my requested items to PNC on XXXX/XXXX/2017 w/ a XXXX/XXXX/2017 deadline. I have confirmation that ALL faxes went through. I call to confirm they received everything & my " assigned '' rep is so incredibly rude & continues to tell me to resend many items. After arguing w/ her for several minutes as I am just asking her to confirm she really needs them as I DID fax all items it becomes apparent she will not look it up & is very belittling to me. I finally ask to be reassigned a new rep. I finally talk to someone that takes the time to look up the items and sees that I have turned all requested items in and puts in a request for a new rep to be assigned to me. PNC does assign a new rep. I call new rep to confirm she has everything. This " go around '' I leave a message for my rep to call me back. On their VM they say they will return calls within 24 hours. I have NEVER received a single call back from my assigned rep, neither rep. So then I get a call from PNC yesterday ( XXXX/XXXX/2017 ) asking if I would like any assistance with my loan ( ie : loan mod etc. ). I say, " I have applied for a loan mod already and waiting to hear ''. She says, " They have closed that request as you did not provide the paperwork requested ''. All I can say is " WOW ''. She says but you can apply again. After getting over being in shock (. I said why has no one called me? She replies, " We have a no contact in place ''. Yet, she called me. PNC also says I owe XXXX in XXXX place yet my amortization schedule ( which I requested from PNC ) says I owe XXXX. I can go on & on but I am out of room. Previously wrote the following : I have been through XXXX and back with PNC. After being denied for everything I asked for, several different ways ( Hamp included ) I ended up having to pay an additional $ XXXX/mo. for 2 years to save my home from foreclosure. I have been paying for almost 11 years and only owe {$13000.00} less than my original loan amount. How is this possible? I am current and my rate continues at 5.875 % with NO help of ANY KIND from PNC. And apparently I agreed to a 40 year loan when I agreed to pay an additional $ XXXX/mo for 2 years. Since they refused to take payments from me during the time I was trying to do a loan mod ... it got out of control, on my end, and they ended up with ALL the control putting me in a desperate situation to save my home. I have been disgusted with PNC actions since I tried to make adjustments as my Husband had lost his job and we were both in industries that were hit hard by the recession, Construction and Real Estate. We ultimately saved our home with MANY sacrifices and NO THANKS to PNC. Our original lender was National City merged with PNC. If there is EVER a lawsuit with PNC, I would love to be included as I feel they are corrupt and we paid the price! I have pages of documentation during the process of PNC doing everything to not qualify us for any program. I believe it is because we were XXXX of the rare cases that continued to have equity in our home. I always felt like they were trying to get our home and not help us stay in it. Please notify me of any opportunities to sue PNC | ||||||
| 05/26/2023 | Yes |
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| Subject : Complaint Against PNC Bank for Violation of Consumer Rights and Failure to Protect Against Fraudulent Activities and Items not received. Dear Sir/Madam, I am writing to file a formal complaint against PNC Bank regarding their egregious mishandling of a series of disputes that I filed in XX/XX/2019. I am deeply dissatisfied with PNC Bank 's response and their failure to protect my consumer rights in the face of fraudulent activities. I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter promptly. In XX/XX/2019, I approached PNC Bank seeking assistance in recovering funds that were fraudulently charged by a company for purchases that were never delivered. I provided PNC Bank with a substantial amount of evidence, including incriminating emails from the fraudulent company, text messages, incomplete credit card refund receipts indicating the merchant 's admission of owing refunds, and explicit messages from the merchant instructing me to initiate chargebacks as a means of recovering my funds. Furthermore, I highlighted instances where the merchant resorted to coercion, threatening to sell the purchased items to other individuals if I did not send additional money. Despite my efforts to provide comprehensive evidence, PNC Bank neglected to conduct a thorough investigation into the matter and instead violated my consumer rights by disregarding obvious facts. As a loyal customer who has spent over {$10.00} million on PNC Bank 's cards without any previous incidents, I expected to be treated fairly and have my claims properly evaluated. Regrettably, PNC Bank unjustly assumed my role as the " bad guy '' in this situation, shutting down the cases against me and allowing the fraudster to continue their deceitful activities. When I approached PNC Bank seeking clarification on why the merchant consistently won these cases, PNC Bank evaded responsibility by claiming an inability to judge the merit of the case. Concurrently, they permitted the merchant to utilize outdated tracking numbers that did not correspond to the purchase dates. Additionally, PNC Bank allowed the merchant to employ the same tracking numbers across multiple cases, despite the significant time disparities. Furthermore, the merchant provided tracking numbers indicating a package weighing only 1 pound, while the corresponding invoices clearly documented purchased items weighing well over 20 pounds. Despite repeatedly highlighting these blatant manipulations by the merchant, PNC Bank chose to persist in violating my rights and neglecting their duty to protect me as a customer. In a distressing turn of events, after opening multiple chargebacks and disputing PNC Bank 's findings, I was advised by PNC Bank to litigate the matter, with the assurance that if I could prove in a court of law that I had been scammed and had not received the purchased goods, they would then provide the necessary protection. I heeded their suggestion and pursued legal action, successfully presenting my case in federal court. The jury 's verdict unequivocally found the scammers guilty of breach of contract and fraud, as they failed to ship the merchandise I had purchased. However, upon returning to PNC Bank with the court 's verdict and requesting the reopening of the chargebacks, my rights were once again violated as PNC Bank refused to comply. In light of these troubling circumstances, I demand that PNC Bank immediately reopen my chargebacks and, in light of the jury 's verdict, honor my claims. The evidence presented in court and the subsequent jury 's findings validate the validity of my claims beyond any reasonable doubt. I trust that the Consumer Financial Protection Bureau will take this matter seriously and thoroughly investigate PNC Bank 's actions, ensuring that my consumer rights are protected and justice is served. I kindly request your active monitoring of this case | ||||||
| 11/16/2016 | Yes |
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| On XXXX/XXXX/XXXX, I was informed that I was able to refinance my high interest mortgage after a few years of struggling with PNC Bank. However, rather than allowing me to refinance, your bank gave me a home equity loan instead. This monthly payment consisted of {$2200.00}. In order to pay off the loan, I paid approximately {$200.00} extra per month, ( {$2500.00} ). I did pay, off and on, extra funds towards my principal. I paid additional principal payments of {$5000.00} on XXXX/XXXX/XXXX, {$2500.00} on XXXX/XXXX/XXXX, {$2500.00} on XXXX/XXXX/XXXX, {$2500.00} on XXXX/XXXX/XXXX, {$2500.00} on XXXX/XXXX/XXXX, {$2500.00} on XXXX/XXXX/XXXX, and {$2500.00} on XXXX/XXXX/XXXX. These additional funds made no change in my principal balance when they were applied. I also received a fee of {$30.00} on XXXX/XXXX/XXXX because of how my payments were applied to my loan. I did not get any monthly or quarterly statements and when I inquired about this, I was told they would not provide me with any documentation. I personally went to PNC Bank and requested answers about the breakdown of my payments, how my payments were applied, and why the errors had occurred. I spoke with XXXX XXXX XXXX ( Phone # XXXX ) and he stated that my additional payments were credited as regular payments and therefore my loan was paid months in advance. He told me that he would reverse my payments to correct this and that I did not need to pay untilXXXX XXXX. I requested a summary of my account to make sure it shows what he is recommending and after few months I found out he was wrong with how this was corrected and the bank penalized me. My principal had not been changed and was not reflecting any of the extra principal payments that I made. I called and complained and made trips to the branch with no resolution. Finally on XXXX/XXXX/XXXX I received a call from XXXX XXXX XXXX from XXXX ( Phone # XXXX ). My reference number with him XXXX. He asked me to be patient after months of torture and no resolution to my payment issues. Meanwhile I tried to get assistance from any source at your bank and even went to the Main Branch and talked to XXXX XXXX ( Phone # XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX with still no resolution to the matter. On XXXX/XXXX/XXXX, XXXX XXXX called me again to say that they were able to fix the errors. However, I would have to pay approximately {$6000.00} in mortgage interest tax to the government if I wantedthe additional funds that I paid to be applied to my principal balance. In an effort to cooperate I reluctantly agreed. They told me my principal balance was changed accordingly but they did not provide me with any proof of how they were calculating the additional funds and did not provide me any statements or records showing this. The only documentation that I received from your bank was the letter to report the interest that I paid for XXXX which {$3500.00}. In XXXX XX/XX/XXXXthey finally fixed the situation with a direct transfer payment from my checking account at XXXX XXXX XXXX to PNC checking then debit to my mortgage and also told me that I would now have to pay in person with a check if I wanted to pay any funds towards my principal. At this point I had still not received any documentation or correspondence from PNC Bank via mail or email regarding my loan transaction summary. I became very ill from all the stress your bank caused me and was hospitalized with very XXXX XXXX XXXX and dizziness. However, I would still check my checking account routinely to make sure that the monthly withdrawal of the loan payment to was being debited. On XXXX/XXXX/XXXX I decided to deposit an extra {$2500.00} to my principal and went to the XXXX XXXX branch. The Bank Manager, XXXX XXXX ( Phone # XXXX ), requested a summary of my balance and that is when I figured out there had been no change to my principal balance for the period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I was totally shocked | ||||||
| 03/24/2023 | Yes |
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| On XX/XX/XXXX I was inside PNC Bank branch when I received a notification from a store requesting a code for a purchase that is currently being processed. I showed the text notification to PNC bank manager and he immediately closed the ATM and issued me a new ATM. I requested a print out for the last 3 months for me to review and I found several transactions which I did not authorize. I called PNC on XX/XX/XXXX and requested for help disputing unauthorized charges. The representative said he can only help me with two charges. Other disputed amount I will need to go back to the bank branch. Representative filed a fraud unauthorized charge for the amount of {$790.00} date of transaction XX/XX/XXXX and {$4800.00} date of transaction XX/XX/XXXX both of these charges are from the same company and I was also charge twice international fee {$24.00} which the representative did not include on the dispute. PNC Bank issued a temporary credit for {$790.00} and did not provide me temporary credit for the other charges. After filing the dispute I have not received any information, status or update of the investigation. Middle of XXXX I could not access my Checking account and it looks like PNC closed my checking account. I decided to file a written dispute letter for both charges both were received XX/XX/XXXX. After PNC received the written dispute I was granted access to my checking account which now I can see account information. My account balance shows {$5200.00} part of this amount is the provision credit they provided me for the disputed charges I filed. I contacted PNC Bank and was transferred to case manager XXXX contact # XXXX I requested for her assistance and requested to provide me explanation to why I can not access the balance on the account and why the available balance is not updated and still showing {$0.00} she stated on XX/XX/XXXX after filing a fraudulent charges my account overdrawn on XX/XX/XXXX for {$330.00} and because of that they closed my closed my checking account as part of their procedure to review customer relationship. I explained to her that I temporarily freeze all electronic deposit to my checking and my account should have not been overdrawn if PNC followed the dispute procedure and provide a temporary credit back to my checking account. PNC closed my checking without providing reason of closure. By closing the checking account PNC did not continue the processing of my dispute. She stated it was still under investigation, I questioned her about her answered and requested again to explain the reason of their action. I stated prior to filing a dispute I have consistent deposit leaving my account balance to $ XXXX or more. I have no account issue that can be considered as excessive use, no other issue PNC can be used to closed my checking account. I only filed a dispute because those charges are not authorized and it is my rights. Only other issue was other error by PNC ATM which took my cash and shut down on me without providing me my deposit transaction which is not my fault for having a faulty ATM machine. Other dispute is these recent unauthorized charge which PNC is required to investigate, provide temporary credit accessible for consumers to use. Banks and card networks have some leeway in how they handle the dispute protocol, the underlying process is governed by legal guidelines. PNC did follow the guidelines established that consumers are not obligated to pay for billing errors, unauthorized transactions, defective or missing goods, or fraudulent charges.Consumers have the right to dispute such charges and It also stipulates that consumers are not liable for any unauthorized charges that are made.. The case manager could not provide explanation, she then asked me who will be the agency I will be filing a complaint and she said I will not be able to use my provisional amount given since they will closed my account for the second time. | ||||||
| 06/20/2016 | Yes |
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| On XX/XX/XXXX, I called PNC mortgage to speak with a representative about the requirements necessary for updating the property value of my home. My husband and I were in the process of obtaining a home equity line through PNC bank since this bank currently holds our mortgage. While we were eligible to receive the equity line through other lenders, we figured it would be mutually beneficial for us to go through PNC. Our one concern was whether or not our appraisal would count toward updating the property value of our home. We were told several times that an appraisal from another bank would not count, so we decided to go with PNC. Before signing the documents for the HELOC, I made sure to speak with a representative to confirm our appraisal would count toward updating our property value. We were also hoping it would be high enough to remove our PMI. Either way, we wanted to make sure our property value would be properly updated in order to remove our PMI as soon as possible, even if we were n't eligible at this time. I spoke with XXXX at XXXX p.m. on XXXX XXXX to ask about using the appraisal. She checked with a supervisor and told me, as long as we received a full appraisal during the HELOC application process, we would be able to apply the appraisal amount to our property if the request was made within 120 days of the appraisal. We had, in fact, completed a full appraisal. We immediately faxed the documents to the bank and closed on our HELOC that week. This loan was officially established on XXXX XXXX. We have since been told the appraisal will not count toward updating the current appraised value of our home. On XXXX XXXX, I contacted PNC once more to speak with a supervisor. My husband and I spoke to XXXX representatives ; both told us no supervisor was available. When speaking with a woman named XXXX, I asked why the appraisal did n't count toward my property value. She seemed to be looking up something or talking to someone, and told me it did n't count because it was n't a full appraisal with pictures. When I told her it was, she clearly backtracked. She then retracted her statement and said she would escalate my request to speak with a supervisor. I was told someone would contact me by Monday, XXXX XXXX. Someone named XXXX XXXX left me a message around XXXX. on XXXX XXXX. XXXX did not leave an extension, nor did she spell her last name, and I have not been able to find her through the PNC dial-in directory. I received another letter from PNC stating I would need to prove my property was worth at least {$430000.00} in order to have the LTV reduced to XXXX % and have my PMI removed. My house was appraised at {$420000.00}. The closing statement from the purchase of our house, which said we were eligible to have our PMI removed at XXXX % LTV. It says nothing about needing a XXXX % LTV if requesting removal of PMI before it reaches that, nor does it state that the LTV is calculated based on the original appraised value or purchase price, whichever is lower. We were misled by representatives of PNC who confirmed something for us that was not true. We are also being told that our LTV is to be calculated with the current principal balance divided by the purchase price or original appraised value. At the same time, we are being solicited for {$500.00} for a new appraisal, which, presumably, the bank would use to recalculate our LTV. If I paid the {$500.00} for a separate appraisal, my appraisal would have been taken into account. Since I did n't, I 'm being told it 's not eligible. On Tuesday, XXXX XXXX, XXXX XXXX emailed me from PNC 's Executive Client Relations Department. In her email, she told us our concern was forwarded to XXXX XXXX for review, and to reach out to her with my phone number in order for her to contact me. I emailed XXXX later that afternoon, and advised we would be filing a complaint if we had n't heard back by week 's end, which we did n't. | ||||||
| 06/08/2016 | Yes |
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| Abstract / Summary -- -- -- -- I was improperly and illegally submitted to an overdraft and charged overdraft protection fees when I had specifically opted out of all overdraft protection services. PNC is now demanding that I pay overdrafts for a service that I had refused, and is denying me access to banking services until I pay a further {$130.00} that the bank should eat and forgive, considering I was a well-known Overdraft Protection Refusenik ( Opt-Out ), as documented on PNC Account Statements. Long Version -- -- -- -- -- -- - I had a XXXX checking account with PNC ( # XXXX ) that was linked to a PNC debit card. I also linked my Debit Card and XXXX account to XXXX, and paid for a few online transactions with my PNC Account that way. At the time that I registered for the account, I took great pains to " Opt-out '' of any and all Overdraft Protection Services, because I view overdraft protection as a financial atrocity, a poisonous debt trap for consumers. I would always rather have a transaction be declined at a retailer than see a transaction throw me into an overdraft, and I made those preferences known with great clarity to PNC. On the attached PNC monthly account statements, you can see highlighted in pink ( by a banker ) text that states, without qualification : Overdraft Coverage - Your account is currently Opted Out. There 's no disputing that I was and still am an Overdraft Coverage Opt Out. That 's what is very clearly printed on my XXXX statement covering the time period from XXXX. And yet somehow, PNC saw it fit to overdraft my account in XXXX, while I was away traveling in XXXX and XXXX, charging me an initial {$36.00} for an overdraft service fee on a service that I had very clearly refused, then charging me continuous overdraft fees at a rate of $ 7/day until reaching a {$98.00} + {$36.00} = {$130.00} maximum limit. Yesterday ( XXXX XXXX 2016 ) I went in to PNC to get Cashier 's Checks and they briefed me on this accounting mess. I paid for the balance of the XXXX Payment for the XXXX XXXX ( {$180.00} ), leaving a {$130.00} " debt '' remainder in that account. I would have much preferred that the XXXX XXXX payment be denied at time of sale for insufficient funds. So to be clear, there is no claim, on PNC part, that I did n't pay for debts on goods they authorized without my permission to overdraft. I paid for those goods after they authorized payment without my overdraft permission. The only remaining negative balance in my account are overdraft fees that the bank claims that I owe them, fees that I refuse to pay. What I 'm asking for is that PNC reverse that {$130.00} " debt '', considering that charging someone for a service that they refused is technically illegal, and goes by the name of Fraud. I 'm asking that they notify me in writing that the Overdraft, the Overdraft Penalty Charge, and the Continuous Overdraft Fees were improperly charged to my account, the account of an Overdraft Poison ( err ... Protection ) Opt Out. Finally, I 'm asking that PNC allow me to reopen my account, the account that they charged off, and reestablish an amicable consumer business relationship, on the understanding that I again refuse any and all Overdraft Protection Services that PNC might wish to extend. The attached annotated Bank Statements and the payment confirmation should make this clear. Just to repeat, the - {$180.00} is the remainder of a {$310.00} XXXX XXXX charge that PNC indebted me for without first having sought a revised permission from me to overdraft my account. I had a positive {$120.00} balance when that charge hit my account, and rather than refusing the transaction, PNC threw me into a - {$180.00} balance and then hit me with a - {$130.00} maximum accumulated overdraft charge, in an account where they had no permission to overdraft. Note : they also wrongfully closed my account because of this overdraft. Please help. | ||||||
| 05/20/2021 | Yes |
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Web | Older American |
| Issue I have a HELOC with PNC Bank in good standing. On XXXX I sought information on the pay-off process and any action I need to take to maintain an open line on and was presented with a sum higher than expected. Since that date, I have diligently and in good faith sought to receive transparent information, i.e., the calculations of how this amount was determined. Since I put into dispute the amount PNC claimed I owed I have not received the requested information. I was poised with funds in my PNC account to pay off the HELOC but made clear I would need accurate and transparent calculation of the amount owed. The failure of providing such transparent and timely information has resulted in further interest due to the delay tactics by PNC. Brief Chronology I understood that a CoVID-SARS -2 Hardship Program for deferring interest on delaying payments would have resulted in payment for the deferred interest. However, the sum quoted by the PNC HELOC Loan department was significantly higher than my calculations. Therefore, with a visit to a branch bank ( XXXX ), and numerous telephone calls and emails, I attempted to gain clarity and requested an accurate calculation that transparently shows me how this amount was determined. By the loan department, I was initially told PNC does not provide such detailed information, whose staffer only responded by XXXX. I had requested process escalations of my inquiry, first on XXXX. On at least one documented occasion, the escalation was not submitted by the PNC banker until four business day later ; on at least one documented occasion, a case reference number and all of its call content records were deleted by PNC. To mitigate financial harm ( i.e., incurring more interest on the loan principal ) I made the daily allowable limit of payment amounts, as I had the funds in my PNC checking account, and had a XXXX HELOC balance by XX/XX/XXXX. I provided a chronology of my efforts to receive the requested information and provided it to the PNC Bank CEO, seeking assistance because as of XX/XX/XXXX, I had not received the information I requested or any other response from PNC, although I continued to inquire. The response to my letter to the CEO ( delivered by XXXX on XX/XX/XXXX, at XXXX XXXX ) took ten days after delivery. On XX/XX/XXXX, a staffer in PNCs executive branch contacted me. Despite several conversations and emails with that staffer, to date XXXX XXXX I still do not have the detailed information I requested. I confirmed with the staffer that I would await the information she promised to provide to make final payment on the XX/XX/XXXX, payment date although I have a XXXX balance but would pay the correct amount of owed interest once I have it. She assured me I would get the information within 1-2 business days. I did not. I received the advice that I could wait to XX/XX/XXXX ( i.e., pay within the grace period if information is delayed ). Since XX/XX/XXXX, PNC has not been forthcoming with information with extremely unprofessional demeanors and recordkeeping of customer inquiries by some staffers. This prevented me from gaining the simple clarity and accurate information I sought to PAY THE LOAN on XXXX in person at the bank! There is now interest I ought not have to pay ; however, I can not determine how PNC calculated that. PNC did not provide accurate and transparent information on the deferral back in XXXX when I requested that ; there was no paperwork sent, no contract sent to show the change in the HELOC, no signature required, no case or confirmation number of my calls provided although I asked, and during calls I was told that due to the pandemic paperwork is just behind. Today, XX/XX/XXXX, I received a general letter ( dated XX/XX/XXXX ) about the deferral via email. Today I received copies of loan statements which I have in my possession, but which do not provide the information I requested! | ||||||
| 03/15/2021 | Yes |
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| I used my ATM card ( PNC Bank ) at an ATM ( XXXXXXXX XXXX ) in XXXX XXXX. Close to where I live. I made 4 successful transactions and the following 2 attempts were met with strange noises so I cancelled both transactions. I received no cash from both of these ATM transactions on XX/XX/XXXX. On XX/XX/XXXX I returned to the same ATM to make another withdrawal and heard the same noises so I canceled the transaction again. I received no cash from this ATM transaction. I looked at my PNC online banking account and noticed the 3 transactions I cancelled had a total of {$1300.00} withdrawn from my account by XXXXXXXX XXXX Two failed attempts at {$400.00} and 1 of {$500.00}. I immediately called XXXXXXXX XXXX in XXXX XXXX XXXX XXXX and explained to them what happened and I was advised to take the complaint to PNC Bank. I called PNC Bank on XX/XX/XXXX to let them know what happened and they would open a dispute claim. They said they would mail a dispute questionnaire to me in XXXX XXXX when the investigator from the dispute department determines I have a legitimate complaint. I told the person on the phone that it was not a good idea to mail them because of Covid 19 there are problems with the mail and I don't know how long it will take to receive the questionnaire. I asked to have them emailed to me and they responded they could not do that. Once a week or so I called PNC and asked if the dispute letter had been mailed.The dispute letters ( 3 ) were mailed on XX/XX/XXXX and 2 of them arrived at my home on XX/XX/XXXX. The 3rd letter still has not arrived. On the dispute forms it said I had until XX/XX/XXXX to respond with forms completely filled out. Eleven days! I called PNC and told them that the letters arrived 6 weeks after being mailed and I wanted to know what the status was. On XX/XX/XXXX I was referred to XXXX XXXX, Retail Support Case Manager, the dispute department closed the case because I did not respond in 11 days! XXXX went to the dispute department and asked them to reopen the dispute and if a secure email could be sent to me with the attached dispute questionaries. They agreed and the secure email was sent to me. On XX/XX/XXXX the documents were emailed to me and I returned them by email on XX/XX/XXXX. I contacted XXXX by phone and he contacted the dispute department and they said the case is closed because it is past the 120 day window for disputes and XXXXXXXX XXXX is not returning their call. By my calculation my response was timely. 118 days.They had two business days to settle this with XXXXXXXX XXXX and I believe they did very little for me. On XXXX I received 3 letters in the mail from PNC dated XXXX XXXX saying all 3 claims are being denied. These 3 letters took 3 months to get to me! By the way XX/XX/XXXX is the same day I talked to XXXX XXXX. PNC contacted me by email on XX/XX/XXXX to say my address was incorrect because mail came back to them about another dispute I have with a different ATM. XXXXXXXX XXXX also. My address is correct and I've gotten 3 letters after they say another was returned. In fact they sent me a letter to the same address on file that said the second dispute from from XX/XX/XXXX, which was {$400.00} was resolved. All without needing to fill out a dispute form! This letter was mailed onXXXX XXXX, XXXX and I received on XX/XX/XXXX. Everything they have sent to me has come to my address with the exception of 2 letters. To me it seems that PNC has contradicted themselves in many ways and I am looking to be reimbursed for my losses of {$1300.00}. I am also filing a complaint with SUGEF here in XXXX XXXX against XXXX XXXX. When their ATM 's are empty you don't get the cash but they take it from your account. Below is the name and phone number of the agent I talked to at PNC Bank. He was very accommodating but I can tell his hands were tied. XXXX XXXX XXXX Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/17/2022 | Yes |
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Web | Servicemember |
| I purchased a New Vehicle with a 60 Month term note from XXXX XXXX. I have made all payments with the exception of 2 extensions during the corona virus. My bank sold out to PNC bank. PNC sent me new loan information changing my term without my permission from 60 Months to 72 months, they added 12 months to my note along with fees and late charges. I went to the local office at the beginning of XXXX and spent 3 hours in there providing my original loan docs, copies of everything I had, they could not help me, but started a complait internally that would be expeditted to resolve this. a few days later I was given a retail resolution manager ( XXXX XXXX ) assigned to my case that would research and resolve the issues. There were several phone calls and discussions, I was extreemly frustrated because she was not calling on set appointment times, or answering or returning my calls. While on hold with the bank, she called leaving me a message on my XXXX stating that they did there research, and looks like I had 6 extensions for 2 months each, so thats why the loan was extended, so have a great day, glad we could solve this for you, let us know if you need anything else! She came across very condensending. I continued to call, knowing that I never had 6 extensions, this was incorrect, she never called or answered agian, and finally I was transferred to another agent named XXXX. XXXX said all the right things, apologized for her counterpart, promised to work diligently and correct the situation. She said she needed a specific amount of time. I explained to her, I would not bother or call her and wait for the date she set to hear from her. When I did not hear from here I started calling. We spoke the week before XXXX, and she told me that she would call me Wednesday the XXXX of XXXX. She did not call that day, so I started calling her on Thursday and we connected. She explaned she did not have the info was sorry, and would be calling me the day she returned from XXXX XXXX. Monday the XXXXXX/XX/2022. I called her Monday to discuss the situation, and got her XXXX stating she was not returning till Tuesday the 4th. So I left a message for her to call when she got back going again. She did not call so I left a message on Wed, Thurs, and Friday. Monday I asked to speak to another agent, and he said she was trying to reach me. So I called back Tuesday she was still not available. Wednesday She called me. I explained that I was disappointed that she was not keeping her appointments but I appreciated her call and what was the resolution. She stated that on there system they have notes of me getting 6 - 2 month extensions. I told her that never happened. I was told specifically from the bank that anytime I got an extension, or modification to the loan it had to be signed. So I asked her to please provide my signed copies showing that I signed the extension. She said they do not have those, and they got rid of that during covid. So I said well XXXX extensions you guys are alleging are pre-covid. Please show me those. She said they can not get the records. I explained to her that if they can not show me proof that I did this, I want it removed and my original loan. She said she would request that I go to my original loan, but I would have a big balloon payment at the end because I still owe this new amount. I told her that is not resolving or fixing anything. I do not owe it. So we left it at that with her saying the computer says I owe it, and No records stating otherwise. This is a total scam! No way my truth in lending statement and loan can be arbitrarily changed to reflect a new amount, new terms, and add XXXX to my original loan. I do not know what to do, and will be getting counsel next. This is wrong on so many levels. I am almost 90 days trying to resolve this, with a bank that seems to care less about resolution. How can this happen? | ||||||
| 02/10/2021 | Yes |
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| On or around XX/XX/XXXX I began having problems making my mortgage payments. I reached out to PNC and explained that I was laid off of my job and was actively looking for a job. I was told to complete a payment packet for loan servicing. I at the time included my husbands income and the back child support documents from the local clerk of the court here in XXXX XXXX XXXX. It was requested that I send in the court order and the ledger of the amount that was owed to me. I was told that it would be 30 days before they would make a decisions. I sent in all the information that was requested not 1x but several times over a period of about 9 months because they would say they didn't have what they needed. All information that was requested and submitted in a timely manner although they say it wasn't. After sometime around XXXX or XXXX of XXXX I called PNC to make sure that they had all my husbands check stubs and my documents from a contracting job I had secured and it was confirmed by a representative in loss mitigation. So later on that evening I checked the mail and there was a letter from PNC telling me that they have helped me to much and that I didn't qualify for any of their programs. So I called PNC back and wanted to speak to someone regarding the letter and the representative I spoke to said that they are still processing my application for assistance and that I will hear something from them in 30 days. So I explained that I just received a letter from them in my mail box and she said that it must have come to me by a mistake and that my file was still being processed. In the mean time there was a date set to foreclose on my house in XX/XX/XXXX. I reached out to PNC and their attorneys to see if they would work with me and PNC attorney stated that I needed to pay the {$16000.00}. owed in back mortgage payments and then a while later they said I owed XXXX and then one email said that I needed to pay XXXX. So when we offered to pay XXXX per week until we got caught up they said that it was not an option. I really didn't know what to do at that point. Although I was assured that my file was still being processed and didn't hear anything else from PNC. So basically for months they gave me the run around and my home was foreclosed on and we became homeless a couple days after they shut everything down due to the corona virus. The equity I had in my home was loss and then I was sued by an agent that worked with PNC who said they advanced me XXXX dollars for i don't know what. The county in which I live took XXXX dollars saying that they invested in my home when they gave me the down payment. But the clause that stated in the event that my home was foreclosed on it cancels out the 1st and 2nd mortgage. But they still took the money leaving me on the street. I left my home with a few things and was staying in a hotel until we were able to get a place to stay. The experience was one of the worse events in my life. I had a moral duty to not only be forth coming with PNC regarding my situation ; and I did and it wasn't enough. They dragged this situation all the way out through to the end of XXXX and ultimately foreclosed on my house in XXXX. It is my understanding that the letter I received from them regarding them assisting me as they stated " too many '' times during the life of the loan ; it seemed as if they had already made their decision. They weren't looking to help me at all. I sent in multiple packets because they would request it saying that they either didn't receive a document or they couldn't read it. So I XXXX some documents to them and then they started saying that they couldn't read them. It was my opinion that they had drawn out this situation until the end of XXXX. I do have a couple of emails from correspondence from their attorney who gave me several amounts that was due. My loan # XXXX. My single point of contact was XXXX XXXX | ||||||
| 11/28/2016 | Yes |
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| While refinancing or attempting to, pnc XXXX original valuation was above the XXXX so they felt confident especially after I explained just a couple of improvements to them. All set-pending appraisal. Appraiser from XXXX, XXXX XXXX talked to my husband on a few previous calls. Despite knowing we are XXXX and are signers, she never asked if we d needed an XXXX or accommodations. When I met her at the door, she screamed at me so hard I felt the vibrations. Claimed she 'd called XXXX times ( untrue ) and went on to say '' ... YOU PEOPLE ... '' Needless to say, I was stunned and very very confused as how that 'd happened. Very apologetic to her using gestures- again with gestures, asked if she wanted to start upstairs and she pointed her pen at my chest, touching me/my shirt, at herself and then pointed at the floor. " No, we start RIGHT HERE! " -she then asked if I XXXX, I said no just a little bit. ( It 's easy when people are XXXX, tho ). She then gave me a very slow and contemptuous look up and down and shook her head as if to say shame on you. Then made it absolutely clear she would n't write by grabbing her notepad case closer to her chest. Walked off fast to the XXXX, and I 'm just getting nervous. Then she suddenly stopped n leaned in to study XXXX of my portraits of my XXXX. She realizes the baby is XXXX and I see her face turn into pure hate. Sneers n scoffs n again walks off without even looking at me. My husband then comes out of the kitchen and I warn him off with a look/shaking my head. Told him she wo n't even let me write so he grabbed a pad for me. Right after this, I 'm listing all the improvements and we are now outside. Petting my XXXX as she now seems friendly, with them anyway. I write that they 're XXXX, too and she reacted like her hands had been burned-pulled them away quickly. So much more but the end point-she would n't even shake my hand. Valuation comes in very low n I tell the bank. Underwriter says I 'm sorry that happened to you-brief. An associate I 'd been talking to expressed a much more genuine apology. She let the lead escalation officer know. XXXX begins a dialogue with me. Meanwhile, I receive new counter offer loan papers on the XX/XX/XXXX. To be signed by the XX/XX/XXXX or lose the locked in rate n discounts. I immediately tr contacting the underwriter ASAP but do not hear from her. Next day was the XX/XX/XXXX XXXX I 'm frantic because it 's the XXXX weekend coming up. XXXX assures me we have time but I say no I 'm to sign by the XXXX. Sent photo verification. XXXX had contacted others and now more were involved. Underwriter finally responds very late that afternoon and says not to worry. Original agreement will remain with expiration at XX/XX/XXXX-no need to sign those amended papers. By this time it 's been agreed they 'd do another appraisal from this same vendor. I request an XXXX. VP of national link says nothing wrong with report -used standard methodology. This company is rated at a XXXX by the XXXX with a staff of XXXX. XXXX lost her license this past XX/XX/XXXX but now in vendor management n somehow has a license until XX/XX/XXXX. Does NOT state when re instated. I suspect she may be part owner or XXXX of the managers. Have asked national link to recess themselves as they can no longe promise an unbiased appraisal. No word yet. Their valuation was my purchasing price back in XX/XX/XXXX, just before the recession ended. bought it at XXXX below appraised value. We have invested XXXX or more but despite home prices up, XXXX of the most desirable areas and improvements such as exterior paint job with porch fixed-we are somehow valued XXXX below the termite infested damaged n simply in bad shape home back in XX/XX/XXXX? Ofc we had them fix that termite issue n new joists n subfloor put in. Extremely biased and horrible attitude-no fear of showing it-XXXX. Hoping to work with bank but need your help | ||||||
| 01/06/2017 | Yes |
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| I had a PNC Bank Credit Card that went missing overseas ( on traveling back to the XXXX from XXXX XXXX ). When I noticed it missing I promptly reported it as lost or stolen to PNC Bank. The bank ( PNC Bank ) prepared a replacement card to be mailed to my previous address ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX ). However, the online banking portal ( brand named 'PNC XXXX ' ) did not reflect the new card as active. The online portal also did not display the new credit card account as accessible, effectively not allowing a payment to be submitted so as to pay off the previous balance ( the balance on the card prior to it having gone missing ). On this discovery and in an attempt to pay the previous balance off and on-time, I called PNC Bank to ask when I would have access to the credit card account to pay off the previous balance completely and on-time. I was assured by the representative that the credit card account would become active once more, to wait until that happened, and not to worry about the previous balance becoming delinquent as the new credit card account with the previous balance would not become active until it has become accessible within the online portal. I was told that this is routinely what happens when credit cards are stolen or go missing, so as to protect the account holder from fraudulent charges. From the day of that call, I monitored the online portal ( checking it about once a day ) so that I might pay off the previous balance in full and on-time. Over 30-days later the credit card account still had not become active on the online portal, effectively not allowing me to pay off the previous balance. I continued to follow the bank representatives specific instructions to continue to monitor the online portal until the credit card account has become active and accessible once more. I then received a call from PNC Bank notifying me that this was an attempt to collect a debt. I explained the situation with the missing card and reiterated what I was told by the representative with whom I spoke when originally reporting the card as missing. I was told by the representative on this phone call that due to the circumstances I had just explained, if I payed the balance in full over the phone the bank would forgive the late payment and it would not be reported to the credit bureaus. I agreed to pay the balance in full over the phone and I believe the late fee was waived. However, I now see that the bank mistakenly reported the late payment to the credit bureaus ( which I was explicitly told would not be done ). ( NOTE : On the phone call today ( XXXX/XXXX/2017 ) the rep told me reporting to the credit card bureaus is automated. This is likely why the aforementioned mistake occurred. ) I called PNC Bank today XXXX/XXXX/2017 XXXX to explain the above. After reviewing their records, the bank rep with whom I spoke today corroborated the above information and tried to help me remedy the situation ( i.e. Have the credit card revokement and late payment removed from my credit report ). He stated that his supervisor explained that unless they can prove it 's a bank error, they can not help. I asked them to pull up the records for the call I received in collection of the remaining credit card balance, where I was told that if I pay off the balance on that call, the bank would not report to the credit bureaus. The rep today told me that they do not keep records of outgoing calls. They explained that only incoming calls to the bank are recorded/documented. The rep today verbally agreed that it sounds like a bank error, but he can do nothing about it because he can not retrieve a record of the aforementioned call. I also asked about the other, incoming calls, I made to the bank ( also mentioned above ). Unfortunately they found no records on those calls either, even though I was told these are recorded. | ||||||
| 10/03/2016 | Yes |
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| I think I 've been mislead, misdirected and mishandled on a PNC mortgage refi and boy, do I feel cheated! A devastating outcome ; I 'd have FULLY qualified for a savings of $ XXXX/mo! I spoke with my lender XXXX ( XXXX, the same mortgage rep who was involved at original house sale in 2013 ) to revisit a 'streamline ' FHA refi. Our XXXX discussion occurred in XXXX I 'd been unemployed for months, if there was a path to saving I wanted to explore it. He told me about the streamline but highlighted the greater savings on a conventional loan, if I got perm work. I could n't make the choice at the time but on XXXX, certain that rates will rise soon, I called again to inquire about the 'no cost ', 'no points ' streamline refi. Red flag # XXXX after much discussion I said let 's go forward and he suddenly mentions all these costs! $ XXXX due at closing. What?? When discussed in XXXX it was no cost, no points. He says " Oh, well that 's an option too but, you 'll save much less '' ( but that 's what I called about! What I thought we were discussing! Why is this just now mentioned?! ) Deeply frustrated but so desperately eager to lock in some savings, I agree to move forward. I ask about locking in the rate " I can only do that when we fill out the application ''. Ok, I 'll fax XXXX docs shortly to begin process- he said he 'd confirm receipt. He never did. I do n't hear from PNC again until XXXX and he can only do Monday XXXX at XXXX? Fine. On Monday, he 's a 'no show ' XXXX XXXX XXXX XXXX. At XXXX I email asking he provide times TODAY to complete app. He calls me at XXXX. Now today, on XXXX, the terms are MUCH higher ( XXXX XXXX ) and keep changing through the call. I 'm so frustrated but best I can discern it 'll still be worth the range of possible expenses at closing in two months. I agree to proceed- what can I do? Although the expenses were estimated to be $ XXXX during XXXX call & now they 're suddenly $ XXXX {$5000.00} with no clear explanation of why-just rambling, jargon and anecdotes of what some borrowers experience- " I 'm just telling you different people 's worst case scenario '. Deeply annoyed and concerned, we begin proceeding through app- I give my bank account #, SS # ... ..but when asked " You 're not working, correct? '' correct, though I 'm expecting a job offer. " Oh, well then we could do a different loan for you ... '' I reply that I do n't want a conventional loan- nothing guaranteed with job and conventional is more expensive. He says abruptly " well, I 'm having tech issues- I have to call help desk and call you back ''. Calls back 10min later and I expect we 're right back to application but instead he opens up stating " The lender credit on a streamline loan will be XXXX so {$1200.00} credit '' What?! 20 minutes earlier he calculated that very credit at $ XXXX credit. The numbers are changing AGAIN! I asked what has changed since his earlier calculation??! Stammering ( he appears to have someone at his side ... I hear conferring ). I ask what the lender credit was on XXXX when he calculated a VERY different result for me. He stammered still, said it changes every single day and he 'd have to look it up ( then look it up! ) but he ca n't. How infuriating! No explanation, no recourse, no logic! I said I 'm not sure I can continue- " okay fine, sorry. Bye ''. And that was that. I put so much time and $ into this effort already and just " bye '' Really? Zero attempt to assuage my concerns, communicate why they keep calculating wildly different estimates, why his story keeps changing. Perhaps they do n't want a current borrower paying them less in interest so they make this process as difficult and as discouraging and financially frightening as possible? I 'm no softy, I 'm a sharp professional with a reasonable understanding of banking and mortgage and nothing about this seems professional, or fair. I beg your help. | ||||||
| 11/26/2015 | Yes |
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| I first contacted PNC to get a mortgage and my account was assigned to XXXX XXXX. On XXXX/XXXX/15, he issued a pre-qual for an amount much larger than my loan amount, but he did not issue a pre-approval. I told XXXX that I needed a pre-approval. On XX/XX/XXXX, I submitted an offer on the home owned by PNC. Two days later, PNC sent a counter offer and I countered their counter. PNC did not respond for several weeks ; at least XXXX other competing offer was received. On XX/XX/XXXX, I went to a branch re my concerns that I had not got a response to my offer and that I still had not got the pre-approval from XXXX. I fear that PNC was discriminating against me because I am a single woman. I told my concerns to the branch manager ( XXXX XXXX ). XXXX attempted to call both XXXX and XXXX 's manager, but was unable to reach them. On XX/XX/XXXX, my realtor told me that PNC had accepted my offer on the house. I provided my realtor with a pre-approval letter from XXXX for the purchase agreement. XXXX then lied to me about to the status of my pre-approval. I spoke with XXXX and asked that my account be transferred to a new loan officer. My account was transferred to XXXX XXXX. On XX/XX/XXXX, XXXX issued my letter. Also on XX/XX/XXXX, I learned that as the buyer, I would have to assume the city certs, despite the fact that this is traditionally the seller 's job. While buyers sometimes do assume the city certs, this is typically disclosed in the listing. There was no such disclosure in this case ( only after my offer was accepted ). On XX/XX/XXXX, I was told that my file was clear to close and that we could close was XX/XX/XXXX ; I selected that date. On XX/XX/XXXX, I called my underwriter at PNC, XXXX XXXX, and he told me that loan officer XXXX, left PNC. My account was assigned to XXXX XXXX. On XX/XX/XXXX, at XXXX, XXXX sent me the closing disclosures. My mother and I reviewed the docs and noted many errors. On XX/XX/XXXX at XXXX, I emailed XXXX, XXXX and XXXX XXXX and notified them of the errors. I notified PNC that my mom, would contact them to discuss the errors and that they had my OK to speak with her in regards to my loan. At XXXX, my mother emailed XXXX a list of the errors. We asked that the docs be changed and that the details of the calcs be provided. At XX/XX/XXXX XXXX acknowledged receipt of this email. At XXXX, I contacted XXXX to determine if he had a chance to review my figures and to inquire if this would impact the closing of my loan. At XXXX, he indicated that PNC had made the changes and that this would not impact my closing date ( XX/XX/XXXX at XX/XX/XXXX ). At XX/XX/XXXX on XX/XX/XXXX, I still did not have the figures, so I emailed XXXX again. I reminded him that I wanted to review the figures and that I would also need to obtain a check for the closing costs. At XX/XX/XXXX, XXXX said that he would have the figures the next day. At XX/XX/XXXX on XX/XX/XXXX, I called XXXX and left him a voicemail re the figures. At XXXX, I spoke with XXXX on the phone re my concerns about the funds for close and faulty escrow calculations. At that time, he did not have figures. I also told him my concerns with re having the figures 3 days prior to close in accordance with Dodd Frank. XXXX then told me that the figures included on the disclosure stmt did not need to be accurate but merely needed to be present and that these errors would have no impact on my close date in accordance with Dodd Frank. He also suggested that I bring excess funds to the close and get a refund later. I told him no. At XXXX on XX/XX/XXXX, he called me and asked if we could postpone my close from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I said I needed the corrected figures, a closing amount, and a breakdown of how the escrow amounts were calculated before closing. He promised that he would " dumb it down so that I could understand '' when presenting the figures. | ||||||
| 04/30/2023 | Yes |
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Web | Older American |
| XXXX XX/XX/2023 my PNC card was declined for purchases. i call PNC to check on my account and was told my account had been frozen. I was told that someone in the Fraud Division had determined that I was a victim of fraud and that all of the payments ( which paid the cash advances and the balance of my personal charges ) that had been made from the person known as " the scammer '' would be returned. I will be responsible for the total balance on my card. XXXX XXXX I receive my daily balance alert from PNC and it is {$79000.00}. A day or two later " the scammer '' makes an ACH transfer payment to PNC and pays off the entire balance. I think it was on the XXXX XXXX that PNC closes my credit card account. The virtual wallet checking and savings account are frozen as well. My credit score has already dropped 200+ points XXXX XX/XX/2023 I spoke with several PNC divisions : Fraud, Customer Service XXXX Hardships, Disputes. I can't remember if there were any others. I talked to an agent named XXXX from the Fraud division the longest. He took down my information. He arranged for me to go to a local PNC bank where we could have a phone conversation with a bank representative present, to provide any help I needed with retrieving statements and documenting with them all of the fraudulent charges that were on my account. I talked with one person who offered me a one time settlement which would be for me to pay total amount charged with a 1.9 % interest rate ( over five years ) I never returned that call. I was talking with an agent from the Fraud division ; midway this person put me on hold and came back saying he was transferring me to the Dispute Resolution Division. I had no idea why. This new person informs me that because I made the charges personally, they were not determined to be fraud. Then asked me what transactions I wanted to claim as disputed ones. XXXX XXXX I talked with several departments again. While talking with the Hardships division ( not positive about that name ) and I do not qualify for anything since the balance is over the 120 % limit. Meanwhile, I am threatened by letters saying if I don't pay the minimum payment which is well over {$4000.00} they will increase the interest rate. XXXX XXXX I wrote a letter to PNC and mailed it on XXXX XXXX certified and return receipt informing them of the scam I had unknowingly been involved in and fraudulent charges were made during this time. I informed them that the legitimate charges amounted to {$11000.00}. I made a commitment to pay the legitimate charges and would pay {$1000.00} monthly until that amount was paid completely. At that time I included copies of all the statements that had fraudulent charges. These fraudulent charges include purchases of Visa gift cards, XXXX gift cards, XXXX transfers and BitCoin purchases. XXXX XXXX I made a {$1000.00} payment on my account XXXX XXXX I made a {$95.00} payment XXXX XXXX I made a {$1000.00} payment on my account. XXXX XXXX I mail certified/return receipt letter to PNC again informing them that I was a victim of elder abuse and fraud. That I would be paying the legitimate charges. I also indicated which agencies I have notified about the fraud, including XXXX Police department, national Elder abuse hotline, FBI, Secret Service, etc. I am asking that they would discharge the fraudulent charges. The collection department contact me about 10 days ago again. I explained again my circumstances and asked them to include anything new on my account. I have MANY photos and screenshots of receipts, gifts cards purchased, and pictures of Bit Coin atm screens showing purchases and the Bitcoin wallet account number. I will be including only the letters I sent to PNC but am willing to forward those if you decide you want to see them. this card info is a new account which the balance was transferred to ( ending in XXXX ) | ||||||
| 01/27/2017 | Yes |
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| XXXX Hello, I am writing to complain about PNC Bank in XXXX, MI. The bank personnel there were wonderful. My complaint centers around PNC underwriting. My wife and I recently re-financed our house last fall and credit scores were pulled. We rescinded this loan with XXXX because we were able to find a lender who would give us a rate at .50 % lower. So, we re-applied for a home loan, again credit scores, et al were pulled with XXXX. We closed the loan. Next, we had a 2nd mortgage so I decided I would take our current variable rate HELOC and pay it off with a new fixed rate loan from PNC, about 4.56 % for 20 years on {$100000.00} closed end loan. My credit score was then XXXX, my wife 's was XXXX. We make over {$XXXX} per year. We did have revolving debt of {$13000.00} most that on a zero interest balance transfer being paid down at a rate of about {$1000.00} per month. We have n't had any late payments in many, many years. We had over {$7000.00} in the bank beyond our monthly bills and my wife had over {$40000.00} in stock. Our home just appraised officially for {$660000.00} this fall and the mortgage. I told the branch manager I had cash in the bank and credit union. They never asked for a credit union statement. They never asked for information about our other real investments and their value. We never got a formal letter of declination from PNC. All we got was a call from the branch manager who said " the loan was not approved because your cc ratio to limit was too high. '' Of the {$13000.00} of revolving debt I owed XXXX {$7700.00}, but I have a credit line of {$20000.00} -- -- this is well below a XXXX % ratio of debt to limit. Of the other {$5800.00} of revolving credit I told them ( the manager ) I could pay it off right then and there with the {$7000.00} of cash I had in the bank, if I were asked to. I said tell the underwriter all of this and she said she would pass it along. I do n't believe that she did. I believe that their credit process is very flawed. The customer has {$250000.00} in equity. A record of 40 years of paying off every bill we ever took on. Earnings of over {$200000.00} per year. {$7000.00} cash to pay off {$7000.00} of {$13000.00} total revolving debt. The other {$7700.00} of debt to XXXX is at 0 % interest and being paid down at a rate of {$650.00} per month. So, if asked we would have/could have further paid down any credit cards -- -all of them therefore would have had ratios well below XXXX % regarding limit to cap. Of course, no guidance from the bank. No communication with the underwriter, or letters, or emails from the underwriter. Nothing. On top of all thati Have fleshed out here we have over {$40000.00} in stock, that could be collateral. The final insult -- -- not even a letter of declination to explain what the problem is. Perhaps PNC did n't want to do a 20 yr. fixed loan even though they advertise it because they can make more $ $ $ off of variable rates. Obviously, my credit was plenty good enough just 2 months ago to be approved for a {$410000.00} first home mortgage by both XXXX and XXXX. I would still like to proceed with this loan. If I were treated properly by this bank I should have, given by situation be at least provided with a counter offer to ameliorate said credit cards. I should have been asked about other collateral -- -like stocks, bonds. I should have been asked about cash reserves ( i.e my credit union ). None of that happened. One of their concerns was that my credit was pulled numerous times over the last year. I repeatedly tried to explain to them, that yes it was pulled by mortage companies to qualify for the best rate. I was only shopping for a great re-fi rate. This is one poorly run bank -- -I talking the underwriting. We should have received this loan. We have a strong record of paying our bills on time. Please investigate this situation and advise. XXXX XXXX. | ||||||
| 05/27/2015 | Yes |
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| I am writing this to inform you of the actions of PNC Bank NA ( " PNC '' ) starting in 2013 and continuing today. On XXXX/XXXX/13 I closed on the purchase of a house at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( the " Property '' ). PNC has failed to honor their written contract regarding this transaction. PNC has shown a pattern of unethical business activity throughout. Actions like those of PNC harm consumers and are counter to the broad public interest. It started on XXXX/XXXX/13, I entered a contract to purchase the Property as a short sale. On XXXX/XXXX/13, XXXXXXXX, the Mortgage Brokerage representing the sellers ( " XXXX '' ) faxed short sale documents to PNC. On XXXX/XXXX/13 PNC responded with an email requesting a " XXXX mortgage payoff demand letter or current statement '' implying that PNC is not the XXXX mortgage. This email is attached as Exhibit A. On XXXX/XXXX/13, XXXX sent PNC an email including an estimated HUD statement showing {$110000.00} to PNC as the XXXX mortgage holder. The email is attached as Exhibit B, and the estimated HUD is attached as Exhibit C. In XXXX 's email to PNC the representative at XXXX states PNC is the XXXX mortgage holder by writing " I believe PNC is the XXXX mortgage holder unless I am mistaken. '' On XXXX/XXXX/13, PNC sent XXXX an email stating XXXX was the XXXX mortgage and PNC was the XXXX mortgage. XXXX responded with a question asking if PNC was the XXXX mortgage, and on XXXX/XXXX/13 PNC confirmed they were the XXXX mortgage, where PNC representative XXXX XXXX states very clearly " yes, we ( PNC ) are the XXXX mortgage. '' This email exchange is attached as Exhibit D. The contract price of the property was {$150000.00}. PNC sent a payoff letter for their mortgage of {$51000.00} ( Exhibit E ), and XXXX sent a payoff for their mortgage {$56000.00}. At closing on XXXX XXXX, funds were dispersed to both lenders in the amount of their payoff letters. In XXXX 2013 I was served with papers that despite being paid per their estoppel, PNC was still trying to foreclose on the property unless they were paid an additional {$180000.00} on top of the {$51000.00} they had already collected at closing. Ever since, PNC 's contractors have continued to enter the property despite being sent a cease and desist letter. In the process of PNC ignoring the cease and desist, they ruined the landscaping that I spent thousands of dollars improving and ruined the exterior paint and damaged the stucco. They trampled the interior of the property I also spent thousands of dollars improving. PNC 's contractors removed the attic access panel and the surrounding crown molding is damaged or missing, there is evidence of wood destroying insects and insect/rodent infestation present. The property has sat for vacant and continues to deteriorate due to PNC 's refusal to acknowledge their Estoppel. PNC has caused significant financial damages to me. PNC has admitted knowledge of these facts but still refuses to compensate me and still continues their foreclosure action against the previous owner 's note despite it being paid off as agreed in their Estoppel letter. PNC intentionally deceived and defrauded me by applying the funds from my closing and applying them to a completely different loan. The title company paid them off in accordance with PNC 's own payoff letter and despite repeated requests, 18 months later they still have not satisfied the lien on the Property ( Exhibit F ). Each day I incur costs such as insurance, utilities, landscaping, homeowners association dues, and interior and exterior repairs, not to mention the {$150000.00} paid at closing, with {$51000.00} going to PNC per their estoppel to release their lien which they refuse to do ( Exhibit E ). A full timeline of events is available upon request. I am sure there are other PNC mortgage loan customers in a similar position due to PNC 's actions. | ||||||
| 08/20/2016 | Yes |
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| This is in regards to the XXXX mortgage I had on my home. My original loan was thru another lending service, and their service was outstanding. It was when PNC BANK purchased my loan, that my nightmare of 4 years began. Starting 4 years ago, when the economy was down, I was also having a medical issue that was getting worse. I started having trouble making payments, thus ended up working with the 'loan mod ' department. In hopes of lowering my payment. As time went on, it got to the point where a couple of friends of mine allowed me to use their bank account to make the payment. A ONE TIME USAGE, and that was told to the PNC BANK rep. After struggling thru a few ore months as my health went down, I was unable to make a payment. A few months later, I have the XXXX friends ask me why I used their account again to make a payment without telling them. I told them, I made no such payment. Come to find out PNC BANK withdrew monies from each account WITHOUT ANY PERMISSION. When I called PNC BANK and told them they had no right, nor authorization to take money out of those accounts, I was told, and I quote, " So sue us. '' The XXXX account holders both went to their banks ( XXXX and XXXX XXXX ) and had the charges reversed. Moving on to the next phase, I submitted four ( 4 ) different times all the needed paperwork to get the mod. Only once, was I offered a 'solution. ' The solution was DOUBLE the loan amount. I asked the rep what he thought, he said it was not good. Thus we continued trying, all the while being threatened with foreclose. I offered many solutions, but ALWAYS told no. All the while, we wanted to combine the XXXX & XXXX, but PNC BANK, sitting in second position on a 'past due ' loan would not hear of it. PNC BANK kept dragging this out, all the while I am being charged fees and penalties on this high interest rate loan. My hand were tied until they finally pulled the trigger on foreclosure. It was at that time, I was able to combine both loans and be done with PNC BANK. After bringing the loan 'current ' and in the final stages of the new loan paperwork and funding, I received my new PNC BANK loan payment book. The first payment was due 2 days before the new loan was to close, so I withheld the payment. Come to find out funding was going to be a week later, I decided to make the payment to PNC BANK. Having no trust in them at all, I called the PNC BANK phone number on my loan book. I told them I wanted to XXXX a payment so I have official record of receipt. During this time, I received my statement, with NEW FEES & PENALTIES ( mind you, the loan was current ). I asked the PNC BANK rep, she had no idea why it was there. My XXXX payment was received and signed for XXXX XXXX ( well within my grace period ). PNC BANK then held on to my payment, then posted it the date after my 15 grace period had expired, XXXX XXXX. I knew these " late fees and penalties ' were bogus. I felt they were retaliating against me for filling a complaint with The Office of the Comptroller of the Currency. When PNC BANK was paid off, they indeed returned both of those 'so-called ' late payments and penalties. I have waited for the dust to settle before filling this complaint. I feel their total lack of ethics, morals, standard banking practices and what I feel, an illegal activity in raiding other people 's bank accounts WITHOUT PERMISSION needs to be looked into by the CFPB. PNC BANK, during my entire time with them ( NOT BY CHOICE ) was a nightmare that became reality. PNC BANK did everything, not to help, but to, as I feel, sabotage all my efforts to get the loan paid off and out of their control. During this entire process, all other bills attached to this address were current and in good standing, let alone the substantial equity in this property. The CFPB should take a long, hard look into their unethical business practice. | ||||||
| 05/14/2022 | Yes |
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| BBVA/PNC Bank Summary XXXX XXXX XXXX XXXX County Sheriffs Department is the lead investigator on my wire fraud case & has indicated a username & password at XXXX XXXX XXXX has led to multiple victims of wire fraud. I am aware that PNC Bank and BBVA banked moved my money to the wrong bank and account name, into an account set up with a fraudulent ID and to an account name that made no sense to the reason of the wire. Below are the timelines as they relate to PNC Bank, XXXX I received closing instructions from XXXX XXXX XXXX XXXX XXXX XXXX, I followed the instructions to send the closing funds to BBVA Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ) Before XXXX A man going by the name XXXX XXXX , in the Unites States XXXX XXXX on a visa, opened an account at PNC Bank XXXX CO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX ) with a fake ID and a fake name. XXXX XXXX XXXX XXXX confirmed the money was sent to a BBVA account number per email confirmation on XX/XX/21 ( XXXX XXXX ) XXXX XXXX XXXX XXXX confirmed receipt of the money and we closed the condo. ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX contacted me via phone and text informing me that they did not have the money. XXXX XXXX from XXXX XXXX XXXX called the local CO branch at BBVA, they confirmed that no they did not have that account number and that the money would be returned. XXXX I contacted XXXX XXXX XXXX, they informed me that the money did not go to BBVA but to the local PNC branch in CO XXXX XXXX XXXX called the local PNC branch and spoke to PNC branch contact XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX confirmed that yes, they received the money and it had already been removed from the account. XXXX inquired about the account name that I had written on the wire transfer XXXX XXXX XXXX ( BBVA ) Reason XXXX XXXX XXXX XXXXXXXX XXXX Closing. XXXX confirmed this was not the name on the account and she stated, PNC does not move money if the account names dont match, and this would be here recourse. XXXX XXXX shared this information to me and confirmed, in all her years at the Title company, no money gets moved when account names dont match. Not for married couples, not for a middle initial, it does not happen. XX/XX/21 I spoke with XXXX, she confirmed what she told XXXX but refused to talk about the actual account with me, saying, I was not an account holder and therefore she could not speak with me, referring me to their wire fraud department. XXXX XXXX I called XXXX XXXX XXXX multiple times following up on my wire fraud claim that I placed on XX/XX/21, they confirmed multiple times that they have sent the complaint to PNC bank and that they have not received an information back. Multiple XXXX XXXX XXXX employees at the wire fraud department and at the local branches also stated that no money should have been moved when the accounts to match. After XXXX XXXX XXXX XXXX said that PNC neglected to respond and that they could not force them too. Starting XXXX Investigator XXXX XXXX of the XXXX XXXX County Sheriff began investing the account, he has subpoenaed the bank records and is aware : 1. The owner of the Account XXXX XXXX used a fake ID, he is currently being tracked through TSA records. 2. The account name that was used is XXXX XXXX XXXX. The movement of the money to subsequent accounts 4. Bank photos of XXXX XXXX. It is clear that no one at BBVA or PNC Bank followed basic procedures. The wire was sent to a different Bank Name, Different Account name, where the account name has nothing to do with closing on a property. As a consumer I should be able to rely on the banks for a basic level of competency, especially when they are very aware of wire fraud and how the crime is perpetrated. To have no basic measures of verification is place is negligent, if not for PNC actions this crime would not have been successful. | ||||||
| 11/27/2019 | Yes |
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| I originally took out private student loans through PNC for my XXXX degree at XXXX XXXX University. I was a XXXX XXXX XXXX at XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I then took out federal loans for XXXX XXXXl. I was a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The problems with my loans arise from the private student loans provided by PNC. PNC uses the service provider XXXX. ( My loans from PNC, now totaling {$130000.00}, have an average interest rate of 8.19 % and they have accrued an additional {$60000.00} in interest. My current monthly installment for my XXXX loans is over {$1300.00}. ) ( My federal loans have an interest rate of 6 % totaling around {$220000.00}. My current monthly payment for XXXX XXXX is over {$2500.00}. ) After I finished XXXX XXXX in XX/XX/XXXX, I studied for the XXXX XXXX, which was administered XX/XX/XXXX and XXXX. I did not receive my XXXX results until XX/XX/XXXX. I did not find employment until early XXXX. After being a XXXX XXXX XXXX for seven ( 7 ) years, I expected a six ( 6 ) month grace period upon graduation. Unbeknownst to me, in XXXX while I was a XXXX XXXX XXXX attending XXXX XXXX, PNC applied my six ( 6 ) month grace period. The grace period ended in XX/XX/XXXX. PNC then automatically applied an in-school deferment. Apparently, my deferment ended in XX/XX/XXXX. PNC then received a late in-school deferment for XXXX and XXXX. About one ( 1 ) month after graduating, XXXX demanded I pay over {$600.00}. I spoke to XXXX to figure out why I was not granted a grace period. XXXX informed me that my grace period was applied in XXXX while I was a student. XXXX then stated there was nothing they could do about the improper application of my grace period and again demanded payment. To avoid paying ( due to my lack of income and busy study schedule ), I asked XXXX my options. I was told I could apply for a Temporary Hardship Forbearance, which would postpone my payments for two ( 2 ) months. I was informed I could continue to file temporary hardships every two ( 2 ) months for up to one ( 1 ) year. When I tried to file another temporary hardship, XXXX informed me that I was limited to only one ( 1 ) temporary hardship. I informed the XXXX Representative that I was previously told I could file one every two ( 2 ) months for one ( 1 ) year. The XXXX Rep said that was incorrect and demanded payment. Over the next couple months, XXXX continuously gave me false information about my loans and my repayment. Also, in XXXX, XXXX told my co-signer that they would mail a " Life Changing Event Application '' to postpone my payments. We have never received an application. While trying to figure out what exactly was going on with my loans, I acquired late fees. Multiple times, I've tried talking to both XXXX and PNC to remove my late fees. Both entities have told me to contact the other. They will not lower my interest rate nor extend my payment schedule. I can not afford my payments and I refuse to pay late fees for XXXX and PNC 's mistake. If XXXX did not provide incorrect information for five ( 5 ) months from XXXX to XXXX, I could have avoided late fees. I have been trying to review my call logs and notes from the Representatives of both PNC and XXXX. I want to obtain this information to show PNC that I have been in contact with both entities and to show where XXXX led me astray and why I missed payments, in hopes PNC will remove the late fees. Each entity has stated that I need a court order for that information. XXXX and PNC then explained it was my responsibility to keep record of each and every phone call and each Representative I speak to. However, each phone call with XXXX and PNC began with a Representative stating that the call would be monitored, I did not know that I would not have access to my own phone recordings or notes written in my account. | ||||||
| 09/19/2018 | Yes |
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| In XX/XX/2018 PNC erroneously initiated a dispute to XXXX for plane tickets I purchased in XX/XX/2018. I was not given provisional credit and the dispute was closed as valid shortly there after as it was not fraud. I later found out that the complaint was submitted to XXXX who chargedback the merchant and received a refund which they submitted the to me in the amount of {$1000.00} which was issued to my PNC bank card ending in XXXX. At the time of the refund my bank account was closed but I received information and have email documentation that XXXX informed me that on XX/XX/2018 the bank stated they receive the refund and they would process the refund back to me. I didnt know that the tickets had been canceled nor that XXXX had actually gotten the dispute because I was informed in writing that the dispute was closed, therefore when I took my children to the airport to board my flight it was then at the end of XX/XX/2018 that I was informed that the tickets were canceled and a refund was issued on XX/XX/XXXX. I immediately contacted the manager of the XXXX MAryland PNC branch after about a week she reached out to the retail escalations group on the XX/XX/2018 I contacted the retail escalations group who then opened up a case to find out what happened with my money I have been speaking to a gentleman named XXXX. On XX/XX/XXXX XXXX contacted me and informed me that they found the money and they will be issuing me a certified check. After about nine days that I had not received the check I called the retail escalation group back and was told by that representative on the XX/XX/XXXX that the chargeback Department reversed that charge back refund a long time ago. I then reached back out to XXXX who investigated this further as XXXX has no documentation stating that the refund was ever reversed. XXXX did a threeway call with XXXX and me and they confirmed to him that not only have they not recieved anything my account can not receive money. I also faxed documentation to XXXX that I had received from XXXX showing the last communication they had with Pnc was XX/XX/XXXX. This was a recorded conversation per both the paypal rep and XXXX. He then contacted me and informed me that the bank actually reversed the charge back on XX/XX/2018 I have contacted the merchant where the funds were supposedly returned and they informed me that when a charge back takes place after seventy five days the case is closed and they have never received any funds from Pnc. Pnc refuses to issue me a check for the money they Owe me. no one has provided me any type of proof that the payment was even returned back to XXXX. In the end even though the chargeback was closed the merchant issued a refund therefore The money belongs to me because I was not given any type of provisional credit. These were for plane tickets that were canceled which I can prove that they are not able to be used they were for XXXX and have been canceled back in XXXX. Today XX/XX/XXXX XXXX contacted me to let me know that per his sources they return the money and they dont have it anymore. As you can tell I have been told first that Im going to get a check second that it was sent back a long time ago and then Third that it was just that back at the beginning of this month for six months Pnc has had over one thousand dollars of my money and it needs to be returned to me. I would be happy to provide all documentation showing that XXXX does not have could not have received and is unable to receive any funds in response to this chargeback as it is been over seventy five days. Today also I contacted XXXX have spoken to a manager and they did an investigation and a trace and it came back that they have not received anything. I have called literally every other day for the last Two months. To PNC. I want my money back I am owes the {$1000.00} plus interest as PNC held this money for six months. | ||||||
| 07/29/2016 | Yes |
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| My complaint is with PNC Bank : I 've owned my home for 7 years. For the past XXXX XXXX XXXX serviced my loan until it was sold to PNC Mortgage in XXXX of this year. The home is no longer my primary residence, I 've been renting it out for 2 years. I say this because often important mail is sent to the property, and not to my current residence. So when PNC sent my welcome letter and mortgage statement I did n't receive it nor did I have any knowledge of my loan being serviced by them. I continued to pay XXXX XXXX. XXXX XXXX, I received a call from PNC stating that they took over my loan and to start paying them. The gentleman updated my mailing address, and said he would resend all info I needed for my account with them. XXXX XXXX came, and I still had n't received any mail from PNC. I waited until the XXXX of XXXX, but did n't want to be late, so I assumed I should just pay XXXX XXXX. I paid {$880.00} ( {$5.00} over my mortgage ) with my XXXX XXXX bill pay, like i had been doing for the past 4 years. This was XXXX. On XXXX, I got a collection call from PNC Bank, saying that my XXXX payment was past due. I explained that I never received my mail from them, therefore did n't have an account number or payment address to send my payment. I told them I paid franklin American, they stated that the {$880.00} was never forwarded over to them. Even though this was very worrisome to me, I agreed to pay again because I did n't want my account to be any further past due. I asked the PNC rep for my loan #, and correct payment address. The rep gave me my loan number, but then hung up on me before giving me the payment address. I called back and of course got a different PNC rep and explained the situation, and said I needed a payment address. She gave me XXXX XXXX XXXX XXXX XXXX, and I asked her if she was certain this was the correct payment address for me, she was " positive ''. I then hung up and entered this information into my XXXX XXXX online bill pay and made another payment of {$880.00} on XXXX. On XXXX, I received a collection call from PNC stating that my XXXX payment was past due. I was SHOCKED. I explained that Ive made this payment twice, XXXX and XXXX. The operator asked me which payment address I was given, i stated the XXXX address. She stated that was the wrong payment address. I was LIVID!. She said the correct payment address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX. So yet ANOTHER payment of {$880.00} was unaccounted for. I told her that I do n't trust any information PNC gives me, so I would like to pay A 3RD TIME over the phone with her. She took my bank account # and routing #, she repeated them back to me, and processed the payment, this was XXXX. On XXXX I recieved a collection call from PNC Bank for my XXXX mortgage payment. I asked how this could be possible since I cut out the middle man ( XXXX XXXX Bill Pay ) and paid directly to PNC over the phone. She repeated the bank account and routing # s she had on file, and sure enough there was a number missing. She corrected the account # and processed yet another payment. By now, XXXX was due. I paid my XXXX payment over the phone on XXXX. PNC received this one then put me back in collections because there " was a stop payment put on it ''. I did NOT put a stop payment nor did XXXX. I had XXXX different XXXX way phone conversations with PNC and XXXX XXXX in which XXXX XXXX pled my case that I nor they put a stop payment. I faxed proof that XXXX was taken out of my bank account and never put back in. I was then referred to a supervisor. We spoke XXXX. He said he would research for a few hours then call me back. It has now been almost 2 weeks. I have left him XXXX voicemails on his direct line. Ive called him 6 other times. No response. I continue to get collection calls from PNC every other day. In 2 days this will be reported to the credit bureau.I am at a loss. Help | ||||||
| 08/28/2016 | Yes |
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Web | Older American |
| Please reference complaints:XXXX,XXXX,XXXX These complaints contain 4 years of history requesting XXXX XXXX XXXX, our mortgage owner the Servicer of mortgage, PNC Mortgage, and PNC Bank, the XXXX lien holder. Each time we received responses where one bank blamed the other and refused to take responsibility for failure to request the desired solution. Finally, we received approval for a deed-in-lieu from PNC Mortgage and PNC Bank, copies attached. XXXX XXXX XXXX then approved and issued a proposed deed-in-lieu agreement ( copy attached ). It requested to we move out in two weeks, which was impossible. When requested to extend that date, we received no response. Due to delay of PNC Mortgage and XXXX XXXX XXXX, we are not sure that date is still available. Most importantly, the deed-in-lieu proposal from XXXX XXXX XXXX 's attorneys provided no protection from further personal liability, unlike what my attorney has seen before. The wording in fact stated several times that they could seek any deficiency after they received the deed. In fact, our research shows it is illegal to request a deed in lieu that includes a deficiency judgment in Illinois law, copy attached. Points of fact, our sole assets are a government pension, social security and a 401k retirement account. What little cash we have left is from those sources, and it will be used for our move. XXXX XXXX XXXX 's attorneys have stated they and their investors required they include such deficiency statements with a deed-in-lieu. In past complaints XXXX XXXX XXXX has taken no responsibility in this matter, stating PNC Mortgage is the servicer. Now, it is XXXX XXXX XXXX and their attorneys who are culpable and need to remove the language that allows a deficiency judgment. PNC Mortgage has not provided decision making contacts. XXXX XXXX XXXX purchased the Loan from PNC Mortgage after PNC Mortgage took over the original mortgage as successor to National City Bank. We were never notified of this until XXXX XXXX XXXX issued a summons to us to start foreclosure proceedings. We have been in and out court with the bank attorneys who can not explain the public record, which shows only a construction loan of {$600000.00} ; this perplexed the foreclosure judge. The public record also shows a home equity loan, which were with PNC bank. PNC Bank has agreed to defer the remaining balance to {$6000.00} to be paid by PNC Mortgage upon settlement, copy attached. The second item stopping foreclosure is that the XXXX XXXX XXXX attorney can not reconcile the amount of the purported final mortgage amount, which is not filed in public record. However, documents provided by the attorney in court show a calculation error whereby the balance of the construction loan was to be increased by the extras added during the construction period. The balance was actually added to the original amount of the construction loan, copy attached. For the years we paid the mortgage we were over charged principal and interest. Also attached is a copy of the property record, which draws a picture of the collusion by these banks to structure the paperwork to avoid the property owners and their attorney from speaking of anyone of authority to resolve this situation. In fact, XXXX XXXX XXXX started foreclosure, before there was any record of the mortgage being transferred. The property record from XXXX County Court shows the foreclosure date as XXXX/XXXX/XXXX and the property recording of the transfer to XXXX XXXX XXXX on XXXX/XXXX/XXXX, signed XXXX/XXXX/XXXX ( copy attached. These documents are created and filed after the fact. In the case of XXXX XXXX XXXX, their servicer PNC Mortgage, along with the investors are avoiding following banking rules by structuring a tier of ownership to not allow the mortgagee to reach a responsible person for resolution. As stated and demonstrated in our former submissions, | ||||||
| 06/12/2015 | Yes |
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| I went to pnc bank in XXXX XXXX To make the deposit and the gentleman who worked at the bank wanted to do me a new card with my married name on it I explain to him that I would not have my ID changed with my married name on it and I did n't want to have a card that had my married name on it and my drivers license I have my maiden name on it. He explained to me that I could continue to use the card that I had until I was ready to activate the card that had my married name on it and there would be no issues so I agreed and told him he could go to the card. Well yesterday XXXX XXXX 2015 I went to go use my card and it was declined then I try to use it at an ATM instead of a merchant place in the ATM told me to call PNC. When I called PNC they explained to me that I was using the wrong card I did not understand that they were talking about. I gave the lady on my card number with the expiration date she told me that that was the wrong expiration date on the card the number was correct. I asked her if I could speak with the supervisor because I was n't understanding what was wrong. I talked to the supervisor who explained to me that when the new card is ordered to you you have 15 days to activate your card with the old card deactivated I explained to her the situation that I explained to the gentleman at the branch I asked them if they could reactivate my card because I did not have my card that was the new one on me explain to them that I have no money on me and I was at work all day and I needed to at least get lunch if there is a way for them to activate the card so I could please get something to eat because I have a medical condition that I need to take medicine with and I needed to have food so I can take the medicine they explained to me that the card is deactivated it can not be reactivated so I explain to them that I did n't know the rule of the 15 days the gentleman at the branch never told me back and I do n't think it 's appropriate to deactivate someone 's car without their knowledge. She apologize for this situation with my work not having any money or access to any money thing to them that I was at work and I could n't leave work and they said you have to go to the branch if you need money and I did n't understand why they could not reactivate my card if they deactivated it how come I ca n't reactivate it. I explain to them I needed to have access to my money back you can not deny me access to my money and that is exactly what they did. Else explain to the gentleman here I spoke with his first name is XXXX 's last name is XXXX who was not understanding to the fact that I did not have any money and I had medical issue and unwilling to fix the mistake that he and see me persistently told me that I needed to go to the branch I explained to him that I was at work and there was no branch close enough to me that I could go to and come directly back to work and when I got off at XXXX less of the branches close. So I asked if it would be an issue if I would consider friends because my drivers license name and my married name for XXXX different names would that be an issue he said it should n't be. Then I asked if I could get a card from the branch he told me no and that was a lie because some branches can give cards and XXXX did @ XXXX. So because I had to take my medicine without food because pnc denied me access to my money I was rather ill for the remainder of the day as well as today. So all in all the lack of correct information given to me by severely employee 's of PNC not only caused me not to have access to my money but also caused me unpleasant illness. Other than being sick I did n't think anything could deny you access to your money and that 's my biggest issue with PNC at the moment but they denied me access to my money I deactivated my car without my knowledge in the act as if it 's okay to do such things. | ||||||
| 09/19/2016 | Yes |
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| Describe what happened so we can understand the issue ... I have a RECURRING ISSUE with PNC BANK NA refusing to correct their records and reexporting to XXXX, XXXX and XXXX on a house that was sold, Mortgage PAID IN FULL NEVER LATE. I have repeatedly contacted PNC BANK XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about this matter. Despite numerous investigations launched by the credit reporting agencies it has been verified by PNC Bank as a a valid debt is still owed with an outstanding balance of {$37.00}, XXXX. Most recently by XXXX qoute : '' Dear XXXX XXXX, XXXX has completed your dispute for Confirmation Number XXXX XXXX We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to XXXX company that the prior paying history is being reported correctly. Additional information has been provided from the original source regarding this item. Historical account information was deleted from this account. If you have additional questions about this item please contact : PNC Bank, XXXX XXXX XXXX, XXXX PA XXXX Phone : XXXX I have included the Cash Checks for that account, The ( HUD 1 ) showing the payment and the payoff letter for PNC indicating the balance and the account number. I have repeatedly disputed this matter and remains on my credit report despite no evidence to the contrary of the attached submitted document. As you can see from the attached credit reporting this account has PAID, CHARGE OFF, FORECLOSURE PROCESS STARTED, BAD DEBT. Balances of XXXX, XXXX, {$42000.00}, {$40000.00}, {$36000.00}. PNC Bank NA is clearly misrepresentation of the legal status of this alleged debt and refuse to correct the record. The number listed by Equifax qoute : " If you have additional questions about this item please contact Phone : XXXX. '' That number is a general number and they have no record of this account. They are in clear violation of 15 USC 1692e 807. : False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. PNC Bank Na and XXXX was supplied with all of the attached documents and this item remains as a reported debt owed with a balance owed of {$37000.00} with NO EVIDENCE to the Contrary. PNV Bank and XXXX iare in clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Re-investigations of disputed information ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 3 ) Determination that dispute is frivolous or irrelevant ( B ) Notice of determination ( C ) Contents of notice ( 5 ) Treatment of inaccurate or unverifiable information making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include -- ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information | ||||||
| 01/23/2017 | Yes |
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| To whom it may concern, I am filing this complaint for four specific reasons with regards to my attempt to request a loan modification and prevent foreclosure of my primary residence. My loan is with PNC Mortgage ( PNC ) 1 ) I had previously rented a couple of rooms in my home, my renters ' vacated on or about XXXX XXXX, 2016. I was out of time at the time and I came back I found that my locks had been changed and there was a lockbox on the door. I feel this was in violation of my rights as I was never given any type of notice. I had to call PNC to gain access to the house. I was told I had the right to continue to live in the house while my loan modification was processing.I told PNC I was scared I might go to work one day and they might lock me out again. I was assured that no one from PNC would disturb me, however PNC did come to the house two more times I just I happened to be home. 2 ) Secondly, I have been attempting to request a loan modification for 6mos now and I feel that I am not being treated fairly. In short, my experience thus far has been this : I submit a complete application ; shortly after I am asked to provide more documents ; I provide the requested documents and do obtain confirmation of receipt ; I later call PNC to get a status update and am informed that I have a new Single Point of Contact ( SPOC ) and that my case has been closed due to PNC not receiving the requested additional documents and I am told that I can try again. I do try again and I get the same results : I am required to send in additional documents, I do so to my SPOC, I proactively follow up with PNC, I then find out that my SPOC has changed, and my case is closed again due to PNC not getting required documents, am told to try again. After a recent conversation with a manager at PNC it is clear that my documents were received and were not forwarded/logged in properly. I am told to try again, a third time, and I now have a sale date that is just weeks away. 3 ) My third issue is with the additional items required from PNC after my last application. In a letter dated XXXX/XXXX/16 PNC asks for XXXX items, plenty of which were already including in my XXXX-page application that was submitted on XXXX/XXXX/16. I was offended that PNC required me to send actual receipts for my food purchases, housekeeping expenses, apparel, PERSON CARE, and miscellaneous. In general, I have not had any issue supplying whatever PNC requested. However I fear that supplying this level of detail will make me prey to discrimination and other prejudices. And I must supply this items or my case wo n't move forward? How/why does the cost of my soap and XXXX, which is lessthan $ XXXX/mo, come in to play with PNC deciding to modify my loan or not!? I feel as though this is a form a harassment or aggravation and very much out of line. I am an XXXX female. And I KNOW that PNC has discriminated against XXXX in the past. I am familiar with the XXXX XXXX Dollar class action suit where PNC was found to be charging XXXX customers higher interest rates for several years. If I was a XXXX male, would I be given so many obstacles? At this point I feel as though PNC may deliberately be trying to sabotage my case and would rather take my home instead of work with me. I had a hardship, but I am past that, I am perfectly capable of paying my mortgage now. I 've had a stable XXXX for 15 yrs. I just want to be resume paying and get back in good standing. 4 ) The fourth matter is my Notice of Order to Docket ( received XXXX ). There was a statement on this document that said " modification not applicable because the house is vacant. '' At that time PNC was aware that I was living in the house. That was a blatant lie. A falsified legal document. If it said " a modification is pending '' instead I might not have a sale date right now. THIS ONLY A SUMMARY. Please see attachment! | ||||||
| 08/20/2021 | Yes |
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Web | Older American |
| I received an email promotion from BBVA Credit Card on XXXX for 0 % on all purchases from XXXX to XXXX for 6 billing cycles. The offer had to be activated by XXXX which I did. During XX/XX/2021 I charged approximately {$3800.00} on the 0 % offer. My XXXX XXXX statement showed purchases of {$1900.00}, not all of which was charged in XXXX as I understood the offer to cover. I paid my prior balance of {$1200.00} in full prior to the due date of XXXX. That statement showed NO INTEREST charges and NO PROMO balance. My XXXX XXXX statement showed purchases of {$3700.00}, of which all but {$770.00} was charged in XXXX, I was however charged {$3.00} in interest on BBVA 's purchase balance of {$180.00}. My promo balance was {$3100.00}. On XXXX I called BBVA to reverse the interest charge and given ticket # XXXX to confirm the reversal. To cover the non-XXXX charged + extra I made a payment of {$1100.00} on XXXX. My XXXX XXXX statement showed purchases of {$1700.00}. I had paid in full ALL charged NOT covered by the 0 % interest offer, but I was charged {$19.00} in interest and the {$3.00} prior interest was NOT credited. BBVA showed a purchase balance of {$910.00} and a promo balance of {$3400.00}. I called BBVA again for 1 hour on XXXX, finally speaking with Supervisor XXXX to reverse ALL interest charge. She did not understand why I was being charged interest but didnt give me a ticket #. I made 2 payments totaling {$1700.00} prior to the due date to cover my new charges to insure NO MORE interest charges in the XXXX statement. My XXXX XXXX statement showed purchases of {$370.00}. I was again charged interest, this time {$21.00} and NONE of the prior interest was credited. BBVA showed a purchase balance of {$1000.00} and a promo balance of {$3200.00}. BBVA was obviously applying my new purchase payments to my PROMO purchases which were 0 % interest until XXXX. I spoke with a BBVA supervisor, XXXX XXXX, emp. # XXXX, on XXXX who confirmed payments were going to the 0 % purchases because I had not called BBVA to specify where to apply my payments. He also told me to call BBVA 's CS # XXXX as BBVA has NO BILLING dept. and tell them how much and when I was making a payment and to apply it to my new XXXX purchases of {$370.00}. I did, saying I was making a {$400.00} payment on XXXX to be applied to my new purchases FIRST. He gave me ticket # XXXX and said he would have ALL interest reversed and call me by XXXX to confirm all was correct. I received no call. I did get my XXXX XXXX statement showing {$14.00} in new purchases, {$3.00} in new interest, a purchase balance of {$180.00}, and a promo balance of {$2900.00}. I have NO idea where they are getting their figures. I called BBVA again today. I spoke with Supervisor XXXX in XXXX, who saw all the notes and told me the charges were valid and wouldn't be reversed. I asked him who regulated BBVA. He didn't know, but gave me their legal dept #. 3 calls later and on hold for 10 minutes I was told to contact the Consumer Financial Protection Bureau. I did and was directed to this site to file this complaint. I believe BBVA to be making fraudulent promotions of 0 % interest rates they have no intention of honoring. In addition, a week later I received another promotion offer of 10 % back on all purchases made during XXXX up to {$50.00}. THAT encouraged me to charge more with BBVA than I normally would have as I didn't really need the 0 %. I did receive that credit on XXXX which {$1.00} more than the {$48.00} I have been charged in interest so far in BBVA 's 0 % promotion. When I add in the HOURS I've spent trying to understand, correct, and finally discovering BBVA 's false promotion, I lost WAY MORE THAN {$48.00} IN INTEREST. BBVA owes me much more and should be investigated for their actions. Thank you. PS My account # changed from ending in XXXX to ending in XXXX in XX/XX/2021. | ||||||
| 04/10/2019 | Yes |
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Web | Servicemember |
| I have had a checking and/or savings account at the PNC XXXX XXXX Branch, XXXX XXXX, NJ since XX/XX/XXXX. At one time, my wife and I had joint accounts for each of our XXXX children. So, I understand custodial banking accounts. Until recently, we have never had any problems accessing our accounts or resolving any issues that arose. So, over a 28-year period, we have never had any issues with our service or bank personnel. In early XX/XX/XXXX, I received a telephone call from a XXXX, NC PNC branch customer service person about assisting my niece in opening a PNC account at that branch. Without explaining the issue, he stated that my niece needed support to open a checking account. And, since I was a long-erm PNC customer in good standing that would help. Of course, I agreed. We had no discussions about opening a custodial account. And, I never spoke with or had any further contact or interaction with any NC-based PNC personnel. Nor, did I receive any correspondence or bank statements. Since my niece opened the account, a few times a year, my niece would ask for money and I would make deposits into her account. In late XX/XX/XXXX, I received a frantic call from my niece that her bank account had been overdrawn. In her hysterical and emotional state, she claimed that it was my fault because I had been taking money out of her account. Her explanation about the overdrawn account did not make any sense. In response to my nieces frantic telephone call and accusation, I called PNC customer service and visited my local branch. Interestingly, when I initially called PNC customer service, they insisted that I receive permission from my never to discuss to account Since my involvement in this matter, I have spoken to or interacted with PNC customer service personnel, at least 20 times. The issue has not been resolved. The problem from my perspective is as follows : 1. The account that I helped my niece open in XX/XX/XXXX was a regular checking account. In fact, when I initially called PNC to help understand the issues, PNC customer service required that I receive permission from my niece to discuss the account. 2. It is apparent that without consulting or informing me, the PNC customer service personnel in NC enabled, assisted and guided my niece to open multiple connected accounts without my involvement or knowledge. 3. These new connected accounts, while they may have provided some enhanced services to my niece, they also incurred additional costs and obligations to the account holder. 4. Further, PNC allowed ( most likely encouraged ) my niece to use her debit card as if it were a credit card while accumulating multiple overdraft charges/fees for each transaction. 5. During the multiple conversations that I had with PNC personnel, they alleged that the problem with my nieces account was attributed to a wage garnishment in NJ that occurred in XX/XX/XXXX. To date, PNC has not provided any documentation to support that claim. 6. On XX/XX/XXXX there were 68 Debit Adjustments to my nieces PNC bank checking account that totaled {$3200.00}. This series of transactions caused the account to be overdrawn by {$3000.00}. This overdrawn status has not been resolved. 7. None of he PNC personnel that I contacted could explain the legal and banking justification for all of the Debit Adjustments to occur in a single day. And no one could explain the connection between an alleged NJ wage garnishment in XX/XX/XXXX and the actions taken on XX/XX/XXXX to a NC PNC bank account. 8. And, worst of all, more than one PNC account representative suggested that my niece just walk away and close the account because I would be responsible as the long-term parental PNC customer. 9. After months of conversation, to no avail, on XX/XX/XXXX, I received a notice that PNC had referred the matter to a collection agency for the amount of {$3200.00}. | ||||||
| 03/30/2021 | Yes |
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Web | Older American |
| SUMMARY : I am seeking reversal of a charge to my PNC debit card in the amount of {$760.00}. The charge was made in error due to a glitch in XXXX 's ( of XXXX, Michigan ) accounting software, but PNC Bank XXXX of XXXX, Michigan ) has failed to perform adequate research regarding my claim and reverse the charge, even though it reflects on my account. I will also file a fraud claim with the FTC. FACTS : In essence, XXXX 's charged me three times. ( 1 ) One charge on my PNC debit card - Transaction A - that is not reflected in XXXX 's accounting system ( due to the software glitch ), but reflects on my PNC bank account, ( 2 ) A second charge - Transaction B - a duplicate charge made at the customer service desk when seeking to process the transaction and installation date in light of the glitch under Transaction A, and ( 3 ) a third charge on on my Visa credit card made to reschedule my installation date and pay for the same product when XXXX 's mistakenly cancelled my installation under Transaction B ( because I disputed Transaction A ). 1. Transaction A ( {$760.00} ), which was charged to my account but never reimbursed. PNC performed inadequate research and failed to find that XXXX 's charged me erroneously but never reimbursed me for this transaction. On XX/XX/2021, I ordered a slab door and two bi-fold doors ( including installation charges ) for {$760.00}. The sales associate used a local register device to charge my PNC debit card, but in doing so XXXX 's software had a glitch on their device, but still charged my debit card. Noting the glitch, the retail sales associate went with me to customer service to see if they could complete the transaction at that location ( at the customer service desk ). 2. Transaction B ( {$760.00} ), which was charged to the same debit card, and was reimbursed by XXXX 's : The customer service department ( after having spoken with their technical support team ) asked me to swipe my debit card again, but I informed them that my bank account already showed the initial charge of {$760.00} from Transaction A. Due the system glitch, they did not have a record of Transaction A, even though it reflected on my account. They told me to swipe the card again anyway. At this point two charges reflected on my banking ( checking ) account - one for the erroneous charge under Transaction A, and one for the charge at the customer service desk ( Transaction B ). XXXX 's informed me that one of their associates would call me to schedule an installation date and that I would have to dispute the first charge w/PNC Bank, which I have attempted over and over to do and still have not been reimbursed for the first charge, even though it reflects on my PNC bank account. PNC provided a provisional credit, but has failed to procure evidence of the first charge under Transaction A because the computer glitch did not record it in XXXX 's system. XXXX 's scheduled an installation date of XX/XX/2021 at XXXX under Transaction B. 3. Transaction C, charged to my account : XXXX 's failed to show up for the installation date on XX/XX/2021 at XXXX. I called customer service and they told me the appointment had been cancelled. I checked my bank account and XXXX 's had reimbursed me for Transaction B. This was an error. I disputed Transaction A, not Transaction B. I rescheduled another installation and they again charged me, but this time I used my Visa credit card. DESIRED RESOLUTION I still have not been reimbursed for Transaction A, even though it reflects on my PNC bank account, and PNC has failed to do adequate research on it. Transaction B was reimbursed because XXXX 's saw I was disputing the first charge, but that reimbursement only covered Transaction B, not Transaction A. Having cancelled the installation date under Transaction B, they schedule a third time under Transaction C and charged me again. | ||||||
| 12/11/2016 | Yes |
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| You will have difficulty believing my complaint against PNC Bank. I apologize for the length of this complaint Sometime in XXXX my checking account was compromised, I reported it immediately and requested the account to be closed. PNC incredibly claimed they were unable to close my account due to a negative balance. ( That is a blatant lie- I know for a fact PNC has the ability to close an account regardless of the status, the information I have to support my claim comes directly from an employee who monitors the programming of PNC 's DNA system ) -Additionally, the Negative balance PNC refers to was due to NSF fees resulting from my account being compromised. ( therefore a PNC error ) -Nevertheless, I waited a month, went into a branch and sat down with the representative ( who knows me well ) for over an hour attempting to resolve whatever issue PNC had and so I could close my account since there were obvious security issues. -During this time PNC continued to charge me service fees every day of at least {$7.00} I had to drive back to the branch on 3 separate occasions as a result of these fees, each time with an apology and promise to resolve the issue from PNC XXXX -Additionally, since my account was compromised I decided to review all the transactions for the month prior ( XXXX ) to the present ( it was XXXX at the time ) - I noticed a WITHDRAWL of {$360.00} on XX/XX/XXXX title as " Debit adjustment card '' and further research displayed a withdrawal from an ATM on XXXX ( about 45minutes to and hour from me ) I have NEVER traveled to that area anytime this year THIS IS WHERE MY CASE BECOMES MORE INTERESTING .... - I had ATM deposits of {$360.00} on XX/XX/XXXX and XX/XX/2016 and I do have the receipts, so I was wondering if this was a coincidence? - I drive back to the branch, the representative makes several calls, hours later it is confirmed that PNC took the {$360.00} out of my account, never provided me with a notice and never informed me in anyway until I questioned the debit. - PNC bank has refused on several occasions to provide me with an explanation. As of XX/XX/2016 I continue to have no idea why PNC bank attempted to take funds from my checking account and still refuses to provide me with a specific explanation. Particularly since I have requested the entire file as my legal right. ( is n't this is in violation of Federal Policy, once a request for my file is made. It MUST be produced? ) - Another month past and finally on XX/XX/2016 the following transaction appeared on my account " Provisional credit- Dispute pending EFFECTIVE XX/XX/2016 - Finally, on XX/XX/2016 PNC informed me that their investigation was " complete '' therefore admitting to their error and permanently returned the funds of {$360.00}. However, still refusing to provide me with specifics/details of the investigation as I have requested many times. - Additionally, PNC bank continues to refuse closing my personal checking account and I am still being charged {$7.00} daily as a " Continuous OD charge ... '' NSF fees for ACH withdrawals and monthly service fees of {$13.00}. - NOTE : The branch Rep. I am working with must continuously flag these debit fees and credit back my account. But, according to PNC they can not stop them as long as the account is open, yet they refuse to close the account, CRAZY! - The DNA system PNC bank uses is programmed by PNC bank and it can be programmed to separate disputed transactions or nearly any other way. Basically, however PNC bank 's system reacts to any transaction or issue is specifically designed to do just that. This is a fact and I can prove it given the opportunity. ( I have an unique background in programming, years ago offered a scholarship by XXXX, foregoing for an academic scholarship from XXXX while graduating with honors. the skills I posses in tech are not rivaled by many. | ||||||
| 11/19/2015 | Yes |
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| I recently went to PNC Bank in XXXX, NC to pursue a refinance on our house loan with a Harp Loan. A PNC bank representative had told us we were eligible for this type of refinance and it sounded sensible. When we met to proceed with the refinance, she told us that after further looking into it, we did n't qualify due to my employment status changing since my loan originated, but instead she had a good loan to offer us. She offered us a 15-year refinance at 4.14 % with no loan fees, or closing costs, and said this was the best savings she could offer. She told us the only difference between this and our current loan was that we would have to pay our own taxes and insurance, and would need to set up an automatic draft payment. If we paid off the loan before 3 years, we would pay a fee of around $ XXXX. We were looking for the lowest interest rate on a loan around 17 years or less, with the lowest closing costs. We had a current loan with PNC with 17 years left and around $ XXXX left on an original 30-year loan at 5.25 %. Since the loan rep told us this was the best she could offer, and we did not qualify for a Harp refinance, we took it. Upon closing the loan, when we were signing the very last of many papers, we were told that we had to open an account at PNC in order to secure the loan. This was the first we heard of that, and since we were 99 % done with the process, agreed to do this, even though we were disappointed with this lack of transparency. The next red flag that went up for us occurred the following week when we called the mortgage department to confirm our draft from the PNC account to pay the mortgage. We were told we did not have a mortgage with PNC. They recognized that our last mortgage had been paid off. After much confusion, the department eventually informed us that we now had a Home Equity loan, and they would transfer us to that department. At no time during our meetings or on any of our paperwork were we informed that we were getting a Home Equity Loan vs a traditional Home Mortgage. This lack of disclosure greatly disturbed us. When calling the loan rep to discuss our dissatisfaction with these XXXX issues, she blew off our concerns, and made excuses and denied any wrongdoing. Due to her poor response, I asked for her supervisor 's phone number, which we called, but never received a response. We did receive XXXX email from an " Escalation Department ''. We have called twice and leave XXXX messages. No one has returned our call. The most disturbing part of this loan process occurred today. After receiving another qualification letter in the mail for a Harp Loan, I called a loan representative to discuss my eligibility for this type of refinance. I gave him all my information on my past loan, and other eligibility information, and after looking into it, he assured me that as far as he could tell, I did in fact qualify for a Harp Loan, until the point in which I secured this recent loan with PNC. He said that PNC has now pulled the rights for any Harp Loan qualifications, and he is sorry, but we are no longer eligible. He also apologized that I received misinformation from PNC about any change in my employment being a factor in qualifying for a Harp Loan, clearly stating that job status is not a factor. The PNC representative clearly told me that we did not qualify because I was employed at the time of my original loan, and now currently am not. Therefore, we could not pursue a Harp Loan. I was also informed that 4.14 % on a 15 year mortgage is NOT anywhere close to the best rate I could get, and it sounds like I was given misinformation by the PNC representative about better options. We are greatly disturbed by the misinformation given us by PNC, believe we were cheated and misled, and think that our opportunity to pursue a Harp Refinance has been stolen by a dishonest banker. | ||||||
| 05/31/2015 | Yes |
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| I am filing a complaint on PNC Mortgage ( PNC ), XXXX, OH XXXX. I have requested on many occasions INFORMATION and a refund of {$3600.00} for Private Mortgage Insurance ( PMI ). Per the Home Owners Protection Act of 1998 ( XXXX ), I am entitled a refund of " unearned insurance premiums ''. I believe PNC is acting with malice, for if they cooperated with me in my request to obtain information I would act immediately to obtain a 78 % loan-to-value ( LTV ) ratio, which would cause PNC to lose forecasted interest payments and PMI. PNC has been completely uncooperative, and is breaking the law. They have denied me on every occasion information on how to reappraise my home, and to give me the dollar amount needed to pay down my balance to obtain a 78 % LTV ratio. In the event that PNC supplies me information, I will act immediately to obtain a 78 % LTV. After that, I am demanding their full cooperation in Canceling PMI with XXXX XXXX and promptly paying out my refund of {$3600.00} plus {$400.00} interest. You will find in the following pages the painstaking effort I have gone through to try and obtain information and my refund, as well as parties involved, a timeline of events, and supporting documentation. PNC 's deliberate inaction is a byproduct of having no interest of financial gain in this matter. I need an advocate to help me deal with this matter. Please consider my case. I will be eagerly awaiting a response. Further ThoughtsI am willing and financially able to reach 78 % LTV on the principle balance of my mortgage in the event that PNC cooperates with my request for information. Home values have increased dramatically in my neighborhood. Given a reappraisal I estimate I will come very close to reaching 78 % LTV. However, I have financial reserves available to pay any shortfall. I spent significant time prior to closing doing a cost benefit analysis of choosing a ONE TIME PREMIUM product vs. paying Monthly PMI and worked with XXXX XXXX to make an educated decision. I found that if I would stay in my home around XXXX years, choosing the XXXX time premium was the better option. Since XXXX XXXX assured me the ONE TIME PREMIUM was refundable like the MONTHLY PMI, there was no way I could lose. It is very strange that XXXX XXXX did not answer my last email, for he was typically very prompt in answering every inquiry. It is my personal opinion based on all the facts I have acquired, that PNC Mortgage took on an exposure ( in this case my mortgage ) that has an embedded insurance product that they do n't know how to handle. After all the communication with PNC, I have found XXXX underlying truth ; that is, the people I need to reason with ( the PMI department ) ca n't be reached, and the people I can talk to ( the customer service department ) do n't understand the problem and/or can not access the information that is needed to help me. All communication is funneled through the customer service department. They only way I can talk to the PMI department is by explaining my issue to the Customer Service department, and then subsequently, the Customer Service department will write a letter to the PMI department. It is also my personal opinion that I find myself in this situation because I am the only party with financial incentive. Per HOPA : '' PMI will automatically terminate when the LTV ratio reaches 78 percent of the original value of the property. If PMI is terminated, the servicer may not require further payments or premiums of PMI more than 30 days after the termination date. The servicer must return all unearned PMI premiums to the borrower within 45 days after cancellation or termination of PMI coverage. Within 30 days after notification by the servicer of cancellation or termination of PMI coverage, a mortgage insurer must return to the servicer any amount of unearned premiums it is hold | ||||||
| 08/10/2017 | Yes |
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| Between XXXX XXXX and XXXX I visited a merchant that appears on my account as XXXX XXXX IN XXXX XXXX PA. The following authorized charges posted to my account : XXXX - {$24.00}, XXXX - {$13.00}, XXXX - {$11.00}, XXXX - {$12.00}, XXXX - {$15.00}, XXXX - {$27.00} Several weeks after visiting this merchant, the following UNAUTHORIZED purchases posted to my account : XXXX - {$27.00}, XXXX - {$27.00}, XXXX - {$11.00}, XXXX {$27.00} I have tried to contact the merchant on many occasions ( for either more information on these unauthorized charges or for a reversal of the charges ) and they have never answered. As a result, I filed a dispute for the unauthorized charges on XXXX. However, only the charge of {$27.00} from XXXX was disputed. I was advised that my dispute was denied, due to my purchase history with the merchant. I was advised that my claim was reviewed as a completely unauthorized transaction and that I was unaware of who the merchant was. However, this is not the case. The charges from XXXX through XXXX are valid. The charges from XXXX to XXXX are UNAUTHORIZED. I am not sure if this was simply a mistake from the merchant, or if this is due to suspicious activity from an employee of the merchant. However, since I can not get ahold of them, this is unclear to me. Today, I called regarding the denied dispute. I clarified that I do have purchase history with the merchant that is valid, but the charges after XXXX are not. The representative opened three new disputes for me, and re-opened the existing, previously denied dispute. I was given one provisional credit of {$27.00}. I asked why I was not given provisional credit for all four transactions, and the representative could not provide a reason why. I was told to call back and speak with a member of the disputes team for more information when that department was available after XXXX XXXX. I called back at XXXX and was told that a request for provisional credits had been submitted. I was told it would take roughly an hour to review the request, and that I should check my account later that day. After three hours and no provisional credit, I called back again. The call was routed to a representative who worked in a PNC branch, rather than Customer Service. They told me I needed to hang up and call Customer Service again. After calling back yet again, I was transferred to a member of the disputes team. I requested a supervisor. After being transferred to the supervisor, I explained my issues yet again. I asked for the status of my provisional credit request, and the supervisor had no record of it. She then shared some troubling information with me, implying the problem will not be resolved. She told me that if I am stating the purchases were fraud, my dispute would be denied because I have purchase history with the merchant. She then told me my other option would be to file a dispute stating the amounts were wrong. If I was filing a dispute stating the amounts were wrong, it will be denied unless I can provide a receipt or a statement showing the amounts were correct. At this point, I have 1 provisional credit for 4 active disputes. I have not received an explanation as to why I do not have 4 provisional credits. In addition, I am in a position where I can not resolve my disputes. YES, I have made purchases with the merchant. HOWEVER, the charges from the XXXX until the XXXX were not authorized. I will have no way to provide a document saying they were for the wrong amount, because the amounts should not exist. The fact that I have made legitimate purchases with the merchant when I was there does not change the fact that the charges from the XXXX XXXX are unauthorized, and I did not visit the merchant at that time. I live in Maryland and visiting XXXX for one weekend. I have received no explanation as to why charges posted to my account when I was not there. | ||||||
| 12/10/2015 | Yes |
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| I responded online on getting my Truck wrapped in an energy drinks logo. My directions were that I would receive a cashiers check in which I did and after I deposited the check into my account I was suppose to take the money out within 10 buisness days and email the company and let them know. The check amount was {$1600.00}. Which I did! To get to the point I took the check inside handed it to the teller and she then begin counting out the money. I was thinking to myself How do they cash the check not knowing If the funds were even available in this guy 's account. So a few weeks went buy and I had gotten a hold of the guy that was suppose to wrap my vehicle and we were coming up with were to meet. So I look at my account and it 's a -XXXX dollars I 'm thinking how could this ever happen I 'm ruined XXXX to me is a lot of money or I would not of been looking to do the wrap in the first place. So I go to the bank and the lady explains to me that funds were insufficient on the check. Im in awe over this I 'm getting ready to have to pay all my bills been a good customer of Pnc bank for a very long time as well as my whole family and never had something like this ever happened to me. So I asked the teller a diffrent one what there procedures were on cashing checks. She explains to me if there is n't the money in your account to cover the check it has to clear through the 3rd party before it is available in Our PNC customers account. Then I begin to think why was I treated differently was I set up all kinds of things ran through my head. So I allow myself to go home and think about the situation before I called the bank manager. Well the next day I finally calmed down enough to do that and I asked her what are the regulations on cashing a check not written on PNC bank and that I did n't have the funds to cover it in my account. She explained to me the same that the check has to clear before we can make the funds available to you in your account. I then asked her why that when I brought the check in with only XXXX $ in my account would the teller cash a check from an unknown individual from a diffrent state and that does n't have an account with PNC or was a pnc check. She explained after putting me on hold for 20 mins that it was an error she did not follow procedure and that the reason she cashed the check was because Id been a long time customer of PNC bank In XXXX KY. I was relived for a second until she then begins to tell me that I would still be reliable for the check and I would have to payou it back in explained I only have half of the check left and that I felt like I did my job as a customer of the bank by going in to DEPOSIT the check. And that I did not ask for it to be cashed or expected for it to be as a matter fact. I have tried before to cash a big check but never had been successful until they found out if the check was good. That is customer relationship not cashing the check then finding out they had no funds in there account a couple weeks later. So I payed what money I had left back to the bank which was my boys deceased mothers check they get each month for XXXX ... and they then turned me over to collections on the rest I feel I was discriminated against that if the teller had done her job right none of this would of ever happened just because I was a good customer was the reason she said she cashed it on the spot. Does n't mean you do n't go by procedure, specially dealing with money that I did n't have in the first place. I could of understood if it was my name me writing the check and she trusted me but that was n't the case she was putting trust in an un known person that they had that amount of money in there account. Now I ca n't get a bank account to because of her actions I did my part as a customer and I think PNC should be liable for there actions. Thanks for your time XXXX XXXX | ||||||
| 01/07/2017 | Yes |
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| On XX/XX/2017 I visited the XXXX XXXX, XXXX branch of PNC Bank to conduct a transfer of funds from my personal checking account to another family members checking account in order to facilitate payment to a contractor performing work on my home. The contractor had finished the job on this date and as I was in XXXX and unable to facilitate payment on my own, I was transferring the funds to this family member who was at my home with the contractor. I was greeted courteously and professionally by the teller who proceeded with processing the transaction. She paused and indicated she required approval of the transaction and stepped away from the teller window. She proceeded to a desk to speak with a supervisor, XXXX XXXX XXXX. I stood at the window for nearly ten minutes waiting for " the approval ''. I then heard across the branch lobby XXXX XXXX speaking with someone on the telephone and indicated to the person on the other end " I have this guy here who is trying to transfer money '', not " a customer ''. She proceeded to discuss with the person on the phone " you need to to a look at this '' and pronounced my account number to the person. I might add there were XXXX or XXXX other customers in the branch at the time. At that point I proceeded to XXXX XXXX 's desk to inquire about the " issue ''. In a very sarcastic and condescending reply, she began to quiz me and personally attach my character with such questions as to why I needed to perform this transaction, what I was doing in XXXX, how far away is my hometown..because she never heard of it, do I work in the area, where do I work. I was completely frustrated with the questions and asked why the delay on approving the transactions. She then questioned recent activity on my account including wire transfers. I then indicated the wires were from my account with XXXX and were completed in order to make payment for the home repairs. I proceeded to offer to log in to my XXXX account to show her the transactions. XXXX XXXX refused the offer and indicated she was not approving the transaction. I again proceeded to ask why and she replied by saying I could contact the XXXX number for PNC customer service for an explanation. I then asked for her managers name and phone number and she responded her manager was on maternity leave. I then asked for the regional/area managers name and phone number and her response was to leave the branch immediately or " Ill hit the button and the police will be here ''. She then proceeded to make a personal attack on my character as I again questioned why the transaction would n't be approved. I then indicated if she would n't approve the transfer I would like the funds in cash. She flatly refused and indicated she is not approving that transaction either. I indicated the account was my account, I 'm entitled to access my cash she again responded I was " Beligerent '' and if I did n't leave she was contacting the police. I then disagreed with the beligerent statement at which point the customer service representative at the desk next to XXXX XXXX who was with a customer at the time, shouted over the cubicle wall " Oh, yes you are ''. I was absolutely floored with the treatment by XXXX XXXX and was absolutely flabbergasted another employee who was with a customer at the time would personally become involved in my matter. Since it was nearly mid-day the branch activity was moderately busy and each customer coming and going was hearing my personal information disclosed as well as the myriad of questions, making it appear I was a criminal or attempting to conduct an illegal transaction. Since XXXX XXXX refused to provide the area contact manager information, I contacted a personal friend who works for PNC in XXXX for the information. I left a voice mail message for XXXX XXXX XXXX XXXX. As of this filing I 've have not heard from him. | ||||||
| 08/29/2015 | Yes |
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| Please help! We want to resolve a very frustrating and difficult situation between us and the lien holders PNC, XXXX of our home XXXX. We built this XXXX home while on active duty XXXX. When we were reassigned in XXXX, we attempted to sell the property for {$990000.00}. After realizing the market would n't allow this, we rented it, but still kept the house listed for sale on and off as recommended by our agent at that time. We could only rent it for {$3400.00}, a huge loss each month, but we made up the difference to our {$6200.00} mortgage. After a year the renters moved. When the house sat empty for a few months we found new renters at a reduced rent of {$2900.00}. In XXXX XXXX, we relisted the home with a new agent to try to stop the monthly cost overruns. We started at {$930000.00}. Our agent - XXXX XXXX counseled that the price was too high, but we wanted to try very hard to get a sale that would cover the liens. We were able to rent the home in XXXX XXXX, at a loss XXXX {$3500.00} XXXX while keeping it for sale with XXXX. When this family of XXXX, vacated in XXXX XXXX, it took several XXXX $ to bring the home back to selling condition. We refinished the wood floors, replaced appliances, had an industrial carpet cleaner work on the carpet. The condition explained why it was so tough to sell while this family rented - they were never motivated to keep the home ready to show. Here 's the timeline of our listing XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX found a buyer finally, proposed a Short Sale XXXX SS XXXX and hired a negotiating company ( Short Sale Solutions, of XXXX XXXX XXXX but ca n't get any movement toward approval between PNC and XXXX. The SS offer of {$730000.00}, made on XXXX XXXX, XXXX is good until XXXX XXXX and may be extended to the end of XXXX Balance due to PNC is under {$670000.00}. Balance due to XXXX is under {$180000.00}. PNC says a " private investor '' only allows {$3000.00}, roughly 1.6 % of balance owed to XXXX, junior lien holder. XXXX approves the SS, but conditional on receiving {$150000.00}. The expansive gulf between offers is {$150000.00}. The intransigence of this " negotiation '' dates to XXXX XXXX, XXXX when we presented our second offer to purchase, even more than the first offer filed XXXX XXXX, XXXX. PNC has active foreclosure scheduled for XXXX XXXX, XXXX. But the SS offers nearly full payoff ( after closing ) to PNC! Despite our military transfer and inability to sell this home due to market conditions, and loss of income, we maintain the house, all utilities and XXXX fees and pay XXXX XXXX mortgage, but ca n't afford PNC mortgage. As more time passes, the unpaid balance owed to PNC grows and compounds with penalties. In this untenable position, we beg for your help because the delay impacts us the most. Our excellent credit is ruined despite paying these mortgages for 9 yrs at XXXX XXXX %, without living there for 5 yrs, before we even proposed this SS. Because the banks wo n't budge, we 'll be forced into foreclosure! We 'll lose over {$350000.00} we invested into the home, plus mortgage payments made for 9 yrs are more than {$660000.00}. As compared to the " loss '' either PNC or XXXX faces by approving this Short Sale, our world is being hit by a nuclear bomb while they stand to be hit by a tossed match ( PNC XXXX or XXXX XXXX XXXX XXXX! We have wondered about the constraints of the " private investor '' that PNC says disqualifies our mortgage from housing law protections and parameters for negotiating a SS. It seems that PNC has had an agenda to foreclose from the beginning. They never even attempted to negotiate with the buyers to see if they would be willing to bring additional funds to the table. We also had looked into modifying our loan to reduce the interest rate, but were ineligible. We just do n't know where else to turn. | ||||||
| 11/20/2022 | Yes |
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| On XX/XX/XXXX, I was notified via email by XXXX XXXX XXXX ( aka XXXX ) that the merchant can no longer service the United States market due to unregistered securities as determined by United States Securities and Exchange Commission ( US SEC ). Simply put, they are an unauthorized business operating in the US. This was not disclosed to me during my purchase, hence the dispute. On XX/XX/XXXX, I filed a credit card dispute to PNC Credit Card for a fraudulent transaction that was made on XX/XX/XXXX from the merchant named XXXX XXXX. The amount was {$11000.00} for a XXXX package. XXXX XXXX did not fulfill my purchase which I have paid for and agreed upon. XXXX XXXX XXXX package includes a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ). I decided to file this dispute after failed attempts of multiple requests for a refund from XXXX XXXX XXXX ( aka XXXX ). On XX/XX/XXXX, PNC Credit Card Dispute Department provided my account a credit for the amount of {$11000.00} while they were investigating this dispute. On XX/XX/XXXX, I received a certified letter from PNC with enclosed documents from XXXX XXXX ( aka XXXX ) claiming that it was a valid transaction and they fulfilled the purchase agreement since I received the mining computer. This is a lie. The equipment has been in their possession while hosting it. The merchant did not provide any proof of delivery to show that the said equipment is in my possession. On XX/XX/XXXX, I responded via fax to PNC with letter and documents explaining that merchant did not fulfill our purchase agreement. Please see attached letter. On XX/XX/XXXX, I emailed PNC with an article about XXXX 's fraudulent activities. Please see attached file. On XX/XX/XXXX, PNC re-billed my account for the amount of {$6100.00} without any explanation. I received XXXX letters from PNC a week later basically saying that I still owed the said amount. PNC is claiming that the merchant provided them information supporting this transaction. On XX/XX/XXXX, I talked to XXXX from PNC Credit Card Dispute Department. I explained to XXXX that the merchant 's claim that I have the mining equipment is false. Also, I explained that the XXXX package I paid includes a XXXX XXXX XXXX which I do not have and XXXX hosting fee. PNC is claiming that I only paid for the XXXX hosting fee based on the sales receipt I provided. I contacted XXXX and requested an itemized invoice multiple times but the merchant has not responded. On XXXX XXXX, I sent a letter via email to PNC with documents as a response to their claim that I still owe them {$6100.00} after their investigation. Please see attached file. On XXXX XXXX, I received a letter from PNC saying that they are investigating my dispute of the charge from XXXX XXXX for the amount of {$6100.00}. PNC requested an itemized invoice from the merchant supporting what was purchase. On XX/XX/XXXX, I sent a letter with document via email and fax explaining that I requested an itemized invoice from XXXX with no response. In addition, I explained on the letter that the invoice the merchant have provided in XX/XX/XXXX was not itemized but not according to what I agreed to and what is stated on their website upon purchase. Please see attached files. Please refer to a video below showing the breakdown of one of their packages. https : XXXX On XX/XX/XXXX, I received a letter from PNC saying that based on the findings of their investigation, they are unable to honor my claim. This dispute is valid for a full credit not only because the merchant did not fulfill the transaction ( no equipment and incomplete hosting ), but more so because of fraud. I do not think PNC considered the supporting documents I sent. Please do a thorough investigation on this case with in-depth consideration. Attached are documents for your reference. | ||||||
| 04/08/2020 | Yes |
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| XX/XX/2020I attempted to deposit money in my business checking account to cover a XXXX overdraft fee that had been assessed to account # XXXX. The ATM rejected the payment. Later in the afternoon I called customer service to find out the reason my payment had been rejected. I had been transferred to ( 3 ) representatives. ( 2 ) of the representatives said nothing just forwarded the call and the ( 3 ) representative answered the call pleasantly and upon verifying my name, abruptly became rude and stated " THIS CALL IS RECORDED AND IS AN ATTEMPT TO COLLECT A DEBT! He continued to over talk me and I said " STOP, what is this about? I called you. I went to the bank to deposit funds into my account and the deposit was not accepted. '' I don't understand what you mean that you're trying to collect a debt. I'm calling to find out what is going on? '' The gentleman began to explain to me. He stated that his statement was a MINI Miranda and by law and the fair credit reporting act he was obligated to say that to me. Again I reminded him that I was at the bank and they wouldn't accept my payment.. I also told him I was very uncomfortable as I had done nothing wrong, That I was paying and I saw no reason for him to make those statements or to treat me so inappropriately. Furthermore I requested to speak with a supervisor in order to clear up the misunderstanding, The gentleman then informed me that my account had been closed on XX/XX/XXXX because I never resolved the issue.of overdraft fees that had been assessed to the account on XX/XX/XXXX. I shared with this person that I had no knowledge that the account was approaching closure status because of that and that I was trying to pay the fees. Unfortunately the gentleman kept saying he had issued a mini miranda. I requested to speak with a supervisor again. Reluctantly he passed on the call but not to the corporate headquarters. The next rep, a retail escalations manager, XXXX did allow me to explain that I attempted to resolve the matter and that I called the branch and was told that I had to speak business banker regarding my concern but the business banker was not available to speak with me at the time that I called. However the representative stated that a message would be left and the business banker would return my call. The business banker never returned my call. When I did not hear back from the business banker after waiting for one week, I called customer service a second time. During the call the, customer service rep did reduce the fees, I had the impression that the only thing that had to occur to completely resolve the issue was for me to pay the fees. The customer service person never said anything about a deadline for payment to avoid closure of my account. According to XXXX the customer service person probably didn't have the information about the intent of the bank to close the account. Her specific words were " She had no way of knowing that was coming. ''??? Then she made an inference that I wasn't telling the truth about the ATM rejecting the payment. She also acknowledged that there was an communication error and that not much could be done about the closing. Also that it was too late for my account to be reopened that the only option available would be for me to re-apply for a new account. I shared with her that I was disappointed because of all the advertising that PNC has put out lately about being considerate of their customers in the wake of the present pandemic. In my case that wasn't true. PNC did not give me the benefit of the doubt nor did they share that they had decided to close my account without informing me and giving me an opportunity to resolve the issue. They just closed the account. I have good reason to believe that this was intentional and in bad faith due to the rejection of my payment that would resolve the issue. | ||||||
| 02/06/2016 | Yes |
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| Greetings, My file initially started with XXXX XXXX at XXXX XXXX. Shortly after, my file was pushed along to XXXX XXXX and then I did n't understand the constant shuffling but I went with it and proceeded. Then everything was going smoothly until XXXX told me to reach out to XXXX XXXX around XXXX XXXX, 2015 and my home loan was then moved again. When I first spoke with XXXX about my home loan she stated at first I was qualified verbally then minutes later when she included my student loans she stated I was not. I told her I pay nothing on them and I am on income repayment. Which I pay XXXX dollars. She then states well I have to put an amount in by law which is XXXX percent but this is totally not an accurate fact of what I pay, the amount is zero which was stated to her several times. Then she tells me she needs a letter stating the amount and what I will be paying in the future but recertification of my student loans are not until next year. I attached the letter she requested. Also, she keeps making it clear, I 'm starting completely over with PNC Mortgage and I 'm already under contract and pre-qualified. In addition, I have been toss around from one person to the next and as a first time homeowner this is a bit much. I sent her the inspection report not knowing she would go overboard with being involved, which is totally not in her core role to do such. XXXX clearly stated to her that all the issues in the report will be fixed. XXXX proceeded to over involve herself. Please help I just want to be in my home without someone putting a wrench in the process. I beginning to gather that 's she is making it more difficult than it should be and I can only assume why ; which are incompetence, discrimination and poor judgment. I have given her everything she has asked of me and she continues to add chores to the list and continuously fails to communicate these things in black in white. Also, when we initially spoke she stated it would be a 45 day closing and that 's " when '' or " if '' she takes my application. The next following weeks XXXX did not reach out or keep me updated within this process I had to call her. XXXX we would speak about my home loan she always use words, like when, if, or I do n't know with getting this loan closed. No assurance what so ever. I then sent out an email to all parties XXXX XXXX realtor, XXXX XXXX ( these emails are available upon request ) to inform them of XXXX antics. In addition, I called XXXX several times about receiving the document to sign for down-payment assistance on XXXX XXXX, 2015 and she kept stating " I am not sure if I can get it '' from underwriting, " I do n't know. '' Then three weeks later she sends the document after business hours. Which was totally ridiculous and that 's after XXXX, and XXXX stayed on her to send it. Also, she told me today she initially did not want my file and she had no knowledge of how to execute a down-payment assistance file. In response I told her that is totally unprofessional of her and that 's not my problem. Today when she informed me of my file being denied, and I also mention I will be homeless by XXXX XXXX she was so inconsiderate and detached from what I was telling her. Again, XXXX either does n't care or she does n't know what she 's doing. Furthermore, today when I spoke with XXXX she blamed other people such as XXXX for her mistakes about the HUD Flipping guidelines and XXXX spoke to her about this weeks ago and they discussed a solution to resolving the HUD flipping guidelines, XXXX refused to follow through on her end not to mention we are pasted the 45-day closing mark of XXXX XXXX, which was told to me and its in black and white. Down payment assistance is the last part of closing this loan and XXXX calls me with this information and I have already put in a notice to apartment to move. Please help | ||||||
| 02/01/2017 | Yes |
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| On XXXX/XXXX/XXXX I received an alert that my account was over-drafted by XXXX. I looked into my account to see what the problem was, and contacted the bank immediately. When I had opened this account back in XXXX, XXXX I initially set up the account to pay my monthly payment to a creditor or XXXX ; however, after talking to the court that I pay the money to, I was notified that they did not accept payments in this manner, I had to call them monthly to pay over the phone using a debit card. I immediately removed the automatic bill pay from my bank account since the court will not allow payments to come to them this way, and since that time I have paid the court directly {$100.00} using my debit card over the phone for the month of XXXX, and XXXX, XXXX. I also paid the court directly over the phone XXXX XXXX, and XXXX, XXXX. I have not had the automatic bill payment on my account since I personally removed it from my account, and nor has PNC bank ever paid any payments to the Court until just today, and in fact it does not even show on my account online that the bill pay is even set up, this was something PNC did on their own just today XXXX/XXXX/XXXX. I never authorized this transaction, as stated, it was personally removed by me back in XXXX right away after I was told by the court that I pay they will not accept any bill pay payments from my bank account. Now that I have already paid my monthly obligation of {$100.00} to the court ; which they confirmed they received already, and paid all of my other creditors, because PNC took it upon themselves without authorization to add the bill pay back on my account for XXXX, and pay out of my account XXXX that I did not even have available after paying my bills, and the court, I am being charged overdraft fees of {$36.00}, and in the negative XXXX, as well as incurring more overdraft fees when my payments that come through post. I have contacted every person within the PNC corporate that is possible today. I have contacted the bank personally, and I have been told that there is nothing that can be done as I have to sit in the negative, wait for the transaction to go from a pending withdraw to a posted transaction, then I have to dispute this, and dispute the over draft fees that occurred due to the financial institutions employees who without my consent, and without my acknowledgement went in and added the bill pay back to my account that I removed back in XXXX, and issued a XXXX payment to a court that does not even accept bill pay, and has already been paid by me. In XXXX I had opted out of over draft protection so that if ever the time comes when there are insufficient funds in my account, and a transaction tried to post the transaction would be declined saving me from getting hit with XXXX over draft fees. The bank went back in, without my consent or acknowledgement, and added over draft protection back on. I got hit with several XXXX over draft fees on my account, never got my text alert that I signed up for to show me when my account is charged, and did not even realize this was happening until I personally went to the bank to deposit my check, and was shocked to realize that I had XXXX dollars available to me from that check deposit, and a negative balance was showing. When I contacted the corporate about this I was told there was nothing that could be done, and despite I removed it, and even talked to a customer rep within corporate one week earlier who said she personally removed, it was added back on. I never received any text alert showing my account was over drafted until 1 week after me calling the bank concerning this activity that took place on my account. This is illegal, and I am another victim to their fraudulent practices ; they intentionally go in, and adjust their customers accounts without consent to make profit for the bank! | ||||||
| 10/31/2016 | Yes |
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| I was appointed guardian over my wife 's affairs and I presented a copy of the court order to the local branch in the state where my wife lives. I was informed the legal department would review and approve the documents within 24 hours. A few days later, I returned to the branch to find out that there was no record of me submitting the documents. I gave them another copy and waited in the state for a couple more days for the legal department to approve my claim. After approval, I was able to get the account set up. On XXXX XXXX, I wrote to PNC Bank to complain about the difficulty I had as well as to ask for her accounts records and who set up my wife 's bank accounts in the manner they were and why they were set up that way. The accounts were not set up in the best interest of my wife to get the most interest and I know she was misled to set them up that way. The letter also mentions that I wanted the same account info from PNC Investments and I stated that they were currently being difficult also. After more than 60 days, I have still not received a reply from PNC Bank. They did however notify PNC Investments of my letter. On XXXX XXXX, I faxed the court documents to PNC Investments. And on XXXX XXXX, a Tuesday, I called to check the status of my claim. I was informed that there was no record of my fax and could I fax the documents again. I did so that day. On XXXX XXXX, I called to check the status of my claim and was asked when the fax was sent. I said that I sent it on Monday. I was informed that there was no record of my fax and could I send it again. I refused and was going to file a complaint. When I checked my faxes, I realized I gave the wrong date and decided to call again the next day before filing any complaints. On Friday XXXX XXXX, at XXXX XXXX EDT, I called the PNC Investments help line and was informed that there was no record of my fax. Before I was asked to resend it again, I asked " who do I write to file a complaint with? '' The operator asked me to wait while she put me on hold. Approximately five minutes later, she said that the faxes had been found (? ), and I was given the name of my wife 's advisor, ( Representative A ), and that Rep A will call me on Monday to set up a guardian account. On Monday XXXX XXXX, at XXXX XXXX. EDT, I called Rep A since I had not received a call yet. I was informed that Rep A 's assistant, Rep B, would handle the setting up of the account. I called Rep B and was informed that the matter would have to be handled by someone who was licensed in the state I live in. I was informed that Rep B will let me know when an advisor was found for me to contact. On XXXX XXXX, Rep B sent an e-mail to my wife, ( unaware that I would be reading it ), asking my wife to contact Rep B because Rep B believes that there was a fraudulent inquiry concerning my wife 's accounts. Rep A and PNC Investment legal department apparently approved of the court documents I provided. When I contacted Rep B, Rep B acknowledged that I was the XXXX making what Rep B believed was fraudulent. Rep B then gave me the info concerning an advisor licensed in my state that could set up the account, Rep C. I contacted Rep C who informed me that Rep A has to be the XXXX to set up the account. By this time, I had contacted an advisor from another bank since I decided not to do business with PNC. This advisor offered his services by calling REPs A, B, and C to see if he could get the matter settled. On XXXX XXXX, he called and talked to the reps as well as talked to me. I was informed that the problem was not because I lived in a different state and had to get a different advisor than my wife, the problem was that the reps wanted my wife to tell them she wanted me to be her guardian. There is much more including being blatantly lied to on a couple occasions but I have no more room. | ||||||
| 12/31/2021 | Yes |
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| I'm a married, XXXX XXXX man, employed in the XXXX XXXX XXXX, and I built a home in XX/XX/XXXX. My mortgage is with PNC of Maryland. In XXXX, the homebuilding industry collapse and I started experiencing some financial hardship. In XXXX, while still making mortgage payments, I met with PNC to discuss refinancing my 6.6 % loan. Instead, PNC encouraged me to apply for their " Hardship Assistance Refinance Plan ( HARP ). I was instructed to apply for the HARP and a decision would be made within 2-3 weeks. I was told the process was similar to applying for a refinance and if I didn't get the HARP, they would already have the paperwork needed for the refinance. The requested paperwork included several months of employment pay stubs, bank statements, years of tax records, etc., and it all had to be " FAXED. '' Although this felt excessive, I provided the information PNC requested. After providing the information and waiting weeks for a decision, I follow-up and was told some of my information was " old '' and I needed to send updated information. I sent the updated information. After waiting several more weeks for a decision, and feeling PNC was giving me the runaround, I followed-up again and this time I was told they LOST all my paperwork and I would have to start the application process from the beginning with more recent documents. Out of frustration and anger, I called Maryland 's highest ranking officer for PNC, XXXX XXXX, President. XXXX XXXX apologized for the poor service I received and assured me the matter would be resolved. She connected me with a local PNC mortgage manager, XXXX XXXX missing last name ). After leaving a message and waiting weeks for a return call from XXXX, we talked and he was also assuring but sent me into their Loss Mitigation HARP system. This unbelievable ordeal lasted over a year. I continued making loan payments and never fell more than 2-months behind. Then the pandemic of XXXX hit and the country shut down. I reached out to PNC, and was told the CARES Act allow me to enter my loan into a " forbearance '' based on the drop in my household income. I entered the forbearance in XXXX for the period allowed. The forbearance was extended and officially ended at the end of XX/XX/XXXX. I reached out to PNC to inform them of my plan to resume my mortgage loan payments and to confirm my understanding of the forbearance plan which was to have the forbearance amount moved to the end of the loan. This is what I was told would happen by PNC. Payments after forbearance, XXXX, XXXX, XXXX and XX/XX/XXXX, are paid in full. However, PNC will not move my forbearance amount to the end of the loan. Instead, per PNC, they applied my " after forbearance '' payments- XXXX, XXXX, XXXX and XX/XX/XXXX - to the forbearance. This is not what I was lead to believe would happen. Yes, there have been many changes in the laws during the pandemic and the forbearance was extended. Everytime I speak to someone at PNC their policy seems to change daily. They are making this situation continually UNBEARABLE. Again, based on several conversations with PNC, my forbearance was to be moved to the end of my loan. PNC is not abiding by what they told me. They want me to pay the full forbearance amount and they will not move it to the end of my loan. The other option PNC offered is for me to apply for their Hardship Program- with no guarantee of approval. Been there, done that with them. All smoke screens and delays. I strongly believe this is another one of PNC 's delay tactics in order to try and take my home. Different people at PNC tell different stories. I just want PNC to abide by the forbearance program rules and move the forbearance to the end of the loan so that I can resume making my monthly mortgage payments. Ideally, I want to refinance the loan at the current market rate. Please help. | ||||||
| 11/11/2023 | Yes |
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| We are a XXXX XXXX XXXX XXXX XXXX who have been in business for over 40 years. We have a very high annual revenue compared to our working capital, which means that money moves in and out of our account very quickly. PNC has withheld over XXXX XXXX XXXXXXXX of our company 's money for over a month and refused to let us withdraw even a cent. PNC has done this without providing any reasonable justification. PNC is withholding our operating capital, which is vitally important for business operations. PNC is effectively stealing countless XXXX XXXX XXXX in interest and opportunity costs. They have not agreed to pay us interest on the money. Our first deposit with PNC on was on XX/XX/23. We made roughly XXXX large deposits from XX/XX/23 to XX/XX/23. We would transfer the money out of the account in batches to our main account to purchase additional XXXX and XXXX bullion. On XX/XX/23 we began experiencing several returned checks. On XX/XX/23 we had XXXX checks return with return code " XXXX ''. This is very uncharacteristic of our business and our customers. After following up with our customers, they informed us that the funds were available in their respective accounts, but the checks were returned anyway. After the items were returned, PNC placed a hold on our account. We made a call to customer service and PNC agreed to remove the hold. We explained that the account had never gone negative despite the return items and that we had left a large safety buffer in the account specifically to protect against returned checks, as we had previously experienced approximately XXXX returned check every month or so in previous accounts ( this is a very low frequency considering the volume we do ). Over the next month we continued making deposits of similar volume, and checks continued to be returned with the XXXX code despite our customers promising the funds were available in their accounts. After a serious discussion with our banking contact, he informed us that the likely reason for the returns was that our customers were endorsing the checks to an abbreviated name for our company rather than the full company name. We have had customers write checks out to the abbreviated name for the past XXXX XXXX with other banks because it helps avoid mistakes with customers who do not speak XXXX as a first language. We did not expect this to cause problems at PNC. We ultimately decided that we would ask our customers to endorse their checks to our full and unabbreviated company name. We had XXXX more returned item after implementing this policy from a batch deposit made on XX/XX/23. After the item was returned, PNC placed another hold on our account, which at this point contained oveXXXX XXXX XXXX XXXXXXXX XXXX. About a week later, PNC informed us that they would be ending the business relationship with us and that we were free to withdraw the funds. At the recommendation of the back office and the branch manager, we agreed to withdraw our funds via cashier 's check and part amicably. On the final approval step for the cashier 's check, the back office informed the teller that our cashier 's check was denied. Later that XXXX, a second hold was placed on the account. It is now over a month since our last deposit on XX/XX/23 and we still do not have access to over hXXXX XXXX XXXX XXXX in funds. PNC will not give us a valid reason to hold the funds. They have stated that it is due to the returned items, but the account has had not activity for over a month so there is no chance for any more returned items. This is our operating capital, which is vitally important for our business operations. PNC is effectively stealing countless XXXX XXXX XXXX in interest and opportunity costs. They have not agreed to pay us interest on the money and have provided no date when we will have access to our money. | ||||||
| 01/06/2016 | Yes |
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| This complaint is a duplicate of the complaint filed by XXXX XXXX XXXX the same date herewith. XXXX XXXX XXXX and XXXX XXXX XXXX are " the Account-holders. '' Purpose of complaint : delete, or correct, the late payment reported with the XXXX major credit reporting agencies ( XXXX, XXXX and XXXX ) ( " Credit Agencies '' ) concerning the XXXX XXXX payment. PNC Bank has refused to delete, or correct, this information, in spite of their unfair and fraudulent practices ( set forth below ). The XXXX XXXX payment was due on XXXX XXXX, XXXX. The amount due was {$230.00}. This payment was not made and a {$40.00} late fee was assessed, along with interest ; however, during the month of XXXX XXXX, PNC 's website reported an affirmative " Next Scheduled Payment, '' dated XXXX XXXX, XXXX, in the amount of {$230.00}, when in fact NO payment was scheduled. The Account-holders reasonably relied upon this information and did not take additional steps to satisfy the XXXX XXXX payment ( believing that either a payment had been affirmatively scheduled by them, or that the account was enrolled in automatic deduction ). When the fictitious " Next Scheduled Payment '' in the amount of {$230.00} was not made on XXXX XXXX, XXXX ( as indicated by PNC 's website ), the Account-holders affirmatively scheduled a payment on XXXX XXXX, XXXX, in the amount of {$450.00}. An additional payment of {$200.00} was made by the Account-holders on XXXX XXXX, XXXX. To date, the Account balance has been paid in full and no payment is due. 1. UNFAIR AND FRAUDULENT PRACTICES IN COLLECTING THE DEBT PNC 's website is unfair and fraudulent because : ( i ) it displays a false " Next Scheduled Payment, '' which includes a false payment amount and false payment date, each and every month that a balance is due ; and ( ii ) it does NOT display a due date each and every month that a balance is due. For reference, the only fields reported on the website, with respect the Account, are : Available Credit : Balance : Principal Balance : Credit Limit : Current Interest Rate : Interest Paid Year to Date : Interest Paid Last Year : Original Note Date : Last Payment : Next Scheduled Payment : 2. UNFAIR AND FRAUDULENT PRACTICES IN MANAGING THE ACCOUNT a. Suspension of Automatic Deduction Sometime prior to XXXX XXXX, the Account was enrolled in an automatic deduction, wherein the minimum payment due was withdrawn from my Account-holders ' PNC Bank Checking Account automatically and applied to the Account. Sometime prior to XXXX XXXX, this feature was disabled by PNC without the permission or knowledge of the Account-holders. b. Failure to Update the Account-holder 's Mailing Address In XXXX XXXX, the Account-holders moved from XXXX to XXXX. In XXXX XXXX, the Account-holders moved locally within XXXX. Several telephone calls were made to PNC Loan servicing and PNC customer service requesting address changes to the Account. The address changes to the Account-holder 's PNC Bank Checking Account were honored but NOT to the Account which is the subject of this complaint. PNC was made aware of the moves by the USPS on various dates ( most recently on XXXX XXXX, XXXX ) ; however, PNC did not update the mailing address. 3. FALSE STATEMENTS AND FALSE ASSURANCES REGARDING THE CREDIT REPORTING OF THE ACCOUNT : On XXXX XXXX, XXXX, XXXX XXXX XXXX called PNC 's customer service number and explained that no payment was made in XXXX XXXX because of 1. 2.a. and 2.b., above. The customer service representative conceded 1. 2.a. and 2.b., above, and refunded the {$40.00} late fee and interest. The customer service representative further stated that PNC would NOT report this payment to the Credit Agencies because of 1. 2.a. and 2.b., above, were tantamount to bank error ; however, PNC reported the XXXX XXXX payment was 30 days past due with the Credit Agencies. | ||||||
| 01/06/2017 | Yes |
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| I am reaching for your agency because I am severely disappointed with the way PNC Bank handled a disputed transaction of {$2500.00} by a company by the name of XXXX XXXX XXXX, I received a letter from PNC Bank dated XX/XX/2016, stating that they reversed the temporary credit from my account, according to them after reviewing my claim they are unable to assist me in my dispute. They say they have no documentation to support that a billing error has occurred. I believe they did n't even read my complaint. I sent a XXXX page fax to them explaining what happened, explaining that they did not provide the services that I was led to believe that I paid for. They are denying my claim for the wrong reasons, they mis-classified it as a " billing error '' when that was not my complaint. My complaint was that the company did n't provide the services purchased. I am going to explain what happened : I have fallen victim to a work from home online business scam and in doing so I have paid several companies for services that have been over promised and under delivered. I was contacted by XXXX XXXX XXXX by an unsolicited telemarketing call and led to believe that they work with XXXX marketing and XXXX XXXX. Which I was dealing with them at the time. They were to do " marketing '' I signed XXXX agreements with them and the charge on my card of {$2500.00} was signed for on XX/XX/2016 and was for Local Citation Submissions and Funnel Page ( XXXX month access ). This I am not convinced are nothing more than marketing gimmicks that were to give website exposure by posting on social media. Yes, I worked with them with the XXXX minute training calls to teach me how to post items on facebook and XXXX. I found this to be a complete waste of time and money. Not only has it proven to be useless there are no means to meter response other than google analytics ( which had no assistance in setting up ). I did what they said " post items on facebook '' and have been absolutely no advantage to this worthless marketing. They provided no type of metrics to prove any type results with use of these product. When I indicated that I did not have the money to pay for more services they solicited me for credit card balances so they could find place to charge. After XXXX - XXXX weeks into this venture with absolutely nothing happening beyond calls for more money to spend and no sight of return of investment I began looking further into this and was left with no other to resolve than this was all a scam professionally orchestrated by all parties involved. Including XXXX XXXX XXXX. I found later that none of these companies were connected and my name got passed around as an easy prey. As for the XXXX Submissions and XXXX ( 24 month access ). I do not actually know what this is or if anything has been done. As with the other companies all I have not been supplied with any type of metrics or notification of the actual implementation of this service nor results from this service if implemented. I find that I was virtually pushed through the acquisition of products I did not need. That I was being milked, they had records of my card balances and cunningly manipulated me to split charges onto both personal and business charges to the point my cards were all maxed out by products I did not really need and promises of return in investment which never happened. My request for a refund was completely ignored and at this point given their manipulative behavior I no longer whish to speak with anyone and am following the instruction of the Attorney General by reporting to my credit cards. I am recovering from a XXXX that is undoubtedly related to the stress this has all cased. I remind you that this company is just like the others simply a telemarketing company that has misled me deceptively sold me and had me pegged as a naive old man | ||||||
| 12/24/2016 | Yes |
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| I opened an account at PNC bank on XX/XX/2016 ; and had opted out for payment to be made if funds were not available. I also was told that after 30 days of having an account open with PNC there would be no holds on my checks which are paid through the Bureau of Workers Comp when they get deposited. Since the onset of my account being opened I have encountered nothing but problems. I signed up for the virtual wallet which the personal banker alleged provides effective management of my account, and I also signed up for text alerts to notify me in the event any overdraft occurred although this should not take place as I opted out for this service. Despite being opted out the bank continues to pay on items, fails to notify me via text alert that my account is overdrawn, and will not allow over XXXX of my check to be made available for over three business days ; this does not include weekends. Despite my entire check being in there with a hold on it although it has been over the 30 days, the bank has continued to pay items, and then hit me with NSF fees of {$36.00} per transaction they paid. On XX/XX/2016 I contacted the PNC corporate office, and I demanded this account to be opted out by the banker personally, and demanded the NSF fee I was charged to be reversed. I explained to the rep that the banker indicated she had the account opted out when it was set up, The rep did reverse the charge, and also assured me that she personally opted me out, and that absolutely no more transactions would be paid if there were not funds in the account to cover them. The customer service rep also verified that I was signed up for text alerts on my account. When I had ask about my check deposit only having XXXX available I was informed that I had not been a customer for 30 days. I told the rep that XX/XX/2016 to XX/XX/2016 is 30 days, and it was already XX/XX/2016 that my account was opened for 45 days now. The rep stated that the 30 days starts one month after the month I opened the account. I was not told this by the banker at all, she specifically stated that it was 30 days after my account was opened, not an additional month. Today is XX/XX/2016, and I went to the bank to deposit my check at which time I learned I had a negative balance of XXXX. I am furious! I was never notified via text, nor email that my account was overdrawn, and my account should NEVER HAVE BEEN overdrawn, the personal banker at PNC corporate OPTED ME OUT XX/XX/2016 when I called. I called the corporate office right away, and I was told they are showing I just opted out today, and that is a lie! The phone conversation on XX/XX/2016 was recorded, and I demand it be pulled. I was told by the corporate office I am OPTED OUT, I will NOT have any funds paid unless they are available. I did not OPT OUT TODAY XX/XX/2016, I was under the impression with assurance from PNC CORP that I had been opted out right away on the call I made XX/XX/2016. I tried to straighten this out over the phone, I was told by the corporate today XX/XX/2016 they see where I called in on XX/XX/2016, and was opted out yet it did not opt me out until today ; and thus, I have all these XXXX overdraft fees on my account that I never knew until today took place because PNC does not honor the text alerts as they indicate. The rep said that the individual I need to speak to is not in until XXXX XX/XX/2016, and in the meantime I have NO money to provide XXXX for my kids. This is 100 % the fault of the corporate office personnel, not mine, and now I have to pay for their mistakes. The account never sent me any alert until today XX/XX/2016 after I called them, and they lied and stated I just opted out today, I was opted out by the corporate banker XX/XX/2016 when I called, due to my phone call to them today they try to opt me out today, and just now sent an alert XXXX. | ||||||
| 04/28/2016 | Yes |
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| Due to a illness I was unable to work for over two years. I finally hit the point of running out of savings and fell behind on both my first and second mortgages. In dealing with PNC I have now submitted a complete Mortgage Modification Application 4 separate times. On the first they notified me that they needed an additional document, which I submitted timely. two weeks after the deadline date I got a letter saying it was rejected because I did n't file a complete package. The second time they lost my package so I filed it again a third time ... .they again said because my package was n't complete, they would only offer me deed in lieu of Foreclosure. ( I had submitted everything they asked for and received no notice that any documents where missing. ) In XXXX I gave them one last opportunity, I filed a complete Modification Application checking each item off as I went. I sent that in on XXXX.I received a return text that my documentation packet was received and that they had received all four emails and all XXXX requested documents. On the XXXX I received notice they were missing the main application. ( Which I had included in the first of four emails. ) I resent it. Forward now to the end of XXXX, I get notification that I have n't yet submitted a modification request application and that they are missing the application, bills, tax returns, budget, P & L statement ... etc ... ALL of the documents they said they received back in XXXX. When I questioned it, they said all that mattered was they did n't have it to process it. I am furious! I have spent a minimum of 6 hours each time I had to gather copy and email the applications. I checked off each Item. I could see maybe having one item slip through the cracks ( actually not on the fourth one because I painstakingly checked off each item. ) but the entire application ... .again!! So I have been trying since last fall to submit the documentation, 4 times ... and have XXXX to show for it. They have switched my Single point of contact XXXX times and now have me talking to a department head who has sent me three emails instead of calling me as I requested, and on each of his emails he basically insults my intelligence as he keeps saying that I have n't turned in the documents so they ca n't alter their dates or provide solutions ... Actually in his last two emails he admits he has XXXX of my documents ( which they said they did not have ) but XXXX I was told that the electronic signature I used was not allowed, even though I asked specifically before using it and I had been using it since last fall on some documents. He also told me that the XXXX document I used was wrong ... even though I got it right off the IRS website ( PNC 's answer is the IRS is wrong in the document you need to file with the IRS to allow tax synopsis to be viewed??? ) So as you can see PNC is either playing games with me or has no ability to handle modifications properly. I have literally filed 7 months of bank statements 3 months of bills XXXX pay check stubs and budgets, P & L 's and EVERYTHING they have asked for ... only to be told PNC has lost or mishandled my documents or that I missed a deadline because although I was timely with my submission, they did n't get it to the right department on time. I am more than upset with their inability to give anything that resembles Customer Service. It is as if they WANT my condominium ( I know the banks do n't want properties ... so why ca n't they be professional and use my information to offer me loan modifications? There delay has also caused me to fall behind on my second mortgage and that one is now being written off as an asset by XXXX. Had PNC been timely I could of worked out a solution with XXXX XXXX XXXX, but PNC 's delay made it impossible to work on the second since we had no resolution to the first. | ||||||
| 12/31/2021 | Yes |
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| I was a BBVA customer, then PNC bought BBVA so I became a PNC customer. I received student loans into my online checking account so I had a balance that was more than I usually have. BBVA dropped the ball as they basically disappeared overnight. I had my debit card stolen and it was used by someone else, BBVA did research and deemed it fraudulent and I received my money back. The overdraft fee domino effect caused from the fraud made my statements hard to interpret. I was convinced an error had been made, I estimated the mistake to be approximately XXXX or XXXX off in my favor. I was in my final weeks of college so I decided put business matters aside in order to graduate. I began receiving all of my new PNC banking information- I never would have stayed with them because BBVA was a free account and in fine print PNC was not. I did not use my PNC account, I was waiting for a resolution before I added any confusion. I could no longer access my BBVA statements via the web and a branch is 2 hours away. I called PNC multiples times. I was told they bought company BBVA but not their debt, I challenged that and was then told by PNC that they could help me. I finally got in contact with an individual at PNC who discovered how to access prior BBVA statements. I was able to upload them and he told me to take the weekend to look over them to contact him on Monday with the mistake that I was trying to describe. I waited on hold on Monday morning for several hours got on the website and it was all different and I could no longer find the statements. Finally when I spoke with a banker I was told that my account was charged off and it was in a collections for the total of {$20.00}. I can not believe they canceled my account over {$20.00}, especially when a complaint or dispute has been filed. I would not have had a {$20.00} balance had it not been for the fraudulent transactions and the mistake that was made that I'm getting ready to discuss. XX/XX/XXXX my statement shows a duplicate charge from an ATM withdrawal for the amount of {$200.00}. Stay withdrawal entry on the statement is the exact same date the exact same amount the exact same ATM and transaction number, along with fees for the withdrawal. I have opened up disputes and been denied and today XX/XX/XXXX I spoke with XXXX, after we had played phone tag for over a week which is basically how the entire communication attempts with PNC typically was handled. She informed me that my dispute have been denied due to the fact that 60 days is their dispute limit. I'm not quite sure how I could dispute this charge with them if I could not contact anyone or if Representatives did not know how to give me my statements. I finally received all of my statements when I went into a branch that was 2 hours away. I told XXXX that I became a PNC customer one of the merge happened XXXX and had never used my PNC banking card. She did not seem the least bit concerned about a resolution more about how I was going to pay the {$20.00} that was charged off and my account was closed. This baffles me, to dohat somebody would close your account over {$20.00}, especially after numerous calls complaints and disputes regarding the account in its entirety. I feel that it is not my fault or issue or problem that BBVA merged or was bought out by PNC during a fiasco that left me with a closed bank account, {$20.00} going to collections, and hard work and research, trying to figure out a resolution in order to present to PNC. There is not one individual who tried to make one effort to help me solve my issue, in fact it seems a little strange that whenever I try to let them know that there was a mistake or a problem, my account was closed immediately. I feel that I'm owed {$200.00} from PNC because they bought BBVA and BBVA did not finish their part prior to the merge. | ||||||
| 09/27/2017 | Yes |
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| On XX/XX/XXXX, I overwithdrew my PNC Bank virtual wallet A/C by {$18.00}. I 'm not working and I did n't have the money to pay it immediately so I called PNC on XX/XX/XXXX to cancel the account so I did n't incur anymore fees. I was told that the account was closed. On XX/XX/XXXX i got hit with a continuous OD Charge 3 days for {$21.00}. on XX/XX/XXXX a XXXX automatic charge was posted to my a/c for {$9.00}. I forgot about this auto charge but at the same time, I figured if the a/c was closed, it should'nt go thru. Then, between XX/XX/XXXX I was hit with another {$85.00} in charges, overdraft fees, continuous od charges. On XX/XX/XXXX I received in the mail a notice that my virtual wallet account was converted to a standard checking account. My virtual wallet account was never closed. I was never told that my a/c would be converted to a standard checking a/c and never told the reason why it was. I contacted PNC via phone and XXXX about 4x between XXXX I went to the PNC Bank in XXXX XXXX DE XXXX XXXX and explained the situation. I was told that the PNC on the phone on XXXX should 've never told me that the a/c was closed b/c since the a/c was overwithdrawn, it could not be closed. She could not tell me why the virtual account was converted into a standard checking account. Also, I am listed as a secondary on another checking a/c with PNC. My husband is the primary. I asked the PNC rep at the bank if the monies in this checking account can be used to reconcile the virtual wallet checking/standard checking account overwithdrawn balance and I was told no b/c the checking a/c I was listed on was not a primary a/c under my name, it was my husband who is listed as the primary and since he was not listed on my virtual wallet/standard checking a/c, the monies could not be used. During all of this, I contacted PNC via XXXX and a rep by the name of XXXX XXXX @ PNC contacted me via e-mail. I called her w/ the phone number provided in the e-mail. She stated she was on a recorded line Here is the recap of the conversation : At the beginning of the call, the balance of the A/C ( virtual wallet/standard checking ) was negative ( - {$170.00} ) You reversed two {$36.00} fees as a courtesy, Thank you. Balance of A/C ending in XXXX ( virtual wallet ) is now negative ( - {$100.00} ) I stated I will try to reconcile the a/c ( virtual wallet/standard checking ) to a {$0.00} balance when possible. You stated the a/c can not be closed b/c it has a negative balance and that it would continue to incur fees until the a/c is reconciled to a {$0.00} balance You stated that another checking a/c where I am listed as secondary a/c ending ( this is the a/c I 'm listed as a secondary and my husband is the primary ) XXXX, the funds may be withdrawn by PNC Bank in the future to reconcile a/c ( virtual wallet/standard checking ) ending in XXXX. I notified you that a PNC Bank employee I saw in person @ the XXXX, DE location on XX/XX/XXXX told me that A/C monies ending in XXXX could not be used to reconcile A/C XXXX XXXX virtual wallet/standard checking ) b/c I was not the primary on A/C ending in XXXX. I sent this recap to XXXX XXXX via e-mail after the phone call. So now, I have XXXX conflicting reports, on PNC bank rep says the a/c ending in XXXX ca n't be used to reconcile a/c ending XXXX and another one says it can be used to reconcile a/c ending XXXX. My husband is already very upset about this and at me and he does not want the monies in a/c XXXX to be used to pay to reconcile a/c XXXX. Money is already tight and we ca n't afford to pay all the fees. We are willing to pay the amount we overwithdrew and I was able to get {$14.00} into the virtual wallet a/c ending in XXXX via paypal. Im working on getting more but more and more fees will be posted every day I ca n't put money in the a/c. | ||||||
| 09/14/2016 | Yes |
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| My husband and I purchased a house in XXXX. In XXXX we legally separated. I kept exclusive possession of the house, and made all payments timely for 5 years. As our divorce finally came to finalizing, we had to decide what to do with the home. I placed it up for sale in XXXX with a Realtor. At the same time, the attached twin to my home also went up for sale. They gradually dropped {$40000.00} to a final selling price at {$210000.00} approximately XXXX. This home had central air, brand new kitchen, bathroom, loft, new roof and off street parking. Unfortunately, we bought our house when the bubble was still overpricing homes. We bought the home at {$230000.00}, and at the time of placing the home on the market, we owed approximately {$210000.00}. We never received one offer on our home, even though we did dropped the price to the very lowest, so we could make settlement charges and meet the mortgage note. I started a Short Sale application with PNC Bank in XXXX. I hired a new realtor very experienced in the is area. I was informed that due to the market and the exact twin attached to me, selling so low, we were underwater. She suggested a Short Sale. We both agreed to try this. The house was placed on the market again under this second realtor for {$190000.00} and sent a second Short Sale application to PNC in XXXX. Simultaneously, we received an offer from a very able buyer and offer for {$200000.00}. We thought this would be wonderful and PNC would accept a Short Sale, since it was so close to the mortgage note. Prior to the offer from the buyer, the first Short Sale application appeared to be denied, and a HAMP modification was mailed instead. I was confused by this, but then after the offer came in, we moved forward with another Short Sale application with the buyers offer, mortgage preauthorization and money in escrow. Our Divorce Hearing was heard in XXXX. It was written in the Divorce Agreement that the house was to be sold under Short Sale. No Quit Claim was every entertained, as everyone including the XXXX that such a strong offer would be honored by PNC. The Short Sale was denied again. We never received a clear reason why, but another HAMP modification that now increased from {$1500.00} to {$1600.00}. In XXXX, the Realtor had to release the buyer from the agreement and we lost our buyer without a Short Sale approval. In an effort to save my credit and avoid foreclosure on the home, I called PNC XXXX. I asked the representative could I sign the HAMP agreement, as I could afford these mortgage payments with them being lowered. But, instead, I was informed by that " without XXXX ' signature ( my now ex husband ) the agreement is null and void '', and they could not accept the HAMP payment. I was shocked and dismayed as I wanted to save my home for my boys after the Short Sale denial and feeling I had not other choice, I could avoid the foreclosure and make payments and was being denied this without a Quit Claim from my ex husband. Yet, I informed PNC back in XXXX during the third Short Sale application, that the Quit Claim did not exist. My ex husband was being uncooperative and would not communicate with me or legal counsel. I told them I had exlusive possession of this home for 5 years and was making payments faithfully until the Short Sale application and wished to honor the HAMP to avoid foreclosure and was told no. Last week, I was informed I am not in foreclosure status. I feel like I have acted in good faith and sincere due diligence to sell this house and then ultimately save it from foreclosure and PNC impeded all attempts to avoid foreclosure. This house could have been sold for {$6000.00} less of what was owed on the mortgage, and could have been receiving HAMP payments from myself, now we are in foreclosure for no reason other than acts of bad faith. | ||||||
| 09/15/2021 | Yes |
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| I have a checking account with BBVA which is now part of PNC Financial Services Group , Inc. I only have one task/objective - closing my checking account with them. On or about XX/XX/21, I called BBVA 's customer service number and was informed that I need a XXXX balance in order to close my account. Accordingly, I initiated an electronic transfer for {$4400.00} ( my remaining balance with BBVA ) to an external bank account later that day. The BBVA website indicated that they will charge me a {$3.00} fee ( which I am okay with ) and the maximum amount for a transfer is {$5000.00}, which was not a problem as my transfer was less than that threshold amount. The status of the foregoing transfer was " UNDER REVIEW. '' On or about XX/XX/21, I submitted an online inquiry regarding this status because I wanted to remedy any issues so my transfer wouldn't get denied. I attached the response BBVA provided to me indicating that the status may be due to its large or unusual amount. They also informed me to contact its Enterprise Fraud Department ( EFD ) by telephone. On XX/XX/21, I received a text from BBVA informing me that the transfer " for {$4400.00} previously under review has been blocked. '' Attached is a true and correct copy of that text. BBVA did not provide me any reasons as to why my transfer was blocked. Since XX/XX/21, I have been calling BBVA who has been playing ping pong with me by transferring me to different departments, including the EFD. No one has been able to give me any answers and I have been on the phone for approximately two hours. On XX/XX/21, I received a message from BBVA ( attached ) which can be accessed when I login onto their website and informed me that the transfer was denied because it was not verified by the EFD. However, I have already called the EFD who has told me they are unable to help me. Also, shouldn't EFD contact me to verify before outright denying the transfer? On XX/XX/21, after many calls, I made one last call to ask if they have an email address and XXXX, the representative, said BBVA does not have any. Instead he suggested I go to a local BBVA branch. I informed XXXX that I live in Hawaii and there are none here. He said that calling appeared to be only way I could address my complaints as I told him my frustration of having no one help me over the phone. I also asked if there was an address I can write a letter to and he said there was none. XXXX suggested I fax a request to BBVA to close my account which needed a notarized signature. I asked how long would it take to process and he said approximately a month. I also googled PNC as I could not find any support from BBVA and discovered an email address, XXXX. Unfortunately, I sent them an email regarding my foregoing concerns and the email bounced back which I have attached. I feel that BBVA/PNC have been misleading and deceptive in making it difficult to close my bank account. I believe they are unlawfully holding my money and withholding important information as to why my transfer was blocked. It is unfair that I have to get a written request notarized which may take approximately a month to process when I could do an electronic transfer which can be done in a couple of days. Also, I XXXX searched how to close my BBVA account, and BBVA provided only one form. I interpret their form as how to close an account with another bank account so you can transfer your funds to BBVA. It seems odd they they do not provide a form where you can close a BBVA account and transfer it to another account. I am frustrated that their online responses and phone call representatives are unable help with this easy and common task and those are the only two ways I can request for help. I would not be surprised if I submit my notarized request and it gets blocked/denied for unknown reasons. | ||||||
| 12/06/2018 | Yes |
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| My daughter sends me a monthly check for {$1400.00} and I routinely deposit this into my personal checking account using the drive-up ATM at XXXX, XXXX XXXX XXXX XXXX, PA XXXX. I did so about noon on XX/XX/18, a Sunday. The sun was shining brightly on the ATM screen, and the image was dim, so I had some difficulty interacting with the machine but proceeded nonetheless. At one point I requested that my check be returned without depositing it. My ATM card came out of the machine, but not the check. I received no transaction receipt. I checked online to see whether the transaction went through. It did not show up on the online display. The following day, I went to the branch office and explained the situation. I filed a " dispute, '' and they provided me with a provisional credit for {$1400.00} ( see transaction dated XX/XX/18 on the list of transactions ). They told me that this was a process that would take some time to resolve. I explained to my daughter ( who had written the check I deposited ) that the check was in limbo, perhaps lost. After passage of time, my daughter chose shortly before XX/XX/18 to stop payment on the check. She informed me of this action, and I contacted PNC to inform them that she had stopped payment on this lost check. They reversed the provisional {$1400.00} credit ( see reversal of provisional credit dated XX/XX/18 on list of transactions ). At this point my daughter owes me {$1400.00} but I am even with PNC. All seemed OK until I noted a {$1400.00} charge to my account dated XX/XX/18. This was labeled " RET DEP ITEM. '' I have attached a copy of the check and the information about this transaction. Note that the check number is XXXX, date XX/XX/XXXX and that the notation from PNC indicates that it was to apply to " Deposit date XX/XX/18. '' You can verify from the statement of transactions that this check was never actually deposited on XX/XX/18 or any other date. At this point I am out {$1400.00}. It is important to note that I have made multiple ( typically monthly ) deposits of {$1400.00} about the XXXX of each month. None of the actual {$1400.00} deposits is for check number XXXX dated XX/XX/XXXX -- only the original provisional credit which was subsequently reversed. This means that the check was never actually paid. However in the process my account received one {$1400.00} credit and two {$1400.00} debits. I am out {$1400.00}. I tried to resolve this matter with an online chat, but the person involved indicated that this required that I speak in person with personnel at the branch office. I did so on the afternoon of Wednesday XX/XX/18. I spoke to personal banker XXXX XXXX NMLS ID XXXX at the XXXX XXXX branch office. He immediately understood the error and explained to me that the problem would be resolved -- it would just be a matter of time. Mr. XXXX, over at least one hour, called five separate offices within PNC. Each seemed to indicate it was not their problem, that the customer was mistaken or that somebody else should deal with the matter. I returned to the PNC branch office on two or three subsequent occasions to follow through on this matter. They assured me that they were working on the matter, that the team had spent " 5 hrs working on this '' and that they had " escalated the matter. '' On Monday XX/XX/18, they indicated to me that would receive a call from another office that would definitely handle my problem. Today it is XX/XX/18, and I have received no phone call. The {$1400.00} erroneous charge has not been reversed. When I called PNC directly, I was told that I must work through the branch office only. At this point I am seemingly at an impasse. The staff at the branch office clearly acknowledges that I am out {$1400.00} and should be refunded. Neither they nor I have been able to make that happen. | ||||||
| 12/29/2015 | Yes |
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| To : PNC Headquarters, Executives, managers, Attoreny General of New Jersey, Attorney General of New York, Federal Trade Commission, Consumer Financial Protection Bureau, XXXX, XXXX, PNC Bank From : XXXX XXXX, XXXX XXXX, XXXX XXXX, New Jersey, XXXX, XXXX : XXXX This letter is to inform you that the ATM held recently about {$2200.00} of my money, but spit out the balance from {$9500.00}, it said transaction not processed, and spit out a receipt without the PNC logo, no date, just the words, " CASH RETAINED '' followed by numerous zeros and numbers, and the XXXX and XXXX PNC bank manager, XXXX XXXX, handling of me. I have gotten this before on numerous occasion but thought it meant that the cashed retained was deposited into my account, as this is the main method i sued to deposit money. Because of this holding my money and not depositing it into my account, I went into the PNC Bank on XXXX XXXX XXXX, XXXX, New Jersey XXXX and spoke with the manager, before he saw the receipt he said the ATM do not give any such receipt, and i insisted he look on it, before he said what he said, he did not and then eventually did, when he look at it, he was saying this looks fake ( I must say ONLY BECAUSE HE SAID HE NEVER SEEN SUCH A MESSAGE BEFORE ), he then started to say the ink is not the ink they use, the bank heading is not on the receipt, nor time or date. This man started to imply loudly, with someone sitting outside his office, he has no door on his office it seems, as it was wide open, and the young man came, like he was there for an interview and could over hear him speak to me like I am some kind of criminal trying to defraud the bank of its money. I had my XXXX year old son with me in the office. I can not sleep or eat, I can not focus on anything, I am so embarrassed that I keep trying to do whatever i can to prove to him that the ATM did take my money and that the RECEIPT DID COME FROM PNC ATM MACHINE. I am suffering from severe emotional distress, with this bank manager, this guy, implying I am a criminal, and the ATM receipt was fake and that the ink on it, does not come from the his bank 's ATM machine. A person like this, I know it was because i was XXXX, and not in my usual suit, was why he called me criminal, only because the PNC ATM gave a weird receipt that he never saw, and said that the machine can not make mistakes, and can not keep people 's money, it is impossible for money to jam in the machine. he defamed me, with slander Per se, and his intentional act, was unreasonable and outrageous, which caused me severe emotional distress. He placed me in a false light and also ruinned and interefered with the possibilities of my economic advantage. A man like this XXXX XXXX ( PNC bank manager ) at the PNC branch XXXX XXXX XXXX, XXXX, New Jersey, XXXX, should not be working at the bank, he his XXXX, saying his machine can not make mistakes and that a receipt is automatically fake, only because he has never ever seen it before. I have received this receipt about XXXX to XXXX times a year, since I started to make deposits via the ATM but assumed that it meant my money was retained for deposit. So, I have about {$10000.00} of money that i tried to deposit and was never deposited and never returned to me, because I never thought to check my account or the money because when it does not and return some of the money, i would just try all over again and re-insert the money back in the machine, not knowing it previously kept some and it stuck in the machine. This has been happening since about 2011 around. My name is XXXX XXXX, Social Security number is XXXX, and for some of the time i got the weird receipt, i do not know the exact date and time, i did not know to record the events, as I did not know the events were errors. I am asking you please to do an investigation a | ||||||
| 03/10/2022 | Yes |
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| his has been going on for some months PNC has alloweed me to lose over {$2500.00} in disputes that they failed to even attempt to retrieve my assets. I returned items back to XXXX with Pnc approval they would retieve my funds if XXXX does not cooperate. But they have have used every opportunity they could to give me excuses as to why they didnt even attempt to get my money back. I have faxed the documents to their claims department which has cost me {$2.00} per fax over {$100.00} in fax that they seem to claim they never receive. The XXXX for Pnc XXXX XXXX XXXX had me email all 20 documents to her 2 months ago and she stated she would email them to the correct department, and she stated she emailed them to that department a month later, in which each time I call and speak with a CSR they state or a letter is sent to me stating she has not sent over that information. But I done my job 2 months ago by retrieiving the information they needed and all I ever got from PNC was excuses 120 days later when the claim should be complete I receive letters stating either " I need to talk to the merchant directly '' or " my claim is now to late to be filed '' in which when i filed the claim that wasnt an issue now after they have wasted 120 days pointing the finger at one another these 2 departments are getting a check for nothing cause they aint worth a dime of my money, and I have to write agencies to attempt to get you to mediate a situation not knowing if XXXX WILL waste my time and money just as the bank has by hold times, agents transferring me to wrong departments, and agents deliberatley hanging on me after being on extensive hold times ... not giving a care in the world to the customer. i have XXXX claims PNC will not help me get my money back on and what kind of bank says in their policy that a temp credit will be given if the claim will go over 10 days a temporary credit will be issued, but it never happens they will then turn around and send out letter since it going ove the 10 daya temp credit will not be issued that was the reason chose PnC for situatons like this and they go against thier own policy.. XXXX XXXX claims XXXX stole my money and they got their item back closed my account and did not refund my bank card I have sent the tracking number the information abou each return but PNC refuses XXXX dispute it with them they act like XXXX owns them and I dont know what to do when a my bank does not abide by thier own policy from the no temporary credit after 10 days to after having a dispute for 120 days they turn around and tell me I need to contact the merchant or they say its now to late for them to get my money but they allowed the claim to get filed for those 120 plus days ... .I need my money because when my check goes into that account they get my money before me funding them and when i need help im now the enemy no Im tired of the lies and I need either them to pay what was taken from me or they need to be fined and sued, cause im tired of them using me taking advantange of me and allowing XXXX to they acting as if they are they are working not to help their customers more than they show they are trying to help us ... claims they say I need to contact the merchant after they allowed me to dipute them for 120 days all were XXXX last XXXX digits XXXX each XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all these claims were items that were returned to XXXX and they would not refund my bank account XXXX kept my items and my money problaby converted to their money/gift card then pay pnc not to dispute it ... XXXX.thats they way it looks attached will be proof XXXX did not refund me and they kept my returns closed my account, and resold my returns I want my money they owe either Pnc or XXXX... but if it is XXXXnsurance on my money then they need to send refund my accound.. | ||||||
| 09/20/2016 | Yes |
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| I have a RECURRING ISSUE with PNC BANK NA refusing to correct their records and reexporting to XXXX and XXXX on a house that was sold, Mortgage PAID IN FULL NEVER LATE. I have repeatedly contacted PNC BANK in XXXX, XXXX, XXXX about this matter. Despite numerous investigations launched by the credit reporting agencies it has been verified by PNC Bank as a a valid debt is still owed with an outstanding balance of {$37.00}, XXXX. Most recently by XXXX qoute : '' Dear XXXX XXXX, XXXX has completed your dispute for Confirmation Number XXXX : & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. Additional information has been provided from the original source regarding this item. Historical account information was deleted from this account. If you have additional questions about this item please contact : PNC Bank, XXXX XXXX XXXX, XXXX PA XXXX Phone : ( XXXX ) XXXX I have included the Cash Checks for that account, The ( HUD 1 ) showing the payment and the payoff letter for PNC indicating the balance and the account number. I have repeatedly disputed this matter and remains on my credit report despite no evidence to the contrary of the attached submitted document. As you can see from the attached credit reporting this account has PAID, CHARGE OFF, FORECLOSURE PROCESS STARTED, BAD DEBT. Balances of XXXX, XXXX, {$42000.00}, {$40000.00}, {$36000.00}. PNC Bank NA is clearly misrepresentation of the legal status of this alleged debt and refuse to correct the record. The number listed by Equifax qoute : " If you have additional questions about this item please contact Phone : ( XXXX ) XXXX. '' That number is a general number and they have no record of this account. They are in clear violation of 15 USC 1692e 807. : False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. PNC Bank Na and XXXX was supplied with all of the attached documents and this item remains as a reported debt owed with a balance owed of {$37000.00} with NO EVIDENCE to the Contrary. XXXX Bank and XXXX XXXX in clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Re-investigations of disputed information ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 3 ) Determination that dispute is frivolous or irrelevant ( B ) Notice of determination ( C ) Contents of notice ( 5 ) Treatment of inaccurate or unverifiable information making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include -- ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information | ||||||
| 04/07/2022 | Yes |
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| I opened a PNC student-marketed " Virtual Wallet '' bank account in XXXX XXXX XXXX Pennsylvania in XXXX, shortly before I started college. I continued to use it until I moved to Colorado in XXXX. PNC had no Colorado branches then and the bank account became useless and an inconvenience. They made it very difficult to close the account from out of state with their restrictions, and it required multiple phone calls and escalations. Despite the loopholes, I was finally able to confirm the account closed in the winter/spring of XXXX. I received no communication from PNC ( no bills - no account statements - no communications ) from them on until recently. In XXXX, I opened up a XXXX bank account based on a promotion. The account management system proved inconvenient and I promptly closed the account in XXXX of XXXX by going to the local XXXX XXXX branch office. I closed the account same day. This was prior to the PNC acquisition of XXXX. In late XXXX ( XXXX ), I began to receive correspondence from PNC bank pertaining my Virtual Wallet account. This surprised me as I had closed my Virtual Wallet account in XXXX and had heard nothing about it since then. Over time, these account statements began to show a negative {$2.00} balance on the account, which concerned me. I called PNC several times to attempt to resolve this, but the long hold time made it difficult to reach someone. Eventually, on the afternoon of XX/XX/XXXX, I was able to reach a customer service representative. I asked him why I was receiving correspondence stating I owed {$2.00} on a closed account. The representative was unhelpful and, frankly, incompetent. He stated multiple times that he did not know why I was receiving any correspondence. He assured me my account was closed and showed as closed on his end. I asked him to note the account with this information and the conversation, and he seemed to mostly want to get me off the phone. The consistent message I received during that call was that according to PNC 's own representative, my account was closed, had a {$0.00} balance, and I had nothing to worry about. The following month, I received another account statement from PNC bank, which showed a {$25.00} charge, which I presume would have been for late payment of the earlier {$2.00} charge. Later I would receive yet another bank statement with still accumulating fees. PNC also reported my account as being delinquent to multiple credit reporting agencies, including XXXX and XXXX. As a direct result of this reporting of my account as delinquent, I have had a credit line be decreased by {$5000.00}, which has directly harmed me financially already. I have disputed this with the credit reporting agencies and informed PNC of my long-standing dispute, though with my calls they should have been on notice that I am disputing this account. Despite this, their behavior has not changed. As recently as last week, I was still receiving automated collection calls from them, mailed letters from them, text messages stating that they were trying to collect a debt from me, the whole package- over an account that was confirmed closed five years ago. PNC bank has revived a five-year closed account to a zombie account that they re-opened without my consent, racked up fees on, and are now using to not only harass me repeatedly but are also using to destroy my credit lines and financially harm me goes beyond gross negligence at this point. This is fraudulent and they have been on notice that this account is under dispute due to me contacting them regarding this- yet they have not changed their behavior. This has caused me direct financial harm, reputational harm through the lowered credit score, stress due to having to deal with this, filing disputes, as well as time off of work in trying to fix the mess they made. | ||||||
| 03/22/2023 | Yes |
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| We chose to enroll in the mortgage forbearance program at the start of Covid with both our mortgage and Heloc. Once the forbearance period was over we were asked to fill out a packet to restart payments. Our Heloc paperwork completion to repayment phase with XXXX took less then 60 days. Our main mortgage loan was sold to the PNC right about the time our repayments were starting. PNC was then our servicer and XXXX still the investor. We were asked to fill out the same information for PNC to restart mortgage payments. Our packet was determined complete on a voice recorded line and PNC stated no other information was needed and that they would contact us in 30 days with information on how to make our payments. It turns out PNC needed information from us and claimed they called but there was no email, letter in the mail or voicemail letting us know our packet was now determined incomplete. Because PNC was unable to reach us they placed us in an active foreclosure state. Now that we are in an active foreclosure state they have been emailing, calling, and leaving voicemails but were unable to before? The way in which PNC contacts us is very inconsistent. PNC then reported us to the credit bureau and stated we did not pay for 36 months including the entire forbearance timeframe. The forbearance timeframe which was provided by the federal government during a National state of emergency for Covid. We have been trying to begin payments since XXXX of XXXX. Every time we go through this process our packet is considered complete within the first week and then just days before the 30 day deadline more information is requested. For example PNC stated we would be able to move forward with payments on XX/XX/XXXX. PNC sent a letter in the mail ( did not call or email ) requesting more documents on XXXX XXXX which wouldnt have been received until after the 30 day timeline. This is the third time we have experienced this from PNC. PNC has shown a pattern of making it impossible for us to reinstate our loan. We want this resolved with our original term and rate when the loan was bought which was 4.125 % over 30 years. A rush was recently put on our completed application since our application has been completed three times with no decision brought to us on how to move forward with payments. It was stated that the decision would be brought to us ( the homeowners ) between business day three to XXXX. XX/XX/XXXX was the seventh business day and PNC had no answers for us. PNC stated on the day they should have given us a repayment plan that the credit analyst has not been able to reach the investor. The investor ( XXXX ) is not responding to them yet we had our Heloc in the repayment phase in less than 60 days with the bank XXXX. We continue to do everything in our power to pay our loan. The ball is in PNCs and TIAAs court once again and nothing is moving forward at our expense. We recently received another increase in interest on our Heloc due to the report PNC made on our credit. During this process we are unable to pay our mortgage because of PNC, our credit is continuing to go down and our interest go up. This is unethical and professional malpractice. This prolonged process is literally ruining our lives with bad credit, and increasing our Heloc to over double what it originally was while being threatened by PNC / XXXX to lose our house to foreclosure. This is also affecting our health by worrying about loosing our house that we have the money to pay for but are being forced into foreclosure. There is no action plan or timeline that PNC / XXXX is held accountable for. We feel as though this is professional malpractice and will be filing more complaints, hiring a lawyer, and contacting the local news station. Please reinstate our original loan out of forbearance and into repayment. | ||||||
| 01/21/2022 | Yes |
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| In XXXX, 2020, I contacted my mortgage lenders who hold loans on my home in XXXX XXXX XXXX. I live in the property and have rental units. During the first six months of Covid, my rents ranged from {$0.00} a month to $ XXXX, down from a range of XXXX - XXXX a month. PNC holds my second mortgage, a line of credit that they had frozen to withdrawals many years before. My other mortgage is held by another company. Of the debt on my property, PNC holds less than XXXX of the total and the other company owns more than XXXX. So the mortgage is already relatively small. My other lender immediately offered me a six month forbearance and added a giant tax bill to the forbearance. A short time later they extended the forbearance period to 18 months. PNC offered two months forbearance. Two. That is not a typo. After the two months were up, I began applying for a modification of the loan, as I still had almost no rents and did not know what the next year or two held. No one did. Obviously this situation was not specific to me but to everyone in the entire world. I paid the mortgage literally every month of the pandemic except the first two. I just couldn't pay the entire balance, but I sent a payment every single month as funds allowed. I paid as much as I could pay while my work hours were cut 75 %, I had little or no rents, was going through a XXXX, remote schooling my kids and solely responsible for their financial needs. The modification process was endless. Because I work a lot of part time freelance jobs, I did not have paystubs and they kept asking for documents I didn't have. By the time I got them more documents or supplied yet another letter that explained why I didn't have them, they had closed the application again, saying I was past the deadline to turn in documents. I was told my documents were complete, then told they were not, then the application would be shut down while I was trying to redo it, and by that time my work situation or freelance employment would have changed, or my unemployment ended, and all my previous documents would not longer count. I had many calls and letters with PNC and cried on the phone but could get nowhere. They told me that because this loan was not covered by the CARES act, they did not have to give me any more forbearance or do anything for me. I applied several times for modification and finally this fall told them I would just take a deferral and not modify the loan as I could not waste any more time applying and was worried about my rapidly dropping credit score. Because I had paid every month but not the full amount, all my monthly payments were not even counting as on-time payments and PNC was reporting missed payments, totally destroying my credit score. Rather than giving me the deferral as my other lender had done and moving forward, I received words a few weeks later that I would have to start the application process all over again just to get a deferral. They reported me as late and my credit score dropped again, causing me to lose a refinance for my other debt. I have been trying to get this company to provide a reasonable common sense solution for almost two years and I can't spend any more time trying to do applications that they never accept. I have XXXX masters degrees and have been a XXXXl XXXX and a XXXX XXXX, but somehow was never able to complete this application to their satisfaction before the time ran out and the closed it. I asked for a deferral to get a fresh start and they won't do it without another application. In the meantime, their reporting destroyed my credit score. All that my other lenders did for me, including my primary mortgage lender giving me 18 months and an automatic deferral, no questions asked, this bank would not do as a secondary mortgage holder for a much smaller total. | ||||||
| 02/27/2018 | Yes |
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| I've been a PNC customer since XX/XX/XXXX, and I've never had a issue until now. I am a student and I receive financial aid checks from my college. I had 2 checks deposited in my account by my university, one for XXXX and another one for XXXX, both on XX/XX/XXXX. This is where the issue begins.From the dates of XX/XX/XXXX to XXXX, XXXX XXXX, purchases were made with my card without my authorization. I have no idea how this occurred since only I have access to my account. Even when I would give money to family, I would personally withdraw the money myself and give it to them. Throughout this period of unauthorized purchases being made, I did not log in to view my statements since I had lost my password, and getting my account back was something I often procrastinated about. This bank has never given me issues, so why should I worry, right? I deeply regret this now. Around XXXX, I noticed that my account balance was off, like WAY off, to the amount of hundreds of dollars. I contacted my local branch manager, and managed to sort everything out, or so I thought. He carefully looked over the charges, and even agreed that my information had been compromised. I was told of charges to stores I've never shopped at, in towns and cities I've never even been in. My information had been used to buy nonsense such as popcorn, fruit baskets, and XXXX, to even sketchier dealings such as packet shipping, which deeply worried me. I didn't want to be implicated with something I did not do. The charges were multiple, but they were small amounts such as under {$20.00}, so I didn't notice right away, it wasn't until XX/XX/XXXX, when XXXX dollar purchases were made, that's what got my attention. Anyways, I was told a investigation would be done and in the mean time, I would have my account credited. I was satisfied. According to my bank statements, I was credited for a total of XXXX for XXXX fraudulent charges on my account. I was also given a new debit card. In XX/XX/XXXX, I log in to view my bank statements, and I'm shocked to find that on XX/XX/XXXX, 4 of the provisional credits had been reversed. The amounts are XXXX, XXXX, XXXX and XXXX. On XX/XX/XXXX, I had XXXX accredited to my account again. I went to my local branch manager to see what was going on, and was told that the investigation was still ongoing so I would have to give it some time. It's already XX/XX/XXXX now, and nothing has happened. That is until XX/XX/XXXX. I log in again, and found that the XXXX credit which they have given me, then removed and given me again was removed ... again. I also get a letter in the mail telling me that their investigation was over and I was still going to get charged XXXX. No mention of the other missing money I am owed. This put my account into overdraft and I had to deposit {$80.00}, which I had put aside to buy a textbook for school and pay my phone bill, into this PNC account, in order to put my account into the positive again. I can't simply afford to take money that I need for my schooling and deposit it, when PNC decides to get finicky and take away provisional credit that were given to me, due to the fact that MY money was stolen. I'm a student and I barely get by, I don't need to stress over the fact that my money was already stolen and my information was probably used to do something illegal and dangerous. I also have to take money that I have to make up for the mistakes of PNC, which is unacceptable and ridiculous. I'm a person living in the real world. The real world has BILLS which I am unable to pay due to PNC. I'm disgusted and deeply unsatisfied with the way PNC has handled this issue. Telling someone to " wait '' months for investigations that yield NO results is despicable. Should I also tell my rent, phone, and textbooks to " wait ''? I don't think so ... | ||||||
| 02/25/2022 | Yes |
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| Sunday XX/XX/2022 : about XXXX XXXX : I deposited {$890.00} cash into my business checking account the ATM at the PNC bank branch at XXXX XXXX XXXX, XXXX, OH XXXX. The machine accepted the cash, and the gate to the insertion slot closed. I heard shuffling sounds and then a series of clicks that did not sound normal. The machine spit out my card and the screen read : This transaction can not be completed. ( The actual wording may be slightly different. ) I waited for the money to be returned but it was not. The screen displayed the way it does when waiting for a transaction to begin. I waited a bit more, then went to my car and looked up my PNC account online. It did not show the {$890.00} deposit. I called PNC. I was told they would open a dispute and that I would hear back within three days. I think I tried to use my card again, perhaos for a bank balance, and the machine worked normally. I waited and watched as another person used the machine, wondering if maybe the money was stuck, and would somehow come out. That did not happen. Monday XXXX XXXX, 2022 : I went to the same bank branch and asked a teller inside if the money had been found. She said she did not know ; that a third party manages the ATMs. I asked of this ever happens : someone getting their cash eaten by a machine with the deposit not appearing in their account. She said yes, and that it was always resolved when the overage is discovered. ( I understood that she was not speaking in any official capacity. ) XX/XX/2022 : An {$890.00} provisional credit was deposited by the bank into the account. XX/XX/2022 : I received a letter from PNC in the mail, dated XXXX XXXX, saying that the dispute had been resolved ( see attached letter ). The reference number on the letter is XXXX. It read, in part, During our review of the account and the documentation available to us, we determined no error occurred and that the transaction XXXX XXXX XXXX was processed as instructed. You have the right to request the documentation we relied on in making our determination. The provision temporary credit in the amount of {$890.00}, and well as any related fee refunds previously credited to your account, will be reversed on XX/XX/2022, which is five business days from the date of this notice. I immediately called PNC to inquire as to why this was the resolution. I asked about the documentation that the letter referenced. I was told that overage was not found. I said that it seemed there was nothing I could do, so I would have to consult a lawyer. I was asked, Do you want to escalate this? I said yes, thinking that that would mean the documentation would be provided to me. Friday XX/XX/XXXX : I received a call from XXXX XXXX at PNC that the escalated case had no different result than the original one : no overage was found, so PNC would deduct the {$890.00} provision credit from my account. I asked if I could see the documentationspecifically, was there a camera recording my actions at the ATM, which would show the cash going in? Did the ATM electronically record or notate everything that happened when I was there, such as the machine detecting the money going in, the malfunction that led to the unusual clicks, and the screen displaying Transaction can not be completed? XXXX XXXX said that she was not involved in the investigation and did not have access to any of that information. I told her that I found it preposterous that the person telling me the case was closed had no information at all about the investigation, besides the results. XX/XX/2022 : The {$890.00} was withdrawn by PNC from my account, As a result, the account was overdrawn, and I was charged an overdraft fee of {$36.00}. XX/XX/2022 : The withdrawn account caused another overdraft fee, for {$36.00}, making it a total of {$72.00} in overdraft fees. | ||||||
| 08/11/2015 | Yes |
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| On XXXX XXXX, 2015, I went to the PNC branch in XXXX XXXX to make a deposit into my checking account. The teller asked me if I had a PNC credit card, and I told her I did not have one and did not want one. The teller said " we are going to get you a credit card '' and I repeatedly told her I did not want a credit card. She refused to give me my receipt unless I agreed to talk to another person. To get my receipt, I agreed to get information on the card, and intended to leave without talking with the person. As I walked past the offices on my way out of the building, XXXX XXXX stepped out of her office, blocked my way, and said she would talk to me about the credit card. She pulled me into her office and I told her I would accept information but did not want a credit card. She asked for my driver 's license to verify my identity to access my bank accounts. I reluctantly showed her my license after she assured me it was just to check my accounts to determine which credit card offers would apply. She said that she did not have any printed information to give me, but would have the bank mail information on Tuesday, since this was the holiday weekend. She gave me her business card and I left. Nothing that occurred during our discussion indicated she was submitting a credit card application, she provided no disclosures or information about the card, and I did not authorize accessing my credit card information or a credit card application. On Tuesday I received a phone message from XXXX advising that she had submitted a credit card application for me and it had been approved. I called and talked with XXXX, and she claimed that because I gave her my driver 's license she was allowed to apply for a credit card for me. I reminded her that I had told her I did not want the card and she agreed to not issue the card. On Friday I received a notice from my credit monitoring service that PNC had pulled a credit report. I stopped by the bank that evening and spoke with XXXX XXXX, an assistant branch manager. She apologized for the error, said that she would remove the credit check from my credit report and would stop the credit card account from being opened. She advised that someone from the retail escalation group might contact me. I received a call and spoke with XXXX XXXX from the retail escalation team on XXXX XXXX. I explained the situation to him, and he said they would stop the credit card account from being opened and would remove the credit inquiry from my credit report. On XXXX XXXX I received a phone message from XXXX XXXX stating they decided not to correct the error. I left him a phone message asking for clarification, and a few days later they opened the unauthorized credit card. On XXXX XXXX I received a phone message from XXXX XXXX from XXXX Client Relations stating she was calling to discuss my concerns. I left her multiple phone messages but did not receive any further telephone calls. I did receive a letter dated XXXX XXXX from XXXX XXXX stating she had tried to contact me on XXXX XXXX, but my phone records show no calls from her on that date or any other date other than the original XXXX XXXX call, and when I left her a phone message on XXXX XXXX her voice mail said she was out of the office until XXXX XXXX. When I called on XXXX XXXX, her voice mail said she was out of the office until XXXX XXXX. I am very concerned than PNC engaged in identity theft, accessed my credit without my authorization, and opened a credit card account I did not solicit, authorize, or approve. Even after they acknowledged the error, they proceeded to open the account. They committed to fix the error, then failed to correct the error. These seem to be very serious violations of the Fair Credit Reporting Act, Fair Credit Billing Act, and other federal regulations. | ||||||
| 12/08/2020 | Yes |
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| Dear Sir or Madam, I'm writing You about account : PNC BANK Account number XXXX Date opened XXXX XXXX, XXXX After obtaining my credit report, I noticed that it shows late payment on the above account with your company. It specifically states that I was late on XX/XX/XXXX. Because of this late entries, it has damaged my credit score and hampered my chances of acquiring new credit. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. Not only was I never late on this account, but I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. Time of Notice In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. Reporting inaccurate information is also a violation of the FCRA. I first contacted the above mentioned credit bureaus about the mistake. They sent me a latter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/XXXX. The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times. Twice by never notifying me and once for reporting inaccurate information. I could surely use the XXXX bucks since the interest rate on my other credit cards raised due to your error, not to mention my the priceless cost of my time writing these letters. I am sure youre aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regards to my account. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRAs as they were submitted e.g. XX/XX/XXXX, andXX/XX/XXXX. If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. Im thanking you in advance for attending to my requests promptly. | ||||||
| 01/27/2016 | Yes |
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| I applied for a business account on the PNC Bank Website. The next day I received a call from XXXX XXXX XXXX, Assistant Vice President of Business Banking Sales from the following number XXXX. At that time he asked a series or questions and then forwarded that information to the Branch located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. He stated that was the closest branch. When I went to open the account at that location they stated they did not have anyone to open the account. I contacted XXXX XXXX and then I received a call from a woman who identified herself as XXXX. With that stated I set an appointment to meet with her the next day. I provided her with the requested documents, which where the tax ID for the business and the Articles of Incorporation. She then asked for personal information, I gave her copy of my credit card and State Identification. After supplying that information, I realized I did not have my check book so I went home to get it. After she collected the information and printed out the letter of good standing from the secretary of state office, she stated that she had not received approval from the headquarters to open the account. With that stated I did not understand why the bank required the branch manager to open the account and they require approval from the headquarters in Pennsylvania in order to open an account. This presents a serious issue with me because the headquarters has no personal contact with the client so why and how can they make a good assessment of the client. So with that stated I had to wait until Monday for an approval. Monday comes and I received a call from XXXX at XXXX on Monday XXXX XXXX, 2016. I was annoyed that you would wait til the end of the day to call me. Then at XXXX on the same day a woman claiming to be from PNC calls me to have me come to the XXXX XXXX XXXX XXXX , XXXX , Illinois location. I asked her a series of questions about why she was calling and how she go my information and why my information was circulating. She got smart with me and became very rude with me. I got concerned that someone may have compromised my information. I later found out that her name was XXXX and she was over the XXXX XXXX branch. She then told me to come to com to the XXXX XXXX location and I told her no because I could not understand what was going on. She then called me back to tell my account was not appoved also. She said I could apply with another business. I made an appointment to come in on XXXX XXXX, 2016 at XXXX. I arrived and she said she forgot about my appointment and that she thought I was coming Thursday. She asked to see my document for my new business and then she told me I had to get another copy from the secretary of state of Illinois which cost extra money. She did not explain that the express copy issued by the state was not used when I spoke to her over the phone. she wanted me to go downtown and get a new copy and then she directed me to wrong building. She then went on to tell me that the bank was very convervative and that they looked for a certain profile of customer for its business accounts. I was insulted by this and when I spoke to my CPA XXXX XXXX who banks at PNC he could not believe how I was being treated. I know of XXXX other people who bank here who have XXXX of dollars and they told me that this was not an experience they had ever had either. The common thread is that all XXXX people I know are XXXX and are XXXX. In addition to this experience the merchant account department expressed that they only wanted cerain people as well particularly people with XXXX scores. I fell like this bank is stering, redlining and discriminating against XXXX people. Yet the XXXX branches I went to are largely XXXX with XXXX Branch Managers. this is an experience that needs to be investigated. | ||||||
| 02/22/2016 | Yes |
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| Per the CFPB, " mortgage servicer must, in most cases, acknowledge receipt of a written information request or complaint of errors ( such as misapplication of payments, improper fees, etc. ) within five days and respond within 30 days. The 30-day period may generally be extended for an additional 15 days if the servicer notifies the borrower within the 30-day period of the extension and provides the reasons for delay in responding ''. I informed PNC that foreclosure proceedings should never have been stated in the first place because, per XXXX and XXXX XXXX a lender has to participate in loss mitigation program before they can start a foreclosure. Also per the the Consumer Financial Protection Bureau also has rules in place to prevent " dual tracking '' where a servicer is simultaneously evaluating a borrower for a loan modification or other alternatives while at the same time pursuing a foreclosure on the property. I was offered and agreed to loan medication foreclosure proceeding were stated anyway, which in in violation of the above mentioned agencies. PNC stated that my response package was not received in time. This was because XXXX XXXX of PNC stated that I need a copy of the actual check that I received every month. She did not informed of this until the end of XXXX meaning that copies of the actual check would be received until XXXX XXXX. This turned out to be false a pay stub/earning statement can be used. I had sent in copies of my pay stub prior to her telling me this therefore the bank has the copies in time they just chose not to use them. Finally, I notified PNC that I was charged the wrong interest rate 4.50 % instead of 4.25 % which resulted in a incorrect contract and payment and they still have not correct it. PNC and its agents has made my personal information public one again by starting this illegal foreclosure. They have gone to a place that I have not worked for in 6 years which they had not legal right to do. This was done even though they had no legal right to start a foreclosure and after a loan modification was signed and payments were made. All of the following became known to be through signed court affidavits and will be provided to your office upon request. On XXXX XXXX XXXX, of XXXX when to my FORMER place of employment. This was her first stop. ( She went there before coming to my usual place of abode. Even though I was not supposed to be served at any rate. ) I have not worked there in 6 years. They had NO legal right to go there. XXXX went there before on XXXX. ProVest was told on that date by my former employer that the ... '' THIS OFFICE DOES NOT ACCEPT OR CONTACT EMPLOYEES TO BE SERVED. '' " XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX XXXX XXXX XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. '' In an effort to embarrass me and cause me stress XXXX when there again knowing that I no longer worked there. According to Federal and state law a person is to be served at their usual place of abode. " ... summons upon an INDIVIDUAL defendant 's shall be made ( 1 ) by leaving a copy of the summons with the defendant personally, ( 2 ) by leaving a copy of the summons with the defendant 's usual place of abode, with some person of the family or a person residing there ... '' XXXX XXXX XXXX XXXX XXXX XXXX ] Personal delivery to someone other than the person to be served is not adequate even then that person immediately redelivers the summons to defendant. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX " Usual Place of Abode '' A person 's usual place of abode is a question of fact. [ XXXX XXXX 'XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ||||||
| 03/27/2016 | Yes |
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| I am just an individual person fighting financial institutions, the " too big to fail '' organizations. They have paid lobbyist and billions of dollars, so they usually get away with most things. Per the FHFA, The foreclosure process may not commence if the borrower and servicer are engaged in a goodfaith effort to resolve the delinquency. The servicer must conduct a formal review of each case to ensure a borrower has been considered for foreclosure alternatives before the loan is referred for foreclosure. Even after foreclosure processing begins, financial incentives are provided to encourage servicer to continue to help borrowers pursue a foreclosure alternative. The only reason that I did not qualify for the MyCity Mod, initially was because PNC used a BPO appraisal of {$360000.00} to determine the value of my home. This inflated value along with PNC 's and XXXX XXXX 's delay in correcting the value resulted in improper fees and improper Streamline Modification payments. Incidentally, the XXXX XXXX could have started on the 91st day of me becoming delinquent since it requires no documentation. A BPO is based on an opinion. The Assessor 's office along with an XXXX are based on facts I disputed the value for my home for months with PNC. They refused to change it. I then filed numerous complaints with : XXXX XXXX, XXXX XXXX XXXX XXXX Department, XXXX XXXX XXXX XXXX Department, XXXX XXXX 's CEO, XXXX XXXX 's Board of Directors. Each office either ignored me or gave me the run around. After numerous months of contesting this value, I was informed by XXXX XXXX on XXXX/XXXX/XXXX that they would use the XXXX value of {$210.00}. At the time I submitted the dispute I was told to compile a list of XXXX properties that were sold in my area. I was informed that this list could include short sales and foreclosures. I was told months later told that I could not include short sales and foreclosures. Even without including the above mentioned, the value of my home per XXXX XXXX was {$210000.00}. XXXX XXXX used the average price of the XXXX to determine the value of my home. By doing so they validated that the value of my home was not {$360000.00} but instead was {$210000.00}, in their eyes. With this validation, they should not be able to deny that they charged the wrong monthly payment for the Streamline Mod. XXXX XXXX used the {$360000.00} in calculating the monthly payment for the Streamline Mod. The quality control tool used by XXXX XXXX found that approx. only XXXX % of its home values are not inflated. Yet, PNC still uses it. " XXXX XXXX 's Home Value Calibrator Home Value Calibrator ( R ) ( Calibrator ) is a quality control tool that measures the risk that an appraisal, or other estimate of a property value, exceeds the actual market value by at least XXXX percent. ... '' ) ... How It Works ... Generates a score between XXXX and XXXX to indicate the probability of an inflated value that may be used to prioritize workflow. Indicates whether the purchase price, estimate of value, or appraisal value might be inflated. Lower scores indicate a higher risk. '' INFLATED VALUE CALCULATIONS XXXX XXXX = XXXX = XXXX * XXXX = ( rounded off = 65 % ) If the number are correct math does n't lie. XXXX XXXX = XXXX XXXX = XXXX * XXXX = 204 % ( APPROXIMATE VALUE - This value was determine by taking the MLS value of {$210000.00} and subtracting the estimated cost of repairs needed to my home of approx. {$100000.00} ) I spoke with XXXX at XXXX XXXX on XXXX/XXXX/XXXX. She stated XXXX of the Escalation Department noted on the computer that, " They the agreed with PNC and are not changing the amount I owe. '' I also asked her to put how they came up with this agreement in writing and she said, " We do n't put anything in writing we only tell you over the phone. '' | ||||||
| 09/06/2023 | Yes |
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| On XX/XX/XXXX a transaction on my bank account for the amount of {$590.00} was still pending at the time but posted on XX/XX/XXXX for XXXX XXXX XXXX XXXXXXXX XXXX XXXX which was an online purchase with my bank account and all my information. I have never even been to the amusement park nor do I like roller coasters. This purchase was not done by me. I got a notification from my bank stating my bank account is overdrafted at the time I did not have much money in the bank so on top of the {$590.00} charge. I was also charged a {$36.00} overdraft fee. I immediately called PNC bank to let them know I did not make that charge. The customer service rep told me they were temporary, reverse the charges and start an investigation. There was nothing more I needed to do unless I heard back from PNC Bank requesting more information. A little over two months later I receive a letter from PNC dated XX/XX/XXXX and it was XX/XX/XXXX when I actually received a letter, the letter was dispute. Investigation is complete, and they had denied my dispute and said that I was at fault because the information on the transaction matched my information. The previous credit was reversed on my bank account so the money was pulled back out of my account {$590.00}. And then call PNC Bank to explain everything from start to finish and explain once again I did not make the charges nor did anyone have consent to use my account! The customer service rep was very helpful and said he was going to dispute the dispute but that did not work because the money was pulled from my account that same day! PNC Said the transaction was valid because the tickets are in my name and XXXX XXXX checks ID to match the tickets at the park entrance. PNC suggested I check my email to see if there was any emails from XXXX XXXX because I explained the email they used is one I do not use, its basically for junk emails. We ended the call and I checked my email and there was 2 emails from XXXX XXXX. One was the order confirmation and the other was a thank you for visiting email. The email confirmation / receipt Which was two admission passes {$60.00} each to XXXX XXXX XXXX, XXXX each which is the front of the line pass to meal dining deals. Whats your {$41.00} each one all day drink bottle which is {$22.00} and preferred parking for {$45.00} so it this point Im very take him back and confused!!! And then decide to call XXXX XXXX and ask them about the purchase to see if they can tell me anything that might bank didnt. I spoke with XXXX and we were talking about the purchase, and she asked me if I wouldve use the tickets whose names wouldve been on them? I told her myself and my husband which our names are XXXX and XXXX XXXX and then stated that those were not the names on the tickets and on the confirmation email they spelled my name with an XXXX and I dont use an XXXX in my name. XXXX then says I need to call your bank and give them this info. The XXXX XXXX employee also stated that they do not check ID with one day. Admission passes only with season passes which is silly then why do they put names on it? So I called my bank back to let them know the new information and then I felt like that was enough proof to reverse the charges so I can get my money back and they still denied it for the second time and Im at a loss of what to do I have filed a federal commissioners identity theft report online And not sure what to do next cause theyre not giving me back my money!!!! I definitely did not purchase those tickets to the amusement park. Im literally so behind on my bills now because of all of this and my bank not having my back during a time they should be defending me! Im very disgusted and will be closing g my account with them as soon as this is all done with. Thank you, XXXX XXXX | ||||||
| 08/29/2019 | Yes |
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| On XX/XX/XXXX we went under contract on a home in XXXX, KY. Our loan officer was informed the next morning ( XX/XX/XXXX ) via email by our realtor that the home was under contract and to please proceed with the loan estimate. We had a home inspection and negotiations done in a timely manner ( within 4 days ). Our loan officer did not start our loan application process until XX/XX/XXXX and a loan estimate was not delivered until XX/XX/XXXX. Our contract stated we would close between 20-40 days. As we began talking with our loan officer we made it clear that we wanted to close around 30 days. We assumed this a reasonable request and the seller 's were due to have a baby and were also hoping to close around the 30 day mark. It then became clear that our loan officer ( LO ) was completely unprepared and behind on our loan. We had multiple phone conversations with him where he was very rude and inappropriate and told us " there is absolutely no way I can close this loan before XX/XX/XXXX. '' This was very frustrating for us because it would be outside of our contracted closing dates. Myself, my partner, our realtor, and the seller 's agent all reached out politely to see how we could speed the process along. At this point, our LO 's superior got involved. Both men were completely rude and disrespectful to myself ( a woman ) stating that " you wouldn't understand these types of things '' and angrily asking me to " calm down '' if I became frustrated with them. I felt blatantly discriminated against based on how I was treated and how my partner ( a man ) was treated. By this point, I had also reached out to corporate PNC multiple times to see what could be done on their end. I was disregarded many times and no one took my case seriously. We finally were able to settle on a closing date of XX/XX/XXXX ( 38 days into contract ). On XX/XX/XXXX we received our first Closing Disclosure ( CD ) from PNC. The amount was incorrect and multiple line items were missing. We reached out to our LO who stated a final CD would be coming soon. We were not delivered a final CD until the evening of XX/XX/XXXX. The difference between what PNC is calling the " final '' CD and the CD delivered XX/XX/XXXX was over {$400.00}. We communicated with our LO on XX/XX/XXXX that we needed the final CD so as to have our cashier 's check made that day. He was noticeably angry with me and did absolutely nothing to help us. The banks were closed XX/XX/XXXX for holiday so we had to have a check made out based on the original CD sent. We had to write a personal check for over {$400.00} to cover some taxes that were line item left completely blank on the original CD. We did not know what our final closing costs were until approximately 15 hours to close. After closing, we filed a complaint through the XXXX. PNC and the person assigned to our case refused to respond to me or the XXXX. After nearly 2 months of long, drawn out responses they denied my claim. I provided email evidence ( emails between our LO, myself, and the title company ) of their violations yet they are continuing to lie about when the home went under contract ( they are stating it did not go under contract until XX/XX/XXXX when the process began ) as well as when the final CD was delivered. There is email evidence showing the LO asking for updates from the title company so that he could provide us with an updated CD less than 24 hours before closing. There is also email evidence of our realtor 's email stating the house went under contract XX/XX/XXXX. PNC is using their customer portal system as " evidence '' against our case. They are saying that we signed a final CD on XX/XX/XXXX, which we did sign a CD on XX/XX/XXXX, but it was not final and the amount was different than the amount we paid on XX/XX/XXXX. | ||||||
| 02/08/2020 | Yes |
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| The complaint is about PNC Bank and the delays with underwriting and Closing date of a new mortgage loan with PNC Bank, reference. The mortgage was initiated in XX/XX/XXXX and pre-approved in XX/XX/XXXX. As of this date, financing on the new loan is not complete. Rate-Lock Period Start Date : XX/XX/XXXX Rate-Lock Period Expiration Date : XX/XX/XXXX Interest Rate : 4.375 % Loan Points : 0.675 % Amount of Loan* {$370000.00} Term of Loan* 360 Loan Type : Conventional Fixed The PNC Bank ( NMLS # XXXX ) representative involved were : Loan Underwriter ( XXXX XXXX ) , PNC Loan Officer ( XXXX XXXX XXXX ) , and PNC Representative ( XXXX XXXX ) . The underwriters were changed on two separate occasions. PNC Bank XXXX XXXX XXXX XXXX Washington, DC XXXX ( XXXX ) XXXX ( office ) We experienced numerous delays with the PNC loan process. We received numerous requests for the same documents ( pay stubs, bank statements, etc. ) from PNC Bank representatives : 1. TSP retirement act expired on XX/XX/XXXX. Need updated statements covering XX/XX/XXXX through XX/XX/XXXX 2. Request explanation for the following : regarding payments out of XXXX XXXX to Treasury Department, DC Gov't payment and IRS USA tax payment. Also provide verification docs of repayment and proof current per policy 3. Request explanation for the following : regarding overdrafts in XXXX XXXX acct in XX/XX/XXXX and XX/XX/XXXX 4. Provide a copy of the current lease for the subject property or provide a letter of explanation if a lease is not available. If no lease is in existence borrower to explain and also certify in letter what they currently charge in monthly rent to the tenant ( s ) 5. XXXX : I do not see an LOX regarding the payments out of the bank act to Treasury Dept, DC Govt pmt, and IRS USA tax pmt. I see a document which shows some of those charges were for a paid ticket and possibly a future payment on upcoming taxes due? But cant match them all up and still need an LOX and supporting docs. 6. XXXX : missing pages 9 through 12 of lease and also the lease expired. Need all pages of the fully executed current lease or proof the most recent expired lease has been extended. If the lease was not extended and there is no current lease in effect will need a signed/dated LOX stating what he charges for rent or what he would charge if its not currently being rented. Also please have the help desk remove the document uploaded on XX/XX/XXXX at XXXX CST from the XXXX as it includes a photo ID. Please re-upload any applicable pages without the ID. 7. NEW CONDITIONS ADDED : SEE BELOW : XXXX : Provide TSP quarterly stmt covering XX/XX/XXXX to XX/XX/XXXX and provide terms and conditions of withdrawal evidencing borrower has access to withdrawal amount needed for reserves *** ( The stmt in file ending XX/XX/XXXX expires today and the one in the XXXX coded as XX/XX/XXXX is not for XX/XX/XXXX. It is a year end stmt for XX/XX/XXXX. ) 8. XXXX : Updated stub for XXXX for pay period ending XX/XX/XXXX was uploaded with Other leave noted. Borrower to provide stub for pay period ending XX/XX/XXXX to evidence full pay period with no other leave unless other documentation can support its not temporary or medical leave *** If it is temp/medical leave and if he still on it, addl conditions will apply. ( I was able to verify on employer website that annual leave is same as vacation but couldnt find anything documenting what other leave is for so I have to assume it is medical leave at this point & if it is income will need to be recalculated & we will need addl docs per investor guidelines While the home buying process can be stressful and overwhelming, having a competent, engaged mortgage loan officer/under writer can make things infinitely easier, smoother and most importantly more enjoyable! | ||||||
| 05/12/2015 | Yes |
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| First, I attended a community festival and spoke with two representatives there, one male and one female, who both advertised that we could earn up to {$300.00} for opening a new Performance Select Account during the festival. They said in order to qualify, we needed to pay a bill and have direct deposit set up within 60 days of the account opening for paychecks or other recurring deposits. I was also advised it could take 2 months for the credit to be applied. I contacted PNC when the time frame had passed and the credit was n't applied. My statement dated XXXX XXXX, XXXX, shows the initial deposit made on XXXX XXXX, XXXX in the amount of {$5900.00} to create an account balance. This statement also shows XXXX direct deposits for {$950.00} and {$820.00} received on XXXX XXXX, XXXX, from Bill Me Later for " Reg. Salary, '' which were the paychecks for my husband and myself. Also shown on this statement are XXXX direct payments : {$88.00} on XXXX XXXX, XXXX, for Nationwide Insurance ; and {$56.00} on XXXX XXXX, XXXX, for XXXX. My statement dated XXXX XXXX, XXXX, shows XXXX direct deposits received from Bill Me Later for " Reg. Salary '' : {$940.00} and {$810.00} on XXXX XXXX, XXXX ; and {$950.00}, {$940.00}, and {$560.00} on XXXX XXXX, XXXX. This statement also shows XXXX direct payments sent : {$150.00} on XXXX XXXX, XXXX, for XXXX XXXX ; {$88.00} on XXXX XXXX, XXXX, for XXXX ; and {$56.00} on XXXX XXXX, XXXX, for XXXX. Therefore, within 60 days we received {$6000.00} in direct deposits from paychecks. In addition, we sent XXXX direct bill payments during this time. However, we did not receive the {$300.00} credit as promised. After calling customer service and having my concerns escalated to the Retail Escalations Department, PNC credited my account with {$150.00} promotional credit as a courtesy. Second, I opened a second account with PNC, and shortly after I received an email from PNC advertising a {$50.00} gift card for opening a new account. I called PNC to confirm the validity of the email and was advised this was a valid offer. However, I still have not received the gift card, which was supposedly mailed in XXXX XXXX. Third, a XXXX representative stated that XXXX accounts are eligible for a {$300.00} promotional credit for opening a new PNC Mortgage Loan with automatic payments from a checking account. My husband and I were in the process of selling/buying a home and decided to take a mortgage out with PNC Bank, which was completed on XXXX XXXX, XXXX. To date, this credit has not been received. In XXXX, I spoke with Retail Escalation Specialist XXXX XXXX ( XXXX ) regarding my concerns and faxed my documentation to her. I missed a call or two from XXXX, but was unable to reach her by phone on five attempts in XXXX and left a voicemail for her each time. She then sent a letter stating she was unable to reach me by phone, although I did not receive any return calls from my voicemails. In the end of XXXX XXXX I called and spoke with XXXX XXXX XXXX XXXX ( XXXX ) who agreed to assist with researching my claims and advised there were no notes on my account from my previous contact with XXXX. Therefore, I mailed my documents to him around the XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called PNC Retail Escalations and spoke with XXXX XXXX ( XXXX ) who advised that there were no notes on my account about documents received via mail and that he could submit a request to research the mortgage promotional offer, but that PNC accounts can not receive more than one promotional offer so I would not be eligible for the {$300.00} for opening the account AND the {$300.00} mortgage offer. However, this was never advised previously in any of my prior complaints. I am requesting for PNC to honor and issue the advertised promotional credits. | ||||||
| 07/23/2020 | Yes |
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| I opened a virtual wallet account with PNC Bank on XX/XX/XXXX. At the time I was a minor ( XXXX XXXX XXXX ) and had to have my mom sign me up. I was under the impression that once I turned XXXX that her name would no longer be on the account. This account, although her name is attached to it, is solely my own and has no connection to my moms. I no longer even share the same mailing address as my mom, I live on my own. All the money going in and coming out is my own. XX/XX/XXXX my mom contacted me and told me her account had been over drafted by thousands of dollars and that I needed to switch accounts in case my money was to be held while her situation was being investigated. I, however, did not want to switch accounts if I did not have to because I have direct deposits set up through my account as well as automatic withdrawals for several bills and thought that it would be too much of a hassle to switch accounts if i did not have. This same day, XX/XX/XXXX, I decided to contact PNC through customer service to find out if my money was at risk of being taken or held. I spoke on the phone to a representative and was assured that my money would NOT be taken or held. I was told that my mothers name was NOT on the account. The morning of XX/XX/XXXX I check my online banking to see that my savings account was completely held in the amount of {$2000.00}. I immediately call customer service again to figure out why it is being held. Come to find out that it is being held because of my moms balance being negative and the bank having " the right to offset. '' I ask how it is possible seeing that I was told that my moms name was not on the account. It was at this time I was told that my mom 's name WAS on the account. This meaning that on my previous phone call on XX/XX/XXXX I was misinformed completely. I explain to the representative that I had previously called and was told that her name was not on my account. The representative says that she will file a complaint through PNC and that they will investigate the previous phone call to see what was said. This same day, XX/XX/XXXX I call back a few hours later after the second phone call to follow up. I spoke to a different representative who told me that no complaint was filed at all, I was again lied to for the second time. With this third phone call I am finally able to file a complaint and am told that I would be contacted by someone who is reviewing the matter. This morning on XX/XX/XXXX I was informed that I would not be getting the money back because when I had signed up for the account with my mothers name it stated that the bank has the right to offset any negative balances with money from other accounts that had my mothers name on it. I do not understand why I was not given this exact information the first time I called regarding this situation on XX/XX/XXXX. Besides my mom 's name that was put on the account over 8 years ago, she has no ties to this account whatsoever. No deposits are made in her name nor does she have a copy of the debit card linked to this account. This is all the money I had to my name. I am currently unemployed and every penny I had was taken from me when I tried to completely avoid this situation entirely. I will also be filing complaints regarding this matter with the OCC, CFPB, XXXX, Ohio State Attorney General, Pennsylvania Attorney general, and having my attorney look into this matter. I hope the bank acts in good faith and reverses the offset due to the mitigating circumstances and the fact that I was misinformed on multiple occasions by bank employees. This is a clear violation of FDCPA because I was obviously and purposefully deceived so the bank could seize my funds. I will be seeking the return of my funds plus attorney costs. | ||||||
| 01/12/2017 | Yes |
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| My XXXX yr old son opened an account at age XXXX with my name also on the account as he was a minor. My son plays in a band and had recorded his first album at age XXXX. He did have some income due to his gigs and royalties from the sale of his albums/cd 's. He currently works at XXXX XXXX XXXX which is owned by his manager and music mentor, XXXX XXXX. The first year he managed his account very well. The second year he had XXXX NSF fees at which time I held up XXXX dollars and motioned as if I was throwing it in the street to demonstrate to him the consequences of not managing his money properly. The third year he had this account there were XXXX NSF fees. This last year XXXX, there were XXXX NSF fees which were hidden from me.XXXX was lthough we reside in the same home, I am a single parent, a XXXX for over 30 years and this past year have been cari g for my mother recoverig from a XXXX and my dad who is loosing his battle with the ravages of XXXX. I have been able to keep them in their home with the support of my siblings and by employing private duty caregivers at night. There is no doubt that my son, who turns XXXX this month is to blame for not managing his funds well. However, as my name was also on the account, should I not have been notified via certified mail around let 's say the XXXX th NSF fee that this was occurring? Clearly this was not his previous history and was an outlier for him. I spoke to the PNC branch manager, XXXX who was patient and understanding of my distraction due to my parents failing health and my devotion to them. This although well intended, kept me out of my home from XXXX until almost XXXX and allowed XXXX to hide the numerous notices that came in the mail. Had I been aware of that situation I would have closed that account by XXXX at NSF fee # XXXX. I have spent my life caring for the XXXX community. I believe in fair treatment for all regardless of their background, ethnicity or financial status. I worked the past 3 years at XXXX of XXXX XXXX as an XXXX XXXX XXXX providing care for those without the resources to pay for private care at a facility or to enter a faith based system for care. I told my staff daily that each of our residents deserve the best of care and compassion for " there but the grace of XXXX go I ''. My concerns for PNC to close that account were echoed by XXXX, the brach manager who stated ' that account should have been closed months ago ''. I am informing you so that future families do not get blindsided by this situation. It is not XXXX and I am not XXXX sitting home in my apron and pearls waiting for the mailman. I am a single parent working XXXX who is caring for XXXX elderly parents who is often only home to sleep. I encourage you to call or email me at anytime to discuss this matter further. We have not yet received XXXX XXXX, but I would guess he made XXXX XXXX last year, yet paid XXXX in NSF fees to pnc bank. I would hope that this will be reviewed within the guidelines of the consumer protection act implemented by XXXX XXXX XXXX. To benefit by the exploitation of a XXXX XXXX XXXX kid is unconscionable. A XXXX dollar letter which I had to sign for was clearly in order as XXXX NSF fees was out of the norm for XXXX and my name was first on that account. My concerns were forwarded to XXXX XXXX a corporate escalation man who decided to return XXXX NSF fees was out of courtesy. XXXX out of XXXX, do you think that is fair? I believe it 's pure exploitation of a naive and immature XXXX XXXX XXXX. I sincerely hope you will review this complaint. More importantly, require that the primary person on the account is notified via certified mail when there is abnormal activity on an account.account PLEASE keep me informed of your review. Thank you! | ||||||
| 02/17/2023 | Yes |
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| XX/XX/2023 " PNC Bank '' Yesterday on XX/XX/2023, I went into PNC Bank to open a checking account for the first time. I explained to the banker that I am a coin Collector & that I only want to open an account if they can provide me with two boxes of pennies, five days a week. That's {$250.00} worth a week. The branch XXXX was really kind in letting me know, that they can order what I need for me, once I open an account.. I said awesome, lets set one up then. The XXXX then said they were really busy today & I would need to schedule an appointment to set up my account, will XXXX am XX/XX/2023 work. I said, Yes. sounds good.. I showed up to my appointment excited expecting everything I was told I can expect. When I showed up to the appointment the same XXXX proceeded to process my checking account, asking me if this account will be for anything other then collecting coins, I said no. XXXX said okay. I then began asking XXXX how will this all work? Will I pick up Daily or once a week to pick up my pennies? XXXX then, said the XXXX will ask the teller because the banker wasn't sure how it worked. I said, okay well I will deposit {$200.00} today, if you have any boxes of pennies to give me today? otherwise, I will only deposit {$150.00}. The XXXX said the banker will check & when the banker checked the banker said they did not have any boxes of pennies today, not until they order more but the banker will be able to order me some. I said ok.. The XXXX gets up to go process my deposit & when the banker returns the banker proceeds to tell me the bankers XXXX is unable to order what I want in pennies.. I said, why? There is no other place for me to get boxes of pennies other then the bank. I've even personally contacted the federal reserve to find out.. The XXXX said, the XXXX said the XXXX 's not allowed to order my request.. I then said well then how do I get my pennies if the only person that can order them doesn't order them for me. I said I should be able to sue someone for putting me through this. Out of no where the XXXX comes over, as I am sitting down, the XXXX stands over me and says, you need to leave & we can't have anything to do with you if you are claiming to sue us. I said XXXX, I did not make any threats nor did I say what you think you heard. I said, this a bank. There is nowhere else for me to get these pennies. I said, I don't understand why you are unable to order me pennies, I am a customer & this banker claimed that you could before I even became a member. I would have never opened an account here if your bank couldn't provide what I needed.. The XXXX then said okay well the federal reserve won't let her order {$250.00} in pennies a week. I said well how about {$120.00} in pennies then. She said they can only give me what they have on hand in a register. The XXXX said maybe if I want to get pennies find a coin collector establishment.. Then, the XXXX walked away. The XXXX was silent during my whole discussion with the XXXX, once the XXXX walked away the banker said the banker couldn't believe the bankers XXXX did that or how the XXXX heard me talk about suing someone. I said, I would just like to withdraw my deposit and get out of here please thank you.. The banker then processed my withdraw, gave me my new account folder, said sorry and then I left.. I do NOT agree with how I was treated. I feel like I was suckered into joining with PNC, a sense of false advertisement & them simply lying to me. They tell me they can order me pennies but then tell me they can't or won't? The worse part to me is after providing my reasoning for opening this account, they took my personal information, social security number and my money before telling me they are unable to order me pennies... | ||||||
| 03/17/2023 | Yes |
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| We chose to enroll in the mortgage forbearance program at the start of XXXX with both our mortgage and Heloc. Once the forbearance period was over we were asked to fill out a packet to restart payments. Our Heloc paperwork completion to repayment phase with XXXX took less then 60 days. Our main mortgage loan was sold to PNC right about the time our repayments were starting. We were asked to fill out the same information for PNC to restart mortgage payments. Our packet was determined complete on a voice recorded line and PNC stated no other information was needed and that they would contact us in 30 days with information on how to make our payments. It turns out PNC needed information from us and claimed they called but there was no email, letter in the mail or voicemail letting us know our packet was now determined incomplete. Because PNC was unable to reach us they placed us in an active foreclosure state. Now that we are in an active foreclosure state they have been emailing, calling, and leaving voicemails but were unable to before? The way in which PNC contacts us is very inconsistent. PNC then reported us to the credit bureau and stated we did not pay for XXXX months including the entire forbearance timeframe. The forbearance timeframe which was provided by the federal government during a National state of emergency for XXXX. We have been trying to begin payments since XXXX of XXXX. Every time we go through this process our packet is considered complete within the first week and then just days before the 30 day deadline more information is requested. For example PNC stated we would be able to move forward with payments on XX/XX/XXXX. PNC sent a letter in the mail ( did not call or email ) requesting more documents on XXXX XXXX which wouldnt have been received until after the 30 day timeline. This is the third time we have experienced this from PNC. PNC has shown a pattern of making it impossible for us to reinstate our loan. We want this resolved with our original term and rate when the loan was bought which was XXXX XXXX over 30 years. A rush was recently put on our completed application since our application has been completed XXXX times with no decision brought to us on how to move forward with payments. It was stated that the decision would be brought to us ( the homeowners ) between business day XXXX to XXXX. XX/XX/XXXX was the seventh business day and PNC had no answers for us. PNC stated on the day they should have given us a repayment plan that the credit analyst has not been able to reach the investor. The investor ( XXXX ) is not responding to them yet we had our Heloc in the repayment phase in less then 60 days with the bank XXXX. We continue to do everything in our power to pay our loan. The ball is in PNCs court once again and nothing is moving forward at our expense. We recently received another increase in interest on our Heloc due to the report PNC made on our credit. During this process we are unable to pay our mortgage because of PNC, our credit is continuing to go down and our interest go up. This is unethical and professional malpractice. This prolonged process is literally ruining our lives with bad credit, and increasing our Heloc to over double what it originally was while being threatening by PNC to loose our house to foreclosure. This is also affecting our health by worrying about loosing our house that we have the money to pay for but are being forced into foreclosure. There is no action plan or timeline that PNC is held accountable for. We feel as though this is professional malpractice and will be filing more complaints, hiring a lawyer, and contacting the local news station. Please reinstate our original loan out of forbearance and into repayment. | ||||||
| 03/24/2017 | Yes |
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| My current mortgage hardship is derivative of pushing through a series of catastrophic events. I ended up with PNC Mortgage after the failure of the original mortgage issuer. This current loan was aggressively and misleadingly sold to me by a bank that no longer exists ( National City Mortgage ), persistent mortgage salespeople ( who are embarrassed today about this mortgage ), and appraisers ( no longer appraising ) that all seemed to be in league ( incented ) to sell jumbo interest only loans at high rates. The cost of this loan is expensive to maintain ( with a high interest rate at 7.25 % ), the struggle to keep it current is a drain on all available income and resources. I have repeatedly tried to modify and refinance this loan ( to better terms and interest rate ) over the past decade, each effort denied by the lender ( and investor XXXX ). With no other options to make this loan more affordable, I have struggled to keep up payments. The greater economic collapse in XX/XX/XXXX resulted in significant lost property value, making the value of this property less that the loan 's balance. The property value was underwater. I still kept up with my payments. Business also suffered in the period following the economic meltdown, further depleting my assets. My primary source of income is from rental income. I have a second property that was vacant for a long duration, it was listed for rent and sale, but due to the economic conditions of the area, it did not sell nor rent. It has finally been rented, but carrying this property ( with no other options available ) further depleted available resources while not contributing income. I also had a tenant default and eviction process resulting in {$16000.00} of lost rent and property damages. A judgment was awarded in my favor, however the tenant subsequently filed for bankruptcy protection and I could only recover a fraction of the debt. This situation resulted in a vacant property requiring repairs and lost rent. Personal issues, including the loss of XXXX siblings, and the XXXX of my XXXX resulted in lost income, lost business opportunity, the need to be a XXXX, and significant medical expense. These events have significantly contributed to hardship as most resources : XXXX, XXXX and XXXX have been focused on survival. Despite this grievous hardship, we have forged ahead and kept this mortgage current. Our parents have also declined ( old age ), requiring direct personal attention. We just dealt with a XXXX in XX/XX/XXXX, which consumed all details and personal resources of the past 2 months. I have owned this property and lived here for over 12 years. This mortgage is XXXX, caused by high payments, compounded by the recent 30 % payment increase from {$4600.00} per month to {$5800.00} per month in XX/XX/XXXX. This significant jump in mortgage payment ( increase of {$1200.00} ) almost wipes me out each month. I tried to discuss with PNC mortgage in XX/XX/XXXX but was denied useful assistance toward a modification. Over the years, following the economic collapse, around XX/XX/XXXX, I tried to sell the property. It was considered underwater by realtors, the loan was undesirable and not assumable, we never received a single offer. I could not sell it despite numerous efforts with multiple realtors. In the years since, I have made every effort to keep the property. I have no desire to sell the property, and I have no desire to move. My family lives here, my neighbors are here, I have been here 12 years. I have made a positive impact in this community. My parents are nearby. My partner 's medical needs are met in this area. We do not want to lose our home ; we do not want to move, moving is not an option, and we have nowhere else to go. | ||||||
| 09/15/2016 | Yes |
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| XXXX my husband got the call that he had landed his dream job- to be the XXXX. His entire family is from XXXX and it 's the one place that always felt like home to him. We found a house that we both loved nearby in XXXX, XXXX We loved the location and the design. It is an XXXX structure set on XXXX acres of XXXX. We have very little debt, great credit scores and made an offer well within our means. In fact, the mortgage on this house would be less than our previous house. PNC had financed our first mortgage for 8 years so we went with them again. Our loan officer, XXXX XXXX led us through the whole 45 day process. We were pre-approved and received a mortgage commitment letter. Everything was all set so we would close XXXX XXXX, which was one day after we closed on the sale of our previous house. We started to get excited. I told our XXXX year old son all about our new house and he was thrilled when he saw it. My husband and I started planning Sunday dinners with his family, which we could host on our beautiful deck in warm weather. Then we got some bad news. Our loan officer, XXXX XXXX told us that the appraiser wanted more money- {$720.00} instead of the {$500.00} we initially decided upon. And we could expect at least a week delay. The appraiser told XXXX that the property was unique and so it was more complicated to do the appraisal. We were a little disappointed, but we figured we could handle the delay and my husband was able to talk XXXX into having PNC pay for the extra {$220.00}. We felt like we were in control of the situation. Meanwhile, my husband had to start his first day XXXX. It was an exciting time for him, but a difficult time for me since I had to stay behind with our XXXX young boys by myself in our home in XXXX XXXX, over XXXX hours away. We also have a XXXX old baby, so the sleepless nights and diaper changing was wearing on me. Since we were all set to close on our house on XXXX XXXX, we decided that we all needed to be together and we would move out XXXX XXXX. My husband was unable to take off work, so it had to be that weekend. My husband worked nonstop moving all our possessions into a storage facility that costs roughly {$200.00} a month. The baby and I hit the road to go stay in a rental property at XXXX XXXX in XXXX that would house us on a weekly lease until we could close on our new house. We hoped that we would only need to stay there a week or two at the most since it cost {$600.00} a week. So we made the best of it. I told my XXXX year old it was a vacation. But the days went by and the appraisal still was n't ready. It had come in, but it needed " minor adjustments '', according to our customer care representative, XXXX XXXX. We took on our second week at the lake house hoping for the best. XXXX told me he thought we could close XXXX XXXX. Meanwhile, the people selling the house were getting restless. The young couple had XXXX children and XXXX. They decided to move out so that they could let us rent the house until settlement. But then on Monday, XXXX XXXX, after hours of phone conversations and being put on hold to try to reach XXXX manager, XXXX XXXX, I finally got the news from XXXX and XXXX that PNC would not be able to finance our loan since there were no exact comparables in a close proximity to the house. It was over. I asked XXXX why he did n't prepare us for this possibility. He claimed he did n't know the house was so unique. I reminded him that 's not true- the appraiser had told him that in XXXX and we had told him that when we first applied for the loan. He had nothing more to say about it. I spent the next day talking to every lender I could find and no one wanted to take on a loan with no comparables. Now we have nowhere to live. | ||||||
| 11/04/2016 | Yes |
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| Me and my husband went to PNC bank on XXXX XXXX to ask for prequalification, the loan officer was rude to us from day one saying " we do n't need to exchange pleasantaries '' till we move forward with the application. We saw the interest rates and decided to still go ahead with the loan application. Starting from day 1 he has been nothing but rude and unprofessional to me and my husband. I do n't know if it 's because we were a XXXX XXXX or he just hates to work. Either way, he entered all the information incorrectly and then asked us to sign the documents which we obviously refused to and our lawyer also advised us not to sign them as it can be a legal issue later on. I kept insisting on fixing the information but he kept stalling it. The closing date was supposed to be XXXX XXXX and we were way past XXXX and he still had n't corrected the documents. After mentioning we will complain to corporate he fixed it and tried to affirm that we will close on XXXX XXXX were ready to switch to another mortgage place at that time but he assured us we will be done and that he had all the documents. Eventually, right before the week of closing, the underwriter gets back from her vacation asking for more statements and we send her more, and then she requests more.I understand their need to verify bank statements but this is something that should have been done more than 3 weeks ago and not near the week of closing. Apparently right before XXXX XXXX, on XXXX XXXX, he tells us that closing on XXXX XXXX is impossible and he cant give a date for disclosure, which infuriated us since we gave him more than a month to get his act together. After we asked him why he did n't communicate with his underwriter before, he kept stalling the question and kept being rude to us saying he will try to get it done but cant give a date and now he 's not even saying it will go beyond XXXX XXXX which is the when the lock on the interest rate expires.I have a feeling hes intentionally doing this to jeopardize our loan since we did mention complaining about his attitude and behavior to corporate. He 's clearly not interested in working there or atleast hates XXXX people, which is clear from the rude text message responses he sent us and treated our realtor rudely when all she did was try to expedite the matters which other loan officers did mention would be straight forward to fix. This guy is incompetent and I am not afraid to have legal complaint against him on the grounds of discrimination if need be. I just wanted to file this complaint with federal bureau first to get it to the attention of pnc how incompetent this man is and if necessary we can produce all the communication to prove how rude he has been to us from day to day. Please fire him so he doesnt get the chance to do it to others and also help us expedite this process when there 's still a chance so we dont miss out on the house and the rate lock on our house interest expires just because our loan officer was incompetent or unwilling to be proactive or help us from the beginning. This whole experience is turning into a nightmare.We were so excited about the house and everything was going great except for this last drop with mortgage which was supposed to be in our favor and became the last obstacle. The officers name is XXXX XXXX XXXX ID # XXXX. He sits in the XXXX office near XXXX. I sincerely hope this man is removed from office before he spoils the entire experience for others and a better person gets assigned the job who values pnc and its customers. Also, this officer is now refusing to work with us when he complained to the branch managers about his behavior instead of being apologetic and this definitely needs to be expedited and addressed asap. | ||||||
| 01/18/2017 | Yes |
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| I obtained a HELOC from PNC Bank in XXXX. I filed bankruptcy in XXXX with a statement of Intent to keep the property and reinstate the loan. I continued making payments throughout the bankruptcy. The bank continued to send monthly statements until the bankruptcy was XXXX. According to my intent filed with the bankruptcy, I continued making payments without periodic statements for a year. During that time I requested in writing to PNC Bank to resume sending statements for several reasons : 1. ) I could n't see if the payments were credited to my accounts, 2. ) I could n't see if errors or extra charges were added to my account, 3. ) The HELOC contained two indices and interest rates varied on those indices. 4. ) I could n't see if the bank was guilty of conversion, 5. ) I was unsure if the monthly payment amount had changed, 6. ) I had no record of accounting on my payments, due dates, penalties, etc. and 7. ) I was n't sure if in a settlement with the government whether this loan was relieved ( as my sister 's loan was relieved ). I wrote and called the bank several times asking for statements. I received no answer. Finally I stopped paying for reasons of impracticability. I was able, willing, and had the money to pay, but for the reasons above was barred from paying. I finally got through to the bank in XXXX XXXX. I asked for a settlement in lieu of statements they would n't send. They refused to settle and sent me a payroll statement saying that 0.00 % interest would be charged on the loan until paid in full. I because totally XXXX on XXXX XXXX, XXXX. When the bank would call which was frequently, I was mostly incapable of answering. When I did speak to the bank, they refused to give me statements and they said they did not know the monthly payment amount. On XXXX XXXX, XXXX, I was having a particularly bad day cognitively. I told PNC Bank that at the moment I had no XXXX income which was because I had to fight with Worker 's Comp to send money due to me. On XXXX XXXX, XXXX, without due diligence, the bank recorded a Notice of Default with the county although they had never informed me that I was late or that they were going to record this. My XXXX symptoms including XXXX. I asked my family if this was legal. My sister told me to sue. With great difficulty and not much clarity, I filed suit in federal court on XXXX XXXX, XXXX. I was told that the XXXX XXXX in California favored sending monthly statements and that Bankruptcy code protected banks that had secured liens so that it was lawful to send monthly statements. I was also told that a new TILA law required banks to send monthly statements in XXXX XXXX. However, then I was told this did n't cover the section for HELOCs. However, a reading of the Federal Register Final Rule shows that the intent was only to exclude coupon books loans and small servicers. I ca n't afford an attorney as a XXXX person. I also want to save money won under Worker 's Comp to give to PNC Bank to save my home of 22 years. My XXXX parents have been living with me for over a year. My dad is a veteran who fought in XXXX and he had his leg amputated in XXXX XXXX. My son lives with me and he is XXXX. I have not seen even one case where a pro se plaintiff wins against any of the largest XXXX dollar banks. I feel no hope and i think XXXX. My doctors know this. I am on many medications. I need help and I 'm helpless. I ask the CFPB to fix the law regarding HELOCs that are secured by home. The bank should be made to send periodic statements. This is a second junior mortgage, but they are foreclosing all the same. Please help XXXX people from being evicted from their homes, when all they wanted to do was pay and were prevented by not receiving statements. | ||||||
| 12/15/2015 | Yes |
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| We filed bankruptcy in XXXX XXXX which was discharged on XXXX XXXX, XXXX. We have a home equity loan with a minimum monthly payment of {$690.00}. The loan originated in XXXX with National City Mortgage who was later bought out by PNC Bank. We have made voluntary and regular payments on our home equity loan following the bankruptcy. After the bankruptcy discharge, we continued to receive normal monthly statements from National City Bank and then beginning in XXXX XXXX we received normal monthly statements from PNC Bank. In late XXXX we began making $ 800 monthly payments. Since we were paid ahead on the loan we skipped payments in XXXX of XXXX and XXXX of XXXX and made a {$400.00} payment in XXXX XXXX. In XXXX, XXXX and XXXX of XXXX we received letters from PNC Bank that said " billing statements are generated 19 days prior to payment due date. Since your loan is paid ahead, you will not receive a statement until that time. '' The letters also said " If you wish to make a principal only payment without moving your due date ahead, please circle " Yes '' to the " Principal Only '' question. '' We have never received any type of letter from PNC bank retracting the XXXX XXXX letters about paying ahead on the loan and we have never requested a principal only payment without moving the due date ahead. Beginning XXXX XXXX we made regular $ 800 monthly payments, skipping payments in XXXX XXXX and XXXX XXXX. We did not receive any statements or notices from PNC Bank about having an amount due after these skipped payments. We made a {$400.00} XXXX XXXX payment and a {$600.00} XXXX XXXX payment and still never received any notice of payment due or retraction of the XXXX letters from PNC Bank. We continued to believe that our loan was paid ahead. In XXXX XXXX we applied for a mortgage refinance with XXXX XXXX to refinance both our first mortgage and our PNC home equity loan. PNC Bank submitted a " Verification of Mortgage 12 Month Payment History '' document to XXXX XXXX and this document dated XXXX XXXX, XXXX stated that we had XXXX 30 day late payments with the date next mortgage payment is due as XXXX/XXXX/XXXX. Our application with XXXX XXXX has been suspended because of the 12 month payment history statement from PNC Bank. We requested and received a copy of this document from XXXX XXXX. This is the first time we were aware that PNC determined we had a payment due since XXXX and that PNC considered our payments as late and a loan payment past due. We still have not received any type of statement since XXXX nor any type of letter from PNC Bank retracting the XXXX letters about billing statements. I have asked XXXX different PNC employees why we did not receive a billing statement if PNC believed there was a payment due. They said that our loan had a coupon book, that the billing statements were discontinued in XXXX because the bankruptcy was discharged in XXXX, that it is " illegal '' for PNC Bank to send us statements and that we requested a coupon book in XXXX. These statements are all false. The loan always had statements, the loan was discharged in XXXX, we never requested a coupon book it is not illegal for informational statements to be sent. Today I was told that we could only pay ahead XXXX month on the loan. This is the first time I have heard this and there is nothing in our original loan documents that states this. PNC Bank was obligated to notify us if their policy on billing statements has changed. PNC is obligated to correct their accounting on our loan to properly apply over payments to move the payment due date ahead per their XXXX letters so that no late payments are reflected and the document sent to XXXX XXXX must be corrected to reflect no late payments. | ||||||
| 01/20/2016 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, which is the most recent servicer of my loan has demanded payment from me for a number of years from me, regarding what appears to be somewhat of a phantom debt. This debt has been long disputed multiple times with multiple servicers with relation to the origination of my predatory loan. My loan which was conceived as a National City Bank ( NCB ) line of credit of {$70000.00}, with a rate of 9.5 % interest and placed me at great risk based upon complete disregard for my Tangible Net Benefit and ability to repay. At the time my loan was originated with NCB, failed to protect my future financial interests and ultimately forced my loan into foreclosure as a result of ignoring basic underwriting guidelines as well as violations to The Real Estate Settlement Procedures Act ( RESPA ) which prohibits unfair lending practices. Furthermore, there has been unfounded and incomplete evidence provided by SLS surrounding that the above mentioned loans origination, chain of title and assignments are unclear. SEE EXHIBIT " A '' SLS INCOMPLETE QWR RESPONSE Due to the SLS, failed response to my issues, I 'm considering raising this matter in the Court as I feel it may be the proper venue for action under XXXX, because XXXX more of the Defendants maintains executive offices in or conducts business in the district relevant to where real estate is located in this concern. The interagency Statement on XXXX enumerates certain tactics that may indicate predatory lending. Nonprofit groups have also published widely accepted guidance on these kinds of practices that may constitute predatory lending. Predatory loans typically combine risky loan features, thereby placing the borrower at an excessive risk of default or foreclosure. For purposes of this Complaint, " Combined-Risk Loans '' are loans that meet the definition of high-cost loan under XXXX. XXXX, which is an extension of The Home Ownership and Equity Protection Act ( HOEPA ) and enacted in XXXX as an amendment to the Truth in Lending Act ( TILA ) to address abusive practices in refinancing and home-equity mortgage loans with high interest rates or high fees. Loans that meet HOEPA 's high-cost coverage tests are subject to special disclosure requirements and restrictions on loan terms, and borrowers in high-cost mortgagesXXXX have enhanced remedies for violations of the law. National City Bank ( NCB ), was incorporated under the laws of the State of Delaware. In subsequent paragraphs of this complaint, National City Bank will be referred to as " NCB, '' " the lender '' or " the defendant. " NCB 's business includes engaging in residential real estate-related transactions and regularly extending credit to persons. NCB, as an entity whose business includes engaging in residential real estate transactions -- including home equity lending as well as home purchase and refinancing lending -- is subject to the requirements of the Fair Housing Act, as amended, XXXX XXXX XXXX. XXXX XXXX is also a creditor as that term is defined by section 702 ( e ) of the ECOA, XXXX XXXX XXXX ( XXXX ), and is, therefore, subject to the requirements of the XXXX and its implementing Regulation B, as amended, XXXX XXXX. Part XXXX, in effect on or after XXXX XXXX, XXXX. The provisions of TILA, including HOEPA, are implemented in the Bureau 's Regulation Z. and also contain XXXX or more of the following high risk terms : ( a ) the loan was issued based upon the " stated income, '' rather than the verified income, of the borrower ; ( b ) the debt-to-income ratio exceeds 55 % ; of the actual income ( c ) the loan-to-value ratio is at least 125 % based on the values at time of closing ; ***SEE CONT. COMPLAINT PART XXXX VIA ATTACHMENTS*** | ||||||
| 07/13/2017 | Yes |
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| XXXX XXXX XXXX My name is XXXX XXXX. I was initially involved in a consumer credit transaction when I obtained my home in XX/XX/XXXX. It appears you may have committed Fraud when the online phone application was completed. You completed the attached Uniform Residential Loan Application by phone on XX/XX/XXXX when you were working at XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX, MI XXXX. As indicated on the application in the section II titled Property Information and Purpose of Loan it states the purpose of the loan was a Refinance. Under the section titled Property will be : Primary Residence was selected. Please explain in detail how there could be a Refinance on a home where the estate was held in Fee Simple. Please note that under the section titled : Estate will be held in ; the Fee Simple box is selected PLEASE REVIEW THE FOLLOWING DEFINITIONS OF FEE SIMPLE AS CITED IN THE FREE DICTIONARY BY XXXX ***Fee Simple*** The greatest possible estate in land, wherein the owner has the right to use it, exclusively possess it, commit waste upon it, dispose of it by deed or will, and take its fruits. A fee simple represents absolute ownership of land, and therefore the ownermay do whatever he or she chooses with the land. If an owner of a fee simple dies intestate, the land will descend to theheirs. The term fee used independently is an adequate designation of this type of estate in land. The term simple is added todistinguish clearly this estate from other interests in real property. XXXX XXXX Encyclopedia of American Law, edition 2. Copyright XX/XX/XXXX XXXX XXXX XXXX , XXXX All rights reserved. ***fee simple*** n. absolute title to land, free of any other claims against the title, which one can sell or pass to another by will or inheritance.This is a redundant form of " fee, '' but is used to show the fee ( absolute title ) is not a " conditional fee, '' or " determinable fee, '' or " fee tail. '' Like " fee '' it is often used in deeds transferring title as in " XXXX XXXX grants to XXXX XXXX title in fee simple ... '' or similar words. ( SeXXXX : fee ) Copyright XX/XX/XXXX-XX/XX/XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX. All Right reserved. ***fee simple**** noun absolute interest in realty, estate in fee simple, estate in land, fee simple absolute, holding, legal estate, ownership in property, ownership in real essate, ownership in real property, ownership in realty, ownnrshipinterest, real estate ownership, right in real property, title to property, title to real property, unlimited right to propertyownership, unrestricted right to property ownerrhip, vested interest in land Associated concepts : allodial title, concurrent estate, defeaaible estate, fee simple determinable, fee tail, future estate, leasehold estate, life estate XXXX See also : XXXX XXXX 's Legal Thesaurus, XXXX. Copyright XX/XX/XXXX by XXXX XXXX XXXX. Used with permission of The XXXX XXXX , XXXX. In the box titled Title will be held in what Name ( s ) XXXX XXXX and XXXX XXXX are typed in the box In the box titled Source of Down Payment, Settlement Changes and/or Subordinate Financing Equity from subject property was typed in. I have also observed that under the section titled INFORMATION FOR GOVERNMENT MONITORING PURPOSES In the Race/National Origin section you have XX/XX/XXXX, Note of XXXX Origin selected for both the Borrower and Co-Borrower. Please note that I am a CONSUMER. I ( XXXX XXXX ) have never stated that I was XX/XX/XXXX, not XXXX Origin and neither did XXXX XXXX Could you state YES or NO on whether there was ANOTHER PERSON who was a BORROWER in this transaction? Did you OMIT or FAIL TO DISCLOSE ANY information to me when you were taking this application over the phone? | ||||||
| 11/07/2022 | Yes |
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| My name is XXXX XXXX. I received a alert from XXXX on XXXX that PNC Bank reported that I'm 30 days past due on my installment loan in the amount of {$48.00} for the month of XXXX. My loan payment is {$750.00}. For the month of XXXX I made my loan payment in the amount of XXXX ( The Majority ) of the actual payment. Once I received the alert I contacted PNC and spoke XXXX and she explained that the payment was 30 days behind in which I told her I understood, but what I explained to her was I've been a customer since 2018 when I acquired this loan, I've never missed a payment, never been 30 days behind with my payments even while we were in a pandemic I might add. I even spoke to a young lady over the phone at PNC when I made my XXXX payment that I was in deed short and I will definitely cover it and whatever fees that will be added will be covered for XXXX and she said that was ok. So my question to XXXX was being that I have been a long standing customer with great pay history you mean to tell me you guys will report me 30 days behind for {$48.00}! When I spoke to someone about it got the ok! and I still get reported which tanked my credit score from a high XXXX to the low XXXX XXXX points. Help me make it make since. XXXX stated that she completely understood my frustration and explained that there was no one there that I could speak with and advised me to file a dispute with the 3 credit agencies and that she would file a complaint on my behalf. I asked XXXX to go over my account with me to make sure I wasn't missing anything. She explained that my XXXX payment is due but isn't 30 days behind but there is a late fee because it's after the due date of XXXX and she informed me that I have 2 additional late fees for the same amount for XXXX & XXXX which I wasn't aware of the XXXX fee but it was fine I had no issue with that because there system and my online banking had two different totals. XXXX payment isn't due until the XXXX but I told her I was going take care of the complete balance on Friday XXXX in the amount of XXXX which would include all the fees for the past due and the remaining {$48.00} for XXXX 's payment, XXXX 's payment as well as XXXX. We ended the call and I went ahead and did what XXXX advised and filed the disputes with the credit agencies. Friday XXXX I get an alert from XXXX that PNC has responded to the dispute which they changed the the balance of {$48.00} that they stated I was 30 days behind on to {$790.00} and that it's XXXX & XXXX I'm 30 days behind which now shows I'm past due for 2 months which is incorrect. Mind you my XXXX payment is not until the XXXX and XXXX is not 30 days past due until the XXXX and we're only in the XXXX day of XXXX. I called XXXX and let her know what has happened she asked if someone has contacted me I told her no she said someone is going to contact me about the initial complaint filed on XXXX and I have yet to speak to anyone from PNC complaints department. I expressed to her that I get companies can pretend to care for there consumers and want the best for them but this is just ridiculous I'm in the process of trying to purchase my home so my credit is very vital at this point! I have never had any issues with any of my creditors except for this company! When they made the switch from BBVA the customer service left with them. How do you go from {$48.00} 30 days past due for XXXX to {$790.00} 30 days past due for XXXX & XXXX two months past due when XXXX isn't even due yet! What's really going on companies can just make up what they want to report! HELP ME MAKE it MAKE SINCE! All XXXX told me was they will be in touch and we ended our call. And yes the full balance was paid as agreed with XXXX for XXXX. | ||||||
| 11/12/2021 | Yes |
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| To whom it may concern : Almost a year ago, my PNC bank account was hacked into. This was my student account with my father tied into it. Once the perpetrators acquired my bank account information, they opened a XXXX account in my name. I have tried to dispute these charges with PNC bank as well as XXXX, both have failed to reimburse me any of the money I have lost. These accounts were made on XX/XX/XXXX. The total charges in the XXXX account are {$5400.00}. On XX/XX/XXXX, three charges were made. One being, {$1000.00}. The second charge being, {$460.00}. The last charge on XX/XX/XXXX was {$1500.00}. Then three days later, on XX/XX/XXXX, there were two more charges made. The first charge of XX/XX/XXXX is XXXX. The second charge was {$880.00}. When XXXX was used, there were four total transactions made. This overall burden totals to {$1900.00}. On the day the account was used for the first time ever, there were two transactions made ( XX/XX/XXXX XXXX ). These transactions being {$500.00} each. The two other charges were filed on XX/XX/XXXX. These transactions were {$500.00} and {$460.00}. There was one last transaction made on XXXX on XX/XX/XXXX, however this was denied and never went through. When these fraudulent transfers were made, there were checks being put into my PNC bank account. These checks being deposited on XX/XX/XXXX, through XXXX XXXX. Collectively, there were six fraudulent checks deposited into my bank account. On XX/XX/XXXX, there were two total checks deposited. One check for the amount of {$600.00}. The second check being {$1800.00}. The following day there were two additional checks deposited. In order of the amount of deposits were {$640.00} and {$1800.00}. The last deposits that was made was on XX/XX/XXXX. Those deposits being the last two fraudulent deposits of the total amount of deposits. One out of the two were {$2200.00}, and the other deposit being {$2600.00}. These checks totaling into XXXX. In addition, all six checks did not clear into my account, they were all insufficient funds checks. Even after my account went into a negative balance and two of the fake deposits were shown invalid, PNC still sent money out to XXXX two days later. I was not notified of these events until after everything happened. I never had my account flagged for suspicious activities, nor did I use my card for large expenditures in the past. My father and I received an email stating that my account was over drafted a week after this started, on XX/XX/XXXX. After many phone calls with XXXX, I was told that this was being done in Connecticut from a XXXX server. I have never been to or around the state of Connecticut as I live in Pennsylvania. PNC was unable to provide me any information with help in this case. I was told by PNC bank tellers and the dispute department that this was mainly up to XXXX. XXXX also stated that they would work with PNC to try to find a resolution to my problem. They did not inform me with any kind of information after speaking to them. In XX/XX/XXXX, PNC stated that they would return to us with what would be happening but we received nothing. Nearly a year later, my father and I were sent to collections. The very last person that spoke to us at PNC was XXXX XXXX. She said to my father and I that she would get back to us with an update, however we never received any email, letter in the mail, or phone call from her. If you could please get back to us we both would greatly appreciate it. My father works and I am currently a XXXX XXXX XXXX, so this is devastating to the both us. This was my PNC Primary account number : A concerned civilian, XXXX XXXX E-mail : XXXX Cell Phone : XXXX XXXX XXXX E-mail : XXXX Cell Phone : XXXX | ||||||
| 09/25/2023 | Yes |
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| My mortgage lender PNC Bank is refusing to abide by the methods of payment listed on my mailed statements. When I filed bankruptcy in spring, PNC disabled the ability to utilize online payments. My bankruptcy was XXXX on XX/XX/2023. During the entirety of this time the accepted payment methods listed on my statements have not changed. " PNC Online Banking '' is the first option listed ( and my preferred method of payment ). On XX/XX/XXXX, I called PNC during their operating hours and spoke with representatives and supervisors for XXXX minutes attempting to make a payment. They refused to allow me to make a payment because the debt collection department was closed and they are the only department authorized to accept a payment. At this time I requested online payments be restored as my bankruptcy had been XXXX. I submitted an internal complaint to this effect. Alternatively, I requested my statements be changed to reflect my true payment options as the current statements are false and misleading. I submitted an email to the requested PNC email address with the discharge order from my bankruptcy judge as instructed by the PNC rep. As well as authorized them to pull a credit report or run a XXXX case search to independently verify this information. On the XX/XX/XXXX call, I requested a XXXX Accommodation Request. I suffer from XXXX XXXX XXXX, and being on the phone aggravates this. I put off tasks that require phone conversations, I get elevated XXXX XXXX and have experienced panic attacks while dealing with customer service reps. My reasonable accomodations request was to be allowed to make online payments to avoid phone calls. I was told I would be followed up with within XXXX business hours. However, they stated they would follow up via telephone and refused alternative method of communication such as text or email. On XX/XX/XXXX, PNC called me to respond to my internal complaint. They stated they would not make any changes to reflect what my accurate payment methods would be, they would not allow online payments. I requested information pertaining to my XXXX Accommodation request status. I was told they had no information pertaining to that and could not provide further information or whether a decision was made. On XX/XX/XXXX I called and they accepted my payment via telephone. I requested online payment access be unlocked or my statements be updated to reflect my accurate payment options. They stated they received my email with my attached discharge order, but will not unlock online payments at this time. I inquired about my XXXX Accommodation request, and the agent had no record of me making any XXXX Accommodation request. For a second time, I requested XXXX Accommodation. This time the agent, XXXX XXXX, as directed by her supervisor XXXX XXXX ( title - XXXX XXXX ), stated that I was not even able to make a XXXX request. I needed to have my bankruptcy discuss my mental health with them. I stated that my XXXX Accommodation Request, and internal complaint to recognize my bankruptcy discharge are separate requests and should be treated as such. I stated that I did not hire my bankruptcy attorney to meditate XXXX requests- and thus it is unreasonable to refuse to consider a XXXX accommodation request without speaking to my attorney. They provided an internal complaint number of XXXX. On XX/XX/XXXX, I received a call in relation to my internal complaint. They had no information pertaining to my XXXX accommodation request. I renewed my XXXX request for a third time when she was unable to provide any update. I was told I would receive a return call in couple business days or something I can not recall with specificity. I have not. | ||||||
| 09/05/2016 | Yes |
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| Statement of Relevant Facts in order of date for PNC Account # XXXX # XXXX ) On XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania, Civil Division Case # XXXX as the Secondary Mortgage - second lien position behind PNC Account # XXXX on XXXX XXXX XXXX Catasauqua, Pa XXXX. # XXXX ) On XXXX XXXX, XXXX PNC BANK NATIONAL ASSOCIATION filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania, Civil Division Case # XXXX as the Primary Mortgage - first lien position on XXXX XXXX XXXX Catasauqua, Pa XXXX. # XXXX ) On XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania Case # XXXX obtained an Executable Judgment in the amount of {$54000.00}.. # XXXX ) On XXXX XXXX, XXXX PNC BANK N.A . filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX XXXX Pennsylvania, Case # XXXX obtained an Executable Judgment in XXXX in the amount of {$43000.00} as the Primary Mortgage on XXXX XXXX XXXX Catasauqua, Pa XXXX # XXXX ) On XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the XXXX XXXX Pennsylvania, Civil Division Case # XXXX received XXXX 's Return Writ of Execution on Judgment in the amount of {$54000.00} awarded on On XXXX XXXX, XXXX. # XXXX ) On Friday, XXXX XXXX, XXXX the property was sold for the costs of {$2100.00} Sale # XXXX with a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a 44 % Loan to Value Based of {$100000.00} Fair Market Value from the Realty Transfer Tax Statement of Value. # XXXX ) On XXXX XXXX, XXXX a Sheriff Deed was granted to XXXX XXXX Bank, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a 44 % Loan to Value Based of {$100000.00}. # XXXX ) On XXXX XXXX, XXXX A SATISFACTION OF MORTGAGE for Instrument Number - XXXX was filed for ( XXXX Home Loans - Document No. XXXX ) releasing any obligation to Judgment in the amount of {$54000.00} # XXXX ) On XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX No. XXXX at a tax upset sale sold XXXX XXXX XXXX Catasauqua, Pa XXXX to XXXX XXXX for {$28000.00} subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a 44 % Loan to Value Based of {$100000.00} Fair Market Value from the Realty Transfer Tax Statement of Value. # XXXX ) On XXXX XXXX, XXXX a TAX CLAIM DEED was issued to XXXX XXXX for {$28000.00} subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage. # XXXX ) On XXXX XXXX, XXXX XXXX XXXX XXXX received a collection letter from XXXX XXXX XXXX in the amount of {$49000.00} for PNC Account # XXXX, {$5900.00} above the awarded amount of Judgement Granted on XXXX XXXX, XXXX in the amount of {$43000.00}. # XXXX ) On XXXX XXXX, XXXX XXXX XXXX XXXX received a collection letter from XXXX XXXX advising me that PNC Bank NA, has decided to not to foreclose on reserves the right to collect the account. ( two years and eight months after awarded a Judgment in XXXX ) and XXXX subsequent sales and title transfers. PNC Bank continues collecting on this account while retaining an Equable Executable Judgment in XXXX in the amount of {$43000.00} issued on XXXX XXXX, XXXX and after a XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX upset sale. | ||||||
| 06/06/2023 | Yes |
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| Hello to whomever this may concern, XXXX the XXXX, my car was repossessed. I was given to XX/XX/XXXX to bring payments up to current or the vehicle would be prepped for auction. I was to come up with the amount of {$1700.00}. I paid the {$1700.00} on XX/XX/XXXX and was told the vehicle would be back from storage on the XXXX of XXXX, it was finally returned to me on XX/XX/XXXX. XX/XX/XXXX, I went to get a emissions test, XX/XX/XXXX attempted to register my car for tags. Georgia tag office told me I couldnt register the car because the title was out of state in Virginia. I was told to retrieve my title from Virginia then the car could be registered. I dont know how the car title ending up in Virginia XXXX The only conclusion I have is that they auctioned my car anyway assuming I wouldnt make the payment. Then, had to ship my car back to Georgia, which is why it took two weeks to get it back after I paid the money. If they were going to auction it, they shouldnt have given me the option of paying my past due installments in order to get my car back. I got in contact with the lien holder of my car ( PNC Bank ) and told them upon releasing the car back to me they failed to reverse the paperwork back into my name. As of XX/XX/XXXX, my car is no longer legal for driving. As a result, I have suffered an income loss as my car is used to ride-share in order to supplement my income- its the main reason I bought the car. Ive been confined to my home unable to live and travel. My children live out of state in Kentucky and spend breaks and summers with me. Im unable to go and get them nor visit them or my dad, whom is XXXX years of age and resides in Kentucky. I am the only child and unable to physically check on him. I go to Kentucky once or twice a month. My dad, my children and my grandchildren all stay in the same town. Ive had to pay for XXXX back and forth to work from time to time, and occasionally Im forced to sneak and drive back and forth, because ride-sharing is expensive and I cant afford it every day. I have already been stopped by law enforcement once, but he let me go because he frequents the shop I work. PNC Bank keeps telling me that theyve contacted Virginia DMV, that they are waiting for Virginia to respond. Its been over three months that Ive been inconvenienced with this matter. Ive had to continue making car payments and insurance payments on a car that I cant drive and its hurting financially. I called PNC every day in the beginning but reduced my attempts to once every two to three weeks allowing them time for progress, but to no avail. Im afraid that I will eventually get stopped by law enforcement again, lose the car and my driving privileges, ultimately suffering another repo that would be no fault of mine. I asked PNC Bank is this the only option I have is to wait for Virginia to respond? They replied, this is the only option. It seems as though they arent putting in any real effort to get the paperwork straight, they seem quite passive when I call. The time before last about three weeks ago, I called PNC they claimed they were going to contact the titling agency. This past Friday PNC told me they were expediting the process. I dont know what else to do, but Im the one that will reap all the consequences in this ordeal. Here it is XXXX, Ive had to make four car payments without being able to drive my car. My car payments are {$420.00} and insurance is {$200.00} amongst other expenses, but the time and inconvenience is greater. Our vehicles improve our productivity and quality of life, this has made me absolutely miserable. Not being able to fight back is the worst. Thank you for your time and consideration in this matter. | ||||||
| 05/29/2020 | Yes |
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| My mother owned an account at PNC Ban, it was owned by her Revocable trust, I am the successor trustee for that trust. My mother passed XXXX XX/XX/XXXX. After her funeral in Florida, I stopped by the branch she used, and spoke to the branch manager, and gave her a copy of the trust document. She said I would need to fax down a copy of the death certificate, which i did when I received them from the state of RI at the end of XX/XX/XXXX. I called the branch subsequently to see what the next step was, this would have been XXXX XX/XX/XXXX ( my mother ' birthday ), whomever answered the phone told me that the person I was looking for did not work there, they put me on hold and then said they had no information about my request. I called the 800 number for PNC Bank the following week. The CSR put me on hold, came back and told me I needed to send in the death certificate, probate information and will for my mother to a PNC PO Box in XXXX. I told him it was a trust and not a personal ownership, he said it did not matter. I sent the death certificate and trust to that address, and did not hear anything back. A call on XXXX XXXX to the same 800 number they were unable to tell me anything. In early XXXX I called the PNC XXXX XXXX XXXX, mostly to see whether they knew how to resolve the issue. The very helpful woman called the Florida branch, they were going to call me back. The local branch asisstant manager, XXXX XXXX, called me and told me that the reason my issue was being held up was that the trust document that I had delivered was dated XXXX, and their records show that it was amended XXXX of XXXX. I asked by whom, she said " your father ''. My father passed in XXXX. I asked if they could show me that document, she told me they did not have a copy of the XXXX trust and that I needed to produce it. When I said I had no information of any amendment to the trust, especially in XXXX, she told me to go to the lawyer who wrote the XXXX changes. I reiterated that I did not have any information of any XXXX change. She suggested that I find an attorney to write a letter stating that no such change existed. I contacted an attorney who told me " no attorney in his right mind is going to attest, under the pains and penalties of pergury, that a document that was allegedly executed by a person who was never his client, does not exist. I advise you against signing such an affadavit, as well. It is up to the bank to either produce the trust amendment referenced in their records, or give you the money. If they refuse to do either, you should file a complaint with the CFPB ''. I stated such to XXXX in the middle of XXXX, and as soon as she heard " lawyer '' she told me she could not speak to me further. Two weeks later I received a call from XXXX XXXX from PNC XXXX XXXX @ XXXX. A week later we were finally able to speak and she told me she was waiting for the XXXX trust document from Florida. I told her that PNC Florida was asking me for it and I have no knowledge of it. She told me she would talk to her legal department. Today she called me back and said that I needed to get an affidavit drafted stating that the XXXX trust, that they do not have a copy of, does not exist. I again explained that it makes no sense that they have records of a change but not the document itself, and she told me that she could not give me any more information because I am not listed on the account itself, but I needed to attest that the XXXX change did not exist. The value of the account is less than XXXX, and I have used the trust documents in my posession for managing accounts from XXXX and XXXX with no issue. I do not know where else to turn, this sounds like outright theft to me | ||||||
| 04/27/2016 | Yes |
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| I am a joint owner on my college age son 's checking account. Back in XXXX his account had a fraudulent transaction charged to his debit card. We have spent the past 6 months battling with PNC Bank, regarding this obvious fraud. The circumstances of the fraud are described as follows. My Ohio son was in Maryland for a fishing tournament and had an accident. A towing company towed his friend 's boat trailer to their lot and verbally agreed to tow the boat for {$220.00} and to store the boat and trailer for {$35.00} dollars a day until his friend 's dad could arrange for the transport of the boat and trailer back to XXXX. They said there would be an additional {$120.00} charge to help get the boat on a trailer once XXXX was arranged. My son at that time gave the owner his debit card number. The boat was on the lot for 10 days. When the charge came through my son 's account, it was for {$1100.00}, considerably more than we expected. We tried to call the towing company several times to get a copy of the invoice to no avail. At that time, we felt there was nothing to do but to dispute the charges. I figured that my son 's case would surely go in our favor since my son never signed any paperwork or gave the towing company his pin number. We were disappointed to find that the dispute was ruled against us. As such, I requested copies of what the towing company submitted because I was certain they did not have my son 's signature. Between the time we initially submitted the paperwork related to the dispute and the bank 's initial ruling, we were made aware that the towing company had sent an estimated bill to the boat owner that quoted a {$250.00} towing fee, a daily storage rate of {$35.00} per day and also randomly added a {$50.00} " administrative fee ''. I compared the invoice that the boat owner forwarded to us and the invoice that PNC supplied us and was shocked to see that the XXXX invoices were the same, but that the daily rate had been whited out and changed from {$35.00} to {$70.00} per day. The date was also altered on the invoice. Armed with what I was convinced was proof that this towing company is owned by dishonest and fraudulent people, I appealed the initial ruling. I also noted that there was, as I suspected, no evidence of any signature at all from my son authorizing any charges at all. Despite the fact that PNC had proof that the towing company had doctored their invoice we again lost the dispute. I went to my branch to appeal my case to a live person. She could see the obvious fraud and called someone in their bank to appeal. After XXXX more follow up calls to her and no return call from her illusive bank contact, I again went to the branch and spoke to an assistant manager. She sent my info to their retail escalation manager. That person called my son and left a message. He returned her call 3 times getting her voicemail every time. We then got a letter from her stating that our matter was resolved. There was no detail as to how it was resolved. I again tried to call her to find out more information and guess what? I got her voicemail. I pressed XXXX to speak to another agent and she told me too much time had passed and they were n't going to do anything. I have attached a lot of documentation regarding the matter. The most important of which is the XXXX copies of the EXACT invoice that obviously shows the fraud this vendor has committed. On top of that, PNC Bank with their ineffective follow up has rewarded this thief with my college age son 's hard earned {$450.00} dollars. I have exhausted my efforts with PNC, they will not do anything further to help me. I am appealing to your organization so that better heads will prevail. | ||||||
| 10/17/2016 | Yes |
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Web | Older American |
| In XX/XX/XXXX-XX/XX/XXXX I had taken a home equity line of credit for XXXX with National City Bank. It was never used ( not one penny ). XX/XX/XXXX PNC took over National City. We never used those checks not one. My ex-husband lived in the other house we sold. I never got a bill or notice or email for a charge from PNC yet XX/XX/XXXX when I was already divorced I applied for a 0 % energy loan and on my credit reports there was a blemish that I did not pay PNC. I had no idea it was there. I called PNC and talked to the loan dept, they would not tell me what the char charge was for. Finally they claimed it was for flood insurance. I did not need flood insurance our town maps were not coded and it was not mandatory. Yet I was asked to pay {$160.00} and they would close my account with them. They reported the payment as a " charge off " I thought I was free and clear they asked me to pay XXXX and claimed they would close the account and report it to the credit bureaus. I got XXXX loan loans after that. How was I to know that not only did they charge me for an amount I did not owe, but now I ca n't get a mortgage or refinance because of their error. The documents attached will prove this. XX/XX/XXXX I was able to get a loan and buy my ex-husband out of the home I live in ( 35 years ) plenty of equity. The banks overlooked the PNC ( charge off ) so I was able to get the loan. I am now newly married and my husband and I have been trying to get a mortgage/home equity to fix up this house. My mortgage company did a refresh of my credit and PNC still has this charge off reported on my credit. This will stop us from getting a mortgage or a home equity for 3-4 more years. By then the rates will go up and I already lost a very good rate. Everything is at a standstill and I have called so many people at PNC and nobody would help or guide me. My dispute is very easy there never should have been any charge in the first place ( see attached documents ) with PNC letterhead that states clearly No Flood Insurance Required. Also I am aware that divorce issues are taken into consideration as far as me receiving any bills from I PNC I never received notice of any kind. No email, no letter, no phone calls My ex-husband claims he never got anything from PNC either or he would have forwarded them. I am asking for recourse from PNC and an explanation of what those charges were for. Why did n't they bill me. Why did they report me to the credit bureaus and not my ex-husband who was a co owner and co signer? Why are my calls and my certified letters going unanswered? My husband and I have excellent credit. That one charge off from PNC has caused so much frustration and XXXX. PNC refused to give me email addresses, physical addresses and would not return my calls. They also would not give me a person to talk to that could help. I did get names of people at PNC I talked to that were not helpful. I have documented there names and there depts. and extension numbers. I have also sent a report to the Comptroller of the Currency in Ohio where PNC has a home office. All of my letters to the XXXX major credit companies XXXX, XXXX, and XXXX were sent certified. They ha have not helped at all. I also sent a certified letter to The Loan Dept at PNC in XXXX, Pa but they have not sent my certified receipt back yet, and I have all of the others. No help whatsoever. Please I would like you to advocate for PNC to remove this from credit reports. All three major credit bureaus will remove by XX/XX/XXXX. This is a charge I am completely disputing and a charge off that I want removed from my credit reports as soon as possible. Can you please help us? Attached are the documents with proof. | ||||||
| 05/20/2023 | Yes |
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| On or before XX/XX/XXXX : Fraudulent online home equity mortgage application was initiated by identity thief. XX/XX/XXXX : Upon returning home from vacation, we received a completed Home equity loan application from PNC bank in the mail asking for $ XXXX line of credit against one of my properties. Loan request had my personal information, including Name, address, birthdate, SSN, employment history, and mortgage and Credit card information. I did not submit this loan request. The only thing which was not mine was the contact email and phone number and an incorrect race designation as XXXX XXXX. XX/XX/XXXX : Called PNC bank and initiated Fraud report and froze processing on the loan application ( talked with " XXXX '' ). PNC stated they would get back to me regarding issue. XX/XX/XXXX : Called FTC to initiate fraud report. XX/XX/XXXX : created accounts with all three credit bureaus and froze my credit reports and notified banks of fraud. XX/XX/XXXX : After no response from PNC ( including my multiple attempts to reach them ) I finally was able to reach PNC Bank Loan administrator ( XXXX XXXX XXXX # XXXX XXXX ). Notes from discussion : 1. Person completed on-line loan request with the following information : Name, Social Security #, Birthday, Current address, address of home which initiator was requesting loan against, and employment history. 2. PNC bank subsequently completed a credit report during their attempt to process the application and ADDED MY MORTGAGE INFORMATION, EXISTING LOANS, AND CREDIT CARD INFORMATION TO THE LOAN APPLICATION FORM. THIS INCLUDED COMPLETE ACCOUNT NUMBERS AND BALANCES for a number of the accounts. 3. PNC bank sent this additional information back to the loan initiator without any verification of the identity of the loan via email to the provided email address on the loan application which belonged to the suspect. 4. XXXX ( PNC Loan Officer ) sent a hard copy of the loan application to me at my current mailing address ( provided on the loan application by the loan initiator ) because she did not receive a response from the email and phone messages she had attempted contact with regarding next steps in the loan process which would have required that the applicant provide additional documentation such a pay stubs, utility bills, and other information that would have verified the applicants identity. 5. Per discussions with XXXX she stated that per the process, PNC does not provide complete account numbers in the loan request. But the loan request DID have complete loan and credit card account numbers. -- -- -- XXXXPNC BANK PROVIDED ANOTHER PERSON MY PERSONAL FINANCIAL INFORMATION 6. XXXX stated PNC would contact me by XX/XX/XXXX with additional information regarding how this happened. I requested specific information including : 1 ) Exactly what additional information was provided to this individual, 2 ) Why was providing this information acceptable without validation this was the correct person? XX/XX/XXXX : XXXX from PNC bank called me and stated they would not provide me any additional information regarding the fraud attempt and told me I should contact the credit report companies, my mortgage and the Credit card companies. She also refused to address any of my concerns regarding the disclosure of personal financial information by PNC and stated that the issue would be addressed internally. When I continued to request additional information and demanded to speak with a manager she stated a manager would call me in 1-2 business days then hung up on me. PNC Bank Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX Loan Originator : XXXX XXXX XXXX | ||||||
| 02/06/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I ordered a home bar from an online store that I found online called XXXX. I made an initial deposit of {$530.00}, with the remaining balance being paid upon completion and prior to shipping. I was given a delivery timeframe of XXXX to XXXX weeks. On XX/XX/XXXX I sent XXXX XXXX ( the owner ) an email asking for an update since this day marked XXXX weeks since I made my initial deposit. On XX/XX/XXXX I received a reply and was just told that it was still being worked on, nothing further. On XX/XX/XXXX, nearly XXXX weeks since I gave my initial deposit, I receive an email stating that sales would send over an invoice for the balance and that would carry me over to shipping. I went ahead and made the balance payment of {$530.00} on XX/XX/XXXX. I then ask if the bar had been painted the colors I had asked for, XXXX and XXXX and was told that I would need to make an additional payment of {$250.00} because the paint was not included in the price. I ended up making the additional {$250.00} payment on XX/XX/XXXX just because I didnt want to go back and forth at this point. I finally received the bar on XX/XX/XXXX, XXXX weeks after my initial deposit. On XX/XX/XXXX I email the owner asking for instructions, so that I could begin putting the bar together, since none was included, and to advise him that I did not receive an LED light kit that was suppose to be included in the shipment. I receive a reply on XX/XX/XXXX saying that he would upload the instructions to his website and that he would ship out the LED light kit. I went onto his website, XXXX XXXX, in an attempt to retrieve the instructions and to my surprise, the website was no longer active. On XX/XX/XXXX I send him another email asking if he uploaded the instructions and asked if he had changed his website. I dont hear back from him until XX/XX/XXXX and his reply was that he was sorry and that he had attached the instructions. No mention of the website being down. Later that day, I began putting the bar together and immediately noticed the bar had lots of damage, the wood used was very cheap and the wood parts were all chipped, warped and pieces were already coming apart. The bar could barely stand still without wobbling due to the bad craftsmanship and cheap materials that were used. I became very upset, due to the fact that I paid nearly {$1500.00} and had to wait nearly XXXX months for this bar and for it to be this bad. I sent XXXX and email describing all of the issues going on, I even included pictures and video as proof. His reply was, lets dive into it next week and see what we can do. Out of curiosity, I began doing some research on his website, XXXX and came across the XXXX XXXX XXXX website, were this man has over XXXX complaints regarding issues very similar to mine. Thats when someone on the site mentioned that he had changed his website and that it is now called, XXXX. This made me even more upset, the fact that this man just has to change his website and can continue to scam people from their hard earned money. Monday evening, XX/XX/XXXX, I sent him another email asking what was going on, since I Had not heard back from him. I advised him that I would like to return the bar back to him and that I would just like a refund. Here we are, XX/XX/XXXX and I have yet to hear anything back from him, nor have I received the LED light kit that I purchased. I am stuck with a bar that is not functional and is nothing more then a pile of cheap wood. I filed a dispute with my bank and provided them with all of this information plus pictures and receipts and my dispute was denied. I dont understand how that is possible when this person I purchased from, is clearly ripping people off. | ||||||
| 08/16/2022 | Yes |
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| XX/XX/22 - I made 2 transactions under my XXXX account to unauthorized recipients. One transaction was for {$400.00} and another was {$500.00}. I only sent the money as an investment for more money back, when I was under the impression that the recipients were owners of my friend 's company. After finding out afterwards that my friends identity was compromised when her XXXX account got hacked months ago, I had realized I was never getting that investment back. The same day, they managed to con me into giving all my information and hacked my XXXX as well. I called my bank, PNC immediately to change my card number and also to file a dispute over those transactions. They told me I would have to wait until the transactions were no longer pending before I could file. XXXX I called and made the dispute for my transactions. Was told I would be notified after 10 business days if there was any change to the case, such as denied or needing more information to investigate. That notification would come via mail. I had all the proof they needed but they never gave me a chance to send it. XXXX I called PNC to ask about the status of my dispute and was told they had sent me something in the mail but could not access information there over the phone. All I received in the mail was a new debit card. I never received the mail that would notify me about my dispute. XXXX Recovering from major XXXX so I couldn't contact anyone until I was conscious again. Spoke with someone over the phone with PNC reopening the case after finding out the dispute had been " closed '' and denied before the next 24 hrs after filing. Never once recieved the mail explaining why. The lady I spoke to took down more notes about my dispute and complaint and re-opened the dispute and filed it a different way. I was assured that this time I would receive some type of update within 48hrs of that phone call to discuss more. XXXX I received an email and 1 voice-mail from someone in PNC Bank Retail Support XXXX XXXX XXXX were unable to reach me and gave me their number to try and reach them instead to discuss more about my concern. However I ended up leaving 2 voice-mails with that specific number they left me after not being able to get ahold of them either, then replied to email stating my attempt to reach them back. XXXX I had my fiancee drive me to a PNC to speak to someone one-on-one about this whole mess, and was instructed to call PNC Tier Two and to not give up so easily since this was a very complicated case. Called Tier Two same day and got the run around and transferred to XXXX XXXX. Spoke with XXXX XXXX who said this was not their jurisdiction and was referred back to XXXX XXXX. Spoke with someone for over an hour discussing everything in fine detail. They managed to contact the original PNC employee who emailed me, who then called me the next day. Finally received the mail about my dispute denial with an actual reference number. XX/XX/22 - I received another voice-mail from the same PNC employee who emailed me the first time. Their voice-mail basically stated they could not help and that I needed to try and file a complaint with the FCC.GOV. OR FTC.GOV ( hard to hear ), and that's what lead me here. I just want someone to truly listen to my complaint and realize this situation is more complicated than it looks, and is not as black and white. I've been told I'm not the only one who feels that I truly deserve a CHANCE to prove why my disputes should have been approved. I hope this complaint will help me get that at least. Especially after being told not to give up. There's a bigger picture here and im relying heavily on that money to get my through my XXXX recovery time off. | ||||||
| 06/15/2020 | Yes |
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Web | Servicemember |
| The way I have been treated by PNC Bank is unacceptable. The XXXX XXXX is not an excuse for the poor treatment from PNC employees, and it only exacerbates this case. PNC Bank shouldnt be taking advantage of customers vulnerabilities during a worldwide pandemic or under any circumstance. The situation with PNC began PRE-COVID/PRE-Pandemic, and due to PNCs lack of follow-up, effort, and questionable ethical practices. PNC Bank has extended the problem since XX/XX/2019. I have called PNC Bank to remedy the situation, and much like the norm, problems are passed to a new rep who makes promises never delivered. The most important aspect of this complaint centers around a dispute that began in early XX/XX/2019. I have been dealing with the dispute issue for seven months. One out of two transactions were confirmed as permanently credited, and considered in my favor. The larger of the two debits, XX/XX/2019, for {$540.00}, was permanently credited, and the circumstances surrounding the problem was the same as the transaction that occurred on XX/XX/2019, as they were XXXX transactions, debited separately for XXXX order. Breakdown of the dispute : XXXX transactions at XXXX XXXX store on the following dates : XX/XX/2019, for {$540.00} and XX/XX/XXXX for {$460.00}. The transactions mentioned above were placed under dispute because XXXX XXXX who admitted via email ) charged my PNC XXXX card in addition to my XXXX XXXX card. The intended card for use was XXXX, as it was my default payment method on XXXX web payment form. XXXX maintained both cards on file and charged both of the cards the same amount, hence the reasoning behind the dispute, paid by other means. Both PNC and XXXX were my XXXX methods of payment on file with XXXX. They charged my card based on the selection during checkout, where the selected card was my XXXX XXXX card, not my PNC XXXX card. Please note, this matter is the first time I have ever opened a dispute with PNC Bank. To better illustrate the situation ( XXXX dont want this to be confused with a double charge ). This matter is specific to paying by other means. Debit # XXXX on XXXX XXXX XXXX - {$540.00} on XX/XX/2019 Debit # XXXX on PNC XXXX XXXX - {$540.00} on XX/XX/2019 Debit # XXXX on XXXX XXXX XXXX - {$460.00} on XX/XX/2019 Debit # XXXX on PNC XXXX XXXX - {$460.00} on XX/XX/2019 I have attached the following documents to this complaint with the CFPB, to support my dispute with PNC Bank : - XXXX statements from PNC Bank displaying the charge from XXXX for {$540.00} and {$460.00}. - XXXX Statements from XXXX Bank, showing the debits from XXXX for {$540.00} and {$460.00}. - Statement from PNC Bank, displaying permanent credit for {$540.00} XXXX first of the two-part transaction XXXX This proves that they permanently credited, in my favor, the first of a two-part transaction, that pertained to XXXX single order ( broken up into two-parts vis-a-vis XXXX. - Statement from PNC Bank, displaying provisional credit for {$460.00} - Statement from PNC Bank, displaying the first credit reversal XXXX XXXX XXXX for {$460.00}. - Statement from PNC Bank, displaying the second provisional credit for {$460.00} - Statement from PNC Bank, presenting a second credit reversal XXXX XXXX XXXX for {$460.00}. - Emails from representatives at PNC Bank confirming they were rectifying the situation and never followed through with their promises. - Fax confirmations sent to PNC Bank prove that I sent supporting documentation, within the time frame requested, that the bank required, to dispute the charges. - Email proof from XXXX web services that they did charge my PNC card in error and stated I would have to dispute the charge with my bank. | ||||||
| 10/17/2023 | Yes |
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| PNC bank sent me an alert message stating that there were suspicious transactions in my account on XX/XX/XXXX at XXXXXXXX XXXX. At XXXX XXXX XXXX XXXX I immediately called XXXX from my former phone number XXXX to report that I never authorized and made those changes. The banker who answered the line followed the requirements to identify me and she asked me the security questions. She also asked if I authorized those transactions. She asked me to log in to my online account, I tried but the credentials did not go through. While talking to her she stated : " They are doing big transactions now, this is serious hold on please '' and my nightmare started here because she never got back to me. This individual left me on the phone on hold forever. While waiting on the phone for her to get back to me PNC Bank called me and left a voice message. At that moment I was very nervous and disturbed and I was even afraid to answer the phone thinking the scammers were calling to obtain more info. I decided to make a second phone call to the Fraud Department on my other device from my work XXXX, while still waiting for the first lady who never returned to me. At XXXXXXXX XXXX. I called XXXX. The banker started to ask questions and I told her that this was an emergency situation because someone accessed my account without my authorization. I was very disturbed and told her to hurry up. This other individual put me on hold again and never got back to me. I was waiting on both devices for someone to get back and it never happened. Then I decided to go to the branch which was close by from where I was. When I arrived there I showed the banker that they put me on hold and that I was calling because of the message alert, and so far no one had done anything. The worker from PNC was very diligent and helpful. However ; it was very late because the scammers took {$9000.00} from my account ending in XXXX. The scammers initially transferred {$10000.00} and {$12000.00} from my savings account ending in XXXX, to the spending account ending in XXXX. The branch apparently put my accounts on hold because they opened an investigation. Also, they opened a new account with the remaining balance ( {>= $1,000,000} and {$530.00} ) They said that I could not have access to the online banking services because of the hold and that I needed to come back the next day to transfer my payroll balance to the new account and reactivate the online banking services. They gave me a new debit card which I could not use due to the hold. The next day in the afternoon I came back to the branch XX/XX/XXXX. They transferred my payroll credit ( {$2500.00} ) to the new account ending in XXXX. When I checked the balance from the receipts they gave me when they opened the new accounts, the money was less. What a surprise I found that the scammers took another {$4000.00} from the new account ending in XXXX. After all of this bad practice and outrageous customer service, I decided to close my accounts and take with me the remaining balance. They cut out 2 checks for {$500.00} and {$11000.00}. Now PNC owes me {$13000.00} and I am expecting to receive the money-back ASAP. I reported everything to the Fraud Dpt on Sat XX/XX/XXXX over the phone the case # is XXXX. Today XX/XX/XXXX I went back to the branch and they indicated that they document a complaint and also asked me to sign the two attachments for {$2000.00} each. I also reported this incident to the police since my personal identity was compromised the Officer is XXXX XXXX, XXXX XXXX XXXX XXXX Police. Please follow through on this incident and help me to recover my money, since the way PNC Bank handled customer service and the safety of my savings. | ||||||
| 05/13/2023 | Yes |
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| Please note that PNC was issued TWO demand letters. Their claim of progress, should not be accepted as the demand letter emphasized two things ; XXXX and disbursement. They have also been supplied with all information needed to complete the transaction of a requested wire and any notification that deviates from informing CFPB a direct transfer was completed should be regarded as a failure to comply and an open, unresolved compliance case. Submitted will be that demand for disbursement. At the close of day XX/XX/XXXX, I was informed that they will be mailing out checks instead in violation of the terms and a third and very specific demand has again been sent. I believe based on this turnaround that XXXX XXXX who at the start intended to do a wire, was overruled by a superior officer based on contents in correspondence that was received. I also believe that the checks issued twice before, the refusal to initially split the check until a letter to departmental heads was sent, and subsequent fraudulent routing and account information were all racially motivated and a hate crime. PNC has now been issued a THIRD demand and per breach of the other letters, has accepted payment of all legal fees associated with fund recovery. Documents sent as a customer included proof of XXXX and with full disclosure, has failed to comply as a matter of right ; an ethical violation. They have also been informed that XXXX right to reasonable accommodation is mandatory and no other tender will be accepted based on that law and civil trespass which included listing false balances to be negative on a positive account and then sending that fraudulent account to collection agencies, a felonious crime and possible ID theft. Any claim by PNC of any other disbursement method are to be considered a breach of contract and an XXXX violation of compliance under law. They have been given until the end of day on Monday for disbursement via transfer ONLY and well within my rights. This discriminatory conduct has been consistent and unrelenting and I believe the Executive Client department is engaging in conduct unbecoming and malicious intent. Due to this, I have informed the institution that due to bullying and strong-arm tactics, a a pattern of discrimination due to both race and XXXX, tampering, deceptive business practices and fraud including trespass I have decided it best to cease any attempt of civility and continued efforts to cause distress and financial harm has failed. It is a necessary step that will shift all future contact to the affected male third party directly., simultaneously creating a witness to fraud and deception. I am convinced doing so will create instant cooperation among the staff. LETTER OF DEMAND This demand letter includes a disclosure clause that PNC gives full authorization to display evidence of misconduct, orally or written, ALL forms of correspondence in relation to this matter including third-party attempts to recoup losses. They ( PNC ) are also responsible for the disbursement of funds not received including a XXXX XXXX returned {$250.00} transfer from XXXX sent on XX/XX/XXXX and yet to be distributed by PNC after closing of accounts, overdraft fees incurred as a result of deliberate computer trespass via a false frozen claim on a linked non-PNC account and accompanying documents. AUTHORIZATION OF RECORDS The authorization to disclose and/or display records shall be effective and binding starting XX/XX/XXXX with no end date on any forum, at any time, publicly or privately without recourse and shall be acceptable evidence of PNC compliance on any filed counter measure, complaint, and claims of violation and/or revocation requests. | ||||||
| 09/22/2020 | Yes |
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| I am disputing the late payment mark made to m I opened a credit card with PNC in XXXX of 2020 and asked to have online banking set up to make payments. My job and family are very demanding therefore I don't have time to do much so online banking is the best way for me to pay bills. PNC issued my card and online PIN to set up online banking via mail XX/XX/2020 but the PIN number provided to set up online banking did not work. I called and spoke with someone regarding the PIN number not working to activate my online banking and they walked through everything with me and said the best way to fix it was to send me another PIN. I agreed to that. The team member issued be 2 PINS which were received and didn't work. I am assuming they didn't work because 2 PINS were sent out for the activation of online banking for 1 customer. On XX/XX/2020, at XXXX XXXX EST I spoke with a representative, XXXX XXXX, and explained the issue with the 3 previous PINS and expressed how frustrating and how much of a hassle the ordeal was becoming. I stated my payment was past due and need to get that taken care of along with making sure my online banking issue was fixed. After making the payment, XXXX told me that my account was good to go and I could use my card the next day, XXXX.The PIN given to me during the course of the call was provided at the very end of the call because it was only active for 15 min. Immediately following the phone call, I successfully was able to set up online banking and use it. On XX/XX/2020 I received an email from my credit reporting agency stating the account was closed due to a missed payment. I called and filed a complaint on XX/XX/2020 at XXXX EST explaining that my payment had been taken care of and was told my account was fine and nothing further needed to be done. I requested the call recording be pulled and provided the representative 's name, date and time of the call. I also requested calls be reviewed from when I called in complaining about the previous 3 PINS being sent that did not work. I expressed that they could pull my IP address and attempts at setting up online banking to see how many times I attempted to set the service up. ( I have attached the 3 PINS sent to me by the bank ) The person working my claim at PNC is XXXX XXXX. XXXX stated she would be unable to fix my credit report due to the missed payment. I explained what occurred and she stated the only other option I had was to write a written dispute. I received the information and the written dispute has been mailed to PNC on XX/XX/2020. I asked XXXX if she reviewed the call recording and she said she had not. I expressed to her that it was not fair to conduct an investigation and not look holistically at the situation. I told her I requested she specifically pull the call between XXXX and I as misinformation was provided to me. XXXX said she would look into it but he was no longer with the bank and could not provide any coaching on the matter. I filed a dispute with credit bureaus on XX/XX/2020 regarding the account being closed for their fault of not correctly setting up my online banking and for the numerous attempts I tried to get the issue fixed but it was not. Also filing the complaint because the representative I spoke with, XXXX XXXX, told me that my account was fine and good to go when it was not. If he would have told me there was an issue, I would have addressed it immediately. Due to the misinformation provided by XXXX and the numerous PINs that were sent that did not work to set up my online banking, PNC is negligent and failing to correct their mistake. I would like this removed from my credit report and the issue is not my fault. | ||||||
| 02/16/2017 | Yes |
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| Beginning XX/XX/XXXX, PNC erroneously purchased multiple forced placed insurance policies, which have since been acknowledged by PNC as errors in a letter dated XX/XX/XXXX. The diversion of funds for insurance caused a cascade effect of shortfalls and penalties as a result of the original errors. PNC has not yet fully refunded these amounts or accounted for the incorrect accounting that ensued. I claim ; 1. As agreed in a PNC letter dated XX/XX/XXXX, PNC credited principal for {$810.00} but has since reversed that transaction without explanation and has failed to correct this after being informed. 2. The methodology of issuing dollar for dollar refunds many years later is mathematically flawed, resulting in an overstatement of principal balance and excessive interest charges to the borrower over the life of loan. 3. The accounting reports provided by PNC are obtuse, confusing and poorly documented to the point of being impossible to independently audit. The outstanding balance does not agree with a simplified amortization that eliminates all the superfluous transactions. 4. Since XX/XX/XXXX, borrower has fully complied with the mortgage agreement to the extent possible given the errors and misinformation by PNC and that a recomputation of payments since that time, eliminating all erroneous information, applying mortgage payments solely to principal and interest, shows that the outstanding balance of the loan is overstated by {$2600.00} as of XX/XX/XXXX. 5. PNC has breeched our contract by incorrect application of funds as stated in paragraph 2 of the Mortgage Agreement and failing or refusing to correct these errors that have been brought to their attention in five different RSPA Qualified Written Requests since XX/XX/XXXX. 6. Borrower has incurred substantial costs and time to discover and bring these errors to the attention of PNC and is entitled to compensation as allowed by RSPA regulations. As a starting point, as of XX/XX/XXXX the outstanding balance of the loan is stated by PNC to be {$150000.00} and I agree with that amount. I claim that since that date, there are no valid cause for funds to be applied to anything but interest and principal and that a simple reconstruction of the monthly payment transactions since that date ( to principal and interest ) is all that is necessary to establish the correct outstanding balance. ( See attached spreadsheet ) As of XX/XX/XXXX the PNC stated balance is {$10000.00}, however a simple amortization of transactions since XX/XX/XXXX with all PNC errors and subsequent corrections eliminated, produces an outstanding balance of {$8000.00} ; an overstatement of outstanding balance by PNC of {$2600.00}. The exact cause of this discrepancy is impossible to pinpoint, due to the numerous undocumented transactions in the PNC loan accounting. However, the concept of refunding fees at a later date, after subsequent principal/interest calculations have occurred, is a fundamentally flawed accounting method that results in the overstatement of outstanding balance, inflating all subsequent interest calculations. Although seemingly small, the miscalculations are compounded and passed along to each subsequent mortgage payment, resulting in significant interest overpayments by the borrower throughout the life of the loan. I request PNC to state any and all valid charges that have occurred since XX/XX/XXXX which are not a consequence of errors by PNC and if there are none, as I maintain, then PNC should accept my amortization calculations and reduce the outstanding balance by an amount of {$2600.00}. I also request compensation for time and costs I have incurred, by an amount to be determined. | ||||||
| 09/28/2022 | Yes |
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| Hello Consumer Help, My name is XXXX XXXX. I've been a customer at PNC for a decade or more. To there is a continuing problem with deductions in my XXXX XXXX XXXX account. The pending deductions decrease the account for several days. When these deductions finally post the money is not returned to my available balance. Literally, I have been charged one XXXX charge 4 times in pending ( {$34.00} on XX/XX/2022 ). When this charge posts I will not receive those deductions back. It's happened before. XXXX charge ( {$160.00} ), on XX/XX/2022, in pending payments has not yet applied to my spend account. Yet it has decreased my free balance 3 days in succession for a total of {$500.00} according to the post calendar. This has put my account in a negative balance which I had to cover. Also XXXX ( {$4.00} ) has been in pending for 3 days decreasing my available balance by {$17.00} total by XX/XX/2022. Earlier this month on XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX 's pending payments of ( {$73.00} ) and ( {$130.00} ) decreased my free balance for 3 and 5 days forcing me to cover from other accounts before the payments finally posted to my XXXX account. When these deductions finally posted in my XXXX the daily deductions from pending remained. I have called PNC to discuss this issue in pending. No other card or bank service has this issue. I am owed at least {$1200.00} from this week 's these repeat pending deductions that were not immediately posted to my account. This is not the totality of loss. This is just what I've noticed from XXXX til XX/XX/2022. PNC says it is the fault of the vendor. I believe it is the fault of the PNC app for allowing repeat posting or holding of debit card transactions. They should have a department to resolve this and take of their customers ' money I have multiple payments that have already reached the merchant only to stay posted in PNC pending status for several days. This is not a credit card. These are cash transactions using my debit card. I have been keeping track of these deductions and rearrangements. Please assist me in addressing this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX Message from XXXX at PNC : Good Day, XXXX! Sorry for your confusion. When transactions hit the account and are pending, they are viewable in the Pending Activity section. This is typically appears as soon as the card is swiped or authorization is given. PNC views this as an authorization or request to suspend the use of the funds. Merchants request for authorizations can be listed for one to seven days. PNC will wait for the merchant to submit confirmation or receipt before we pay the funds from your account. Because posting is dependent on individual merchants, the authorization date and the posting date do vary. When these items officially post to the account and are paid, they can be viewed by selecting the Posted Transactions. If the pending authorizations have been cancelled, the merchant determines when the hold is set to be removed. To expedite the hold removal, Please have the merchant contact XXXX between the hours of XXXXXXXX XXXX and XXXXXXXX XXXX Monday-Friday. This is our Merchant Hold Removal Department. That merchant will have to call without you on the phone, as sensitive business information needs to be verified and the department will not speak directly to customer 's or while you are on the line. Please ask the merchant to have the following details handy : Full card number used Cardholder 's name Date of the initial authorization Amount to be removed If the information is all inclusive and the request is within guidelines, the request will be fulfilled immediately. | ||||||
| 08/08/2016 | Yes |
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| Statement of Relevant Facts in order of date for PNC Account # XXXX # 1 ) On XXXX XXXX, XXXX XXXX Bank, XXXX XXXX Trustee for XXXX XXXX XXXX XXXX filed a Foreclosure Action in XXXX against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX County Pennsylvania, Civil Division Case # XXXX as the XXXX Mortgage - XXXX lien position behind PNC Account # XXXX on XXXX XXXX XXXX XXXX, Pa XXXX. # 2 ) On XXXX XXXX, XXXX PNC BANK NATIONAL ASSOCIATION filed a Foreclosure Action in XXXX against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX County Pennsylvania, Civil Division Case # XXXX as the Primary Mortgage - XXXX lien position on XXXX XXXX XXXX XXXX, Pa XXXX. # 3 ) On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Trustee for XXXX XXXX XXXX XXXX a Foreclosure Action in XXXX against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX County Pennsylvania Case # XXXX obtained an Executable Judgment in the amount of {$54000.00}.. # 4 ) On XXXX XXXX, XXXX PNC BANK N.A . filed a Foreclosure Action in XXXX against XXXX XXXX and XXXX XXXX XXXX in the Court of Common Pleas, XXXX County Pennsylvania, Case # XXXX obtained an Executable Judgment in XXXX in the amount of {$43000.00} as the Primary Mortgage on XXXX XXXX XXXX XXXX, Pa XXXX # 5 ) On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Trustee for XXXX XXXX XXXX XXXX filed a Foreclosure Action in REM against XXXX XXXX and XXXX XXXX XXXX in the XXXX County Pennsylvania, Civil Division Case # XXXX received Sheriff 's Return Writ of Execution on Judgment in the amount of {$54000.00} awarded on On XXXX XXXX, XXXX. # 6 ) On Friday, XXXX XXXX, XXXX the property was sold for the costs of {$2100.00} Sale # XXXX with a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a XXXX % Loan to Value Based of {$100000.00} Fair Market Value from the Realty Transfer Tax Statement of Value. # 7 ) On XXXX XXXX, XXXX a Sheriff Deed was granted to XXXX XXXX XXXX, XXXX XXXX Trustee for XXXX XXXX XXXX XXXX subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a XXXX % Loan to Value Based of {$100000.00}. # 8 ) On XXXX XXXX, XXXX A SATISFACTION OF MORTGAGE for Instrument Number - XXXX was filed for ( XXXX XXXX - Document No. XXXX ) releasing any obligation to Judgment in the amount of {$54000.00} # 9 ) On XXXX XXXX, XXXX County of XXXX Tax Claim Bureau No. XXXX at a tax upset sale sold XXXX XXXX XXXX XXXX, Pa XXXX to XXXX XXXX for {$28000.00} subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage with a XXXX % Loan to Value Based of {$100000.00} Fair Market Value from the Realty Transfer Tax Statement of Value. # 10 ) On XXXX XXXX, XXXX a TAX CLAIM DEED was issued to XXXX XXXX for {$28000.00} subject to a PNC Survivable Judgment in the amount of {$43000.00} as the Primary Mortgage. # 11 ) On XXXX XXXX, XXXX XXXX XXXX XXXX received a collection letter from XXXX XXXX XXXX in the amount of {$49000.00} for PNC Account # XXXX, {$5900.00} above the awarded amount of Judgement Granted on XXXX XXXX, XXXX in the amount of {$43000.00}. # 12 ) On XXXX XXXX, XXXX XXXX XXXX XXXX received a collection letter from XXXX XXXX advising me that PNC Bank NA, has decided to not to foreclose on reserves the right to collect the account. ( two years and eight months after awarded a Judgment in XXXX ) and XXXX subsequent sales and title transfers. PNC Bank continues collecting on this account while retaining an Equable Executable Judgment in XXXX in the amount of {$43000.00} issued on XXXX XXXX, XXXX and after a XXXX XXXX, XXXX Sheriff Sale and a XXXX XXXX, XXXX XXXX XXXX PA Tax upset sale. | ||||||
| 05/02/2015 | Yes |
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| PNC recently informed me that they made a " business decision '' to close my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : PNC has determined to close my performance spend and virtual wallet spend accounts through no fault of my own, I am left with serious concerns in that the {$300.00} promotional offer which was offered to me in exchange for opening said accounts and meeting certain conditions will not be honored and I believe that PNC has elected to close my accounts with the specific intention to avoid paying out on the advertised promotional offer. I will add that the subject {$300.00} promotional offer extended to me had several conditions which were required for the account holder to qualify for the promotional payment including : 1. The checking account must be opened at the branch using the appropriate flyer ( attached ) between XX/XX/2015-XX/XX/2015 to qualify for the {$100.00}, {$200.00}, {$300.00} reward. A qualifying direct deposit must be received and 1 payment must be completed via PNC online bill pay within 60 days of account opening. 2.The total amount of all qualifying direct deposits credited to your performance select or the spend account of your virtual wallet with performance select must be at least {$5000.00} to active the {$300.00} promotional payment I fulfilled all of the required obligations outlined above to meet the conditional requirements outlined by PNC under the terms and conditions to qualify for the {$300.00} promotional offer, curiously however PNC only credited my account with {$75.00} which is an amount below even the lowest promotional offer specified on the {$100.00}, {$200.00}, {$300.00} promotion. Upon which time I notified PNC of their error with respect to the promotional payment it was suggested I open an internal dispute which PNC quickly dismissed. After I reopened the internal dispute to collect the remaining {$220.00} in promotional offers which are rightfully owed to me, PNC then informed me that my account was downgraded and in the process of being closed which appears to be an action taken as direct retaliation for my instance that PNC honor the promotional agreement. Denial of full payment on the promotional offer is ill advised, unethical, fraudulent and entirely unacceptable behavior which will not be tolerated. PNC 's actions with respect to the aforementioned account closures & denial of promotional payment constitute fraud in the inducement, fraud in the factum, bait and switch and failure of specific performance related to the terms and conditions of the promotional offer which all parties expressly agreed to be bound by and was the basis for the bargain at the time of account opening. To allow me to complete all of my responsibilities with respect to the promotional offer and then arbitrarily determine to close the accounts to avoid payment is a procedural and substantive unconscionability on PNC 's part. Under common law an offer can not be revoked after it has been accepted. Furthermore in this instance performance remains and consideration exists so PNC has a duty and obligation to pay the full amount of the promotional offer. Moreover PNC 's failure to pay the full promotional offer for which I had fully qualified for and PNC 's refusal to state a valid reason for account closure constitutes bad faith as it would appear that the account was closed solely with the intention of depriving the account holder of the promotional payment. It is undisputed that a valid contract exists and PNC has a good faith obligation to honor the contract and to provide payment in full on the promotional offer. | ||||||
| 05/17/2016 | Yes |
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| This company have no respect for customers, the ill, or the XXXX. On Monday XXXX XXXX, 2016 I went online to open an account with PNC Bank. I paid {$450.00} as a deposit to the account. After i opened the account PNC Bank refused to give me the account number and routing number and made me wait until Tuesday XXXX XXXX, 2016. On Tuesday XXXX XXXX, 2016 i was told by XXXX that my {$450.00} was still not available yet the bank where my debit card came from verified that they had already paid PNC Bank my money. PNC Bank have refused to make my funds available to me even though I told them I had a bill to pay as well as other important things to do. This company have fraudulently stolen my money and refused to give me access, an account number, and a routing number. I kept telling this company that due to me being XXXX I ca n't get to any of their branches which is why I opened the account online to begin with but I will NOT do business with any company the is Deceptive to the customers, Lies, steal from customers, and hold their money hostage. I would n't advise anyone to do business with this crooked bank because they are n't honest people. On Monday XXXX XXXX, 2016 when I called PNC Bank I was on hold for an hour i kept being bounced around from person to person, and by the end of the day I had been on the phone so long I became XXXX After how I was treated I 'll NEVER do business with this company and I would n't recommend them to anyone for business for anything. As of Tuesday XXXX XXXX/XXXX/2016 at XXXX XXXX. I was bounced around more than once, I was left with still no access to my {$450.00}, and I could n't pay bills nor could I take care of other important things I had to and this company did n't give a XXXX XXXX way or the other and within 24 hours they have tried to force me to go to XXXX of their branches when I made it very clear that I 'm XXXX and not able to get to either of their branches which once again why I opened the account online. I have health issues and I was kept on the phone for hours being transferred from this person to that person more than once. When I called in on Tuesday XXXX XXXX, 2016 I was once again put on hold for a very long time, their representatives always claim to be looking for a supervisor, and they do n't care if you 're on hold for an hour, two hours, or how long and it 's ridiculous that anyone have to be on hold for that long of time for anything. I do n't appreciate how I was treated especially as a new customer and it was n't right yet they think I 'll do business here. Each time I 've called PNC Bank all they 've done is transferred me from person to person and did n't resolve a damn thing for me. This company should n't even be in business and now I understand why they have such bad ratings and I wish I would 've went with my first instinct to check this company 's ratings like I would with any company I 've done business with before dealing with them. They have no respect for anyone ill or anyone XXXX, they 're LIARS, they hang up on people, and they all act just plain stupid. On Monday XXXX XXXX, 2016 XXXX XXXX told me that I would have access to my funds on XXXX XXXX, 2016 to be able to still pay my bill yet on XXXX XXXX, 2016 my funds were n't available and everyone at PNC Bank told me they did n't know where my funds were. I spent hours on the phone being bounced around and when I spoke to a XXXX earlier that day she told me as well she did n't know where my funds were and she did n't know when they would be available to me. Now I have {$450.00} that have been stolen by PNC Bank and I would n't dare think about doing business with a crooked company like this. | ||||||
| 01/16/2020 | Yes |
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| This complaint is related to an already existing complaint with the CFPB, XXXX. I will attach that complaint, upon which I now have an addendum. " On XX/XX/XXXX, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/XXXX, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. After several more days delay with no observable action on the account, I phoned PNC on XX/XX/XXXX, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/XXXX and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB. '' Subsequent to the submission of the above complaint, I received a phone call on XX/XX/XXXX, from XXXX XXXX, from PNC 's Executive Offices. She was very helpful, and agreed to liaise with me vis-a-vis the dispute department on this matter. A key point she related to me as we discussed the items that I believed were valid ( vs. invalid ), was that *I would receive a final written itemization in the mail of the claimed items to review and correct* before the claim was finalized. I believe such a practice is also compliant with and required by the Fair Credit Billing Act. Yet as of today, XX/XX/XXXX, I have yet to receive such a written itemization. Further, the Company simply took as final my rough orally expressed indications of what I believed to be fraudulent, and in the process, interpreted my statement incorrectly, or made errors themselves, and the result has been an overall denial of the claim, which includes many patently fraudulent items that I continue to dispute. I must have had at least 8+ phone calls on this matter ( because of the earlier complaint referenced above ) over the course of the last several weeks, and in all cases did not have the card statements available to me as I was being queried and as I was asked to recall dates and events that occurred several months prior. Based on Ms. XXXX 's assurances, it was my sense I would be given an opportunity to review things on paper, as is my right, before formally finalizing the claim. This has been denied to me in the interest of expedience by the Company to close out the claim and move to the next. | ||||||
| 03/26/2016 | Yes |
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| XX/XX/2013 my family home burned down. PNC Mortgage held insurance money totaling the current value of the loan. I informed PNC that I would be rebuilding my home and that I was acting as the general XXXX. I provided the following information to PNC demolition permit, building permit, blue prints, a letter stating my intentions, signed contracts from the XXXX licensed contractors as well as pictures of the house showing completion of the framing and such. I had additional insurance money on top of what PNC was holding. I used this money to get the foundation, framing, windows, rough plumbing as well as the rough mechanicals done. After I exhausted my insurance money I then completed the paperwork for PNC and requested money to keep the build moving foreword. Toward the end of the build PNC contacted me and told me that if I was XXXX % done with the house they wanted to send me the remaining balance in the account and close it. She stated that the invoices i sent up for reimbursement yesterday totaling {$24000.00} dollars was not going to be sent out to me until the inspector came out. I stated that I did not send any invoices up yesterday, I sent them up last month and already received the check. She stated " that damm department ''. she asked me to set a date for the inspector and we agreed to two weeks from that call. When the inspector came out he asked me if this was ( address ) and I said yes. He shook his head and seamed confused. I asked him what was wrong he said I dont know how to do the inspection. I asked why and he replied PNC sent him out here with a XXXX line item repair list and he showed it to me and it was the insurance adjusters repair list from the old house and he did not know how to do it because that house no longer exist. He called his boss and his boss told him he had to do it. I called the bank and PNC said that is how they do it. I replied how can you inspect something that does not exist. The old house is gone and the new one is totally different. He did the best he could and turned the inspection in. PNC notified me that because I was not XXXX % done with the house and that they sent XXXX % of the funds based on the insurance adjusters cost for repairs to the old house they would not be sending me any more money. eventually I would get it a little at a time. However this caused difficulties financially for my family. It caused use to live in temporary housing longer. It caused me to get back to work 6 months latter than planed and we were trying to live and build a house on my wifes pay. The project slowed down and it is still not complete. We are able to live in it. I have several questions was PNC allowed to use the repair list and the repair cost for the old house when it no longer existed and why then did PNC also use the condition of the new house as part of their reasoning for withholding money. It seams to me they should have inspected the new house as a new house. Pnc was well aware that the burned house was torn down and a new one was built. My complaint is that PNC used the repair list for the old house as well as the new house conditions to keep the insurance money as long as they could. key points 1. Why was the PNC representative upset about the other department sending me the {$24000.00}. 2. how could PNC ( or any one ) inspect a house that does not exist. 3. why did they use the repair cost for the old house in determining the XXXX % of the funds they already sent out. when the new house is valued at {$320.00} 4. PNC inspected the house that did not exist then how could PNC use the condition of the new house as part of the inspection. witch is it the old or the new. | ||||||
| 07/11/2016 | Yes |
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| I bought my home in XXXX 2006 through XXXX XXXX for {$590000.00}. I was XXXX at the time with an XXXX. I put no money down and I started with both a XXXX and a XXXX mortgage through XXXX. Shortly after the purchase XXXX sold off the XXXX. I moved my XXXX XXXX into the new home, but it required a lot of money and improvements before the home was able to be licensed by the state. We finally got settled in when the economy took a dive. I refinanced through XXXX to get better interest rates. I lost clients and income due to the increase in unemployment. My XXXX mortgage interest rate was getting ready to jump up with an increase in interest after 5 years. I tried to work with my lender whom was now PNC Mortgage, ( PNC took over XXXX ). I hired XXXX XXXX to help me get my mortgage modified. After several phone calls and a lengthy interview XXXX told me that he only took cases that he was confident qualified for the modification program. I was current with my mortgage until the point of trying to get a modification. If PNC would have offered me a viable modification option, even something close to what I had been paying would have been manageable if it would have been fixed. Unfortunately PNC completely refused. PNC kept telling me that my loan was through an investor, but they would not tell me who the investor was. PNC told me that my investor did not participate in the government programs. After a couple thousand dollars and many months of trying, XXXX finally called me and told me that he was unable to help me obtain a loan modification with PNC Mortgage. So I was on the search again for some assistance with this matter. I worked with XXXX XXXX, and XXXX diligently tried for several more months to negotiate with PNC. Then I hired an attorney from XXXX XXXX XXXX to help me with a mediation. I could not understand why PNC just kept dragging this out for months and then years. Then I realized when we finally made it to mediation, and PNC 's representative asked for a continuance because she was not prepared. I not only had to pay for my attorney I also had to pay for each Mediation and there ended up being XXXX Mediations all because the lender 's representative was not prepared and did not provide the necessary information to my attorney in accordance with the rules. At the XXXX mediation I finally learned whom the investor is and that they do participate in the government programs, but they believe that they do not have to offer what the programs provide for. I was told that I could not qualify for a modification any more because the debt had become so large with all the interest and fees after such a long period of time. AMAZING!!!! Now I see the big picture and why PNC drug this out for sooo sooo long unnecessarily. I also finally was given the name of the investor, XXXX XXXX XXXX XXXX ll XXXX. Very interesting name, I would like to know if they were actually in business when I bought my home. Left with no other options I then tried to short-sale my home. I started this process over a year ago and last summer I had gotten a CASH OFFER for the current appraised value of {$490000.00}. But PNC kept making ridiculous excuses as to why they could not accept the short sale. There is another complaint on file regarding this portion of experience filed by XXXX XXXX proving that PNC was not acting in good faith. It should be blatantly obvious that PNC and their investor have not been acting in GOOD FAITH since the very beginning. After that complaint was filed PNC sent me an approval letter for the SHORT SALE, but they put all kinds of stipulations in it and DENIED ME RELOCATION ASSISTANCE even though I gualify. | ||||||
| 01/27/2023 | Yes |
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| Between XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, I was the victim of bank fraud. Individual ( s ), of an unknown name, obtained my debit card information ( including card number, expiration date, and CVV number ) and made a host of unauthorized, fraudulent transactions that were charged to my checking account in the approximate amount of {$1000.00}. I was alerted to the fraud on XX/XX/XXXX through my financial institution 's electronic fraud notification system. My financial institution is PNC Bank ( " PNC '' ). After becoming aware of the fraud, on XX/XX/XXXX, I contacted PNC and spoke with a fraud representative to dispute the charges and inform PNC that such charges were unauthorized. The date and amount of each posted disputed charge is listed below. XX/XX/XXXX : {$51.00} XX/XX/XXXX : {$21.00} XX/XX/XXXX : {$17.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$170.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$230.00} The obviousness of the fraud was so blatant as some of the above charges were made with vendors I have never purchased from, in rapid succession, out-of-state in areas where I have never been physically present, in areas where I have never used my debit card, and were done at the same time as other authentic charges in a completely different state over 1,000 miles apart. Worse yet, many of the charge were for firearm ammunition, and I DO NOT OWN A GUN. PNC issued me a provisional credit for the amounts identified above while the bank " investigated '' the veracity of the charges. On or around XX/XX/XXXX, PNC informed me, via letter, that it had concluded its " investigation '' into the matter and amazingly deemed the unauthorized charges " to be valid. '' Shortly thereafter, I contacted PNC, again, to dispute the charge and to escalate the matter further. I informed PNC of the obviousness of the fraud to which PNC had no response. PNC was unable to explain how I was physically present in 2 different states, at the same time, nearly 1,000 miles apart. During this conversation, I also demanded copies of the documentation PNC relied upon in its investigation to reach its determination. PNC informed me that I had a " right '' to request this information. However, PNC did not honor this request despite my " right '' to such information. PNC informed me during my call that it would " reevaluate '' its prior decision, and I should expect to receive a written response within 10 business days. On or around XX/XX/XXXX, PNC sent correspondence to me wherein the bank stated, again, that it determined the unauthorized charges to be valid and would not be refunding the fraudulently spent money. PNC 's conduct has been egregious. Not only was the fraud obvious and the amounts should unquestionably be refunded, as required under federal law, but PNC 's bad faith has extended to not honoring depositor requests to obtain information that PNC relied upon during its " investigation, '' which PNC has stated that its depositors have a " right '' to. Based on PNC 's conduct, a conclusion can be drawn that PNC has no intention of refunding the fraudulent transactions, despite the obviousness of the fraud, and is hoping because of the relatively low dollar amount involved that the victim, me, will simply " go away. '' PNC 's conduct not only violates its statutory obligation to refund, in full, the fraudulently spent money from my bank account but also violates a host of other state and federal law, including but not limited to unfair and deceptive trade practices. It is may request for the CFPB to initiate an investigation into PNC 's conduct and practices regarding this matter for compliance with federal law. | ||||||
| 05/24/2021 | Yes |
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Web | Older American |
| On XXXX I MAILED a PNC CHECK to XXXX XXXX GAS Check # XXXX for {$46.00} into a blue mail box and it was stolen out of the mail box and washed and the perpetrator re wrote the check and forged my signature and cashed it at XXXX XXXX XXXX for {$6500.00}. I had mailed several other bills and payments the same day and all were fine. Due to covid I did NOT receive my printed bank statement in the mail and when I finally got it I saw the clearing of the {$6500.00} and CALLED PNC Immediately on XXXX. I NEVER wrote a check for that amount and did not know what happened. I filed a police report and PNC said they would investigate. After several calls ( since banks were closed due to covid ) I was told on XXXX that PNC filed the claim with the WRONG department. I spoke with OMA in RESOLUTIONS at XXXX and she said it should go to " Without entry claims dept " XXXX ... after several days, I called again and they said it was now being sent to the Check Fraud dept at XXXX and XXXX would be handling. On XXXX I received a form from PNC " affidavit of altered check '' I immediately completed and went to XXXX XXXX to have NOTARIZED and mailed at post office in person on XXXX. I spoke to XXXX in " without entry dept and she said to all the XXXX team and leave a message. I did so multiple times and also emailed XXXX to no avail. I also filed complaints with the Internet crimes complaint center, XXXX police, national check fraud center crime complaint form, jot form 10, and contacted channel 3 channel and chanel 10 - all to NO AVAIL because covid shut down our world. The police were getting no where and pnc was giving me the run around. I called PNC again on XXXX NO ENTRY CLAIMS DEPT AND THEY TOLD ME THE case was closed. I asked to speak with a supervisor as I had received no call or mail from them. I was told XXXX and XXXX were out of office and the claim was denied because it was past 30days. I continued to call and leave messages daily for XXXX and never heard a word until finally on XXXX I called the local PNC branch and asked for help and to escalate this - spoke to XXXX at the XXXX XXXX new jersey branch. It was escalated to XXXX XXXX at PNC retail support and she said I had 120days for a check dispute. that was on XXXX I also called an attorney on XXXX and they told me to call XXXX XXXX and ask PNC to get a copy of the video of the man cashing the check and file for punitive damages. I also spoke to XXXX at PNC in XXXX XXXX and she said that XXXX XXXX XXXX owed the money and pnc was trying to collect from them. She refiled my claim AGAIN and told me XXXX should never have negotiated that check. The run around has continued and I am still out {$6500.00} I have contacted the everyone from the XXXX XXXX prosecutors office and spoke to Detective XXXX XXXX - he was going to assist the XXXX police in trying to get them to obtain the copy of the video ... AGAIN - nothing happened. It was COVID ... I mailed a check in a BLUE POST OFFICE box and it was stolen and fraudulently re written. I did NOTHING wrong and am a widow of 65years and can't get anyone to help me. The police say they can't do anything, the bank says I did not report in 30days, so its on me .... how can this happen - who is going to protect the average senior who is being taken advantage of and screwed out of {$6500.00} because the mail was delayed due to covid. PNC and XXXX XXXX XXXX are the ones who should be liable for this fraud. It was not my signature, or hand writing and I DID NOT WRITE THAT CHECK. PLEASE please help me get resolution to this problem. I was to live off that money since my husband died tragically and suddenly without warning. | ||||||
| 10/10/2017 | Yes |
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Web | Servicemember |
| My vehicle was repossessed by PNC Bank in the State of Illinois on or about XX/XX/XXXX. Please take special note that PNC Bank AND XXXX XXXX violated my legal consumer rights on multiple occasions which are detailed below. My rights were violated before, during and after the repossession of the vehicle. My rights were violated prior to the repossession in three forms. First, PNC Bank repeatedly accepted partial and intermittent account payments prior to the repossession, but then stopped accepting those same types of payments immediately prior to the repossession of the vehicle. This is a clear violation of my rights as outlined by the State of Illinois Motor Vehicle Retail Installment Sales Act ( MVRISA ) : 815 ILCS 375/20. Second, I contacted PNC Bank through the customer service phone number and attempted to negotiate new terms of the existing vehicle loan contract. The PNC Bank customer service representative was very clear that PNC Bank would not attempt to re-negotiate my loan terms to refinance. Although PNC Bank was under no obligation to re-negotiate the terms of the loan, the lack of assistance from that point forward was a clear violation of my rights as outlined in the State of Illinois MVRISA. Third, I did not receive a single phone call or message from any recognizable ( defined below ) telephone number, either landline or cellular. During my possession of the vehicle, there were only two recognizable phone numbers that communicated with me, either PNC Bank calling me or I calling PNC Bank. Neither of these two phone numbers communicated with me concerning the repossession of the vehicle. Again, this demonstrates unfair and unethical consumer business practices by PNC Bank, My rights were directly violated by PNC Bank and XXXX XXXX during the repossession ( after the vehicle was removed from my residence ). Within the allotted time, according to the State of Illinois Notice of Redemption, I contacted PNC Bank through telephone customer service and attempted to speak directly to XXXX XXXX. I DID leave a message on XXXX XXXX voicemail box stating that I would like to make a deal to get my vehicle back. My telephone call/message was not returned. Once again, this is a repeated violation of my consumer rights by PNC Bank and XXXX XXXX. Under the laws and statutes of the State of Illinois, a deficiency can not be claimed and a vehicle can not be repossessed unless all of the required notices were delivered accurately, properly and timely, and all of the allowable redemption and cure time limits were adhered to. On multiple occasions, PNC Bank and XXXX XXXX also violated my legal rights under the Servicemembers Civil Relief Act ( SCRA ). PNC Bank and XXXX XXXX did not afford me the proper opportunity to apply my rights under the SCRA. Thus far, I have simply asked PNC Bank to cease all collections, negative credit reporting and remove negative credit reporting activities from all my credit reports related to this account. I have sent a total of three ( 3 ) certified letters attempting to resolve this issue with PNC Bank. PNC Bank refuses to address the points that I have outlined above or any points in my communications. Instead, they have now turned the debt over to a collection agency named XXXX XXXX XXXX. XXXX XXXX XXXX., has since sent me a letter demanding payment in the amount of {$13000.00}. They have clearly stated they are going to seek legal judgement against me if I do not pay the {$13000.00}. PNC Bank and now XXXX XXXX are violating my rights. PNC Bank and XXXX XXXX do NOT even have matching amounts they are demanding for payment. Regardless, the vehicle was repossessed illegally. | ||||||
| 08/01/2019 | Yes |
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| XX/XX/XXXX - I placed ad in XXXX for selling my home items - bed set, mattress, sofa couch, tables and chairs - altogether it was XXXX USD Person introduced with name " XXXX '' he is ready to purchase all home items mentioned in the ad total for XXXX USD - he is moving to XXXX and he want to stock this items with movers company to pick up over the weekend. He informed me that XXXX USD cheque send to my home address, balance of XXXX USD to be given as cash to the mover company who is coming to my house over weekend to pick up the household items. So I believed this was not scam because someone will come to my home with pick up then i need to give for cash ( XXXX XXXX that did not happen else i would have lost all my home items with more money transferred to scam ) he said he is in XXXX business trip and he will not able to come to pick up so he arranged movers company But what happen was day before that weekend he called and said movers company is troubling him to get money transferred to their account because of truck gas, transport charges they do not need cash in hand. they committed to arrive XXXX XXXX on Sunday - he request to do transfer through PNC mobile banking - XXXX XXXX I never used XXXX and asked 1000 times to him that it looks if you lost money and my home items - it is bad for both of us he said those are known movers company - he requested me to transfer XXXX USD which was his balance to his XXXX account email address " XXXX '' I did received scam check on XX/XX/XXXX Tracking number XXXX from USPS - check amount XXXX USD He asked me to do " The check is written in {$1400.00} you would deduct your own and give remaining amount to the movers once they get to your place for pickup you would help me to give the movers {$1100.00} '' - I believed this words 100 % Once the check send to my mail - he called 3 times in XXXX on same day XX/XX/XXXX and explaining about XXXX - he said mover is going out of town and so he said to get money transfer to his XXXX account so he can arrange for pick up soon - I believe this explanation - bad time here - he also asked for XXXX XXXX with below details Name : XXXX XXXX XXXX : XXXX Zip code : XXXX State : New York XXXX XXXX somehow I registered PNC mobile banking with XXXX - he said his friend who moved to XXXX has given the movers details - email address asked to transfer " XXXX '' I did registered for XXXX through PNC mobile banking and did below transaction on XX/XX/XXXX for below transaction in XXXX XX/XX/XXXX - {$1.00} - Transaction sent to XXXX XXXX with Transaction ID XXXXXXXX XX/XX/XXXX - {$990.00} - Transaction sent to XXXX XXXX with Transaction ID XXXXXXXX XX/XX/XXXX - {$150.00} - Transaction sent to XXXX XXXX with Transaction ID XXXX Scam person with below details contacted through XXXX and phone call Name XXXX XXXX XXXX number XXXX ( XXXX ) XXXX - text messages mobile number XXXX XXXX XXXX XXXX - used to receive phone calls Scam cheque send tagged to the below address with bank details as below XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, TX XXXX ; Contact based on my investigation XXXX I went to PNC and complained to high level department but they registered my case with PNC escalation complaint number XXXX XXXX XXXX XXXX PNC did not help in this case Please looking for your suitable guidance and firm punishment for this type of scam person - I have XXXX year old son i'm in need of my money which went as fraud transfer I really need of my money all this happen because of agree for cash in hand then all of sudden he moved to XXXX ( which is mistake i did ) Please read my case and consider my request to help me | ||||||
| 07/02/2018 | Yes |
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| This is FIFTH complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated. Response from the third complaint resulted in a call which I returned and then they once again did not return the call. Now I am receiving notices that they are using money from escrow to cover regular payments, however, the issue has been they say I owe more to cover escrow. My regular payments should not change. In addition per the attached, my homeowners is being paid on my own ... see page 6..ESCROW NO. In addition to me paying my own insurance, taxes dropped. If they would listen and calculate the escrow based on facts that insurance being paid on my own, taxes decreased due to homestead and prove of increased value, PMI should be removed and no escrow should exist. In addition, they state they had to pay for the appraisal, however, the fact is they charge the consumer and I was able to negotiate under the {$500.00} PNC charges. PNC should consider hiring employees with math skills so lets do some math : Mortgage Payment ( Principal and Interest ) : XXXX County Taxes ( XXXX ) : XXXX Insurance ( XXXX ) : XXXX ( Being paid by mortga Mortgage Insurance : XXXX Total Payment : XXXX ( however should be less insurance - XXXX XXXX ) Now they are saying mortgage payment is short and borrowing from escrow, which they claim is short, to apply to what they claim is unpaid mortgage amount??? I am forwarding this issue beyond this agency as they do not seem to resolve this issue and PNC does not communicate. This should have be escalated. Legal involvement is now unavoidable. | ||||||
| 02/26/2016 | Yes |
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| In XXXX, XXXX I obtained a license from the XXXX ( XXXX ), located in XXXX. to travel to XXXX, XXXX for XXXX. I was planning to study in XXXX at a school run by XXXX XXXX XXXX XXXX located in XXXX, XXXX. The license is dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I visited PNC Bank located in XXXX, PA where XXXX XXXX was instructed to process a money-wire transfer to XXXX XXXX XXXX XXXX located in XXXX, XXXX. The school in XXXX was coordinating the educational courses and fees for the studies that would be conducted in XXXX. XXXX XXXX listed the recipients ( XXXX XXXX XXXX ) as XXXX, XXXX. The money wire was to be transferred to XXXX, XXXX and there seems to be some confusion on the part of XXXX XXXX as to where XXXX, XXXX is geographically. I tried to correct XXXX XXXX, but obviously it was never corrected. I corrected XXXX XXXX and told him that the money should be wired to XXXX, that in any case XXXX XXXX was confusing the location geographically. XXXX XXXX submitted the money-wire transfer forms and while I was sitting in his office he received a telephone call from someone who then told him to ask me as to the nature of the money wire. At this juncture XXXX XXXX began to repeat to me questions from the unknown person on the other end of the telephone. I never talked to this person directly nor was I given the persons name or identifying information. I told the person, name unknown, on the other end of the telephone that I had a license to travel to XXXX for educational purposes, but, irrespective of my legal license to travel to XXXX, I was there in the office that day to effectuate a wire transfer to XXXX, XXXX ; and not to " XXXX, XXXX '', as XXXX XXXX had so wrongly indicated on the money-wire form.XXXX then assured me that he had made the necessary corrections changing the form from " XXXX, XXXX '' to " XXXX, XXXX.After the telephone call and at the close of my business with XXXX XXXX, I was given a receipt ( copy enclosed ) showing that the money wire was being sent to XXXX, XXXX. XXXX XXXX XXXX XXXX located in XXXX, XXXX contacted me in XXXX, XXXX and stated that they never received the money wire. During the month of XXXX and XXXX XXXX, I visited PNC Bank at least four times or more inquiring about the money wire that did not arrive in XXXX, XXXX. XXXX XXXX, told me that if I answered additional questions I could get my money back. I again told XXXX XXXX that the money wire was slated for XXXX. I reiterated to XXXX XXXX that I had an XXXX license. On XXXX XXXX, XXXX I received a telephone call from XXXX XXXX. XXXX XXXX telephoned me to give me an XXXX number for XXXX. XXXX XXXX advised me to call this XXXX number and tell them about " my situation. '' I repeatedly asked XXXX XXXX '' what is my situation. '' What do I say to XXXX? After repeatedly requesting the e-mail for the CEO of PNC Bank XXXX XXXX had her supervisor, XXXX XXXX to contact me. I again explained the case to XXXX XXXX and he told me that as soon as XXXX was mentioned, PNC Bank, had the right to withhold the funds. I reemphasized my license issued by XXXX. XXXX XXXX said that the employees at that level of PNC Bank would not have knowledge of the license requirement. I have enclosed the e-mails from PNC Bank. It was not until XXXX XXXX, XXXX that I received the information from a senior vice- president to contact XXXX and download the document for the release of blocked funds.My savings account was blocked on or around XXXX XXXX, XXXX therefore the Social Security Administration ( SSA ) could not deposit my social security check due XXXX XXXX. XXXX. I have asked repeatedly of six personnel at PNC Bank to unblock my acct. | ||||||
| 08/28/2018 | Yes |
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| I closed on the sale of my home on XX/XX/2018. The home was originally financed through a conventional mortgage with XXXX XXXX. For the following 2 months I made my mortgage payments, paid in full and on time to XXXX XXXX as agreed. During this time I was not informed, never received any type of documentation or confirmation, letters Etc that my loan was in the process of being sold. Apparently, in XXXX of 2018, the transfer process from XXXX XXXX to PNC Mortgage was made without my knowledge. My loan had been sold to PNC Mortgage and both companies neglected to inform me, send notification or to confirm that I was aware of this change. it wasn't until I received a notice in the mail from PNC Mortgage collections, with a notice of early foreclosure that my mortgage had been transferred to this company. Again, I had no knowledge that my mortgage has been sold, transferred, or that I should stop making my payments to XXXX XXXX. I called PNC Mortgage immediately and inform them that I was never made aware of this change, that I had been making my payments and they were made to XXXX XXXX, written from checks directly from my bank. There is proof of this on my account. They informed me that the mail that they had been sending had been returned, for whatever reason, but I never received it. They were aware that I never received it. They were also aware that I had been mailing payments to XXXX XXXX. XXXX XXXX had been forwarding the checks to PNC Mortgage, assuming that they could process the payment. I was informed by PNC Mortgage that they could not process the checks due to the fact that they were made out to XXXX XXXX. They have been harassing me since this date, constantly sending letters and calling threatening foreclosure and collection when this entire time I have been making my payments and I was never informed that my mortgage has been sold. This harassment has continued and I've told them to stop. They refuse to stop harassing me and have violated federal law given the fact that they begin sending foreclosure and collection letters before I even became aware of the transfer of my mortgage. I cancelled the payments made to XXXX XXXX that could not be processed and once the funds were returned to my bank account I immediately paid PNC Mortgage. At this time my account is paid and is up-to-date, yet I still and receiving threatening, harassing letters of collection and foreclosure. They have no lawful reason to contact me or to put my credit in jeopardy or my home. I am current on my payments, I have never been late on a payment for anything in my adult life and these people have threatened and harassed me when they never even informed me that my mortgage has been sold to them. This is a corrupt company and what they are doing is highly illegal. I will be filing a complaint here, I have contacted HUD for assistance and I will be contacting the Attorney General 's office as well. I have told PNC Bank to stop harassing me, to stop calling, sending letters of collection due to the fact that my account was current and paid. They have no legal right to threaten me. there are also issues with privacy and the information that PNC Bank has obtained on me. I never applied for a loan with PNC Bank, I never gave them my personal information and I never consented for them to have my personal information. They have phone numbers for me from the last 15 years that we're never public record. This is an absolute violation of my privacy and I believe that this is something that needs to be investigated as well. They have immoral, unethical and illegal business practices. PNC Mortgage is breaking the law | ||||||
| 06/06/2022 | Yes |
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| I have my auto loan with PNC Bank. I make a monthly payment of {$290.00} to PNC Bank from my external checking account with a different bank. I pay online through PNC Bank portal. On Friday, XX/XX/XXXX I authorized ONE payment of {$290.00}. On Monday XX/XX/XXXX I realized my payment had not processed with my external bank. I went to PNC Bank online portal to see why. Online was reflecting that TWO separate payments of {$290.00} were showing the status of completed ; which disables my ability to cancel the payment myself. I called PNC Bank on Monday XX/XX/XXXX at XXXX XXXX to see what was going on. I spoke with a representative named XXXX. After going through the verification process she explained to me that PNC Bank has had major issues with their online payments since XXXX. She explained that the system glitched causing an additional payment of {$290.00} to be processed to be withdrawn from my external bank account. She told me that both payments have not processed through PNC Banks system yet so she could not cancel or stop them from being processed. XXXX told me the payments would be processed in PNCs system Tuesday, XX/XX/XXXX at XXXX XXXX XXXX She advised I call my external bank and see if they could help, because their was nothing she could do. I called my external bank and they said they Dont see the charges as pending so they are unable to cancel the unauthorized second payment. I called PNC Bank back on XX/XX/XXXX at XXXX XXXX, and spoke with a supervisor named XXXX XXXX She told me that it was impossible to cancel, flag, or stop the unauthorized payment even though it was PNC Banks mistake. I would have to wait until the payments are processed Tuesday XX/XX/XXXX after XXXX XXXX XXXX and have my external bank dispute the charge, then wait 5-10 business days to get refunded. So a total amount of {$580.00} was going to be withdrawn from my account, and although I did not give authorization for the second payment of {$290.00} to be withdrawn, there is nothing any PNC Bank employee can do to correct their system glitch. I requested the total payoff amount of the loan, and told XXXX that I would rather refinance my auto loan elsewhere before I put another ounce of effort into fighting with PNC Bank to correct their mistake. It is absolutely ridiculous that PNC Bank is able to still process a payment that I did not authorize ; and refused to correct a mistake THEY made. I called in plenty of time for this issue they caused to be resolved. The unprofessionalism, and ongoing problems Ive had to experience for the entire duration of my loan is appalling. PNC Bank representatives are not properly trained, and say Im sorry for your inconvenience, but I can escalate your call, and a representative will contact you back in 24-48 hours! But no one ever calls you back. I should not have to pay, and do the leg work for a payment that I did not authorize to begin with. I have never dealt with a more horrible company as an entirety as PNC Bank. My account is current and has been in good withstanding for the entire duration of the loan beginning in XXXX. I will be taking my business elsewhere, because any entity that thinks its ok to withdraw any payment without authorization, and then refuse to correct their mistake will not continue to get my hard earned money. PNC Bank does not care about the customer whatsoever, or what the repercussions of THEIR mistakes has on their customers. PNC Banks lack of accountability and refusal to even attempt to correct any mistake they made is nonexistent as an entirety. Anyone even considering PNC Bank as an option for any banking needs should GO ELSEWHERE! | ||||||
| 04/27/2019 | Yes |
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| On XX/XX/XXXX, I went to my local PNC Bank branch to make a withdrawal and was asked to do the transaction in an office. During that visit, the person who assisted must have looked at my information on-line and noticed that the credit card I have with PNC Bank did not have certain benefits that another card had, so he asked me if I wanted to get the card with the better benefits. I said I was trying to not use my card because I had a very high balance on the card, and in fact I have not been using that card for purchases for some time. Nevertheless, I said sure. He then asked me only 3 questions -- when did I purchase my home ( I answered XX/XX/XXXX), how much was I paying monthly on the mortgage I had on the home ( A PNC Bank open ended mortgage that I pay roughly {$390.00} per month, information he could readily see in my records ), and how much did I make annually roughly ( {$60000.00} ). I then asked him was this an application? He said yes, and I said I di n't want to be denied. He asked me if I knew what my credit score was, and I said no I did not. I said I thought this was an upgrade of the existing card, he said no it was an application. I said fine go ahead. The card was not approved at that visit. HOWEVER, I received a phone message to call PNC Bank PLUS an email to contact PNC Bank -- both on XX/XX/XXXX. The email, received by me at XXXX XXXX my time ( XXXX, PA ), which I have, expressly states -- " To assist us in completing your application, please contact us as soon as possible. '' This therefore told me my application was not complete. I called PNC Bank that afternoon and EXPRESSLY told the person who answered that I WAS WITHDRAWING the application for the card -- that I never wanted the card, and would not answer any other questions. The person on the phone lied to me and told me that the application was being denied and that the purpose of PNC Bank calling me was to get more information from me about the denial. That was a ridiculous explanation and contradicted the express email that said PNC Bank needed additional information from " in completing the application. '' I reiterated that I was WITHDRAWING the application and that if PNC Bank denied the application I would lodge a complaint with the CFPB, and further that I was in fact making a complaint about the way I was being treated. I then received a phone message, on XX/XX/XXXX, from XXXX XXXX, PNC Bank Executive Client Relations, who was calling me about my complaint. I returned that call that day. She did not call me back until I believe it was XX/XX/XXXX. I reiterated to her everything written above, and reiterated that I considered my application withdrawn and that if PNC Bank denied my application I would file a complaint with the CFPB. She said she would look at the matter further and get back to me. To date she has not done so. Since then, I received a letter dated XX/XX/XXXX, from PNC Bank stating that " [ w ] e regret that we can not approve your request at this time '' -- referring to my " recent application for the PNC Cash Rewards Visa credit card. As grounds for the denial, the letter states " 1. Payment obligations too high in relation to income. '' This letter contradicts my express statement that I WITHDREW the application on XX/XX/XXXX, right after receiving PNC Bank 's email stating that PNC Bank needed assistance in " completing [ my ] application. '' Because the application was not complete, and therefore it was not denied on XX/XX/XXXX, I WITHDREW it on that date, and PNC Bank therefore wrongfully denied an application that didn't exist on XX/XX/XXXX, to my harm and detriment. | ||||||
| 11/13/2021 | Yes |
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| I was a costumer of BBVA bank, I was sent a letter notifying me that BBVA was now going to be PNC, I received the letter in XXXX and that the final take over would take place on XX/XX/21. BBVA will be closed from the XX/XX/21 at XXXX, XXXX until XX/XX/21 I would not have access to my account until the XXXX. I went threw my XXXX XXXX XXXX XXXX XXXX XXXX to pay my payment of {$640.00}. I made that payment XX/XX/21 since I could not use my bill pay at the bank. As of XX/XX/21 I had {$1700.00} in my account, I had an appointment with XXXX XXXX to fix an existing error by PNC wrong name on my debt card, but while there asked to see what was going on in my checking account, that is when I found out that my checking account was - {$50.00}, when XXXX printed out my account balance is when we found that 2 payments were made to Idaho XXXX XXXX by me threw XXXX. web site the other was done by PNC the one by PNC was done unauthorized, the manager of the bank asked if I had my house payment on Auto pay I said no NEVER EVER, yes at times I will use my BBVA bill pay when I cant get threw XXXX XXXX XXXX XXXX I was told to call my mortgage co to see if they would reverse the charges, which I did, I was told ( do not know the name of person I talked too ). was told it would be faster if the bank put in a dispute. I did on XX/XX/21 reference # XXXX, I was told the money should be back in my account within a XXXX days. ( good as I do have auto bill pay for my health insurance car insurance and my XXXX XXXX XXXX bills that are coming due and with the what the bank did I have no money to pay those bills ), I went back to the bank again as no money was in my account and this was the beginning of the snowball effect, And that is when my account started to go in the negative. I do have over draft protection so they used that, the amount used from my overdraft was {$420.00} which now I am told they will automatically withdraw from my checking account and if not paid in full they will add 21 % intreast on that, *note they automatically took their {$10.00} from my account on XX/XX/21 I went back on XX/XX/21 as still no money was in my account, I was told then it would be on the XXXX and yet again Nope, Now I was told that I had to call the Dispute dept. was told then that it was denied, they refiled a dispute on refer # XXXX I then put a formal complaint /with the bank was told that XXXX XXXX would be handling my complaint I /called and and emailed her XX/XX/21 and another 3 -4 times and not one time did she return my call or email, I called on again on the XX/XX/21 I talked to another person in her dept was informed that XXXX would call me by the end of the day or email me they would file another dispute but I should just leave it as is cause as now my XXXX house payment is made and at least that wont be late as it was due on XX/XX/XXXX even if they got it back now my payment to them would be late and not one time have I ever been late, but her advice is just pay the overdraft fees with the 21 % intrest fees, This has gone on for 4 weeks now and they have not done anything to make this right but tell me to just pay their fees that they caused. So no I don't think I should be the one paying for their mistake not only did they XXXX up my checking account but made my credit card payments late, so I had late fees there, the extra money that I had in my account before they paid a XXXX mortgage payment was to go to get car repairs done on my car. I am not well to do I struggle every day to pay my bills and just stay afloat. I have asked that PNC make it right fix their mistake. What they are doing is wrong. | ||||||
| 04/27/2018 | Yes |
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| Hello, I started an auto loan with PNC bank on XX/XX/XXXX. Upon my first call to PNC Bank only weeks later I was appalled by how long I had to wait on hold and with the customer service I received. Right then decided to pay off my car to avoid making further payments and having to deal with their incompetent customer service. I sent my payoff check to PNC Bank on XX/XX/XXXX and only weeks ago, on XX/XX/XXXX was I informed that they had " found '' my check in their post room. I have all of the names written down for every single person I spoke to from XX/XX/XXXX-XX/XX/XXXX and no one made an effort to help me with this very serious problem. Quite on the contrary, the customer service representatives were annoyed with me calling and said that the check would " most likely be found sooner or later. '' Meanwhile, I was watching late payment fees and interest pile up for my loan. These fees and interest have not been refunded to me. I was sent to their " escalations department '' where my issue was not " escalated '' to the least bit. During the time they were " looking for my check, '' XXXX, the agent I was dealing with in the escalations department, told me to " be patient and call back later. '' Coincidentally, XXXX was in " training '' during the two or three weeks when I needed her help most. Her voicemail said she would have " limited access to her e-mail and phone. '' Please take into consideration that at this point I was not as much worried about the late payments or interest accruing as much as I was about my credit being affected! On XX/XX/XXXX ( one day before the " lost '' check would begin affecting my credit ), I decided to make a minimum payment so that my credit would not be affected due to the fact that PNC was still searching for a check that XXXX had noted was " never received. '' This statement in her notes was extremely false as I have Proof of Payment from my bank who sent the check with a tracking note that put the payoff check in XXXX on XX/XX/XXXX. This information alone shows that my check could have been found, but out of pure disrespect and inconsideration no initiative was taken to find my check in a quick fashion. Instead, they took their time and allowed my late payments and interest to go up before finding the check. If I had not made a minimum payment this would have indeed affected my credit. On XX/XX/XXXX I went into a local PNC branch to voice my situation and the financial consultant, XXXX, told me that he would give me the number for the escalations department. I explained that I have already been in contact with multiple individuals in the escalations department, none of which have helped me in any way. XXXX gave me his card and said that I should expect to hear from him about this issue in the next couple of days. I never heard back from XXXX even after I e-mailed him and left him messages at the branch. Today my loan is paid off, but I have waited to submit this complaint due to the fact that PNC had " never received '' the title for my car. They were not able to provide me any information about how to get my title back and suggested that I go to the DMV in Florida to take care of the issue. Mind you at this point they were more than aware that I had recently moved to XXXX XXXX, South Carolina. To this day, I still do not have the title to my car in hand which is beginning to affect me being able to drive. PNC has never attempted to contact me with an apology or refund of interest or late payments. When asking them to compensate me for my frustration and time the answer that I received was " XXXX XXXX, PNC does not do that. '' | ||||||
| 10/17/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX PNC Bank XXXX XXXX XXXX XXXX, Ohio XXXX Re : PNC XXXX XXXX XXXX XXXX XXXX Credit Card XXXX for XXXX XXXX XXXX XXXX - Loan Reference Number : XXXX To the Underwriting Team at PNC Bank, I am writing to address the recent denial of my PNC XXXX XXXX XXXX XXXX XXXX Credit Card application for XXXX XXXX XXXX XXXX, which was assigned the loan reference number XXXX. The denial letter stated that my application was declined based on specific factors, including : 1. Serious delinquency 2. Length of time accounts have been established 3. Time since delinquency is too recent or unknown 4. Number of accounts with delinquency I appreciate PNC Bank 's commitment to responsible lending practices and the importance of complying with relevant credit regulations, including those outlined in Title 15, Section 1611 of the United States Code. Furthermore, I am concerned about potential faults and misleading information in the consumer transaction, which may have affected this decision. In addition to the regulations already mentioned, I would like to bring to your attention the following laws, which are also applicable to credit decisions and consumer protections : **Fair Credit Reporting Act ( FCRA ) : ** The FCRA is a federal law that governs the collection, dissemination, and use of consumer information, including credit reports. I request that PNC Bank ensure full compliance with the FCRA throughout the evaluation process of my credit card application. This includes providing me with any and all information used to assess my creditworthiness and the source of such information. **Equal Credit Opportunity Act ( ECOA ) : ** The ECOA prohibits creditors from discriminating against credit applicants based on factors such as race, color, religion, national origin, XXXX, marital status, age, or because an applicant receives public assistance. I trust that my application was treated without discrimination and in accordance with the ECOA. To ensure full transparency, I kindly request a review to verify that the credit decision adhered to the ECOA 's non-discrimination provisions. Specifically, I would like to understand : 1. How the serious delinquency is defined, and the specific accounts that fall under this category? 2. The criteria used to evaluate the length of time accounts have been established and how this impacted the credit card application. 3. The methodology used to measure the time since delinquency and how it contributed to the denial. 4. Insights into how the number of accounts with delinquency was determined. Moreover, I request a copy of the consumer report or credit report from XXXX that was utilized to assess my application, to ensure the accuracy and completeness of the information used. I understand that the denial letter stated that the consumer reporting agency did not make the decision and is unable to provide specific reasons for this action. Nonetheless, these legal references underscore the importance of a thorough and accurate review of the transaction to protect consumer rights and ensure fair treatment. Please ensure that this letter reaches the underwriting team at PNC Bank responsible for evaluating my credit card application for XXXX XXXX XXXX XXXX. You may reach me at XXXX to facilitate this process or if any additional information is needed. I am committed to resolving any issues and, if possible, reapplying for the credit card that my business requires. I look forward to a prompt response from the underwriting team at PNC Bank. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 10/19/2015 | Yes |
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| i received XXXX equity lines of credit through XXXX XXXX bank on property they held the mortgages on in XXXX of XXXX. That bank was bought up a couple of times and the loans ended up with PNC. In XXXX or XXXX of XXXX PNC stated my loan would be due in full in XXXX of XXXX and i was more then welcome to try and apply for a loan through them or another institution. I did the process through them and the new loan amount was to be over {$800.00} a month on the first loan and unless i accepted it they would not tell me the amount the payment would be on the second loan and they had to be paid off in about 3 or 4 yrs my payment had been {$200.00} a month on each since i gotten the loans. I told them this was unacceptable and they told me to bad, between my XXXX and my wife salary we could afford it. I told them no i would not do this loan at that amount. They told me i had until XXXX of XXXX to start the loan again before it came due. I tried getting these loans done at other banks but no one would help me. Desperate i went back to PNC in XXXX XXXX and started the loan process all over again. All the paperwork work was submitted and the first loan was completed before the XXXX XXXX due date. For some reason PNC was having trouble with the second loan and kept asking for more paperwork which i was emailing as it was requested. My loan officer was dealing with me on the phone or through emails and except for the initial paperwork package which was mailed in and was exceptionable to them. The loan went past the XXXX deadline and i received a pay in full bill from them. I getting worried i called my loan officer who is supposed to call back within 48 hours and never did any of the times. I left a message about the bill and what do we do now. When he finally got back to me he said not to worry just keep making my normal payment because the loan was approved but there was a problem getting the paperwork out to me. ( these are all recorded phone calls ) He called me back and said they were missing some other paperwork and needed it asap. I emailed it that day or the next. Keep in mind i was always calling or emailing him asking how the loans were going or if there were any problems. Finally on XXXX XXXX, XXXX i got my loan package for the last equity loan. We got it signed and notarized and sent back the same day we got the package. In the meantime i keep getting statements saying the loan was due in full and i kept making the {$200.00} a month i had always made because every time i called my loan officer he said ( i quote i keep telling you it takes time for the statements to catch up to the paperwork keep making your normal payment until you get the statement with the right amount and them pay the new loan amount. The bottom line is the statements are now coming in at the right amount but PNC put on my credit report that i was late on my payments when the loan was due in full and then was also charging me late penalties and saying i was late on them. I tried to get PNC to fix my credit because we do n't feel its our fault it took so long for the second loan to go through especially since, the other loan made it on time but they said we had plenty of time to do this loan and it was our fault. They have put us over 90 days past due on the payments and this put a big hit on our credit score. I hope you people can do some good. i have enclosed statements and correspondence from the bank confirming the dates when we were doing the loans. Unfortunately i have had a lot of stress dealing with this bank and i have heard of many others with the same problems i hope you can get this resolved | ||||||
| 05/26/2020 | Yes |
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| The loan servicer/lender has failed to operate under good faith and fair dealing and that it has unclean hands because it has not made a reasonable effort to abide by the U.S. Department of Veterans Affairs ( VA ) Regulations, Statute, and Guidelines. VA Mortgagees are legally obligated to offer and/or grant VAs recommended loss-mitigation to veteran borrowers prior to initiating foreclosure proceedings. Servicers/lenders have a responsibility to both the Veteran and the VA. Specifically, VA requires servicers to : act in the best interest of Veterans and the Government, service VA loans to the highest standard, respond timely to Veteran and VA requests, pursue collection and loss mitigation efforts with a focus on home retention, provide timely and accurate data to VA and the Veteran, comply with all applicable laws, regulations, manuals, and formal guidance. The servicer/lender in this case has been in complete disregard of the VA Regulations, Statute and Guidelines. The promissory note and mortgage attached to the foreclosure complaint provide that the loan at issue is guaranteed and insured by the VA. The note and mortgage specifically provide that any of their provisions that are inconsistent with the VA statute or regulations are amended and supplemented to conform thereto. These documents specifically incorporate into their terms certain federal regulations issued under the VA guaranteed Loan Authority ( Title 38, Chapter 37, United States Code ) that govern the rights, duties, and liabilities of the parties to the loan. Title 38, Section 36.4350, Code of Federal Regulations, titled Servicing procedure for holders, requires that the holder of a loan guaranteed or insured by the VA must develop and maintain a loan servicing program and specifically sets forth certain minimum actions that a holder must include in its collection procedures against borrowers in various stages of delinquency. The foreclosure complaint established that we defaulted on the note and mortgage by failing to pay the monthly installment payment due on XX/XX/2011. Based on the age of the loan, 38 C.F.R. 36.4350 ( g ) ( 1 ) ( iv ) required that a letter be sent by, or on behalf of, the servicer within 82 days after this payment was due. This regulation also required that the letter contain certain mandatory language that, among other things, warns the veteran about the possibility of losing the entitlement to a future VA loan guaranty and gives direction as to how to obtain assistance and information directly from the VA to discuss options to reinstate the loan. See C.F.R. 3650 ( g ) ( 1 ) ( iv ) ( B ). The servicer/lender/holder failed to comply with statutory conditions precedent of 38 C.F.R. 36.4350 by failing to provide a timely and proper notice and an opportunity to cure the default. VA encourages servicers/lenders to consider loss mitigation options that allow the Veteran to retain their home. The servicer/lender failed to approach me on all home retention options and more specifically on a loan modification. VA requires Servicers/lenders to review the modification option that is most appropriate for the borrowers circumstances. In my case, the servicer/lender neglected to inquire about my circumstances and neglected to review the modification options to determine the one that was most appropriate to my situation. Servicers/lenders are encouraged to continue solicitation of a modification throughout the borrowers delinquency and the foreclosure process. But, in my case the servicer/lender again neglected to continue the solicitation and to give me the opportunity of a modification. | ||||||
| 09/13/2019 | Yes |
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| Since opening my loan with PNC Bank they have failed to correct an underwriting issue regarding my auto loan. For over a year and a half I have been denied access to online banking, requested said access due to an admitted underwriting error from PNC at the time the loan was created. I have tried to resolve this dozens of times, since the first payment due for the auto loan over a year and a half ago. Dozens of calls, visits to the branches, and each time it was not resolved and/or followed up. I am not able to make any payment unless PNC calls me directly, past the due date of the loan. I can not go into a branch, call in, or go online because of the underwriting error. Each month to lead borrower and co-borrower information are either mixed, out of organization, or incorrect. This leads to an impact on each borrower 's credit, including a direct impact across the entire credit portfolio for incorrect debt-to-income information. Furthermore, the flip flopping of information prevents either person from being able to make a payment via phone, online, or in branch. This compromises credit standing, and account standing incredibly. On XX/XX/XXXX at XXXX EST, I called in to PNC Customer Service XXXX place my payment. I was told that sensitive information such as my social security number, date of birth, and linked bank account were not matching records. I spoke to a " XXXX - XXXX XXXX XXXX '', who consistently brushed off my complaint about the handling of my account, and PNC ignoring my request for their underwriting error to be fixed. XXXX continued to request personal information from my co-borrower, which had never been needed making any prior payment. I consistently told XXXX my issue, she told me she wouldn't be able to help without the information. I asked several times to speak to a supervisor, she refused. I asked to be transferred to someone other than her, she ignored me several times before abruptly and rudely placing me on an endless hold. PNC has compromised my, and my co-borrowers sensitive information. Furthermore, their continued mishandling of not only my account/loan, and refusal to properly address it has compromised my financial budgeting and puts my, and my co-borrower 's credit standing at risk, at no fault of our own. As i already had an account with PNC bank, the auto loan was sold to me as an " easy '' venture and I chose and trusted PNC with this because of our already-standing relationship. They have been misleading, deceptive, and outwardly rude in handling my matter, showing no effort or interest into fixing my issue. My issues go beyond customer service, they go beyond compromising credit scores and account standings, they go beyond protecting sensitive information. I called back in to PNC around XXXX EST and spoke to a supervisor by the name of XXXX XXXX . She was able to access my account via my Auto Loan number and saw the error of information, such as social security numbers, being mixed up. She admitted that this was " ridiculous '' and " unacceptable '' and understood how this could impact our credit. She also told me that I had been assessed a {$25.00} late fee each month of my loan, which was never told to me before. XXXX escalated me to their Executive Client Relations and filled it with their legal team as well ( Ref : XXXX ). XXXX closed by admitting that the error made it impossible for anyone to make a payment on time, saying she would be furious as well. PNC has flagrantly violated my credit and account, assessed late fees that were not communicated or warranted, and did irreparable damage to the borrowers | ||||||
| 12/18/2017 | Yes |
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| On XXXX XXXX, XXXX around midday, I went to PNC Bank at XXXX XXXX XXXX, XXXX XXXX, N.Y. to obtain a cashier 's check for {$3800.00}. I presented my driver 's license and my PNC debit card as proof of identification. Although the funds were available in my account, the teller said she could not issue the check. She did n't give me a reason. I then asked to speak to a XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) came over. She inquired if I knew the person to whom I was sending the check. I said yes. It is a transaction I have been doing monthly for more than XXXX years at PNC for the same amount to the same person. I have explained to PNC on many occasions the reason for the check and who this person is. Since it is well documented in my transaction history, i should n't have to explain every time. XXXX XXXX then told me that there was a lot of fraud that branch and that was the issue with processing my transaction. I said are you accusing me of fraud. You have a photo drivers license and my debit card and you can see in my history that I have done the transaction monthly for XXXX years to the same person.I said the money is available in my account. XXXX XXXX refused to approve the transaction. She said I could only use the money to pay bills but I could n't get the check.This did n't seem appropriate. How can my bank tell me what I can or can not do with money that is available in my account. In other words, I could process online transactions or I withdraw it at an ATM machine.Unfortunately my daily ATM limit is less that the amount I needed for the check. I filed a complaint with PNC the same day. I received a call back from customer representative XXXX XXXX on XXXX XXXX a few days later and repeated the information to her. On XXXX XXXX, XXXX XXXX called to inform me that she spoke to XXXX XXXX, the teller and the branch XXXX and the reason the reason they could n't do the transaction was because of concerns about fraud ( even though I presented XXXX forms of ID ) and because the bank officials did n't know me ( since when do I have to be personally known by officials at a national bank with thousands of branches to complete a transaction ) and because I raised my voice ( that is untrue ; I demanded a reason for them refusing my transaction and threatened to file a complaint, which is my right ). And even if I raised my voice is that a reason. I spoke professionally through a bulletproof partition to the bank officials with a tone that was loud enough for them to hear me. I might have been frustrated and demanding, but loud I was n't. So, it seems like they could n't concoct a good enough lie for why they denied my transaction. They definitely did n't have a legal reason under banking regulations and, I am sure, under PNC policy for denying me access to my funds. Now they are making false accusations about me for their unexplainable action. Simply being concerned about fraud or because of other fraudulent transactions that had nothing to do with me or my account should n't be a reason as long as i present proper identification and the money is available. I was able to do the same transaction a few days later at another PNC branch without a problem and similar transactions previously at other branches without a problem. Since when do I have to be personally known to a teller and a XXXX to access my money. If that 's the case, PNC would be the most inconvenient bank despite its many locations around the country because it would n't be practical for me to go to the branch nearest to me any given time to conduct business for i would be unknown in many cases. | ||||||
| 07/12/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, I received a call from XXXX XXXX and XXXX XXXX PNC, of XXXX XXXX ( XXXX ) XXXX, asking to verify transactions and personal information due to fraud alerts, at the time I was traveling and on another call so I answered and proceeding since they identified themselves as PNC. Shortly after my U.S. Treasury check from the VA was stolen after several fraudulent transactions. The hackers changed my personal information via online banking. New acct numbers were issued on the XX/XX/2022 and I was told it would around the XXXX before I could recover the other half of my check. After the old bank card was closed, the bank allowed my account to overdraft past a current XXXX balance of {$1300.00}. It is past the disputed 10 day window of the XXXX or XXXX of when I was told I was have my remaining XXXX that was on hold. My payroll deposit was {$3200.00} on the XXXX, they were able to reverse XXXX, I only made XXXXwo of the transactions of about XXXX in total, I am yet missing the XXXX which includes my rent and other bills. I am making this complaint because I believe it to be insider fraud for the perpetrators to have had access to my bank card and pin code while it was in my possession. Even after the old accounts were closed the pending fraud charges were allowed to post. If I had overdrafted my own account I would not have been able to process {$4000.00} from a closed account with a XXXX balance once fraud was reported. The Account Takeover Team were extremely rude and non cooperative through this ordeal. They refused to allow my calls to forward to supervisors and one female agent snapped at me that they are the supervisors so there isn't anyone they can forward me to. I went into a PNC branch in ILLINOIS today where I was informed that several other PNC customers ' accounts were also hacked around the same time and each in excess of several thousands of dollars. It is very irresponsible of PNC to not do a better job of due diligence and providing better protection of their customers. I filed a Police Report with the XXXX, IL pd regarding this issue but am at a lost for thousands and the inconvenience of not being able to pay my creditors has cost me more than what was stolen to the point I wish my treasury checks could come via mail because at least I'd have adequate protection with check in hand rather a bank I can not trust to conduct business with. The trust has been broken and I don't think it can be repaired. I hope no other consumer has to suffer such devastation that could all be avoided. To think that PNC sends alerts to your email accounts displaying your balance, deposits, etc. Even if my email was hacked they should not have been able to see banking business to tempt them into hacking the banking network. This came after travel home to Alabama for a funeral in which I passed through Florida on the way bk, but for the week of my stay I did not use my bank card which was on me the duration of vacation. There were somewhere between 15-20 charges that were not mine. As soon as the ATO team saw my card that was in my pocket was being burned up they could've have frozen my acct plenty of time in between this. I'm holding PNC Bank responsible along with the hackers who have no moral code. If anything I was under the assumption that FDIC provide some protections that allow for the bank to disperse refunds when a customer experience a loss to prevent their lives being put on hold along with the bank account! I would expect the U.S. govt to take this just as serious as someone reaching into my mail box to retrieve my treasury check from the IRS. | ||||||
| 11/01/2016 | Yes |
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| I am a customer of PNC Bank at XXXX XXXX , XXXX XXXX XXXX XX/XX/XXXX, on the phone I paid the XXXX bill by giving the routing and bank account numbers of my account XXXX XXXX bank, each time this numbers ( checking account and routing numbers ) were repeated by me and the employee Later PNC called to say those numbers were not correct, so I gave them the numbers a second time. They called again saying the check was reversed I asked why they repeated that the info was wrong I asked why is it wrong I gave you the right info so again I repeated the same info numbers for the third time. When the payment was successfully made they then closed my PNC Credit card account without telling me they would do that and without giving me a reason. As a result, my credit rating was damaged. I complained to the bank and PNC employee XXXX XXXX, & XXXX XXXX both said they would listen to the recordings of my 3 attempts to pay and get back to me but none have done that not done so yet when I CALL I GET AN ANSWEING MACHINE The miscommunication of the numbers of my account was due to an error of the bank employee 's, INCOMPETANT EMPLOYEES not me if it had been my error the last employee who was able to get the information correct did and I was charged and paid in full on closing the credit card your bank is RUINING my credit I never at any point refused to pay I have contacted your bank executive customer relations each time I do am told they are waiting for the recordings I have no reason to lie as to what transpired as far as am concerned the first time i gave my routing number and checking account number that bill was paid am not responsible for your untrained employees not XXXX but XXXX of them who talked to me eventually your Bank took the money then closed the account It was paid in full as soon as I saw this I contacted your executive branch I have spoken to XXXX XXXX, XXXX ( she supposedly still waiting for the recordings, XXXX XXXX XXXX ( she never answers her phone ) I also go an email from XXXX XXXX after I filed with the XXXX of XXXX advising me that she would be looking into the matter she never did she told me over the phone that she is listening to the recordings eventually I called her she told me that she was still waiting for recordings I asked if I could listen to those recording she told me only if I have a court order why is it two sided the say the calls are recorded all I want for PNC bank to do is to stop reporting on my credit report as Late and that I owe {$60.00} that was the alter fees they claimed I had each time I called those fees were removed since the employees said it was their mistake it is their employees fault and am paid in full I reported the matter to XXXX and here is what from PNC I received and very heard from XXXX XXXX again, I received a message from XXXX XXXX XXXX saying the case has been resolved NO it has not XXXX, XXXX XXXXXXXXXXXX XXXX XXXX ( 13 days ago ) to me XXXX XXXX Reference Number XXXX At PNC, we believe feedback from our customers helps us provide better service in the future. That 's why we want to thank you for taking the time on XXXX XXXX, 2016 to share your concerns with us. Your concern has been forwarded to my office for review, and I would appreciate the opportunity to discuss the matter further. I have not been able to reach you by phone at XXXX. Please contact me by phone at XXXX, extension XXXX, or reply to this message with the best times and phone number to contact you. Below is the payment in full Below is the payment in full XXXX/XXXX/2016 ACH Withdrawal PNC BANK PAYMENT XXXX, XXXX XXXX ... XXXX - {$350.00} | ||||||
| 12/21/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I contacted PNC Bank where my elderly father had a CD. I have legal power of attorney for my father as of XXXX and have dealt with many financial institutions since on his behalf since XX/XX/XXXX when he was diagnosed with XXXX XXXX and became unable to handle his own affairs. I called PNC bank to determine how to proceed in order to disburse the funds from this CD so I could add them to a trust account we establish in XX/XX/XXXX XXXX for which I am one of 2 legal trustees ) to fund my father 's health care costs. My father was admitted to a XXXX facility on XX/XX/XXXX and has remained there since then. He will never return home and is legally incompetent to make any financial decisions due to the severity of his XXXX and congestive XXXX XXXX. He also survived a bout of XXXX a month after he entered the XXXX home. The PNC rep gave me an address to which I needed to mail a copy of my POA, which I did on XX/XX/XXXX. They said they could not speak with me about any aspects of this CD until they had received the POA and it had been added to my father 's account. When I mailed in the POA, I provided all of my contact information and asked them to let me know when everything was ready. Nothing happened. I spoke with a PNC rep on XX/XX/XXXX. The POA had not yet been added to my father 's account, and I was told a penalty would apply if we withdrew the funds early. I was told I could do anything a legal owner of the CD would do after my name was added to the account. On XX/XX/XXXX, I spoke with a PNC rep again. The POA still had not been added to the account. She said additional paperwork was needed, and it had been mailed to me. I asked to speak to a manager and she said one would call me. This never happened. On XX/XX/XXXX, I sent in additional requested paperwork to PNC bank at yet a different address. Apparently many departments had to review my POA in order for me to be added to the account. My sister ( the other POA holder ) and I had been discussing this matter all along with our elder care attorney who set up the trust and has been our advisor throughout our months of dealing with my father 's financial affairs. Since we had received no response from PNC by the end of XXXX, we requested that he help us prepare a letter to send to PNC along with an affidavit certifying that the POA was a legal document still in effect and an additional copy of the POA in which every page was notarized. In this letter, I requested that the legal address for the account be changed to my mailing address ( since my father is now a resident of a XXXX home ) and a formal request to surrender the CD ( with its account number ), with a check issued made payable to my father and sent to my address. Finally, on XX/XX/XXXX, the check was issued and sent to me. As I mentioned above, I have been dealing with my father 's financial affairs for months. During the time I have had to interact with at least two other banks and numerous other financial institutions. None of the other banks treated me with such disregard for the urgency of the situation -- an elderly father with XXXX, in a XXXX home, with XXXX, who needed all of his assets liquidated ASAP in order to pay his many medical bills. I did eventually get the check, but I decided to still complain because I believe that my father and I were treated with total disrespect and disregard for the seriousness of the situation. I am especially aggrieved because PNC bought the local bank in my hometown where my parents had banked ALL of their adult lives and where I had my first savings account as a child. We deserve better. | ||||||
| 12/07/2015 | Yes |
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| My wife and I have been having an issue with PNC. We changed my individual account into a joint account around the end of XXXX. On XXXX XXXX they pulled money from the account for XXXX as well as a child support payment that was going to her that was around {$85.00} for a total of {$180.00}. We were giving not notification and when it initially showed as pending we thought it was some kind of fraud. When we called PNC they said they could n't see the transaction until it posted. We asked at that point well if the account has been compromised what can we do they said we would have to wait until transaction posted to see for sure. In other words if account is compromised they ca n't do anything until transactions start to post which sounds preposterous to begin with. After the transaction posted we called back in and they advised that it was due to charges to her old closed account. They could n't give us any details and even gave conflicting information, we were told it was all from XXXX old account and another time it was from XXXX old accounts, XXXX closed in XX/XX/XXXX and XXXX in XX/XX/XXXX. They would not provide us further information so not only are they charging us money but they can not even show us what it is for. We went to the branch where we changed it over to a joint account and the apologized for the issue, that they have no way of seeing that when they change over the account, and that they would open up a complaint case for us. A complaint case was opened, XXXX, that was assigned to XXXX XXXX at XXXX, extension XXXX. It took a couple weeks to reach her but once we did she advised it was due to right to offset and there was nothing they could do since it is in the disclosure statement. I brought up the issue that they did not even advise us the money would be taken out and it was n't done right away and she said they would work to make process better but there was nothing they could do to refund the money. I also brought up the child support issue and they advised there is nothing preventing them from pulling from that either, that only social security and XXXX are protected. At best this is unethical but I do not believe the right to offset includes automatically taking child support so it borders on being illegal. The account that we have is based in Maryland which usually has much better consumer protection laws than surrounding states so I believed that they need to also provide notification before taking any money from account, not that they did n't have right to non-child support money but have to at least provide notification prior to taking it. There have been additional issues in the past. XXXX in particular I have a large issue with is I wrote a check on the XXXX of a month. I did not see it post or even show pending until the XXXX. When it posted on the XXXX it actually posted on the XXXX. I had paid some bills early on the XXXX since I got paid and check did n't even show up against account yet. Luckily I had enough money in the account to cover anything but them posting an item that does n't show up on account at all until the XXXX for a back date seems highly questionable to me. PNC advised this was a standard practice and that you just have to account for check once it 's been written. I understand what they are saying but at same time if I see that something is n't even pending on account I should be able to use that money without fear of something being back dated on account. The only reason I paid bills early on the XXXX is I was getting paid on the XXXX so I knew money would be in there before anything else cleared. | ||||||
| 11/01/2023 | Yes |
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| On XX/XX/XXXX at XXXX, I received a phone call from XXXX ( XXXX ) XXXX from a man stating he was calling from PNC fraud alerts on a recorded line. He asked me if I had authorized a XXXX transaction in the amount of {$2500.00} to a woman named XXXX XXXX in XXXXXXXX XXXX I told him I did not authorize this transaction. He told me he would help me dispute this fraudulent transaction on my account. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX. He then prompted me to enter my home address, email address, and phone number under the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account by XXXX XXXX. He told me to write the Purpose and Memo as XXXX. He asked me to state the confirmation number. Wire Transaction Details : Recipient : XXXX XXXX Recipient Details : XXXX XXXX XXXX XXXX XXXX Wire Transfer Amount : {$2500.00} Wire Transfer Fee : {$25.00} Total Amount : {$2500.00} PNC Confirmation Number : XXXX PNC Tracking Number : XXXX He kept asking me to log out of my account as I was placed on a hold, then he told me to log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX. This wire transfer was completed. Wire Transaction Details : Recipient : XXXXXXXX XXXX Recipient Account : XXXX XXXX XXXX XXXX XXXXXXXX Wire Transfer Amount : {$2500.00} Wire Transfer Fee : {$25.00} Total Amount : {$2500.00} PNC Confirmation Number : XXXX PNC Tracking Number : XXXXXXXX XXXX Reference Number : XXXX Through out his interaction I expressed concern about where my money was being transferred to and he continued to reassure me that the money will not be withdrawn from my account and these steps were required to dispute the fraudulent XXXX transaction. He asked me to transfer the total amount of funds from my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX He told me he found fraudulent charges on my XXXX XXXX account and I needed to take further action to dispute these charges. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX told him I do not feel comfortable clicking the link for the XXXX payment and he reassured me that this is standard procedure to get my funds back. I hung up and he attempted to call me back repeatedly from the same phone number. I called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back on XX/XX/XXXX to dispute this charge, and there is no guarantee I will get my funds back from the wire transfer. I was under the impression I was speaking with a PNC employee and did not willingly authorize these funds to be transferred to the recipient, as I was coached by the caller to take these actions to dispute a fraudulent XXXX transaction from my PNC account. | ||||||
| 12/08/2020 | Yes |
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| I attempted to close my account on the afternoon Friday XXXX/XXXX/2020, put originally would have to schedule an appt in a branch that is 18 miles away. Therefore, I transferred the money from my PNC Virtual Wallet Performance Select account to another account I own at another institution. The transaction was successful on XXXX, which brought the account to {$0.00}. The following Monday, XXXX/XXXX/2020, the account was accessed a $ 25 monthly maintenance fee. This fee had never been charged b/c the account was always above {$5000.00}. I called customer service on XX/XX/2020 at noon to ask that the account be closed and the fee be reversed. The first call the agent told me the fee was indeed legitimate and she referenced an article on their website to help explain why I was charged. When I explained that I was attempting to close the account, the agent told me that the fees were explained to me at account opening and I did not meet the qualifications for waive the monthly maintenance fee. She said she can't do anything about the fee b/c it is automatic by their system and can not be reversed. I asked if I could transfer the money back in and then have it waived, and she said no. It should be noted that the account has never had any fees/ waived as a courtesy due to a previous error or problem, as this is not a habitual problem. I then asked if I could speak to someone in the dispute department, and she said she would file a dispute for me, and disconnected the line. At XXXX on XXXX/XXXX/2020, I called back and reached a different agent. After authenticating my account, they transferred me directly to " XXXX '' in the Retail Support Money Management customer support group on a recorded line. I explained that I was trying to close my account, and she indicated that b/c my statement cycle cut off on XXXX and I withdrew the funds on XXXX, the account had dropped under {$5000.00} average balance the month to somewhere around {$4600.00}. I asked how I should have closed, and she indicated that I should have called back on Saturday to request a closure in the account. Now to close the account, I am being advised to bring the account back to a XXXX balance and they will close it. I then asked if the account would be further hit with NSF fees since it is negative, and she indicated that since it was negative due to a fee only, it would not be charged any additional fees. I asked if I would have come in yesterday, which was Monday, would I still have been accessed the fee, she indicated that the fee would have posted anyway b/c the average balance had dropped beneath $ XXXX for the month, even though it was during the last 2 days of the month when I was attempting to close the account. She then mentioned that there is nothing she can do b/c the fee was valid, and the can not be reversed by the core system. I asked to file a formal complaint and have someone reach out to me to further explain, she told me she would be the only person as I was speaking to the complaint department. I then asked for a written confirmation/letter of the dispute so I could share with the CFPB, and she said she couldn't provide that. She then made a comment that I indicated I was planning to close the account, so there was not much else she could do, ended the call. The proper resolution in my mind would be to reverse the maintenance fee and allow me to close the account. I do not intend to pay the institution {$25.00} to allow me to close an account b/c of the timing of the statement cutoff. This account has had over {$5300.00} in it with no activity for over 6 months. | ||||||
| 08/06/2019 | Yes |
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| I walked into a local PNC branch located on XXXX XXXX and XXXX XXXX XXXX to inquire about a business checking account. At the time I noticed a post card describing details about PNC 's HELOC. I asked the representative a few questions about their product. First question was how does the bank look at the consumers income, since I am a self employed individual. Ms XXXX XXXX the representative assisting me replied : Mr XXXX we look at the gross income. I reply that is great!. I would like to apply for your HELOC. Ms XXXX set up an appointment for me to come back with a list of documents to take my loan application. I came back to my appointment as agree and Ms XXXX took my application and state that I will need to bring copies of my XXXX since they look at the gross income. I follow up with an email with the copies of my XXXX. Ms XXXX called me to thank me for being so quick with my response. Then she informed me that someone from underwriting department was going to get in touch with me to clear some things on my application. I received a phone call from XXXX XXXX XXXX introducing herself as an underwriter and that she needed to clear some things from my application. She started by quoting the interest rate I was already informed of when I did my loan application. And with a discouraging tone she asked me " Are you ok with that ''! to which I replied, of course! If I was not ok I would not have engage in the application process. Then she was questioning something on my credit report that happened during the recession. To which I objected to, and remind of the recession and to keep in mind that even Banks had financial issues to a point that the Federal government had to inject a huge amount of money and how some banks went bankrupt. To which she replied " Ok '' with an attitude. Then about week later I followed up with XXXX and she asked me if I had any other income source I told I also have a few tenants on our office building and send her copies of those leases. The next day On XX/XX/XXXX I received an email from PNC stating the following : PNC BANK Loan Reference Number : XXXX Thank you for submitting your loan application to PNC Bank. You are receiving this notification because the status of your loan request has been updated. You will receive further information via U.S. mail within 3 to 5 business days after receipt of this message. Thank you again for allowing PNC Bank to serve your financial needs. On XX/XX/XXXX Ms XXXX XXXX reach out to me to tell me that the bank had declined my loan application. To which I reacted with the question why!. Then I told her that the whole process was very weird and that I had a feeling that I was being discriminated against. Because I do not see clearly were I felt short. Ms XXXX stated she can go ahead and file a complaint on my behalf. To what I replied : Please do!. By the end of the week Ms XXXX from the resolution department reached out to me and left me a voice mail message. I reached back to her and she introduce herself as the person handling my complaint. I asked her about the reason of my declined application, and she started going over some information that makes no sense at all. I asked her to please send everything she explained to me over the phone in writing to my home address and she refused to do so. She stated that she can only explain it to me over the telephone. I told her that by law the financial institution is require to provide consumers the reason of their denial. Today it is XX/XX/XXXX and I have not received anything in writing from PNC. I truly feel discriminated against. | ||||||
| 04/23/2018 | Yes |
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Web | Older American |
| Back in the late XX/XX/XXXX it was recommended that I open a self-directed Roth IRA account with XXXX XXXX. The bank set-up a bank account that was linked to a brokerage account with XXXX XXXX XXXX. It was suggested Roth contributions could be made at the bank level and security purchases made through XXXX XXXX. When purchases at XXXX XXXX were made, the bank would send the monies to XXXX XXXX to pay for the trades. Back in early XX/XX/XXXX I was notified in writing by XXXX XXXX that their company was being sold to another broker-dealer. They gave me the option of moving my account to the new broker-dealer or transferring my account elsewhere without incurring any fees. I elected to transfer the Roth IRA to a Roth IRA I already had established with The XXXX XXXX. On XX/XX/XXXX I contacted XXXX and completed a Roth IRA transfer form and submitted it to XXXX. On XX/XX/XXXX I received an email from XXXX that XXXX XXXX had rejected the transfer request as being not in good order. After numerous phone calls to XXXX and XXXX XXXX, it was determined that the problem was that XXXX XXXX had made themselves the Trustee on my Roth IRA. I was told that in order to facilitate the transfer, that an officer of the bank had to sign off on the transfer request form. Unfortunately, XXXX XXXX was taken over by PNC Bank many years ago. After making numerous phone calls to PNC Bank, I eventually came in contact with XXXX XXXX from PNC in early XX/XX/XXXX who said she could help and would get back with me shortly. Unfortunately her call never came. On XX/XX/XXXX I again contacted PNC Bank. This time I spoke with XXXX XXXX. He checked my records and found that XXXX XXXX did not do anything with my initial request. He promised that he would send my request to the escalations department and that someone would get back with me. Again, that call from PNC Bank escalations department never came. On XX/XX/XXXX I again contacted PNC Bank and was transferred to a supervisor from the Escalations Department named XXXX XXXX. I again explained the issue. She asked that I send her a copy of my XXXX XXXX statement which I did via email on XX/XX/XXXX. I also included a XXXX transfer request form for the bank to sign-off on as requested by XXXX. XXXX XXXX informed me that she was sending my request to the PNC Bank legal department. On XX/XX/XXXX I sent a follow-up email to XXXX XXXX who responded that the legal department was still working on my request. Several additional weeks passed before I received a phone call from XXXX XXXX from PNC Bank on XX/XX/XXXX. He identified himself as a subordinate of supervisor XXXX XXXX. He indicated that he had been working on my issue for a few days. After speaking with XXXX XXXX, it was very apparent to me that he didn't know much about my issue after all. The one thing he did tell me was that the bank account that I had set-up as my Roth IRA had been closed for many years. I asked him who authorized the account to be closed as it was not me. He couldn't answer that question. I've since sent a follow-up email to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and have not had the courtesy of a response. In the meantime, I have an account that I can not do anything with as it is apparently owned by XXXX XXXX and PNC Bank has done absolutely nothing to work through this to bring about a resolution. I've given them over two months to resolve this problem and have had no success. Please help me. The sense of urgency is that XXXX XXXX will no longer be in business in the near future. I've included several attachments for your review. Thank you! XXXX XXXX XXXX | ||||||
| 03/22/2016 | Yes |
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| I spent 3 years and 6 months to receive a Hamp mod from pnc mortgage. I filled out over 10 Workout packages, I had contacted FHA, Hud, Mass A G O office, office of comprtroller of currency, and several other agancies, The Massachusetts Attorney Generals office worked On my behalf and had me reach out to Boston XXXX, which is a non profit that saves home owners from foreclosure, I applied and was approved for XXXX XXXX and tried to do a short sale to the non profit so I could ultimately save my home, PNC mortgage stated I did not qualify for anything, not even shortsale, they also stateted foreclosure was only option, they also filed service members civil relief act in early XXXX 3 seperate occasions, while I was in open workout packages and had approval with the non profit, so save my home from foreclosure. also in XXXX I sent workout package to FHA for home retention and Fha sent to pnc on my behalf, 9 months after working w FHA directly and PNC mortgage pnc stated I was not reviewed, due to non home retention being filled out in paperwork,, which is false, I have filed freedom of information act and received the identical workout package from this request that I submitted to FHA and then FHA gave to PNC on my behalf, it was marked home retention, My contact at FHA was A XXXX XXXX at that time. I finally received a Hamp mod in XXXX XXXX and the amount is XXXX, on an appraised value of XXXX of my home, I asked for A different mod to lower my principal amount to 15 percent over appraisal value of home plus escrow and other fees added, this would give me a principal amount of XXXX. I have received a letter from the regional director of HUD satating everything i did was fair and factual and in the best interests. my listing is backed by 1200 phone calls to PNC, 2500 faxs, 13 workout packages, A non profit that was guided to me by my states attorney generals office, and accepted for loan and amount and pnc will still not approve a shortsale after alll other avenues I was t old were closed. Then they modify me in excess of XXXX over appraised value, my claims are as follows and are backed up, I have exhausted all avenues with PNC and all other agencies, I ask that the CFPB, look into this matter and fine PNC mortgage, I look for only a fair modification, over appraised value of 15 percent with what I believe I should have received, but PNC took over 3 years to midify. due diligence in credit review Dual tracking Dodd Frank violations unfair credit review unfair credit reporting violations of Hud servicing guidelines violations of deceptive banking practices violations of timely credit review giving me legal advice on phone that harmed my credit and continued me into filling out 13 workout packages, and consistently lieing to me with lost paperwork I give the CFPB full access of my file and request that I receive a modification from Pnc mortgage that is fair and unbiased from familial status. thank you, My statements are true, I never had a face to face meeting at any point with PNC, during all foreclosure, there attorneys fees were even listed at XXXX and i never spoke to foreclosing attorney. I am current with my payments as of today, and will abide by mod received, previously PNC has created a situation that I believe is at the worst a regulated bank can do, My belief that they could not forelose, due to me stating all along to PNC what they had did wrong, so In the end I saved my home, but the direct lies they even told FHA in the process for 9 months, is unacceptable, they should be prohibited from making FHA loans until changes are made. | ||||||
| 12/17/2022 | Yes |
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| -- Saturday XX/XX/XXXX : noticed XXXX charges on my payroll debit card at PNC bank online that I did not make or authorize to be made totalling over {$400.00}. XXXX were from a XXXX XXXX company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX from XXXX XXXXe ( I am on my girlfriend 's account and did not sign up for individual phone service ) After speaking to XXXX people when calling XXXX number on phone and being transferred for a XXXX time I called PNC bank XXXX XXXX XXXX only to be put on hold again so I went in person. I spoke to a bank rep who called and helped me report fraud charges. Account was frozen at this time and new card reissued. She informed me XXXX to 10 days for new card. -- XXXX XXXX XXXX visited bank same location in person bank said they could do nothing and referred me to XXXX number which I again called. They stated XXXX to XXXX XXXX days. Also informed bank at this time I had filed a police report because I received information as to the guilty party and police investigation had been opened and I was given a file number. -- XXXX XX/XX/XXXX called XXXX number to see when funds would be available to pay creditors and told by card services at this time it would be XXXX to XXXX business days AFTER THEY HAD BEGUN THE INVESTIGATION. I had received a voicemail while I was working on this day from card services XXXX named XXXX who left a voicemail. I returned the call during their stated hours of operation after I was off work with no answer and left return voicemail. -- XXXX XXXX XXXX received a second voicemail while at work from XXXX asking to return call. I returned call after work again during their stated hours of operation and left another voicemail for XXXX giving him my cell phone number and hours available for best contact the following day. No response. -- XXXX XXXXXX/XX/XXXX I contacted XXXX via same number given at XXXX and again at XXXX leaving another voicemail at XXXX informing him I was off all day and would have my phone on me for best available contact. received no response for either. -- XXXX XXXXXX/XX/XXXX I received letter in the mail from card services stating tthey had been unable to reach me by phone to assist in their investigation and therefore they were closing my claim and no appeal was necessary however to call the phone number listed below. I immediately contacted the number and was given voicemail to which I left a message with my contact info. -- I have contacted this number numerous times in different days since receiving this letter leaving numerous voicemails and leaving my issue and contact information and have never received a call back or spoken to a real person. I have tried to contact PNC bank in person and via phone and am told I need to call the XXXX number because they don't deal with corporate prepaid payroll cards. I am told by the person at the XXXX number that the card services is responsible for that decision making and they have no say in any outcome. -- The police have asked for information from my previous account which was closed by PNC bank to verify the charges. I have called and requested this to be sent to my residence. I was told XXXX to XXXX business days. I have still not received this information to date. I would appreciate any and all help with this matter and will fully cooperate with any questions you XXXX have regarding the matter. These were fraudulent charges I did not make or authorize and would like my money back in my account. Thank you and here is my contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX | ||||||
| 12/21/2016 | Yes |
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| I had a mortgage modification from XXXX to XXXX on my second mortgage. There was wording on the contract that appeared to say I continue paying the same amount continuously and the loan would just be extended. I had not wanted to use that clause at the time but asked the person in charge of modifying loans about it. She said she thought it was strange also. The following year I had a chapter XXXX bankruptcy and continue to have difficulties paying bills so I continued to pay the bill at the same rate. In XXXX I was called by PNC the lender and told that I owed {$16000.00} dollars. I asked why no one had let me know and they said it was because of my Chapter XXXX. They were not allowed to harass me. I asked why someone did not just call me or inform me of the situation without harassing me. I got behind on my XXXX and they worked out a repayment plan over the XXXX right after the bankruptcy. The payments were on automatic withdrawals from my checking account all this time and had continued. I asked if I could work something out with them and they said I could apply for a hardship modification. Problem is I had a large increase in income in the last year and a half. I had retired and was working a second job. And now I was making more then ever. I was eligible for nothing for my daughter in College not even the tax rebates. So a " hardship modification '' sounded like something that would not apply to me. I went to a lawyer about the issue with the contract. I could not really afford to litigate the problem. I tried refinancing with XXXX XXXX who said at first I needed to reaffirm my mortgage with the bankruptcy court. I paid a lawyer to start that process but hesitated because XXXX XXXX was acting strange and I was n't sure what was up with them. They then said my bankruptcy was not 4 years old so they could not cover me. As it turned out it was 4 years old at that point but that was that. I tried another lender and he ran it through and said the foreclosure was showing up on a security check. Not on my Credit since it was not allowed on my credit due to the Chapter XXXX. However he said no one would let me refinance as long as the foreclosure showed up on the security check. I did tell everyone the situation when I tried to borrow for refinancing. I dropped the lawyers since I had very little money left and they were not any helping me. I went to a development corp place that gives help for free. She told me to apply for a modification. I bought her the paperwork and she said I would likely not qualify for a modification because I made too much money. She said they would only give me 6 months to repay the money and I better start saving as much as I can. I said no way I can save enough or not spend enough to put together that kind of money in 6 months. She also told me to file an intent to cure for the XXXX hearting notice I had. I looked it up and intent to cure meant I had to pay everything in two weeks. So I filed a response and made a court date. In all I really just want PNC to work with me. Had they told me within a year that I was not paying enough I would have had a much better chance of figuring something out with them. My house is worth a fair amount I have owned it for almost 30 years and the neighborhood is popular. I make enough money to pay my mortgage. If I refinance I would owe less then I am paying now. I believe my foreclosure sale is being put off because I have a court date to depute the issue. However I ca n't afford a lawyer to represent me so I will have to represent myself. I 'd rather figure something out. | ||||||
| 08/16/2016 | Yes |
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| 1 : I received promotional offer from PNC Bank on XX/XX/XXXX. It indicated I will receive 1.34 % promotional interest rate for the first 6 months and the same account will get 0.74 % APY after first 6 months. Please find the document in document 1 in the attachment and pay special attention in note 2 which refers to the standard balance tiers in the 0.74 % APY in PNC 's offer after 6 months. 2 : I transferred assets to the qualified account before the deadline on XXXX/XXXX/XXXX. and I received the 1.35 % APYE in the first 6 months from PNC bank as promised. Please find the doucment of my XX/XX/XXXX PNC bank statement in the attachment. Please pay special attention to the interest summary that shows APYE is 1.35 % which is slightly higher than the 1.34 % as promised. The interest paid in this month is {$160.00}. 3 : The first 6 month expired in XX/XX/XXXX. The interest rate shall drop to 0.75 % after the first 6 months for this account according to the promotion. Instead, PNC bank only gave ~0.12 % APYE. Please see my XX/XX/XXXX monthly statement in the document 3 in the attachment. Please pay special attention to the interest summary 0.12 % APYE and the interest paid in this month is {$22.00} which is less than XXXX of the interest in XX/XX/XXXX and XX/XX/XXXX is with much higher balance. I have contacted PNC bank since XX/XX/XXXX and talked to PNC bank retail escalation group several times. They have been postponing the answer until XX/XX/XXXX. I received a voice message. The voice message basically refuses to make the interest rate adjustment and told me the rate referenced in the promotion is yearly average. PNC Bank indicated that the interest 0.74 % APY after 6 months is averaging with the prior 6 months interest rate of 1.35 % so the rate after 6 month is actually 0.12 % APY and no adjustment will be made. The voice message in attached in the document 4. Their explanation is totally unacceptable to me : A : As the rate refers in promotion 1.35 % for the 6 months is APY as shown in my XX/XX/XXXX months statement and the 0.12 % is also APY in the XX/XX/XXXX statement. They are the same APY. The after 6 months promotion rate 0.75 % is also APY and why does not show in my XX/XX/XXXX statement as 0.75 %, rather it showed 012 %? B : The interest paid in the XX/XX/XXXX statement is more than XXXX of my XX/XX/XXXX for one month. The balance of XX/XX/XXXX is much higher than the balance in XXXX. If XXXX interest 1.35 % APY is consistent with the 0.75 % APY after 6 months according to the promotion rate, the interest paid in XX/XX/XXXX shall be much higher. C : I do not believe any bank will refer the APY that is balance with the prior interest rate it offers. For example, instead of 1.35 % APY in the first 6 months, PNC bank can offer 5 % APY in the first 6 months and 0.74 % APY after 6 months to lure customer. If PNC Bank explanation make senses, does it mean consumer have to pay negative interest rate to PNC Bank after 6 months. I believe that PNC bank explanation is deceiving and telling lie to customer. The 0.74 % APY shall refer to the interest rate after 6 months not averaging with the interest rate in the first 6 months. It is also clearly suggested in the note 2 of their promotional offer. The offer stated, the introductory interest rate of 0.74 % does not apply to the first XXXX balance teirs. The account between XXXX receives 0.1 % rate only. As a result, I believe PNC is either involve false advertisement to lure consumer to transfer their money to PNC Bank and does not honor it 's own promises. | ||||||
| 09/19/2018 | Yes |
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| Re : PNC Bank - Account No. XXXX I've had this account since XX/XX/XXXX. I have always paid it ahead of time, normally after the XXXX of the month, for a due date of the XXXX. In XX/XX/XXXX the bank changed their accounting system, leaving the coupon method of payment and going to a monthly statement. This change created chaos for ALL PNC customers. When I received the 1st such statement I noticed that the XX/XX/XXXX payment was shown received on XX/XX/XXXX, but I still had an outstanding balance for XX/XX/XXXX. I called the bank and spoke to representative XXXX XXXX. After a while he came back on and said everything had been taken care of. By notice dated XX/XX/XXXX I received a 'Payment Reminder Notice ' for my XX/XX/XXXX payment, which had been paid on XX/XX/XXXX. I again contacted PNC and spoke to a XXXX XXXX - IDXXXX. She proceeded to inform me that there was no balance due, that the notice had been the result of the accounting chaos that was going on, to disregard the notice. I made the subsequent payments as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - all to be applied to that month 's payment due on the XXXX. ( Note - my payment due date is shown on the statements as the XXXX, but when they apply the payments, due date is shown as the XXXX. ) So this Monday I received a XX/XX/XXXX statement once again showing a payment received on XX/XX/XXXX, applied to an XX/XX/XXXX due date. I called. After a 2-day wait for phone response, I JUST NOW found out, that the XX/XX/XXXX payment initially mentioned above was RECEIVED TOO EARLY, that their system is INCAPABLE of applying payments that early, so my XX/XX/XXXX payment was supposedly applied as Principal only - ( without my knowledge or consent ), SO I STILL OWE THE PAYMENT FOR XX/XX/XXXX. They're actually expecting me to make 2 payments in one month. The representative I spoke to today informed me that on XX/XX/XXXX ( the day I spoke to Mr. XXXX XXXX ) a request was put in to correct the payment ( I was never informed of this ), but that he had received a reply that it could NOT be done. Yet I have a detailed 'Payment History ' prepared by PNC XXXX showing that XX/XX/XXXX payment applied to the XX/XX/XXXX due date. What I failed to notice is that the XX/XX/XXXX statement showed the XX/XX/XXXX payment applied to XX/XX/XXXX once again. SO THERE IS A DUPLICATE PAYMENT, but that's not what the representative shows on her records. I told this person there was no way I was making another payment for XX/XX/XXXX, they HAVE my money and they need to fix this. She said she would re-submit a request to make the correction, but couldn't promise anything. I don't hold any hope. I should NOT be affected by the incompetence of the bank and their backwards new technology. And they should NOT expect me to make a 2nd payment when they've already received the money. They've received the payments, they need to apply them correctly. Not only that, she told me that to avoid this situation in the future, I need to make my payments after my statement issue date ( which is NOT shown on the statements ) and which I end up receiving extremely close to the payment due date. I'm attaching a copy of the letter mailed to clients by PNC regarding payments. NOWHERE does this letter instruct clients NOT to send payments early. First time I've ever heard of that ; no one informed me of this the prior 2 times I called either. I've been an extremely good client for this bank and should not be the victim of their incompetence. Your assistance is appreciated. | ||||||
| 12/10/2018 | Yes |
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| On XX/XX/18, I attempted to deposit several checks into my business checking account at the PNC ATM located at the drive up portion of the PNC Bank located on XXXX XXXX XXXX in the XXXX neighborhood of Washington, DC. When I first attempted to deposit my checks, the ATM spit them out and asked me to redeposit them. I redeposited the checks and the machine began making loud noises and the door on the machine that accepted the deposits started opening and closing. It did this for about 5 minutes and the machine went out of service and then came back online, but it did not give me any images of checks being deposited, nor did I receive an email from PNC regarding my deposits being accepted by the machine. There was a car behind me and I drove away from the ATM to allow the other driver to use the ATM. However, I understand that driver also had issues receiving funds they chose to withdraw from their account. I then called inside the branch to report what had happened to me and also to the driver behind me. I went inside the branch and told them what was going on. I was directed to speak with a woman named XXXX XXXX, who had me to give her information about the deposit. I had maybe 15 checks or a little less that were deposited, but I told her I was unsure of the total amounts of each check, but that I had signed each of the checks and they were made payable either to my business, called XXXX XXXX, to XXXX, or made payable to me, XXXX XXXX. I estimated the amount for the checks in total exceeded {$4500.00} and I now believe they exceed {$5000.00}. The checks are tuition payments from parents who XXXX XXXX XXXX. I then asked Ms. XXXX when the ATM was going to be services and she told me that she did not know because it belonged to an outside vendor. I told her that was an unacceptable answer because she seemed to be a person of authority at the bank and should know that kind of information. Ms. XXXX then told me she would follow up with me the next day, but did not and several days have gone by with no resolution. Meanwhile, the checks are still outstanding and have not been credited to my account and I need to have them credited and accounted for ASAP. I am able to give some identifying information as to the amounts of most of the checks and the payors. However, I believe that at this time, the checks should have been retrieved from the machine or at least the vendor should have been notified. I was not given the name of the vendor when I reported this issue. At this point, I need to be made whole with the checks being retrieved from that ATM, the checks being deposited into and credited into my account, and images of the checks sent to me via the email preference I have set on my account to be able to retrieve images. Apparently, PNC banks in the DC area frequently undergo issues with their ATMs ; 2 nights before that, I was at the ATM for a PNC bank located on the XXXX XXXX of XXXX XXXX XXXX in Washington, DC and while I attempted to use one of the outside ATMs to make a deposit, another customer was trying to use the other to withdraw funds. The other customer NEVER got her money and when I attempted to get into my account, the ATM machine I used NEVER as able to take my PIN number. Overall, the matter with the XXXX PNC should have been resolved by now. I want my money ASAP. I can be reached anytime for follow up or via email. This is regarding my ATM debit card number ending in XXXX. The phone number to the PNC XXXX branch is XXXX. The reference number to this issue is XXXX. Thank you, XXXX XXXX | ||||||
| 09/21/2023 | Yes |
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| I am writing to dispute two late payments that were placed on my credit report, as well as my wifes mistakenly by PNC Bank after we were awarded by loan officer XXXX XXXX, XXXX XXXX Representative, deferred payments for our credit card and personal loan because we were attempting to do a debt consolidation/hardship with PNC through a local branch, XXXX NC . We tried to file a dispute online with the credit reporting agencies but were advised that PNC would have to remove their mistake on their own. We attempted to rectify the situation with PNC but were told by several individuals that there was nothing they could do, even though the loan officer at the XXXX XXXX, XXXX, told us that we wouldnt have to pay for those months because they were being deferred. The account number, XXXX, was opened on XXXX. The late fees were attributed for XX/XX/2020 and XX/XX/2020, again after we had been awarded deferred payments. You can go back and look to see we had no late payments prior to that with the credit card or after those two incidents. At the same time, we had a personal loan, XXXX, through PNC that was awarded deferred payments by XXXX or XXXX in the loan department on XXXX in an attempt to consolidate the debt. We were advised that the XXXX and XXXX payments for XXXX would be deferred and we were never charged late payments for that endeavor. The loan was paid in full on XXXX. When we discovered the late payments, we immediately went to the XXXX XXXX to meet with XXXX XXXX. She immediately started apologizing and said she would get the situation rectified. She further mentioned that all of her calls are recorded so it would show that we were in the rightthat we were told by her not to make payments. Some time went by and we were directed to a XXXX XXXX in Executive Client Relations. XXXX advised he would have it taken care of. I have that conversation, as well as many others with other PNC reps, recorded. Again, time passed and nothing had been done. We again went to the XXXX XXXX to seek assistance and was told XXXX XXXX had left the company. We spoke with XXXX who was the senior branch representative and she said she remembered the whole debacle. Her comment was, They havent take care of that yet. Let me see what we can do on our end. She put in me touch with XXXX XXXX in the Executive Client Relations Group which advised she would review our case. I havent heard one peep from her or that office since then. As I mentioned before, we have written to PNC to address this mistake and the response was that the credit bureaus would have to have that taken off. We have written to the credit bureaus and the response was that PNC would have to have that taken off. We have tried XXXX XXXX to have the late payments addressed to no avail. Please explain to us, either by email, phone or mail why we are being punished for trying to consolidate our debt with PNC when the loan officer at PNC, XXXX XXXX, advised us not to pay those months because they would be consolidated. You can go back and listen to her recordings on her phone line ( we know because she told us they were recorded ) with several departments after she realized what happened and tried to rectify the situation. We also have recordings with XXXX XXXX and XXXX from the escalation department explaining that they would try to rectify the situation but never did. We have never had a late payment on our credit report until PNC dropped the ball. We take our credit very seriously and will start searching for credit lawyers to tackle this issue if it is not resolved. | ||||||
| 08/12/2015 | Yes |
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| XXXX XXXX my husband was contacted by his mortgage company to do a HARP refi via email. XXXX XXXX, a loan officer with PNC which is my husband 's present mortgage company contacted him, at first he offered a rate about 4 %., he pulled credit at my husbands approval but would never email a credit report. He stated that he was not a credit bureau and he could not do that, he also stated my husband would receive a letter within a week which would show him how to obtain a copy of his credit report. My brother is a XXXX in XXXX XXXX and he said whenever he pulls credit he always emails it to his clients. We started working with another company that offered a 2.875 % but with closing costs. We contacted XXXX again in this process and asked if he could give a better rate. XXXX offered XXXX different scenarios, the one we chose was a 3.5 % on a loan of XXXX with XXXX closing costs. We chose the higher rate of the XXXX as XXXX stated we would not need income verification or an appraisal, as they were his present mortgage holder and he would be doing a HARP refi losing 2 % from his present 5.5 % rate. I even confirmed this by email. The truth in lending packet came and did not have the GFE. My husband received the GFE a week later and it was showing settlement fees of XXXX. I balked at this, tried to get XXXX XXXX to revisit the figures and even went higher up the chain of command. I called Corporate Office and spoke to XXXX XXXX, who put me in touch with XXXX XXXX who was a regional manager and also over XXXX XXXX. In conversation he told me another GFE would be sent, this arrived a week later asking for higher fees of XXXX. I went higher up the chain to V.P. of operations, XXXX XXXX. I received a XXXX GFE not only with higher settlement fees of XXXX but also raising the loan amount that my husband had already locked from XXXX to XXXX. I really feel like this was a bait and switch. The term I believe is predatory lending. I, in the process found out that XXXX XXXX Regional manager and XXXX XXXX boss was no longer with the company. XXXX and XXXX told me I should grab the other loan my husband was entertaining. This was also very unprofessional. I told him the reason we did not take that loan is because of the closing costs. When the original GFE came via mail, I tried to work with XXXX, he said if we wanted to cancel the loan, we could. All he would have had to do at this point is receive approval from upper management to take the XXXX origination fee off and we would be glad to glad to move forward. I called corporate office and was put in touch with XXXX XXXX, XXXX 's regional manager. Everyone continued to tell us the numbers would be reviewed one more time. I am attaching email documentation of our offer, XXXX GFE 's and the letter of intent. I have not heard from XXXX XXXX since my last email 3 days ago, asking him to escalate this up or I would. XXXX XXXX 's we only spoke to XXXX time, maybe XXXX. This was supposed to be a simple streamline REFI being that my husband has his loan under PNC and there was no income verification, appraisal or closing costs. We have been in this process so long our balance is now XXXX less on our mortgage. We are already working with a gem of a guy at XXXX XXXX, who gave us a lower rate of 3.375 % and received our GFE with them owing us a very small balance in the end. Their lender credit is XXXX. After multiple attempts, we got tired of trying to do battle.My goal here is to stop predatory lending and to prevent this from happening to someone less knowledgeable or more desperate. | ||||||
| 09/05/2017 | Yes |
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| I am hereby filing a complaint against a financial institution the Consumer Financial Protection Bureau is already very familiar with - PNC Bank. Let me begin by stating that as a consumer I am appalled such large-scale borderline and in many cases overt criminal enterprises ( XXXX XXXX being a recent example ) continue to operate nationwide with apparent immunity, exploiting the false credibility the term Bank implies while exhibiting total disregard for the lawful rights of those who must conduct business with them either voluntarily - the consequence of poor choice, or involuntarily - the ramification of unfair market practices. Mine, is a case of the latter. On XX/XX/XXXX, I closed on a home which, as with most Americans, was the culmination of much hard work and financial diligence over many years. I did everything exactly right from the beginning of the process : establishing an excellent credit score, eliminating other debt, researching the value of available properties, insuring affordability, and overcoming all the multiple obstacles necessary to qualify for a mortgage and complete a purchase transaction. Unfortunately, only eight months and eight payments later, I am now dealing with the third and most incompetent mortgage service provider since the loan was originated. PNC Bank acquired my account as of XX/XX/XXXX, and issued their first Escrow Account Disclosure Statement on XX/XX/XXXX obviously without ever investigating the correct anticipated County Tax amount due for the current year XXXX. Instead, these financial experts based their escrow projection on the exact dollar amount of {$4300.00} paid to the county by the previous owner for XXXX when the property was recorded as a secondary instead of primary residence. That amount is {$2800.00} more than the current assessment from the County Auditors Office for XXXX of only {$1400.00} now that the property has been approved for a lower primary residential tax rate. The substantially inaccurate statement from PNC Bank declares both an unjustifiable escrow shortage of {$2600.00} and indicates a needlessly recalculated monthly payment of {$1900.00} due beginning XX/XX/2017 that is {$450.00} higher than the current one of {$1400.00}. In addition to a considerable monthly payment increase, PNC Bank also proposes sending the alleged shortage amount of {$2600.00} to them within 15 days as if collecting on a delinquent account, even though I have only been a customer long enough to make a single mortgage payment. I have absolutely no intention of entrusting any funds to the unprincipled management at PNC Bank beyond what is valid to cover escrow disbursements to the designated payees based on the appropriate amounts required. Repeated attempts to : 1 ) communicate there is an issue with the initial Escrow Account Disclosure Statement, 2 ) submit documentation to support the invalid distribution projection, and 3 ) simply obtain some form of acknowledgement regarding efforts to resolve this matter have been extremely frustrating and thus far have yet to yield any response or willingness on behalf of PNC Bank to fulfill their obligations as the present mortgage loan service provider. However, what this dilemma and PNC Bank have done is cause undue emotional duress and anxiety for me at a time when I should be enjoying time in a new home - something an incisive representing attorney will be taking into consideration should this complaint not expedite accurate revisions to my escrow account statement and more formal litigation becomes necessary. | ||||||
| 03/11/2020 | Yes |
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| I happen to find this on my credit report by accident. I received an email from a mortgage refinance company that said I needed to get a letter from PNC mortgage stating I was not currently in a foreclosure. I was very confused since I had NEVER been in a foreclosure status with PNC mortgage. I had to respond to this email on XX/XX/XXXX. Now, I am refinancing my home again to obtain a lower interest rate. This process started on XX/XX/XXXX. In the process, I investigated my credit report through XXXXXXXX. When I opened the link to my closed account with PNC mortgage, I saw what this woman from almost three years ago was talking about. PNC had reported late payment for me from XXXX to XXXX with " FS '' meaning " foreclosure started '' during the good part of a year. Then all of a sudden all of the payments after ( and before ) this period were all marked on time. I have made EVERY SINGLE PAYMENT on time in XXXX, XXXX and XXXX. However, my payments were due on the XXXX of the month and sometimes would not post until the XXXX or XXXX of the month. My statements would reflect a " late payment charge '' and then a credit for the " late payment charge ''. I am assuming this is because my ON TIME payment was not reflected in their system in real time and it generated a late payment charge which had to be " erased ''. However, this should NEVER have prompted a reporting of 30 days late and certainly not 60, 90, 120 or 150 days late! Of course, I disputed this charge, especially considering PNC had reported a FORECLOSURE which was adamantly FALSE. Everything was corrected except that my payments continue to reflect a late payment of 30, 60, 90, 120, and 150 DAYS LATE!! for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is absolutely FALSE as every payment made during this time period was on time. As I previously stated, I NEVER MADE LATE PAYMENTS ON MY MORTGAGE. Also, I requested THREE separate times that PNC mortgage send me my account information for XXXX, XXXX and XXXX to verify my payment status for that time period. All payments were made on their website and I no longer have access to any of that information. They told me that the information was archived and it would take at least 30 days to get that information to me. I received a letter yesterday with the payments during XXXX but no other time period. All payments were made on time as I said ( although initially this was marked as a foreclosure period before it was corrected ). The last phone call I had with PNC 's " customer service '' was a woman who told me I had to file a " formal '' dispute. I told her I had filed a dispute for both XXXX and XXXX through XXXX XXXX 's website. She told me that was not a " formal '' complaint although it did get them to remove the other negative information including the " foreclosure '' from my initial dispute. I can not give the credit bureaus any evidence of my paying them on time without the information that PNC holds in their " archives '' regarding my account. I do not even have access to that time period for my bank statements because it was over three years ago. I am deeply disturbed that I can not get more information from PNC and that PNC will not correct this information. It is costing me a higher interest rate due to my credit score being dinged for " severely delinquent accounts ''. I have worked very hard to maintain an excellent credit rating and I am appalled at the lack of action or empathy regarding how this detrimentally affects people lives and livelihood. | ||||||
| 05/20/2017 | Yes |
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| I am writing to complain that PNC Mortgage extracted loan fees from us under false pretense. We submitted a loan application to PNC Mortgage on XXXX XXXX, 2017, requesting a conventional 15-Year Fixed mortgage for a total loan amount of {$94000.00}. After submitting all requested paperwork, we were told by XXXX XXXX, Loan Processor ( Phone : ( XXXX ) XXXX, Email : XXXXXXXXXXXX ) that our loan was " conditionally approved, '' and that we needed to pay an up-front appraisal fee of {$650.00}. I asked what the conditions were, XXXX credit card. after a couple days she said there was a {$2000.00} judgement on our title report that we needed to clear before the loan would be approved. I asked for information about the judgement, as I was unaware. The next day, XXXX XXXX responded that the judgement was not going t be a problem, and that there were no barriers to our loan. She then asked us again for the appraisal fee, which we paid via credit card. A month passes before XXXX XXXX contacts us again on XX/XX/XXXX to say that the underwriter would not approve the loan unless the judgement is cleared. I asked again for information about the judgement. She responded with : " XXXX, My apologies, you are correct! This judgment was cleared on your title. It was just not removed from the list of things we are paying off with your loan. Therefore, I mistook it as something still needing to be paid off. After further investigation, I noticed that the amount was the same as the judgment we cleared on your title a while back. The judgment will be removed from the list by the underwriter before closing. Again, my sincerest apologies for my misunderstanding. Regards, XXXX XXXX Loan Processing Associate PNC Mortgage, a division of PNC Bank, NA '' The following day, XXXX XXXX, Senior Mortgage Loan Officer, e-mailed : " Good afternoon, XXXX informed me what has transpired on your loan and Im sorry for the confusion. It appears that that judgment does have to be paid off prior to closing. Is this something you want to do? If not, we will not be able to close the loan per the underwriter. Thks XXXX XXXX XXXX Senior Mortgage Loan Officer Home Lending Center NMLS # XXXX " I replied : " As I explained to her, and now for the third time, we have no information about this supposed judgement, or why we are expected to pay it. This came up a month and a half ago. At that time I asked her to forward to me what information you had. After a day she said the matter had been cleared and was not a problem. This issue was apparently put aside in order to get me to pay for the appraisal, and then it could be brought up again at the last minute. Send me whatever information you have about the judgement. If I do not receive documentation within 48 hours, we will withdraw our loan application, and I will expect a refund of our appraisal fee, which I now believe was extracted under false pretenses. XXXX XXXX XXXX XXXX responded with a New Jersey state courts case number, which the state court could not find when contacted by phone. Later a XXXX XXXX contacted me and promised to find our how we can clear the judgement from our records. Three weeks have passed with no response to my phone calls. This leaves us in a catch 22 : we can not complete the loan without clearing this phantom judgement from our credit report, and no one can tell us who we need to pay or why. PNC has now closed the loan application, and we feel we have been duped into paying loan fees based on deceptive statements when the bank had no intention of processing the loan. | ||||||
| 06/30/2015 | Yes |
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| XXXX. From a cursory search of the internet, after experiencing PNC's practices on auto-pay, the victim found links about disproportionate complaints related to PNC. The victim has learned that PNC has a checkered history with the Consumer Financial Protection Bureau; although it was only the XXXX largest bank, it had the XXXX highest number of complaints. The victim further learned that PNC settled claims with the XXXX XXXX. The victim did not actively seek to become a customer of PNC. Rather, PNC purchased his mortgage from another company. PNC chose its victim. XXXX The victim has a XXXX. XXXX which sheds light on acceptable defaults for people who are likely to experience inertia such as those on auto-pay, described below. Based on the victim's understanding XXXX, he is in a good position to realize that PNC's scheme is likely to cause massive errors and financial problems for thousands mortgage holders. XXXX PNC Mortgage acquired the victim's fixed-rate 15-year mortgage at 2.75% from another lender in XX/XX/XXXX. The mortgage - which had been repurchased numerous times over the loan life (which began in XX/XX/XXXX) - had been on auto-payment from the victim's bank account from inception. The victim has an outstanding credit history and has never missed a mortgage payment. Every mortgage lender until PNC had continued the auto-payment that the victim initially set up from inception when it acquired the loan. The victim has never defaulted on any loan. XXXX Unbeknownst to the victim (who is working in XXXX until XX/XX/XXXX and commuting home on weekends), when PNC purchased the mortgage, it deliberately discontinued the auto-pay feature that had been in force since XX/XX/XXXX. XXXX Between XX/XX/XXXX and XX/XX/XXXX, no funds for the mortgage were withdrawn from the victim's bank account because PNC cancelled the auto-pay feature. The victim was unaware of this. XXXX PNC sent non-descript notices to the victim's home during XX/XX/XXXX and XX/XX/XXXX. No phone calls were made to the victim's cellphone. No phone calls were made to the victim's work number. No emails were sent to the victim's email. No letters requiring a signature were sent to the victim's home address that would have alerted the victim or his wife of the pending problem. No courier was sent. XXXX During a weekend visit home, on SaturdayXX/XX/XXXX at approximately XXXX EST, the victim discovered, by accident, the loan was delinquent. The victim was looking for a utility bill for his short-term rental in XXXX. XXXX. Attempts to contact PNC during the rest of the weekend were futile. On Monday, XX/XX/XXXX, at XXXX, the victim called PNC at XXXX. The call lasted for XXXX minutes, during which time the victim spoke with four PNC representatives, before being forwarded to a voicemail. Every representative attempted to give the victim a run-around or blame him (i.e., alluding to the welcome letter). XXXX representative overtly lied about how to set-up autopay online, and refused to pay postage to set up autopay through the mail. XXXX The computer glitches that made it impossible to set up autopay on XX/XX/XXXX were resolved on XX/XX/XXXX XXXX The key problem is that PNC purchases mortgages with autopay from customers who voluntarily chose that convenience. They then cancel auto-pay, blame the victim, and potentially harm thousands of customers with late fees and distress. XXXX. The victim asks the CFPB to investigate how many victims are harmed by PNC's internal choices, and force PNC to address the issue and compensate the victims. | ||||||
| 05/07/2019 | Yes |
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| Hello! My name is XXXX XXXX and I am contacting you all in reference to a Debt Collection of {$350.00} made by PNC bank on XX/XX/2019. This collection debit that was made by PNC bank was claimed to be for a payment that was overdue and wasn't received on XX/XX/2019, this payment was late but was not 30 days late and was paid on XX/XX/2019 due to a recent job change and the way my paycheck began falling within the system. On XX/XX/2019 I paid {$360.00} for my auto loan on my XXXX XXXX XXXX that was due XX/XX/2019. Again, while this payment was late it was not 30 days late. While checking my checking account on XX/XX/2019 I noticed another charge of {$350.00} made by a check that was supposed to be authorized by me to transfer this amount to my auto loan which I did not make or authorize. My payment wasn't due until XX/XX/2019, so PNC debited my account for a payment that wasn't due. After their unauthorized transaction of {$350.00} this resulted in my account being overdrawn $ XXXX along with a overdraft fee of {$36.00}. I attempted to reach out to this organization in reference to the {$360.00} that was unauthorized and transferred to my auto loan account without my permission and they stated that this was debt collection for when the payment of XX/XX/XXXX was not paid. I have a Installment payment notice slip stating that I paid {$370.00} which is {$6.00} above my regular payment for the month of XX/XX/XXXX. If this payment was late to PNC and was this overdue to this organization they never attempted to contact or reach out to me in reference to this supposedly overdue and unpaid payment, nor was it reporting to my credit bureau. I spoke to 3 different people including a manager on XX/XX/XXXX for over 3 hours. The first spokesperson I spoke to was very understanding and was going to attempt to get my money refunded to my account. While on the phone he attempted to transfer me to Online Banking which later disconnected me resulting in me calling back concerned for my bank account. When contact was made back with this organization I spoke to a female that was very rude and irate towards me and unwilling to help me resulting in me asking for a supervisor of which when I was transferred to a Manager. Once on the phone with the manager this female stated that my payment for XX/XX/XXXX was late and I had not payed this payment resulting in their collection agency removing {$350.00} from my checking account without my permission. The manager stated that I could dispute the charge but it would be too late for them to refund it to my account due to the upcoming payment for XX/XX/XXXX, she informed me that she would be providing me paperwork for a dispute to stop the transaction which I have never received 3 days later. The manager then refused to help me or look any further into my account after I stated I would be contacting my attorney in reference to this complaint. I contacted PNC Bank again on XX/XX/XXXX and I spoke to XXXX on in reference to the incident and XXXX confirmed that all of my loan payments had been made, while I had paid payments late - not one time had I ever been 30 days past due or sent to their collection department. PNC Bank still refuses to do anything in my favor to help me. I have attempted to reach out to this organization in an attempt to get my payment date modified to better fit my new paying schedule but they are unwilling to work with me. I have done everything possible to work this out within this organization and they refuse to help. Thank you for your time. | ||||||
| 12/20/2017 | Yes |
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| XX/XX/XXXX Complaint Against PNC Bank, NA NMLS ID XXXX XXXX, MI Service Center and against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NMLS ID XXXX, An Individual Authorized to Represent PNC Bank, National Association On XX/XX/XXXX at approximately XXXX XXXX, in the routine course of servicing my application for a Home Equity Line of Credit during a telephone exchange recorded by PNC Bank, XXXX XXXX, in his capacity of an authorized representative of PNC Bank, NA, did TWICE during the exchange falsely and maliciously accuse me of the federal crime of willfully attempting to commit fraud on my loan application. He clearly stated falsely that I was lying on the application. This constitutes two counts by authorized PNC Bank Representative XXXX XXXX of committing the civil infraction of libel against me and was a defamation of my good character, while XXXX XXXX represented PNC Bank, NA, which bears direct responsibility for his illegal and upsetting acts which are personally injurious to me causing great distress to my well-being since my victimization by XXXX XXXX as he spoke for PNC Bank. Having been the victim of age discrimination I cant help but wonder if PNC Bank encourages bullying of older folks like me. My date of birth was required on my application. I am in the process of discussing this possibility with a legal firm expert in matters of age discrimination. I contacted PNC Bank Representative XXXX merely to point out an error ON HIS PART that was delaying processing of my application. I was understandably upset at being called a liar and a felon and I demanded to speak with his supervisor at once. XXXX XXXX TWICE REFUSED TO TRANSFER ME TO A SUPERVISOR but upon my insistence finally did so. The PNC Bank supervisor ( name, full title, and NMLS ID available on request ) heard my complaint and promised me that the recording of this call would be saved indefinitely. In an email time stamped XXXX CST on XX/XX/XXXX I received an admission of PNC Bank error : and an apology and excerpted below, full text available on request : In regards to your complaints from the interactions on your call this morning.I did review the call and again apologize any inference taken from the statements made. we are again moving forward with the application. .and again please accept my apology for any misunderstanding. I have been contacted by a PNC investigator and will pursue this matter until I receive verification that XXXX XXXX has been subject to disciplinary action by PNC Bank, not excluding suspension or termination of his employment. Anything less will serve as solid proof that PNC Bank approves of, condones, and encourages XXXX XXXX illegal and outrageous behavior. This would surely indicate a more embedded culture of complicity by PNC Bank in areas that might uncover a XXXX XXXX corruption scenario that demands investigation by federal banking and justice authorities and in turn, the news media. Questions should be asked regarding how far up in the executive chain this might go. Like at XXXX XXXX, are instructions to Is the instruction to intimidate PNC Bank customers coming from PNC Bank CEO XXXX XXXX? It will be interesting to see whether my loan is approved since PNC Bank already erroneously ended consideration of it on faulty data recklessly submitted by its authorized representative, XXXX XXXX. That is until I corrected them and demanded my rights. I will certainly demand thorough investigation and audit by regulating authorities for even the slightest irregularities if it is denied. | ||||||
| 05/02/2022 | Yes |
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| My credit union offers free no-fee lifetime checking. I have been with them for over 20 years and I love them. But I wanted a backup account to get a backup debit card. In case a debit card gets lost while I travel. So I signed up for free no-fee lifetime checking at www.simple.com. I was happy with their services and I remained happy even after they got acquired by BBVA USA. I remained happy with BBVA USA because they honored my free no-fee lifetime checking. Plus they happened to have branches where I travel. Then BBVA USA was acquired by PNC. And as it turns out PNC has some branches in places I frequent. But not as advantageous to me as BBVA USA. Regardless, I figured at some point I could get around to funding my now PNC checking account by more than a penny. ( {$0.00} ) But I was in no rush to do so because it is free, no-fee lifetime checking. Or so I thought, when I received an email from PNC a week ago stating they were going to hit my account with a {$7.00} per month fee! According to PNC they workaround to this {$7.00} per month fee is maintain a daily average balance of at least {$500.00}. One of the issues here is that they did not give me enough time to make that happen. Unless I were to put in {$15000.00} or more to turn to achieve that {$500.00} daily average balance. ( {$15000.00} into 30 days, since I had {$0.00} in the checking account ) Beyond even the less than ample notice. I am upset because I expect PNC to honor the free no-fee lifetime checking as BBVA USA did XXXX I am grandfathered in as a successor account. I should not even have to maintain a daily average balance of at least {$500.00}. This is not okay. The analogy that I present to PNC goes like this. As someone that has done landlording. When I have purchased a property. I am obligated to honor the pre-existing leases. I can not change the terms of a tenant 's lease after the closing. Think of a situation with rent-control. A new landlord can not change the rent on someone in a grandfathered apartment. This is why oftentimes a building with rent-control units sells for less than one without. Landlords are not able to cherry-pick in that case. There is a reason for the discounted building. The same rings true when one financial institution acquires another. Imagine if I opened a credit card from X Bank and they got bought out by Y Bank. Later PNC buys Y Bank and then I say to PNC- I have no account with you. PNC would still insist on payment and if they took me to court- they would win and I would lose. If that logic applies then PNC must honor my free no-fee lifetime checking. That would also explain why I never received notices from PNC because none applied to my account. They may claim they sent notices, but the only one I acknowledge receipt of is the email from last week. Which prompted me to fund the account by {$500.00} to bring the balance up to {$500.00}. Because I figured they would hit me for the {$7.00} fee before I had a chance to straighten out this matter. I do not wish to get hit again at the end of XXXX/ start of XXXX. So I do not plan on moving the balance. I communicated my concerns via the PNC XXXX. I also called them and spoke with a wonderful woman named XXXX. Later I got in touch with a nice woman called XXXX. But none were able to help me. XXXX suggested I write to the President of PNC. But on second thought I became concerned that even the President might not have the power to help me. So I surmised I would contact your office to get a little additional help. | ||||||
| 10/01/2021 | Yes |
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| SUMMARY : There have been multiple unauthorized changes to my account that occurred internally to the PNC system. PNC has not been transparent in the handling of this security breach on my account. FULL DETAILS : XXXX XXXX : I reviewed my account statement and noticed the address on the document was a completely different address based in Colorado. I nor the authorized user on the account have or had any association with this address whatsoever ( which is on the other side of the country ) Upon review of old account statements, it appears the address was changed in XXXX or XX/XX/XXXX. In statements prior to the XX/XX/XXXX to XX/XX/XXXX statement, the address was correct. I never authorized this change and I was never notified of this change in address. I raised the issue with Online Support immediately and changed my password as a precaution ( even though the password is not shared with other accounts ). The specialist indicated there was no record of the address being changed in their internal system. She did the following : ( 1 ) corrected the account address and ( 2 ) escalated the issue to the PNC security team for review. She also said I should be receiving a letter in the mail confirming the change in address. XX/XX/XXXX : I received a call from Retail Support, I described my issue and they then sent to the security team for review. Week of XX/XX/XXXX : Security team called me and told me the security issue has been resolved and no further details can be provided. I asked how the change happened and what else has been compromised ( account information, identity, etc ). The specialist said no further details can be given. This raises my concerns further as to why PNC is not being transparent in the nature of the breach and they are not providing any guidance whatsoever on what corrective action needs to be taken ( no suggestion to change password, freeze credit, etc. ) XX/XX/XXXX : I go to my local branch and remove the additional authorized user from the account. XXXX XXXX, XXXX : Through online chat, I request closure of the savings accounts in my Virtual Wallet account ( Reserve and Growth ). Checking account ( Spend ) remains open. XX/XX/XXXX : I access my account online to review my debit card settings. I am unable to find my settings so I use online chat for assistance. After some discussion, the support specialist says my debit card was closed on XX/XX/XXXX. She is unable to provide any detail on why it was closed. Same as before, I never authorized closing the debit card and I was never notified of the closure. I am still in possession of the debit card which was good through XX/XX/XXXX so it wasnt expired nor lost. It was also not inactive as I was using it frequently during that time and even used it that same day on XX/XX/XXXX. XX/XX/XXXX : After much confusion and frustration regarding the administration of my account, I visit my local branch to review this whole issue in person. The branch banker confirms the debit card was reported lost/stolen on XX/XX/XXXX. He was not able to confirm who reported it lost. He also could not find any record of the address change in XX/XX/XXXX. This raises the question was a security review even performed in early XXXX XXXX if they did not even find the debit card closure during the period in question? I am discovering issues on my own, why isnt PNC sharing the extent of the breach? If my debit card was reported stolen, why didnt PNC notify and re-issue a new card? What is the extent of the breach? | ||||||
| 07/07/2021 | Yes |
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| Our flood insurance was set to renew on XX/XX/XXXX of XXXX. On XX/XX/XXXX I began calling insurance companies to ensure we would have new flood set up in a timely matter.On XX/XX/XXXX I signed flood insurance documents digitally through XXXX XXXX. I signed policy # XXXX. They were supposed to send the plan over to PNC bank as flood insurance is required to go through escrow. PNC would remit payment on our behalf. I was in touch with XXXX from the flood insurance company who kept advising me they had not send payment. I finally contacted PNC around XX/XX/XXXX as I was tracking our escrow account and saw they had not send payment, even though policy would expire in a matter of days. I called requesting they would send payment. PNC bank sent a payment of {$1300.00} and I saw this being taken from our escrow account. I assumed all was good since I noticed the amount was paid and I knew PNC was supposed to be in charge of the account. A few weeks later, now XXXX I noticed that the policy I signed on application for was in the amount of {$1400.00}. I noticed the discrepancy in payment. I contacted PNC for weeks who was no help in explaining why they sent that amount or to who they send it to. I even had PNC on a three way call with the flood insurance company. I began my own research calling the flood insurance companies. I learned that PNC never paid the policy I signed for on XX/XX/XXXX and instead paid a different policy with a different company which we had not approved. However PNC did not pay the full amount and so technically money was still owed if we wanted to keep insurance with this company. Therefore I discovered I had no active flood insurance. The flood insurance company told me there was not technically an active policy on the account since the payment they received did not match the amount due on any policies. They also could not reinstate any policies that day since it was past 30 days since the quote. They told me they would have to shop a new policy for me. The flood insurance company shopped a new policy for me. I immediately paid this new policy the flood insurance offered me in full and out of pocket to ensure we would not have a lapse in coverage. This was now XX/XX/XXXX. I had them start the policy this same day. This policy had a start date of XX/XX/XXXX. I called PNC to let them know of the all the errors they had made and provide them proof of coverage. I also requested they remove our insurance from escrow so we can track and pay it on our own after the horrific experience we endured. Which is our second horrific experience, since last year PNC didn't submit our taxes on time to our local village. Very frustrating that they are in charge of our money and consistently make errors with our money.They told me this wasn't possible. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from PNC stating they are charging me {$270.00} for not having flood insurance XXXX. It was PNC 's error that left me without insurance when they submitted payment in the wrong amount, to the wrong company. I would still be in this mess without my own due diligence of tracking our escrow and paperwork. I signed an application on XX/XX/XXXX to ensure we would have an active flood policy. It is not my fault that due to their errors in payment there was a lapse in coverage and I will not be responsible for the {$270.00} charge that exists because of their own errors.I called PNC on both XX/XX/XXXX and XX/XX/XXXX to try and solve this situation. They have refused to work with me. | ||||||
| 09/27/2016 | Yes |
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| In XXXX we filed bankruptcy and affirmed our loans to PNC Bank as we had a HELOC ; affirmed our XXXX XXXX XXXX HELOC and XXXX XXXX ( car loan ). We needed our home and vehicles to get back and forth to work. We continued to pay on these loans with no problems. We did not get any statements or monthly bills from PNC bank and when we called them, they were less than appropriate and asked us what we wanted. We asked about the statements and they said " you filed bankruptcy and we no longer want to talk to you ''. We did not file bankruptcy on this loan and continued to pay. We went to our bankruptcy attorney and explained what happened and he said to stop paying them as there was nothing we could do. Someone at PNC made a huge mistake. We did not put that loan in the bankruptcy. We continued to pay and got no where. We called them SEVERAL times and it fell on deaf ears. We eventually stopped paying. They told us it was bankruptcy on them. We tried and spent countless hours on phones and at the bank to no avail. XXXX XXXX the President of PNC was extremely rude and said what was done is done and no other arrangements will be made. That is when we quit paying per our counsel advice. The bankruptcy was discharged XXXX and life went on. Then 10 years later, XXXX PNC contacted us and stated that our property value had increased and they wanted their money. We were shocked at first, but were willing to work with them and asked about the bankruptcy and they acted like we were ignorant and we were treated horrifically. They wanted us to make installment payments and do a load modification. This went on for 4 months and finally after 4 months they came up with loan specifications and we started to pay them and to be quite honest, we wondered what what going on with all of this. Our new contact person at PNC is XXXX XXXX and her office. These people were rude, condescending and ruthless. We went back to our bankruptcy attorney and he never heard of such a thing. XX/XX/XXXX-XX/XX/XXXX this was on our credit report and discharged in bankruptcy ( although unbeknownst to us, a lien was still on our home ). There is NO record whatsoever of this loan on our credit report. We have to pay {$270.00} a month to them with no statements sent to us after us going to the bank and asking ; calling the bank ; calling their corporate office and going to other branches. They treat us like we are either ignorant or what loan are you talking about. We pay this loan with a check every month and an EXPIRED Visa credit card with the account number on it and when we go to the bank, the tellers look at us like we have no clue. We have volumes of paperwork regarding this whole situation and all of the people we have spoken to. We are trying to modify our loan with XXXX XXXX XXXX and they have tried to contact PNC regarding what is going on with the loan and they will not give them any information. I offered to PNC to sign a release to XXXX XXXX and they refuse. We can not move forward with XXXX XXXX as PNC has first lien on our property and they WILL NOT cooperate with us or anyone about this past indebtness. We have always tried to to the right thing, but this is impossible and we are paying PNC money and why and what is going on? We feel that they are doing something that may not be legal against us. We have all the contact information about PNC and also the people we are trying to work with at XXXX XXXX XXXX. Would you please look into this? We have spent years trying to figure this out and to no avail. | ||||||
| 04/24/2015 | Yes |
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| I am a Customer of PNC Bank Corporation of XXXX, PA conducting business at my local branch in XXXX XXXX, PA I received a " Text Alert '' on Sunday XXXX/XXXX/2015 at XXXX that my Balance in my Primary Checking Account went from {$520.00} to {$190.00} a reduction of & lt ; - {$320.00} & gt ; While the only " Authorized Transaction '' was a XXXX at {$3.00} Leaving an Unknown/Unapproved {$320.00} gap? I went into the Branch location on Monday XXXX/XXXX/2015 and presented this information to XXXX XXXX in Customer Service who promptly " Disputed the Payment '' asked for my Debit Card & destroyed it and returned my Account to it 's original Amount of {$520.00} I returned home and contacted and called my Utility Company XXXX for whom the money was " earmarked '' for & made a Payment of {$490.00} by " E Check '' and received a Confirmation number to avoid Suspension of Service or Deposit Requirements. Around XXXX Monday XXXX/XXXX/2015 I received another " Text Alert '' from PNC Bank advising that my Primary Checking Account had been restored to the original {$520.00}. At XXXX on Tuesday XXXX/XXXX/2015 I received another " Text Alert '' indicating my Primary Checking Account was " Overdrawn '' then at XXXX on XXXX/XXXX/2015 I received another " Text Alert '' informing me that the {$490.00} " E Check '' XXXX was deducted from my Primary Checking ( An hour and a half after I received the " Over Draft Notice '' At XXXX XXXX/XXXX/2015 I received a " Text Message '' from PNC Bank " Escalation Dept '' XXXX XXXX in reference XXXX XXXX regarding my dispute. At XXXX that same morning I called the number back only to learn XXXX was not in until XXXX So I called back and spoke with XXXX XXXX and explained that an " Unauthorized Transaction '' had occurred on my Primary Checking Account in the amount of {$320.00} drawn by " XXXX '' I further explained that I had no Pre-Authorized/Auto Pay Accounts attached to my Primary Checking Account including My Auto Loan, IRS XXXX XXXX XXXX nor any of my Utilities. No one was supposed to have " Untethered Access '' to my funds. The conversation was going no where so I returned to the bank and met with XXXX XXXX and her Supervisor XXXX XXXX XXXX Branch Manager ). I again advised them both that an " Unauthorized Transaction in the amount of {$320.00} '' had occurred on my Primary Checking Account. On XXXX/XXXX/2015 I drafted and delivered to the Branch Location to XXXX XXXX and XXXX XXXX ( Branch Manager ) a letter demanding funds be restored to my Account as the transaction was " Unauthorized '' A copy was sent to XXXX XXXX General Counsel for PNC Bank XXXX. As a bank customer I had to research FDIC Regulations ELECTRONIC FUND TRANSFER ACT : '' which provides Consumer Protection for ALL Transactions using a debit card or electronic means to debit or Credit an Account. It also limits consumer 's liability for unauthorized electronic fund transfers. XXXX " XXXX XXXX XXXX XXXX XXXX '' Sec. XXXX Negative Option Marketing on the Internet " It shall be unlawful for any person to attempt to charge any consumer for any goods or services sold in a transaction effected on the Internet through a negative option feature ( As defined in the Federal trade Commission 's Telemarketing Sales Rule in part XXXX of title XXXX, Code of Federal regulations ), unless the person ( 2 ) obtains a consumers express informed consent before charging the consumers credit card, debit card, bank account or other financial account for products or services through such a transaction | ||||||
| 09/06/2023 | Yes |
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| I bought a complaint against PNC I believe on XX/XX/XXXX concerning my account that had been hacked XXXX and XXXX up to {$10000.00} that have been stolen out of my account the cup the bank gave me XXXX {$50.00} worth of credit for the funds that was stolen out of my account and the following week they reversed the credit and charge me {$1200.00} to pay them back. I requested over and over again at least six times for their proof of evidence that they came up with that proves that there was no error done on my account. As of today I have not received. instead of PSC do it a full investigation as to what happened to my account they made a decision to close my account without even informing me therefore charges that were made one that accounts will not be able to be refunded through XXXX its because the account is closed also they did XXXX every single claim I thought that I submitted without proof of one of their evidence that shows its theres no ever which theres no proof that could be what this isnt any proof that could be produced they just denied all of my claims and close the account which I believe is illegal you i in and trust the bank to manage your money and protected PNC Oz me about {$10000.00} worth of funds based on monies that have been taken out of my account illegally by the bank and buy a person who I have no idea who has been able to access my account and get mailed debit cards in my name this has happened twice. I was unaware of a debit card that happened in my name. I said XXXX until I request a big statement from PNC because they stop sending me bank statements as of XX/XX/2023 therefore I had no idea what was transpiring into my account until my account got overdrawn. PNC Bank made a decision to close this account and the night every claimed that I submit it without doing a thorough investigation and also without sending me the proof of their claim of no error this is illegal and try just need to be filed against PNC Bank they all me about {$10000.00} and some of their employees have live shot money out of my account without me authorizing it particularly the XXXX branch they submitted a withdrawal of {$44000.00} out of my account that I did not authorize I would like the PNC to be brought up on charges A PNC customer service representative told me that there is no documentation that they were able to come up with concerning XXXX. The charges that were sent to my account that they made a decision on me calling and filing a claim that was what they made a decision on which is a form of discrimination, which is a form of illegal transaction concerning the bank and their promise to protect the customers funds. I have no idea how a decision could be made based on me calling and telling them that this transaction was not mine that is absolutely no way a decision could be made based on that this is the information that I was given and then I recorded also PC allow someone to make ATM withdrawal within one day of {$1200.00}. My ATM withdrawal limit is only XXXX. I have never been able to make the ATM withdrawal of {$500.00} myself that was an ATM withdrawal of {$600.00} on one day I have never been able to make an ATM withdrawal of {$600.00} this year is I believe is internal or computer I would like my money back I sold my house and this is funds from the selling of my house. I want every XXXX of XXXX is the old me back and I want them to I want charges to be found against them for illegally closing an account without first settling all claims with. | ||||||
| 10/20/2022 | Yes |
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| On Monday XX/XX/XXXX my purse and wallet were stolen from my locked vehicle. My driver 's license and PNC debit card were in my wallet at the time of the theft. I immediately reported my card stolen on through PNC 's banking app and filed a report with the police. Per the police, they advised to have the bank flag the card so if someone tried to use the card at a retailer, the retailer would know to contact local law enforcement. Once the call center opened, I contact PNC and confirmed they received my online notification indicating the card was stolen as well as to relay what the police advised. I was told by the bank, this was not possible since it was now locked due to the theft, nothing would come to the bank if it was used. I also went into a local branch to have a new debit card reissue and the associate there confirmed it was listed as stolen in our account. On Tuesday XX/XX/XXXX at XXXX someone entered the PNC branch at XXXX XXXX XXXX in XXXX VA and used my stolen license and the PNC debit card that was just reported stolen the day before to gain access to my account. The person deposited a fraudulent check and then withdrew my full account balance of {$4600.00} without raising a single red flag. There was no text alert regarding suspicious activity, NOTHING. We found out about the transaction when my husband 's debit card was declined, and I checked our account. I immediately contacted the bank and put a 30 day hold on my account. I started asking about having the money refunded which is where the runaround began. I was bounced from department to department where I had to explain everything from the beginning each time. I was told an investigation would be opened. I was able to reach out to the manager of the bank where the transactions occurred who advised she had opened an investigation with loss prevention but could not explain how something like this could have happened. The contact I was given for loss prevention was XXXX XXXX but was only provided an email as the phone number could not be released. I have sent 2 emails to XXXX XXXX with no response. I found out on the morning of the XX/XX/XXXX, the only dispute opened by the branch was for the fraudulent deposit. NOTHING has been opened or attempted for the withdrawal, which is my primary concern. I have been without access to any money since XX/XX/XXXX, it is now XX/XX/XXXX with no resolution in sight. I was able to open a dispute myself the morning of XX/XX/XXXX for the withdrawal and it was escalated to Retail Support. My husband and I both have left messages with a XXXX XXXX from retail support who is supposedly handling the dispute as of XX/XX/XXXX but none of our phone calls or emails have been returned at this point. We are in this position at the sole negligence of PNC Bank. How can a debit card which was reported stolen barely XXXX hours earlier be used to withdraw an entire account balance without raising a single red flag? How can a bank who allowed this to happen, not show more urgency in resolving the issue and reimbursing the money. We have filed police reports with law enforcement in both the jurisdiction where the theft occurred as well as where the bank transaction occurred. I have done as much as I can do independently to resolve this issue. I'm hoping by filing complaints it can help move the process along and get my money returned. I will NEVER do any kind of business with PNC bank again. All of their actions so far have been to protect themselves, not the consumer. | ||||||
| 11/07/2022 | Yes |
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| I am complaining about my direct deposit funds being accidently deposited into another customers account and PNC Bank will not return to me. My employer deposited {$220.00} of my bi-weekly paycheck into BBVA Bank via direct deposit. In XXXX PNC Bank bought BBVA Bank and customers were advised that on XX/XX/XXXX, BBVA accounts would be transitioned to PNC accounts. We were assigned new account numbers and routing number. The last account statement I received from BBVA was XX/XX/XXXX and showed I had a {$27000.00} balance. I updated my direct deposit information with my employer. However, during my update, I unknowingly put in an incorrect number. The correct account number was XXXX. I accidently typed in XXXX. I received no bank statements from PNC Bank for XXXX or XX/XX/XXXX. Meanwhile my money was being deposited, I thought. When I received the XX/XX/XXXX statement, I noticed that my bank balance was still {$27000.00}, but should have been {$29000.00} ( {$1500.00} more ). On XX/XX/XXXX, I went to PNC Bank and spoke to XXXX XXXX who stated that there was no evidence of the 7 fund transfers being sent from my employer. I called my employers HR Department and was told that the funds were sent and did not bounce back. I went back to the bank on XX/XX/XXXX, and after his further research, was told by XXXX XXXX that I had left 2 numbers out on my end on my direct deposit form at work and the funds were sent to a non-existent account but were rejected and sent back to my employer. Once again, I called my employer and was told the funds had not been rejected. On XX/XX/XXXX, I went to PNC Bank and spoke to XXXX and she said she had to speak to XXXX tomorrow. XXXX called me on XX/XX/XXXX, and said the bank can not provide proof of anything, such as fund going to wrong account or correct account or bouncing back and that she was escalating my issue to upper management. On XX/XX/XXXX, I received a call from XXXX with PNC Bank and that she was calling on behalf of XXXX XXXX, my case worker and XXXX would be calling me in the next few days. On XX/XX/XXXX, XXXX called me and said they found my funds in another account and will work on getting the funds moved into my account, that it will take a few days and she will call when it is complete. On XX/XX/XXXX, XXXX called and said they were trying to figure out how to transfer the funds back to my account. I spoke to XXXX on XX/XX/XXXX, and she said the same thing as on XX/XX/XXXX. On XX/XX/XXXX, XXXX called and said they can not transfer funds and that my employer will have to recall the funds. From XX/XX/XXXX to XX/XX/XXXX I worked with my employer on how to recall the finds and was eventually told that funds have to be recalled within 5 days of deposit and there was nothing they could do. On XX/XX/XXXX, I filed a report with the XXXX Police Department. On XX/XX/XXXX, XXXX XXXX called me and said they would issue a search warrant and gave me a report number. XXXX XXXX asked me to call PNC Bank, give them the police report number and ask them to escalate. On XX/XX/XXXX, I called PNC Bank Customer Service and spoke to XXXX and gave him the police report number. On XX/XX/XXXX, I called XXXX XXXX for a status. He said a search warrant was issued and they are waiting on a response from PNC Bank and if the bank does not respond there is nothing more they can do. I closed my account with PNC bank on XX/XX/XXXX, as it seemed like I had run out of options. I am now filing this complaint for help in getting my funds returned. | ||||||
| 01/15/2022 | Yes |
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| Madam or Sir, I have a Non-Interest bearing Checking account with PNC Bank in the Washington DC XXXX XXXX, since XXXX or XXXX ( for many years ). I am a small business person significantly challenged in the Covid economic paradigm. From time to time, my checking account funds drop below my bank 's enforced thresholds... XXXX. Recently in the last week of XXXX around the XXXX, I was charged with Overdraft protection fee of {$36.00} because an ACH payment due to a service provider hit my account less than a day before I could deposit a check that would have more than covered it. I had already incurred one Overdraft n XXXX, which fee of {$36.00} was later waived in keeping with PNC 's policy to credit back the first Overdraft occurence during a calendar year. I am grateful to PNC for this. I called PNC customer service to request a partial credit back even of that {$36.00} charged to me in late XXXX. Had spoken with XXXX. She said in keeping with Corporate Policy, Covid related financial hardship notwithstanding, there could be No credit back - not {$10.00} or {$5.00} even of the Overdraft fee of {$36.00} as it was my second instance in XXXX. I accepted that. 2. Then around XX/XX/XXXX a few days ago, a service fee of {$7.00} was charged to this same Non-Interest Checking account of mine - Because my Average Monthly Balance in that statement period ended XX/XX/XXXX fell below the mandated {$500.00} level. I spoke with XXXX, another customer service representative an hour ago. He was sympathetic of my financial diificulties but expressed his inability to waive it himself. He tried through the system but the system would not let him ... PNC corporate policy. In normal times I do not grudge PNC its right to charge certain fees, since it is known to me beforehand as an account holder. But we know what has happened to real small business since the Spring of XXXX ... Loss upon loss. Furthermore, I specifically keep a NON-INTEREST bearing Checking account, such that when I have had several thousands of dollars in the account for a month or more even, I have never earned any interest. - Hence in return, is it not fair and reasonable to Not have to be charged a {$7.00} service fee during these Inflationary times on top of on-going Covid disruption, in a checking account where I am paid No interest at all regardless of how much money I might have at any time in that checking account? It would be nice if PNC could show decency and be willing to help its account holders in these times by waiving such " Low Account Balance Service Fees '' in its non-interest bearing checking accounts. For the CFPB : How about new legislation that will prohibit Banks from levying a " low account balance service fee '' upon checking accounts that earn No interest to begin with? Sure, I signed a contract with PNC when I opened this checking account. But who signed up for Economic Shutdown?! If the government imposed that upon us for the first time ever then surely parallel legislation should preclude Usorious fees of all kinds from being levied upon those who are already needing to save every US dollar. The longer term solution for me and perhaps others in my situation could be to open similar Checking accounts with a Credit Union where there are No low balance fees increasingly anymore, and where Overdraft protection can be paid via an interest rate per annum more like a line of credit rather than a fixed fee approaching {$50.00}. Thank you for reviewing. Sincerely Yours. | ||||||
| 08/31/2021 | Yes |
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| On XX/XX/2021 i paid two {$2000.00} charges with my pnc card to a contractor. ( {$4000.00} total ) This was for repairs and supplies for a home repair. The contractor turned out to be a scammer and disappeared with the money and didn't provide the items paid for nor any services. He did the same to numerous other people in my town. I filed a police report and there is even a news report about him. In XXXX, I filed for a chargeback with PNC on once it turned out that the contractor was not going to render any services. I was out of town when the letter for more information were sent and the case was closed. I refiled it in XXXX and sent all the information into PNC for the chargeback. I provided text messages, the police report, XXXX reviews from other ppl that were scammed, the attorney general complaint, etc. I was advised by XXXX ( the pay portal ) to contact my bank for the chargeback to be complete and they will process it and the contractor will have the chargeback on his account. I was advised however that since they are only the portal they can not process the chargeback but with all the evidence i had collected my bank ( PNC ) should not have any issues doing a chargeback. After filing the complaint in XXXX and calling numerous times for updates or to see if any additional evidence was needed, i was told each time that i can not talk to the direct department and i need to wait 90 days and that they would contact me if they needed anything else. after 88 days i received a letter that they don't find it to be fraudulent. In the middle of XXXX, after making a complaint on their XXXX page i was contact by a banker and told that though the letter said the case was closed, it actually is not and they are still having another process that takes 30 days where they demand proof from the other bank that the services and goods were provided. otherwise they can process the chargeback. I posted again on their XXXX page this last weekend about their lack of customer service and the blatant lies being told ( the case is closed but once i made a complaint it suddenly was not ). Today i received a new call again from another banker and was told that they closed the case because of the time frame. I submitted all the ppw in XXXX and was never contacted for anything else and it took them 88 days to say it was because of the pay portal square. Now its something else again. He advised me he would have to refile the complaints again and reopen it and i have to wait another 90 days ( if there is a time constraint 90 days won't help the matter either ). When i questioned him about the information i was given two weeks ago and what the letter said, the banker got extremely rude on the phone and claimed he didn't know what i was talking about and my choices are to refile it again and its probably going to be denied again or i can do nothing. I paid with my bank card for protection purposes and i provided all of the evidence to the bank that this was a fraudulent transaction because the contractor scammed numerous people. yet my own bank refuses to do a chargeback and made me wait almost 90 days to claim a time restraint. then i was told two separate stories but yet my bank offers no protection to me as a customer and the fraud department working on this case, blatantly refuses to ever get on the phone to discuss anything. The bankers that called know nothing about the case either and they keep changing the reasons and requirements every time i call or make a complaint | ||||||
| 03/22/2016 | Yes |
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| I am writing in regards to how unfair and poorly my case has been handled with PNC Mortgage Company. I 've been going back and forth with this company to come up with a solution and be able to keep my home. I have done everything on my end to provide them with documents, letters of explanation, and income disclosures so we can come to an agreement. Every time I sent the required documents they came back with another road block. I have records of all the letters from my end and their responses. They seemed to be helpful at times, but only to hold time until they have a new obstacle to present. The reason I fell behind is because I got laid off from XXXX XXXX and I had been working there since XXXX of XXXX. To top it off I also lost my XXXX investment properties. I attended a XXXX convention to get help and try to keep my home. XXXX helped by creating a budget for me to follow and the only debt that I currently now have is to PNC. PNC Mortgage has stated various excuses as to why I do n't qualify for a modification. XXXX of them being that I was not living in this property and it was n't my primary residence. All the times I have applied they 've denied me for ridiculous reasons. Some reasons have been due to high income, then low income, and then because they had switched investors when they really had n't. They also stated they close my review because the investor did n't give them an answer in a timely manner. I was livid because that was not under my control. Even with all these excuses and I continued to provide financial statements, letters of explanations, and persistently calling to get updates. Even with all my efforts they continued to give me the runaround and kept putting my home in auction sale dates. They persistently kept stating that my only option was to sign short sale documents or deed in lieu saying that if I signed they would cancel the sale date. Instead I decided to challenge them. They finally stopped the sale date and requested that I re summit again. This time I got denied stating I was deficit, and they could not verify that it was my primary residence. The most recent denial was due to not reaffirming Chapter XXXX Bankruptcy. I hired an attorney to file Chapter XXXX and payed PNC monthly payments. After they were happily receiving my payments they came back stating that I was unemployed during the time I summited the application. At that time I had already started working with XXXX XXXX company once again as of XXXX of XXXX. PNC wrongfully chose to used my unemployment income instead of my active income. I have all proof of all documents that were sent over and the list of names of all the customer representatives I 've talked to. Not only are they lying, but also giving me a hard time every time I call. Their tone towards me and the rudeness is completely un-call for since I want nothing but to work with them. Please, I need your help I understand you do n't help people with the modification process but if you can investigate their malpractices. I do n't know if I am the only XXXX having issues with this company, but I believe I deserve a fair evaluation. Their business practices are sketchy and in my case making it impossible and denying me for ridiculous reasons. I will provide all proof of documents. The only thing I want is to continue to live in my home and continue to provide for my family. We were going through a difficult time and I believe I deserve a fair evaluation. I thank you in advance for all your help. | ||||||
| 04/19/2023 | Yes |
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| I have attempted to resolve this fraud dispute due to identity theft on several occasions, I filed a complaint with the FTC and a police report which I will be attaching. The police report has the suspect information along with arrest information that I will be attaching to this complaint as well. I was contacted by an attorneys office via email on XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX XXXX offering me settlement options for and account that has already been flagged as fraud. I proceeded to call the phone number provided in the email which is ( XXXX ) XXXX and I spoke with XXXX on XX/XX/XXXX I informed her that this account was opened fraudulently and that there has been several disputes and a police report was already filed, she informed me that I needed to fill out a fraud affidavit and send the police report along with the case number for the ID theft, which I agreed to do. she informed me that she would put a request in for the fraud affidavit to be mailed out. I called back aprox 1 week latter to follow up with the fraud affidavit because I have yet to receive it and time is of the essence. I spoke with XXXX on XX/XX/XXXX and he informed me that he sees in the notes that the fraud affidavit was sent out on XX/XX/XXXX which is 7 days from the date it was requested, He also informed me during that call that the law office of XXXX XXXX XXXX couldn't remove and negative information from reporting as a result of ID theft even after they receive the fraud affidavit and police report and that I would have to contact his client directly which is XXXX XXXX XXXX XXXX and provided me with a phone number. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX and after identifying myself they informed me that I needed to speak to another dept named XXXX XXXX which is handling the account and proceeded to transfer the call. I then requested to speak with a supervisor and ended up speaking with XXXX on XX/XX/XXXX and she informed me that her office acquired the account mid XX/XX/XXXX. ( Be mindful that I filed a dispute with XXXX early XX/XX/XXXX and sent a copy of the police report along with the FTC complaint ). XXXX also informed me that she did receive my police report and that her office is investigating the fraud, during that time she also informed me that XXXX XXXX has no control of the XXXX XXXX XXXX account reporting on my credit and that I need to contact XXXX XXXX XXXX XXXX to remove the account. I hung up and called back, and spoke with XXXX XXXX at XXXX XXXX XXXX, she informed me that they received the dispute XX/XX/XXXX and the investigation results was denied on XX/XX/XXXX because there was a payment made on the account, and after her looking into the account further she mentioned that : " it didn't make any sense because there was a payment made on XX/XX/XXXX for {$100.00} but the payment that was made was an auto payment from customer rewards '' She also informed me that my police report was received. today is XXXX/XXXX/XXXX and I still haven't received the supposedly required affidavit to complete the investigation and relieve me from this fraudulent debt. The file No. for the XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action. | ||||||
| 08/12/2021 | Yes |
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| On XX/XX/XXXX ( Friday ) at approximately XXXX I made a withdraw from my account for {$200.00}. I asked for one dollar ( {$1.00} ) bills in 2 stacks of {$100.00} each. The teller informed me that they usually don't have fresh new ones until XXXX time because people use them as gifts. However, she found 1 stack in the back and gave me another stack that was not new bills. On XX/XX/XXXX ( Monday ), undenounced to me, and without my knowledge, I was given a credit to my account for {$200.00} from BBVA. It was labeled " Adjustment XXXX ''. I was unaware of the credit due to my paycheck that is automatically deposited into that same account on the XXXX of every month. On XX/XX/XXXX I was charged {$32.00} overdraft fee for insufficient funds on a " Returned Item {$200.00} check cleared ''. I was also unaware of this transaction/charge. On XX/XX/XXXX there was a " Force Paid Debit '' on my account for - {$200.00} and my account immediately became overdrawn. It appears that the teller signed a " Debit Memo '' and, without my knowledge or consent, withdrew {$200.00} from my account almost 2 weeks after the original initial deposit was made at the branch. I was extremely upset to see my account overdrawn! I reviewed my account history, contacted BBVA Customer Service, and requested that the {$32.00} overdraft fee be removed and an investigation as to why my deposit was refunded and then debited again 2 weeks later occurred. The customer service representative said she was able to remove the {$32.00} fee, but was unable to assist me with anything else. She advised me that I would need to contact the branch for further information on what could be done about the {$200.00} withdraw, credit and debit. I contacted the branch and the teller informed me that there was an error with the initial deposit of {$200.00} so they had to credit my account {$200.00} to fix the problem, and then had to remove it again. My problem, and the issue that i have with all of this, is that I was never informed there was an issue with the original withdraw ... and i was never informed that there was going to be a {$200.00} credit, nor was I informed there was going to be another withdraw of {$200.00} 2 weeks after the original withdraw! I never signed the deposit slip on XX/XX/XXXX and was never informed about it and its very upsetting that a bank can do these kinds of things without a customers consent. I would like to formally file a complaint and ask that this series of events be investigated to see if any laws were violated. Most of the reason behind this complaint is the surprise of the withdraw, the credit and the debit ALMOST 2 WEEKS LATER but also because when I asked for an explanation of why the branch did this, the teller was extremely rude and basically told me that it was my fault for spending the money in my account that wasnt mine, when in fact the bank is the one that screwed up my banking ledger and deposited and withdrew funds and their leisure without any regard for the consequences of their actions. My paycheck varies each pay period and due to president Biden issuing tax credits of {$500.00} per household I am not used to receiving a set amount in my auto deposits. The resolution I am seeking is that BBVA be pursued for violated of any state of federal laws and cited for the actions so this time of behavior does not happen in the future to myself or any other customers. Please let me know if there is any other information you require. Thank you for your help. | ||||||
| 11/29/2016 | Yes |
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| XX/XX/XXXX Consumer Financial Protection Bureau PNC Mortgage/ PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX, PA XXXX RE : Loan # XXXX and Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX We spent 3 1/2 months dealing with PNC Bank over what should have been a simple refinance. I have never experienced such terrible customer service or lack of knowledge from a bank regarding mortgages. Multiple times documents had to be resent after the loan officer misplaced them, weeks at a time went by without any contact with us, and every time I contacted them they had screwed up some important information and were clueless on any details. After 3 1/2 months of them wasting our time they never even called to say they were not able to refinance our home. I received a denial letter in the mail with a generic reason - Credit Application Incomplete. Let 's review what happen with loan # XXXX - I applied for a HARP STREAMLINE REFINANCE which required no appraisal, income or assets documentation. PNC stated I need to pay {$500.00} for an appraisal report. I contacted HARP and they stated under a HARP STREAMLINE REFINANCE no appraisal is needed due to the fact there are no minimum or maximum LTV. I requested PNC MORTGAGE do a desktop appraisal review in order to get a value and was flatly denied. I paid the {$500.00} for the appraisal report and completed the loan application over the phone with the loan officer XXXX. Received denial letter XX/XX/XXXX in the mail with generic reason - Credit Application Incomplete. / P.S. - Loan application was fully completed!!!!!!!!!! Let 's review what happen with Loan # XXXX - My wife XXXX XXXX applied for a 30 yr. Fixed Rate Conventional Refinance. She provided the following documentation - Pay stubs covering 30 days, XX/XX/XXXX-XX/XX/XXXX XXXX, 3 months bank statements, Homeowner Insurance XXXX Page, Current Property Tax Statements and verification of mortgage history with no lates in the last 10yrs. Also cancel Checks to show proof that she has been making the payment for the last 3 years. PLEASE NOTE : My wife credit score is XXXX with no debts. She has an annual income of {$81000.00} dollars. Additional {$400000.00} in various accounts. My wife have been on title for 6 months, per XXXX GUIDELINES STATES - Borrower has to be on title at least 6 months prior to the new note date. PNC MORTGAGE guidelines states borrower has to be on title for at least 12 months. I requested that I be added to the loan to satisfy that requirement, since I been on title for the last 16 years. It is important to note here that PNC ALREADY OWNED our loan for several years. XXXX XXXX, Officer of Executive Client Relations denied my request to be added to the loan. Received denial letter XX/XX/XXXX in the mail with generic reason - We do not grant credit to any applicant on the terms and conditions you have requested. This is blatant disregard to my rights as a consumer. XXXX Fraud is represented here and this company should be investigated for stealing people money ( {$500.00} appraisal report & {$25.00} credit report ) by deliberat misrepresentation. Loan details - LTV 70 % Debt to Income Ratios XXXX = Very Good Loan While homeowners are in desperate need of help via a loan refinance. PNC MORTGAGE/PNC BANK contributed to these delays through practice that included : a ) Misplacing or losing borrower 's documents b ) Failing to inform borrower 's when additional information is required | ||||||
| 09/08/2023 | Yes |
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| Discrimination complaint. I am a non-white female. On XX/XX/2023 I deposited a check for {$100000.00} written to me by a patient I work for who is also a family friend. The tellers at PNC in XXXX XXXX XXXX advised me not to hold onto a check this large and advised me to deposit it into my pnc personal checking account. My funds were in my account within the 2 business day hold. On XX/XX/2023 I noticed my personal account balance at {$0.00}. I called and spoke to 3 different PNC representatives ( XXXX, XXXX, and XXXX XXXX who advised me that my account is on hold since XX/XX/2023 pending an active investigation related to the XX/XX/2023 deposit of $ XXXX XXXX XXXX XXXX, and XXXX XXXX have also confirmed via the phone with me regarding this hold due to an investigation. It was not until XXXX XXXX at the XXXX, VA branch who admitted to me on video that I am the one being accused of the fraud. She treated me as if I was the criminal and stated once this investigation is over, PNC will immediately terminate my banking relationship after I advised XXXX XXXX to close my accounts. XXXX XXXX said that I was the one who fraudulently produced the check. I had to call my contacts and XXXX bank and let the XXXX bankers speak and thats when XXXX XXXX stated the words indemnification. XXXX looked into the situation more on their end and said theyve done everything they can on their end and will need PNC to advise how to clear this matter up. Whats mind blowing to me is that this check processed with the verification and the endorser was called and she verified the check on XX/XX/2023. Why would the check be held with no basis on XX/XX/2023. Additionally, a white female employee deposited her check written for a large amount by the same endorser and issuer ( Truist bank ) into her personal PNC checking account prior to my XX/XX/2023 deposit. This white female has had ZERO issues with her check deposit. Ive been dealing with PNC holding my funds on both my personal and business accounts pending an active investigation. On XX/XX/2023, I received a call from XXXX ( PNC executive ) responding to my initial CFPB complaint. I called her back immediately and wrote her an email. More than a week later Ive yet to get a call back from her. On XX/XX/2023 another PNC XXXX named XXXX called me and asked me to tell her whats going on. I immediately told her that she should be the one telling me whats going on with my accounts and funds. I explained my entire situation extending from XX/XX/2023. XXXX advised me that she will be calling me next week. Since it was XX/XX/2023 I decided to call XXXX for an update. XXXX proceeded to admit that she has reach out to some managers and shes yet to get a response from them since Friday. I honestly feel PNC is discriminating against me. I have some additional proofs and instances that I will be releasing when PNC takes my complaints seriously. PNC has had no basis or evidence to choose to hold my funds from my account. Ive been advised my XXXX XXXX that XXXX has verified not once but twice already with PNC that the funds are solid and PNC refuses to accept that the money belongs to me- a non-white female. PNC not returning my calls and messages Ive been sending is a red flag. Theyve left me with {$0.00} in my name. Theyve shut my business down and left me with {$0.00}. Not only doing this has ruined my life but theyve completely ignored my calls and complaints all on the basis that Im not white and important enough. | ||||||
| 10/25/2021 | Yes |
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| My mortgage loan was transferred ( not by my request ) to PNC Bank XXXX of XXXX ; not sure of exact date. XXXX - called PNC and requested payoff amount ; they indicated they can fax ( I don't have a fax ) or mail ; can not be done online. [ [ [ daily interest accumulating ] ] ] XX/XX/XXXX - still nothing in the mail ; I have a locked mailbox so it could not have been stolen from the mailbox. I called PNC again to request a payoff amount again. They will mail. [ [ [ daily interest accumulating ] ] ] XX/XX/XXXX or XX/XX/XXXX - received payoff information in the mail ; option to wire or mail in cashier 's check. I wanted to mail cashier 's check ; instructions were not clear and no form to fill out ; there were two addresses on top of of where to send to. XX/XX/XXXX - went to my bank and requested/paid for a cashier 's check ( {$5.00} ). I added my name and my PNC account number on the check even though directions did not state to do this. Check was for just under {$50000.00}. I went to USPS to send and clerk witnessed me putting into envelope the PNC payoff letter and check. Sealed it, and paid for it be to sent to PNC ; received USPS tracking number. [ [ [ daily interest accumulating ] ] ] [ [ [ next payment is due XX/XX/XXXX on mortgage to PNC ] ] ] XXXX - USPS tracking identifies PNC signed for item. XXXX - monitoring PNC account online ; no full-payment posting to account. XXXX - multiple calls to : - PNC asking XXXX found check, sharing info ( XXXX 's check #, what was put on Cashier 's check, USPS tracking info ) ; still can not find check. - my bank to find out if Cashier 's check is cashed - PNC finally escalates. [ [ [ daily interest accumulating, now late on a payment, daily increasing anxiety due to lost check with high amount ] ] ] XX/XX/XXXX talk with person at PNC who it was escalated to ( provide information again ) who recommends paying overdue XXXX payment. He noted ( phone call was recorded ) that addresses on top were incorrect, has happened before. Will resend a new payoff letter and requested I stop payment on the cashier 's check sent to them and wire instead. Per my bank, I can not stop payment on cashier 's check until 30 days after it was issued ). [ [ [ daily interest accumulating, had to make overdue payment which is technically an additional payment from my perspective, because I've already had the full payoff amount deducted from my account by my bank ) daily increasing anxiety due to lost check with high amount ] ] ] XX/XX/XXXX - I will be going into my bank to stop payment on cashier 's check ( {$30.00} fee ), and then to wire the payment ( {$25.00} ) per direction from PNC and hoping it goes through correctly. The processes above ( payoffs, mailings, accepting payments via mail ) are key to their core competencies, not sure how they can be so ineffective and inefficient. I have to pay additional {$30.00} + {$25.00} ( stop payment/wire fee ) to pay off the loan and will be asking for reimbursement from them for these two amounts totaling {$55.00}. I feel I have paid approximately {$220.00} in interest I should not have had to pay ( {$4.00} per day, about 45 days ) if they would've sent out the payoff amount on XXXX as originally requested, had the correct address on their form to send payoff amount to ( I would've sent it in the following week for receipt by PNC by XX/XX/XXXX ). I wonder if they do this intentionally so they can collect additional interest dollars from their customers. | ||||||
| 07/19/2021 | Yes |
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| We received a PNC flyer about a promotion to open a new business checking account.. We went to the local branch, gave them a copy of the flyer, and opened an account on XX/XX/2021. We made the required deposit, and maintained the balance for the required 3 statement cylces to obtain the credit. The terms on the flier said this was all that had to be done to receive the {$500.00} credit, it should have hit the account around XX/XX/2021. We contacted XXXX XXXX at the Beginning of XXXX to see when we could expect the credit. XXXX contacted the department after numerous calls, she said we did not meet the terms of the offer. I emailed XXXX the flyer we brought in with us when we opened the account, showing the details of the offer. She said we did not bring in the flyer when we opened the account, and that we opened the incorrect type of account. We went into the PNC branch with the flyer in order to take advantage of the offer and incentive. We had the flyer with us, the owner and myself can attest to that, despite what XXXX recollects. She told us we signed up for a business checking account that required a {$5000.00} deposit and 20 debit card transaction to get a {$200.00} incentive. Our intent and recollection is we were opening a the account that required a {$30000.00} deposit which had to be maintained for 3 statement cycles, which we did, to receive a {$500.00} credit. We had the flyer with us, and deposited {$30000.00} the day we opened the account. If we were looking to open the other type of account we would have deposited the required {$5000.00} instead of {$30000.00}. When I asked about the difference between the Business checking account that we have, and the XXXX XXXX checking we thought we had, XXXX told us that the XXXX account was not being offered any longer, it was an older type of account. I emailed her over the flyer that referenced the XXXX XXXX checking account, and the flyer said these acoounts had to be opened by XX/XX/2021, so they could not have been that old of an account. Today I went to the PNC website and saw the same offer is being offered to open a new XXXX business account, maintain the {$30000.00} balance, and receive a {$500.00} credit, so the account is still being offered. I spoke again with XXXX, who now says the account is not no longer offered, but usually not offered at the branch level, that they are told to open other types of business checking accounts? She states we opened a business checking account, and did not satisfy the 20 debit card transactions in order to receive the {$200.00} credit. Our account is we opened the account for the main purpose to take advantage of the flyer that we had received, and deposited the required {$30000.00} in order to receive the {$500.00} credit after XXXX statements. We would not have deposited {$30000.00}, if only {$5000.00} was required for the other offer. She said there was nothing that could be done as the terms of the account we apparently opened were not met. I believe the wrong type of account was opened for us in XXXX, and now we are being told we did not meet the terms of the offer, instead of admitting the wrong type of account was opened. Two of us met with XXXX, know we had the flyer, and deposited the amount to receive the {$500.00} credit. I would appreciate any help you can offer in getting us the {$500.00} credit we should have been issued in XXXX. Copies of the original flyer, and the current PNC promotion are attached. Thank you | ||||||
| 07/20/2018 | Yes |
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| Back in XX/XX/XXXX I went online to set up my auto payment for my credit card ( a card in which I had to put the money down to get ) I only got the card to build credit and used it for small bills. For some reason my online auto payment did not go through and caused me to be late on my payment. The payment was late for over 30 days and cause my account to become delinquent. The only way I found out about this delinquency was from the alerts on my credit report and seeing that my Scores had dropped over 85 points. PNC never tried to contact me by email, phone, mail, or by text to inform me of the overdue balance in which was only {$52.00} when I had gave them permission to do so when I opened the account. I called XXXX XXXX XXXX explaining to them my situation, letting them know that I thought my account was set up for auto payments and they told me that it wasnt. Stating that i did put all the bank information in as for the account number and route number but the auto payment didnt go through. I explained to them again that I thought it was set up thats why I havent been making my usual manual payments and told them to check my bank account balance just to show them that I had plenty of money in my savings and checking account to make the payments just that I wasnt aware that the card payment wasnt being paid. I then let them know that I had paid off the full balance of the credit card ( secured card ) from my bank account the night before on XX/XX/2018 and that it was still pending. I then as asked them to help me set up the auto payment so this would never happend again. I let them know that I was only using the card for small bills and just had opened my restaurant and wanted to make sure all my small bills were being taken out automatically. They then help me do so and then I told them that they could clearly see that I wasnt trying to not make my payments but thought my account was set up for auto payments but it wasnt. He then told me yes he do understand and could clearly see that the money wasnt the issue but just a mistake on either there end or mines. I then asked him well what about my credit issues l mean this mistake on your end or either mines just made your company report this to the credit agencies and now its on my credit report and causing my scores to drop drastically I mean over 85 points. I then told him how high my score was and what it was now and his words to me was you are still in good standards. I then told him that the reason why Ive been working so hard to build my credit was do to me and my wife was seeking to buy a house soon and he told me well your just above the qualifying score and should be good when I was expecting him to help me resolve the issue. He then told me that there was nothing he could do. After leaving the bank I then called the Credit card services and told them everything I did and asked for a waiver do to I had no late payments for over a year and was in good standing with them. They did put in a request and told me to wait 1-3 business days and to call back to see the outcome. Now my complaint is I feel someone should have at least called, emailed, sent a letter or texted me to let me know my bill was overdue before reporting it to the credit bureau. It took me three years to get my score where it was and this was clearly a mistake and they should take it off my report. The address on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Thank you for your help | ||||||
| 05/04/2023 | Yes |
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| My Husband and I, opened joint checking, savings and high rate saving accounts at PNC Bank on XX/XX/XXXX. I made deposits, direct deposits and ACH transfers to fund my accounts. On XX/XX/XXXX my husband deposited three checks into our joint savings account. The checks were from XXXX XXXX XXXX and were drawn on XXXXXXXX XXXX out of New York. The amount of the checks were {$12000.00} ; {$390.00} and {$51.00}. After 7 business days the funds were still suspended ( on hold ) in our account. That day, I received a letter dated XX/XX/XXXX and post marked XX/XX/XXXX, received XX/XX/XXXX, that said the funds were on hold and also said that the funds usually would be available after 5 business days. As that was more than 5 business days, I called PNC Bank and was subjected to horrible customer service and the PNC rep hung up on me. I called back and requested a Manager and was told that it is PNC policy for the rep to resolve issues and not bother Managers. I demanded a Manager and was transfer to " XXXX. '' I explained to XXXX that I feel PNC is treating us badly because we are a XXXX XXXX XXXX When I told the prior rep that my husband had made the deposit, her entire demeanor changed. XXXX was very professional and put me on hold and investigated. He returned and told me that the funds were on hold as the checks needed to be verified. I asked what that involved and how long that takes? He said he is not sure, but I could call the loss mitigation department and they might be able to assist me. XXXX also told me that he could escalate my complaint to the Executive Customer Relations Team and would do so. Today I was in my local PNC Branch with my husband. We spoke with XXXX XXXX at the XXXX XXXXXXXX XXXX XXXXXXXX. XXXX attempted to help but said that all of the departments that can help close at XXXX XXXX XXXX as they are located in the Eastern USA. I said you mean they have 60+ branches in California and no support services after XXXX- WOW! XXXX said that she would follow up in morning and call me as soon as she connected with her support team back east. XXXX provided excellent service with the very limited tools PNC has available to California customers. XXXX also told me that she had learned that the hold had been extended to XXXX! Yes she confirmed the hold is now more than 3 years! I said, but I called XXXX and they confirmed with their bank ( Chase ) that the checks had all cleared and were debited from their account. They have requested and are sending me copies of the cancelled checks. XXXX said please let me talk to the Executive Team tomorrow and get the bottom of this. Again, the only explanation is that we are being discriminated on the basis of our sexual orientationXXXX We both have a XXXX score of XXXX. We have no credit card card debt and pay our cards in full each month. We have no bad credit. We have never bounced a check. We both have more that 35 years of work history and earn a combined household income over XXXX per year. I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my husband is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We own our own home and have more than five years perfect payment history on a 20 year 2.5 % mortgage. We have direct deposit of our net pay into a PNC checking account. So obviously the only explanation is that PNC discriminates against XXXX married couples! PNC is hold our money hostage and we request your help. | ||||||
| 07/14/2016 | Yes |
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| I filed a Chapter XXXX Bankruptcy through a paid Bankruptcy Attorney in XXXX ( filed in CA ). All my unsecured credit card and medical bills were included in the BK, but my 1st mortgage with PNC Mortgage was not included and in fact, I continued to pay my house payments as agreed. I never intended to sell my house or go into any foreclosure proceedings because of the Bankruptcy case, which was a direct result of and due to my ongoing medical condition. Around about XXXX, PNC Mortgage stopped sending me a coupon book for making my monthly mortgage payment. I called them to inquire about why I had n't received a coupon book and was told it was because I had filed bankruptcy. I explained to them that this mortgage account WAS NOT included in the Chapter XXXX Bankruptcy, and as they could see I have continued to make my mortgage payments on time and as agreed, AND I plan on keeping my home through the bankruptcy. PNC Mortgage proceeded to tell me that since no reaffirmation agreement was signed that they have to " code '' my account as included in the Bankruptcy case and then, automatically no coupon book is generated by their computer system! PNC advised me to contact my Bankruptcy Attorney who filed the original case to discuss getting a reaffirmation agreement drawn up for my mortgage account. I immediately called my XXXX CA Bk Atty, who told me : he NEVER files Reaffirmation Agreements with mortgage companies my Bk case has already been discharged and he 's NOT going to go back to the Judge to reopen this case for something he does n't normally file anyway! my Atty said to tell PNC Mortgage that they hold the Deed of Trust/Mortgage Note on my home, payments are current, and this account WAS NOT included in the Bankruptcy, therefore NO Reaffirmation Agreement was necessary. I called PNC Mortgage back to discuss what my Atty had said. PNC said that they could n't and would n't change the Bankruptcy status of my Mortgage account and they would not be able to send me a coupon book because of the bankruptcy. Then in late XXXX or early XXXX, I received a copy of my credit report. The report showed my Mortgage with PNC as being a DEROGATORY ACCOUNT and included in the Chapter XXXX Bankruptcy. Subsequent credit reports to date with all reporting Credit Bureaus show the same negative status despite being CURRENT ; NEVER having been even 30 days late! My Mortgage Loan with PNC Mortgage does n't even report a correct status on any credit report. This error in credit reporting by PNC Mortgage and their reluctance to change it and/or fix it has seriously affected my reestablishment of credit, my borrowing ability, and my attempts at refinancing my mortgage while rates are at all time lows. If PNC Mortgage was to correctly report my mortgage payment history, my FICO Score would be greatly improved and increase my chances of refinancing my mortgage to save nearly {$300.00}. Besides, my mortgage was n't included in the BK and I 'm not delinquent, so why should PNC Mortgage be able to report XXXX items that are completely incorrect!?! I beg of you to assist me in getting this issue resolved and reported correctly on all my Reports. My ongoing medical condition limits my ability to work and earn income, so keeping my mortgage current has been a struggle but always my number XXXX priority. Then to have a company like PNC Mortgage haphazardly report incorrect derogatory mortgage information about me is discouraging to say the least!! | ||||||
| 08/18/2017 | Yes |
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| I am writing to submit a complaint against PNC Bank for unfair overdraft fees. First, I will begin by stating that I never officially " opted in '' for PNC cover any overdraft on my account. With this being the case, they should not have paid the charge when posted to my account. On XXXX XXXX, 2017 I left for a 7-day vacation out of the country and was not aware that a charge posted to my account that same day, causing the account to become overdrawn by {$9.00}. It was not until I returned home from vacation late in the evening of XX/XX/XXXX, that I learned that my account had been overdrawn and an overdraft fee of {$36.00} was assessed along with several daily fees of {$7.00} ( per day ). I attempted to contact PNC that very evening, but could not reach a live representative, as their offices were closed. On Saturday, XX/XX/XXXXI again placed a call to explain my extenuating circumstances and request a fee reversal. I was told at that time someone from the Escalation Department would have to get back to me on Monday. I agreed and provided my contact information, despite my concerns of compounding fees over the weekend. I received a return call late in the afternoon on Monday, XX/XX/XXXXwhereby the manager ( insert name ) informed me that the fees could not be reversed. This was abruptly communicated without regard to the fact that I am a long-standing customer of PNC and have my mortgage as well as a checking account through them. After speaking with said manager, I decided to call PNC once more to make another attempt. Surely they could make an exception given the minimal amount the account was overdrawn, outrageous fees now being assessed and the fact that this was a rare occurrence. I was again denied any leniency. On Tuesday, XX/XX/XXXX, I decided to go to my local branch at XXXX XXXX to speak with the Branch Manager ( XXXX XXXX ) to see if there was anything he could do on his end. After spending close to an hour at the branch, XXXX had a banking associate XXXX craft an email to the regional manager to see if something could be done. XXXX assured me that he would get back to me with an update by close of business. I did not hear back from him that day, nor the following ( Wed ). MORE FEES ASSESSED! On the morning of Thursday,XX/XX/XXXX, I placed a follow-up call to speak to XXXX and was told he would not be in the office until XXXX XXXX. I left my phone number along with a request for him to call me back. As it neared XXXX XXXX and I did not receive a return call, I decided to contact the branch once more. Someone answered, I requested to speak to XXXX and was placed on hold for 29 minutes. I hung up and immidiately called the branch back and was again placed on hold. It was during which time that I coincidentally received an email from XXXX. XXXX then answers the phone and apologizes. After voicing my frustrations, XXXX assures me that he would place a follow-up with the regional manager and get back to me on Friday, XX/XX/XXXX. I sit writing this letter and it is XXXX XXXX ( EDT ) and I have yet to hear from XXXX. The branch closes at what I believe to be XXXX XXXX. So now an entire week has passed, all the while I am given the run around and continuing to incur fees off of a {$9.00} overdraft that I DID NOT AUTHORIZE PNC TO PAY. This is unfair and downright fraudulent practices and I am appalled at this point. Anything you can do to aid in rectifying would be greatly appreciated. Thank you! XXXX XXXX XXXX XXXX | ||||||
| 05/15/2023 | Yes |
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| On XX/XX/2023 at approxiamately XXXX my laptop was held hostage. A message popped up indicating access to my PC was blocked for security reasons and instructed me to contact XXXX XXXX. I did not call the number on the screen but XXXX XXXX XXXX. The number on the search was different than the number on the screen so I called that number. The person who answered explained that I was being hacked and he could assist. He instructed me to download an app XXXX XXXX which allowed him to see my phone screen, then led me through a series of instructions in a very quick and demanding manner and showed me I had set up notifications with XXXX to indicate when security was breached. Also, took me to XXXX which showed someone was trying to purchase {$4000.00} worth of products on the website. He said we needed to take action quickly to shut down/reset various cash apps. He led me through a process involving XXXX, XXXX and XXXX to transfer money to friends which would be returned to me and reset the apps. As a result of this my checking account was drained of {$2200.00} to XXXX and {$1000.00} to XXXX. I knew the person involved in the XXXX transaction but not the person involved with the XXXX transaction. When I asked for the refund to process back the guy said it would process Monday and refused to let me speak with a supervisor. That is when I realized I had just been scammed and frauded. I contacted the real XXXX XXXX, which I learned is actually called XXXX XXXX. XXXX XXXX stated it was fraud when I explained what happened and referred me to the bank. I immediately went to PNC Bank XXXX XXXX XXXX and closed and suspended my bank account that I had had for over 35 years. I opened new accounts then began the process of disputing the transactions with the bank, XXXX and XXXX. XXXX required a police report which was filed with the XXXX Police Department, report # XXXX. XXXX eventually reversed the charge of over {$5000.00} that was attempted on my account. XXXX would not resolve directly with me as it was disputed through the bank. The bank gave a provisional credit of the {$2200.00} while XXXX was being disputed. They did not credit the XXXX amount of {$1000.00}. XXXX apparently paid the bank as it was an obvious case of fraud so the {$2200.00} was permanently restored. However, PNC has refused to acknowledge the fraud on the XXXX transaction through numerous dispute escalations and will not reinstate the XXXX XXXX.The bank said I willingly participated in the transfer. What choice did I have when someone tells me my checking account is under fire and all the money is being drained? I had no time to think. Exactly the fraudsters intent. I had never used XXXX prior to the XXXX and was not in the habit of transferring large amounts of funds with either XXXX or XXXX. In an interesting twist the bank froze my new accounts in XXXX over a transaction amount of {$140.00} taking place via XXXX XXXX. I found out about the freeze when my credit card was declined during an in-person transaction. The bank stated that XXXX XXXX was involved in a lot of fraud. Interesting that my account is frozen over {$140.00} via a 3rd party cash app but not on {$1000.00} and more on the previous transactions. This was a situation of ransomware, psychological manipulation, ransomware, and elder abuse among other things. PNC Bank is setting up their clients for this to continually occur as there is no protection or recourse offered to customers. | ||||||
| 01/12/2018 | Yes |
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| Upon conclusion of the XXXX and Holiday season ; I had gone to the XXXX XXXX branch on XXXX XXXX to make a deposit via the ATM. This deposit included XXXX checks ( one from my parent and 2 from my grandmother as gifts for our children for XXXX ) - Long story short - The ATM malfunctioned and ate all 3 checks ( that were all in the same deposit ) - as well as my ATM card. When I went into the branch to report the matter, I was told by the teller that there was nothing she could do then, as they do not directly service, nor have access to their ATM machines??? She advised she could file a dispute regarding - and when the 'third party ' company comes to retrieve and/or open the ATM - 'if ' the checks were found, they would contact me ... .. I provided the total amount of all 3 checks to her in order to file the " dispute. '' - ( On a side note, the fact that PNC employees do not have access nor are able to open their own ATM machines is absurd to me ) - As in my opinion, this could have been resolved immediately by opening the ATM and fixing the machine 's jam to retrieve my deposit. - When I then heard nothing for over a week, I called the branch and spoke to XXXX, who is apparently the manager there .... She then more-or-less told me that what I was told initially by the other teller at the time this occurred, was incorrect .... And that the dispute can take up to 90 days to resolve - but they may approve a 'Provisional Credit ' to be applied in the meantime ... She did put a request in to the 'escalation ' team that was to now help and assist .... Long story short from here ... I received a letter stating that the credit would be put into my account until the matter was investigated ... ok, great, fine ... .You would thing O, that 's great ... But O no, do n't get too excited for me as of yet ; I then received a letter in the mail from PNC stating the investigation was over and they only found 2 of the 3 checks - And more or less accusing me of false information provided!!!????!!!! - Again, that 's funny - ALL OF THE CHECKS WERE TOGETHER IN THE SAME DEPOSIT!!! - So just maybe - Your " Third Party Service '' who you apparently trust more than your own employees to service your ATM 's, PNC STOLE IT perhaps??? When I called into PNC by the number indicated on the letter - after being on hold for about 30 minutes - I was told they could not help me, that I needed to talk to the " back office ''? I should also mention that my mother/writer of the checks has been watching and none of them have yet to show as processed / deposited or accounted for in her and my grandmother 's account as of yet either ... Therefore, you would think it could be as easy as her stopping payment on them and simply write new ones ; However, the inconvenience and potential fees come along with that as well ... ..! Needless to say, this matter is still not resolved and is COMPLETELY RIDICULOUS that this has been ongoing for almost a month now. - As of this morning, I called this " Back Office '' and was routed to XXXX, at the XXXX branch location .... He is apparently to call me back later today with further information on .... Ha, yeah, cant wait to see what I am told next .... Ultimately, if you bank with PNC - GET OUT NOW! The minute this is resolved I am taking myself, my money and anyone along with me that I know to get as far away as possible from any association with this DISRESPECTFUL, UNPROFESSIONAL, IGNORANT and LAZY banking institution. - | ||||||
| 03/27/2015 | Yes |
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| PNC BANK has come to my place of employment several times throughout the years to sign employees up for new accounts, and they typically offer a cash bonus ( usually {$150.00} ). I decided to go to my local branch to talk to someone about signing up and getting a bonus for my new account. ( The person I spoke with and signed up through does n't work there anymore. ) The bank representative I spoke with in XXXX 2014 did some research and said that PNC offered a workplace referral bonus of {$200.00} for my employer. He told me that I had to meet XXXX requirements within 60 days : 1 ) XXXX online bill payment. 2 ) Sign up for online statements 3 ) Have XXXX direct deposit credited to my account. Because I switched my direct deposit from another bank over to PNC it took 6 or 7 weeks to get my first direct deposit with PNC. About 4-5 weeks after signing up, I was concerned about how long the switch was taking, so I walked into PNC and spoke with a rep. This person explained that there was n't a hold up on their end, and as long as I had XXXX direct deposit within 60 days everything would be fine, and I 'd receive the bonus. After the XXXX direct deposit hit my account ( the other requirements were already met ) I visited PNC bank to find out when I would receive me bonus. I was told that it could take a while, perhaps a month or two. Then about two weeks ago I went to PNC and sat with a representative to inquire about my bonus. He said that he 'd put a request in for someone to research my bonus code and requirements and someone would call me back. No one called me. So yesterday, I explained the situation again to someone new at PNC over the phone and he followed up with me today to say that I did n't qualify for the bonus. He said I needed a total of {$1000.00} in direct deposits within the 60 days. I explained that this was n't communicated to me. He said there was nothing he could do. I called PNC 's XXXX number and spoke to XXXX different people who said the same thing. I was told that it was my word against someone else and there was nothing they could do. Well I feel like a fool for getting the same information about the bonus requirements initially from XXXX different people at the same branch at PNC where I signed up, only to have been duped. I was n't given anything in writing that laid out the requirements for the bonus, and perhaps that should happen in the future. I based my expectations upon what was communicated to me when I first signed-up. I do n't think it 's fair for PNC to wash their hands of this. If you do n't issue something in writing that explains the bonus ( so that everything is clear ), then why should I be penalized if the representatives willfully or mistakenly gave me the wrong information. To make matters worse, XXXX XXXX XXXX offered a bonus of {$150.00} for a new direct deposit account ( with all the terms written out on paper ), and I turned that down to sign up with PNC. So now I 'm supposed to walk away with nothing. PNC needs to take some responsibility here and issue my bonus. Going forward they need to make sure that bonus terms are written out and given to the new account holder, so that this confusion does n't happen again. I hope this gets resolved soon in my favor, because this whole experience leaves a bad taste in my mouth and has already wasted so much of my time. If not, I 'll move my account somewhere else because I do n't appreciate what I 've been put through. | ||||||
| 08/10/2017 | Yes |
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| On XX/XX/XXXX and XX/XX/XXXX our my son and I, PNC Bank Account was hacked and a very serious fraud took place. On XX/XX/XXXX I went to check to see if an ACH payment had been deducted from my account and notice the fraud activity, I immediately contacted PNC Bank to first informed them of the fraud/hacked that took place on the account, they requested that I immediately go to the nearest branch office and open up new accounts which I did, while they would be placing a hold and filing disputes on the items that were fraud. There were over 8 to 9 charges made on XX/XX/XXXX and a fraud check written on XX/XX/XXXX and there were 8 or 9 charges made on XX/XX/XXXX and a fraud check written on XX/XX/XXXX. After I went to the local branch which they told me to do and open up new accounts which we did open the new accounts, I went back to work and called the XXXX XXXX County Police Department to file a report and then call PNC back the same night after meeting with the Police to give them the police report number. The very next day on XX/XX/XXXX PNC Bank had place a hold on the new accounts and when I called them to see why they place a hold on the new accounts I was informed that it will take them 10 days for the PNC Bank Retail Escalation Team to put our money back into the new accounts, I asked them what are we to do for money for gas, food etc. and not to mention that my payroll is automatically deposited into the account. I have talked to 6 people at PNC Bank about this upsetting experience that I wish would not ever happen to anyone, but the bank that I have been banking with for nearly 10 years have shown me nothing but disrespect and an attitude like it was our fault that someone hacked our back account and on top of all that they have now came to the results they we were the ones who are responsible for this issue the 2 checks that were written on the account the hand writing is not our writing and not our signature they have sent us correspondence which reads " Based on our overall investigation, we consider the transaction ( s ) to be valid and your claim has been denied ''. I have been calling them every day since this has occur and no one has called us to tell us how they feel like it is our fault they someone hack/fraud our accounts, I am force now to contact the FBI Criminal Investigative Division and have now had to hire a lawyer in this matter. I am attaching all documents pertaining to our case it is one thing to be victimize by a person that has vigilante you, but the worst crime of all to me is the fact that the financial institutions PNC Bank that I trusted for all these years failed to do their job by notify their customers when something looks strange and looks not normal like a person has never I mean never has written a check on the account ever and all these strange charges to different XXXX and other stores in 2 days, and the way they get out of it is to blame the customers tell us it is our fault that this happen to us. To make matters worse the day is XX/XX/XXXX and the account ( s ) are still close they have returned all of our automatic ACH payments back to our creditors and now our creditors are charging us with return ACH fees and they still have not given us any money at all and no one from PNC Bank has informed us of how they have come to the outcome in which they had reached. But you best believe that I am not going to let PNC Bank get away with this I will not be victimize twice. | ||||||
| 08/10/2022 | Yes |
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| On XX/XX/XXXX I found out that my XXXX who was working on my ( vacant ) home was likely making fraudulent purchases on my PNC XXXX XXXX credit card. After finding this information out, I immediately called PNC and had the transactions from XX/XX/XXXX and beyond flagged for review. I found this information out about him likely making fraudulent purchases because my partner XXXX had also hired the same XXXX we found out he had been making fraudulent purchases on XXXX credit card, but he made them within a very short timespan so it was much more obvious. After explaining this to PNC, I felt that the first employee from the fraud department treated me differently for my XXXX orientation. After that conversation, I talked with several other agents from PNC, until receiving a call on XX/XX/XXXX stating that my claims were being denied because I had admitted to allowing the XXXX to use the card a handful of times, that the transactional fraud is denied with PNC. The entire time speaking with PNC I felt that they were almost defending him, rather than protecting me as a consumer and their customer. I did allow the XXXX to make a handful of purchases on the card, but he was instructed to put the card back in a specific spot in the home ( where my office things were ) and he did do that. However, I feel that he must have continuously stole the card out of my home to make large purchases for himself. By searching the receipts for the several hardware stores via the card number, I found transactions for household items, materials completely unrelated to my house, laundry detergent, and extremely expensive tools including multiple shop vacs, an {$800.00} paint sprayer, multiple large tool sets, etc. These transactions are obviously not authorized by me. At no point did PNC ask for any receipts, nor do I feel they did any due diligence to find any information on who actually made these purchases at the store via security cameras or other methods. They did not ask for a police report, and they did not ask for any additional information related to gathering evidence for the claims. They claimed because I had let him use the card a small number of times, that they are denying the claim holistically. I just thought to myself if I went to XXXX XXXX XXXX XXXX and authorized them to take {$50.00} out of my account for candles, would that give them the right to take thousands of dollars out of my credit card just for authorizing that one transaction? I feel that PNC did not do any sort of further investigation into the large amount of fraudulent transactions on my card. While the transactions were spread apart over 6 months, as a consumer I felt that they did not protect me whatsoever in what has been one of the scariest and most violating moments of my life. This XXXX was very knowledgeable in this type of theft to make it go under the radar and pass as a more inconspicuous situation. After researching, I found he has multiple theft charges and have found a recent social media post from another customer of his claiming he took their deposit ( thousands of dollars ) and refused to do the work. Overall, I feel that PNC did not complete any due diligence whatsoever in this extremely severe matter of theft, and as a consumer I feel that they are not complying with lending laws designed to protect consumers from this type of fraud and ensure lenders and creditors are protecting their customers. Thank you for your help. | ||||||
| 08/08/2015 | Yes |
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| On Thursday, XXXX XXXX, 2014, I walked into the PNC branch at XXXX XXXX XXXX XXXX, GA to make a withdrawal from my checking account. I withdrew a total of {$2000.00} from my account and planned on using the branch 's ATM to move {$700.00} in funds over to my XXXX XXXX XXXX account. XXXX of the reasons I changed my checking account to a PNC Performance Account was to do this very thing, but still, I confirmed with the teller that I could do this at their ATM. She confirmed that I could. I walked out of the bank and went over to the drive-up ATM. I began the deposit with my XXXX XXXX XXXX card ; the machine accepted my card and pin number and then displayed my various XXXX XXXX XXXX accounts. I choose my checking account then inserted {$700.00} cash into the ATM. This is where the problem began. The ATM gave me an error message : " This transaction request is not supported by your card, please take your cash. '' Then the machine froze. The ATM did not return my money or provide me with a receipt, and I was unable to do anything further to complete the transaction. I immediately called PNC Bank, but found that PNC 's phone system was down as well. I did eventually get through to a customer service representative, and she instructed me to go inside the branch to report the issue. The teller walked out and saw that the ATM was frozen, but she informed me that the machine was not serviced at the branch and that I 'd have to contact XXXX XXXX XXXX. I did and for the rest of the afternoon went back and forth between XXXX XXXX XXXX and PNC trying to determine what could be done. Between myself, the PNC branch teller, the PNC ATM Services department and the XXXX XXXX XXXX Disputes Department, it was determined that there had been an issue, and that I was to go back to the branch the next day to file a claim with the branch manager. I returned on Friday morning, XXXX XXXX, 2014 to file the claim through the branch manager, XXXX XXXX. I was told by the same teller that XXXX XXXX was n't available and that he XXXX XXXX was unsure of how to even how to help me. Eventually, I was given a dispute number, but I later learned it did not represent a claim that the branch was filing for me. After I had left the bank, XXXX XXXX approached me in the parking lot to inform me that PNC would be denying the claim. Overall, I found his demeanor uncooperative, his attitude intimidating, and his behavior simply unprofessional and untrustworthy. I continued, without XXXX XXXX 's assistance, through PNC 's claims and escalation procedures. The claims have come back denied. I even had XXXX XXXX XXXX file a claim to PNC on my behalf : this also was denied. Phone records can show that I called PNC Bank Services at the time of the incident, and surely there is video of me at the teller, at the ATM and a record that {$700.00} was deposited in that ATM or its cash deposits were {$700.00} over. I have tried to follow PNC 's processes but the details of my situation have n't been understood or it 's been assumed this is a XXXX XXXX XXXX problem. Please, I ask for your assistance, because I ca n't help but worry that PNC Bank is defrauding me. My deposit was {$700.00} and I 'm finding myself having to work around not having these funds. I attempted an allowable PNC ATM transaction and the ATM kept my money and did n't register the deposit into my account or provide me with a deposit slip. The bank has an obligation to fix their technical error. | ||||||
| 08/08/2016 | Yes |
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| I made a discrimination complaint VS PNC BANK, BASICALLY WAS PREJUDICED NUMEROUS TIMES AT TJIS BANK N SO AS RESULT I MADE CIVRGTS, GREIVIANCE OVER " DENIAL OF A LOAN TO XXXX, PERSON, DENIAL OF LOAN TO XXXX, DENIAL OF LOAN BASED ON CREDIT N OTHER COUNTS WELL, I ENDED UP GETING, DECEIVED AND DEFRAUDED BY PREFERRED XXXX ILLINOIS CUZ, THEY NEVER N WRITING, NOR ON SPEAKER PHONE NOR, ANY OTHER KIND OF WAY TOLD ME LOOK " XXXX XXXX GET ThIS LOAN we gone change the conditions n terms n interest r rates rigjt away after u sign off on it instead of owing,XXXX $ or so ull, owe $ XXXX , this caused XXXX whi chooses is why I 'm reporting pnc, bank, for retaliation vs me, for allowing their doors to not accomodation to XXXX etc, door just hits, u.also Allowing me to spell and use name, XXXX, on a XXXX, transaction, n others when they did n't match transaction should n't had went .thru. such denial of a loan also created rates of interest harm vs me.veteran of XXXX.i could n't believe XXXX $ they would n't loan me, n I still woulda been short on tax money it was {$3800.00}, owed to tax delinquent buyers, newline, XXXX,. Moreover this bank does n't offer XXXX zilch.denial to irs customers notaries, XXXX police n sheriffsXXXX yr, for doin XXXX.on XXXX.i had $ $ that coulda been n my trust account if XXXX woulda did it for my mom they denied it. but for denial of such notary, I was riding around with that cash on me.XXXX..was wrongfully kept by XXXX police for their own self, no warrant, no drug activity to take cash n they destrpyed, alteres, footage, at XXXX sheriffs, station, il, XXXX county, I 'll treating for those injuries, those injuries n that case relates to XXXX'because it costed, that Sheriff XXXX I suffered, cost me over hundred gees #! .pnc, bank called my cell phone after my report I made with cfpb, about over, near a week ago, construing, words wrongly, and labelling it " my issue/problem/in call I told her do n't call me, ever, I 'm intimidated by such calls.after such cfpb, report I went online n was solicited by XXXX, not trusting $ XXXXadvertisement, special for free min, adult, I did it under XXXX, n was devestated my name was n't matching, I thought it was something else I am not recalling but such a breach in banking is just as bad as my moms, XXXX, -XXXX-corporate office telling me all her bizness, balance, a XXXX XXXX info, a XXXX vs I pretended I was her on telephone.lol.the presidents XXXX, did this huge breach vs my mom, XXXX never validated, anything, I suppose also I should mention pnc, banks nonaccomodatimg, online data site way to difficult to get online account established and other problems like attn generalsite, to take care of business.XXXX XXXX is a predatory lender, pnc, bank failed to protect me from such abuse.pnc, bank is a very non equality, to anything bank not even a short loan, rather over the telephone or not, they do n't give customers, XXXX on fixed-income, XXXX, XXXX, XXXX, communities, get XXXX financial help, and you wonder why so much CRIME? "! HMM.NOW I GOTA, DEAL WITH XXXX UHGGHH.WAT A PAIN AND THEY ALLOWED ME TO USE A FAKE SOCIAL ON THE LOAN, THAT THEIR TRYING TO EXTORT ME FOR MONEY OUT OF DECEPTIVELY, IN LOAN PROCESSING, FUNCTION/PROCESS ALL BECAUSE MY BANK WOULDNT WAIT TIL MY CASE SETTLED SOON ANYDAY, TO LOAN ME MONEY TIL THAT TIME WAS BULK, CREDIT SCORE? XXXX, BUSTED SO I DO N'T GET THE POINT.BANKS HAVE THEY OWN CASH SO CA N'T BLAME USA ON THEIR CASH AVAILABILITIES. | ||||||
| 07/23/2023 | Yes |
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| XXXX - deposit check, teller verified check was endorsed properly and completed transaction. Check was deposited, cleared and funds in the account XXXX. XXXX - personal check provided to roofing company, post-dated XXXX. XXXX- Roofing company cashed check, check was cleared by PNC with funds available in account. XXXX - Check returned to PNC for irregular endorsement. Funds removed from account, causing negative balance and previously paid bills were returned for insufficient funds. XXXX - We tried using our debit card and were denied. At this point, we thought we had been hacked, as no communication was provided. We contacted PNC and XXXX XXXX not sure last name, but conversations were recorded by PNC from day XXXX ) let us know the check was returned and to contact the insurance company. XXXX - Contacted insurance company and were told to use the returned check again or they would provide a new check. Was advised to use whatever came to us first. Days later, the check was returned. We brought it to the mortgage company for endorsement. A few conversations were had between me and XXXX XXXX recorded by PNC ). It was stated the teller made an error. We were told our account will be placed in ledger more, so it would not be closed until we figured things out. Our direct deposits continued to be accepted by PNC each week and deducted from the negative balance. We did not have access to these funds during the entire time this ordeal went on. XXXX - Check deposited by PNC teller, once again, stating endorsed properly. Check deposited, cleared and funds available in account XXXX. We proceeded to pay our now past due bills a second time. XX/XX/XXXX - Check was returned to PNC for irregular endorsement. Funds were immediately removed from the account and previously paid bills were once again returned for insufficient funds. We received the check again and drove to the roofing company for endorsement. The check now is endorsed by us, roofers, and mortgage. XX/XX/XXXX - Deposited check into the savings account, teller certified check was endorsed properly. Check was deposited and cleared. Funds were made available and we proceeded to pay our severely outstanding bills. ( Since we no longer have access to our account, we are not sure of exact dates moving forward ) Check was returned for the XXXX time. The insurance company voided the check without our knowledge. We went through the process of getting proper endorsements with the new insurance check. That process took several weeks. XXXX - New check with proper endorsements was brought to PNC to be deposited and right our account. The teller let us know our account was closed on XXXX and could not explain why. We immediately called XXXX and she PNC is choosing to no longer do business with us. We have spoken to several other PNC employees and have not gotten any help. XX/XX/XXXX - We had to miss work to open a new bank account at XXXX. We deposited the insurance check and they let us know it would take XXXX days to clear. XX/XX/XXXX - Received notice in mail we were denied opening an account at XXXX. PNC reported us to XXXX and we can not open a new bank account. We have no place to deposit our paychecks. Our credit reports have dropped over XXXX points in XXXX months. Our lenders have charged us late fees. We make over {$200000.00} a year and can not access our money. We still have a $ XXXX insurance check that we can not cash. | ||||||
| 06/01/2017 | Yes |
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| XXXX-XXXX-2017 To Who It May Concern : I am writing to complain about the length of time it took and the way PNC handled my request for a short sale. I have been going back and forth with PNC for at least 8 months trying to get approved. During these 8 months, we had been calling twice a week trying to get issues resolved and trying to get answers. Trying to get anything resolved with PNC became taunting and ridiculous. We talked with PNC reps twice a week for a month then on the second month they told us they did n't have the paperwork to talk to us. But before each conversation in the first month, the reps from PNC stated that before they could talk to us they had to find the paperwork to do so. Then all of a sudden they do n't have the paper work??? Then we would send packages and items needed and then we would call and the reps would say they did n't receive it or they needed something else that we had already sent them 2-3 times already. Eventually, a rep took the time to go through all the folders and noted that they had everything but whoever put the info into the system put items in the wrong folders. They kept giving us " points of contact ''. We called and left several messages to no avail. No one would call me back. This ritual went on for months then all of a sudden a point of contact calls us in XXXX 2017. He said that they would have an answer by XXXX XXXX, 2017 and NOT to send the second lien holders agreement. But that was strange because we had mailed and faxed the second lien agreement twice before. Once again no one called. When we called on XX/XX/XXXX, we were told we had another point of contact. The third one. So we called PNC again and got another rep who stated that our short sale was denied and that it would be sold on courthouse steps on XXXX XXXX, 2017. Shocked because of no communication from PNC, we called the new and old point of contacts and once again left messages. Then sometime the next week a point of contact called me and told me that there was n't anything I could do and that the short sale request was denied. Below are a few other statements and actions, not all, that prolonged my request and the denial of approval. 1. PNC has made false statements twice about the se cond lien holder declining the short sale offer. Which was n't true. 2. PNC delayed the file on numerous occasions and never sent me a date the file documents were completed. 3. PNC did not remove the bankruptcy from the file when notified by the bankruptcy attorney and therefore did not properly and timely communicate with me nor my real estate agent. 4. PNC gave instructions to the real estate agent on how to handle the file to continue the short sale process and then refused to continue the short sale after the real estate agent followed instructions. 5. PNC misdirected the short sale file to the loan modification process which caused a huge delay. 6. PNC set a foreclosure date during the short sale processing which was dual tracking. Through ALL of the lies and headaches from PNC, we have a contract on the home. The buyer has been waiting months for us to get approved. They have moved out of their old place and living with relatives. PNC has done a terrible job in this process. Something is n't right for them to be able to get away with treating us like this. If they have done this to us, how many more people have they treated with little regard????? Thank you for your time and hopefully, help. | ||||||
| 12/28/2015 | Yes |
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| I am the victim of a scam involving internet crime, internet fraud, international wire fraud and international bank fraud. I have been scammed out of {$3600.00}. On XXXX/XXXX/2015, XXXX XXXX of XXXX XXXX XXXX ( XXXX, XXXX, contacted me via phone. She knew that my XXXX XXXX XXXX is listed for sale and that her boss, XXXX XXXX, had a buyer for the timeshare. XXXX XXXX explains to me that although my timeshare is listed for {$42000.00} he had a buyer interested in buying for {$25000.00}. I accepted the offer. They sent me a purchase offer owner information form to sign using their email address of XXXXXXXXXXXX. On XX/XX/XXXX, XXXX XXXX told me the 2015 maintenance fees were not paid and that the buyer would reimburse me the 2015 maintenance fees and the transfer fee and any other closing cost fees in exchange for the 2015 points. I agreed. On XX/XX/XXXX I receive a XXXX page contract from XXXX XXXX of XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX called to inform me that there is a {$2500.00} International Transfer Release of Funds fee. He told me that this needs to be paid by me but at closing I will be reimbursed by the buyer as previously agreed. On the same date, XXXX XXXX XXXX sent me XXXX documents : an introduction letter, a Power of Attorney, a statement of account, a XXXX Document explaining the {$2500.00} International Release of Funds fee, and the fifth document was a wire transfer request form where I am the Beneficiary. Next they emailed me another statement showing the buyer had paid his fees and that my fees were still pending. Finally on XXXX/XXXX/15 they email me the XXXX XXXX XXXX Wire Instructions. I was assured that funds can not be released without my authorization. I was to wire from my account to XXXX account using XXXX : XXXX and a XXXX Number : XXXX the amount of {$3600.00} USD. On XX/XX/XXXX, I went to my bank and made the international wire transfer of {$3600.00}. We were supposed to have closing on Friday XX/XX/XXXX where I am now supposed to receive a cashier 's check for {$28000.00} However, XXXX XXXX once again calls me to say that there is {$4000.00} of XXXX Sales Taxes involved. The good news is that the buyer also must reimburse these fees as well. XXXX XXXX XXXX sent me more documents : XXXX XXXX documents explaining the rate and need of the sales tax, another statement of account, and another International Bank Wire Instructions to wire {$4000.00}. I immediately went to my bank to dispute the wire transfer. The money had already been taken out by the scammers. I contacted the FBI since the scam is still current, they just said to report it on IC3.gov. I also asked XXXX XXXX that since I have to borrow the {$4000.00} from my Dad that he wanted to verify that the escrow account was still open and active by contacting the bank directly. XXXX XXXX emailed me an account statement from XXXX with a " scam '' telephone number to verify the account. But I HAD ALREADY CALLED THE REAL XXXX IN XXXX AND THEY COULD NOT VERIFY ANYTHING ABOUT THE ACCOUNT SINCE MY NAME IS NOT ON THE ACCOUNT. THEY GAVE ME THE EMAIL ADDRESS OF THE PRESIDENT OF XXXX IN XXXX : I am a XXXX year old unemployed man with an XXXX year old son. I accepted the {$25000.00} offer because I really needed money to help me support my son and myself. I am pleading with you to help me recover my {$3600.00} wire transfer from XXXX as I was the victim of international wire and banking fraud. Thank you for your time. | ||||||
| 04/06/2017 | Yes |
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Web | Servicemember |
| I am a long-term customer of PNC bank and often use its branch located on XXXX, XXXX, IL XXXX. I usually keep my account in good standing and have sufficient funds. On Saturday, XX/XX/2017 I deposited a check in the amount {$880.00} which was in certified funds at the PNC branch. So, I expected this check to be cleared by Monday XXXX XXXX, 2017 morning. When I checked my balance on Wednesday, XX/XX/2017, I noticed XXXX {$36.00} debit transactions applied on my account. On Thursday XX/XX/2017 I visited PNC branch on XXXX. and asked the teller for explanations. He advised that this was XXXX charges for XXXX " overdraft '' checks which apparently were cleared by PNC on Monday. When I asked the manager to reverse the fees since my account actually had funds ( which were in certified checks ), the manager tried to do some transaction but advised me that she can not reverse {$72.00} fees. I found it very unfair and unjust. Like I said, I am a long-time customer, and most recently this branch changed many of its personnel which definitely negatively affected the quality of customer service. When my relative had a similar issue before, the customer service representative invited him in the office and reversed similar fees without any problems. This new branch manager did not invite me to the office and seemed not to be very interested to help. I choose PNC as my fiduciary to hold my money in the same manner as I would do it. If PNC knew that I have certified funds available and they see two checks coming at the same time, they should not process them until they confirm that these certified funds are available. It seems that PNC bank simply tried to obtain unjust enrichment at my detriment, and it appears to be PNC regular practice. I found XXXX complaints against PNC where customers were billed unlawful and excessive fees and fines. For example, one customer wrote that " I missed a line of credit payment due to not receiving the bill on time. I was notified via mail about this from PNC. As soon as I received the letter I call their XXXX customer service number to get it resolved. They could n't help me so I had to go to a branch. I went to the first branch where I wrote a check for the missed payment but they said they could n't do anything about the fees without a manager approval. So I went to another branch who told me they could n't help so I had to go to a third branch. At this point, I learned that the check I wrote was deposited by the first branch a regular monthly payment instead of toward the missed payment. Long story short, I have {$140.00} of fees for a missed payment of {$110.00}. I am livid with the bank. They are unwilling to waive anything which is beyond unreasonable. This is not the first problem I have had with them. PNC is one of the more aggressive banks for credit but beware ... they are terrible to deal with. Absolutely the most incompetent people work here. '' I agree with the previous review, {$72.00} " overdraft fee '' when money are sitting on the account seems unfair and deceptive. PNC highly benefit from having me as a customer, in many ways - attract investors, receive more funds from ; lower taxes for profitability, ect. At the same time PNC are not shy to unjustly enrich themselves charging me {$72.00} in one click while bear to repeat, I HAD money on my account. As another customer said : " They stole my money. They chose greed over customer loyalty or fair dealing. '' | ||||||
| 11/04/2020 | Yes |
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| I was contacted for a sale and was sent enough money to pay for shipping of sale. After I cashed the check online with PNC I reached out to them to ensure my check had cleared. Below is a copy of my transcript with PNC : Info at XXXX, XX/XX/XXXX : Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. Info at XXXX, XX/XX/XXXX : Hello, this is XXXX. Thank you for choosing to use our online chat service. XXXX XXXX at XXXX, XX/XX/XXXX : Hello Stasha at XXXX, XX/XX/XXXX : Good Day! Thank you for chatting with PNC! How can I assist you with your banking needs? XXXX XXXX at XXXX, XX/XX/XXXX : Can you check and make sure a check has cleared for me? Stasha at XXXX, XX/XX/XXXX : Hello XXXX. I am happy to take a look into the account activity to see if a check has cleared. How much was the check? XXXX XXXX at XXXX, XX/XX/XXXX : XXXX XXXX XXXX at XXXX, XX/XX/XXXX : thank you! Stasha at XXXX, XX/XX/XXXX : You are welcome. Yes, the check cleared on XX/XX/20. You can also see this on the account activity as well. The balance before the check was {$4200.00}. With the deposit clearing the account the available balance is now {$6500.00}. Stasha at XXXX, XX/XX/XXXX : If you can not see this online, you may need to refresh your browser by clearing the cache, cookies and browsing history on your device. Using icons, favorites, and bookmarks to log into the PNC site can prevent certain areas of the website not to load, or not appear at all. This is due to frequent updates we make to our website to enhance the customer experience. XXXX XXXX at XXXX, XX/XX/XXXX : okay great thank you! Stasha at XXXX, XX/XX/XXXX : You are welcome. Stasha at XXXX, XX/XX/XXXX : Did you have any other questions today? XXXX XXXX at XXXX, XX/XX/XXXX : no that is perfect, thank you for your time After I had been advised that the check had cleared I understood that as the money had moved from the check writers account over to the check cashers account, mine. See below for XXXX 's definition of a cleared check : Cleared Funds Explained When cash or checks are deposited into an account, either as an account funding transaction or as the result of the sale of a security, it may take several business days until the financial institution is able to make all of the funds available for withdrawal or trading. A check clears when funds are moved from the check writer 's bank to the bank of the person depositing the check that was written. If the check writer and depositor use the same bank, this can potentially happen on the same day. Following PNCs guidance that the check had cleared I was under the impression that I now had another persons money that I needed to forward to pay for shipping. I then sent money, which I was under the impression was cleared from the check, using XXXX to pay. A few days later it was found that the check I cashed with PNC was Fraudulent and PNC deducted the funds from my account. I have since brought up the issue with PNC multiple times over the last couple of weeks and have now heard back from their escalations team. PNC has now gotten back to me and said they are unwilling to take any responsibility for the fraud. My complaint is the fact that my actions were dependent on the information that PNC provided me with, and had I not been told that the check had " cleared '' I would not have sent any money. | ||||||
| 06/13/2019 | Yes |
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Web | Servicemember |
| On or about XXXX XXXX 2019, I went to the local branch in XXXX Il. I requested my 3 account to be closed and funds mailed to me. The local bank insisted they issue checks for funds. I received funds and left premises. On XXXX XXXX 2019, I received a phone call from PMC Bank corporate ; my accounts occurred penalties, overdrafts and/or insufficient fund charges. The accounts were not closed, PNC SAID they made a payment to XXXX XXXX on XXXX XX/XX/2019, for the sum of {$24.00}. The bank had no authority to make payments in my name, said payment was unauthorized because PNC was notified in " XXXX XX/XX/2019 '' to close my accounts. I wanted to clear up said issue quickly so I offered to pay the {$24.00} and fees. A bank check was processed for the sum of {$43.00} with a memo attachment of XXXX XXXX. The bank representative SAID they released all other fees attached to my personnel checking and saving and CLOSED them. The PNC representative said my business checking fees had to be released by a different department and she would check on said and call me back. The representative did call me back the same day, SAID the fees were cleared and the account was closed. On XXXX XX/XX/2019, I filled out a PNC e-survey ; I gave high marks to the representative ( that said she closed my accounts ) but, I gave low marks to service. On or about XXXX XXXX a PNC representative called me to further investigate my poor survey results. I explained my issues with PNC banks incompetence that I had witness in the past 4 years ( I believe its a local issue with XXXX, Il facility ). In reflection, it makes me feel PNC is now harassing me because of my survey results. On XXXX XX/XX/2019, I received a phone call from PNC Bank corporate ; my accounts occurred penalties, overdrafts and/or insufficient fund charges. The accounts were not closed, PNC SAID they made a payment to XXXX XXXX on XXXX XXXX 2019, for the sum of {$24.00}, this date changes as the conversation progressed ; as I explained the situation. When I told them I had proof I paid said amount on XXXX XXXX, the payment date was changed to XXXX XXXX and then XXXX XXXX. Again : The bank had no authority to make payments in my name, said payment was unauthorized because PNC was notified in " XXXX XXXX 2019 '' and XXXX XX/XX/2019 to close my accounts. And the representative confirmed the closing on XXXX XX/XX/2019. NOTE : I failed to change the account information for XXXX XXXX. I fixed the issue on XXXX XX/XX/2019 as I was talking to the PNC representative, I rechecked the account assigned bank on XXXX XXXX 2019 to confirm the assigned bank was correct. Per XXXX XXXX records a payment for {$24.00} was requested by PNC on XXXX XX/XX/2019 and returned. This means no funds were distributed by PNC ( payment was not made ). So, in effect the payment request made by PNC on XXXX XXXX from me, for the sum of {$43.00} ( XXXX XXXX and fees ) was fraudulent. In addition, the current request for funds repayment and fees issued to XXXX XXXX is fraudulent. PNC has not made a payment to XXXX XXXX in my behalf since XXXX of 2019. Note : a request for payment was make on XXXX XXXX 2019 and returned. My conversation between PNC representative XXXX XXXX and myself terminated with no resolution. PNC rep said they would call back on Friday XXXX XXXX 2019. I have no confidence said issue will be resolved ; PNC has had 2 opportunities, to close my accounts and failed. | ||||||
| 01/29/2016 | Yes |
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Web | Older American |
| Dear CFPB, I am writing to file a complaint against PNC Bank, and specifically in regards to my PNC points XXXX credit card account. I had a {$3000.00} credit on my PNC points XXXX credit card account, which PNC has removed and has failed to refund to me. Numerous calls to XXXX levels of PNC Customer Service has led nowhere. I am asking the CFPB to help me recover my money. The details are as follows. On XXXX XXXX, 2015, I received a refund from an airline company, which was credited to my PNC points XXXX credit card account. A credit of {$3200.00} successfully appeared on my account, and this amount was shown on the XXXX 2015, XXXX 2015, and XXXX 2015 statements. However, on the XXXX 2015 statement, the credit disappeared. Upon examining the XXXX 2015 statement, I observed the following charge from PNC : Date Posted Description Amount XXXX CREDIT BALANCE REFUND, XXXX DE {$3000.00} I immediately called PNC Customer Service and was informed that a check in the amount of {$3000.00} was sent on XXXX XXXX. I was told that they would investigate and attempt to locate the check. Within a few days, I did indeed receive the check ( Check Number XXXX ). I called PNC to inform them that the check had arrived, and they assured me that the check was still valid ( despite the earlier call ) and that I should deposit the check. However, upon trying to deposit the check, I was informed that a stop had been placed on the check. Thus, I could not deposit the check, and I was further charged a {$2.00} fee from my bank for the refused check. On XXXX XXXX, 2015, I again called PNC to request that a new check be sent. This time, I spoke with PNC Customer Service Escalations Team ( specifically to a representative named XXXX ). I was assigned Case # XXXX, and was told that they would again investigate and get back to me. After a few days, I received a return call from XXXX who stated that a new check was issued on XXXX XXXX, 2015 and that I should receive it within 7-10 days. I asked for a tracking number for the shipment, but was informed that a tracking number could not be provided, and that I should just wait. Having not received the check after 14 days, on XXXX XXXX, 2015, I yet again called PNC Customer Service Escalations Team ( this time, I spoke to a representative named XXXX XXXX. I was yet again told that they would again investigate and get back to me within 48 hours. I never received a return call. As a last effort I reached out to PNC via their XXXX page and then followed-up with yet another phone call to their Escalations team. They told me that XXXX was still " investigating '' the issue and would call me back. Within a few hours, XXXX called back, stating that yet another new check was issued, and I should receive it in yet another 7-10 days. Again, no tracking was available. To this date, I have still not received the check. Each time I call the PNC Customer Escalations Team, I must wait several days for them to " investigate '' the issue. Each time, I am promised a new check. Each time, I wait 7-10 days, only to receive nothing. I have been given the run-around. It would seem that PNC intends either to never send the refund check or to put a stop to any refund checks that might be sent. The resolution I am seeking is for PNC to immediately credit the {$3000.00} + {$2.00} back to my PNC points XXXX credit card account so that I can access the money. Sincerely, XXXX XXXX | ||||||
| 01/30/2020 | Yes |
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| At some point in XXXX of XXXX I applied for a credit card with PNC bank. I waited for my credit card to arrive. After several weeks it arrived and I tried to register my card and account online. I was not able to because it the online website stated I needed a pin. I called PNC and they said that I needed a pin and they would send it out. I asked what my due date was and PNC representative stated that she not know as they system did not indicate a date. I waited for my pin to come and it never arrived. I was worried about being late so I called at the end o XX/XX/XXXX and found out that I had missed my due date and had received a late fee of {$27.00} and was charged interest on the late charge of {$1.00}. The PNC representative stated she would refund the fee and interest charge and did so on XX/XX/XXXX. The PNC representative assisted me in setting up a recurring payment so that I would be able to pay my credit card payment on the XXXX of each month. I logged at the end of XX/XX/XXXX and found out that my reoccurring payment was set up for XX/XX/XXXX and that I had missed my payment again. Being a new customer to PNC I had experienced significant issues getting this step right. This time PNC would not refund the late fee of {$38.00} which they eventually charged me for on XX/XX/XXXX. They also charged me an interest charge of a {$1.00} on the late fee. I called and explained that what that my intention obviously was to set it up on the XX/XX/XXXX, which was the due date. The PNC representative assisted me in changing the date so the reoccuring payment would be deducted on the XXXX of each month going forward but would not be able to refund the late charge or related interest charge. I thought is this ethical to be charging me this fee when there system should have taken in it out on XX/XX/XXXX. And why are they charging me an interest charge of a {$1.00}. She said she could not refund the XXXX late fee because they already refunded the first late fee in XXXX. I thought why as I believe both were due to your not user friendly system. I thought is PNC doing this to all their customers. The PNC representative said when the reoccuring payment for the XXXX was set up for each month that it automatically chose the XXXX because that was the day I called in. I thought why would it default to a date after my due date. Sounds crooked and unethical as it should default to the XXXX if anything. Sounds crooked. Also why did they charge me on the first late charge only {$27.00} and on the second {$38.00}. I am a hardworking person that works two jobs and I do not need PNC taking money out of my pockets as I try and survive taking care of my wife, kids and elderly mother. I think there system defaults and issues are what caused these late fees. I wish that PNC would investigate. I tried to escalate the issue with PNC and they cold heartily said no again. I called again on XX/XX/XXXX and they said no again. They have take advantage of me their customer with providing a system that is difficult to set up the automatic payment withdrawal causing funds to be charged. I hope I am not the only one this has happened to but by the way they treated me I do not think so. I am sure their late fees have increased significantly by designing their online system to not be customer friendly. Can the CFPB right this unjustice of the big brother bank. XXXX XXXX XXXX # : XXXX XXXX XXXX ; Email address : XXXX. Thanks. | ||||||
| 04/20/2023 | Yes |
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| My XX/XX/XXXX bank statement had several unauthorized transactions on my debit card listed with the greatest amount of {$980.00}. XXXX occurring on XX/XX/XXXX. On XXXX XXXX I called the customer service of PNC bank to file disputes on the unauthorized transactions. The PNC customer service representative assisted me in identifying the unauthorized transactions. She filed the disputes for me on the phone and also issued provisional temporary credits and reversal of insufficient funds fees that had been debited as a result of the unauthorized withdrawals. She had me identify transactions dating back to XXXX, XXXX. I know that the banks will not consider disputes if they are not notified of the fraudulent transaction within 60 days of the date the unauthorized transaction is first noticed. I did ask the customer service rep about this, since the oldest of these unauthorized transactions occurred more than 60 days from the date I was disputing them, which was XX/XX/XXXX. The customer service rep told me there was no problem and each dispute would be considered by itself whether it was affected by the 60 day policy. I was most concerned about the more recent transactions that had been done within that 60 days. I received letters from PNC Bank 5 days later that allowed most of the transactions that were unauthorized but they denied the dispute for the {$980.00} which had occurred a week earlier in XXXX Pennsylvania. I went in person to a local branch to discuss why the {$980.00} debit and an unauthorized transaction that I had filed a dispute on was denied. The bank teller at the local branch made a phone call to the main office in Pennsylvania of PNC Bank. He asked why this dispute for the individual unauthorized transaction of {$980.00} was denied. He could not do anything else for me except file another dispute for that amount of money. I did not initiate that transaction I have never been to XXXX Pennsylvania and the payee on that transaction was XXXX parking. Also my debit card had not been stolen or lost and I had not given the information to anybody the card has been in my possession the whole time. This was a fraudulent use of my debit card information and my account that resulted in a {$980.00} withdrawal of my money. The second dispute that was filed that day at the bank the local branch was also denied without a reason given and the money in the amount of {$980.00} was it was again debited debited from my account. I have spoken with the retail services department of PNC Bank which is located out of state to understand and to ask why this money is not going to be returned to me I was informed that the money will not be returned to me because it was reported more than 60 days prior to the unauthorized transaction, even though the transaction occurred on XX/XX/XXXX and I reported it originally on XX/XX/XXXX to PNC Bank the fact that several transactions back in XXXX of XXXX and XXXX of XXXX were included in the disputes that I filed on the phone that evidently affected ones that were being reported in a timely manner. I am unsure of how to proceed as I do need that money restored to my account and because it's out of state I can not file a police report of the theft locally. Pnc bank retail services department representative advised me to contact the payee XXXX Parking to see if they will reimburse me. I will do that but highly doubt they will be concerned with returning the money. | ||||||
| 04/13/2022 | Yes |
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| Starting from the beginning, in XXXX of XXXX, I opened a bank account with PNC Bank online & I was in the process of moving to another city due to a promotion at my job. They sent my debit card to my old address in XXXX, FL so I was unable to access my account online to update anything bcz it required my debit card #. So the account was inactive for awhile & once I finally found a place & had my own address again, I went in to PNC Bank location on XXXX XXXX XXXX XXXX, FL to update them on my new address & get a new debit card issued to me. The representative Never told me that my account was on the verge of being closed & that was on XX/XX/XXXX. I left the bank & went home to update my employer with my routing & account numbers for Direct deposit. At the same time I wanted to make sure my rent payments would come out of my checking account with PNC because the XXXX XXXX XXXX only accept checking/savings account info to make payments through their website. And most importantly, I set up a transfer if my rent payment in the amounts of $ XXXX {$620.00} & {$20.00}. All to cover my {$1200.00} rent payment that was due to be withdrawn on XX/XX/XXXX. Without notification from PNC Bank they closed my account on XX/XX/XXXX. So, my transferred funds kept being rejected, my very first rent payment was sent back with the notation the the account was closed BY XXXX XXXX ( And That Was NOT True! ) And my direct deposit from my employer was held until yesterday XX/XX/XXXX at XXXX they sent it back to my employer & I will not receive my reissued check until XX/XX/XXXX. Between the dates of XX/XX/XXXX & XX/XX/XXXX I was told the direct deposit had already been sent back, my employer updating me daily that they had not received it yet. All to find out they had my Direct Deposit THE WHOLE TIME & just sent it back on XX/XX/XXXX. Now, the whole time, I'm being charged {$100.00} for NSF Fee & {$15.00} per day late fees by my XXXX XXXX XXXX who could be moving towards eviction processing in the days to come. I went into the branch location of PNC mentioned above & they saw everything that happened with the transactions & could not explain why the account was closed on XX/XX/XXXX after updating my address & reissuing my debit card on XX/XX/XXXX. They said the only department that can look into my transferred amounts was the XXXX dept that did not take phone calls, only communicates through email. Now because of this whole ordeal I'm flagged as a risk to open a regular bank account all because PNC closed my bank account without my foreknowledge when I came into their branch to update my address & receive a debit card on XX/XX/XXXX. As of now XX/XX/XXXX at XXXX ( I have a phone appt with them at XXXX ) I haven't been called yet. I have filed a dispute with XXXX to try & get my transferred amounts back in my account that way. They denied it immediately stating the transfers were successful & settled so they will not credit my account. When asked for supporting documents for their decision, XXXX said they will email them to me & as of XX/XX/XXXX at XXXX I've not received anything. I called them back today, XX/XX/XXXX at XXXX and was transferred to a person, I told them everything all to find out he was Not a supervisor as I asked for & that person transferred me to a voicemail system. As of XXXX while typing this I've not heard from XXXX neither PNC that I have a phone appt with today XX/XX/XXXX at XXXX. | ||||||
| 08/05/2021 | Yes |
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| I was contacted by XXXX XXXX ( XXXX ) about a new trading strategy that is being tested. He gained my trust since it was a name well recognized by myself via the XXXX XXXX XXXX service I was subscribing to. XXXX XXXX had business suspended activity and when the services returned XXXX XXXX was gone. He introduced me to the strategy and solicited to open a trading account with XXXX via provided link XXXX XXXX XXXX XXXX Encouraged by his successes I transferred XXXX to fund my account. These funds were wired from my XXXX account to their designated bank in the US via LLC companies. After few successful trades, I received a notice from XXXX that I am tagged as a day trader and my account will be suspended for 90 days unless I deposit more money over {$25000.00} ( see below ). XXXX confirmed that and solicited more money to be transferred to see bigger returns. I cashed out my IRAs and transferred an additional XXXX XXXX XXXX XXXX and XXXX ( see below original deposit instructions from XXXX ) XXXX XXXX XXXX Acct XXXX ACCOUNT NAME : XXXX XXXX BANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, UNITED STATES {$10000.00} XXXX XXXX XXXX Acct XXXX ACCOUNT NAME : XXXX XXXX BANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, UNITED STATES {$15000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX {$18000.00} XXXX XXXX XXXX, XXXX, XXXX Acct XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX {$40000.00} XXXX XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX XXXX, FL XXXX {$39000.00} XXXX XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX NE XXXX {$200000.00} PNC BANK, NATIONAL ASSOCIATION-XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX {$60000.00} Funds were credited to XXXX account after I provided them with the details from my bank. Trading went on and profits were showed at XXXX account until last Friday when their website was not available. On Monday XXXX I communicated to XXXX XXXX via XXXX XXXX and he directed me to check my spam email because he received a message from XXXX that their link failed and the problem will be fixed ASAP. In addition, they provided an alternative link where I could log into my account XXXX XXXX XXXX XXXX I checked the alternative site and almost everything looked right except few records missing. I thought while they are fixing their main link they are making records updates at the alternative site. Later today XXXX the alternative site was unreachable and after few hours there was another email apologizing for the inconvenience and providing another alternative site for account login : XXXX XXXX XXXXXXXX Now, I can not reach XXXX and believe it is a fully blown impersonator of the original XXXX XXXX extracting funds from the new traders. I have contacted XXXX and requested to recall all the wires but at this time I do not if it is possible. These banks are the biggest banks of America and they are supposed to comply with the Federal regulations to know their customers allowing these fraudsters to operate ; therefore, I believe they have insurance that shall cover this fraudulent activity. Also attempted to request a withdrawal from XXXX working new site but stopped there because I believe I just will provide them with my account data and they will attempt to steal more from me. How can you help with such a serious case of fraud committed on the land of regulated banking? | ||||||
| 08/22/2018 | Yes |
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| I took out a home equity loan in XXXX of XXXX at PNC bank. The payments were set up to automatically be deducted from my PNC account and applied to my PNC loan every month. I also was making an additional {$310.00} a month principal payment electronically each month. Starting with the 1st payment and continuing up and till XX/XX/2018 Pnc was removing the money from my account and not applying it to my loan on a route-en bases. I have been in contact with PNC loan department every month several times trying to get the payments applied to the loan properly. The agents i have spoken with had informed me that they could see the money that was taken out of my bank account and then some of it was put into a suspended account. The suspended account was not being applied to the loan and at one point there was over {$1200.00} in suspension. This amount triggered there computer system to put my account in default and they sent me a foreclosure notice on my property. All along the money was being deducted from my bank account and being held by PNC banks loan department. Since this happened i contacted another banking institution and secured a loan with them to pay of my PNC loan. The pay off completed this past Monday and i am now trying to recover an over payment that was still in suspension on the date that the pay off total was generated. There agent informed me that the payoff would not include the amount in suspension but it would be placed onto my account once it was taken out of suspension. After getting this information i was able to see that the XX/XX/XXXX payment that was in suspension had actually been released and applied to the XXXX payment date of XX/XX/2018. While reviewing this correction i found another entry on XX/XX/2018. I made a principal payment of {$310.00} and it showed as being applied to the principle of the loan. Then on the next line of my statement it showed that there was a - {$310.00} removed on the same day from the principle and to this date it has not been reapplied. There for i am owed the {$310.00} as a refund. I also requested that the early termination penalty be refunded due to all of the problems with there system and the foreclosure notice i have received. The agent XXXX XXXX in the retail escalation department informed me as of XX/XX/2018 that she had requested the early termination fee of $ XXXX.waived and that she could see that there was still {$310.00} in the suspended area that i was due as a refund. I have been reaching out to them every day including today trying to find out when these refunds would be processed and as of today 's call to the loan servicing department XXXX XXXX she was unsure when the back office department would get to these items and when or if they would be processing them for a return. I am also trying to establish that there was a {$500.00} early termination fee in my agreement but after all of the moving of payment and reapplications of payments i can not tell if this was charged and hidden inside of there system. The last statement that i had made a copy of now listed that there was {$1300.00} in late payment fees. I have no way of telling if this is where they were placing fees and when i questioned them they were unsure and that the back office people were working it all out. I have made a total of 5 regular monthly payments of {$300.00} and 4 principal only payments of {$310.00}. The reference # i was given was XXXX | ||||||
| 10/25/2022 | Yes |
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| I am the owner of an XXXX that has a checking account at PNC Bank. I regularly wire month through PNC 's Pinacle product. On XX/XX/2022 I received an email from a phished email address ( pretending to be my colleague that I regularly wire money to ), informing me that there is a new account to wire money into. I did not notice that the email address did not have the exact same domain name of my colleague. I corresponded with this person and sent approximately {$43000.00} to an account at XXXXXXXX XXXX in XXXX, SC. I found out the next day that I was a victim of fraud. I contacted PNC Bank 's fraud department and provided fraud analyst XXXX XXXX with all of the email headers and forensic email information that I was asked for. I also made an IC3 report to the FBI and was instructed by an FBI agent to ask PNC Bank to do a wire recall and provide a specific contact at XXXXXXXX XXXX a Hold Harmless letter. On XX/XX/2022 I received a voicemail from XXXX XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX telling me that he has concluded the investigation and is going to send me my money back, however he has not received a Hold Harmless indemnification from PNC Bank. I emailed XXXX XXXX to inform him of this. He did not respond. On XX/XX/2022 XXXX XXXX emailed XXXX XXXX directly and told him that he does not have a Hold Harmless indemnification for my account, and to " please send me the HHL directly so you can rectify this for your customer. '' XXXX XXXX even sent XXXX XXXX a form that he could use. XXXX XXXX did not respond. ( emails attached ). That same dayI called my PNC Branch and spoke to an assistant manager named XXXX ( I don't know his last name ) and asked him if he could contact XXXX XXXX 's boss. He told me that he would. On XX/XX/2022 I was informed by XXXX that XXXX XXXX 's boss ( who he refused to identify by name ) responded that XXXX XXXX had not yet concluded its investigation, therefore there was nothing to be done. This is a flat out falsehood. On XX/XX/2022 XXXX XXXX sent me an email stating that XXXX XXXX could do nothing further to assist me, until it received the Hold Harmless indemnification. ( email attached ). He also sent another email to XXXX XXXX regarding the HHI. Neither he nor I have gotten a response from XXXX XXXX. Also on XX/XX/2022 XXXX XXXX called me and told me that " this is the last time that I am going to talk to you. I am wasting so much time trying to get ahold of your bank to try to get your money back to you and all I need is a HHI and XXXX XXXX will not respond to me. This is unprecedented and unprofessional and I'm too busy with other cases to have to beg your bank for an HHI. I send them out all day long in order to get money back for XXXX XXXX clients. '' I then told him how frustrated I was that nobody from PNC would ( XXXX ) provide me with XXXX XXXX 's boss 's name, ( XXXX ) provide me with XXXX XXXX 's phone number, and ( XXXX ) tell me the truth about whether or not an HHI had been sent to XXXX XXXX and if so, to whom? ( I have an email from XXXX XXXX stating that he sent an HHI on XX/XX/XXXX, however he did not. When I later emailed him and asked him to whom he sent it to, he did not respond. XXXX XXXX then told me that I should make a complaint with the CFPB and also find someone high up at PNC Bank to email regarding this complete lack of cooperation in providing XXXX XXXX an HHI so that I can get my {$43000.00} back. | ||||||
| 11/20/2020 | Yes |
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| On XX/XX/XXXX, I signed disclosures with PNC bank for a $ XXXX, 30 year Interest Only mortgage with a XXXX ARM. The disclosures I signed showed a rate of 3 % with 0.425 % ( {$3100.00} ) point buydown. On XX/XX/XXXX, I received the appraisal valuing the property at $ XXXX. The bank sent me updated disclosures and revised the point buydown from 0.425 % ( {$3100.00} ) to 0.8 % ( {$6000.00} ). When I called my banker to discuss this, she stated it was based on the LTV. This was never disclosed to me. The only thing that she had stated at the time of the loan application is that if the LTV is below 65 %, the rate would be 2.875 % with a 0.3 % buydown and above 65 %, it would be 3 % with a 0.425 % buydown. I have been in contact with my banker several times over the last two weeks to have this addressed and corrected. On XX/XX/XXXX, I requested from the bank the disclosures that speak to pricing increasing based on LTV. I was referenced to the disclosure documents that has the following language with no mention that LTV would affect pricing. Below is the full excerpt : " PNC Mortgage wants to help you understand factors that may affect the pricing of your loan. Please review the information below and contact your loan originator if you have any questions regarding your loan pricing : -The interest rate and/or discount points you will pay for your loan may be affected by certain details of your loan. -For example, the amount of income you document for us and the type of documentation you provide for that income may affect your interest rate and/or discount points. -In some cases, documenting additional amounts of income or providing alternate types of documentation may result in a lower interest rate and/or discount points on your loan. '' This deceptive practice of changing the cost of the loan without disclosing that the LTV could affect the loan pricing is unfair and concerning especially since we are having issues regarding the appraisal and therefore find myself in this situation of filing a complaint as I have tried to work with the bank to address my concerns. By way of background on the appraisal, below is a summary : On XX/XX/XXXX, I received the appraisal. There were several issues noted in the appraisal as the appraiser did not make appropriate adjustments for the property such as location, comparable comps, finished & walkout basement, age, etc. The appraisers comments regarding valuations is inaccurate. He stated that the town 's inventory is generally stable and supply/demand is in balance however, the town has less than one month of inventory. Due to COVID, home prices have materially appreciated in this area and this was not taken into account by the appraiser. His valuation is below the tax assessed value. The banker agreed with my assessment and requested I file an appeal so they could order a second appraisal, which I filed on XX/XX/XXXX. Rather than order another appraisal, the collateral department had the appraiser try to rectify the issues, which are still not accurate and do not properly reflect the value of the property. In both cases, the collateral department signed off on the appraisers work as being accurate when there were multiple errors and failed to challenge his work. I had to point out the errors in the appraisal before they went back to him. I am being told that the bank will not order another appraisal despite the issues in the appraisal. | ||||||
| 07/17/2023 | Yes |
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| Hello, I have this feeling that PNC and possibly other banks are exploiting their customers who are XXXX hoping that if a certain % or customers can't return XXXX XXXX XXXX to deal with accessing their in person, that's an opportunity for PNC to loot. I am a PNC customer for decades. My home base is in the XXXX XXXX area. I started as a customer of XXXX XXXX, which was merged/acquired by PNC. I am currently in XXXX, XXXX working remotely. I have been in XXXX for about 2 years. Weeks ago, I attempted to deposit an image of a refund check from the XXXXXXXX XXXX XXXX using the PNC App. This is a simple transaction that used to work for me before. This time, it was failing with no valid error message. It must be a new version of the app that was buggy. I contacted PNC support using the PNC online system via chat. The PNC customer support person ( I don't remember his name and I can't get his name because I am locked out of my PNC online account ) made a suggestion to reinstall the PNC app on my mobile. I did so but the app kept asking for MFA code which PNC was not sending or took their time to send. After a few tries, the PNC App said the service is no longer available. Then I tried to login to my PNC account online to contact customer service via chat again. My PNC online access, like my phone PNC app, requires MFA codes. I received the MFA code via my phone and proceeded to login. That's when I was presented with a screen that said my account was suspended and to call an XXXX number that I can't call because these numbers don't work from XXXX XXXX XXXX When I received a PNC survey link in my email box, I filled it out and requested follow up call. I got the follow up call from a lady who asked a few questions. I explained my situation to her. After the call ended, I got no follow up from PNC. So now I have no way to contact PNC customer support using the app or online messaging or chat. PNC does not do email support. I went to the bank 's PNC XXXX XXXX XXXX XXXX and left a message. I was asked for some basic contact info and told someone from the " escalation '' team will contact me in a couple of days. I did get a call from their escalation team. the lady asked for ID verification. Everything checked. Then she put me on hold. The connection dropped. No one called back. I reached out to XXXX XXXX multiple time after that over days. I was basically ignored. No one called. No access to my account online or via bank app. PNC Bank ghosted me and now I am stuck in XXXX. XXXX borrowing money from friends. This feels like a scam. So now I have to pay over {$2000.00} in travel and related expenses to go XXXX XXXX XXXX XXXX to resolve this issue in person and back. I am not the only one who is experiencing this. A number of friends who are digital nomads working from other countries remotely, something that has grown popular since COVID-19. They too reported an increase in bank account access problems where they were locked out and had to travel back to deal with the issue, even though they were able to validate their IDs using MFA, mobile, email and via government IDs, but their banks refused them access under the guise of protecting their account. Please help me access my account and investigate this alarming practice. If PNC Bank is doing this to me in such a blatant manner, they must have done it to others who are XXXX XXXX XXXX. Thank you, XXXX XXXX | ||||||
| 12/06/2023 | Yes |
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| This complaint concerns PNC Bank, based in XXXX, PA. I have a XXXX child and paid his {$130.00} income taxes on his behalf via a check sent to the IRS, payable to the United States Treasury. The IRS drafted the payment out of my account via ACH draft on XX/XX/. This draft clearly appears in my online banking, but because it was an ACH draft, I never received a canceled check image. On XX/XX/ we received a letter from the IRS claiming my son had not paid his taxes. Since I did not have a canceled check, I sent the IRS a copy of my PNC bank statement showing the payment, but they did not accept that as proof, and demanded additional documentation in a letter received XX/XX/. I have been trying since then to get PNC to provide proof of this draft having been taken from my account and sent to the US Government. PNC 's customer service throughout this month-long ordeal has been appalling. I called their Choice Banking service team repeatedly, starting on the day we received the IRS letter. I was assured they would find me a routing number or other documentation of the payment for the IRS, but it was never provided. We were eventually assigned a " Retail Support Case Manager '' named XXXX XXXX This person claims to have called, left voicemails, and mailed me repeatedly, but I have a modern XXXX and there have been XXXX missed calls, XXXX voicemails, and XXXX snail mail received. I find these claims extremely dubious. It's 2023, XXXX don't just " eat '' multiple missed calls and voicemails. I have received two generic " tried to reach you '' emails from her, which I have responded to promptly, and she never replies. I have repeatedly called XXXX 's direct number, and she never answers the phone. The call is then automatically forwarded back to PNC 's general customer service. Each time the agents tell me that XXXX is working that day and they are text-messaging with her, and they transfer me back to her number. She never picks up, and has never returned any of the multiple voicemails I have left. Other agents have told me that PNC has mailed me the requested documentation, which I later found out to be untrue. Eventually I refused to speak to anyone but an escalation team member. I was finally connected with XXXX, a member of the PNC " Executive Client Relations '' team. He confirmed that, contrary to prior claims by the Choice Banking support team, there was no evidence of Proof of Payment having ever been sent to me. The only thing he could see having been mailed to me was a letter from XXXX XXXX having tried to reach me. I informed XXXX that I have XXXX evidence that XXXX has ever tried to reach me by phone as already described. XXXX apologized for this and stated he had sent an internal message to XXXX XXXX about this lack of contact. He then stated he had processed a request to mail us documentation of this payment, since he did not see any evidence of that having been done previously. I asked if it was possible to get this proof electronically as well, both for my records and to allow faster response to the IRS. XXXX stated he would look into that and follow up with me. We ended the call at that time. As I write this complaint, that phone call was 9 days ago. XXXX has never followed up with me, we still have not received any documentation about the ACH draft, and the IRS continues to add penalties and interest to my XXXX son 's taxes they claim were never paid. | ||||||
| 04/27/2020 | Yes |
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| I reported to PNC Bank that I was a victim of identity theft/fraud, stating that this had occurred on two ( 2 ) separate occasions. On XXXX20, I attempted to email spam/phishing department important documents regarding the identity theft/fraud that had taken place, however I was told that they do not handle cases of identity theft and that I needed to call. I questioned as to why I needed to call when I spoke to someone already, and that all I needed to do was email or fax the paperwork over. It was explained to me once again that I needed to call or stop into a branch, which I did question the rationale behind physically going into a branch during a national pandemic. Being that calling PNC Bank was my only option, I contacted the fraud department and spoke to a woman ( I forgot her name ) regarding the need to submit my Identity Theft Affidavit along with several other documents ( IC3 Report, Police Report, and a general letter of my rights as a victim to identity theft ). I was placed on hold several times only to be asked about issues that had nothing to do with what I was calling about. I asked the woman if the fraud department had an email address and/or fax number so that I could submit my documents. The woman told me they did not have an email or a fax number for the fraud department. This boggles my mind that a fraud department at a major financial institution wouldn't have a fax machine being that customer need a source of sending their documents in regarding fraudulent charges due to identity theft and such. As an identity theft victim, it is imperative to contact your bank ( s ), the credit bureaus, FTC, and other such entities, but even more importantly submit the documentation needed to show the fraudulent charges/changes/information/etc. Also, for identity theft victims, it is crucial to submit a letter that states that your personal information needs to be placed under specific guidelines, such as destroying prior documents obtaining reimbursements amongst other things. I send the information to one of the top-ranking executives via email, knowing that I am not going to get a response, but I am at loss as to what to do with this companies lack of email/fax service in 2020. Time is of the essence when it comes to dealing with identity theft/fraud. In the IC3 report alone, there are close to twenty ( 20 ) claims itself. In the second report that occurred most recently, there are roughly 6-8 that I saw just looking offhand. Putting this to the side will not make it go away. For the woman in the fraud department not to even look for and/or offer an alternative fax/email for me to send my documents to proves to me that PNC Bank does not care nor do they want to deal with identity based crimes of their customers. I also believe that due to the amount of money that would need to be refunded for the first case of identity theft ( {$7900.00} ) is a factor as to why they aren't acting with much concern. Most importantly above anything, the mere fact that PNC Bank is acting negligent to the rights given to an identity theft victim by law is a crime in itself. How could you intentionally not find a solution for a victim of such a devastating act? If they were going through what I am going through currently with the second count of identity theft/fraud, I am sure they would be singing a much different tune then the one they are now, which is non-existent. | ||||||
| 07/12/2022 | Yes |
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| I have an active account with PNC Bank, NA When my daughter was XXXX, I opened an account for her, with me being the primary. Like a student account, I can see her data, she can not see mine. Like a custodial account. My daughter, XXXX, is now XXXX XXXX XXXX and on her own. Last week at some point she started a job ( remote ), and ( suspected ) got scammed by that " business '' where they direct deposited {$2000.00} ( her first paycheck ) into her account, then asked her to connect their external account to hers for future deposits. Then they asked her to send back a partial amount for future disbursements or something like that. To me, an obvious scam. The her? Well, she didn't know better and got stuck by these frauds. PNC Fraud Detection caught this and locked all related accounts Because our accounts are associated, PNC locked her account, my account, and also my business account while they " investigate ''. My daughter lives in North Dakota, moved there last XXXX. There are no PNC banks there, is waiting on her new debit card, so she has no funds. When her initial deposit of {$2000.00} occurred, she used XXXX to access her funds by sending it to her fath0in-law. All of these above accounts are showing a XXXX ( {$0.00} ) balance, and they will not tell me what is going on. The issue now is 1. I can not make payroll for my business staff 2. I can not make ACH payments weekly on my line of credit 3. I can not make payments on my newly refinanced ( through XXXX ) business loan. 4. I'm now in default in a lot of areas. PNC could give a XXXX... They will not return my calls, they will not tell me what they are doing to help me as my business is losses and delinquencies are mounting. They have not offered or taken my suggestion on simply opening a new account for each, so we can have our money that is in the accounts. My personal had over {$3000.00} My business account had over {$6000.00} PNC is not taking my calls, and when I do get through, I have to go over the entire situation again like talking to a brand new out-of-high-school " agent ''. And they are running defense so I do not get to the Investigations department to find a remedy. It has been almost a week without funds and I am being forced to use the PNC Credit Card to make any sort of transaction. This is obviously in their favor because I am being charged interest on a card I am being forced to use. Needless to say I am furious. On their end, nothing but 'have a nice day '' or weekend, while they have the weekend off, and I have no one to call. I see now why people turn to violence. I plan to sue for all damages since I will be getting my credit destroyed, and my business foreclosed or seized. I worked for the past four years rebuilding my credit to a respectable XXXX points, all for nothing. But Me? I have no options whatsoever. I understand the error was caused by my daughter, but why seize my accounts? No answers from them. Why can't I simply open a new account and transfer WHAT IS MINE, into that new account? At the very least, my business account for now. I am already getting emails stating my card was declined, the ACH was declined, etc. Have I been targeted as an individual? I feel like what's happened in the past with my business is part of my continual misfortune. Maybe I should just vanish, I'm not going to ever be successful after giving my entire life to small business. | ||||||
| 10/18/2022 | Yes |
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Web | Older American |
| I and my wife have been customers of the PNC Bank for over 20 years. Early in XX/XX/XXXX, my wife got approved by the bank for an auto loan. On the strength of the PNC check, she bought a new car from XXXX XXXX, an authorized car dealership in XXXX, DE. A couple of weeks later, she was confronted with a barrage of telephone calls from the PNC Bank about some technicality regarding her auto loan. The bank wanted her to pay the difference between the approved loan and the MSRP price of the car. This meant that PNC wanted her to pay a sum of money for the cost of title, licensing, extended warranty, and other stuff. Among the Check Ready instructions at the back of the banks check was the one which stipulated as follows : The check may include costs related to tax, title, license, and extended service warranty, so long as the check is written in an amount that is within the range printed on the check and does not exceed the customer 's approved loan to value. It did not matter to those PNC Bank guys that my wife did not exceed the value of the approved auto loan. The poor woman was not only compelled to take several hours off her work schedule to answer calls from the following PNC staff, XXXX, XXXX, and XXXX XXXX but she also lost her voice in the process of talking to them. The ensuing fiasco ended with the PNC Bank bouncing its own check, thereby compelling the XXXX XXXX dealership to demand for the return of the car. A puzzling aspect of it all was that one of the PNC Bank staff, XXXX XXXX, let it slip that the bank customers were usually given the courtesy of an exception in a situation such as this one involving my wife. Asked why the same courtesy was not extended to her, the guy simply told her that she was not considered to be fit for the exception. Then, the reality struck her in the face. Obviously, my wife belongs to the minority group of Americans whose patronage is desired by corporate America, but not good enough to be treated equally with other customers that are considered worthy of all forms of courtesy. It's grossly pathetic that in the XXXX XXXX XXXX and having been a customer of PNC Bank for over 20 years, my wife could be subjected to such a shamefully discriminatory practice. " What is good for the goose is also good for the gander. '' This therefore was enough reason to confidently reject the final decision made by one XXXX XXXX XXXX on behalf of the PNC Bank on XX/XX/XXXX, when she gave my wife the ultimatum to either pay the shortfall or return the car to the dealership. What this arrogant ultimatum means for my family is that someone of my wifes caliber in XXXX is not fit to drive a XXXX brand new car. In view of this disappointment therefore, my wife and I have resolved to close our accounts, which include a XXXX XXXX XXXX savings account with the bank. We have realized that being customers of PNC Bank for more than XXXX decades can not remove the fact that we belong to a minority group of people that does not qualify to be treated equally with those other customers that are respected. The lesson here is that if my wife could be treated in this discriminatory manner by the PNC Bank, notwithstanding the fact that she has been its customer for over 20 years, then anyone among the minority group of people, and especially the XXXX community, can be a victim of the pervading corporate systemic racism in the United States of America. | ||||||
| 04/25/2020 | Yes |
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| I was a PNC Bank customer for over 10 years maintaining several accounts with them. My average balances on deposit were in the tens of thousands of dollars not including direct payroll deposits totaling well over XXXX XXXX XXXX dollars. I have never been late in making any payments nor have I overdrawn my account in those years. About a year ago I started getting service charges although my relationship type should prevent that. I called each time and explained that I should not been charged. The charges were generally credited back. However, this kept occurring. I called customer service numerous times and representatives would make some changes to my relationship type to avoid those fees, all to no avail. I then decided to close my accounts with PNC and successfully closed 2 of the 3 accounts I had. Before I could close my main working account I was charged another service fee as my balances dropped below the minimum requirement which I understood and agreed to pay when I again spoke with a bank reprehensive. Two ( 2 ) days later I was preparing to go to the bank and make a final deposit to pay the 1 service fee and noticed on-line that I had been charged {$33.00} for new checks that I never ordered. I assume one of the banks representatives in their efforts to help me by changing my relationship type must inadvertently signed me up for checks. A review of my account will clearly show that I rarely use checks and had no need to order any especially considering that I was closing my relationship and in-fact had closed two accounts already. I again contacted the bank and I was instructed to return the unused checks to a branch and the fee would be reversed. I returned the unused checks as directed and paid the 1 service fee and thought the matter was resolved. Several days latter my account had not closed and still showed the negative {$33.00} check order fee. I had to again call the bank and explain the entire circumstance. I was assured the matter would be taken care of and accepted the banks apology. Although I cant find the ladys name I spoke with I would hope a review of the banks records will show my numerous attempts to resolve this matter. Then on about XX/XX/2020 I received a letter from XXXX XXXX XXXX advising my account had been charged-off in the amount of {$33.00}. I was floored not to mention very upset. I again contacted PNC Bank on XX/XX/2020 and spoke with Ms. XXXX and again reviewed the problem with her. She advised me she could not reverse the fee and close the account. I then asked to speak with her manager who was not available after holding some time. I then filed a verbal complaint with her regarding this on-going problem. Ms. XXXX said she would ask a manager to call me and I should receive a call within 2 business days. I have not received a call. I have maintained my finances in perfect order and have a credit score over 820. I pay what I owe but I refuse to pay for something I didnt order, need or want. Then to have my account charged-off after all the calls, especially considering my past relationship with PNC Bank is beyond belief. PNC Banks continual neglect in providing me a timely remedy to an error they created may be indicative of a systemic bank problem that deserves investigation well beyond my complaint. I would appreciate any assistance and relief you can provide. Thank you in advance for your time and consideration. | ||||||
| 01/19/2018 | Yes |
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| Around XXXX, I took out a HELOC with XXXX XXXX ( XXXX ) for approximately 250k. Within a year or so, I refinanced to a larger HELOC of XXXX. The XXXX HELOC was a secondary lien to my first mortgage of approximately 600k held by XXXX. At some point in XXXX the XXXX HELOC was turned over to PNC BANK. My income started to decline in XXXX ( during the mortgage crises ). I could no longer afford the payments on my primary residence. So I looked to sell it. I listed my house for sale in XXXX or the beginning of XXXX. It was on the market for about 9 months to a year. I kept lowering the price until I received an offer for XXXX, but I owed over 1M. The lien holders ( XXXX and PNC ) agreed to release the liens and let me sell the house. I spent the last 7 years building my credit back up. My income increased over the years as the economy started doing better. At the end of XXXX, I had saved enough money for a down payment on a house for my family. One month after I purchased the new home, I was served paperwork for the court case with PNC seeking a XXXX judgment ( XXXX original balance plus XXXX in interest ). XXXX over extended me with liens on my property due to an overvaluation of my home. I believe that they did not use a third party or impartial appraiser and knowing valued the property at way more than it was ever worth. Then when PNC took over the debt, they were unwilling to work with me on settling this debt when I was in the process of selling my home. They agreed to accept 10 % of the balance owed, from the proceeds of the sale, to release the lien. I spent many hours on the phone with PNC during the short sale process to attempt to pay them more money and they did not accept it. After the short sale, PNC did not reach out to me one time in the last 7 years and just recently PNC filed a federal court case requesting a XXXX judgment. At no time during or after the short sale did PNC ever report my loan or bad debt to me or to the credit bureaus. I would not have purchase my new home if PNC would have had a collection account on my credit or if they contacted me in the last 7 years to work out a payment. PNC should have been trying to collect or settle with me during and immediately after the short sale so that I would not be stuck with a judgement, that includes an additional XXXX in interest, that I now have no way of paying. A judgement will ruin my credit and possibly make me unable to cover my current bills and mortgages resulting in the same situation I was in 7 years ago. XXXX and PNC have some responsibility here. XXXX over extended me by appraising my house for more than it was ever worth making it impossible to sell the property and cover the debts. Both XXXX and I went under because of this misstep. I lost my house and XXXX lost its business. The Government stepped in with TARP money to help banks like PNC to stay afloat and take over bad debts from other banks that went under, but it was my understanding that this TARP money was also supposed to be used by the banks to work with homeowners and cover some of the bad debt and help people that lost their houses get back on their feet so that we could all remain in a functioning society. I believe that my HELOC was granted in poor practice and I believe that PNC refusal to accept money from me years ago and not contacting me or the credit bureaus for 7 years is deceptive and harmful. | ||||||
| 03/04/2020 | Yes |
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| I applied for a job online and I get contacted with the company, they told me that I'm going to start chatting with their employees but first they give me a manager who gave me all the information about the materials things that I need for me to work with the, and told me that their company is XXXX XXXX XXXX. down here Im going to copy and paste some of the texts messages, Soon we will be setting up 2 new branches near your location.That is why we are looking for 16 new hires to work from home.Once the new branches have been built at your location, you can either chose to work in the office or continue working from home. Our office close to you will be completed estimated three months from now, so the position and job done for now is work from home till the office is completed, The office location will be disclose to you next 2 week and ( NOTE THAT ) As soon as you are confirmed qualified, you will be needing the complete office equipment to setup a mini office at home. After telling me the history and things that need here is what they send to me, Okay you scored ( 96 percent out of 100 and above average ) on the interview questions answered. Congratulations! The good news is ... .You have just been confirmed qualified for this position. You are now offered the job position ... You are HIRED! You are welcome to " XXXX XXXX XXXX. ". You are now given a chance to show your commitment, charisma, diligence and be a productive employee. After the main information regarding the job opportunity, they send this Welcome to the Company, The company will provide you with all the necessary materials including a XXXX laptop and a fast INTERNET connection which will be installed by the local vendor we have been buying from and shipped to you via XXXX next day delivery except the time tracker software which of course we are not specialized on..the cost of the time tracker is {$200.00}, And we will like you to purchase that ASAP As you have been considered by the company board..you will be needing the time tracker software to set up your mini office and start training briefing and orientation with your training supervisor first thing tomorrow morning..the time tracker software is to enable you keep accurate record of the time spent with me and your training supervisor during training. Then they send the paycheck which was on XX/XX/2020 they told me to deposit it in my account and I did after two days they told to buy XXXX cards and I did but didn't stop right there after that they send this message, but we have a little issue here of which we have resolved but now your own quota will be needed. Due to upgrade in software and equipment, the price of the software has gone up and as well equipment, based on the explanation of the vendor, and as well we just added a new equipment to the list but will really cost us a lot so i will say you are very lucky. The new equipment is the time tracker, it will automatically calculate time spent online during work period and as well we will achieve accuracy in terms of payment, this is very much expensive but due to your commitment so far we have decided to have the total fund to you to coverup for the purchase of this equipment and software. So they send another paycheck on XX/XX/2020 they wanted me to deposit in my account that when the bank said that people who send the checks are scammers so then we figured out that they were using me. | ||||||
| 08/10/2016 | Yes |
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| On XXXX/XXXX/16 I was informed by the bank via text message banking that my checking account was negative {$5.00} and was assessed a {$36.00} NSF fee the next day on XXXX/XXXX/16 which brought my balance to negative $ XXXX.Due to my work hours I am not available to go into the bank during normal bank hours to put money into my account. With that said I deposited {$40.00} into the banks ATM XXXX. I went home and and checked my text message banking and realized that my account was still negative {$1.00}. I then got out of bed and went back to the ATM at XXXX to put {$5.00} dollars into my account. According to the ATM receipt I had {$3.00} available funds at XXXX om XXXX/XXXX/16. In addition I have multiple text messages received from the bank between XXXX and XXXX that advise that the accoutn was only negative {$1.00}. I went to the ATM and deposited {$5.00} into the account at XXXX to bring my account current before the end of the day.The receipt that I received from the ATM at XXXX advised that I had an avaialble balance of {$3.00} The next morning on XXXX/XXXX/16 I was assessed a second {$36.00} NSF fee XXXX According to the branch representative that I spoke with the bank was not capable allocating ATM deposits after XXXX althoughthe receipt that I received from the ATM at at XXXX and XXXX all show that the money that I was depositing was being put into my checking account.With that said, even though I have receipts showing that my account was brought out of the negative on XXXX/XXXX/16 at XXXX according to the bank representatives that I spoke with I did not have available funds and I am supposed to to accept that the ATM receipts lied. The bank representatives also advised that a check for {$6.00} was withdrawn from the account at XXXX on XXXX/XXXX/16 - apparently after the time that I am able to put money into the account to prevent NSF fees. Since the bank put this check thru at XXXX I would have only had XXXX seconds to avoid the NSF fee but since the bank will not accept my deposits after XXXX anyway I would have no way of avoiding the fee - this is predatory especially considering that I am running to the ATM in the middle of the night to avoid fees that the bank has made " unavoidable ''. This means there is no way for me to prevent being charged NSF fees because I can be charged up to XXXX but any deposits that I make to cure the deficiency after XXXX will not be counted until the next day and at no point did the bank advise me that my deposits were not being counted as I have receipts from the ATM and text message from the bank stating otherwise. With that said I have been assessed a total of XXXX NSF fees of {$36.00} each which is a combined {$72.00}. The first fee was for due to a negative balance of {$5.00}. The next day I cured the negative balance according to the text messages and receipts ( which the bank personnel are telling me are not correct ) but still received a second NSF fee because the the bank only gave me XXXX seconds to avoid the second fee by putting thru a check at XXXX while at the same time not accepting cash deposits after XXXX. This caused account to go negative again by {$2.00} after every effort not to including depositing money into the ATM at XXXX. So now I was forced to pay another {$36.00} in fees for a {$2.00} delinquency that was impossible for me to avoid. This bank has charged me {$72.00} because of {$5.00}. | ||||||
| 05/26/2020 | Yes |
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| On XX/XX/XXXX I requested two balance transfer transactions to be processed over the phone to take advantage of the PNC promised 0 % interest rate. The transaction I have requested and authorized on a recorded line were as follows ; 1- in the amount of {$7000.00} to pay off my XXXX XXXX XXXX XXXX XXXX XXXX 2- in the amount of {$3500.00} to pay my XXXX XXXXXXXX XXXX XXXX XXXX The PNC Bank representative asked for both credit cards information and in good faith, I have provided all the requested information. They then proceeded to read me a legal disclosure clearly stating the amounts I have requested and I agreed to the above mentioned transactions. Please note that my credit limit is {$12000.00} with PNC. After adding the balance transfer fees, my balance should be XXXX + XXXX + XXXX ( Fees ) = {$10000.00} should be charged 0 % interest until XX/XX/XXXX as per the disclosure I agreed to on a recorded line. Heres what PNC processed ; 1- A balance transfer in the amount of {$7000.00} accurately to my XXXX XXXX XXXX XXXX XXXX XXXX 2- A balance transfer in the amount of {$5400.00} of unauthorized transaction. This error has caused : 1- My account PNC account to go over the limit. 2-My XXXX XXXX XXXX Balance to remain the same 3-My Credit Score to drop from XXXX or so to XXXX after I worked on it for years. After a quick research, I found out that PNC paid the {$5400.00} to XXXX and it was applied to my Credit Card. When I reached out to PNC ; they connected me to an Escalation Manager named XXXX and she opened Case Number : XXXX XXXX, pulled the recorded calls and confirmed that it was a bank error and was trying to resolve it. She left me a detailed Voicemail confirming that it was a Bank Error When I called back, I spoke with XXXX XXXX who had placed me on hold to research the issue and also confirmed it was a bank error and also had left a detailed Voicemail confirming it is a bank error. I asked to dispute the charge to help them get the funds back from XXXX, she said she had to escalate it further and thats when I first spoke to XXXX XXXX who had also confirmed on our initial conversation that it was a bank error but asked me to ask XXXX to reverse the payment. I called XXXX ; and they said the only way they can do it is by mailing me a check and that they are unable to send it back to PNC. I asked PNC to process my dispute, reverse the Balance Transfer charges, report the accurate balance to the Credit Reporting Agencies, and adjust my account status. And I will send them a check for the {$5400.00} XXXX XXXX said he would have to research options with his XXXX. XXXX XXXX called me today on XX/XX/XXXX and said that it is NOT a bank error and I have to send them the check if I want my balance adjusted, and they make no promises or guarantees to adjust my credit status. He also said that they are denying my dispute, although they know and admitted it was a bank error. When I asked him to escalate it further because it is a bank error and it is completely not fair and dishonest to deny what was previously confirmed ; he said it ends here and denied my escalation request. I ended my call with him and called XXXX the first Escalation Manager I spoke to, she said she can help me escalate it further and someone will reach out to me within 24-48 hours. This has been ongoing for long and my credit is negatively impacted due to no fault of mine. | ||||||
| 12/25/2022 | Yes |
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| On XX/XX/XXXX. I received an unsolicited call from someone named XXXX, who identified herself as a loan XXXX at PNC Bank, and asked me about the PNC HELOC that I had opened with the bank last year in XX/XX/XXXX. I told her I didn't have any questions, and ended the call. See attached .png file showing that I received an ( unsolicited ) call from XXXX XXXX XX/XX/XXXX. A few days later, on XX/XX/XXXX, I received the attached letter in the mail, stating that I was eligible to " Enjoy 2 % off your contract Annual Percentage ( APR ) for 6 months ending XX/XX/XXXX. '' See attached PDF of the XX/XX/XXXX letter ( with sample checks and my handwritten notes ). On XX/XX/XXXX, I called XXXX back, and she confirmed that I was eligible for the 2 % discount, and that my current rate was 6.79 % ( Prime - 0.21 % margin ). During that 7 minute call, XXXX explained that after my discount, my effective APR would be 4.79 % as per the terms of the letter I received. See attached call record with XXXX on XX/XX/XXXX. That same day, on XX/XX/XXXX, I XXXX down on my PNC HELOC line of credit in the amount of {$100000.00}, by depositing one of the checks attached to the 2 % offer ( check # XXXX ) into my XXXX Bank checking account ( XXXX ). On XX/XX/XXXX, I received ANOTHER letter from PNC, in the form of am email at XXXX am, reiterating the 2 % discount on my HELOC. The letters states : " This 2.0 % discount is automatically applied to your PNC Choice Home Equity Line of Credit account ending in XXXX. '' See attached PDF of XX/XX/XXXX email with 2 % discount. On XX/XX/XXXX, I logged into my PNC account, and noticed that the rate being charged on my HELOC was still 6.79 %, not the 4.79 % rate that should have been applied after the discount, and according to the rated promised by the letters. I called back XXXX and told her that the rate on my account was incorrect, and she transferred my call to XXXX XXXX in the loan servicing department. I then spoke to XXXX XXXX, who explained that she had NO RECORD OF THE 2 % DISCOUNT GOING OUT, and that I was being charged the higher rate of 6.79 %. I explained that I had the letter and offered to send it to her. She said that she could not receive emails, but that I could send a copy of my letter to a general customer service email account at " XXXX '', which I did. See attached record of call with XXXX on XX/XX/XXXX and email to the customer service email account. Later on XX/XX/XXXX, I received a call from someone named XXXX, who said that SHE DID NOT HAVE ANY RECORD OF MY CORRESPONDENCE OR THE 2 % OFFER LETTER. She then gave me a reference # XXXX, and asked me to email the 2 % offer letter to another email address ( XXXX ), which I did. See attached XXXX letter to XXXX at the email address provided. XXXX promised to look into this and call me back. She has not done so. In the meantime, my HELOC continues to show the wrong rate ( 6.79 % as opposed to 4.79 % ), and to accrue interest at the higher per diem ( {$18.00} ) instead of the correct per diem ( {$13.00} ). I have accrued over {$200.00} in interest charges at the erroneous rate over the last 11 days, with no indication that this will stop. None of my attempts to resolve this with three different people in the bank ( including the loan officer who initially solicited the loan ) have been successful. Instead, the bank has denied sending me the 2 % letter. Please help! | ||||||
| 06/29/2018 | Yes |
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Web | Older American |
| XX/XX/2018 PNC BANK HAS BEEN APPLYING splitting AND REVERSING MY last 3 PAYMENTS IN AN ERRATIC FASHION and refused for almost 4 months to credit them as of the day PNC received them. PNC RECEIVED THE PAYOFF OF MY MORTGAGE ( my last payment to them ) ON XX/XX/2018 BUT HAS NOT RECONVEYED MY LOAN AND RELEASED THE LIEN ON MY HOME. 1 ) STARTING WITH THE XX/XX/2018 {$1200.00} PAYMENT. Please see attached POSTED TRANSACTION LIST wherein the XXXX XXXX {$1200.00} PAYMENT THEY RECEIVED on XX/XX/2018 is credited as TWO payments, {$690.00} and {$510.00}, and the same day the {$510.00} part of their credit is reversed and not credited again until XX/XX/2018! Interest accrued on this {$510.00} during this period 2 ) On XX/XX/2018 PNC bank received another payment from me for {$140000.00} and again they split it and credit it as two payments, {$1000.00} and {$140000.00}, and the same day the {$140000.00} part of their credit is reversed and not credited again until XX/XX/2018! Please see attached Posted transaction list. Interest accrued on the {$140000.00} during this period. 3 ) On XX/XX/2018 I called them and received a payoff quote of {$1100.00} good until XX/XX/2018. I was told to mail it with a letter explaining I wanted the account closed and the lien released. I sent it express mail to the physical address to send express mail payments on my statement. However this PAYOFF PAYMENT WAS CREDITED XX/XX/2018 AS TWO PAYMENTS, AGAIN, {$1000.00} AND {$160.00}, AND AGAIN {$160.00} WAS REVERSED AND NEVER CREDITED AGAIN! Please see attached Posted transaction list. 4 ) I RECEIVED A STATEMENT DATED XX/XX/2018 REQUESTING A PAY {$560.00} AFTER I HAD SENT AND PNC HAD RECEIVED THE FULL PAYOFF ABOVE. 5 ) I requested on multiple occasions in XXXX and XXXX that the accounting FOR MY 3 MISAPPLIED PAYMENTS be corrected as follows a ) the full {$1200.00} I paid on XX/XX/2018 be credited as such on XX/XX/2018 b ) the full {$140000.00} I paid on XX/XX/2018 be credited as such on XX/XX/2018 c ) the full {$1100.00} Payoff I paid on XX/XX/2018 be credited as such on XX/XX/2018 and my lien released by reconveying the deed of trust and recording it and by returning to me the original note and deed of trust marked PAID IN Full. 5 ) on XX/XX/2018 PNC SUPERVISOR XXXX XXXX STATED TO ME THAT I HAD OVERPAID {$110.00} AND THAT WITHIN 10 DAYS HE WOULD ASK FOR A CHECK BE ISSUED AND LIEN RELEASED BUT THIS WAS NOT DONE 6 ) BEGINNING OF XXXX I CALLED AGAIN PNC ESCALATION DEPT AT XXXX XXXX REQUESTING FOR A RESOLUTION AS I RECEIVED A NEW STATEMENT DATED XX/XX/2018 CLAIMING I OWED {$590.00} AND A NEW MANAGER PROMISED HE WOULD STRAIGHTEN THIS OUT WITHIN 10 Days BUT THIS WAS NOT DONE AGAIN 7 ) XX/XX/2018 : a ) I DROVE TO THE PHYSICAL ADDRESS TO SEND OVERNIGHT OR EXPRESS MAIL PAYMENTS NOTED ON MY STATEMENT, where I had sent the PAYOFF, TO WIT : XXXX XXXX XXXX. , XXXX CA XXXX, ONLY TO FIND OUT IT WAS THE OFFICES OF XXXX not PNC bank. I was told that XXXX receives payments for PNC and forwards them to PNC ONLY. b ) I CALLED AGAIN PNC ESCALATION DEPT AT XXXX XXXX and was transferred to XXXX XXXX again who asked me to write a letter to close my account again and to send it to PNC Bank XXXX XXXX PA but he couldnt guarantee anything because it was beyond his control. He gave me the name of his supervisor XXXX XXXX and his number XXXX XXXX, which I called but he hasnt returned the call. PLEASE HELP | ||||||
| 11/23/2022 | Yes |
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| I had an account with Simple bank account that I chose to have and open. That company and all accounts were sold to BBVA. An account was opened at PNC when that was sold. I never authorized a PNC account to be opened on my behalf or to open one. I am appalled that a bank has permission to open an account on behalf of a customer WITH FEES. Transferring an account with no fees associated at one bank when sold to another should remain the exact same. I just logged into the account to find out that there has been a monthly fee ( for what I have no idea ) and a paper statement fee every single month. I did not authorize this account, especially one with any sort of fee- or fees- associated with the account. The schedule of fees is below- a total of {$76.00} has been stolen from me from PNC since XX/XX/XXXX. When I called immediately upon creating a login to see these charges, their answer was that a welcome packet was sent to me when the bank sold my account to PNC. I explained that I never received any sort of packet. They had an old address attached to my banking profile, while my single account had a different one attached to it. I have no idea where such a packet was sent, but the bank seems to think that that welcome packet authorizes them to take my money. I did not receive such a packet welcoming me. Nor would I understand how a welcome packet explains their use of my account at their will. Fees have changed from {$2.00} per month to an additional {$7.00} to now {$10.00} according to my research into the account use by PNC. I have used the account for five total transactions over the past 12 months, two of the five transactions were deposits automatically made. The remainder of the account use is from PNC, a total of XXXX transactions unauthorized. I did request a debit card by phone when realizing that BBVA had sold to PNC. What I did not authorize, nor was ever disclosed to me, was that this bank account has fees associated with it. When I requested my debit card no one disclosed to me any sort of fees, nor was it disclosed in the banking transfer details. I have an email stating that BBVA was selling to PNC but that is it- it does not say that I would be charged up to {$10.00} per month as a result of that sale and their action of creating a PNC account for me. I request that PNC immediately deposit my money back to me in total of {$76.00}. I would request interest rate of 7 % to account for inflation and money lost to due that interest rate. However, I will settle for a simple resolution of that money being placed immediately back into my account and if they would like me as a customer to guarantee no fees on my account. If not, I request that the account be closed as I do not authorize nor ever would authorize a bank to charge me for the privilege of being a customer with them using my account more than I do, taking my money for that privilege of their being able to dip into it and take whatever they feel is needed. Fees taken from me : XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$3.00} {$76.00} Sincerely, | ||||||
| 08/14/2023 | Yes |
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Web | Older American |
| XX/XX/XXXX I opened a money market account for my uncle. I deposited {$50000.00} in that account. It was intended to be long-term I had told the personal banker XXXX XXXX the situation that my uncle was in the hospital, and he wanted me to open a new account for him, she instructed me to take the forms to the hospital and get his signature. That is what I did. Compass bank miss placed {$50000.00} that was in a sole money market account for XXXX XXXX. ( Opened XX/XX/XXXX under the suggestion of XXXX XXXX XXXX ) Documents are enclosed with this statement along with proof that the money was returned to the originator XXXX XXXX, twice, and issued a cashier 's check. XX/XX/XXXX, Return item charge back of {$51000.00}. XX/XX/XXXX, forced paid debit of {$50000.00}. XX/XX/XXXX, Compass bank ( PNC ) issued XXXX a cashier 's check amount of {$46000.00}. ( It is noted in the police report that compass bank didnt even have a copy of the cashier 's check they obtained one requesting it from XXXX XXXX . ) The check was negotiated by XXXX XXXX at XXXX XXXX. This is {$50000.00} being returned three times. XXXX XXXX alleged that I stole the money. Police report number XXXX I had no idea of this police report until XX/XX/XXXX. At that time I was arrested and thats when I became aware of all this and was exposed to all the lies. Compass bank demonstrated extreme malpractice through all of their inconsistencies and untrue statements on this police report. They neglect to follow through XXXX XXXX the fraud department, XXXX XXXX the main banker. It is mentioned throughout the police report my involvement XX/XX/XXXX, this was way before my involvement. Apparently, my uncle had done some banking of his own with compass bank, however compass bank continues to name me as some kind of a perpetrator. On police statement, XXXX XXXX made a legal statement that she walked out to my car and obtained a signature. ( This did not happen. ) Also, on the police report were statements from XXXX XXXX XXXX division it was never followed through to determined what the outcome was. There are so many inconsistencies on the police report from compass bank, and family members. These are just some of the inconsistencies. I have the full report, I am willing to answer any and all concerns and questions. The statements are simply faults. I dont know where they would have come from as compass Bank never contacted me to clear this up. They simply took the information, XXXX XXXX was making up and apparently ran with it, making these false statements on a police report. At present time, I have a defamation lawsuit against XXXX XXXX, which is moving to my favor. Compass bank attorneys have found a loophole, and it is being dismissed for the second time without prejudice, they wanted it to be with prejudice judge is granting without. I dont have money for a good attorney I can not go up against the bank 's attorneys. The OCC has recommended I make a complaint with your agency. What I would like to see happen is compass Bank complete their responsibility and pay me back the {$50000.00} that I am being responsible to the court of Arizona. I am also requesting for a settlement, I have continuing suffering due to this mistake on behalf of compass bank, please ask me any and all questions to get a favorable resolve. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX | ||||||
| 08/10/2020 | Yes |
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| I opened a checking account with the PNC XXXX XXXX XXXX in Washington D.C. about a year or so ago ... Ever since I have been having issues with money simply disappearing my account ... Initially when I contacted PNC about it they told me there was an issue with when the merchants choose to charge my account. However there was a time a few months after I opened the account there was a situation where as I was going to pay for food the money that was in my account instantly disappeared ... PNC gave no explanation and this money wasn't reflected on my account as a debit. They made it seem like I wasnt responsible and needed to keep a personal ledger when I knew that wasnt the issue. I went into the local branch to have my statements printed and they insulted my intelligence by simply showing statements that reflect the digital ledger. Stuff like this happened a few times and eventually one time it led to a nearly fatal but debilitating car accident. That being said a few months ago. I started a new business partnership that required I keep a card on file with one of my business partners. The partner was an XXXX XXXX location in XXXX XXXX Maryland ( XXXX XXXX ). However I was getting hit with random XXXX dollar charges and when they started claiming that I didn't make payment when I know I did. This is reflective on the fact I was able to use the vehicle for work. XXXX the business partner that facilitated this can attest to this. I didn't see it come out of my account as a transaction on the digital ledger. When I contacted XXXX customer care they acknowledge this was an error in their account and they hung up which I found was weird ... After a conversation with what I can only assume was the manager of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX location it was clear that there was criminal intent behind all this craziness. I discontinued the relationship with XXXX. Switching out my card in the process so they don't have access to my account. I told PNC about it and they assured the old card they had access too was indeed closed. XXXX or not the representative who helped me actually did it is the core of this complaint because I got charged this Saturday from an XXXX location in XXXX XXXX. I have been living in laurel Maryland for literally a year and having been to Virginia beach in years ... I am also not even licensed to operate in Virginia beach as a driver ... This is important because the money leaving my account before and there was no proof of this in the digital ledger ... The best reflection of all this was some bogus XXXX dollar charge and a payment I made to the company all on the XXXX. The XXXX dollars was a late fee that they even acknowledge was an error in their system later. At the time they charged me for missed payment which was the same excuse they used when they tried to charge me again on the XXXX. That's when I decided to end the partnership. That total was XXXX. This was on XX/XX/2020 ... They charged my account on the XXXX without putting the vehicle back on the uber platform which is illegal. Called PNC to tell them to stop this and I went into a branch to change my cards. They assured me they shouldn't have access anymore. However I got charged this Saturday XX/XX/2020 XXXX which is roughly what I pay for the equipment, from a location not in the same metropolitan I'm in Virginia XXXX ... | ||||||
| 04/06/2017 | Yes |
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| In XX/XX/XXXX/XX/XX/2017, I fell victim to a check-cashing scheme. The bank I use, and used at the time, was PNC. I deposited checks from " XXXX '' for around {$3000.00} via ATM. In checking my online account, by the next business day that deposited check had posted to my account. Usually the following business day, PNC would clear the check for use. I withdrew the money and wired it overseas according to instructions via direct interaction with the teller at the PNC branch nearby. This was done a total of 7 times. I discovered that the checks I deposited via ATM were fraudulently drawn and were bogus by contacting the company XXXX XXXX XXXX directly. By this time, I had transacted a total of {$20000.00}. PNC immediately held me liable for that {$20000.00} and immediately froze mine and my wife 's accounts until I repaid that {$20000.00}. Of course I do not have {$20000.00} because as soon as I withdrew it, I sent it out via XXXX XXXX. My situation worsened when I lost my job and I am unable to locate another. Thus, my accounts were frozen, PNC wanted me to pay them over {$20000.00}, and the means I had to cover that were no longer available. Besides my stupidity at falling for this scheme, my contention with PNC is this : If they had n't cleared these checks, I never would have withdrawn money against them. The deposit would not have cleared, ergo, the money would not have been available. PNC cleared those checks usually with two business days of deposit, which, to me, signaled that the checks were legitimate and said money was available for use. I found out later that was an inaccurate assumption. If they suspected the checks as being fraudulently drawn, they should not have cleared them. Posted, yes ; cleared, no. A subsequent conversation with PNC occurred where they did state that the checks were " being investigated ''. However, the damage had already been done and PNC is now holding me liable for that amount. Further, I hold a PNC credit card with an outstanding balance of about {$7800.00}, where I could not make a payment as my available funds were locked down by PNC. My unemployment compensation was being direct-deposited into a locked account so I had no access to money needed to pay living expenses, let alone other bills. When PNC collectors called about the late credit card payment, I related the situation in full. The next business day, PNC unlocked my accounts. I logged in and made a credit card payment. So it seems that PNC opened my account to allow for a credit card payment, and then locked it down again. Given my inability to find employment and that I was essentially duped by this check-cashing scam, I am requesting help from the CFPB to intervene and to help lift that {$20000.00} debt from my shoulders. There simply is no reasonable way I 'll ever be able to make that payoff to them. I will end my banking relationship with PNC after over 20 years, but will continue to meet my responsibility in paying off the credit card debt I have with PNC. I am attaching bank statements from the time-window in question. XX/XX/XXXX shows XXXX ATM deposits and XXXX withdrawals. XX/XX/XXXX shows XXXX more deposit and XXXX more withdrawals. The final deposit amount was never withdrawn. These statements are in pdf format and I can not edit out sensitive data, so please be very discrete in how you handle this information. Thank you | ||||||
| 04/05/2017 | Yes |
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| I opted to receive an account threshold notification through PNC 's alert system to help me monitor my account as advertised ( see attached ). Whenever my balance falls below {$10.00}, I 'm supposed to receive an alert. Since I opened my account with PNC, I have always received the alert the same day my account balance fell below that threshold. However, XX/XX/2017, was an exception. While making a deposit at a branch, I inquired about not receiving the alert and was advised to contact customer service for online banking. According to the customer service representative I spoke to today, the transfer was processed on the weekend and this caused the alert not to send. However, per the transaction history on the account as well as the email they sent ( see attached ), at the close of business, the transaction that caused the overdraft posted and cleared on a weekday, Monday XX/XX/XXXX. I requested that the {$36.00} overdraft fee be waived since I did not receive an alert as usual on the day of, and the fact that no where in the advertisement, at sign up, or in the terms and conditions do they disclose or warn customers that there are times when alerts may not be sent and could result in a fee. To my dismay, I was told that the fee could not be refunded because " it 's still the customers responsibility to manage their account. '' I can not disagree with the fact that I have a responsibility to monitor and manage my account ... these alerts are supposed to help me do that, but if I do n't receive an alert when I should, then it 's not doing what they claim. I believe PNC has a responsibility to send the alerts that they promise, and if the are unable to always do so, then they should disclose to their customers that using the features they claim will help monitor your account are not 100 % guaranteed and that fees may occur in certain situations ... maybe also providing a few examples. There is even a section ( see attached ) for " important legal disclosures and information '' on the page that advertises the alerts. That would be a great place to put that kind of information, and if not there, at least in the terms and conditions that can be accessed from that section. The email I mentioned earlier even states : " to help avoid this in the future, you can register for a PNC Alert to be notified when your account balance goes below an amount you specify ... '' The irony is ridiculous, given that I am signed up, and it did me no good in this case. I take full responsibility for times when I neglect to properly manage my account and I pay my fees without complaint, however this is a time where I really believe that PNC is not taking responsibility on their end. In my situation, had the information I was told today been previously disclosed, then I would have nothing to argue, even if it was hidden in the " fine print '' of the terms and conditions. I would simply accept the fact that I did n't take the additional necessary measures to avoid such fees and pay what was due without complaint. I do n't take the time to file complaints unless I genuinely believe the institution is in error. There is often a certain deception or lack of disclosure around how some processes or features work across many financial institutions, but I think a lot of complaints can easily be eliminated if this information was disclosed. This is one of those situations. | ||||||
| 06/02/2015 | Yes |
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| I have a mortgage thru PNC financial services group since XX/XX/XXXX, XX/XX/XXXX me and my spouse had got behind XXXX months and our house was in threat of foreclosure and I entered a program to help to make a lump some amount to get back on track and that is what we did in XX/XX/XXXX and we were told my PNC that we were all caught up and owed noting. we have been since then. I recently requested a pay off statement and there was a large amount showing I has an unpaid balance of " corporate fees '' in the amount off {$1700.00} with no other explanation. I called that day to see what that was and why I owed it. the customer service rep assured me that I have no fees but a unpaid late charges in amount of {$310.00}, I told her could she please tell me what " corporate fees '' meant she placed me on hold for XXXX minutes and finally came back on line to tell me that she did see those fees " now '' and could n't tell me what they were and that a supervisor had to call me back the next day. the next day came an I received a phone call at XXXX Arizona time from a supervisor of customer service and she told me that she was sorry that she did n't know what the fees were for and that she would transfer me to the corporate office fee 's department but they were closed for the day and that she was sorry that she did n't call me sooner. I did tell her that this was an out rage that no one could help me and the me and my spouse had called numerous times and was told we owed noting. she apologized but there was noting that she could do but call me back the next day. she did and transferred me to the corporate department this rep told me that they were unpaid attorney fees for the foreclosure that I had XX/XX/XXXX I told her that I was unable to save it from that and she told me once they got ball rolling no matter how premature it was I still owed it and I told her that I was told the I owed noting when I paid the large amount to be brought back up. she told me that a new statement had been created after and that then I owed these other fees, I told her that I was never informed of these fee 's and that noting had showed up on my payment book of these outstanding fee 's she said that I would only know when I requested a pay off statement. and they she could n't tell me what they had told me XXXX years ago because that was different department and I owed attorneys fees to a attorney in the name of XXXX of XXXX, Arizona and to call them and ask what they had charged PNC for my case. I repeated that I had paid to be not in foreclosure and that I had entered in payment plan before I had to pay the large amount and she still was so rude unable to help me. I told her that I wanted to fight these charges and she began to place me on hold many times and finally said that her supervisor will go over the numbers and call me back. but I yet to have heard back. I called the attorney office and the secretary was so beyond rude and would n't let me talk I told her that I need a break down of my cases she said that it was so old that I had to request by fax. I told her that {$1700.00} was a lot for attorney fees she said that they only sent a letter out and requested a copy of the deed to call PNC but refused to tell me what else and yelled at me and said I have no idea what they charge and wont help me till I fax a letter request. XXXX XXXX mortgageloan # XXXX | ||||||
| 04/12/2022 | Yes |
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| On Sunday, XX/XX/XXXX, I noticed XXXX separate fraudulent unauthorized transactions on my online bank account totaling {$610.00} ( transactions in the amount of {$500.00} ; {$100.00} ; {$1.00} ; and {$16.00} ). I called PNC Bank customer service to report fraud activity on my checking account. The customer service representative assisted me over the telephone in filing a dispute of the charges and gave me the option of going into a PNC bank branch to get a new debit card or have XXXX mailed to me. I filed a police report on Sunday, XX/XX/XXXX. I went into a bank branch and received a new ATM debit card on Monday, XX/XX/XXXX. I also spoke with a bank customer service representative inside the bank branch who escalated my claim dispute and I was told that I would hear from someone within XXXX - XXXX hours, and that if I didn't hear from someone within that time frame to come back so that he could look further into the matter. I never received a phone call from a PNC Bank representative within that time frame. I went back to PNC bank branch on Friday, XX/XX/XXXX and met with another customer service representative who submitted another claim and assured me not to worry and that my money was insured by the bank for circumstances like fraud activity. I followed up over the phone with a customer service representative who told me that I would hear from someone within XXXX hours and that he could not issue me a provisional credit until further investigation which could take up to XXXX to 90 days. I received several letters in the mail from PNC Bank, XXXX dated XX/XX/XXXX and XXXX letters dated XX/XX/XXXX. XXXX letter stated that I notified them that I was no longer disputing the XXXX unauthorized transactions that was posted to my account- which I never told them I was no longer disputing. I received a total of XXXX separate letters stating that my dispute in the amount of {$16.00} was resolved and that I would receive credit in the amount of {$16.00} - Which I received x XXXX. And another letter stating that As noted in their XXXX XXXX Transfer XXXX XXXX, they must receive notification no later than 60 days after they sent me the first statement on which the unauthorized transaction ( XXXX ) appeared. They said they investigated my claim and determined that I did not notify them in a timely manner. They said that I was held liable for the disputed transaction ( XXXX ) that occurred later than the timeframe referenced above. I called PNC Bank customer service and was told that I am held liable for the {$600.00} unauthorized posted charges to my account that had occurred on XX/XX/XXXX and was posted on XX/XX/XXXX because the {$16.00} charge had been fraudulently occurring since last XXXX of XXXX and I didn't notice that charge until Sunday, XX/XX/XXXX, therefore they are saying I can not receive the {$600.00} that I recently noticed as fraudulent activity which was XXXX pay charges. I do not have a XXXX account and explained this to PNC. I tried contacting someone @ XXXX, but can not speak to anyone over the telephone. I even tried emailing XXXX. I have been banking with PNC for over 27 years - Loyal customer. And this is how they treat their Loyal customers. {$600.00} XXXX not be a lot of money to them, but it is to me. It's my money that I have worked hard for and I entrusted PNC Bank to insure my money for circumstances like this. | ||||||
| 06/14/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX we received a notice from PNC mortgage that our payment was increasing from {$650.00} per month to {$1200.00} per month. We immediately called the bank and let them know that we could not afford the increase. The bank was not willing to help since the property had been a rental property for longer than 2 years. In XX/XX/XXXX we received XXXX XXXX military XXXX XXXX XXXX orders to Virginia with a report date of XX/XX/XXXX. My spouse was in a year-long XXXX contract and could not relocate to Virginia until XX/XX/XXXX. We stopped paying the mortgage in XX/XX/XXXX in anticipation of paying for 2 households. InXX/XX/XXXX our real estate agent found a cash buyer who offered {$200000.00}. We quickly started a short sale application. During the application process PNC informed us of a foreclosure date of XX/XX/XXXX and that we would need to close escrow 37 days prior to that. The bank continuously asked for out of cycle bank statements which we couldnt not provide, then canceled the short sale as we fell within 37 days of foreclosure. From XX/XX/XXXX through XX/XX/XXXX, PNC continued to postpone foreclosure every 30 days. This prevented attempts to apply for another short sale. They changed the locks which kept our real estate agent from showing the property. Many failed attempts were made to contact the bank and discuss why they werent foreclosing. In XX/XX/XXXX our real estate agent found another cash buyer with a {$200000.00} offer. He was able to convince the bank to postpone foreclosure long enough to apply for another short sale and provide him with keys so the buyer could see the property. This time the application made it to the investors review group. They took close to 30 days to review the application and sale contract. The sale contract was then rejected because the buyers notary placed a stamp over the last 3 letters of my last name ( it was still completely legible ). By the time we were notified to resubmit the sale contract, we fell within the 37 day foreclosure window and the application was closed. We received a letter 1 month later stating that we reached the maximum attempts for a short sale and that no more applications would be accepted. Nobody at PNC could tell us how long we had to wait to apply for another short sale. In XX/XX/XXXX the buyer returned with the same {$200000.00} cash offer. Our real estate agent convinced the bank to postpone foreclosure long enough for the short sale application process once again. This time everything went smooth and PNC approved the short sale, postponing foreclosure indefinitely. Then it went south again ; though PNC had obtained one appraisal for {$200000.00} they ordered a Broker Price Opinion which came in at {$230000.00}. Then they insisted on a {$230000.00} sale price which is way over the market value for the condition the home is in. Our buyer rejected PNCs counter offer and canceled the sale 4 days from closing. The bank refuses to sale the house for anything less than {$230000.00}. We XXXX from the XXXX in XX/XX/XXXX and were almost left homeless because of this ordeal. PNC had reported that we were in foreclosure to the credit bureaus and our applications to rent a home were denied. We were lucky to find co-signers. The bank will not offer any solutions and our real estate agent of 10 years has terminated his services due to extreme frustration. | ||||||
| 07/25/2023 | Yes |
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| XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against PNC Bank XXXX Violation of Federal Regulations for Monday Transfer, Failure to Release Funds & Failure to Return Funds Routing # : XXXX Dear Sir/Madam, I am writing to lodge a formal complaint against PNC Bank for their failure to handle our banking affairs legally and fairly, as mandated by the Federal Reserve XXXX I bring to your attention two significant instances of grievance that demand immediate attention and resolution. 1. Breach of The Electronic Fund Transfer Act Regulation E Subsection 11 ( d ) ( 2 ) : On XX/XX/2023, we authorized PNC Bank to transfer the sum of {$9900.00} from our high yield account ( XXXX ) to pay a third-party vendor for necessary home repairs due to storm damage. However, on XX/XX/2023, the funds were deducted from our XXXX, but the transfer was not executed as intended. Despite contacting PNC Bank on XX/XX/2023, they only acknowledged the error and stated that the funds would be credited back to our XXXX on XX/XX/XXXX. As of XX/XX/2023, this amount of money is still missing and unaccounted for by PNC bank. Throughout this process, PNC Bank displayed a complete lack of communication, leaving us unaware of the issues they were well aware of. Furthermore, they refused to recredit our account or facilitate the intended transfer, thereby violating Regulation E Subsection 11 ( d ) ( 2 ). 2. Withholding of Insurance Claim Payments : Following the severe storms in California, we were entitled to receive insurance funds from XXXX to repair our home. Regrettably, PNC Bank has continuously neglected to endorse these funds, in the amount of {$19000.00}, causing considerable distress and financial hardship. Despite our repeated attempts to seek assistance in releasing the funds, PNC Bank has either denied our requests outright or deliberately delayed the process, forcing us to withdraw funds from other high-yield interest accounts. This refusal to release the insurance funds violates our legal rights as a customer and has resulted in substantial financial losses. We demand compensation for both the lost interest on our funds during this nine-week period, given the current interest rate of 4.6 %, and the earned interest we would have accrued otherwise. Additionally, due to PNC Bank 's actions, we were deprived of the {$9900.00} for five business days, resulting in a loss of interest at the rate of 4.6 %. We insist on full reimbursement for this amount. Furthermore, the distress and duress caused by PNC Bank 's actions can not be ignored. Therefore, we seek appropriate compensation for the pain and suffering inflicted upon both my wife and me. We trust that the CFPB, or the appropriate investigation committee/department , will conduct a thorough investigation into these matters and hold PNC Bank accountable for their actions. We eagerly anticipate a swift and satisfactory resolution to this distressing situation. Kindly treat this complaint with the utmost urgency, as the delays and financial losses incurred are of great concern to us. Please feel free to contact me at the provided contact details if you require any further information or clarification. Thank you for your attention to this matter. Sincerely, XXXX XXXX | ||||||
| 12/17/2021 | Yes |
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| Dear Ma'am or Sir : I had an account with XXXX XXXX for years. It worked great. Earlier this year XXXX XXXX was sold to BBVA bank, who's software wasn't as good, but was at least functional and professional looking. Then BBVA was sold to PNC. Their software -- my primary interface with their app -- looks unprofessional and scammy. It even shows me advertising. Not only that, but PNC 's software does not work. Their customer service does not respond to phone calls. Over the course of this year my banking experience has gone from pleasant to predatory. I am XXXX and suffer from XXXX XXXX XXXX XXXX XXXX. I have had a brutal 3 years, where I have been struggling with my health, career and finances. There is not a local PNC bank in XXXX XXXX. There is not an ATM that will accept a PNC deposit in my city. This wasn't a problem at XXXX XXXX, nor at BBVA -- their apps accepted checks. On XX/XX/2021 I recieved my California Stimulus check for {$600.00}. This money was needed -- I had bills to pay, including my health insurance. I went to deposit the check. The check deposit function on the app was far more difficult to use than previously, but I finally got through the photograph stage and then received the notice in the app " Mobile Deposits are not available at this time. Try again later ''. I tried again on Saturday and Sunday. The next week I reached out to tech support through their ( very hard to find in their scammy app ) chat functionality. On XXXX evening I was finally told to contact their technical support and given a number. I tried calling the number to find they were closed for the day. Thursday was XXXX. On Friday I asked for a callback from the company. The company called me, said I was next in queue and then the phone rang for 45 minutes before I gave up. By now I was getting desperate. It was the end of the month and I had bills. On Monday morning I called first thing. I was told that PNC did not accept California State Stimulus checks because of fraud concerns. I asked to speak to a manager, and I was put on hold for 15 minutes and then hung up on. I called again and finally talked to a manager, who told me the same thing. I could mail my check to them, and they would deposit it in a few weeks. I filled out my first complaint with the Consumer Financial Protection Bureau. I got a call back from a higher up manager who said that PNC 's policy was to accept California stimulus checks, that only money orders and hand written personal checks were were restricted from depositing over the mobile app. I had turned overdraft protection off in the app. Despite this, PNC allowed 3 transactions to go through, one for {$23.00}, one for {$1.00} and another for {$5.00}, and charged me a total of {$100.00} in overdraft fees. {$100.00} is a lot of money to me right now. I still haven't paid my insurance premium, which is keeping me alive. I have no compunctions describing PNC 's behavior as predatory. PNC bank has endangered my health, has severely disrupted my life, has caused real harm to me. I started this year with a bank that had worked for me for years, and I've ended it trapped with a predatory institution. They are kicking me when I am down. This bank is predatory, and should never have been allowed to buy BBVA nor XXXX XXXX. Why are you letting this bank buy everyone and get bigger and bigger? | ||||||
| 11/07/2017 | Yes |
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| I went to the drive in teller today ( XX/X/2017 ) to make a withdrawal from my checking account at PNC Bank in the amount of {$5000.00}. The teller went away to process my request and returned after a while and said that I needed to come in because of the amount. I had previously made a withdrawal at the drive thru at the same bank for {$3000.00} and it was not a problem so I mentioned to the teller that I had taken out an amount similar to that before at the drive thru and did not have a problem. He said I needed to come in and I said o.k. At this time, a police car had pulled up and was parked diagonally across the parking spaces in front of me with the engine still running and was facing the bank. I made a turn in the parking area where the police officer was and parked in a space a little closer to the bank which was just ahead of them. I went into the bank and a few of the tellers said hello as if they were all expecting me. The welcome was disingenuous and the atmosphere was suspicious. I completed my transaction at the teller without saying much. When I got outside, the officer was still there. I drove past them and went to another bank ( with a much higher interest yield ) near by to deposit my withdrawal. When I left, the officer appeared again in front of me on the road and then made a right turn at a school. I do n't know if the officer was alone or with a partner. This is not the first time something like this has happened with PNC Bank. About a month or so ago, I took out a few thousand dollars from another PNC bank and after I left, a state police car got behind me. He/She was on the road with me for a while and they eventually passed me. There has been another time where a bank manager was inquisitive about my income with the insinuation that it may not be authentic because I did not have direct deposit. I have banked with PNC for over 10 years and the last few years have been the worst. Apart from punctuations of friendly customer service, the general impression that I have gotten is that I am being racially profiled and that PNC bank discriminates against people of colour or perhaps just black people. I should be able to enjoy the fruits of my hard labour and pay off debts without being treated like some common criminal or any criminal at all. Since this is not the first time this type of incident has happened, I would like to know if PNC has placed some sort of cautionary flag on my account. I would also like to know if it is PNC bank 's policy to contact law enforcement every time a customer - any customer- makes a withdrawal of {$5000.00}, how many other customers have received the same treatment as I have when making such a withdrawal, and how many of those customers are people of colour. Later today, I went back to the same PNC bank to close my account. There were a few things I wanted to make sure had cleared first but I 'd just had it with them and just wanted to close my account. However, I learned that I would not be able to access my eStatements once I close my account and the fee for them to give it to me today would be {$5.00} per statement, so I opted to do it myself when I got home. When I tried to access my eStatements once I got home, I got a message that the feature was currently not available. My main concern is that I feel racially profiled and my child gets to unfortunately see it. | ||||||
| 02/25/2023 | Yes |
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Web | Servicemember |
| I scheduled a payment on my XXXX XXXX XXXX ( XXXX XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ). The amount was for XXXX. I accidentally selected my PNC account, which was a payment option at the time, to withdraw form. This is my savings account. Immediately upon receiving an insufficient funds email notice from PNC Bank on Wednesday XX/XX/2023 at XXXXXXXX XXXX, I realized the mistake I had made and called PNC Bank at XXXX. The call was made at XXXX and lasted for 8 minutes. I spoke with a representative, and I informed him that I inadvertently selected the wrong bank account ( I meant to select my XXXX XXXX XXXXXXXX checking ). I asked what I should do. I wanted to make sure that PNC was not going to cover the funds for me and send the money through to XXXX XXXX. I said, " If you are going to do that, then I will not make a payment out of my XXXX XXXX XXXXXXXX account, BUT I do not want to make payments out of both accounts. So please, tell me if you are just going to return these funds to my account, and I'll just pay the XXXX XXXX again out of the right account this time. '' He representative informed me that this withdrawal was denied. He said, " Your payment did not go through. It was reversed, and the money is being put back into your account. You should see it tomorrow. '' I then inquired whether there would be a late fee and asked for waiver for the mistake. He said, " There is no no late fee. We didn't send the funds through. They just go back into your account. '' I have to be honest, I felt a little uneasy because he seemed very inexperienced and didn't seem to speak english well. However, I did notice that XXXX XXXX also sent an email saying the payment failed, so I relied on the PNC rep 's statement, as well as XXXX XXXX. Both told me this payment did not go through. Now I have a situation where over XXXX was withdrawn from BOTH accounts. XXXX XXXX did not attempt a rebill and shows a failed payment from PNC. PNC shows a rebill from XXXX XXXX and the funds are taken from me. I have paid over XXXX for a bill just a little over XXXX. This is a large sum of money from me. Now I have PNC requesting that I cover XXXX that has been overdrawn. Where is my XXXX. XXXX XXXX does not give me a credit of XXXX, so that money is floating around and I am disadvantaged by its absence. I have proof that XXXX XXXX did not try to withdraw those funds from PNC again. I have proof that XXXX XXXX successfully entered an ON TIME payment from my XXXX XXXX XXXXXXXX ( because I had paid early from the PNC which told me they denied the request for payment because of insufficient funds ). So where is my money. PNC has taken money from me that XXXX XXXX does not have on file. They are threatening to make me pay late fees even though I specifically asked their rep EXACTLY what I needed to do in this situation. He said I do not need to do anything because the transaction was simply reversed. Completely false. You will see from my screenshot, PNC 's first message says the payment was denied and returned to my account no charge on Wednesday XX/XX/2023. You will see their second message that the funds were sent and I need to make a deposit to savings to cover the shortage to avoid additional fees. PNC has stolen almost XXXX at this point since XXXX XXXX doesn't show this payment from them ( see attached ) and they show I am short. | ||||||
| 01/18/2023 | Yes |
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| XX/XX/XXXX - A man gives me an electronic check from XXXX XXXX to purchase my sofa. I wait until the next day and it is posted to my account. Funds are available. ( XX/XX/XXXX ) XX/XX/XXXX - I called Pnc ( XX/XX/XXXX around noon ) to verify the funds and status of the check. XXXX and MD both from customer service tell me a posted transaction indicates that the deposits is fully processed and completed. They also said that posted indicates that the merchant has successfully collected the funds. ( I have screen shots of them writing this in our chat that I can upload ) Knowing that information, the guy then asks for a refund and no longer wants the item, so I refund him via PNC XXXX ( XX/XX/XXXX around noon ) I didnt think anything of it because I had been told by PNC that the check was posted and fully processed. This guy started to act and communicate very strangely so I called PNC back and let them know and then they told me that sounds like fraud. At that point I had already sent the XXXX as a refund. ( Around XXXX XX/XX/XXXX ) I called XXXX and they told me since I used PNC XXXX send the money that they couldnt help me but eventually I spoke with a high up supervisor and he could only help by filing a case for this the case number that he gave me for XXXX XXXX XXXX. ( Around XXXX XX/XX/XXXX ) I called PNC back to see what we could do since the XXXX XXXX were still only pending but they advised to wait until they are posted to call back and file a dispute. ( Around XXXX XX/XX/XXXX ) XX/XX/XXXX - I spoke with XXXX XXXX XXXX from PNC ( on the record ) She CLEARLY states that the check is valid, verified and fully processed. She tells me that I shouldn't worry, and that she saw a temporary hold on the check to verify, and that hold came off since they verified that it is legitimate. She reiterates several times that the check is fully processed, that the funds are fully received, verified and available. ( Conversation ended at XXXX on XX/XX/XXXX ) XX/XX/XXXX - Check bounced and came back with a {$12.00} service charge as well. I then drove straight to my local branch and met with the Branch Manager at XXXX in XXXX, XXXX She helped me file a dispute and a complaint for PNC XXXX She was very apologetic and felt horrible that PNC would give me such false information regarding this check. XX/XX/XXXX - XXXX XXXX from PNC called me and started helping me build the case to receive the refund. She too was very apologetic and understood the issue or misinformation that was given to me. At this point ( XX/XX/XXXX ), there still hasn't been a real update other than XXXX continuing to work on the case and fight to get my money back. I have proof of multiple PNC chats and phone recordings that all state very clearly that the check is valid, verified, and fully processed. For the check to be sent back as fraudulent ( after I had returned the funds to the check sender ) was extremely misleading and frustrating since PNC very clearly communicated to me that the check was verified. I would really appreciate help with this matter in making this right on PNC 's end. This was not honest or integral on PNC 's end at all. Again, please view the phone call with XXXX on XX/XX/XXXX at XXXX XXXX. This is the most clear and direct information about the check 's status. PNC should have recordings for all of the phone calls.Thank you. | ||||||
| 07/20/2022 | Yes |
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| On XX/XX/XXXX, I submitted a consumer complaint ( XXXX ) regarding a cashier 's check in the amount of {$17000.00} that was issued by XXXXXXXX XXXX XXXX Prior to me depositing this cashier 's check XXXX had been acquired by PNC bank. I went to PNC bank in early XXXX to cash this cashier 's check and I was told by the teller that the cashier 's check had been cashed even though I was holding the Cashier 's check in my hand. The teller and the manger at the bank both confirmed that I have a valid cashier 's check in my hand but since it shows cashed in their system they can't help me and that's why I filed a consumer complaint on XX/XX/XXXX On XX/XX/XXXX XXXX XXXX, Executive Client Relations Bank Officer from PNC Bank reached out to me via email and left her phone number. I called XXXX back on XX/XX/XXXX and received her voicemail which I left a message. This back and forth phone tag continued until we were able to connect on XX/XX/XXXX. During this conversation, XXXX requested the Cashier Check documents which my assistant sent over to her on XX/XX/XXXX so she could begin her investigation. I emailed XXXX again on XX/XX/XXXX and stated that I was following up from a few weeks ago as XXXX had stated she needed more time to research the teller transaction date and I was requesting an update. XXXX responded to this email on XX/XX/XXXX and she apologized for the delay but she was still gathering info and would follow up by the end of the week. XXXX did follow up via phone call that week ( XX/XX/XXXX ) and said she had some updated transaction data-routing number from a XXXX XXXX XXXXXXXX transaction that she would email over to me for my review. On XX/XX/XXXX I emailed XXXX again and told her per our call last week, you stated you would send over the updated transaction data-routing number and I have not received that information, please advise. On XX/XX/XXXX I reached out to XXXX again via email and stated that I have not received the transaction information nor have I received a response from my email that was sent on XX/XX/XXXX. Today is XX/XX/XXXX and despite my many attempts to reach resolution, I have not heard from XXXX since XX/XX/XXXX. None of my emails since XX/XX/XXXX have received a response and all communication from XXXX and PNC bank has gone silent. I submitted my original complaint on XX/XX/XXXX and now 3 months later there is no resolution, no communication, and we are in the same place we were 3 months ago which is why I'm resubmitting my complaint. I am aware that PNC has closed their case with you as of XXXX, without notifying us or providing us with the documents they stated they have for us ( we had open dialogue so there was no reason for them to close with you without notifying us, I do not believe they have sufficient documentation ). We have made several requests for these documents and they have not been provided. If PNC is not able to provide documents/proof of where this money went, then they need to pay me the {$17000.00}, that I have NOT received. As I stated before, when I walked into PNC bank in early XXXX, I had a valid cashier 's check in my hand and although their system is stating it's been cashed, they have to have transactional records of where that money went and as of today, they are not providing any information as to where this {$17000.00} has gone. Please Advise | ||||||
| 04/01/2022 | Yes |
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| On XX/XX/2022, I was sent an email for a job opportunity through the companXXXX XXXX to be a graphic designer. Through this, I had a conversation with a man named " XXXX XXXX '' ( I later found out that this was not the real XXXX XXXX by reaching out to the real man directly ). I was told that I would have an interview via XXXX XXXX to be interviewed for the position. After the interview was conducted, I was told by " XXXX XXXX '' ( The fake XXXX XXXX, that I received the job and was hired. As this continued, I was told by him that a check would be sent to me in the amount of XXXX via check, and that I would have to print it out, take a picture of it, and send it to my bank via my online banking app this occurred on XX/XX/2022. After doing this, I was told that It would be deposited into my account over the next few days ( it went in the next day ). On XX/XX/XXXX, I continued talking to " XXXX XXXX '' ( again, the fake XXXX XXXX and he told me that I would now have to send a man named XXXX XXXX ( phone number XXXX ( XXXX ) XXXX ) money through XXXX for the amount of {$1800.00} and that would cover the cost of my work equipment, because he was the " vendor that XXXX orders their graphic design equipment through ''. After doing this, A few minutes later, I saw via my PNC app that my account was in the negative - {$1600.00} ... taking the amount of my personal money that I had in my checking account. When I got in contact with " XXXX '', I told him this, and he constantly told me that the check was not fraud, and that the amount was simply sent back to the business ' bank because there was probably an error on my bank holding the amount. I got in contact with my bank, and they confirmed that they believe the check is fraud because it was a check they've never seen before, and the amount of money was being held until the given bank was able to confirm that it was an okay check. I was told by my bank that this was INDEED fraud, but they can not help me, because I sent the money out of my account through XXXX, so I would have no choice but to pay the bank back ; even though they understand that its fraud and I do not have the money that put my account in the negative. I continued to confirm " XXXX '' about this, and he continued to tell me that the check was indeed, not a fraud check. I asked him to tell me how things were looking on his end if the check was not fraud, and he ended the conversation, and never responded back to me. He even took it as far ( to prove that he worked for XXXX ) as to provide me with a contract to sign and a W-4 form. I was able to get in contact with the REAL XXXX XXXX, and he told me that this was a situation that has been happening for months, where this person has been stealing his identity to scam people. While this was going on, I was able to get the following information from the fake " XXXX XXXX '', as well a printed screenshots from each conversation we have had since XX/XX/XXXX, along with the fraud check he emailed me. Email used to contact me : XXXX XXXX Name that the conversations were held : live : XXXX Name that the XXXX XXXX XXXX sent to : XXXX XXXX XXXX Number that the XXXX XXXX XXXX sent to : XXXX ( XXXX ) XXXX I also have printed copies of every conversation that was had via XXXX XXXX and Email, along with the " Check '' that the person has sent to me. | ||||||
| 07/21/2018 | Yes |
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Web | Older American |
| XX/XX/XXXX To Whom it May Concern : In XX/XX/XXXX I opened a HELOC with XXXX XXXX XXXX. The new Bank after they were closed or bought out is PNC Bank who currently services this open HELOC. PNS Bank is whom.I am making the complaint.against. I was caught up in the Great Recession and the Real Estate Crash in XX/XX/XXXX. The HELOC lender at that time XXXX XXXX shut down the HELOC and I continued making payments.. In XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I didn't include the 1st or HELOC in the Chap. XXXX BK. I continued to pay my 1st.. Mortgage and my HELOC on my primary residence. As of this date I have paid my mortgage down from {$100000.00}. to about 35,000.. In XX/XX/XXXX I noticed that I stopped receiving the monthly statements for my HELOC. I went to my local PNC branch to make a payment in person and to find out what happened.with my monthly statements? I received a silly answer about I had filed a BK in XX/XX/XXXX ( 8 yrs. after the BK was discharged ) They explained that sending me a statement could be construed as them attempting to collect a debt that was discharged in Chap XXXX BK. Please know that for approx. 8 years after the BK was dismissed the HELOC balance has been paid down from {$98000.00}. to about {$35000.00} over this 8 year period. Statement came every month and I paid every month without a single late payment. Now after 8 years post BK XXXX, they suddenly refuse to send me monthly statements. I went into the branch for the last 3 months and have complained about no statement and have still made a payment at the Bank window in person. My complaint is without a statement every month how do I know my principal and interest is being properly credited? Then I felt this practice must be illegal and against banking regulations. I found a law that recently passed that Banks are required to send consumers statements with interest and principal compilation each month. I printed the Law out and brought it to the PNC Bank V.P. person and they called the main office and the result was they sent me a 2 inch thick package via USPS containing every statement since the HELOC inception in XX/XX/XXXX. That is not what I requested. I requested that they resume my monthly statements so that I can see my balance and payments credited. I have tried with 3 visits at the Bank. They know the Law. I have provided PNC a copy of the Law to the Bank Manager. I have very politely requested them to resume amiling me statements every month. PNC has demonstrated that they have chosen to ignore my request and ignore the Law and not send me my monthly statement. Their BK XXXX argument doesn't hold any water since they have already sent me statements for 8 years every month since the XX/XX/XXXX BK XXXX and I have mailed the payment every month for 8 years showing that I have full intentions of paying this HELOC debt. Currently when I mail a payment I have no way of knowing that the payment was credited. They won't even allow me online access to my HELOB balance because they say I must open an account to get to use online services. I am in the Dark here. I am dealing with a Bank that has stobbornly refused to mail me monthly statement in spite of being made fully aware that they are required to mail statement under Federal Banking Laws. Please guide me on how I should handle this matter. | ||||||
| 12/07/2022 | Yes |
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| I was given my closing disclosures from PNC and noticed the Grant ( {$1500.00} ) and the discount to the points ( {$350.00} ) were not on there ( XX/XX/XXXX ). I called my loan processor, XXXX, who got ahold of XXXX XXXX my morgage loan officer to find out what happened. I get a voicemail from XXXX on the XXXX stating that I was not eligible for the grant and that he just found out. He also made sure to note that it wasn't that big of a deal. This was 6 days before closing. I immediately contacted customer service and the woman I spoke to said I would get a phone call in 24-48 hours. 48 hours go by and on XX/XX/XXXX I reached back out to customer service. I was informed that no complaint was filed under my name. The woman I spoke to that time was able to transfer me to the morgage department and I eventually got ahold of XXXX XXXX, XXXX 's manager. I told him the situation and he was already aware. He said he remembered my name and he remembered telling XXXX sometime in XXXX that I was not eligible for this grant. He guaranteed me he told XXXX. So XXXX lied in his voicemail because he didn't " just find out. '' I expressed my extreme frustration over the XXXX grant that I was now not receiving and the extra XXXX I now had to spend for the discount points at closing. At this point we are 4 days away from my closing. He told me that if I would have called a couple of days ago that maybe they could have taken the XXXX off. The thing is, I did try to get ahold of someone immediately when I found out. This grant was the only reason I stuck with PNC. I think XXXX knew that too because if he would have told me when he should have, I would have switched lenders and then XXXX wouldn't have gotten his paycheck. XXXX told he would talk with his manager and call me Monday the XXXX to see what they could do. I never recieved a phone call from XXXX Monday the XXXX. I proceed to call and leave XXXX a voicemail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response. Someone from customer service ( XXXX ) called me on XX/XX/XXXX and told me she was going to forward it to the morgage department because they were unable to handle the situation. I reached out to my loan processor XXXX on the XXXX and contacted her manager XXXX XXXX on the XXXX. Both XXXX and XXXX told me they would contact XXXX and have him get ahold of me. So after all of that I finally get a phone call from XXXX on the XXXX. He told me that my complaint was closed so that's why he didn't call me back. Why would I continue to call him if I didn't still have an issue? Plus, he promised to call me Monday the XXXX with a solution. Surely from the XXXX to the XXXX ( weekend ) nothing was closed. I wasn't even in contact again with anyone from customer service til the XXXX of XXXX. So there is another lie. He told me there was nothing he could do and made some excuses. So now not only am I frustrated with being mislead to believe I was receiving a XXXX grant, but then I was blatantly ignored for 2 weeks. I am furious with the lack of professionalism from PNC. It is VERY clear I am just a dollar sign. I was taken advantage if and brushed aside. I should have been informed the moment I was found to not be eligible for the grant. This was a HUGE and I believe intentional error from XXXX. He didn't want me to find out because he wanted to get paid. | ||||||
| 07/08/2019 | Yes |
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| On XX/XX/2018 I went for an appointment scheduled at PNC BANK to receive a service provided to have some documents signed with a medallion stamp. When scheduling the appointment over the phone I was told to bring with me a photo ID, social security card, valid credit card and proof of address. I provided all of those documents in addition to more to validate my identity. During the appointment the woman who was supposed to stamp my documents after verifying who I was began making racial slurs about my hair. I am an XXXX XXXX XXXX and I was wearing braids with extensions at the time. Instead of her focusing on my paperwork she spent the hour of my appointment speaking to me in disgust about my hair. She made comments such as Is that your real hair? How do you people sleep with all of that in your hair isnt it tight? Why do you guys put that in your childrens hair, how can they stand it? etc. etc. During the end of her derogatory complaints about my XXXX hair style she denied my request for service which was the reason for my initial visit. She couldnt explain why I was denied so I asked her about procedure and if I could be provided a copy of the policy handbook. She continued to deny my requests and asked me to leave her office after I had sat there for an hour enduring the ignorant remarks she made for the primary purpose of getting my documents stamped so that I could leave but that never happened. The documents in questions were government issued series EE savings bonds ( I believe ) with a value of approximately {$2000.00}. I called customer service on XX/XX/2018. The representative took an incident report and told me there would be an investigation. I'm sorry for the inconvenience but I do not recall the representatives name. On XX/XX/2018 at approximately XXXX a person with the last name XXXX left a voicemail on my phone instructing me to contact him for additional information. On XX/XX/2018 at approximately XXXX XXXX I called XXXX XXXX XXXX XXXX, there was no answer so left a voice message. On XX/XX/2018 I attempted to reach XXXX again on the same number as I was advised to do so from the first voicemail left on my phone. I waited to receive a call back when I didn't I called once again On XX/XX/2018 ; and just as the first 2 attempts, there wasn't an answer so I left a voice message at XXXX. Moments later at XXXX I received a call from XXXX XXXX from phone number XXXX. XXXX apologized for the behavior of XXXX and PNC all together. She assured me that an investigation was in place and she would keep in contact with me throughout this process. That was the last time I spoke with and heard from her or anyone else representing PNC Bank. As time went by I took initiative to contact XXXX for an update. On XX/XX/2018 I called XXXX on the phone number XXXX as she instructed me to do after speaking with her on XX/XX/2018. She was supposed to be the direct contact I spoke with concerning this matter. I didn't get an answer so I left a voicemail at XXXX. In that voicemail I explained that I was discouraged with the lack of communication amongst us ( XXXX and I ). I informed her that I didn't have any updates and that since it had been 2 months since our previous conversation that I would be transferring this information on to the Ohio XXXX XXXX XXXX for further investigation. | ||||||
| 09/25/2021 | Yes |
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| On XX/XX/2021, I visited drive thru of a PNC Bank near my home, to make my usual mtg payment for the following month, that being XX/XX/2021. I always pay mtg and an addition principal. Sometime I receive two receipts, sometimes not. I questioned this practice at some point & was advised it depended on the teller. On Monday XXXX, I called loan servicing to advise I hadn't received a paper statement as per previous month. ( no more coupon books ). Loan servicing offered no reason, just that I could use automated service or branch. ( All my payments have been made directly to local PNC branch in my neighborhood. Rep never mentioned an issue with my mortgage account! On Friday XXXX, XXXX, I received a call from PNC stating my Mortgage for XXXX had not been received ( payment + prin made XXXX per my bank statement & their receipts ). When I advised indeed said payment was made and when, she then says that my entire payment was applied to the PRINCIPAL, which is not what was designated to the teller of PNC bank. So she then tells me " I HAVE TO '' make a mortgage payment!!!! I asked her what dept she was calling from, she then lies and makes up a fancy name. Since I have worked for a mortgage co in XXXX XXXX, I advised her she was a liar and the dept is COLLECTIONS ... .which was not disputed. She then realizes my funds were misapplied to the account & offered to expedite the issue to their escalation dept. I requested a Manager, she at first said she'd be in late, next she was off, then Mgrs are all in a meeting and I could leave a message. I declined all of the above, because this is the 2nd such incident with this Bank! She then bridged on another person in her department ( she was absolutely no help ). I hung up and called the branch Mgr where the payment was made. She will be looking into the matter. In the meantime I when to the same branch location to make XXXX 's mrtg payment but had a Mgr take my payment. The Mgr I had spoken with earlier was on a call. I came home, checked my mail and noticed I had received a nasty letter that I was delinquent. I called PNC number on that document and spoke with a young lady to advise her, ( she was clueless ) said the problem was that I MADE MY MORTGAGE PAYMENT TOO EARLY!! She proceeds to advise me that when I made my XXXX payment, it wasn't the first of the month, so that payment was applied to the principal. Obviously I am dealing with people who have no mortgage! ... Oh and the notice of delinquency has late fees etc. but the amount I paid was more, so explain why no one caught this huge issue. She then states my payment I made for XXXX will be applied to my " past due amount '' for XXXX. I feel like I am in the twilight zone. Seriously, and these people are servicing my mortgage... After finally reading my entire account, Loan servicing says payment for XXXX will be correctly applied by XXXX ... why would it take that much time! I am so mad. The local Branch Mgr will contact someone and call me Monday. I received an email from an Executive whom I will speak with Monday. This is the 2nd time. Legal action is next. They already have a pending lawsuit. I want this bank put on Notice. I have perfect credit and they keep trying to ruin it. I have never ever missed a payment. I will have to personally supervise all mortgage payments made to this bank. | ||||||
| 08/10/2022 | Yes |
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| This complaint is being filed in conjunction with a previous complaint filed on XX/XX/XXXX ( Complaint # XXXX ) which is still open at this time per PNC Bank although the investigation of fraud on 3 of my accounts has been concluded. In my original complaint I requested documentation from PNC Bank 's Executive Client Relations Department proving that the bank had 30 days to investigate the 3 occurrences of fraud that took place on 3 separate PNC accounts which were held in my name. I requested this information because all I was told by PNC after reporting the fraud was that provisional credits were being requested and that they had 30 days in which to investigate. I first asked XXXX XXXX in Executive Client Relations for the documentation on XX/XX/XXXX via voicemail and continued asking via multiple repeat voicemails but never got a return phone call. On XX/XX/XXXX, I contacted XXXX XXXX in Executive Client Relations as the investigation had been transferred to her after my complaint was filed, and she told me the only documentation available was in PNC 's Account Agreement which is given to customers when opening a new account and referred me to that for reference. Upon reviewing the agreement, the only reference to PNCs policy regarding fraud investigations was found on page 24 under the heading entitled " In case of errors or questions about your Electronic Transfers '' where it states ... .. '' We will determine whether an error occurred within 10 business days ( for verified unauthorized Non-PIN transactions, within five ( 5 ) business days ), after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days, ( for PIN point-of-sale transactions and/or Non-PIN transactions up to 90 calendar days ) to investigate your complaint or question. I f we decide to do this, we will provisionally credit your account within 10 business days ( for verified unauthorized Non-PIN transactions, within five ( 5 ) business days ) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. I complied with all of PNC 's stipulations regarding reporting of such instances of fraud immediately upon discovering the deductions from my accounts, and my complaints were escalated to their Executive Client Relations Department on XX/XX/XXXX, but provisional credits were never issued to me until XX/XX/XXXX. All of these transactions took place at Virtual Banking Machines, and, of course, were Non-PIN transactions as told to by XXXX XXXX who did divulge some of the investigation details to me in our recorded conversation on XX/XX/XXXX. As of this date, PNC has never explained to me why provisional credits were not issued within the time frame stated in the Account Agreement. I have also been told that details concerning the fraud investigation are not able to be shared with me although I have requested knowledge of where the transactions occurred as I have been told multiple locations ( XXXX, Missouri ; Michigan, and lastly XXXX, Texas ) by various PNC associates and also what type of ID was presented as I was told that one had to be presented as these transactions did not utilize any type of credit or debit cards but actually accessed 3 of my actual bank account numbers. | ||||||
| 01/06/2022 | Yes |
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| I applied for a mortgage with PNC Bank on XX/XX/2021, I first attempted to do so online, but my service provider was having an outage so I was unable to finish or submit my online application. So I called and did my application via the phone with XXXX XXXX a Senior Mortgage Loan Officer. Before starting the process I asked several questions and explained that my husband and I live in Alabama, the property we wanted to purchase was in XXXX XXXX, Ok. And that we wanted to do the mortgage conventional secondary residence, and the reason we wanted to do it as a secondary residence was because that does not require you to have income in state. I also explained that we already had a property under contract, she stated that we would not have any issues. So we completed the application via phone on XX/XX/2021, with a closing date of XX/XX/2021. On XX/XX/2021 XXXX XXXX called me after XXXX, stating that if we paid off our current lease then that will get the income to debt ratio down to an acceptable level, and then we could proceed to closing, I asked was she sure and was that all that was needed and she stated yes. On XX/XX/2021 I contacted the property management company and paid the lease in full over 4000.00. They sent me a ledger and letter on company letterhead via email saying that all of our financial obligations pertaining to the lease had been fulfilled. I sent that information over to XXXX XXXX and to the loan process at the time was XXXX XXXX, on XX/XX/2021. I started calling on XX/XX/2021 because I had not heard anything back. I was told by XXXX XXXX '' Underwriting dropped the ball, and that she had to refile and reorganize the loan and get it back over to underwriting and that she was working with her manager with her manager to expedite it '' I asked was then anything I needed to do she said no. That was the lie got every time I called for most of the week. Until I called on XX/XX/2021 and explained that we are less than a week out from closing and I needed to speak with XXXX 's manager. Her manager 's name is XXXX XXXX and he informed me on XX/XX/2021 that the issue was that the loan had been denied/cancelled because the documentation that I sent over via pertaining to the lease was not given to them, he said XXXX, told me that I explained she had not. And he stated that he was working with her to get the issue corrected. XXXX and XXXX then started trying to convince me that I needed to the loan as a primary residence. I called the main PNC Mortgage number trying to get more information on what was going on to find out that there had been at least 3 other applications that filed in my husband name that was not authorized by me or him. I emailed and called about that issue as well. When I lost the property because we could not give the seller a closing date I started asking for PNC to reimburse me my money back because the deal fell apart do to nothing on our end. I was told I could not get it all back, but I could get the appraisal fee back. I never got anything back. I got a call on XX/XX/2021 from XXXX XXXX stating that the loan not going through was my fault because I failed to provide my lease information/rent on the online application. I stated that this was a lie and I never submitted an online application. Also that the information that XXXX provided was all a lie | ||||||
| 03/15/2023 | Yes |
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| In early XX/XX/2023 I applied for a high yield savings account online. That application was declined. The stated reason was that my identity could not be verified. I then spoke to a representative over the telephone asking for explanation. I was told to apply again after lifting my credit report freeze, in place due to past identity theft. I did so and had the same result that my identity could not be verified. I called a local PNC branch and asked if I could apply in person for this account. I was told that this high yield savings account was an online offer only. I then called back to the online application center and spoke with a manager who informed me that there were proprietary reasons for this rejection but he could not divulge any of those details. I was, however, offered a money market account at an introductory percentage at the same rate as the high yield savings account rate of 4 %. I declined To my surprise I received a welcome email notifying me that I now had a money market account. I funded the account as a trial only to discover that the interest rate was, in fact, 1 %. Here are my issues with this experience. XXXX. My identity. a. If my identity could not be verified for a high yield savings account, why and how was identity verified enough for a money market account? b. As a consumer, and especially as a victim of identity theft, I have a right to know if there is any fraudulent activity or information or factors affecting my online and banking security. Precisely WHAT is preventing my identity from being properly identified? XXXX. Opening of this account. The manager ( whose name I no longer recall, should be in the record of account opening ) I spoke to over the telephone offered this account. I declined. And yet, the account was opened nonetheless. XXXX. Interest rate. Although I declined, I was offered an introductory rate equal to that of the high yield savings account, 4 %. This was clearly an enticement to open the account. As I stated, even though I verbally declined, the account was opened anyway. For that reason I funded the account just to see what would happen. As soon as I was able to see information online I quickly discovered the interest rate was, in fact, NOT what I had been told. XXXX. Accuracy of records. The mailing address shown on my Personal Settings is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX This may easily have been a typographic error I can not be sure. This was presumably obtained during one of the several telephone application attempts. However, under Customer Profile My account address has the correct address : XXXX XXXX XXXX XXXX XXXX As a result of this discrepancy, I was prevented from closing this account. XXXX. Identity Theft. As a result of this address discrepancy, all correspondence about this account could easily have been delivered to someone else. This would have compounded my risk of identity theft even further. Fortunately, my mail carrier recognized my name and delivered my correspondence to me. At least so far. As a result of this experience, I am taking the added step of documenting my concerns more extensively in this document. As I stated in my opening and as a result of my lost confidence in the honesty and integrity of PNC Bank I formally request that my account be closed effective immediately. | ||||||
| 05/03/2016 | Yes |
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| XXXX/XXXX/XXXX our names are XXXX & XXXX. we have a current loan w/pnc bank. acct # XXXX this home is for sale but has not been sold. we have never defaulted, filed bankruptcy, we are not co-on anyone else s loan. XXXX credit is XXXXplus, mine XXXXplus, ss # *********** and XXXX is XXXX. we are trying to buy a house at XXXX XXXX XXXX, XXXX ind. our current home is XXXX XXXX, ind. our mortgae guy is XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX ind XXXX locator # XXXX. # XXXX, XXXX, fax XXXX XXXXXXXXXXXX. bosses are : XXXX & XXXX. XXXXXXXXXXXX. XXXXXXXXXXXX. we have bent over backwards getting this guy the financial info. he needs to process the loan, however he is requesting unnecessary stuff & wanting personnal stuff which is not a requirement. our current loan is in good standing, yet he is going to require we sign a ss # verification form when pnc within their records for our current loan shows all that info., i myself over the last 3 months have used our SS # thru the pnc employees to pull up that info. & see it on the computer screens & verified it. but, XXXX is incessantly wanting us to sign that XXXX verification form. besides this : he wants us to sign a bunch of forms that do n't even have the pnc logo on them so when i 've ask him to stamp these forms with an official pnc stamp. he claims he ca n't he 'd be altering them. he wants us to sign a form denoting counseling for the XXXX of us but it does n't say mortgage counseling in the captain, just counseling which bothers me & he wo n't correct it or find another form. he has said i ca n't be a co-borrower without doing as he says when it comes to forms i say are illegal & i have contacted XXXX XXXX but not his other boss. stu got a raise from his employer & we faxed him the raise form. but, " now '' he wants & wants personnel info. plus, he wants us to sign a form releasing our XXXX & XXXX incomes taxes when we have already given him our XXXX & XXXX. ( i say he is trying to find something to invalidate my current co-borrower -ownership status on our 1st mortgage for some reason & not telling me that 's what he is doing which i saw is illegal. i do n't want to give away my ownership or profits from the 1st house which is XXXX ind XXXX i have pd into this house with ss benefits. or to the new house. i have every right to ownership of these houses & i object to be fraudulently tricked into giving up my rights to them by anyone. ) as i stated before pnc already has our info from the XXXX mortgage, our SS # have been verified for XXXX yrs & i can guarantee we would have corrected them if they were wrong by now. ca n't we just 'bypass '' some of these forms. does n't the federal government have a form we can sign or XXXX a mortgage guy can sign to eliminate most of the XXXX plus forms XXXX wants us to sign? this whole way of loan processing for a client who is established with a bank or mortgage co. & treated this way is criminal, i am very upset about having to sign for docs. pnc already has on file that are valid, current, up to date from our XXXX mortgage which XXXX & any underwriter can see. the only thing that has changed after XXXX is our financial situation & we 've already given XXXX all we have but we do n't have to give him personnel info which is what he is trying to do. sincerely XXXX XXXX, XXXX XXXX, ind XXXX XXXX | ||||||
| 02/10/2016 | Yes |
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| PNC Bank got sued for improper business practices during the past XXXX years. In that time, I had XXXX separate accounts that were affected. The first time PNC began to steal money from their customers, I paid approximately {$200.00} to reopen my first account after it fell negative. It fell negative because the bank was improperly charging overdraft fees to make accounts fall below zero before transactions were being processed so they would get a bonus overdraft fee ( XXXX total ) from XXXX ( XXXX ) transaction. The second time it happened ( negative {$200.00} again ) I realized what type of scam was being conducted - it was complete fraud given the technology that exists in this world ( automated/computerized time-stamping of transactions ). After the lawsuit was completed I received less than 5 % of the original amount I deposited from the first incident and still had the debt from the second incident. For the past 9 years I have been unable to open a bank account because PNC bank has a XXXX entry regarding the fraudulent debt they imposed on my account. If the lawsuit judge ruled that the bank was at fault, how come the XXXX entry has not been removed and PNC is requiring payment of the fraudulent debt? Can they be fined for this type of practice - I am sure there are many other people in the exact same situation ( just like the first time PNC started their fraudulent banking practices ). Can we give clean records back to all the people who have been affected by fraudulent business activities such as this one? Is a second class action lawsuit needed to resolve a fraudulent {$200.00} debt that never should have existed and to resolve everybody 's XXXX problem? What percentage of Americans right now are barred from using bank checking accounts because of fraudulent practices like what PNC did? What percentage of those people are minorities or non-white? Is there an abnormality or improper proportionality in this statistic? Who is in charge of fraudulent banking activity anyway? I called the PNC bank and spoke with a representative who told me the only way to fix anything is to take PNC Bank to small claims court. Why does a citizen have to take a bank to court when the United States Government has already declared that bank a thief and required them to pay up a tiny percentage of the money they stole? Why should anybody have to repay a bank to get their record clean when the US Government completely agrees with the consumer. Can the US Government fine XXXX and PNC bank for stealing from honest hard working Americans? Maybe that is why the US Economy is having a rough time - banks are stealing too much. A little fraud can go undetected for an incredibly long time but a lot of fraud is noticeable immediately. If the entire United States economy has noticed this type of fraud, are we not supposed to be able to protect ourselves from thieves inside of our own country? Is the US Government not supposed help citizens when there is a monopoly that is causing issues and grief within the public. How does a bank steal money from US citizens in the midst of a recession, then get a bail out from congress for billions of dollars, while at the same time continuously playing predator toward poor, underprivileged, and minority citizens? Is this a democracy or a fascist state? | ||||||
| 06/02/2022 | Yes |
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| A case of fraudulent misrepresentation : I was looking for rental properties on XXXX XXXX and found a place I liked and reached out to a man named XXXX XXXX. He urged me to sign a rental contract, pay the security deposit or else he would rent it to someone else ( which is actually rather common in high-demand rental markets ). I asked if I could speak with the previous tenant, to which he replied that she had died a few days prior. I found this suspicious, but the small building did have several retirement age residents publicly listed residing there. I paid the security deposit. I realized after the fact that the names did not match : the XXXX transfer was to XXXX XXXX, not XXXX. Thereafter, I looked up both names with no meaningful hits in the area. Similarly, the company XXXX XXXX, which he manages the rentals through, had no presence whatsoever. The profile on XXXX that was used to create the rental listing was also taken down. He proceeded to contact me once more by text claiming that he was offering a 15 % discount to tenants that agree to stay at least 3-12mo, but would require an additional month 's rent to unlock the discount. I did not pay this, but instead pointed out that my original and signed rental agreement explicitly has me staying a full year. After this I asked if I could see the apartment ( he deferred this question priorly ), noting that I had the week off and would be able to fully accommodate his own schedule. He said that he just had XXXX and was on a boat in XXXX and would be unable to show it to me, but noted that his son was finishing his program and would be able to show it to me the following week. I did not find this acceptable and asked if he had friends around that he trusted that could show me the apartment in his place. He refused and just said that I would have to wait until his son had the time on the coming Thursday. I later followed up and asked when specifically and he said that someone broke into his sons house and he was shot in the leg. XXXX then wanted to send me a check before noting that they stole over {$50000.00} from his bank account and he closed his account. I asked how he planned to pay me with a check if his bank account is closed, he said that he would have a friend do it. I told him to just send it by bank transfer such as XXXX or wire transfer, XXXX refused and maintained that he could only do it by check ( which would likely bounce ). I asked if he could instead just mail me the keys to the apartment and move up the lease start date accordingly, to which he refused and said I would need to wait until my contractual move in ( despite no one living there right now ). I then asked how I would receive the keys and he did not respond. That was my final communication with him. XXXX, XXXX, XXXX, and the cell providers likely have enough information to ID this man and bring him to justice ( XXXX, XXXX, XXXX, and the deactivated account behind the rental listing I responded to on XXXX ). Speaking of the phone number, he called me several times for several minutes, it is likely the case that one could triangulate his location from that. Lastly, it is patently absurd to me that upon reporting this to both PNC and XXXX XXXX XXXX that they refuse to blacklist the receiving bank account for fraudulent and malicious activity. | ||||||
| 07/24/2016 | Yes |
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| Do n't XXXX this up!! this is XXXX, email XXXXXXXXXXXX, ,back in XXXX XXXX, Consumer loan application number XXXX, XXXX bank, creul racist bank, horrid, lieimg, dishonestly, fraudulent, truth in lending law violaters, PNC BANK not only ( 1 failed to send any correspondence via, email, as promised for days ( my email is XXXXXXXXXXXX, XXXX called n and straightened, it all out .it 's never been her email, just my mother ) anyway, only after calling I got XXXX email talking XXXX about the attempt to borrow,,, the loan was denied ahead of time I suspect heavily even in the telephonic, loan processing, /PNC Bank began taking XXXX-idtheft victims, social security #, over the phone shoulda been. A Redflagg!, .I was told " maybe u should give our loan dept.a call do n't know what 's going on here blahblahblqh '' '' I presume my previous ( cfpb, ftc, reports ) have prompted yet again retaliation., also in a yet " Another racist discrimination vs a XXXX for a lousy XXXX {$1600.00}, loan as a XXXX XXXX veteran.the documents attached 'PNC is saying " credit score exception notice.provides credit and they allege an " ABILITy '' to obtain financing and the cost of credit for the loan (. E ) SCORE DISCRIMINATED, THEY SAID DESCRAPANCIES ON CALL BEFORE I GOT THE LETTER, .about a week ago I was devestated as I owe XXXX $ n taxes I 'm gon na have to do crim.acTS to get what 's needed I presume.moreover paying a nominal fee per year, or per month, until loan is paid would n't hurt me and these racist never even tendered a $ XXXX loan, nor a XXXX $ .I was heart broken I have love ones in prison, legal fees, a car, and a XXXX n can not make it!! I want away from tjis institution for denying me by females XXXX also racist they denied me a notary onetime, when I needed it bad just as XXXX bank did as well, these banks target us so we target them! they failed - ( to as similar bank ( racism, theives, ) XXXX XXXX Bank gave a in house over draw account limit of XXXX $ ) even though scammy n retaliation hurt those privileges as the Kansas enforcement unit of banks took kikback first XXXX cancelled my privileges for that n to bank with them by stealing all my cash forcing me to close it but they still kept it open XXXX keep sending me emails after I say to stop it XXXX spame, them. Pnc back has the money n I got ta have it.they have a XXXX loan center n it 's extremly racist vs our communities period! XXXX love coffee n tea, so they make it where theirs only disgusting coffee so we do n't drink .trying, attempting to make us take glasses off during visits that 's medical all that, having XXXX, doors that open up causing their doors, at XXXX XXXX $ XXXX to close up on me n the XXXX on XXXX XXXX XXXX by which I 'll be federally sueing.!! such loan prejudice caused unbelievable mental anguish n fear or life n wants to hurt to eat n robb, for clothing bilut I resisted. I DEMAND ACTION CFPB, OR ... I told them my settlment thanks to a shady corrupt racist federal court n lawyers is draggn, I 'm not gon na make it.told them I had bills n badebts, sold vs me in error by medicare to 3party crook bill buyers and I needed money bad see attached! ruthlessly denied hold pnc bank XXXX XXXX XXXX bank, XXXX accountable! For escheat, n monetary harm v XXXX, the poor, fixed income etc.people n poor neighborhoods | ||||||
| 09/27/2023 | Yes |
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| I used XXXX through my bank ( PNC ), to purchase tickets to a launch party on XX/XX/2023 from a person that contacted me and said she had tickets available. The person ended up being a scammer and stole the {$100.00} I sent them for the two tickets. The scammer blocked me and stopped replying to my messages. When I realized this, I tried to reach out to my bank but they were closed for the day. I called the next day, XX/XX/2023 and filed a dispute. I also reported the person to XXXX and made a report with the internet crimes complaint center. I also made a report with the FTC ( XXXX ). Two weeks later I get a letter in the mail from bank saying that the dispute claim was denied. I noticed that the date on that letter was from the next business day, XXXX XXXX and that they didnt really investigate the matter. No one called me or asked for any prof of my being scammed. So, I was told that I could make another dispute, which I did and told them they could contact me and I could show them proof that I was scammed because I have the whole conversation that was held with the person that scammed me and it shows they intentionally set out to scam me and had no intention on selling the tickets to me. I think they even forged confirmation that they had these tickets because I contacted the venue it was held at and they could not find the person or anyone with a similar name. That was on XX/XX/2023. Today, I received a letter in the mail that was dated XX/XX/2023. It is was obvious that my bank did not investigate the scam and once again no one contacted me. I called the number on the letter denying the claim because it said I could contact them and they would give me the information they used to rely on making their decision. I asked the person multiple times for this information and then I asked if they just blanket deny disputes if the sender sent it to the person. He put me on hold. The man then came back and said they denied my claim since I sent the money to the person. They do not consider it a scam and consider it like handing someone cash. I said it was a scam and he kept saying it wasnt and it wasnt a scam by the bank. I said I know the bank didnt scam me but this person did and I know they could attempt a chargeback and that the person commuted fraud. I asked to speak to a supervisor and he at first kept saying he could file another dispute. Finally he said he could escalate the claim and someone will call me in 24-48 hours and he couldnt transfer me to anyone. I looked into it and was able to find out that this wasnt this persons first time scamming someone but yet she was still able to use XXXX so reporting her means nothing. I know my bank is one of a few that own XXXX so they are partially responsible for not stopping people like her. I and the venue have done more investigation than my bank has. The bank doesnt lookout for its customers. XXXX doesnt either ( which my bank, PNC , is a part owner of ). The venue tried looking out for me better than my own bank. They lie about investigating the situation just to shut you up. They dont investigate if you are scammed by someone that is defrauding you. When possible I will look for a place that doesnt use XXXX and that looks out for its customers. Banks and scammers should be held liable for these actions. | ||||||
| 05/09/2017 | Yes |
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| To Whom i t May Concern : I have had a HELOC with PNC ba nk for almost 10 years. It started as a National City HEL OC but was bought by PNC B ank. I have NEVER been late with an interest only payment throughout my ENTIRE 10 year term. In XXXX of XXXX I was made aware on my credit report that I had a late payment t o PNC. After calling PNC ban k here is what I discovered : 1. My fixed rate lock 3 % HELOC underwent a rate increase to 3.5 % even though my FRL was a t Index + 0 % margin with a minimum of 3 % ( based on 3 year treasury note, currently 1.5 % ). 2. PNC ha d the wrong address and I was not getting statements or notifications of a rate change. 3. My rate change took effect in XXXX of XXXX After a lengthy conversation with the customer service rep, even thought i disagreed with any rate change, I agreed to pay the increase in rate interest amount due from the last 9 months of the increase ( it was a XXXX $ increas e ). I also increased my interest monthly auto-pay to equal the amount due with the rate increase. I however, refused to pay any late fees as I disagreed with the legality of the rate change as well as was never notified of the change. The representative told me they would submit my dispute to client relations. I never heard from PNC afterwards. In XXXX of XXXX I noticed further late payments to PNC reported on my credit. I followed up with PNC explaining to customer servic e what happened in XXXX and it turned out not only were the late fees not disputed to client relations as I was told, but the rate had changed yet again, and late fees were getting compounded monthly. After many phone calls, I finally was able to speak with someone in executive client relations, XXXX XXXX . XXXX XXXX was very polite and mentioned he would research the entire account and get back to me. Today, XXXX XXXX , XXXX I had another conversation with XXXX XXXX . He informed me that my mortgage was a VARIABLE rate, not a fixed rate, and that in fact it was within the banks justification on the loan to raise the rate based on XXXX XXXX . I was clear this was not my understanding of what kind of HELOC I had. I asked for documentation showing that the checks I cut were variable rate checks and not FRL checks, but since my checks were cut more then 7 years ago, the bank was unable to provide any documentation. He confirmed that my monthly payments HAD always been made on time, but with the increase of rate I was being charged both late fees and over the limit fees. He confirmed that the total amount in late fees was upwards of {$500.00}, and the bank has credited back {$120.00} of these fees as a courtesy. I proposed a compromise - I would split the late fees accrued with the assurance that the bank would remove any " late payment '' posts on my personal credit. As stated I have never been late on a payment to PNC in the 10 years I have been a customer. XXXX XXXX , although polite, stated that he was unable to offer any additional then the XXXX $ already credited, and that I was also unable to escalate the issue any further. After mentioning I was reporting the issue to the consumer protection bureau, he then stated he would revisit with his executive team, but the banks perspective was not going to change. | ||||||
| 04/18/2016 | Yes |
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| My mortgage servicer is PNC Mortgage. The loan has been current since inception. In XXXX XXXX, as my loan neared the 80 % LTV threshold, I contacted them to determine steps necessary to remove the PMI ( costing me ~ $ XXXX/mo ). I was told by a Customer Service Rep ( " CSR '' ) that if my principal was below 80 %, I could request the removal. Additionally, two weeks later, I received a letter in the mail from their " Insurance Administration '' department stating that I could pay for an appraisal out of my pocket ( {$500.00} ) to determine if the property had appreciated such that it was now & lt ; 80 % LTV. The appraiser they require me to use is XXXX, who is jointly owned by PNC and XXXX. For my XXXX XXXX, XXXX payment, I included an extra payment of principal ( a {$400.00} curtailment ) to lower the XXXX such that was at 79.9 %. I then contacted PNC mortgage after the XXXX payment posted to request removal. At this time, I was advised by a different CSR that I could n't request removal until my " originally scheduled & lt ; 80 % LTV '' date, which would occur with my XXXX XXXX, XXXX payment. Therefore, I had made an extra principal payment unnecessarily. Once again, I received a letter in the mail stating that I had the option to request and pay for an appraisal to evaluate my property. Upon making my XXXX XXXX payment, I contacted PNC again. The LTV is now at 79.6 % and I am past the originally scheduled date as well, per the original amortization schedule. Their response both via a CSR and in writing is that I must purchase the appraisal to confirm that the value of my property has not declined since the original appraisal. This is pursuant to loan investor guidelines. Here are my complaints with PNC Mortgage : - I am very frustrated with the inaccurate and/or misleading guidance that I received from PNC Mortgage CSR / employees. They have said different things at each time. - I have called PNC Mortgage CSRs and requested to speak to a manager or someone more senior, only to hear that none are available at this time, or to be put on hold for 15 minutes or more - without ever speaking to a manager. - Numerous times, I have requested to speak to someone in the " Insurance Administration '' department, but have been told that they " can not be spoken to ''. There is no way to actually speak to someone who knows what the proper protocol is. - With the right guidance, in actuality, I could have paid for the {$500.00} appraisal back in XXXX ( or earlier ) to prove that the property had appreciated such that LTV & lt ; 80 %. I then could have requested the removal. I would have saved myself approximately {$1200.00} in PMI fees ( 4 months x $ XXXX/mo ). Ultimately, I could have saved myself even more by the time I actually get the appraisal scheduled, completed and processed through PNC Mortgage. - There are much more cost efficient ways to get an accurate appraisal done, such as Automated Valuation Models ( which PNC absolutely already has ), or to get a Broker Price Opinion ( BPO ) which is & lt ; {$20.00}. There is absolutely no need to require their customers to pay {$500.00} for an appraisal. And that payment is made to a company that they partially own. This is clearly poorly aligned incentives for PNC Mortgage, at the expense of their customers. | ||||||
| 07/03/2018 | Yes |
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| My mother and I were co-owners of a consumer checking account at PNC Bank. My mother passed away in XX/XX/XXXX and her attorney instructed me to close this account. On XX/XX/XXXX, I called PNCs customer service number and asked how to close this account online as there are no branches in Colorado, where I live. I was instructed to send a secure message through online banking, which I did. On XX/XX/XXXX, after a bizarre message telling me that I had additional steps to take because I live outside of the US ( no idea what that was about ), I was assured via an online message that the account was being closed and that I would receive a check for the balance in 7 to 10 business days. I received a statement dated XX/XX/XXXX showing a closing transaction of {$7300.00} on XX/XX/XXXX, with a {$0.00} remaining balance. On XX/XX/XXXX, I received a letter thanking me for converting my account ( dated XX/XX/XXXX XXXX. On XX/XX/XXXX, I called customer service. I was told that the computer spits out that notice and it doesnt necessarily mean that my account was converted. I was assured that a check was in process. On XX/XX/XXXX, I called and asked for my case to be escalated as this was my XXXX contact with PNC about closing this account and getting the funds. I spoke with XXXX XXXX ( phone XXXX ). He said that checks take 6 to 8 weeks to process ( the first time anyone told me this and not what I was told in XXXX ). When that deadline had passed, I called XXXX on XX/XX/XXXX to ask for an update. He did not answer his phone and I left detailed voice messages on XX/XX/XXXX at XXXX XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. The fourth time he did not answer his phone, I pressed 0 to be re-routed to another person. That day, XX/XX/XXXX, I spoke with XXXX XXXX ( phone XXXX ) who said that a check has been mailed to my XXXX XXXX on XX/XX/XXXX and had cleared. I insisted that I have not received a check. She said that she was going to stop payment on the check and re-issue it, and assured me that she would call me with an update in 2 to 3 business days. When that deadline had passed, I called XXXX. She did not answer her phone and I left detailed voice messages on XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX and XXXX pm. The third time she did not answer her phone, I pressed 0 to be re-routed to another person. I then spoke with XXXX XXXX ( phone XXXX ). She looked into my case and said that the original check had actually not been cashed. She said she asked for a stop payment to be placed on it and a replacement check to be issued. She said that the check would be issued on XX/XX/XXXX and I could expect to receive it in 7 to 10 business days. I asked for a phone call letting me know when the check was being mailed and XXXX said that she would ask XXXX to call me when that happens. I am filing this complaint anyway because no one at PNC Bank has done what they have said they would do yet. Their M.O. seems to be to day whatever they have to in order to get off the phone, then not answer their phones or return their calls until I give up and go on to the next person. Based on my experience with them since XXXX, I have no reason to believe that they have any intention of giving me the money due me without me escalating the matter outside of PNC. | ||||||
| 08/16/2023 | Yes |
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| This is about pnc bank. There is no lawful money only credit swaps. Exhibit ( A ) Affadavid that all debts are prepaid. This will represent a morgage on a house backed by the good faith of the government. Exhibit ( B ) XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. This was a case where XXXX did not pay his morgage because the money was created out of thin air. The bank and XXXX XXXX must both put something up of value. This is called consideration legally.The bank did not. So the morgage note is null and void. Exhibit ( C ) book from federal reserve called money modern mechanics. This book states clearly banks can not not lend money. Hummm. Banks take peoples promises to pay and exchange them for credits. Basically the bank is creating a illusion to people making them think they are getting money. The bank created the money out of thin air with the crooked federal reserve. Exhibit ( D ) public law 73-10 or hjr 192 happened in XXXX when XXXX took all the lawful money gold and silver and replaced them with worthless federal reserve notes . Exhibit ( E ) beat the bankers on XXXX XXXX XXXX XXXX has a certified forsenic order under oath questioning a bank manager who represented a client saying all bank loans are fraudulent including credit cards, morgages, car loans. We need to address this matter correctly and do the correct thing. Pnc bank do not talk the XXXX to me saying tbe the bank loan was satisfactory. You are a criminal and will go to court and be charged with the Rico act and have serious consequences. Do not lie to me I am not a stupid us citizen. You will need to refund the {$35000.00} credit swap equity line plus damages as well. At this point I am willing to go to court a file the lawsuit and pay the {$420.00} to get started. If the judge even tries to side with you I will use the freedom of information act and get his surety bond information and place liens against his surety bond. If you want to take this to court and expose to the world what lies you have created let it be. I am not not going away. The first thing that happened was you charged my cestique act trust for the pre approval and then again for the approval so you started with {$70000.00} stolen from my trust against my wishes not understanding what happened. Then every month you sent me a coupon, bill, billing statement etc. The bill was all in capital letters like this.XXXX XXXX. This is not my spelling. This is my corpation name from birth certificate. Then you said please pay your bill with a check or money order. Then you redeemed the volcher and the federal reserve money payment. This is double billing and of course illegal. This is trust fraud. I have more evidence but I do not want to do all the evidence. I am just exposing your fraud to the world and social media will also get some videos made by me. You also fee simple titles so you can steal peoples homes. The homes need to be a lot em titles which is gods law not your law. Shall I continue. Lets stop here. Solve the problem. You have only 10 days to respond to the consumer finance protection bureau not not me. If not I will assume all that I stated is true. The {$420.00} is waiting on the side if I need to file the court case. Do not ly to me. I am not a XXXX. Banks have no skin in the game. Look at the banking holiday act as well. | ||||||
| 10/12/2021 | Yes |
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| I began trying to obtain a business loan to purchase and operate a XXXX XXXX in XXXX of this year so I had my financial profile screened. They mentioned that my mortgage was showing as in forbearance. I then checked my 3 bureaus report and saw that the account was not showing on XXXX or XXXX, only XXXX and that the loan payments hadn't been updated since XXXX. There was also a remark that said the loan was in forbearance ( it was back then. It has been out of forbearance for 2 years ). I contacted BBVA loan servicing end of XXXX and requested that my account be updated on all 3 credit bureaus with current on-time payments over the last 2 years and the removal of the forbearance in the remarks/comments. I received a letter from BBVA dated XX/XX/XXXX that stated the correction would be made on XX/XX/XXXX. I called the mortgage servicing team to inform them that I was in the process of applying for business loans and needed this error corrected immediately. Not only was I told I would have to wait until XX/XX/XXXX before the correction would be submitted, I was told to be happy they were doing it before XX/XX/XXXX when they usually submit the batch. I work for a bank and I know they could have pulled my account up and made the correction immediately! In spite of the urgency of the situation, my request was treated as an inconvenience to them. It is now more than 30 days past the original request date and 12 days past the date they were supposed to submit the correction. In the letter they said to give the CRA 10 days to update their files ( FCRA says they update them immediately once correct info is received ). That was 2 days ago and I still do not see the correction. Because this account is still not reporting correctly, I have been turned down for over {$150000.00} in loans for my startup business. This has devastated me and my family and has disrupted ( and perhaps completely ruined ) our chances to improve our lives and livelihood by starting a business. I would like to seek damages from BBVA for how they have created this nightmare situation. I have made the down payment for the XXXX XXXX and now I can't get the funds to finish paying for it because of them. All of the declines I have received ( 4 so far ) show my credit score as over XXXX but cite " incomplete real estate info '' or " serious delinquency in real estate '' as a reason for the decline. I need answers as to why this is still not reporting correctly with the bureaus. I even attempted to dispute the one CRA that had the mortgage listed, albeit incorrectly -- XXXX before the XX/XX/XXXX correction they were supposed to make thinking this would expedite the process. The dispute came back with the payment history updated but the " account in forbearance '' error STILL IN THE REMARKS. This is what is causing the declines in my loan requests. I would also like the names of their mortgage department supervisor, manager and all other superiors in their chain of command so that I can write a letter to them informing them of how they have failed me. Please help me find out why this still has not been corrected. I feel like they should extend a guaranteed business loan to me ( without considering any recent hard inquiries ) because of this, otherwise I will be forced to sue them. Thank you. | ||||||
| 05/28/2020 | Yes |
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| I am sorry I have to file my complaint anyway even though I could not figure out what category my issue would fit in this form. This issue is very serious to me, please kindly forward it to the correct party. Thank you very much!! Here is what happened. I have two safe-deposit boxes with PNC bank NJ. One is under my joint account with my husband in PNC XXXX NJ branch office and one is under my solo account in PNC XXXX XXXX NJ branch office. I did not tell my husband that I have a safe deposit box to myself in a different branch. He only knew about the box under the joint account of me and him. On Saturday XX/XX/XXXX, my husband needed to take something out of our box. So we went to PNC XXXX office where the deposit box is located at. The bank staffs checked everything before letting us step in the lobby. I thought we could just go ahead to go to our express box as we used to do. However, one of the staff there stoped me asking me which deposit box I would like to get access. He said, " you have two boxes, which one would you like to get access? '' Before they let us into the lobby, they've checked both my and my husband 's id and everything. They should've known by then that our safe-deposit box is express box, not the box in the vault!!, which means in fact we didn't need to go through so many steps of verification at all and we could just go ahead to the express box located outside the vault. Or they could've asked us what type of safe deposit box we have before they started the checking but they didn't. I understood during the pandemic, some procedures might have changed, so I did not ask why we had to go through so much checking that we didn't have to go through before. When we finally got into the building, I thought they have done all the checking and we could just go straight to our box without being asked with any further questions. So, If they had paid more attention when checking, they would've noticed what we have is just an express box, they probably wouldn't have had a staff member stand there waiting to walk us into the vault. This was the first mistake they made. And the second mistake was, they should've seen from their system by then, that the two boxes are in two different branch offices. Since we came to this branch office, of course we were here for the one in this office, not for the one in another office which was miles away!!. How could that staff member still ask a stupid question like " which box do you need ''?!! As everyone can imagine how much my husband got furious and flipped out after he heard from that staff that I have another safe deposit box that he wasn't aware of at all! When I opened my own account with the safe deposit box at another branch office. I was clearly guaranteed by the staff there that the bank would never disclose this information to anyone including my family members without my permission!!! I know privacy is always the number one priory for any bank to commit to their customers so I trusted PNC will protected my privacy well. That was why I decided to open my own account there instead of going to a different bank!! The stupid mistakes made by unprofessional and negligent staff members totally jeopardized my marriage. THERE IS NO WAY TO GET MY RELATION WITH MY HUSBAND BACK TO NORMAL!! | ||||||
| 05/12/2018 | Yes |
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| Vehicle repossessed on XX/XX/XXXX. Unsure of what happened I reached out to local authorities because I thought there was a theft. Was later told by local authorities the vehicle was repossessed. I then called PNC bank, whom the loan is through. I called PNC and noticed they have a warning that they are having issues where peoples credit is getting negatively impacted due to system errors. When I spoke to the representative ( same day as repossession ), he indicated that I had owed XXXX but was unsure what months were unpaid. He was able to see back only 30 days, in which he did not see a missing payment in his view. When I asked how they were going to notify he of a missing payment, he told me that PNC bank does not send anything in the mail, call or leave voicemails, and because I do not have a PNC bank account I am also unable to make payments or view my balance due online. The only way for me to know if I have an outstanding payment is to call them each time I question it. I was also told he can not accept any payments and I would need to call back another day during the week. XX/XX/XXXX, I called PNC bank back to see what I need to do in order to retrieve my vehicle back. The representative ( different person ) was then able to go back until XX/XX/XXXX for past payments. She told me that she was able to see every month from XXXX to present was paid and assumed it must be XXXX that was unpaid, though she could not see the month in her view. I asked again, how am I supposed to know if a payment was not sent in, lost in the mail, or the payment was credited to another account ; I was told again, my only option would be that I need to call each month to see if my payment had been cashed correctly. When I asked her when my payment was actually due since I never received any paperwork on my loan duration, she was unsure. I then paid the remaining {$800.00}, the remainder of what was left after the check they cashed a day later. The money was taken out of my bank account on XX/XX/XXXX. I checked with the representative if I am all set and able to pick up my vehicle, in which she told me I was.Because both representatives were unsure of when my payments were missed I logged onto XXXX and saw that my credit had been dinged for XXXX, XXXX and XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX in XXXX, MA to schedule a pick up of my car. The person whom answered the phone let me know they were closed and I could pick the car up the next day. On XX/XX/XXXX I called XXXX XXXX XXXX back to schedule the pickup per the conversation the night prior. They let me know that PNC had never sent any paperwork that my loan was paid and the car was going to auction. After I hung up the phone. I called back PNC. This time I was told that I have to pay a total {$830.00} for a finding vehicle fee plus and a fee for going delinquent. When I asked what the finding a vehicle fee was, he told me that they charge me to find locate where my vehicle is, even though my address was up to date on their system. When I let the representative know I can make the payment over the phone, I was told that is not acceptable. I was instructed to go into a XXXX XXXX and conduct a wire transfer to an account number I was given. When I asked why I couldn't pay over the phone, he was unsure. | ||||||
| 07/21/2015 | Yes |
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| I have a complaint with PNC Bank. They accepted funds for an appraisal from me when they had doubts about whether they would secure my loan, and then they did not ever give the appraisal until I complained about wanting the funds returned to me. Then they offered me a new closing date, but underwriting and the Marketing Manager were still not in agreement. They were XXXX days apart in when they would be able to offer the loan. On XXXX XXXX, 2015, XXXX XXXX sent an email sharing that we passed the automated underwriting process. Then he asked for more paperwork and verification of bank statements and employment. We sent him every document in a timely fashion ( email attached XXXX XXXX XXXX XXXX, XXXX XXXX expressed concern that my change in school districts would not pass the underwriting process and also expressed concerns about my mailing address and my address on my electronic paystubs. XXXX email attached ) On XXXX XXXX, XXXX XXXX asked for a copy of my employment verification. I sent that along with an explanation that the address on my electronic pay stubs was not changed in the past because they are never mailed to me, so I just did not change it. Then XXXX XXXX explained that he would pass all this information on to underwriting and that they require a XXXX pay stub. XXXX I would not have that XXXX. Then he asked me for payment for the appraisal in the same phone conversation as well as in emails. On XXXX XXXX I emailed XXXX XXXX and asked if the appraisal had been completed since he had basically indicated we would not be approved for our loan. He did not respond to this question. On XXXX XXXX, XXXX the Market Manager from PNC XXXX XXXX ) XXXX called to say that the appraisal was completed the same day that I paid for it and that I could have a copy. She did not offer my money back for the appraisal. She also said that I would be able to close on my first day of work, XXXX XXXX, which was the day stated in my verification letter XXXX attached ) as my first day of work. The closing date that we had approved by the sellers was XXXX XXXX and me taking off my first day of work to close seems unlikely. This is not what XXXX had said. He shared that the bank was unable to waive the XXXX day employment rule and would have to have a copy of my first paystub. XXXX email attached ) I explained that I felt PNC had treated me unfairly but taking my money ( credit card statement attached ) for the appraisal on the exact same day that XXXX expressed concern about my employment possibly not being approved by the underwriters. Even though my card was charged immediately, I was not offered the appraisal report until XXXX XXXX. The bank should have verified that they would be able to secure my loan with the information that I provided that day, before charging my credit card and ordering the appraisal. I feel that the rush to appraisal was an effort to secure the funds with no regard to the fact that they may not be able to approve my loan. I do not understand how the Market Manager can circumvent the XXXX paystub rule, but the underwriter 's will not. All I am asking is for my {$500.00} back that was collected for the appraisal fee that should not have been ordered when there was doubt about whether the bank was going to be able to loan me the funds. | ||||||
| 05/22/2015 | Yes |
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| On XXXX/XXXX/15 I filed a dispute on a transaction I saw on my bank activity because I could not remember making the transaction. I sent an email XXXX thing on XXXX/XXXX/15 asking for the dispute to be cancelled because I then remembered what the charge was for. I received an email back from XXXX XXXX XXXX informing me that my PNC XXXX Debit Card was closed as this transaction was reported as fraud. He said I would need to contact PNC to have a new card reissued. I call Customer Service on the evening of XXXX/XXXX/15 and while on hold the message said I could go online and have a new card reissued. I went online and found the debit and credit services section. I went in and found a picture of my PNC XXXX Debit Card and next to it said suspended. There was an option at the bottom to reactivate which I did. I continued to use my card all that weekend up to XXXX on XXXX. I went out to lunch on XXXX about XXXX and my card did not work. I immediately contacted PNC Bank via email and received a response from XXXX XXXX who said they would be more than happy to have a new debit card issued. I asked XXXX why I was able to reactivate my card on XXXX and use it all the way up to XXXX on XXXX and she would not answer the question and just apologized for any frustration this has caused. I asked XXXX XXXX again on XXXX why I was able to use my card for XXXX days and why did they cancel my card on XXXX without my approval? She continued to evade my questions. I then received an email from XXXX XXXX who stated when the dispute was submitted on XXXX at XXXX the debit card was closed which is untrue since I was able to use it up until XXXX. XXXX then continued to say that the investigators began working the on the initial dispute on XXXX at XXXX and they closed my card. This does not make sense since I cancelled the dispute on XXXX. I asked again why my card was closed without my approval and why I received a generic PNC Debit Card instead of another PNC XXXX Debit Card like I have had for many years. I received another email from XXXX XXXX on XXXX stating it had been an oversight that a XXXX Debit Card was not ordered and that this has been escalated to their Client Relations department and to allow XXXX business days for a call. I received an email from XXXX XXXX on XXXX at XXXX stating she attempted to contact me by phone ( came to find out they had the wrong number and did not ever ask to confirm ). XXXX asked me to call her during her working hours of XXXX - XXXX Mon - Fri. I responded back on XXXX at XXXX explaining I manage a call center and I was unavailable to talk during her working hours and email was the best form of communication. XXXX emailed me back on XXXX at XXXX stating she needed to speak to me verbally. I responded on XXXX at XXXX stating all I want is for a new PNC XXXX Card overnighted to me with the {$10.00} fee waived since all of this was an error on PNC . She never responded to my email. Today I received a letter in the mail stating she reached out to me by phone and email and never received a response from me. I will be more than happy to forward all of my correspondence with PNC including XXXX XXXX Executive Client Relations, XXXX XXXX XXXX XXXX. This whole situation has been frustrating and extremely embarrassing when my card declined. | ||||||
| 02/05/2016 | Yes |
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| My daughter set me up as a payee in PNC 's " pop money '' ( we are both PNC customers ) to send me {$35.00} she owed me. She received a set up email and payment request receipt email ( attached ). I received a text message saying she had " popped '' the money to my account. The cell phone number is the ONLY information she had to send the money ; she does not know my bank account numbers. She uses the pop money service frequently. When I told her I never received the money, she said she had a completed transaction showing in her account app. It was late XXXX 2015, and pretty much forgotten until she tried to send me money in XXXX of this year. When I never got that payment, I called PNC, and was told to check my " XXXX XXXX settings ''. When I checked, I had not selected a bank account to " RECEIVE '' funds. I did this, and the money subsequently arrived. But now I asked them what happened to the money I never received in XXXX because it dawned on me I never DID receive it. They said if I did n't get it, it went back to my daughter 's account. However, she and I both checked with the bank, and she was never given the {$35.00} back. PNC has been elusive, they tell me SHE must file the claim, then they tell her I must file the claim ; finally WE BOTH called on a conference call ( the branch tells me I must CALL to dispute or go to escalation, the phone operators tell me I must go to a BRANCH .... ) During the conference call in mid XXXX, they said the money was sent to a XXXX XXXX account. Nobody in my family has ANY accounts with XXXX XXXX. I did check my other ( non-PNC ) account to make sure I did n't get the {$35.00}, it shows nothing. PNC agreed to investigate ( this is after many phone calls and trips to the branches where notes were supposedly make in her account ). She received a letter this week ( attached ) saying they closed the investigation because she sent the money, and someone at XXXX XXXX received it and it was a concluded transaction. They told her to contact XXXX XXXX and gave her a trace #. Nobody we know has accounts at XXXX XXXX. XXXX XXXX, predictably, will not talk to either of us about their account holders when we do n't have a name, account number, or anything, and ARE NOT CUSTOMERS. I tried to tell PNC this was an exercise in futility, but they refuse to accept any responsibility for the missing money, and instead blame my daughter for setting up the transfer incorrectly. SHE HAD NO ACCOUNT NUMBERS and used my cell phone for the transfer ; I did receive a text message saying the money was coming to my account, but at no time did I receive an email or anything that indicated I needed to accept the money. I ca n't wire money. She ca n't wire money! PNC is the one who sent the money somewhere, and now refuse to do anything about crediting it back to my daughter. Phone calls are futile, visits to the branches are futile, " escalating the claim '' has also proven futile. Now, while I know this is " only '' {$35.00}, if they are doing this to us, HOW MANY OTHER people are they doing it to?? They gave the money to someone, and I 'd like someone to figure out a way to get it back. I do n't know if it was PNC, I do n't know if it was Pop Money, but someone knows something here and refuses to respond in a satisfactory manner. | ||||||
| 11/16/2021 | Yes |
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| XX/XX/XXXX *Date and $ amount is approximate. See Attached [ ATTM ] for copies of actual documents for my complaints of this case. { This is a complaint against PNC Banks corrupt business practice conspired with XXXX and previously filed a complaint against XXXX ( Cross References [ XXXX ] Complaint ID XXXX and XXXX ; dated XX/XX/XXXX ). These complaints are against PNC Bank and XXXX. On XX/XX/XXXX, we applied for mortgage PNC Bank loan # XXXX On XX/XX/XXXX, we received conditional approval for the loan. On XX/XX/XXXX, we were asked to pay {$540.00} for the appraisal and credit report. PNC Bank told us to sign a waiver of receipt for the amount we paid. We were notified via emails by the PNC Bank that our property have 4 ( four ) liens : ( 1 ) $ XXXX [ ATTM XXXX ] ; ( 2 ) $ XXXX [ ATTM XXXX ] ; ( 3 ) {$3800.00} [ XXXX XXXX and XXXX, XXXX XXXX ] ; ( 4 ) {$890.00} [ XXXX XXXX, XXXX. ] We replied back to PNC that we know nothing about $ XXXX and $ XXXX debts and the other debts from XXXX and XXXX have been discharged on XXXX XXXX, XXXX, by the Federal Bankruptcy Court Case No. XXXX. We researched lien on our property and there are none recorded and no property lien judgment was entered. PNC Banks XXXX XXXX Default judgment in XX/XX/XXXX was superseded by XX/XX/XXXX, State Courts judgment Indefinitely continued- Indiana XXXX Court Case No. XXXX XXXX XXXX, XXXX. ] and immediately followed by Order of Federal Bankruptcy Court on XXXX, XXXX, XXXX Discharged XXXX and XXXX. [ XXXX XXXX ]. No creditor filed in the federal bankruptcy court for their claim of money or dispute. [ XXXX XXXX ]. CONCLUSION : 1. PNC Bank should have a title search before giving us Conditional Approval and took ~ {$600.00}. from us. Had PNC Bank done that we will not pay the fees to continue the loan process. 2. PNC Bank contacted the discharged debtors without our consent. PNC Bank and discharged debtors ( XXXX, and XXXX ) conspired to claim lien and money to get paid from a new loan in progress as the conditional of the loan is amounts to a conspiracy to commit fraud and violation of XXXX. [ XXXX XXXX, XXXX. ] 3. Lien Holder must sign and certify the release/waiver of lien unconditionally [ XXXX XXXX. ] 4. Copy of XXXX XXXX as follow ( PNC Bank officer wrote ) : ================================================================== XXXX, XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX To : cc XXXX Cc : " XXXX, XXXX '' XXXX, `` XXXX, XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX '' XXXX As I explained before, you have three options : 1. Pay the liens off with the proceeds of the new loan. If you want to go this route, let us know by Monday so we can finalize everything and get this closed for you by the end of the month. 2. Petition the court to have the liens removed and once they are removed, reapply for the loan. The appraisal is good until XX/XX/XXXX so if we go past that date, we will have to get it updated and there will be a fee for that. 3. Cancel the loan and we will request a refund of your appraisal fee but my boss was very clear that even though we request it, we are not stating it will be refunded. We have a team that decides whether the fee can be refunded. [ Quoted text hidden ] [ Quoted text hidden ] ================================================================== | ||||||
| 05/26/2015 | Yes |
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| In XX/XX/XXXX, I received a loan modification through PNC Mortgage. my interest rate drop from five and a half percent to 3 percent. The rate was good until XX/XX/XXXX. Myinterest rate went up to 6 % increasing my house payment XXXX dollars a month. I applied for XXXX loan modifications in the past year I was denied each time. their explanation to me is that I do not qualify for a loan modification do to me making too much money in my gross income. they also state that my private investor does not participate in loan modifications where they can adjust my interest rate or do anything with the principal balance. my loan is not backed up by XXXX XXXX or XXXX XXXX therefore I do not qualify for a Harp. At the time of my last loan modification they ordered a appraisal on my house. The appraisal came back at {$240000.00} and valance on my home is XXXX XXXX and XXXX XXXX dollars. there is no way I can refinance my home at this time with a {$65000.00} negative equity. I can not afford the additional monthly payment with all the rest of my bills. I feel like I 'm being treated unfairly because this interest rate of 6 % is not even the going rate as far as today and they will not do anything to adjust it. I have never missed a payment and have a XXXX credit score. I have a job with the XXXX with XXXX clearance and have been with this company for XXXX years What is even more frustrating is that PNC mortgage has told me if I start missing payments then there might be something they can do for me if they see that I can not afford monthly payment. so in other words they want me to ruin my credit score before they help me. I did not ask for my loan to be controlled by a private investor where they make the decisions and guidelines of how they want their business to be handled. if my loan was backed up by XXXX XXXX or XXXX XXXX I would not be in this situation. As I have mentioned before, I am being treated unfairly because they see that they 're making an additional {$500.00} a month interest free from me and will not do anything to adjust my interest rate so I can afford my house payment. I have contacted the private investor which is XXXX XXXX Bank and they have emailed me back to tell me that they do not handle any loan information and stay in contact with PNC Mortgage. I can not believe that no one is willing to help me in trying to come up with a solution so I can stay in my home and not have to go to foreclosure. PNC mortgage also told me that I need to liquidate my house and put it on the market if I am going to start missing payments. What kind of customer service is that ready to put me out on the street. they are willing to take a {$65000.00} loss then try to keep someone in their own home that has never missed a payment. I have talked to all kinds of Representatives in a loss mitigation department and everyone tells me it 's because they show my gross income is within the XXXX percent ratio of their guidelines. My net income is less than half of what my gross income is. The little bit of money I have in my savings account is from a loan that I had to take out last year to help pay bills.All these things I am Telling You they already know and everything has been documented and they have copies of everything but yet they still will not help me. | ||||||
| 05/17/2022 | Yes |
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| As a member of PNC bank for nearly 25 years, I had never been so humiliated, embarrassed and hysterically afraid in my life! I visited my local PNC branch to withdraw an undisclosed amount of cash from my savings account to purchase a vehicle on XX/XX/2022. I noticed all the offices were occupied with customers or empty so I preceded to wait in line for a teller. There were 2 customers being waited on with the 2 tellers behind the counter, 3 customers waiting in line ahead of me & 3 others that I noticed come in after as I was waiting. The line was moving quickly up until my turn. When the teller called me up, I handed my Drivers License, Bank Card & withdrawal slip. She confirmed with me the amount and kinda stalled typing something in the computer. As I waited, I noticed a couple offices had cleared of customers. One of the ladies came out & went behind the counter looking at me & the tellers computer as she bypassed us. Then the teller says she needed to count the funds. I watched her walk to the money counting machine behind her to count. When she returned back to the computer she begin typing something again. At that time a gentleman came out of 1 of the offices to approach her. She explained to him that I was attempting to withdraw & disclosed the amount. He looks at me, says okay then started typing something then walked back towards his office. About 3mins. Im looking in the mirrors above & notice the customers that were behind me already gone & others in line but also notice the police was called & were piling through the lobby doorway. A couple XXXX men cops & a XXXX XXXX women cop whom approached the counter right next to me. As they were coming in the teller then decides to start counting the money out to me. I was so frantically nervous although I had done nothing wrong, I lost count. I could see the cop looking at me as if she was trying to intimidate and then hear someone telling her it was a false alert. I asked the teller to start over counting. And, tried my hardest to keep my composure. I felt like I had been in there for nearly half an hour to 45 mins., my fianc who was waiting in the car, also noticed I was the only customer not coming out & tried to rush in to see if I was okay when he saw police. I was terrified to leave when my transaction was complete hoping the police wasnt waiting. That day when I returned home, I called to file the complaint with PNC crying frantically over the phone. The incident put me in an anxiety attack. The gentleman I spoke to assured he would submit it as an escalated discrimination incident. He seemed to agree that the alarms do not just falsely alert police. He also assured that someone would call within 2 days NOT email. Its been 2 months and I received no call. An email was received the same day of the incident which stated they were unable to reach me by phone & that email communication was unsecured. When in fact they never called. I followed up by calling at least 5 days to assure the complaint was still open & responded to the first email twice with no return. Its been nearly 2 months now and PNC has not resolved. Without question they owe me an apologize for how I was treated and compensation for their wrong doing. This was definitely a bias and absolutely unjust act by PNC. | ||||||
| 08/14/2015 | Yes |
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| XXXX XXXX XXXX XXXX VA XXXX opened an account XXXX XXXX only because I am a XXXX XXXX XXXX and my college told me about they were offering a XXXX sign on bonus only at the office next door to the office in the XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX assisted me opening my account and realized I was a co-signer on my daughter 's account 8 years ago when she was a minor. I had to because she was in high school. Now she is XXXX and a mother and I have no access to her account as I do not wish to know her business. I was told that I qualified for the sign on bonus because I opened the account and did a direct deposit. There is another bonus of XXXX but that had nothing to do with XXXX and it had other rules. I waited and was involved in a serious car accident but I did do the direct deposit as I promised and setup another direct deposit with my part time job as a XXXX for XXXX XXXX XXXX XXXX as I 'm also a XXXX student working on my XXXX all with working XXXX over XXXX hours a week and supporting XXXX children. I was told now I do not qualify for the account because I was a co-signer on her account 8 years ago as a mother of a XXXX year old. That is called bait and switch. They knew I was a co-signer brought the account up as I opened mine. Told me I would still qualify because this was a XXXX and PNC deal and now I am told different. I filed with the Federal Reserve Consumer Help line. All I want is the XXXX I was promised when I signed up after I made a direct deposit. If this can not be done then I need to contact a lawyer at the end of this for the pain and suffering, lies and attorney fees. I would like either an email or a letter in writing as this XXXX will be certified mailed to the address above. XXXX XXXX : Re : Re : Re : Re : BalanceAccountDate : XXXX : Dear XXXX XXXX XXXX, Because of the ongoing nature of this issue, I have escalated this to our Retail Escalation Group. You will receive a call from our escalation specialists within 2 to 3 business days. Should you wish to contact us prior to receiving a call, please dial XXXX ( Monday - Friday : XXXX - XXXX ET ; Saturday : XXXX - XXXX. ET ) and reference number XXXX. I sincerely apologize for any difficulty this may have caused and we look forward to speaking with you and resolving this! Re : Re : Re : BalanceAccountDate : XXXX : Dear XXXX XXXX XXXX, Thank you for following up, XXXX XXXX. I am sorry to hear about your accident & I hope you are okay. I see that we have an update on the research request that I submitted on your behalf : The account is not eligible for the bonus due to the fact that you are a signer on a pre-existing account. Sincerely, XXXX XXXXSincerely, XXXX XXXXPNC BankOriginal Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- To : CSR Agent & lt ; XXXXXXXXXXXX & gt ; Subject : Re : Re : Re : Re : BalanceAccount ( XXXX ) That was not the deal. I signed up for my daughter 's account 10 years ago for she was XXXX. I did not open it as a co-owner. I came to you only for the bonus of XXXX because I work for XXXX and was referred. If I 'm not eligible then when I signed up she with the form XXXX should have informed me. Please review again if this is true than I will cancel the account because I will not bank with someone who lied to me from the get go. | ||||||
| 02/06/2023 | Yes |
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| International wire transfer of {$7500.00} sent by my wife using our bank account on XX/XX/XXXX via PNC bank using XXXX XXXXXXXX XXXX as an intermediary bank and Bank XXXX XXXX as the beneficiary bank with an availability date of XX/XX/XXXX. About a week later, the beneficiary had not received the transfer money yet. Spoke with a PNC bank branch banker who double checked the beneficiary 's account number was entered correctly. Branch banker just stated he found it weird and that he would talk with his manager about it but that we still should wait some time because all the information was entered correctly and the transfer could just be delayed. About a week later, we spoke with the same branch banker to complain about why the beneficiary had not received the transfer yet. Branch banker stated a case was open and we should wait 90 days for a resolution of the case. Every week we would go and talk to the same branch banker and the only respond we would receive would be " everything is still the same with the case. I am sorry. '' The beneficiary spoke with his bank manager and was told the bank had received a phone call stating they had a money transfer but the bank sending the money never sent the money and the beneficiary bank rejected the transfer because of a lack of funds. The Bank XXXX XXXX tracked the transfer and the respond was that the money was returned to the intermediary bank, which is XXXX Bank. We attempted to talk with XXXX XXXX bank and they turned us away stating we could not complain to them because we are not their costumers and only PNC bank can raise a complaint because they are the ones who sent the money. On XX/XX/XXXX a complaint was done to PNC bank and a case manager was assigned. Every week we would call PNC bank to follow-up with the case and we would receive the same response that it was being investigated and we had to wait. On XX/XX/XXXX, we received a letter from PNC bank stating the case complaint was resolved and the funds were received by the beneficiary bank on XX/XX/XXXX. After this, we called the beneficiary to ask for account statements as proof that the transfer was never received. We took the account statement to PNC bank to show the transfer was never received by the beneficiary. PNC bank said they will check what happened and see if there is anything they could do. On XX/XX/XXXX, a new complaint case was opened by us and the same case manager contacted us via email asking to please call him to talk about it. We spoke with the same branch banker who also got in touch with the case manager. After this meeting, we were told we did not have to go the bank anymore and that they would constantly communicate with us via email. On XX/XX/XXXX, we received an email from the PNC branch banker stating that the " wire transfer was performed with an error on his side and it is not under his control since the bank receiving the money has return it '' and that " on his side that is all he can do. '' After receiving the email we talked to the PNC branch banker manager who stated " well that money is lost so leave it as it is or get a lawyer. '' We called PNC bank again to ask for any updates and they stated the case was resolved. We did not agree to it and the case is currently opened again. | ||||||
| 06/02/2015 | Yes |
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| XXXX my husband and I are co-signing for our XXXX year son to purchase a farm. He has been a farmer at heart all his life even in kindergarten he was trying to find a way so skip school to go to work on the farm. His dream was coming true as we sat down and signed the paperwork for the mortgage, or at least we thought. The bank giving us the mortgage requested another property that my husband and I own be paid off. We agreed and I went into the local PNC branch to give them a check for {$42000.00} to pay this loan in full. They advised me they would have to send it to their corporate location which seemed silly to me because we received the Home Equity Line of Credit right in the branch. A few days passed and I noticed my checking account still had the funds available. I called a few times and now realize I was just getting the run around. I was always told it would be processed. Finally XXXX week and a day from the time I gave them the check I was getting worried because I was told by the company giving us the mortgage for my sons dream farm that if they did n't know us this deal would be null and void already. I spent a few hours on the phone getting transferred around. Enough was enough and I told XXXX of the people I was transferred to that if we lost my sons farm that we would get a lawyer to pursue legal action. I was told by that representative not to threaten them. He then asked if he could place me on hold for XXXX minutes and I agreed. Over XXXX minutes later I was greeted by another person. I had no clue I was even being transferred. It seemed to me at that moment they were just transferring me around hoping that I would just have to disconnect the call. The person that came on the line was extremely nice and ensured me that they would take care of anything and if I needed anything to call them directly. I can only assume now that she was just deceiving me and telling me that to get me to calm down to buy them more time. I have called and left her messages now several times with no answer or response. This has gone on for almost XXXX weeks now and it is causing me XXXX and I have been XXXX for a week XXXX due to worrying about my youngest son losing his farm that he has worked so hard to earn. This is causing me and my family financial harm not to mention the young girls who are selling the farm to us. They were left the farm by a family member and I can only imagine the distress and financial crisis it is causing their family as well. All I want as a resolution to this matter is to get my check cashed to pay off the HELOC so my son can purchase his farm and I also want PNC and the representatives involved in this matter to be held accountable. If this is happening to me it has to be happening to others and I would n't want this stress and anxiety to harm another person. My faith in PNC and the financial industry is definitely in question now as how can this stress and anxiety that this has caused be worth it. I truly feel that it has taken its toll on me and taken years off my life. Please help me with obtaining resolution as quickly as possible to this matter. Any help the CFPB could give in resolving this would be greatly appreciated. I hope that you can renew my faith in the financial giants that run this country. | ||||||
| 12/29/2022 | Yes |
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| On XX/XX/XXXX I wrote a check ( # XXXX ) to XXXX XXXX from my PNC account in the amount of {$1600.00}. On XX/XX/XXXX, XXXX deposited my check, along with a XXXX XXXX Bank check from another customer for {$600.00}. PNC put both of these transactions through my account, duplicating my check. So they put Check # XXXX for {$1600.00} through two times- one transaction in the amount of {$1600.00}, another for {$600.00}. The {$600.00} overdrew my account. PNC reversed the duplicate account, refunding my account the {$1600.00}. PNC charged XXXX, XXXX a bad check fee. This fee will be passed on to me. PNC did not reverse the {$600.00} fee. On XX/XX/XXXX, I called PNC to resolve this. I was told there was nothing I could do to recover the bad check fee and that they could not put my check # XXXX through again and I would need to write a new one. They told me my only course of action would be to dispute the {$600.00} check, which I did. On XX/XX/XXXX, I saw that PNC was debiting {$1000.00} from my account. They told me that there was no way they could do this. I immediately called them. Their automated service put me through to the loan department. I explained I needed to speak to someone about my checking account and I was sent to the beginning of the automated service, which then hung up on me. I used the web chat. The customer service representative told me there was nothing they could do to help me, and I had to call XXXX Services at XXXX. This number was a phishing number, and offered me a {$100.00} XXXXXXXX XXXX XXXX. I did push a few buttons before I was asked for my personal information, and realized that it was not just a weird survey from PNC. I called the number twice ( PNC told me to call it, I assumed I misdialed the first time. I did not. ), and the second time it just offered me a " Corporate gift card. '' I explained this to the web chatter and they gave me a new number to call : XXXX. I don't know if this was truly a mistake or just a prank played on an angry customer, but I will not know for a long time if those buttons I pushed when I first called that number authorized some kind of charge on my phone bill, and I am fortunate that I did not provide my banking information. Sending customers to call a phishing number is absolutely horrible and dangerous. When I finally reached someone at XXXX XXXX, they told me that they were taking out {$1000.00} to " make my check whole. '' Yes, I had asked them to do this with my initial call on XX/XX/XXXX and I was told in no uncertain terms that they could not do that and my only recourse was to dispute the {$600.00} and write a new check to the company. I did not authorize PNC to remove {$1000.00} from my account. I did not authorize PNC to remove {$600.00} from my account. I did write a check in the amount of {$1600.00} and that check was canceled by PNC, and PNC told me to write a new check. Again, PNC told me that there was nothing I could do about this and that they would escalate it for me. They did say that they would request that the bad check fee they charged would be reversed, but they couldn't promise anything. I don't even know how to resolve this now. PNC is making unauthorized transactions on my account and they need to admit they screwed up and fix it. | ||||||
| 05/31/2022 | Yes |
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| I the undersigned ( XXXX XXXX XXXX ) PNC personal banking customer since 15 years, my entire XXXX Family banks with PNC, wish to bring to your kind notice my concern for, Service fee ( {$2000.00} ) charged, without my knowledge, even though I have maintained a OVER ALL BALANCE ABOVE XXXX USD, COLLECTIVELY in ALL MY CHECKING AND SAVINGS ACCOUNTS IN PNC BANK, ALONG WITH MY FULL FEDERAL SALARY MONTHLY DIRECT DEPOSITS, OF UPTO USD XXXX, from my Federal job at XXXX XXXX XXXX as XXXX XXXX. PNC BANK Address : XXXX XXXX XXXX, XXXX. MD. XXXX. The main issue of concern is regarding Performance Select Interest Checking Account ( Ending XXXX ) opened in XXXX of XXXX. The Account was opened, as a promotion scheme by the bank, I was specifically NOT told to maintain any specific minimum balance just for this Performance Interest checking account ( Ending in XXXX ). In XXXX Yes, I was informed that the OVERALL balance in my accounts linked to PNC under my name should be above USD XXXX balance, to avoid monthly SERVICE FEE charges. And, moreover if you have your salary direct deposits to your accounts above USD XXXX, should be protected of the service fee balances is what the Personal Banker had informed us while opening the accounts. The performance select Interest checking Account .. had the balances of above USD XXXX, until XX/XX/XXXX statement. Unfortunately ; the balance was transferred by PNC Bank teller on XX/XX/XXXX for USD XXXX. P : S : I did not do the transactions online. Per records .. A Bank Teller has done the transfer, Bank needs to investigate ..why a bank teller, will incorrectly move money from interest checking account ( which would have incur penalty ), when other accounts have excess amounts in them .. for usage, without penalty. Ever-since, That fateful error transactions happened ( by your teller ) to my regular checking account .. PNC Spending A/c XXXX XXXX.. The remaining balance amount in ( A/c # XXXX ) {$2000.00} was depleted to ZERO BALANCE ( and went to USD - $ XXXX by XX/XX/XXXX ), by SERVICE FEE DEDUCTIONS, and A/c closed. HISTORY OF INTERACTIONS WITH LOCAL PNC BANK AND RESPONSES : Since, XX/XX/XXXX I have been infected with XXXX XXXX and did not check my mails and had to relocate due to personal/Medical issues. On XX/XX/XXXX When I went to bank, to enquire Personal Banker ( XXXX XXXX XXXX ) replied, rudely and insulted me by asking me to show my Immigration status verification first, to give details on my account, even, when I presented my PNC Debit card and Maryland Driver ID and advised me, to check my fee details online, myself, at home. Later, I have talked to your PNC Branch manager ( XXXX XXXX ) He escalated the complex issue to Higher Management to help me. On XX/XX/XXXX XXXX XXXX XXXX PNC supervisor, updated that he will reopen the closed account ( XXXX ), and will review it with Management. But, said he will not be able to give me any service charges back, since my Performance select ( Ending XXXX ) account, is currently closed. Here are the your PNC banking fee details which was promised to me .. and also it currently exists on your account website online for the Performance Deposit A/cs.. Under -Customer Service FAQs- Important Account Information for Existing Checking Customers | | ||||||
| 08/26/2020 | Yes |
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| PNC bank is doing an investigation There were over {$500.00} of unauthorized charges on my account from XXXX to XX/XX/XXXX. Two Disputes were filed on two dates ( reference numbers included below ). PNC temporarily put the funds into my account in XXXX and PNC was supposed to mail me a questionnaire to complete and send back, supporting my claims. I moved on XX/XX/XXXX and provided updated information to PNC using the online banking system, and updated PNC of my address change via phone, with a representative. After the information was updated, I received mail correspondence from PNC to my new address, none of which was the questionnaire. I receive 3 mailed letters from PNC yesterday XX/XX/XXXX, to my current and new address. The letters referenced the disputes I filed and informed me that PNC found the charges to be valid and that the funds would be DEBITED from my account on XX/XX/XXXX ( tomorrow ) I spoke to 4 representatives on the phone about resolving this issue. I was told that I needed to go into a PNC branch to file another dispute of the charges. This afternoon, I spent 2 hours at the PNC branch with a branch manager XXXX. She and the rep I was on the phone with at the same time, were processing another dispute of these same charges. They were not able to reverse the scheduled debit or replenish the funds even though they were scheduled to come out tomorrow. Not today. A direct deposit is scheduled to go into my account on Friday and PNC stated that they will still be taking out all of the fraud and unauthorized charge amounts and that there is nothing they can do. These charges were no fault of mine. PNC failed to provide me with the proper paperwork even though PNC was aware of my address change prior to the second dispute and they were sending me mail notices about the negative status of the dispute, but told me that they mailed the questionnaire to the old address. This is no fault of my own. From the charges to the debt that I am now accruing as a result of PNCs lack of compliance to their own dispute process. I have a family and my bills are scheduled to be deducted on XX/XX/XXXX. I will now be defaulting on my mortgage and utility bills because of PNCs mistake. They won't put a hold on the funds coming in on Friday and they are ruining my hard worked established credit because of a mistake caused by PNC. I am so upset and want to close my account. Unfortunately the payroll company processed checks so there is no way for me to freeze or request a different receipt of the direct deposit scheduled for Friday. If PNC had me file a re-dispute today, PNC should NOT be deducting money from my account tomorrow. There should be a freeze on any bank activity until the new dispute is resolved and funds that were stolen are put back into my account. All of this happened because they failed to provide me with the questionnaire. I MADE CERTAIN to update my address during the time of the disputes, so that I could receive all of the mail at my new address. Now I am going to be late on primary bills, impacting my credit and causing unnecessary worry and problems. I want the stolen funds put back into my account and not taken from my account both by frauds and PNC committing this very crime themselves. | ||||||
| 08/29/2023 | Yes |
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| RE-FILE for CFPB investigation with : My Response to XX/XX/2023, from XXXX XXXX from XXXX XXXX XXXX, ... ...... Re : CFPB case number XXXX XX/XX/2023 ..... On XXXX XXXX, 2023, XXXX XXXX by autographed letter addressed to CFPB in response to my debt validation claim did perjure himself with such response ..... In his letter, he infers he sued me on behalf of PNC bank, this is false. I, first filed lawful suit against a XXXX XXXX XXXX dba PRESIDENT FOR PNC BANK NA, on XX/XX/2023, after 2 years sending numerous unrebutted, non-responded debt validation affidavits. My successful process of service affidavit delivery to XXXX on XX/XX/2023, for which XXXX XXXX is the lawyer who responded to my lawsuit .... EXHIBIT A : Service to XXXX XX/XX/2023 .... XXXX XXXX provided no answers to any of my claims, for deceptive debt practices and debt validation and instead had them dismissed in the Chancery venue action .... [ Deceptive Omission Perjury, XXXX XXXX ( HE ) failed to prove-debt within 15 days of receiving filing on CFPB as of XX/XX/2023. HE, by replying accepted to respond under the penalty of perjury. Non-disclosure, HE failed to provide the contract HE claims default evidence deeming the court intervention. Thus, perjury failing disclosure holder of certified original blue wet-ink signature Mortgage and note claiming in dispute because they dont have any contracts ]. HE/PNC ( They ) were not signatories to the original agreement. They can not satisfy the basic requirement of contract law that a plaintiff suing on a written contract must produce a signed contract proving HE is entitled to relief. Qualifies as a real party of interest, HE fails to mention the note the main issue of the CFPB investigation as to it being altered after closing without disclosure it being the source of the money funds used to payoff the property, it missing. The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. '' XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) .... EXHIBIT B : XXXX XXXX XX/XX/2023 .... Thus, XXXX position should have ended when his motion got my lawsuit and XXXX the person XXXX process served dismissed with prejudice. To the best of my knowledge there is no lawsuit case, no consolidation of cases because my lawsuit is completely purged not active doesnt exist on the record. Thus, XXXX implication that HE and I have a lawsuit is deceptive, HE fails to provide affidavit for process of service, responded to under penalty of perjury .... EXHIBIT C : Process of XXXX XXXX dismissed .... Further, XXXX XXXX implication that debt validation is being addressed omits the fact that my debt validation motions were all dismissed/ denied without reason in law .... EXHIBIT D : XXXX and XXXX Denied debt validation Orders... Thus, the reason for my CFPB filings for debt validation ..... Merit, my attached re-filing for the CFPB debt validation is with stipulation for any response to be made under penalty of perjury by an authorized person with evidence of wet-ink signatory contract in dispute ..... According F.R.Civ. Pro. 17, [ a ] n action must be prosecuted in the name of the real party in interest. | ||||||
| 09/07/2020 | Yes |
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| On XX/XX/2020, I opened a checking account with PNC Bank, based on its location to the home I had relocated to a year-and-a-half ago, free checking without a minimum balance, and alert measures it has in place for individual accounts. I deposited {$500.00} in cash. I was then offered Overdraft Protection, which I know is an unsecured loan. When the banks representative asked me if I knew my credit score, I told her it was nearly 800. I completed the form, then left the bank shortly thereafter. The rep called me later to say the loan department was requesting a form of identification and Social Security. She said I should bring them up and shed make copies to send them. I did as she requested, although since she had already taken my Drivers License, I found this suspicious. She later called to say I had been denied. She was afraid I would be upset, but I told her it wasnt a problem, since I had lived at my current address for less than two years and the Overdraft Protection was for {$1000.00}, as opposed to the {$250.00} I carry at my credit union. I had not yet closed that account because of the timing of my Social Security auto deposit. Later that evening, it occurred to me that I had recently had to notify a retailer that the statement they had sent me was addressed to a person whose name has plagued me for several years. We have the same first name, although spelled differently, different middle names, and last names, except for one of hers, beginning with the same letter. I was served with papers several years ago by XXXX XXXX XXXX for one of her debts. My attorney provided numerous forms of identification, birth certificate, marriage certificates, and divorce papers, along with photo ID to the prosecutor before the suit was dropped against me. Later that evening, I received an email through my secured PNC account that my loan had been denied based on my XXXX credit report. So, I checked my XXXX report, only to find the other persons name appearing on the reports cover page. My name, along with 13 variations of her name, a spouse I never had by that name, and five addresses not associated with me, and my Social Security number, along with two others, numerous creditors not belonging to me, along with an account in collections. The credit score was nowhere near accurate. All information on my XXXX and XXXX accounts are correct. After two disputes filed with XXXX, the information under my name is correct. I was told by an XXXX representative, laughingly, that the files have been merged. The first rep started correcting information to be disputed without even asking me what needed to be disputed, so the mistake was obviously made by XXXX. The remaining problem : If HER name, MY Social Security number, address, and phone number are queried in XXXX, her accounts come up. I have frozen my credit. I now have closed the PNC account based the turmoil created by XXXX, as well as a rep in their Loan Department telling me the Hard Inquiry, based on an inaccurate credit report, would only remain there a couple of months, then it will drop off, which is totally inaccurate and a great underestimate. I have also spent {$85.00} to mail certified/return receipt requested letters to all creditors on my account that belong to her. | ||||||
| 04/09/2019 | Yes |
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| On XX/XX/19 I went to the PNC branch on XXXX XXXX to withdraw {$6000.00} out of my savings growth account. The teller XXXX XXXX asked me what I needed it for, I told her person use. I had my ID, debit card and gun ID showing who I was. She claim that she didn't have that on hand and couldn't honor it. I then ask to speak to the manger that was there. A XXXX XXXX manger was very rude and told me she couldn't honor the request as well because they didn't have that on hand. I was kinda upset because I had the amount of money in my account and they wouldn't let me withdraw it so my tone in my voice was kinda concerning and asking why but remained respectful. So I asked could I take {$2000.00} out of my savings growth account. XXXX XXXX denied my request and said had the right to Denned my request. I left out the bank and called PNC customer call center and filed a complaint and ask could the person that's in charge of that branch to give me a call. Around XXXX EST the same day a man name XXXX gave me a call and said he manages the federal branch that I a issue with. He started off asking me what happen. I explained to XXXX what happen. He asked me " you were unable to take anything out the account and I told him no. He apologized and said he I should of been able to take something out my account and would talk to both of them and that he was sorry. So on XX/XX/19 I went to the pnc branch on the southside @ XXXX when they open and walked to the counter and told the teller that I wanted to withdraw money from my growth savings. She started off by writing my name on the withdraw slip. She asked me what I was doing with it I told her personal use. When looking at her name tag it was the same person from XXXX XXXX XXXX XXXX. I said you are the same person from federal that I spoke to XXXX about. As soon as I said that she said I'm denying the transaction. I said why I have the money in my account. You have my ID and debit card. That's verifying who I am. Then XXXX got up and left her teller station and got the branch manger XXXX from the southside branch which was very nice. XXXX Walked over to the teller station with XXXX and asked what I need the money for I told her personal use and I might by furniture. XXXX Said ok and told XXXX that she can do the transaction. XXXX told her that she didn't want to do the transaction. XXXX said it's fine XXXX, I'm here and verify his account & I'm giving you permission to perform the transaction. XXXX said she was not comfortable. I then told XXXX that I would like XXXX to give me a call because I feel like I'm being treated wrong, and being discriminated because I am XXXX and I had The proper ID, plus the money was available at the bank. And I have it in my account. I don't see what the problem is. Plus this is the second situation with the same person. She was familiar with me, XXXX said he would talk to her. I really feel like she has something against me, you could tell by her body language. I was embarrassed because people in the branch was looking at me like I was doing something wrong. All I wanted to do was take out my money.I was no rude nor disrespectful. I even cried about the issue and I want something done and I want to file a civil complaint about pnc because this is not right. | ||||||
| 04/14/2022 | Yes |
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| I alerted PNC bank representatives of suspicious mail correspondence from PNC bank demanding information I already provided in person to establish my PNC account from XX/XX/2021 to approximately XX/XX/2021. I received multiple PNC bank correspondence demanding disclosure of my personally identifiable information ( PII ). The PNC correspondence threatened my account would be closed ( AGAIN ) if I did not provide the information : The PNC Bank Notice Cited law : Section 326 of the USA Patriot Act to obtain records and directed me to disclose/verify the following ; My legal name, Residential address, Social security number, Date of Birth, Citizenship Status, and Government Issued Identification. I reported the suspicious activity to financial institutions, law enforcement, and investigative authorities at the local, state, and federal levels. I reviewed my records and checked for fraudulent activity and had to subsequently close multiple accounts. I contacted the credit bureaus and confirmed their was a data spill.I reported personal documents missing to law enforcement. I resubmitted payments because my transactions ( XXXX Car Payments ) appeared to disappear from my transaction ledger with PNC bank. I review my transactions with PNC Bank representatives in person at a PNC Bank. The USPS correspondence from PNC Bank stated " Please contact us [ PNC Bank ] at XXXX ( XXXX -- this number does not appear to be PNC bank ) to verify the accuracy of our records within 10 business days of the date on this notice. If you do not respond to this request within 10 business days of the date of this notice, your account ( s ) will be closed '' BACKGROUND : According to PNC Bank 's customer agreement : Customers are responsible for providing true, accurate and complete contact information, including a valid address ( postal OR email ). Customers are responsible to promptly notify the bank of a change of address by postal mail, electronic mail, in person, by phone or through On Line Banking. According to the customer agreement/disclosure PNC Bank is NOT responsible for investigating whether or not the customer changed contact information. This is the 2nd letter I have received from PNC bank threatening to close my account. I have provided true, accurate, and complete contact information to institutions from the onset of business agreements. The local, state, and federal Government to include the United States Postal Services, and other financial institutions recognize my address to be true, accurate, and complete. The excessive requests for " verification '' subsequent to providing all the information required to open the account at PNC bank is unreasonable, unnecessary, and unwarranted. If there is something that is causing the repeated demands to disclose and " verify '' my personally identifying information ( PII ) with PNC Bank, the reason ( s ) must be specified with the customers, otherwise, I consider these practices unreasonable and unnecessary harassment to push me to close my account with PNC Bank. I have already informed PNC bank representatives as well as local, state and federal authorities of suspicious/criminal activity, targeting, and confirmed a data spill involving my personally identifiable information ( PII ). | ||||||
| 07/02/2021 | Yes |
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| I refinanced my house with PNC Mortgage. The process took over 7 months to complete and the interest rate was 0.5 % higher than what I was quoted. I did everything that was asked of me in a timely manner. I tried for months to work with the loan officer and the customer service department and they did nothing for me. They came up with faulty excuses for why the process took so long and for why I did not get the lower interest rate. I am including a timeline below. XXXX is the loan officer. There was no contact from PNC to me from XX/XX/XXXX to XX/XX/XXXX, which is about two and a half months. XX/XX/XXXX - XXXX sends refinance directions. The process started on the phone prior to this. I do not have the date. XX/XX/XXXX - I email all required documents to XXXX. XX/XX/XXXX - XXXX XXXX emails me asking for documents I had already sent to XXXX. I informed her that I had sent them to XXXX. I also send them to XXXX. XX/XX/XXXX - I pay {$610.00} for a credit report. XX/XX/XXXX - XXXX sends me a receipt of my payment. XX/XX/XXXX - XX/XX/XXXX Absolutely no contact! XX/XX/XXXX - XXXX emails asking me to submit current versions of all documents I had already sent on XX/XX/XXXX. XX/XX/XXXX - I call & email XXXX. He assures me that all is good. He also apologizes & says he is having a busy morning. XX/XX/XXXX - I send " Borrower 's Confirmation of Disclosure Report. '' XX/XX/XXXX - I resubmit documents to XXXX. XX/XX/XXXX - I receive DocLink and sign. XX/XX/XXXX - XXXX emails asking for child support statement. I had already emailed this months prior. XX/XX/XXXX - I receive a new DocLink and sign. # XXXX XX/XX/XXXX - XXXX emails saying my credit report expired and a new one needs to be produced. She also asks me to resubit documents. XX/XX/XXXX - XXXX emails saying loan is " routed for final approval. XX/XX/XXXX - I receive a new DocLink and sign. # XXXX XX/XX/XXXX - XXXX emails saying " we still need to address a few things. '' These " things '' are " things '' that I had already addressed months prior. I readdress them. XX/XX/XXXX - XXXX emails me asking if I understand everything. XX/XX/XXXX - I receive a new DocLink and sign. # XXXX XX/XX/XXXX - XXXX asks me to resubmit new documents such as paystubs again because the others expired. this is the third time doing so. XX/XX/XXXX - I receive a new DocLink and sign. # 5 XX/XX/XXXX - I receive a new DocLink and sign. # 6 XX/XX/XXXX - XXXX emails to see if we can talk the following day on the phone about a " review of refinance. '' XX/XX/XXXX - XXXX emails about final review & a compliance issue that was corrected. XX/XX/XXXX - I receive a new DocLink and sign. # 7 XX/XX/XXXX - I receive a new DocLink and sign. # 8 XX/XX/XXXX - XXXX emails about closing location. XX/XX/XXXX - I receive a new DocLink and sign. # 9 XX/XX/XXXX - XXXX emails about DocLink & says it is extremely urgent. XX/XX/XXXX - I email XXXX & XXXX asking about closing because I have heard nothing from them. XX/XX/XXXX - Almost 7 months after starting, I finally sign papers in person for closing. Closing is not yet 100 % complete!! XX/XX/XXXX - XXXX emails to ask how the closing went on the XXXX. This is a great summary email of the entire process. He had the date wrong! | ||||||
| 08/08/2016 | Yes |
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| My husband and I got our mortgage through PNC Bank for our home purchase in NY. We had a number of issues with our loan servicing agent. Some were just inconvenient like her asking for the same document multiple times when she already had it and then towards the end of the process things became more serious. First, I was emailed the closing disclosure form at XXXX XXXX evening. My husband is the person that is taking the loan out so I could n't figure out why it was sent to me. Then, the CD included someone else 's name and account information. It was for another loan for someone other than us. That was scary. Was our loan information out there somewhere with someone else?! When we told them of the mistake they issued another form the following day and my husband sent it back to her that very same day. Later that afternoon we were contacted and told that because the CD was received by the bank so late they would be delaying our closing. This was confusing and frustrating as we got it back to them the same day as soon as we got the correct paperwork. They eventually pulled the closing together and we closed on XXXX XXXX. Or so we thought. Two weeks later we get notice from our attorney that PNC has contacted her office and told her we owe an additional $ XXXX to close. We thought we had already closed! Apparently PNC did not calculate something properly with our taxes and when it went through final review post closing the mistake was found. Then we were told that the sellers wold start charging us for every day we did n't pay the additional money because the sale had not cleared which meant they were getting charged by their bank so we would have to assume that financial penalty. So of course we scraped together the additional money immediately to avoid a further financial burden. We have been trying since then to straighten this all out with PNC to find out how it was possible for them to send such a grossly incorrect disclosure. How it took TWO WEEKS to figure it out. We wanted to know how it was legal to charge us so much more money, at no fault of our own. The whole point of the 3 day rule for CD 's is to give people time to ensure they have the proper cash to close. This has been a huge stress for us as that is not a small sum for our family. The even bigger issue we have had is that they are completely ignoring us at this point. We have filed so many complaints, been told things are being " escalated '' and then we will get a call, they will tell us they are " looking into it '' and will call us back and then they NEVER call us back. I went so far as to even message and post on their facebook page because we were being ignored by the people we worked with during the process. All we asked is that they refund us their fees as they did n't do their job. We understand that money is due if it is due. But the whole point of paying for a service is that the person you are paying does the service you are paying for. I do n't think it is asking too much to expect someone with the authority to fix things to call us back when they say they will. Your word is your bond and they have broken it over and over. I have informed them I would be filing complaints as I feel that they have done is wrong and possibly illegal. | ||||||
| 08/02/2022 | Yes |
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| I deposited a check on Sunday, XX/XX/2022 at the atm location, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX. This is the atm located at my banks main office. According to the atm my funds would be available to me Tuesday, XX/XX/2022. This made sense to me since my original terms and conditions confirm that any personal checks written from another bank would be deposited on the business day after they were deposited into the bank. When I checked my balance on XX/XX/2022 my leger showed the funds had in fact been deposited but were not available to me to spend. I went to my local branch and spoke to an associate in the drive through she stated I would need to call the back office. She also told me that funds deposited into the atm took longer and encouraged me to deposit with a teller next time. I called the " back office '' number I was given the lady I spoke to on the phone explained to me that my funds had been placed under hold. When asked why she explained it was due to the amount of the check. According to my original terms and conditions as long as the check is not " equal or exceed XXXX '' then it would be the standard 24-hour hold. The check I deposited was XXXX. I asked to speak with a supervisor. I was told there were none available and that she would have someone call me whenever they were available. I waited after the call and got no call back I decided maybe I could talk to a manager at the bank to get something done. I went to the bank and was told there were no supervisors at the bank. They were on vacation but I could talk to a banker. I brought my original terms and conditions with me and spoke to the banker. She explained to me that the reason my funds were being held is that they were unsure if the other bank would honor the funds. The funds were already showing out of the other person 's account and in mine. I confirmed this with the person that had written the check. I explained to the banker that the funds were showing in my account and that I had spoken to the other person involved and the funds had already been taken. She then told me that despite them having the check and pulling the money from the other account they could not confirm if the funds had been taken yet so therefore could not make my funds available. She also mentioned next time I should use a teller for a faster deposit time. I left the bank location and came back home to wait for the call from the supervisor early in the morning. At XXXXXXXX XXXX after attempting to get an answer all day and waiting for a call I decided to advance in filling complaints and needed the FDIC number from the bank to lodge a complaint I called the " back office '' number again where I was reassured that eventually I would receive a call from a supervisor and told they had no idea what their FDIC number was. I believe PNC has violated Appendix C to Part 229 C-4 of 6500-Consumer Protection, Under laws, regulations, and related acts. According to this section of the FDIC federal laws and codes, the check should have cleared in 24 hours. Both banks were local banks and the check was not over the specified amount. I believe I am being penalized for using the atm since both of the employees at the physical bank mentioned I should have used a teller. | ||||||
| 12/14/2022 | Yes |
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| PNC Tried to foreclose on my home when it was time barred and they should not have been able to do this - they will not answer the question of what months my loan was in default - this cost me {$36000.00} and they are adding additional legal fees on my account when I should not have to pay any of this they said my loan became default in XXXX of XXXX because a payment was made in XX/XX/XXXX my loan was in default - you said the default on that started XX/XX/XXXX PNC -stated because I made a payment it was not longer in default - Texas and Federal Law The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. But wasn't it in default prior to that? on XX/XX/XXXX was my loan in default? did my loan go into foreclosure in or around XX/XX/XXXX - The time Barred would have started when it first went into foreclosure in XX/XX/XXXX Isn't that correct. I want to know the following In XXXX was my loan in default? - and if it was would that not have started the time bar for the statue of limitations. Then on a call with PNC I was told my first payment was not till XX/XX/XXXX - XXXX am sure the call was recorded - then it changed to my first payment was XX/XX/XXXX They sent me a statement that said nothing was owe in XX/XX/XXXX I am not asking attorney questions I am simply asking was my loan in default in XXXX what months in XXXX was my loan in default and what removed it from default Was my loan in default in XXXX - what months and what removed it from default was my loan in default in XXXX - what months and what removed it from default Easy - XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XXXX XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default The loan was in default in XX/XX/XXXX and that is when the time barr started - I have the right to ask this question- I don't have to have an attorney ask it -- This loan did have time barrs start on it - when did the time XXXX start - stop and restart - etc... Was a time XXXX started in XXXX? and if so why did it end Was a time XXXX started in XXXX - and if so why did it end | ||||||
| 10/11/2019 | Yes |
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| We took out a mortgage refinance ( Texas equity loan ) XX/XX/XXXX with XXXX Bank as the lender. The loan amount was {$230000.00}. The loan was transferred in XXXX or XXXX of this year XXXX to PNC Bank. I do not know exactly when the servicer changed as I did not receive any communication of the servicing transfer. I received a new mortgage coupon book at the end of XXXX ( there was no additional details with the coupon book ). The flood insurance was due ( XX/XX/XXXX ), our property is located in a flood zone and escrowed with the monthly mortgage payment as required by law. I was notified by my insurance company the flood insurance had not been paid by XXXX. I then called PNC bank, On XXXX I was told the flood would be going out soon, by their customer service. During the call the customer service rep asked how I planned to cover/repay my escrow account. I explained to the rep, my flood insurance is escrowed with my mortgage payment and there shouldn't be anything else required from me. The rep indicated that at the end off XXXX PNC bank had paid my home owners insurance in the amount of {$2700.00}. My home owners insurance is not supposed to be escrowed. I signed and returned documentation XX/XX/XXXX with the original loan docs that only flood would be escrowed and I would pay separately the home owners insurance and property tax. I paid my homeowners insurance myself at the end of XXXX. This meant the homeowners insurance company was paid twice. I told the rep, they should contact the insurance company to obtain the payment they sent out in error. To which they indicated it was now my problem and I would need to get the duplicate payment repaid to me by the insurance and then turn around and send PNC a check back. They also explained that they would have to review the loan to check if it was eligible to have the home owners insurance account removed. I explained there was only suppose to be flood insurance escrowed, to which the response has been they show the loan previously had an escrow for home owners which is not the case. ( XXXX only escrowed for flood ). On XX/XX/XXXX received a letter from PNC that indicated they would remove the home owners insurance once I paid them {$2900.00} which is actually more than they paid out in error on the homeowners insurance and signed documentation requesting to remove the escrow for homeowners. Additionally the letter indicated the new payment would be {$1500.00}. Which is not correct, the loan is supposed to be a 30yr fxd with a P & I payment of {$1100.00}. The flood premium is {$970.00}. Which means the total payment should be {$1200.00} approximately. I contacted PNC again, to which the response was send in {$2900.00} and they will then review the loan to determine the payment. I sent on XX/XX/XXXX to PNC cashiers check for {$2700.00}. I do not see why I would send them more than the amount they sent out in error. I contacted PNC last week, to which the response has been they have not processed the review of the loan. I do not know if it was because it was not the {$2900.00} they requested in their letter or because I am not willing to sign additional documentation requesting they remove escrow for home owners insurance that should have never been set up. | ||||||
| 12/13/2022 | Yes |
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| Original Creditor : PNC BANK XXXX Sold : Dont know Account type : Auto Loan Date Opened : XXXX XXXX Closed Status : Charge-Off Status Updated : XX/XX/2020 Balance : XXXX Balance Updated : XXXX XXXX Paid Off : 60 % Monthly Payments : _ Past Due Amount : {$19000.00} Original Balance : {$48000.00} Terms : XXXX Information has been used for/by entities and have been furnished on my credit report that i have not authorized nor initiated.Results leading to my credit report being access globally without my consent. Per section 605 15 U.S. Code 1681 C-1 ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; That report i have not authorized no consumer reporting agency to do nor have i been contacted by consumers reporting agency to have them consent to which is a violation of the United State Constitution and illegal doing in the United states . Also my birth date have been furnished on my credit report Per ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.I also havent Consent to having my birth day on my credit report which is again illegal doing and violation of the United States Constitution. I have tried numerous of times to contact and have the consumer reporting agency to fix/resolve and to stop doing these illegal matters and i have not been getting any results.My Credit reports has been tampered with without my consent and without my doing.The debt you see at the top of the screen is illegal doing because i have not consent with any consumer reporting agency of having this debt furnished on my credit report.I have been contacted numerous times by debit collector and third parties trying to collect money from me for the account above.Per the federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C 1692 and following ) contacting third parties about my debit is Illegal.I have tried reaching out to the collectors asking them to stop the harassment.They call at unusual time or inconvenient times like in morning before 8 am while im at work even when i try to tell them my work place prohibits me from receiving collections calls at work. Per 15 U.S. Code 1692g - Validation of debts i have sent debt validation letters that have not been validated.Again another violation by a debit collector resulting from unduly and illegal doing from consumer reporting agency. This Account has been charge-off which means the creditors have sold the debit and whoever has bought the debit have not form no contract nor has sent me written notice ( know as a debt validation letter ) within XXXX days of trying to contact me which makes any collections of this account VOID. | ||||||
| 03/14/2018 | Yes |
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Web | Servicemember |
| I deposited a check written to me through my mobile app immediately after it was written to me by my sister on XX/XX/XXXX in the amount of almost 4k. I waited a couple of days to make sure it cleared and then used the funds. On XX/XX/XXXXthe money was then withdrawn from my account. I then immediately called to find out why on XX/XX/XXXX. The first level was unsure and put in a ticket for someone in the escalation department to contact me. I waited another day for someone to return my phone call. XXXX contacted me and we played phone tag until I decided not try and get someone else on the line. I then spoke to XXXX. She listened to my explanation and then said she would look into it further. I called back a couple more times only to be told they really couldn't do anything for me and that I would have to wait for XXXX to return my call since she was my case worker. I also heard multiple stories about my deposit during this time. I hear that it was withdrawn due to the physical check being deposited into an ATM by another individual. Ironically the name they were a little unclear of the account it was put in was XXXX with the same last name. At this point they knew it was fraud but it is not until todayXX/XX/XXXX that I was told that there was actually going to be a fraud investigation opened on my behalf. During this time I also spoke to 3-5 more representatives before I got XXXX on the line and conferenced him in with XXXX XXXX who told XXXX XXXX that they in fact could not see what the institution was that claimed the check was deposited into or the name of the person who's account it was put in to. So now the story had changed. I now have spoken to XXXX and had to repeat my story once again. She also claimed to take ownership and resolve my issue. It has been a week and now they are saying since it is fraud that they may not be able to get all or any of my funds returned but now this is a bank error because a fraud case should have been opened immediately. XXXX XXXX can only see the deposit to PNC into my account as the only withdrawal of the check. They have no record or any other attempt to debit the account the check was written out of. I keep getting the run around and lied to on multiple occasions and PNC is claiming it is not a bank error. Also when speaking to XXXX I was told that she was restricted by law to tell me the name of the persons account or the institution it was supposedly deposited into. Even though I was given this information before and then she herself mentioned that I was previously told the name of the persons account. So was this illegal? I find it hard to believe that XXXX XXXX doesn't have the money in my sister 's account with them, only sees one attempted debit to her account and no others, but PNC has this institution that they can't see or name ( whichever lie they want to tell at the time ) and this name of a person so conveniently close to mine. It has been over a week with many hours spent trying to get a resolution. I have had bills reversed and late fees for bills I can not pay due to this money being in limbo somewhere. PNC is not eager to help and is definitely not handling this in a responsible manner. I am extremely disappointed in this institution. | ||||||
| 03/24/2021 | Yes |
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| Dear sir or madam, I am writing this email about the opening bonus of PNC business checking account. PNC bank has promotion to open business checking from XXXX, XXXX to XXXX XXXX Earn {$200.00} with a business checking account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 20 total qualifying PNC Bank XXXX XXXX XXXX transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles I applied for the PNC business checking online on XX/XX/XXXX. I received email and mentioned that my account was approved. But I need wait for a phonecall : ( please see XXXX email 1 ) You will receive a call from the PNC Care Center to guide you on your next steps of completing the Account Opening Process. Once you have completed your Account Opening Process and you have your account number, then you can enroll in Online and Mobile Banking1,2. Even if PNC indicated my account was approved, but opening process was not complete. I waited for phone call for many days to finish my opening process. I received an email from XXXX XXXX instead of phone call. This email mentioned that my account opening request is not complete, and I need esign and confirm the Account Registration and Agreement ( s ) contained in the URL link below where indicated within 10 ( business ) days. I called XXXX and asked several questions and finally I esigned everything requested by XXXX on XX/XX/XXXX. ( please see XXXX email 2 ) Then I sent email to XXXX and ask for account number and online access pin in order to enroll online bank to fund the money ( At that time, it was peak time for Covid 19 ). XXXX told me that account number is embedded in esigned document ( it is difficult to find ), but he didnt have online access pin and he gave me a phone # ( please see XXXX email 3 ). However, the phone # was wrong, After I got correct phone # and contacted the correct person for online access pin, she told me that she couldnt tell me the pin by phone, and she need mail to me. After I received the online access pin, I immediately enroll online banking and started to fund {$5000.00} into my account on XX/XX/XXXX. I might receive the online access pin on XX/XX/XXXX. I would like to consider this date is my account opening date. After that I deposited over {$5000.00} in my checking account for more than 3 months and spent debit card over 20 time within 90 days. I think that I have fulfilled all PNC bank promotion conditions and should receive {$200.00} bonus. But I didnt. I called PNC bank customer service and asked why I didnt receive {$200.00} bonus on XX/XX/XXXX. The representative told me that I didnt deposit {$5000.00} in first statement cycle. The thing is my PNC business checking started to fully function on XX/XX/XXXX. And I deposited {$5000.00} on XX/XX/XXXX. Before XX/XX/XXXX, my checking account was not complete and have many different issues. I believe that I fulfilled PNC bank business checking promotion conditions and I would like PNC bank to credit {$200.00} into my account. Please see the attached email for details. Thank you very much for your considerations Sincerely XXXX XXXX | ||||||
| 12/05/2021 | Yes |
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Web | Older American |
| PNC bank bought out BBVA approximately 6 months ago. It was a horrible transition to say the least. PNC offers XXXX XXXX to transfer funds to another acct, in this case, to our son out of town who banks at XXXX XXXX. This past two weeks I have been transferring funds to our sons account. He was receiving message from either PNC or XXXX XXXX ( not sure ) saying that the funds were " not collected '' and gave him a date to " collect '' or they would be sent back to my acct. Our son followed the exact instructions to no avail. Friday, XX/XX/XXXX I began making phone calls to PNC at the one and only # XXXX. I have NEVER had anyone answer at this #, just a message saying the wait time was 30 plus minutes or longer. Yesterday, however, a girl answered after the 2nd ring! XXXX proceeded to help me with the XXXX XXXX issue. She walked me patiently through the steps to delete the info, then, reenter it again and ASSURED me this would fix the problem! Within an hour of this, my cell phone started blowing up with calls from a PNC bank in XXXX XXXX XXXX, stating that my account had been SUSPENDED online, as there was some sort of security breach (? ) they didn't use those words, but implied the same. The phone # they called from was XXXX. They appeared to be working fervently on the problem and said it would be fixed yesterday. It was late in the day Friday but the girl said she needed to talk to a supervisor and assured me she would call me back Fri afternoon. I called back twice before XXXXXXXX XXXX. ( New York Time ), only to have them answer the phone with my name, then explaining they still didn't have a solution. I asked if this " problem '' would affect my checks from clearing, etc, they said NO. Now, I can not open my account online at all! When I try to sign on, I get this response -- '' We did not recognize the information you entered. Please check the information and try again. '' Unable to Sign On? Reset your online access now using your debit card or phone number in a few short steps! In order to sign on you must be enrolled in Online Banking. If you're not enrolled, click either the Personal or Small Business link under the 'Sign On ' button to enroll. Our son DEPENDS on this transferral in order to make his truck payment which will be due Mon, XX/XX/XXXX! This truck payment is automatically deducted from his checking and now he doesn't have the funds available in his acct!! I have never been so frustrated and upset over a so called BUSINESS treating customers as such! The local PNC here in XXXX, TX knows NOTHING ABOUT XXXX $ $ and could not help me! Really? Why were the BBVA employees NOT TRAINED for this and so many other banking issues? Instead, they gave me the XXXX number which rarely results in talking to a real person! I am XXXX XXXX XXXX, my husband XXXX. This is very upsetting to us. We are both retired and this is NOT ACCEPTABLE!! IF you check the PNC XXXX page, you will find MANY MANY PEOPLE WITH SIMILAR BANKING ISSUES/ PROBLEMS FROM PNC XXXX if not WORSE! Why is this bank able to do these sort of things and get away with it??? We want answers! I'm sure I could write more, as this was an ALL DAY incident, but I am so upset I probably couldn't remember it all. Please Help! | ||||||
| 04/30/2016 | Yes |
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| 1 Lot of dishonest and bait and switch tactics at PNC XXXX XXXX New York XXXX 2 Dishonest and hidden fees for PNC prepaid cards I went to the above mentioned branch to open a new account on XXXX. I was being helped by XXXX. During the process, I was told that they have a savings account with a special 3 month rate of 1.34 %. I also saw a rate of 1.49 % and inquired about that and was told that was for customers who received that offer in the mail but he will check with his manager if he can get me that. I said I was interested in opening the savings account as well preferably at the 1.49 % rate but if not then 1.34 % rate. Also I was told that if I were to answer a few questions related to my finances, they will give me a {$25.00} gift card. Then I was told that the gift cards were locked up and I would have to come back another day to get it. So I left after opening the checking account package with the promise that they will get back to me on the savings account rate and without the {$25.00} gift card. The next day I got a call saying that they will be more inclined to give me the 1.49 % rate if I were to open a PNC credit card. I said I will thin about it and let them know. 2 days later I went to the branch to agree to that and get the credit card in order to get the 1.49 % rate. I was told that they can not offer me the 1.49 % rate. Not only that, they can not even offer me the 1.34 % rate ( which I was told was n't for special folks who were target for it ). I was told the reason I ca n't get that Savings/XXXX account was because I had a growth account as part of the checking package. I find it very difficult to believe as I was asked to offer this very specific 1.34 % account while opening that checking package and now all of a sudden, this is not available. Even if the reason is true, that is no excuse for them lying to me about this account and rates and then trying to get me to open a credit card, etc ti get these rates. And then the matter of the promised gift card. They very conveniently forgot that they owed me that. I had to ask for it twice during my second visit to get it. I find that very dishonest. And now to the matter of the gift card. The back of the gift card says " For customer service please call XXXX or click XXXX '' The fun fact is that pncpaycard.com does not exist ( the correct site is XXXX which I found out on my own later using XXXX search ). So I called the number to ask about the website and I was told that I had been forwarded to lost and stolen dept and the regular customer service is closed. So the next day I found out the website on my own and login to check my balance and to my surprise they had deducted {$2.00} from the balance for that brief 30 sec conversation that did not provide the information I was looking for with no warning that such a fee will be deducted. I also found out that I can not use this card online because they provide no way to add my name and address to the card. I find it surprising that they provide no services for this card but still dare to deduct {$2.00} for a call that does not provide the information the customer is looking for. I have never seen such dishonest practices at any bank that I have encountered so far. | ||||||
| 08/31/2021 | Yes |
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| In XX/XX/XXXX, I requested a mortgage forbearance plan through PNC Bank as my job was impacted by Covid. I was approved in XXXX but continued to make payments in XXXX, XXXX and XXXX. I began to utilize the forbearance plan in XX/XX/XXXX. According to the CARES Act and XXXX XXXX guidelines, payments were considered " suspended '' while on forbearance. No additional interest, fees or capitalization could apply to forbearance plans initiated by Covid. In late XXXX I was called back to work. I immediately called PNC, my mortgage servicer, and said that I would be able to resume payments. After speaking with PNC loss mitigation representatives, I opted to enter into the payment deferral plan which was to take the principal and interest payments that were missed - from XXXX to XXXX - and move them to the end of the loan, payable upon maturity of loan. I began making payments on XX/XX/XXXX. On my XX/XX/XXXX mortgage statement, my principal balance was increased from {$190000.00} ( which was my balance when I entered into the forbearance plan ) to {$190000.00}. I have had several conversations with various representatives at PNC to ask why they added an additional {$5300.00} to my principal amount and they insist they are " required '' to add the 6 months of missed principal and interest to my overall principal amount IN ADDITION to adding the missed payments to the end of the loan. The CARES Act and XXXX XXXX do not allow capitalization which is exactly what PNC is doing. I requested a copy of my payoff to see what the amount owed truly is. This mortgage account was open in XX/XX/XXXX in the amount of {$200000.00}. The payoff, dated XX/XX/XXXX, states that I now owe {$200000.00}. After paying monthly from XX/XX/XXXX through XX/XX/XXXX, I now owe more than I originally took the loan out for? Either the organization does not understand that the CARES Act does not allow for missed principal and interest payments to be moved to the current principal balance or they are attempting to " double dip ''. The documents I have and have agreed to say nothing about adding my deferred principal and interest payments to my principal balance. Adding this amount is essentially adding a penalty fee for entering into a forbearance plan. This " penalty fee '' has costed me almost three years of principal balance payments. It is as if I have only paid {$700.00} to the principal over the course of 3 years. PNC refuses to address this and insists that this is how XXXX XXXX " requires '' they address the missed payments while on a forbearance plan and subsequent payment deferral plan. It is just the opposite really, they are not allowed to add any additional fees, interest, modifications or capitalization on Covid related forbearance plans. They are certainly not legally allowed to adjust my principal with the past due P & I amount but this is exactly what they did on XX/XX/XXXX in the form of a " principal adjustment ''. I need assistance with this situation as my next step is to higher legal counsel. This is fraudulent. I am certain that I am not the only one that this has happened to. PNC is taking advantage of consumers that are already in a tough position due to Covid. This is exploitation. XXXX XXXX | ||||||
| 03/11/2017 | Yes |
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| 1. PNC customer service & the letter I receive contradicts each other on the basics of my loan start date 2. The balance in Escrow provided by PNC staff on phone does not match the statement provided by XXXX 3. The website to log-in into the account to establish the account to make a payment does n't work. I am yet to receive PIN despite my several request and PNC confirmation of dispatch I received a letter dated XX/XX/XXXX from PNC ( copy attached ) stating that " The servicing of your mortgage loan is being transferred, effective XXXX ''. Based on the letter my understanding is that RESPA 's 60-day grace period will expire on XXXX. YOU SHOULD PERSONALY READ THROUGH THE BELOW TO UNDERSTAND MY FRUSTRATION : I called your customer service and talked to XXXX, then to XXXX and then conferenced XXXX representative ( listen to the conversation ). In that call XXXX representative laid down all facts. I was told that PNC will issue a ticket and resolve the issue. A month passed I did n't hear back anything, so I called PNC again on XX/XX/XXXX, and talked to XXXX. He mentioned something about opening a broader Customer Service Inquiry. I have no idea what it meant, but complex words were impressively deceiving. All this time the customer service has been telling me that the loan was acquired on XX/XX/XXXX. I called back again yesterday ( XX/XX/XXXX ) and XXXX brought a new twist to the story. In this hour long call first he told me something about XX/XX/XXXX. When I asked for clarification gave weird XXXX but acknowledged that loan was transferred on XX/XX/XXXX. When I read the letter to him, he amusingly gestured that I do n't understand the text of PNC letter and his interpretation was PNC sold the loan to XXXX. ( Listen to the conversation ). Startled but expecting PNC competency or wickedness I re-read the letter to him and as he was reading I asked him to complete the letter. XXXX reminded me of XXXX folks who concludes by reading quarter of the text. At any rate I had to again bring XXXX representative on the phone. I had a Dj vu, XXXX repeated : We transferred the loan on XX/XX/XXXX and the amount transferred was XXXX. XXXX repeated what other PNC reps said WE WILL OPEN A TICKET ( XXXX ). Listen to our conversation I predicted the response to XXXX. PNC has a discrepancy with XXXX records and your letter in terms of loan start date and in escrow transfer amount ( {$7600.00} vs. {$8700.00} ). In last three months I have been promised, investigation, confirmation and apologies if PNC @ mistake all has been pure waste of my time. Incompetency has caused me over 6 hours on phone with PNC and XXXX due to PNC mistake and another {$500.00} with XXXX and 2 hrs of my time. THIS IS MY EXPECTATION : 1. FIX THE ERRORS, WHETHER IT BE YOUR LETTER OF XX/XX/XXXX OR YOUR REPS MISTAKE. I WANT THE CONFIRMATION IN WRITING 2. FIX TRANSFER BALNACE AMOUNT AND SEND ME THE STATEMENT 3. FIX THE PIN ISSUE SO THAT I CAN ACCESS THE ACCOUNT ONLINE 4. CONNECT ME TO A DIRECTOR / VP WHO SHOULD ATLEAST HAVE MEDICRE KNOWLEDGE OF BUSINESS 5. REFUND ME FOR MY TIME @ $ XXXX & ATTORNEY FEE I am hoping for decency for you to set up time for us to have a discussion unless you guys are intentionally following XXXX to defra | ||||||
| 09/04/2018 | Yes |
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| On XX/XX/XXXX, I deposited {$270.00} at the PNC BANK XXXX XXXX, Wisconsin. My deposit was posted on XX/XX/XXXX ( Mon. ) At the time my balance was already {$710.00}, which made my balance {$990.00}. I made debit/check card purchases that totaled XXXX XXXX..giving me a plus balance of {$150.00}. The following day on XX/XX/XXXX ( Tue ), I was charged an overdraft fee of {$36.00} ... .bringing my balance to {$120.00}. Later on XX/XX/XXXX ( Tue ), a debit purchase of {$70.00} posted. Bringing my balance to {$50.00}. On XX/XX/XXXX ( Wed ), another debit purchase amount of {$40.00} was posted to my account bringing my balance to XXXX XXXX..in the PLUS ... still! On XX/XX/XXXX ( Thur ) ANOTHER OVERDRAFT FEE of {$36.00} was charged to my account..NOW bringing my balance to a negative balance of - {$25.00} ... I IMMEDIATELY DEPOSITED {$400.00} CASH on XX/XX/XXXX ( Thur ) ..the SAME DAY. I checked my account online and tried to figure out what I did wrong ... .everything was still in the PLUS until the second fee. I first called the customer service number on XX/XX/XXXX ( Mon ) and was told that my check was not deposited until TUESDAY! ( *I 've been depositing the same employers checks for over EIGHT YEARS, incidentally* ) I asked why and the representative told me because it takes that long. I explained to her that I have always had all funds available to me the day after my deposit ... for as long as I've banked with PNC Bank. She told me only {$100.00} was released the first day and that other transactions created " on their end '' a negative balance. I asked why doesn't it show when I am online managing my account..to which she had no answer. I spoke to another person that was just as condescending to me as the 1st rep. I then decided to go into the bank that same morning and speak with someone not outsourced, face to face. The branch manager basically reiterated the the same thing. I told her that at NO time did I have a negative balance and felt it was unethical to charge a fee on a plus balance. I politely asked for her to take it off to which she said she couldn't ( or wouldn't ). I again called the customer service number on XX/XX/XXXX ( Tue ) and spoke to a manager and she said the fees were justified even if I had never seen a negative balance on my end. I told her I needed documents sent to me regarding this since I was very unhappy with how unprofessionally they handled my account. She told me that the statement would not show a negative balance either. I AGAIN asked then how is a " valued customer '' supposed to manage their account online when the bank is so inconsistent with their deposit and debit policies? The bank could literally make anything up and charge a fee ( s ) with nothing to substantiate it to the customer. I received NO answer, just silence. She then told me I could leave a voicemail message for her manager since I didn't agree with the " solution '' she gave me. This is not the first time this type of discrepancy occurred. Last year in the spring it happened before and I went directly into the bank where the personal banker gladly took the fee off of my account, with an apology no less. I am ONLY keeping the account open now to hopefully get this matter resolved. | ||||||
| 07/17/2021 | Yes |
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| I opened a credit card several months ago with PNC and discovered one day when i was looking at my accounts that it was closed. I called PNC and they said it was closed because of inactivity. I had not used it at all. They recommended that i open another account but make sure i use it every now and then even to make a trivial purchase like gas so it will stay active. We opened another account and i used it once and paid it in full. On XX/XX/XXXX i receive a letter that my credit limit has been decreased from XXXX to XXXX with a summary of my XXXX credit score. My credit score is XXXX. So i call PNC customer service for the reason why it was decreased so drastically to the limit ( XXXX ) which people with very bad credit get. They told me they didn't have the answer and i would have to call XXXX. I called XXXX and the agent there and I looked at my credit report in detail. My credit score was XXXX and every description was termed " exceptional ''. The agent at XXXX said he didn't know why the PNC agent said to call XXXX. It was PNC who would have the reason it was decreased. He said call PNC back and ask to speak to a supervisor. I called customer service a few times and nobody called back. Finally i get a supervisor who tells me its being investigated and he opened a complaint and someone will call me back and to stop calling because i am hitting a wall. " Stop calling here your hitting a wall ''. How's that for customer service and how to treat a customer and that's from a supervisor. A day later another supervisor calls me back. She also does not know the reason why the credit limit was decreased and apologizes for the person who told me " stop calling here.your hitting a wall ''. Now keep in mind as you can see from the activity i really didn't need this card. She presents threeoptions. 1. ) Close the account which would affect my credit score. 2. ) Appeal the credit limit decrease which would cause a hard inquiry which would also affect my credit score. 3. ) Open up a new account with one of the institutions that have pre approved me. I don't want to close the account and have it affect my credit score. This isn't my fault why should i be punished. I don't want to appeal the decrease because it will create a hard inquiry that will affect my credit score. And i don't want to open up another account. If PNC was going to do this why did they give me the card in the first place? They just created a problem for me. I barely use ( used once ) and didn't even need their card. Its nice to have available but not if its going to cause a problem. And i don't want nasty sarcastic comments when i contact PNC as a customer. This happens every single time i contact PNC over a long period of time. I just had to open another complaint in the mortgage area. Complaint XXXX-XXXX. Every time from now on i am not treated as a customer by PNC and do not get correct information and do not get return calls i will open a complaint with the CFPB. And i forgot to mention get nasty sarcastic comments. This has been going on with PNC for too long and they were not held accountable in the past. Hopefully with the new CFPB we will have a change and consumers will be treated fairly and as customers. | ||||||
| 05/19/2023 | Yes |
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| After my mom passed away on XX/XX/2023, on XX/XX/2023 I contacted PNC Bank customer service and spoke with someone in their decedent department about the required documentation needed to have her checking account funds distributed to me. The total amount in her checking account was just over {$2000.00}. They instructed me to send an original death certificate, a copy of her last will naming me as the sole heir, a letter of instruction outlining how and where to disburse the funds, a copy of her drivers license, my drivers license and a voided check from her account and mail them to their document review department. I mailed the instructed items to PNC 's document review department on XX/XX/2023 from my location in Rhode Island. On XX/XX/2023, I received a letter dated XX/XX/2023 from PNC stating that they required an original or certified copy of the letters of testamentary/administration/short certificate or small estate documents. I contacted an attorney on XX/XX/2023 and was directed to PA Statute 31.01 Paragraph ( e ) which states the following : ( e ) Unclaimed property. -- ( 1 ) In any case where property or funds owned by an individual who has died a resident of this Commonwealth have been reported to the Commonwealth and are in the custody of the State Treasurer as unclaimed or abandoned property, the State Treasurer, at any time after the death of the individual, shall be authorized under this section to distribute the property or to pay the amount being held in custody where all of the following conditions are present : ( i ) The amount of the funds or the value of the property is {$11000.00} or less. ( ii ) The person claiming the property or the funds is the surviving spouse, child, mother or father, or sister or brother of the decedent, with preference given in that order. ( iii ) A personal representative of the decedent has not been appointed or five years have lapsed since the appointment of a personal representative of the decedent. On XX/XX/2023 I contacted PNC 's customer service line and asked to speak with their Document Review department regarding this matter. I was transferred to a supervisor that spoke with their document review department and stated that the only way to speak with a representative from document review was by responding to the letter ( further delaying disbursement of funds and potentially causing additional delays of back and forth responses ) or visiting a branch location ( my current residence is more than XXXX from the nearest PNC branch ). The customer service supervisor stated that there was no option to speak with the document review department directly to resolve the matter at which time I submitted a complaint formally with PNC and additionally am documenting one here as PNC 1 ) is not following PA state law statutes and 2 ) is unwilling to provide reasonable method to speak to their document review department and is making little effort to work with me to resolve this issue. Additionally, I had no issues receiving funds from two of her other accounts at competing banks. I believe PNC is intentionally making the process difficult as a means to not release the funds of which are needed to settle my mother 's expenses. | ||||||
| 02/25/2022 | Yes |
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| PNC BANK REPRESENTATIVE XXXX, XXXX called me on a recorded calls on XX/XX/2022. In the calls she stated that PNC did not process achs that are not linked to my original routing number. That is a lie. PNC has done it in the past. Because I call them out on what they have done to my account, and other things they have done in the past they are being very vindictive. I ended the call with XXXX, agreeing that the conversation had become adversarial because she sought to tell a lie and proceed with the conversation as though the lie was the basis of communication. I refused. Shortly thereafter, PNC turned off my voice mail banking. They are vindictive. This is the email I sent to XXXX on XX/XX/2022, upon learning that pnc has turned off voice mail banking : XXXX, XXXX you individually and PNC as an institution did to turn off voice mail banking you are requested to turn voice banking back on. In a recorded call yesterday, You lied about PNC not processing achs from different branches. PNC bank on XXXX XXXX, XXXX has provided counter checks with The routing number of their bank to me in the past. PNC in other parts of the country have processed achs from my account at various branches, with no issue. Once I confronted you about that lie, you told, I established that the communication was adversarial because you wanted to proceed in your lie based narrative, and I refused. You agreed that the communication was adversarial. As soon as I got off the phone with you, PNC voice banking has been turned off and the system suddenly is unable to verify my voice banking pin. You appear as vindictive as PNC has been in the past. Dont ever call my phone again. XXXX XXXX and justice be exacted. As I said before, XXXX XXXX, PNC REPRESENTATIVE, you may call. I have had a very adversarial relation with PNC and some of its employees for a long time. Because of people like XXXX, who will try and deceive, by stating a narrative that I checked her on and then try to control narratives that are not true. Know that, I am not the one. Documentation will show that PNC TAKES AN XXXX OF MY XXXX SOCIAL SECURITY ( XXXX ) EVERY MONTH, yet PNC has issues with honoring an XXXX for me to pay XXXX of my bills??? At this point, PNC, XXXX. Turn the voice banking back on. XXXX. XXXX XXXX XXXX the {$25.00} late fee and {$13.00} interest fee, that You caused by declining to pay the XXXX that the money was in the account, but you refused to pay. XXXX. Self correct. Every XXXX and XXXX individual and institution on XXXX is deconstructed. Regards, XXXX XXXX XXXX XXXX On XX/XX/2022, at XXXX PM, XXXX, XXXX XXXX sent an email to me stating that My concern that I had sent to CFPB was escalated to the office of XXXX Client Relations, on XX/XX/2022 by the XXXX XXXX XXXX XXXX XXXX XXXX, was assigned the matter, called me, and claimed that my experience matters to her and that she would like to discuss my experience and how she could can help. Well she could start by speaking truth. She can be directly reached at XXXX. Her office hours are XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX p.m. XXXX. XXXX XXXX XXXX Client Relations PNC Bank ( p ) XXXX ( XXXX ) XXXX XXXX Regards, XXXX XXXX XXXX XXXX! | ||||||
| 09/01/2022 | Yes |
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| i was fraudulently charged twice by a merchant of {$20.00} and {$26.00} totaling {$47.00} on XX/XX/2022, i filed a dispute with PNC bank on XX/XX/2022 stating i did not authorize those charges. during investigation they gave me a provisional credit for the charges. once they completed their investigation and without notice asking me for further information they sent me a letter stating one of the provisional credit of {$26.00} would be reversed due to them finding " no error '' in the second charge. thus causing my account to be overdraft into the negatives of $ XXXX on XX/XX/2022. this negative charge caused my account to be overdrawn in which i reached out to PNC multiple times to resolve the issue. on XX/XX/2022 i spoke with 3 different representatives trying to resolve the issue. during that time i was put on hold for over 30 minutes and hung up on by XXXX a PNC representative without receiving a resolution. once hung up on i called right back to their customer service team and XXXX another PNC representative told me she would transfer me to escalation supervisor, as i waited she explained no one was available and i would receive a call within 1 hour and if not i could call back. i never received a call on XX/XX/2022. XX/XX/2022 i called again and explained to XXXX a PNC representative that i never received a call she explained to me no one ever put in a call or appointment for escalation for me and stated also my " account was being put into CHARGE-OFF status due to the overdraft of the account. this was the first time i had heard and received notice of any kind that my account was pending charge off status. i explained that this was the first time i heard of my account pending charge off and she submitted a complaint for me stating i should be receiving a call in 24-48 hours. within that time a supervisor contacted me on XX/XX/2022 stating she would resend the dispute on my behalf during the call i got hung up on again before receiving confirmation of that process. i called right back trying to get reconnected and was told no notes had been taken during the call, at that time i was told another escalation would be sent resulting in another call being made within the next 24-48 hours. on XX/XX/2022 I received a call after XXXX which was a very inconvenient time for me and told the representative of PNC to please call within the reasonable hours of XXXX and XXXX. on XX/XX/2022 i received a call to help resolve my dispute and was told they will refile my dispute and would receive a notice within 10 business days. i asked since their investigation was inadequate and caused the overdraft could they reverse the charge off status on my account. i was told since it was reaching 50 days of overdraft on XX/XX/2022 that i could not get an extension. thus i had a complaint and more questions and was transferred to PNC 's charge off department. once transferred i was greeted by XXXX stating they are attempting to collect a debt and i have until XX/XX/2022 to pay them or my account would be closed without my permission, thus causing me distress and ruining my reputation which is illegal pursuant to 15 usc 1681 s-2, and being willfully non compliant ( 15 usc 1681- n ( 1 ) ( 4 ) ) | ||||||
| 09/25/2023 | Yes |
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| Shortly before XX/XX/XXXX my mortgage was transferred to a new provider, XXXX XXXX. A Bill Payment was submitted to XXXX to withdraw funds from my PNC account and make the payment to XXXX XXXX no later than XX/XX/XXXX. Several other payments were scheduled for payment by their due dates including XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. On approximately XXXX I received noticed that my XXXX XXXX mortgage payment was past due. Checking my PNC bank account I see that they payment was check was cashed on XX/XX/XXXX and recognized that a proof of payment was needed so that XXXX XXXX could post the payment to my account. On XXXX I called XXXX to have a proof of payment sent. They transferred me to PNC Bank at which time the PNC representative verified the merchant and the amount and informed me they would take care of it. On approximately XX/XX/XXXX I received notification via phone from XXXX XXXX that they had received the proof of payment and on XX/XX/XXXX I confirmed that the payment had been applied. Unbeknownst and without notification to me PNC had actually filed a dispute for the amount, XXXX XXXX XXXX XXXX, as well, and a reversal took effect and returned to my PNC account on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXXXXXX XXXX XXXX that my payment was past due. We checked my XXXX XXXX XXXX XXXX account and noticed that the account was frozen because we were unable to withdraw funds from your payment account which I was informed was because of the XXXX return. I called XXXX and they were closed. I called PNC and the person told me that they dont have the ability to submit a reversal and that I had requested the reversal. On XX/XX/XXXX I called XXXX to attempt to unlock my account. They informed me that the function to submit proof of payment and file a dispute are on the same screens and that at the end of submitting the payment information, a human error was made and they had inadvertently clicked dispute causing the reversal process to start. I informed them that in not confirming their actions they had locked my account and caused other payments to be late as a result. To date, I have incurred over {$110.00} in late fees and interest charges and most likely took a hit on my credit score as well. She said she would need to consult with tier 3 on what could be done. When she returned, she said that since this was not their XXXX XXXX system that, in fact, the mistake they made was actually caused by XXXX because XXXX was supposed to handle the proof of payment and should not have transferred the call. She referred me to XXXX to be reimbursed for the fees that I incurred. I asked to speak with her supervisor. Once transferred I was given the same information but the supervisor did say she would file a complaint and try to work with XXXX on resolving. She said that their process is supposed to take several business days. I asked for the PNC address to file a complaint and then proceeded to submit my complaint to the Consumer Financial Protection Bureau. I plan to also reach out to XXXX but anticipate a similar response pointing me back to PNC instead. I am looking to be made financially whole by the two responsible parties. | ||||||
| 10/06/2021 | Yes |
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| Hi, my bank is not helping me unlock my account, which traps all of my money I have. This makes the third time this company has done something to trap my money, but they only do these things after I have earned a large amount of money. I have gone a full month without a replaced debit card that I paid {$5.00} for and it was supposed to arrive within 3 to 5 days. It has been almost impossible getting this company to reply, because I sent them messages and they ignored me for at least a month on this issue. My phone number which is currently associated with this bank account is the only way my online banking account can be unlocked, and this phone is currently locked down by XXXX XXXX who is also refusing to help me so that I can make a payment to get the phone back on. XXXX has suspended the account which prevents payments from happening until the suspension is removed by them, but a rude corporate member by the name of XXXX XXXX refused to remove the suspension. This suspension happened with them awhile back and had to be removed by an agent first before making a payment, and I have the chat transcript saved which shows this agent actually knew that the suspension had to be removed first so I can make a payment. With this phone number being locked down, a member with the BBVA bank corporate named XXXX XXXX finally emailed me and told me that the phone has to be used to verify the account, and that no other way can be used, despite the fact that many other companies always have other ways that a person can verify their account when something like this happens. I believe I have just come across some rude people who are doing things to me on purpose. Can legal action be taken against them since they are refusing to help and have basically stolen my money at this point? In the email, XXXX that the card was delayed somehow and that they shipped it on the XXXX of XXXX, but its still not here. It should have been shipped early XXXX anyway. There should be some way to access my money, and this lady is refusing to help. I cant understand how the corporate has no way to access my account without sending a verification code to a phone that can no longer be accessed. Should they not be able to access the account some other way? Or maybe close the account and send me a check? I demanded to XXXX that they send me a check with my money since I cant access the account, and now she has not replied back. She was replying fast yesterday until I told her that I may pursue other options if they refuse to unlock my account. I believe at this point she will began ignoring as they already were doing for a full month. I believe they were annoyed that I did not have a phone to be contacted. What is the best option for me to take to get my money? And should I sue this bank for not getting me that debit card in a reasonable time? I have faced many hardships over this matter and it is only getting worse because of this bank holding my debit card and keeping my account locked on purpose. It makes no sense at all how they are not able to do anything about both of these issues unless they are doing it on purpose. It can be clearly seen in the emails that XXXX sent that she was stalling me on purpose | ||||||
| 06/16/2016 | Yes |
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| I apologize but I have to file another complaint against PNC in regards to XXXX XXXX XXXX 's response to my previous complaint ( Case # XXXX ), regarding my student loan I received for my time at XXXX XXXX XXXX of XXXX. Although I did dispute the response I need it addressed. The information provided by XXXX XXXX XXXX contains incorrect statements and she did not address my complaint nor did she provide evidence that PNC did inform me of the impending status of my loan. ( I 've attached her attachments form the above case # ) According to the submissions attached with her response there was almost 4 months of no contact between XXXX XXXX, XXXX and XXXX XXXX, XXXX, so the line of " repeated attempts to contact me '' in the letter dated in XX/XX/XXXX is false. And again I DID NOT RECEIVE this letter provided dated XXXX XXXX, XXXX ; and there were not any there after. Additionally, I have no record of any of these e-mails, I do n't even know what address they sent it to ; and they did not state it in this " final response. '' If it did not go to my XXXX account then I did not get it. EVEN SO the last reported e-mail was sent XXXX XXXX : 10 months prior. As for the phone calls, I do not have any record of them ; again I do not know what number they would have used to call. In all honesty I was not informed of its impending status. When this account was " closed '' my account was to my knowledge not 90 days late. I then made a payment in XX/XX/XXXX. AGAIN I was not made aware of this being " closed '' until I received a notice from XXXX XXXX XXXX XXXX, XX/XX/XXXX, clearly months after the reported closed date. According to my XXXX credit report the last payment received was XXXX XXXX, XXXX. This is absolutely incorrect ( My XXXX says it was XX/XX/XXXX, again : incorrect ). With the second payment I made XX/XX/XXXX I was caught up. I have to believe that the payments I paid after the date listed on my credit reports were not placed on my account ( in addition I had been paying {$50.00} over the amount due every month ). I stopped paying once I got the notice from the XXXX XXXX XXXX people. In the " final response '' XXXX XXXX XXXX stated I made a payment on XXXX XXXX, XXXX ; I did no such thing. I literally have no idea where this information came from but it is wrong. Below are the payments made to XXXX/PNC since XXXX XXXX, as far as I could go back without going into my bank, again I had been having troubles because of my lack of employment, to my knowledge, I had it caught up in XXXX. With the information I have been given and what I know to be true, I believe I was not given credit for the amounts under XXXX XXXX, XXXX due to the information on my credit report. These are the dates the payments cleared. ( I 've also attached proof from my bank ). XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} XXXX XXXX, XXXX {$300.00} For any future reference I am not and have not been in contact with the co-signer, for my own protection, for the past 2+ years : meaning any contact between XXXX/PNC and him is unknown to me and will remain so. | ||||||
| 12/29/2022 | Yes |
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| I received a consumer report from XXXX XXXX XXXX on or about XX/XX/XXXX. The report contained a detailed accounting of my XXXX banking account transactions with PNC Bank/Compass Bank XXXX XXXX XXXX XXXX Compass Bank, aka BBVA , was purchased by PNC Bank in the XXXX XXXX ). PNC Bank shared my person information in violation of PNC 's Terms & Conditions with its checking account customers which states on page XXXX : FEDERAL LAW GIVES YOU THE RIGHT TO LIMIT only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. It also states in PNCs Term & Conditions that : Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. PNC DOES NOT SHARE with non-affiliates It further states in PNCs own Terms & Conditions the following for California Residents ( as I am a resident of California ) : All statements to Federal Law mentioned above reference U.S. Federal Law. California and Vermont : If your account has a California or Vermont billing address, we will AUTOMATICALLY LIMIT SHARING your information with affiliates and non-affiliates or for joint marketing with other financial companies. Additionally, PNC and XXXX XXXX XXXX have violated my federally protected rights under the Privacy Act of 1974/5 USC 522a by sharing my personal information. As there was and exists no permissible purpose under the law, for PNC to share my personal information with XXXX XXXX XXXX, a XXXX party, both PNC and Early Warning services are in violation of 15 USC 1681b. They also violated 15 USC 1681b, Title IV section 604 ( aka Fair Credit Reporting Act ) and Public Law 90-321, by sharing and disclosing my personal information including my social security number which is illegal to do under federal law. The laws states that it is only to be shared " In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) '' ; or, " To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. '' At no time did I give permission for PNC to share my information with XXXX XXXX XXXX who is a nonaffiliate. At no time did Early Warning Services obtain my consent to obtain my information for any permissible purpose. At no time did PNC communicate, indicate, inform, nor seek my consent to share my personal information with Early Warning Services. Because both PNC and XXXX XXXX XXXX have acted fraudulently with my bank account and my personal information, they have violated PNCs own Term & Conditions which expressed that it does not and would not share personal information with a nonaffiliate, but they also acted abusively violating my consumer rights under 15 USC 1692, UDAAP and CCFPL. I will also be reporting these violations to the CA Attorney General, DFPI, and the state and federal Comptroller 's offices. | ||||||
| 03/20/2023 | Yes |
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| On XX/XX/XXXX, PNC not only froze our account, but we believe that PNC unlawfully removed money from our joint account. This all stems from our daughters account ( in which my spouse was a co-signer seven years prior, as she was a XXXX at the time and needed to deposit work checks ). She was recently a victim of identity fraud via XXXX, and PNC not only did nothing to help her ( despite all evidence and EVEN VIDEO CHATS WITH THE FRAUDER ). What did PNC DO? Well, they RAIDED the JOINT ACCOUNT HOLDER 'S OTHER ACCOUNT ( which has a completely different partner on that account and without permission ) to FREEZE AND DRAIN OUR FUNDS ). They claimed Right of Offset to raid our account and take our money to fund arrears. At this point in the process, this goes beyond PNCs so-called Right of Offset. I spent HOURS trying to find this clause on our account agreement and their website. NOTHING. IT IS NOT ON EITHER. In fact, the branch manager that I met with couldn't ' even find it! She had to find a policy on her hard drive and after printing 64 pages, she couldn't even find it. I HAVE THIS ALL ON RECORDING. After more than 25 years of banking with PNC, Weve been astounded at the lack of contact, resolve, care, ethics, and professionalism displayed. Since XX/XX/XXXX, we've been contacting them via phone, email, and even face-to-face at the local branch. We have yet to hear anything. Our account is still frozen and no access to our account/money. This account freeze left us with undue hardship and PNC put my spouse 's safety at risk due to travel 5 days a week for work without money. PNC left us without money for food, gas, and the ability to pay bills. This is unfounded -- especially in this current economic condition! I met with a branch manager on XX/XX/XXXX and had a full letter with account of the situation. The letter was never read. Instead, I had to ask for an escalated investigation and she said that she would go ahead and escalated it and someone would be in touch. I haven't heard a thing. I reached back out via email on Friday, XX/XX/XXXX to get a status updated ( she said to email her anytime ), and I still haven't heard back. We finally had to do our best to find the name and email of a PNC executive involved in customer care. Sent an email on Friday, XX/XX/XXXX, and still haven't heard from anyone. In the meantime, We are at a loss. In reading the complaints about XXXX -- - a system CREATED, PROMOTED, AND PROFITED on by the banks themselves, we see that billions have been stolen from accounts. But to RAID A JOINT ACCOUNT WITH ANOTHER PERSON 'S NAME ON IT ( WHO IS UNRELATED TO THE ORIGINAL FRAUDED ACCOUNT ) IS UNFOUNDED!!!!!!!!!!!! At this point, legal action may be the only way to receive resolution. We are also going to meet with our Senator on XX/XX/XXXX. We've filed a police report as well, as we believe this is theft. I am attached TWO letters : The first dated XX/XX/XXXX for a 1:1 meeting with the assistant bank manager that was never read, but handed back to me and supposed to be directed toward the " escalated '' complaint once they reached out. Second dated XX/XX/XXXX to the PNC VP in XXXX, NC who handled Retail Accounts and XXXX XXXX. | ||||||
| 08/26/2022 | Yes |
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| Charges began XX/XX/XXXX on my daughters debit/checking account. I am also named on the account as it was her student account. My husband received a notification about the overdrafts on XX/XX/XXXX. She had a {$5000.00} overdraft, supposedly because of a credit card my husband opened with her when she was in college. Called bank immediately. Account was frozen. Meeting set up at XXXX branch for XX/XX/XXXX. XX/XX/XXXX Disputes were filed at the XXXX branch on almost {$5000.00} worth of fraudulent charges. Was told it could take up to 90 days. XX/XX/XXXX or XX/XX/XXXX Met again at XXXX XXXX. {$140.00} was taken from my checking account to pay overdraft payment. It was reversed and {$4500.00} from the dispute provisional credits in my daughters Virtual Wallet account was used to pay down the overdraft account. XX/XX/XXXX - {$10.00} taken from my account for loan that was due to fraudulent charges. XX/XX/XXXX - {$10.00} taken from my account for loan that was due to fraudulent charges. XX/XX/XXXX - {$10.00} taken from my account for loan that was due to fraudulent charges. XX/XX/XXXX Talked to bank. They said disputes were completed. They could close the Virtual Wallet account. They credited the balance of {$89.00} to my account. I asked about the outstanding balance of {$330.00} on the overdraft account, because that was also due to fraud. The lady at the XXXX XXXX was going to investigate how to deal with it. She never called back. A few days later, account appeared back on my online banking, but was now listed as Standard Account with a {$3600.00} negative balance. Then daughter received letters saying that many of the disputes were denied. XX/XX/XXXX My husband received an email saying that the new standard account was 11 days overdrawn and to make a payment or bring the account up to above {$0.00}. Talked to numerous people. Finally was told XXXX was handling my case. I could not get through to her number. She had called me from an anonymous line and left a message. After a lot of back and forth phone tag, she said there was nothing she could do. XX/XX/XXXX She gave me the number for the fraud department. ( Our branch had given us a fraud number before, which turned out to be a number for opening a credit card ). After my husbands suggestion, she said she would have the fraud department call us. I also left a message on XX/XX/XXXX. XX/XX/XXXX Tried to call corporate. Talked to a manager who tried to help me and give me advice. Called 2 branch managers to try to set up another appointment. XX/XX/XXXX XXXX called from Retail Services. She tried to get through to the fraud department. She really cant do anything either. XX/XX/XXXX Stopped by PNC for a transaction. Talked to a senior banker about issue and how no one has been able to fix the issue after over 4 months and numerous filings, calls, meetings, etc. I told her I left a message for the branch manager on XX/XX/XXXX to schedule another meeting and had not received a call back. She said she had been out and had been very busy when she was there. XX/XX/XXXX Still no call from branch manager. Still not call from Fraud Department. Messages sent to them on XX/XX/XXXX from PNC and by me on XX/XX/XXXX. | ||||||
| 04/08/2018 | Yes |
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| I have been having an ongoing problem with Pnc concerning a lease buyout dating back to XX/XX/2018. I have filed a complaint with the CFPB which was eventually taken care of thanks to you ; however, since then new problems have arose. In XX/XX/2018, Pnc has said that I did not make a payment for the loan. The payment is autopay from my checking account. I was not informed of this till late XX/XX/2018. In XXXX, I was double billed @ {$450.00} ea. When I called they reversed out 1 payment @ {$450.00}. Still charging me an additional {$450.00}. Then a series of late fees ensued @ XXXX. Ea. @ XXXX ( I have lost count ). To complicate things, I was XXXX from work from XX/XX/2018 to XX/XX/2018. I was able to pay XXXX payment. In XX/XX/2018 I was billed for 2 payments again, $ XXXX.ea. It was then that I was informed that a payment was never taken out in XX/XX/2018. The payments escalated to {$950.00}. I called their XXXX # to inquire on this XX/XX/2018 and talked with XXXX XXXX concerning the account, who was very helpful. I had attempted to close my checking account 3 times prior, only to have my checking account go from " {$0.00} '' balance to @ - {$140.00} due to overdraft fees. She took care of all the overdraft fees and left my account to a + {$61.00}. She mailed me the check. She then closed my checking account, after 4 attempts on my part. I informed her I had 2 autopay accounts and I would need payment books or paper billing to continue making payments on 2 loans, 1 auto and 1 personal unsecured. I was transferred to the loan dept and talked with XXXX. She gave me the account # s, so if the paper billing did not arrive I would put the account # s on check to make payments. She also gave me payment amounts of {$420.00} auto due XXXX and {$170.00} personal due the XXXX. She then transferred me to XXXX ( spelling? ) In the deferrment department. I was transferred there because of the work status XXXX issue. I was told that Pnc has a provision with their loans to defer loans 2 months in a 12 month period for personal issues which my 2 month XXXX falls into. I had the money to pay that day for {$450.00} but according to XXXX, it was no problem to make payment XX/XX/2018 for {$450.00}. The additional money would go on the regular payment date. Approximately 2 weeks later I received a letter from Pnc that they were not going to honor that conversation, and now my payment is late. Now the payment is + {$950.00} due immediately or I was in default. I received notice from a credit monitoring company today that my credit score has dropped +120 points because of this issue. I believe that Pnc is " bullying '' me. They have changed the amount of my payment to {$450.00} from {$420.00} monthly and even higher other months. I have been offered an unsecured loan of 5.99 apr from XXXX, my new bank but fear that this " reported '' non payment will jeoprodize this. I want to severe all ties with Pnc but these " harrassments '' will NOT stop. Please help ... XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX PHONE # XXXX. I am unable to take calls from XXXX. Please leave message. Email : XXXX Thank you for any assistance you can provide. Any paperwork I have is available upon request. | ||||||
| 04/15/2017 | Yes |
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Web | Older American |
| XXXX XX/XX/XXXX XXXX XXXX, CA XXXX Ref : Loan by PNC Bank XXXX, XXXX, OH XXXX ; Loan No. XXXX ; Sale of Home at XXXX, XXXX, CA XXXX ; Closing on XX/XX/XXXX ; Closing Handled by XXXX. ( XXXX ) - File No. XXXX ( KV ) Dear XXXX, It a sad story of unadulterated and deliberate abuse of XXXX Americans. PNC tried and still trying to steal the property tax money XXXX {$2500.00} ). On XX/XX/XXXX, PNC 's XXXX ( XXXX ) told me that the property tax was paid on XX/XX/XXXX. I requested and received XXXX letters from PNC ( Exhibit XXXX + XXXX ). I notified FATC not to pay the tax, however, XXXX went ahead and paid the tax anyway. In the meantime, I spent hours at end to do research as to what happened. I made hundreds of long-distance calls. I went to the higher echelons of FATC, but to no avail. On XX/XX/XXXX during a conference call among XXXX persons ( myself, XXXX 's XXXX and PNC 's XXXX ), XXXX told us the same thing, i.e. the county was paid on XX/XX/XXXX XXXX, contacted the XXXX that informed the opposite as indicated by XXXX XXXX Message of XX/XX/XXXX. As you can see PNC continues to say that it has paid the tax. Please note that if I am late in paying the mortgage payment by XXXX DAY, PNC will SLAP A LATE PAYMENT FEE of {$89.00}. Now, it is reasonable for me to demand PNC to refund the tax ( XXXX ) that was never paid, plus a minimum of 10 % late payment fee. Resolution : PNC to refund the tax ( XXXX ) plus a minimum of 10 % late payment fee ( {$250.00} ). I ask CFPB to force PNC to compensate me for the losses that me and my family have suffered. Mortgage companies, like in the past has no moral fiber and continue to cheat trusting customers. It is time that CFPB take a strong action against this dishonest bank. If you do n't, I do n't know who will. I greatly appreciate your valuable assistance in this matter. Should you have any questions, please contact me at your convenience. Sincerely yours, XXXX XXXX : XXXX ; Cell : XXXX EXHIBIT B ( Exhibit A to be faxed ) EXHIBIT B XXXX, XXXX & XXXX ; XXXX ; XX/XX/XXXX ( 2 days ago ) Reply to me, XXXX, XXXX Hello XXXX Thank you for taking the time to speak with me. Below is the information provided by XXXX regarding tax payment in question. Please let me know if you have any questions or need me to do anything else Have a lovely day, Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Email : XXXX CELL XXXX From : Tax Info [ XXXX ] Sent : Thursday, XX/XX/XXXX XXXX To : XXXX Subject : XXXX : Please provide proof of payment for parcel XXXX Good afternoon XXXX, The XXXX and only payment we 've received for the XXXX Installment on this parcel came from : XXXX Check # XXXX in the amount of : {$2500.00} Core logic which is the taxing service company that the homeowner 's Mortgage company uses, also tried to pay the XXXX Installment on XX/XX/XXXX because XXXX had already paid the XXXX Installment back in XX/XX/XXXX XXXX never released the funds for the XXXX to the County even though they left his Escrow account. What will end up happening in this case would be that XXXX will automatically credit that money back to the XXXX 's escrow account. Please note this XXXX take anywhere from XXXX days. | ||||||
| 04/16/2020 | Yes |
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| " Regarding your assertion that you were informed that there is no record of the promotion, PNC does have an ongoing promotion with XXXX XXXX. In order to qualify for any PNC promotion with XXXX XXXX, the application must be submitted using the link associated with the offer on the XXXX XXXX website. As stated in the previous responses, your application was submitted through pnc.com, where no promotions were being offered at the time you applied. '' First of all.. " Regarding my assertion that I was informed that there is no record of the promotion ''?? Um, no. I WAS informed that there is no record of the promotion. Previous responses on record show that ... " At the time of the application, PNC has no record of a bonus offer being presented to you. '' So, yeah ... Second of all, you want to talk about assertion?? My " assertion '' was correct. You and the rest of your gang over at the Executive Relations Team, really seem to maintain " your '' assertion, that at the time of my application, PNC has no record of a bonus offer being presented to me ... Well, due to you foolishly releasing this new information about an ongoing promotion with XXXX XXXX, you basically just ratted yourself and the others out that you all have been lying regarding " your/their assertion '' for the last 6 months that you had no promotion going on!! So, thank you XXXX, for admitting that you've had an ongoing promotion with XXXX XXXX. Sreenshots attached will show that I've had Credit Karma since before I even opened up my account with PNC, and also that I've been receiving emails from them well before that. Clearly, I don't save them all. Didn't think I ever needed reason to. If I kept every little email I receive, my inbox would be too overwhelming. But, thank you for refreshing my memory as to where I found that promotional offer. Regarding you and your colleague 's assertion that my application was submitted through XXXX, prove it ... If you can't, then it is required that you credit my account accordingly, as per the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act. Your collegues previously told me over the phone that I needed to show them the email where the bonus was promised to me. It should not be expected of me to prove that I submitted my application from a XXXX XXXX email. Sorry, but there was nothing in the email stating, " Warning : Screenshot this email because PNC may not keep their promise of giving you the {$150.00} bonus. '' PNC however, needs to show proof that there was no promotional offer at the time of my application if a customer makes a claim that there was. And after 6 months, you XXXX, have finally admitted that there WAS in fact an offer at the time. So, you've already shown that you all are capable of lying. Now you need to show proof that I did not submit my application via XXXX XXXX. What you people did was wrong. You offered a {$150.00} bonus via my credit monitoring service to reel me in, and then took it away. And what's worse, lied about ever offering it. That is called " bait-and-switch advertising '' ; and not AT ALL in accordance with the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act ... | ||||||
| 03/31/2023 | Yes |
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| On XX/XX/XXXX, I went to the PNC Bank at XXXX XXXX XXXX. I had a bad experience with a woman XXXX who was rude and who I ended up doing a survey on. I scored her low on everything because she didn't provide exceptional customer service. I got a survey two days later on the XXXX. On XXXX XXXX XXXXXXXX I got a call from someone who was the branch manager I am assuming because the number was from the branch I went to, which was not my normal one, and it was on a Saturday I got the call, and was already dealing with a death in my family, so when I seen the number pull up, I picked up the phone and yelled, " I don't want to talk about the survey I did on that XXXX XXXX at the branch '' and I hung up. Now all of a sudden on the XXXX my account gets closed for no reason at all and was unaware of the closure until today. I was XXXX the XXXX and XXXX and did not even use my card, but I filed my taxes after I received my paycheck on the XXXX, and put the direct deposit information in from my bank ( PNC ) since I had my account the last two years from when the previous company sold their bank to PNC ( I can't even remember the old bank ). But now all of a sudden it seems odd that my card was closed on the XXXX supposedly, but I used it on the XXXX, I used it for XXXX, my usual, the entire weekend, all the way up to the XXXX. Why did my card decline while I was trying to get gas today XX/XX/23??, and because of their unlawful practices, left me stranded for hours with a serious medical condition. I was unable to use my card at all today. So now I have a tax refund that will be sent back to the IRS, and having to stop payment on my pending paycheck -- all because I didn't want to talk about the woman who I scored low on a survey. This is RETALIATION and DISCRIMINATION, and the reason I was given was -- - '' The bank can choose to close my account for any reason '' but there was NOT a reason. I want to bank manager investigated, and I want to know why exactly my account was closed. To have to wait three days from the call that was placed to me about the survey, to try and find a lawful excuse -- which what happened was unlawful and poor moral ethics to even close my account because they didn't like how I complained on the survey is what my complaint is all about. I want that entire branch investigated, because they purposefully closed my account based on my comments and score on the survey from XXXX, that woman at that branch. When I left out, they were all standing around -- branch managers and all. One said have a good day, and I said hmmm and stormed out. I honestly was not happy at all about the woman clerk who waited on me. She always has an attitude it seems like she don't even like her job. She needs some training and coaching on how to provide good customer service at ALL times. I am the customer, and she should never ask me with an attitude " So what are we doing here? '' " So are you going to right your account number down ''? When they are supposed to do it if a customer doesn't have it readily available. She was just rude and I spoke on it, and someone didn't like it. I know this is retaliation and discrimination and I want it all to be investigated | ||||||
| 08/17/2023 | Yes |
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Web | Older American |
| On XX/XX/2023 I attempted to cash a check in the amount of {$4100.00} dollars at the PNC Bank located in XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXXXXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX tellers name is XXXX XXXX at XXXX XXXX. The XXXX Assistant Vice President/ Branch Manager is XXXX XXXX located in the same branch in XXXX XXXX XXXX XXXX Pennsylvania There also was a 3rd XXXX XXXX in a office that I did not get a business card from. She was also involved with this situation. I have cashed over 16 + checks weekly since XX/XX/2023 with PNC Bank along with cashing checks in XXXX PA my home. The checks have always had my name XXXX XXXX XXXX and i was always charged {$82.00} cents for Not having a PNC account myself. But I do have personal accounts and business accounts with numerous banks including XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX and a few others. I did present my State of Pennsylvania Driver License and XXXX XXXX card as ID The teller XXXX XXXX was proccessing the check and asked me had I cashed checks with the XXXX family before. I replied yes many times. I am a XXXX XXXX and Owner of 5 separate Businesses in the XXXX XXXX. The teller was writing on the computer for approximately 20 minutes. I am assuming she was typing some type of notes on their account for some reason. I have cashed thousands of checks in 27 states but I never had a teller typing while continually looking at the XXXX Check. I finally ask the teller was there a problem and she said nothing. She then proceeded to leave the tellers office and went across the room to talk with the woman in the office. After 15 minutes she cam back to her tellers office and answered the phone. At that time I called the customers daughter and explained that I was having problems with PNC trying to cash the check and could she please call them. I sat down in a chair next to me in the bank. As I sat down a XXXX man said to me, he hoped that i had a good check trying to cash it. Because next thing would be the police coming into the bank. I realize that I was being profiled and being discriminated against because I was XXXX XXXX American. I also realize that I was in XXXX XXXX XXXX XXXX and Republican I called the PNC bank office in XXXX PA since the staff was familiar with the XXXX family trust and me working on their home. The woman answered and I explained what i was dealing with and it was XXXX discrimination in my opinion. She said she would call the bank and see what the problem was. After 15 minutes she called me back and told me they had not given her a reason why they would not cash the check. I stood up and I overheard the 2 XXXX XXXX talking and the one said to the other. That a employee had called from the XXXX PNC branch and verified their check and who i was. Neither on of them said anything to me at that point I had been in the bank for over 40 + minutes I asked the teller for the bank managers card Then I asked for the tellers pnc card. I left the bank with numerous XXXX people looking at me like i was a thief. No one in the bank apologized nor said sorry. I was humiliated and upset. I am consulting with 2 of the lawyers who represents us in XXXX and XXXX. | ||||||
| 02/07/2018 | Yes |
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| We have an FHA mortgage loan and the holder of the loan is PNC Bank. PNC Bank is refusing to review us for homeowner assistance options. They will not assign a point of contact to work with us, they will not consider any alternatives to help us get back into good standing on our mortgage other than full reinstatement. They won't even answer their phone when we call or return our call!! This whole problem started when a check bounced about a year ago and it led to multiple overdraft items and fees and ONE missed mortgage payment. We have tried the entire time since we missed the payment to fix this and PNC has been unreasonable and difficult the whole time and has obstructed the process. We are now facing a foreclosure sale date of XX/XX/XXXX. We have owned our house for nearly 10 years. My husband and I occupy the home with our XXXX children. My husband has worked as a XXXX for years and I currently work as a XXXX XXXX XXXX. We make enough money to pay our bills, but don't really have much of a rainy day fund. In XX/XX/XXXX our bank account became overdrawn. This led to multiple checks bouncing and multiple overdraft fees. It was a mess for a couple of weeks and as a result we missed our mortgage payment. The next month ( XX/XX/XXXX ) I called in to try and make my regular mortgage payment. They told me I had to pay two months worth of payments, plus late fees. I told the PNC agents I could pay the full payment for XX/XX/XXXX and half for XX/XX/XXXX and that we could work the rest of it out. Their agent refused to accept this arrangement, and told me there were no options other than full reinstatement. We continued to try and fix this matter over the next couple of months, but their agents would not work with us on some type of repayment plan or a way to bring down the delinquent balance by making payments and PNC continued to tack on late fees. We made an honest effort to fix this problem but feel we were stonewalled by PNC. Finally when we were 3 months behind we were told that we could apply for help through a modification. I began this process and sent the paperwork in over and over -- this must have gone on for six months. Eventually we received a letter stating that PNC was no longer going to continue the review because we had exceeded our options. The meaning of this was not explained, and we don't understand how we could be trying to fix this for 8 months and then after all that time are told there are no options for assistance. This minor problem, where I had the ability to get caught up and only be a partial payment behind has now turned into a disaster for our family. We are told that there is a foreclosure sale date on XX/XX/XXXX. We do not have an assigned point of contact, and when we call to try and get answers or talk to someone about our case no one picks up. This is wrong and not the way things are supposed to work. There are multiple assistance options available on a FHA loan that is backed by HUD and PNC is supposed to review us for ALL of these programs in order to determine what options are available. By dragging this out from 1 month to 4 months to 8 months and now 14 months PNC has put our backs against the wall | ||||||
| 04/01/2023 | Yes |
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Web | Older American |
| On XX/XX/XXXX, two checks were fraudulently written against my checking account with PNC totalling {$4200.00}. The checks were not from my check book, rather they look like bill pay checks, but not exactly. These checks do not have my name on them at all. Not at the top of the check, nor was my signature on the check authorizing the payments. The checks did have my business address at the top left, indicated " Signature On File - This check has been authorized by your depositor '', and my checking account number was at the bottom of these fraudulent checks. On XX/XX/XXXX is when I noticed this fraudulent activity. The reason I didn't notice this sooner was because XXXX XXXX XXXX XXXX XXXX XXXX twice over a 3 week period, my nephew passed away suddenly, my older brother fell extremely ill, and the XXXX, XXXX and XXXX XXXX holidays distracted me from my usual daily routines. I immediately contacted my PNC Branch at XXXX XXXX XXXX XXXX in XXXX, PA XXXX. I was then contacted by XXXX XXXX from PNC and was instructed to come into the XXXX on XXXX to put a freeze on the account and open a new account. I was told there would be an investigation before I would be reimbursed and that it could take 30-120 days but that they would get back to me from time to time to keep me informed of the status of the investigation. On XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX called to let me know the investigation was ongoing. On XXXX I received a voicemail message stating the investigation was being closed and that the disputes were being denied because I reported the fraudulent activity outside of the 60-day time frame stated in the paperwork I signed when I opened the account approximately 30 years ago. I have been fighting with PNC since and I keep getting the same result with each and every PNC representative. I have since sent a letter to the Branch Manager/Asst VP of the XXXX Branch XXXX XXXX XXXX XXXX on XX/XX/XXXX which was never acknowledged. Another representative advised me to complete and submit a signed Affidavit which was notarized for each of these fraudulent transactions which I did on XX/XX/XXXX, only to be again advised that my request is being denied as it was outside of the 60day window. My son has also attempted to help me get resolution by coming to the branch with me, corresponding with PNC via XXXX, and having follow up phone calls. Still same result. Request is denied to return these funds to my account. PNC will also not give us any information as to the status of the investigation. Today I filed a police report with the XXXX XXXX Police department ( investigation # XXXX ). I am attempting to get our local news media involved as well. I am pleading with you to assist me in getting PNC to do the right thing and return my {$4200.00}. I am XXXX years old and this is a severe hardship for me. I did nothing wrong. I am a victim of fraud, and PNC with whom I have trusted to secure my hard earned money are refusing to assist me because I was just 3-4 days outside of their 60 day window. They will not take into account the 3 National holidays nor the other extenuating circumstances listed above. I appreciate your time and consideration. | ||||||
| 09/28/2021 | Yes |
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| PNC BANK , NATIONAL ASSOCIATION - XXXX did not return recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfpb complaint # XXXX. PNC BANK , NATIONAL ASSOCIATION - XXXX stated that there are no funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX system of internal controls did not effectively identify or address the XXXX related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. PNC BANK , NATIONAL ASSOCIATION - XXXX management was ineffective in overseeing PNC BANK , NATIONAL ASSOCIATION - XXXX day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX XXXX-related deficiencies demonstrate that PNC BANK , NATIONAL ASSOCIATION XXXX XXXX compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. PNC BANK , NATIONAL ASSOCIATION - XXXX did not detect or investigate suspicious activities to determine whether SAR filings were appropriate. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, PNC BANK , NATIONAL ASSOCIATION - XXXX failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to know their customer 's financial affairs in terms of source of income. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. PNC BANK , NATIONAL ASSOCIATION - XXXX did not collect or maintain sufficient information about its banking customers. In conclusion, PNC BANK , NATIONAL ASSOCIATION - XXXX engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. PNC BANK , NATIONAL ASSOCIATION - XXXX responded to XXXX handling the recall of my funds that there are no funds available in the account from {$60000.00} wired out of my XXXX account into PNC BANK , NATIONAL ASSOCIATION - XXXX, account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, DE XXXX. | ||||||
| 11/26/2022 | Yes |
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| Continuation to complain # XXXX On XX/XX/XXXX I submitted a request to my mortgage company ( PNC Bank ) to close the escrow account. After many calls and follow-ups, I finally received a letter on XX/XX/XXXX indicating my escrow account can be closed but I have to pay a fee of {$1100.00} for " closure fees '' and submit a consent form. I signed the form and sent it back to the bank via mail as requested. On the night of XX/XX/XXXX at XXXX EST, I called and spoke to XXXX at PNC requesting information regarding the fee they disclosed and where in our document was this acceptable. The lady on the phone, after several minutes of review, indicated she couldn't find the clause in the documents that allowed them to charge me this fee. I requested her to have someone call me and drive me through the document as to where those fees were agreed upon in our document. So far, I have not heard back from the bank and I don't want to delay more the closing process. I just want indication as to what we agreed upon is correct and that I'm to pay those fees. If that was not the case, I shouldn't be charged for that. PNC issued a letter dated XX/XX/XXXX in which there were referenced 2 sections of the security deed as their reasoning to charge me 0.25 % of unpaid principal ( {$1100.00} ) as what they have called " escrow account closure fee '' related to my approved request to close my escrow account. These 2 sections are incorrect in nature as to allow PNC to charge this fee due to the following reasons : 1. Section 3 " Fund for escrow items '' states as indicated by PNC that the borrow shall pay the lender the funds for " Escrow Items ''. PNC failed to acknowledge that this same section defines clearly these escrow items as a. taxes and assessments, b. leasehold payments or ground rents, c. premiums for insurance, and d. mortgage insurance. None of these defined " escrow items '' include any closure fees for the escrow account. 2. Section 14 " Loan Charges '' states as indicated by PNC that regarding other fees they are allow to charge for them. However, PNC failed to identified that this deed section is related to borrower fees in connection to borrower 's default ( attorney 's fees, property inspection, valuation fees ). Additionally and possibly most importantly, this section is dedicated to " LOAN '' charges. My request is fully dedicated to " ESCROW Account '' closure which is my own savings account dedicated to pay for home insurance and property taxes, not related to the actual note in which I have not defaulted in any way. The security does not define in any section that was agreed upon execution of this document that borrower must pay any fees to close the escrow account. This might be a PNC policy to their customers but it is not part of our agreement. Actually, when we signed the loan documents for our property ( including the property deed ), the initial note was executed with XXXX Mortgage and not with PNC. PNC acquired the note after the document execution and accepted the terms of this note as their own. PNC has not provided satisfactory information/documentation that allows them to charge us an escrow account closure fee of 0.25 %. | ||||||
| 09/18/2022 | Yes |
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| My Daughter had a Checking account with PNC Bank ( I am also listed on her account ). On Monday XX/XX/XXXX, She was hacked into her account, and I was with her when she looked at her account on the app, on her phone. We were in XXXX XXXX Ohio at that time, as we spent XXXX XX/XX/XXXX preparing her XXXX room for her first year of XXXX, that started officially on Thursday XX/XX/XXXX. Her bank account was drained of all the money over the next couple of days, except XXXX cents, despite the fact that she called the bank that evening and told them she was hacked and to put a hold on the card, where at that time they gave her what they call " provisional credit '' ... .She did not use this money, but it was taken by the hackers, unfortunately. Over the next 6 weeks, leading up to now, it has been a roller coaster, trying to get my daughters account replaced. I have spoke to managers in XXXX OH office, where I live, and with managers in the PNC bank in XXXX XXXX, where XXXX now lives, and works.XXXX also has gone in to the Bank in XXXX and met with the managers, also. I have a printout of all the debits that were done from XX/XX/XXXX, and going forward. They were done in Michigan. All the while these transactions were being done in Michigan, my daughter was in OHIO, preparing, and working as a XXXXr. Yet, PNC reversed all the provisional credits they issued to her, as they said they were done with a Debit card, and she stated her card was on her ( not lost or stolen, nor did she provide its information to anyone ) ... So, the debit essentially had to be done by her, in person. I asked them HOW could she be in 2 states at the same time??? Someone hacked her card, somehow. There was also an XXXX XXXX transaction that at first I was told we probably would not recover, as it was a third party... but after they investigated that, they somehow can tell it was hacked ( Im not able to explain how they know this ) So, we got XXXX of the XXXX XXXX back... the other XXXX they took back, to recover more " provisional credit '' ... which made no sense to me ... that XXXX dollars was hers, and got stolen from her... she should get it all back. I finally spoke with a manager who told me she believed what I was presenting about the different states, etc... and she also told me, AND printed it out for me, that my daughters card was attempted to be used 3 more times between XXXX XXXX XX/XX/XXXX. By this time, ( Actually XX/XX/XXXX ) my daughter had a new card, and a new account, so WHY would she have attempted to use her old card again ... when we knew it had XXXX money in it, and she had her new car and new account? The 3 attempt were declined. Yet, PNC still has not put the money lost back in my daughters account. I spoke with the Manager of the Escalation team on XX/XX/XXXX, but I didnt feel I was going to get a different result. My next step is to go to the News Media. My daughter didnt have a lot of money, but it was her entire account ( about XXXX ) and she trusted the Bank to treat her with fairness. That has not been the case. I thought she had Regulation E protection. Can you help us at all with this? Please let me know. Respectfully, XXXX XXXX ( XXXX ) | ||||||
| 10/31/2020 | Yes |
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| Thursday evening, XX/XX/2020, I went to make a purchase and found that was my card was being declined. I was certain that there was hundreds of dollars in my account, so I attempted to log in to the mobile banking website and received an error message saying that my online privileges were revoked and I should call customer service for assistance. I called the next morning, XX/XX/2020, and was told by an representative that my account has been put on hold be cause of a deposit that is being reviewed, they asked me if I had any information about the deposit, and I let them know that I was calling in to find out this information. The representative said that they dont have any other information to share with me, however I should expect a call-back in 2-3 days with more details. I waited until Monday, XX/XX/2020, but I did not receive any communication from PNC, so I called back. They told me the same thing, that my funds are being held because of a deposit that is currently under review, but I should be receiving a call-back with 1-2 days. I waited until, Wednesday, XX/XX/2020, but I still had not received any communication from them, so I called back. This time I expressed my compounded frustration with my account being frozen without notification or explanation, and their incompetence regarding communicating with me about this situation. Nonetheless, they continued to tell me that the only information they could provide is that my funds are being held because of a deposit that is being reviewed by local law enforcement, however I should receive a call within 2-3 days with more information. I waited until Friday, and still did not receive any more information, so I called in again. to complain about how I have to maintain communication with them as if I am the one that is obligated to provide customer service in this situation. Additionally, I complained that we are in the middle of a global pandemic, and my funds have been frozen without any information or details given to me, this is extremely dangerous, and inconvenient and I let them know I must be compensated for this egregious offense. The escalated my issue to a Customer Service manager, but they continued to tell me that there was no other information that could be shared, other than the deposit is under review by local law enforcement. I had this representative look through my recent account transactions from XX/XX/XXXX - XXXX, 2020 and there was nothing unordinary listed. The funds that PNC has frozen were deposits from my savings account, and unemployment benefits. I told this representative to make note of this, and that this bank has made a overwhelming mistake by freezing my account erroneously and they will have to compensate me for my losses and inconveniences because I am not able to pay rent and bills because of this discrepancy. I waited another week and have not heard anything about my funds of approximately {$1200.00}, that are still being frozen. I called in yesterday, XX/XX/2020 however the conversation met the same conclusion. I am done trying to beg them to release my funds that should not have been frozen in the first place, so I am filing this complaint. | ||||||
| 11/16/2018 | Yes |
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| I opened a " Virtually Wallet Spend '' account at PNC Bank on XX/XX/XXXX. This account was to be fee free if certain depository conditions were met. I satisfied those conditions and incurred no fees until XX/XX/XXXX. At that time and each month subsequent through XX/XX/XXXX a {$7.00} fee was charged to my account because I did not meet a minimum balance requirement of {$500.00}. The total amount charged to my account has been {$100.00}. I contacted the bank to complain and demand a refund of these fees as I did not receive notification of the change. They explained that the fee structure change was included in my XX/XX/XXXX monthly statement. In their opinion, that was notification. I am of a different opinion. I have paperless statements. I do not receive statements by mail and I do not receive statements by email. Instead I receive email notifications that my statement is available on their website.The following is the message portion of the email received XX/XX/XXXX : The Online Statement for the account listed below is now available for viewing. To view your Online Statement, you must sign on to PNC Online Banking and click on Online Statements. This statement will continue to be available for up to 7 years through Online Banking. If your e-mail address has changed or will change, please update our records by selecting the Customer Service tab in Online Banking and clicking Online Statements E-mail. If you have not done so already, please add the sender of this e-mail to your e-mail address book to ensure ongoing reliable delivery. Thank you. There is absolutely no reference to a change in fee structure in this message. The question may be asked why I don't look at my statements? In the time between opening the account to the first fee being taken, I had initiated 9 transactions. The last three were inter-account transfers in response to notifications of inactivity from PNC. Certainly they then were aware that this was not an active account. Certainly they had the ability to communicate directly with me when the circumstance suited them. Clearly they would prefer to fee me than notify me of the change. It should also be noted that I maintain an interest bearing account that had more than {$500.00} in it. I received XXXX cents of interest in XXXX on it. In XXXX I have received another XXXX cents to date. I will note that aside from inter-account transfers, I have had one transaction in this account since opening it on XX/XX/XXXX. It is unreasonable and unethical that account term changes be communicated in any fashion other than DIRECTLY with the account holder. This should be done by first class mail in my opinion, but at a minimum, in an email that succinctly summarizes the changes occurring and a revised account agreement. Burying it in an electronic statement that needs to be retrieved from a bank 's website is an invitation to abuse of numerous deposit holders who have no reason to expect any changes or transactions such as myself, or others who do not have the wherewithal or access to obtain their statements even if they elected, frequently with inducement, to receive their statements electronically. | ||||||
| 09/20/2018 | Yes |
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| PNC Bank fails to give all correct information to customers. I have had numerous phone calls regarding overdraft fees where in each call they have all said different rules and regulations for their policies. The only policy that is consistent is they give one courtesy refund per year. What they don't tell you is that even if they are refunding a fee due to their mistake, it still counts as the 1 courtesy refund. To me, a courtesy refund is when a customer makes a mistake and the bank refunds the fee even if it was a correct charge. I have been charged 12 withdraw fees within a month. That totals to {$430.00} I am currently unable to work due to my XXXX. My husband has taken on all of our expenses. I realized two checks and a car payment were coming out that we did not have the funds for until next week, so I called PNC Customer Service. I explained the situation and the associate told me to OPT IN to Overdraft Coverage. So I did and thought what a great solution! WRONG! The next day my account was negative {$930.00} and not only that, but my bills were not paid. They charged me three {$36.00} fees for my car payment and every other charge they could manage to get on my account. So I called PNC Customer Service. After explaining the situation and what the associate had told me the day before, the associate I was currently talking to advised I do not use overdraft coverage because they charge {$36.00} for every single transaction and they do not guarantee expense coverage. Plus they charge a return fee and a reprocessing fee, both {$36.00} as well. I was in shock. Why would you offer a customer a solution without explaining all policy guidelines? Why would another employee advise against a solution the bank they work for is offering? Early in the year I had a {$100.00} refund that they called my courtesy refund, since PNC only gives back one a year, so they refused to give back any fees. They told me I could speak to a money manager to see if they could help me. When she transferred my call we went through the same thing, but then she also tried to tell me how to budget my expenses and how to plan better. I apologize, but sometimes life throws some unexpected turns and you can not plan for all of it. How dare you also assume that this problem is because of careless/unplanned spending. So I went to their bank location in XXXX XXXX, IL and spoke to a branch manager, he was unable to help me, but told me who could. So I went to the location in XXXX, IL and spoke to their branch manager, who was also unable to help me. He explained the fee process again and apologized for them sending me to him, but he could not help me. He said he wished there was something he could do, but unfortunately the people who take advantage of the system ruin it for everyone else. So I literally wasted my time and more money driving to these locations for everyone to say they can not help me. I refuse to believe there is nothing they can do. It is also ridiculous they are judging my situation based off other customers actions. I have been a loyal customer with my husband since 2015 and this is the first time we have ever had a problem like this. | ||||||
| 11/23/2021 | Yes |
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| I had BBVA accounts that converted to PNC accounts on XX/XX/2021. As per PNCs terms and conditions I called PNC attempting to to opt-out of all arbitration agreements for both of my accounts as is my right to do so so within XXXX days of opening the account. Since I opened account with BBVA long before PNCs purchase of the bank was finalised the opening date reasonably would be the transfer date of XX/XX/2021. Since that would make the deadline for this XX/XX/2021 and since I am overseas I began calling PNC in earnest to opt-out starting from XX/XX/2021. The opt-out notice clearly states it is permissible to do this via phone and via mail. But PNC has listed the incorrect phone number for this on all of their disclosure notices online and in print, and on their website and on the app. I called XXXX times and no one seems to be very clear on the proper process for doing this. Perhaps this is how they intended it to but I will give them the benefit of the doubt or so I thought. On XX/XX/2021 I called yet again and was on hold once again trying to opt-out. PNC has listed the incorrect number to opt-out on in every single notice. And they are confusing and even worse their customer service operators have no idea what to do when queried about this. When one calls the only number listed on the notices to opt-out which is XXXX XXXX is given another number XXXX to call that is a number for credit cards, at which point they then tell you to call a third number to opt-out XXXX, after which someone transfers the call to a fourth number, who then tells you after a XXXX minute wait that one can only opt-out by mail, clearly contravening the terms of the disclosure notice that very clearly state that one can opt-out by telephone. They also say that it has to be done XXXX days from when I opened the BBVA account, which would be difficult to do since when I opened the account BBVA was not yet a part of PNC! Any reasonable legal counsel would know this is wrong, and really the XXXX days should start from the date I transferred the account to PNC, the equivalent of the date I opened my account with PNC. This makes me fully within the XXXX day time limit. This banks blatant obfuscation would be malicious if PNC were competent but PNC is anything but competent as this runaround shows. But I am now wondering if PNC is just perhaps acting in bad faith. After spending XXXX hrs being shuffled around PNC, the bank seemingly does not know what to do at all This has now caused me to be delayed in doing this for XXXX days. I asked for a fax number I was refused. I was finally hung up on. PNC can not disclose legal opt-out notices, change terms on the fly when it suits them, send incorrect notices with the wrong number everywhere and then try to change the terms after publicising incorrect information multiple times during a single phone call. I am filing this complaint with regulators as I believe this is a serious breach of their terms and conditions and legal duty to disclose information properly. All calls were recorded I would urge regulators to monitor those calls to see just what a baffling experience this was with an ever so incompetent bank. | ||||||
| 04/09/2016 | Yes |
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| PNC Bank wrongfully withdrew {$360.00} from my new bank account to offset fees that should never have been levied against an old account that I closed, and for debiting {$72.00} from my new account to cover the overdraft this created.. On XXXX XXXX, 2016, I lost my ATM card. Someone tried to use my lost ATM card to withdraw funds and check the balance on my account. PNC Bank noticed the activity and immediately suspended my account. The next morning, XXXX XXXX, PNC Bank called and notified me of this and told me she had deactivated my ATM card, and that I should go to the nearest branch bank and close my account. I went to the PNC Bank branch at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX to close the account. XXXX XXXX, Customer Service Associate, closed the account and told me the ATM card was deactivated. He also opened a new checking account for me. At that point, PNC had charged me {$60.00} in transaction fees for the attempted activity with my stolen ATM card. XXXX XXXX told me that the fees would be returned to me, and that the old account was closed. The following Saturday, I was told at another branch that my old ATM card had not been deactivated. It was deactivated at that time. On XXXX XXXX, the old account was showing an arrearage of {$120.00} because PNC Bank assessed another {$72.00} in overdraft fees. A PNC client services representative on the phone told me the account was being kept open for 30 days in case any other checks or debits would come through, and that I had to cancel all ACH authorizations myself ( which I had done ). She also told me to return to the my branch bank to have the fees reversed. I went to the bank and XXXX XXXX told me all the fees would be refunded, the account would be " XXXX '' again. He told me I would also be getting a refund for the initial {$60.00} in fees stemming from the fraud on my account, and told me there should be no activity on the account going forward. I noticed a week later that the arrearage in my old account had grown to more than {$200.00}, as the bank continued to accept unauthorized ACH debits, and charged me a {$36.00} fees after reversing the debits. I returned to the branch and was again told by XXXX XXXX that the fees would be reversed. On XXXX XXXX, I received a letter from PNC informing me that they had issued a credit memo against my new account for {$360.00} to pay for the NSF fees charged to my old account. This created XXXX overdrafts in my new account and I was charged {$72.00} in fees. XXXX XXXX told me the money had been taken by " the back office, '' and I would have to go through the escalation department. Last week, XXXX XXXX, Escalation Manager, told me by phone the new investigation process would take five business days. I wen to the bank and XXXX XXXX, Branch Manager, told me the {$360.00} would be returned to me, but I had to let the " process '' take its course. I went to the branch on XXXX XXXX, ( after seven business days ) and XXXX XXXX, told me that the bank had decided not to return my money. He told me to contact XXXX XXXX, Regional Manager, to have the decision overridden. I called XXXX XXXX two times and he never returned my calls. | ||||||
| 12/05/2023 | Yes |
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Web | Servicemember |
| My husband and I visited the PNC branch in XXXX XXXX, XXXX to get a cashiers check in the amount of {$31000.00} made out to XXXX XXXX in XXXX XXXX. When I told the teller, XXXX, the amount, her demeanor began to shift toward me. The teller informed us that she was only authorized to give a certain amount of money and would need to call an office to get authorization. XXXX printed the cashiers check but never gave it to us. She began typing and stepped away to take a phone call. After her phone call, she began to ask I what my husband and I needed the money for. I responded that we had a rental car business and were selling our cars to the dealership. To do that, we needed to pay the dealership for the negative equity. The teller then told us that she used to work at a car dealership and never heard of that scenario before. The teller then searched my husbands and I joint account and stated that she saw that the money came from the Dept. of Treasury. When the I asked the teller for our cashiers check, she told us she could not give us the check, ripped it up in front of us, and told us she did not want to risk losing her job. I asked to speak with a manager and waited approximately 25 minutes to do so. When the manager came out, she refused to give me her last name or introduce herself. I asked the manager, XXXX, for her business card. The manager again refused. I had the PNC bank staff from XXXX on the phone to speak with XXXX and she refused to speak with them. She further refused to speak to I until she hung up the phone. The manager told I that she could authorize the cashiers check but wont do it because she did not want to deal with the IRS and followed by saying the check was deposited on XX/XX/XXXX and did not have two signatures, so PNC would have to return the money. She further said she could not do it because the bank was now closed. My husband and I left the location without our cashiers check. The reasoning given by the manager, XXXX, had a mere pretext that two signatures were needed on the check that was deposited around XX/XX/XXXX ( this had nothing to do with our withdrawal ). At the time of our visit it was on or around XX/XX/XXXX. If two signatures were required, the cashier would have stated that, since its a joint account one signature sufficed. We went to PNC bank in XXXX the following day and spoke with the representative who was on the phone the previous day. When I arrived at the PNC bank in XXXX with my husband, we were helped immediately and received our cashiers check without an issue. The manager at the PNC asked us to explain what happened at the PNC XXXX XXXX the previous day and she was appalled. I have been using the PNC XXXX location for her banking needs since approximately XXXX and never had any issues until XX/XX/XXXX. We were in the bank for 1 hour and there were less than six people that entered during that time. Business was slow. Therefore, we couldnt understand why a transaction that were told would take a few minutes, ended up taking an hour. Statement of Discrimination : I was discriminated against on the basis of my race in violation of Title VII of the Civil Rights Act of 1964. | ||||||
| 04/13/2022 | Yes |
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| On XX/XX/XXXX I had been contacted via XXXX by my friends stating they had an investment opportunity. I reached out to the broker and started a convo XXXX XXXX and he explained to me what I could invest and get out. I contacted my friends via DM and I was told that the broker was 100 % safe and secured. After I was assured the process was legitimate I sent the broker XXXX $ in bitcoin. My turnover for my investment was supposed to be XXXX XXXX The broker informed me I will need to send XXXX $ to recieve my investment due to a large withdraw fee but I would be refunded. I then contacted my friend to see if what he was saying was true they confirmed it was safe secure and takes about an hour. I sent the money via XXXX to the broker {$1800.00}. The broker told me my investment will not be ready for withdraw if the charges were pending so he told me to inform my bank they will help so I did. I couldnt help the pending charges so the broker said that we can continue in the morning. I texted my friend and they said everything would be ok just dont worry and I will be taken care of. XX/XX/XXXX I had only sent the broker XXXX $ I needed to send XXXX $ for the fee I sent the remaining money and waited for my investment. The broker wanted me to pay another fee. Around this time I catch on to the fact that this is a scam and that my friends were hacked by more scammers and behind this act. I rushed and called my bank to tell them what happend and dispute the charges. The bank representative for PNC Bank was extremely unhelpful and could not help me speak to the right people to understand my situation, I tried to explain what happend in a calm tone even tho I was just stolen from he was just silent and did not say a word I asked him if he was even listening to me and he took a long pause and just asked me a standardized question. So I had to hang up to speak to another person and file my dispute. I waited two days for a follow up and then I got none. I called to check the status of my investigation and the rep explained the time period the process takes and that they would contact me by letter. I waited about another week and they didnt contact me. I went to the XXXX XXXX police station and filed a police report for the scam and had the report sent to my bank. I then went to a local PNC branch to try to get some face to face help since the virtual help was practically helpless. The branch offical was extremely nice and she went on to explain to me that the process is lengthly she told me the status of my investigation based off of the notes that were left on my case. I felt a little better but still I was stolen from and Ive been a PNC costumer for a long time I shouldnt have to jump through hoops like that. I waited about another week to have a letter sent to my old address confirming my address change nothing about my dispute. I waited a few days and called XX/XX/XXXX to check the status of my dispute the representative called me and told me they have denied my dispute and have no way to help me since I Sent money via XXXX and Im not protected for authorized transactions regardless me being hoaxed into sending the money by scammers. | ||||||
| 12/29/2019 | Yes |
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| Re : PNC Mortgage Credit Dispute : Inaccurate {$40.00} delinquency reported from PNC Mortgage : Account Paid in Full, never closed, charges accrued, credits received, but delinquency reported and never closed or resolved properly from PNC. 2nd mortgage ( HELOC ) PNC Contacts : XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX XXXX PNC XXXX Branch Manager ( XXXX , Ohio ) XX/XX/XXXX XXXX XXXX 1 ( Escalations ) XX/XX/XXXX XXXX Regional Mortgage Loan Dept - At least 3 other contacts/escalations/complains between XXXX XX/XX/XXXX. Mistakes can be references based on the credits received on my account after the conversations were complete. See attached bank statements. To Whom It May Concern : Im asking for PNC to consider removing the delinquency reported on XX/XX/XXXX as I believe a mistake was made with my Equity Line of Credit account and was not managed, reported, advised and/or resolved correctly through the many channels, including the escalations department & branch management, after multiple attempts at PNC. The account was paid in full, in XX/XX/XXXX, based on the account statement daily balance. I understood this payment to XXXX out my balance to {$0.00}. I was very proud of this moment as Ive paid this loan like clockwork for many years, as I do my many other PNC accounts, including my Business Accounts. Nonetheless, after each month of accruing balances, which turned into late fees, which then had more fees, I would call PNC to dispute these charges and each time, the representative, whether regional or from escalations/complaint department, sympathized in my situation and the nominal fees and charges were credited. Each time the representative understood my concerns and would fix, what I thought was the problem, my crediting or removing the fees, reducing my balance back to XXXX ( {$0.00} ) As these fees continued and as I thought each time, I was at a XXXX ( {$0.00} ) balance, I was not understanding that the fee continued and the account was still active, given the payments were all made and/or credited after inquiring with PNC. After multiple months of this, finally one individual within escalations was able to " officially '' close out my account and remove all payments and fees. In the meantime, a delinquency was reported for {$40.00}. Please see all supplemental exhibits showing my account statements with notes to help navigate the timeline and process. Please note, my family and I are lifelong customers of PNC ( formally with NCB ). My son, whom is now XXXX, opened an S is for Savings account this year. I also used PNC for my auto loan in XXXX. I have multiple other accounts, credit cards, business accounts and mortgages with PNC. I hope youll consider this loyalty and any other miscommunications with the subject account and realize having a delinquency, even at this nominal amount, has a major negative impact on my personal and business goals and does not reflect my dealings with PNC payments over the years, of which I keep a credit score around the 800s. Thank you for attention, consideration and immediate resolution with this matter. | ||||||
| 09/12/2023 | Yes |
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Web | Servicemember |
| XXXX XX/XX/2023, I deposited a check into my account for {$1100.00}. I have been told this check will be on hold for 3 years and no funds will be available. both me and my husband have made at least 5 calls to PNC to find out why and how this is possible, my husband XXXX XXXX has assisted me on several of the calls. We get the same results from the representatives about this matter. They will call me back. They dont, this is disingenuous and not in good faith from PNC . Im curious how can you get away with holding this for three years? All we get from the PNC representatives is that's it on hold. never a reason. but they will have to get with the investigator to find out why? in fairness we did receive two calls, one from XXXX and the other from XXXX. Today, XX/XX/XXXX, my husband called the following number and spoke with XXXX, his phone number is XXXX. XXXX said he's trying to get in touch with the investigator and find out why this check has been placed on hold for three years. OK this is past acceptable for me and my family to give PNC my money for 3 years. . During these conversations all of which should all be recorded at held by PNC Bank for further evidence. I get the tone as well as an underlying issue that due to my origin, being XXXX and me relocating to the state, PNC is issuing some discriminatory practice on me, i get the feeling that i am being red flags for all my deposits because I XXXX. It is completely unfair and unfathomable that PNC continues this practice of holding my check for {$1100.00}, Why? the account the check was written on has already been debited, certainly your organization would have and can call XXXX and XXXX XXXX to verify at any given time. Why are you keeping my funds for 25 days? And give me no reasoning nor justification on why you wont disburse the funds into my account. This has caused a huge inconvenience for my livelihood as well as all the stress and strain of this ordeal has been very disturbing. Moving forward I will not bank with PNC ever again ; discrimination and communicative issues are so stressful ; your organization is so XXXX and hard for folks that want their hard-earned money in their account but instead it is place on a 3-year hold. Make no mistake, I'm closing this account and believe I should not be charged any service fee since PNC has refused my deposit. I want to close my account and stay as far away from you as possible. its painfully obvious that being XXXX you have discriminatory behavior to our country. Why does PNC keep my money and refuses to deposit my money into my account? only PNC can answer that, Im disappointed in your bank, i just want what is mine and I want it immediately I'm tired of waiting for my money. Feel free to contact me via e-mail or phone and inform on when i can expect my deposit. Lastly as you are aware from the calls my XXXX is not the greatest, so I want to give you permission to speak to my husband, ( XXXX XXXX a US Citizen ) for explanations and details on my behalf. XXXX can be reached on the following phone number XXXX XXXX XXXX. Your help and assistance in getting back my money from PNC is very important to me. | ||||||
| 07/08/2019 | Yes |
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| On XX/XX/XXXX, we closed on a mortgage for a townhome. The mortgage was provided by PNC Mortgage Company. During the mortgage shopping process, we had been offered the option of having our property taxes escrowed for convenience. No financial benefit was associated with this decision. We chose to have PNC escrow our taxes. Our XXXX tax payment to our locality was submitted late by PNC, resulting in penalties ( loss of discount ) on the tax payment. PNC reimbursed us for the penalties. However, the experience made us uneasy with the convenience of having PNC handle our property tax payments. We are fortunate to have sufficient financial strength that we can confidently handle the tax payments on our own, and do not require escrow services. Subsequent to our experience, we requested on XX/XX/XXXX, to eliminate the escrow ( an escrow waiver ) and take over our tax payments. PNC reviewed our case and approved the waiver, as we do not pose a financial risk to the mortgage. A copy of PNCs response is attached. We were extremely surprised to find that the fee to waive our escrow was going to be {$1500.00}. This amount is neither cost-based ( actually, PNCs costs go down if they do not need to administer an escrow ) nor risk-based, as our financial ability was not a consideration in creating the escrow ( and was optional ). The fee amount was not present on our first mortgage statement ( attached ). We have had multiple exchanges with PNC regarding the charge. I would summarize their response as : 1. Our initial escrow account disclosure statement, signed on XX/XX/XXXX at close, states that you may be required to pay a fee when closing all or a portion of your escrow amount. 2. Later mortgage statements ( after the first ) showed the escrow waiver fee of 0.25 %. There was no notice of the addition of this fee ( in small font ). Both the first statement and a later statement are provided for comparison. 3. This has always been their policy and they have no ability to modify it based on individual circumstances. We have two core complaints which we STILL have not been able to get PNC to address, and seek your assistance : 1. The level of this fee is arbitrary, non-cost based, and non-risk based. While we acknowledge that for some mortgagees, the waiver of an escrow increases the risk to the mortgage holder, that is not the situation in this case. We have had a 20 year financial relationship with PNC and have substantial financial reserves at this institution. While the fee they are charging is now at {$1500.00} why not {$5000.00}, or {$20000.00}? There does not appear to be any constraint on PNC to apply reasonable fees post-close. 2. The existence of, and level of, the fee was inadequately disclosed. The purpose of the Escrow Disclosure Statement is to, obviously, disclose key facts about the escrow. However, this statement neither confirms that a fee is always charged to waive an escrow, nor does it mention the actual amount. In addition, our first mortgage statement ( which, of course, is the one most carefully scrutinized ) also omitted the fee. We would appreciate an actual response to these two points. | ||||||
| 04/11/2022 | Yes |
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| XXXX XXXX I posted something for sale on XXXX XXXX for {$300.00}. XXXX XXXX I was contacted by an individual to buy this item and said she would send me {$300.00}. She said she was getting it for her daughter and wanted to know about the conditions. XXXX XXXX the buyer asked if I had XXXX through my bank and I said yes and gave her my email and phone number associated with my account. XXXX XXXX she stated she sent the money so I checked my account and I did not receive the money. She stated that she received an email from XXXX that I had to increase my intake limit and that I shouldve gotten an email as well. I went to my email and I did have an email from XXXX stating that I had to increase my limit. In order to do this the buyer had to send me {$500.00} and I would have to send it back. So I did this. And then received another email from XXXX stating that the buyer accidentally sent the amount of {$500.00} twice so I had to send another {$500.00}. I then did this. I received another email from XXXX stating that there was an internal server issue on my end and the money should be available in my account the next day. XXXX XXXX I had not received my money. I called my bank and they stated that there is no limit on how much I can receive through XXXX. At that moment I knew I was scammed. I filed a dispute with my bank, PNC. XX/XX/XXXX @ XXXX : filed dispute with my bank, PNC XXXX XX/XX/XXXX @ XXXX : called PNC to check on the dispute XX/XX/XXXX @ XXXX : called PNC again XXXX XX/XX/XXXX @ XXXX : called PNC again to find out that my dispute was denied and closed. They stated that I authorized this transaction. I opened the dispute again as I was scammed and did not authorize the charges. XX/XX/XXXX @ XXXX : called PNC again with no solutions. XX/XX/XXXX @ XXXX : called PNC again with no solutions. XX/XX/XXXX @ XXXX : called PNC again to find out thatd my dispute was denied again. I asked to speak to a manager and was told I would be contacted within 24-48 hours. XX/XX/XXXX @ XXXX : after 72 hours I was contacted by a case manager, not an actual manager. I explained that I looked up my rights and I should be protected under regular EXXXX She was very incompetent, unhelpful, and not empathetic towards my situation. She did not even know what XXXX was. I asked to speak to a manager again. I still to this day, XX/XX/XXXX, have not heard from a manager. XX/XX/XXXX : I filed a police report for the scamming. XX/XX/XXXX @ XXXX : called the case manager back. During our previous phone call, she gave me her direct line. When I called that was in fact not her direct line. I was given the run around again and never got to speak to the case manager or manager. I opened the disputes again. XX/XX/XXXX : have not heard anything from PNC bank. Regulation E protects individuals and our basic rights for sending funds electronically. Given my situation, I have read that the CFPB thinks I should be protected under Regulation E. My bank, PNC, has not protected my rights and they have not done their jobs correctly. I need someone to advocate for me. I lost {$1000.00} and the way I am being treated isnt fair. | ||||||
| 03/20/2018 | Yes |
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| I have an auto loan with PNC Bank that is seriously hurting my credit score. Numerous late payment complaints have shown up on my credit score from them due to late payments and the payments I am making over the phone and online are not going through. Originally I started out trying to make online payments, but even though they looked like they were scheduled properly I quickly found out from the late notices two months in a row that it wasn't working. I should have complained then, but each time I called in and made the payment over the phone and was told, " Oh don't worry, if you pay right now with me it won't affect your credit score. '' Eventually I got into the habit of simply calling in and paying over the phone and that was working fine, but when I went to try and get a loan to buy my house I found that those late payments were indeed showing up on my credit report despite me paying them in full immediately upon discovering their computer error. Now, after having paid over the phone for months, I get a notice of default saying that I am overdue. I called them to find out what happened and how I could possibly be late today ( XX/XX/2018 ) and they told me that they did have a record of my call on XX/XX/XXXX and the payment I made, but that it was rejected due to insufficient funds. I looked through my bank statement for both XXXX and XXXX and at NO TIME during the month did my checking account even come close to being too low on funds for the {$540.00} payment ( lowest it dipped was just over {$2000.00} ). She told me I would need to fax in a copy of my bank statement to resolve things to prove it was a glitch on their end. Then, when I tried to make the payment today she said, " Oh I think I see what happened, looks like your account is missing a one there at the beginning in our file '' after I read her the account number off my check. But she couldn't explain how that number was missing when all my previous calls had payments go through without issue using that number in their system ( the previous phone calls PNC had used the checking account they had on file for me and I never had to read any account info to them, how did that number suddenly change? ). Nor could she explain how an incorrect account number would have accounted for an insufficient funds bounceback to them. I never got any notice from my bank for the charge being rejected, the statement doesn't show anything from PNC bank when I called. I have a confirmation that was e-mailed to me after the payment attempt was made and no other correspondence after that part from anyone until the notice of default I got this week. I'm sure that when I go check my credit report there will be ANOTHER late payment notice on there, and I want them all removed. I just want to pay them the money I owe and not have to think about it. My last auto loan I set up autopay online in 15 seconds and never once thought about making a car payment. With PNC it is total stress every month. It shouldn't be this hard to pay someone what I owe when I have the funds readily available at all times, and they won't accept any kind of advance payments or anything. | ||||||
| 10/05/2016 | Yes |
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Web | Older American |
| I am executor of my husband 's estate. He had a business at PNC Bank. I 'm in the middle of securing all tax information, submitting legal papers, and awaiting IRS response on taxes owed and taxes paid. I had no connection to the business, but I was able to secure all legal documents and piece together financial requirements via much research. I thought that I 'd closed his XXXX XXXX XXXX account at PNC Bank in the fall of XXXX. My husband passed XXXX XXXX, XXXX. I submitted all of the paperwork that PNC requested, executor proof, death certificates, account numbers, and every other document requested, several times. I had to request bank statements, which I was charged several hundred dollars to retrieve, since the account was CLOSED. In XXXX XXXX, I received notice from XXXX County, where the business was certified, that they were placing a lien on his business account because he owed local taxes. I was in the middle of submitting IRS papers. I called XXXX County and they said that they had never received a copy of my husband 's death certificate. They had. I sent it myself. Nevertheless, they told me that if I sent them another copy, they would release the lien. I drove the copies to their office that day! They told me that they would call PNC Bank and release the lien. They faxed PNC Bank, which I have a copy, and told them to release the lien. I called PNC Bank and they promised it would be taken care of once they received the fax. The fax says that they received it that day. One week later, they paid XXXX County the amount of the lien. I have copies of the check etc. The account was finally closed XXXX XXXX, XXXX. After many phone calls and PNC bank self investigating their own error, they tell me that they received the lien release prior to actually placing the lien so therefore, my case is closed. I have spent many long hours researching, driving documents, calling officials at PNC Bank and they still have not resolved my issue to my satisfaction. I 'm a teacher. I make a very average wage. I spent the better part of the last several months trying to have them resolve the issue. I sent a letter to the president of PNC bank. Within 24 hours, I received a phone call saying that they assigned an executive to investigate my case and that I should call him and make the connection. That was a month ago and he does n't return my calls. I have yet to speak to my " case executive. '' I have attached a copy of all of the case details, dates, etc. I 'm so frustrated. I 'm trying to follow the estate laws of VA, but PNC Bank has usurped the process. I would like to have the money refunded to my husband 's estate account and XXXX wait in line for their payment. By VA judicial rules, the tax process is federal, state, and local taxes paid in that order. At this point in time, local taxes have been paid before federal taxes. I feel that the banks self investigating of their mistakes has left me exhausted. The emotional anguish involved has been astronomical. I 'm angry that banks think they can squash the little guy and they have squashed a widow in a time where they should have been helping. Thank you, XXXX XXXX | ||||||
| 07/05/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 I went to look at my account and noticed that all of my money-almost {$4000.00} was gone from it! I noticed the card was also closed so I called customer service and once again couldnt understand anything they were telling me so I asked for a supervisor-then I was hung up on! So again I called back and demanded to speak with a supervisor. Before the lady continuously told me that there were none available, she told me that PNC bank has decided to close my account. NOT ONCE WAS I NOTIFIED OF THIS INFORMATION OR I WOULDVE withdrew EVERY DIME! I kept asking where my money was and not once person can tell me where my {$4000.00} has went! I cant seem to get a supervisor on the line let alone someone who can find out where my money went and Im beyond XXXX! On XX/XX/2023 I made the following complaint with the XXXX and have yet to hear anything in regard to it : Im making another complaint because apparently I didnt get my point across with the last one considering all I got was a phone call from some lady who legit left me a vm to call her back and when I did-all she says is yes i was calling to let you know weve received your complaint and once I gather up all my information and look over your account then well go from there I mean who calls someone to say theyre gon na call them back? Especially when its about a customer and their money. So when Im done here Im gon na go ahead and file one with the fdic as well. Moving on to the newest issues Im having with this messed up bank- Ive come to find out today when I received the 50 letters from PNC bank in the mail, that my XXXX account is gon na be negative {$5600.00} on XX/XX/XXXX, the other account is going to be negative {$1100.00} on XXXX XXXX far. Its hilarious because PNC sends these letters that say based on the information they have they determined no error occurred and if you dont agree with this decision to call and theyll explain Ive XXXX every single time theyve denied a claim, NOBODY CAN EVER EXPLAIN WHY THE CLAIM WAS DENIED! THE CLAIMS DEPT HAS NO NUMBER SO YOU CANT TALK TO ANYONE THERE, and pncs customer service reps are all foreign so good luck asking to speak with someone who can even understand a third of what your saying let alone has half a brain. XXXX there is absolutely no reason why any of those claims shouldve been denied. PNC bank never even contacted me to get further information about the charges I disputed, nor did they even leave notes on my account stating why the claims were denied! And if I want to really complain about how the employees are who work for this company-not once but twice I was denied to get any money out of my bank account! How is a bank allowed to deny you a withdrawl-let alone tell you you cant close your account? And since when do banks not carry enough cash for withdrawls? I was told by another XXXX PNC banks that they didnt carry enough cash for me to be able to even make a withdrawal and definitely not enough to make it so I could close my accounts altogether. Id greatly appreciate it if someone other then the lady who called just to let me know she was gon na call me back-would contact me asap | ||||||
| 08/21/2016 | Yes |
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Web | Older American |
| Financial Institution : PNC Mortgage, a Division of PNC Bank, NA My spouse and I refinanced our residence on XXXX/XXXX/XXXX with a mortgage from XXXX XXXX XXXX ( XXXX XXXX XXXX ). The loan note ( Attachment XXXX ) specified that payments would be made every 14 days. The loan note also specified that the manner of payment would be automatic deduction from an account maintained with XXXX XXXX XXXX ( in this case our checking account ). The note was for 15 years, maturing on XXXX/XXXX/XXXX, but making biweekly payments would cause the loan to be paid off on XXXX/XXXX/XXXX. In XXXX XXXX XXXX XXXX was acquired by PNC Bank. Several months ago we realized the payoff date was approaching, but when we checked our mortgage statement, it became obvious that the outstanding principal would not be paid off by XXXX/XXXX/XXXX. We first contacted our local PNC Bank, then later corresponded directly with PNC Mortgage ( PNCM ) customer service. PNCM is a division of PNC Bank. Neither had an explanation for the discrepancy, but PNCM did provide an amortization ( part of Attachment XXXX ) that ran from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. The final payment would be on XXXX/XXXX/XXXX. The payoff date computed by PNCM is after the expiration of the 15-year loan period. From the time of the acquisition until XXXX/XXXX/XXXX XXXX XXXX , XXXX serviced the loan for PNC Bank. PNCM handled the loan after that. In its letter of XXXX/XXXX/XXXX ( Attachment XXXX ) PNCM stated they did not have loan history prior to XXXX ; they asked us to forward any information we might have. We searched back through old XXXX XXXX XXXX checking account statements and found that after the first payment was properly taken on XXXX/XXXX/XXXX, subsequent automatic deductions were taken at a variety of different intervals. The vast majority of payments were taken at intervals greater than 14 days, the longest being 29 days. This explained why the outstanding balance was so high : principal was being paid off much slower and interest was accruing faster than would be the case if XXXX XXXX XXXX had made payment deductions as required by the loan note. We forwarded this information to PNC ( Attachment XXXX ). XXXX XXXX XXXX monthly checking account statements covered from the middle of one month to the middle of the next. We noted the mortgage payments as statements were received, but it did not occur to us to calculate the number of days since the previous payment. A reasonable person would assume a financial institution that makes loans could and would compute automatic payments properly. On XXXX/XXXX/XXXX PNCM replied that they were not able to help in this matter ( Attachment XXXX ). They suggested we contact XXXX XXXX XXXX for assistance. As mentioned above, PNC Bank had acquired XXXX XXXX XXXX in XXXX. There is no XXXX to contact. PNCM seems to feel that it has no responsibility for the legacy bank 's failure to carry out its requirements under the loan agreement. Attachments : 1 : XXXX/XXXX/XXXX Loan Note 2 : XXXX/XXXX/XXXX Letter from PNCM ( includes amortization ) 3 : XXXX/XXXX/XXXX Letter to PNCM 4 : XXXX/XXXX/XXXX Letter from PNCM | ||||||
| 08/26/2020 | Yes |
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| I've been having issues with my PNC Virtual Wallet. Its to the point now where it is ruining my life, literally! PNC closed my account for a reason i cant seem to be told over the phone or by my verified email address. I have money I have been waiting on that took 7 to 10 business days to return, but not i find out on the 10th day my account was closed yesterday. I just returned a car rental as well that has a return deposit going back to that account in a day or two. Im not understanding why i could not get a call that they were going to close my account. Why couldn't i pick my money up? Why couldn't they waited to receive the money on the way? I have a XXXX XXXX XXXX that is depending solely on me to provide and care for her at the best of my ability. I trusted this bank and had all of my money there, the little that i did have. This was all taken from me out of nowhere. I dont have money at home, and no i dont have family or friends to help me. They took everything from me with no explanation at this time. I never received my pin number in the mail, but did get 2 summary bills. I couldn't XXXX money. Was told i had to a specific date to verify my identity which i went to the bank and done not once, but twice. With all thats going on, they are making it harder to survive during this pandemic. My unemployment goes to this account as well. All the money I've been waiting on will now be sent back and mailed out. It was killing me to wait this long as it was to receive, soon as it was time to hit my account PNC CLOSED IT. I haven't been receiving mail like i should so no telling when i will get all these separate check. Because of PNC, i have no idea how my XXXX XXXX XXXX and I will eat. I have no idea how we will get around now that i dont have a way to use XXXX. I was in an accident a month ago, and that money coming back today was suppose to be used to eat, get pull-ups, and pay pay for the part i need to fix my car. Im told from multiple customer service reps i need to go to the bank teller. I call the bank teller instead because i have no form of transportation now. I refuse to put my XXXX on public bus with me during covid. The teller tells me that there is noting they can do or see because my account was closed, meaning they was giving me the run around knowing neither parties could open my account to view it. Both parties we sending me to the other. Customer Service tells me to go to bank, Bank tells me to call Customer Service. At this point I want to take this to small claims court and have the reps i talk to summons there as well, because this is unacceptable. These situations should not be handled in this manner. What's wrong with courtesy calls, or a bank actually caring about their customers enough to try and fix the problem by contacting us BEFORE messing our lives up? I dont understand and its unethical. This is causing so much stress on me right now, i was depending on my money to be where it should be and its not. I dont know what else to do. Not only is PNC system is BROKE, I am too, untill i am forced to wait more days and weeks to get what i should be able to have access to. | ||||||
| 12/10/2020 | Yes |
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| I had {$16.00} in my bank XX/XX/2020, I made 2 charges of {$4.00} and {$11.00} which was pending on my account. Pnc bank charged me an overdraft fee of {$36.00} before the 2 payments posted to my account which my account was not negative and wouldnt have been if they wouldnt have charged me the fee for no reason, so them charging me the {$36.00} when I only had {$16.00} it made my account over drawn. Then they charged me 2 over draft fees the same day XX/XX/2020 for the 2 items that should have been covered and still positive. So the day of XX/XX/2020 they charged my account 4 over draft fees of {$36.00} each. First one was a mistake that caused me to go negative, then the next 2 for the 2 purchases I made before they made my account negative, then the 4th I have no clue why. I did have a bill that came out thru XXXX for {$200.00}, which I knew it would be an overdraft and an accidently purchase {$25.00}, I made which i accept those 2 fees. On XX/XX/2020 they charged me 3 and then on XX/XX/2020 they charged me another one. So in total the bank charged me 8 over draft fees for 2 items that I knew would cause those all because they charged me an over draft fee when my account was still positive. I spoke with the 1800 number for the bank XX/XX/2020 and they filed a complaint. then I went to the bank in XXXX Indiana to speak with an accountant and she bluntly told me after I showed her my bank print out and explained what happened, I do see what happened and I understand, but since I filed a complaint over the phone it was out of her hands at the branch. But she said what she is looking at they wont do anything or even cal me back about the matter and she was sorry for the trouble. She would not explain why they would not fix their mistakes or any kind of explanation. I was with her for probably 15 mins till she said have a nice day. I have not heard from the complaint department and when I call they say I have to wait to hear from them. I tried to have my HR dept put a stop on my paycheck I get this friday XX/XX/2020 till it got fixed and I switch banks but the paycheck has already been sent for processing. My account is now {$520.00} negative, I have to pay rent, daycare, and gas for work. They refuse to even reverse them till the matter is fixed. They refuse to do anything even tho they said they understand and see what happened because I had 2 reversed at the beginning of the year. I have had issues with over draft charges being placed on my account before and because I had no purchases come out that day they reversed them immediately before I even knew and with them charging them in the past at random and causing issues similar to this but not has severe. Instead of them reversing their mistake and it being on them they counted it against me on forgiveness overdraft fees that I'm allowed each year. I am switching banks as soon as this gets fixed and I have also filed a complaint with the Pnc head quarters along with the XXXX. I am at a loss on what to do cause no I have late fees for rent cause I can not pay and I am having to find assistance to get XXXX gifts for my XXXX young daughters. | ||||||
| 02/28/2017 | Yes |
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| Several years ago I became XXXX. Permanently. I live on my XXXX. I suffered with financial hardships as a result of this. I was paying a high interest rate on my mortgage and did fall behind on paying on time. I started the process of loan modification. I filed the papers exactly as required, I sent every single document labeled with the loan number, every bank statement, bill statement. I was rejected and did the whole thing over and over, I had no choice but to hire an attorney because rather than work with me the PNC mortgage company began foreclosure process on my home because they would no longer accept my payments. Keep in mind I NEVER wanted to lose my home and always wanted to pay my bills. I was forced to hire an attorney of which I could not afford and with that I gave him all my documents that I previously sent to PNC Mortgage along with updated statements and of course the Modification was approved. The attorney gave me my new coupon book and I thought all was fine. The attorney received the notice my modification was officially approved and the attorney then sent notification to the Mortgage company releasing himself from my case. Well, it has been at least a yr and half and I never received a single document from the mortgage company. The attorney that did work my case is no longer practicing in this area of law and in addition he is n't at the firm. I came home and had a note taped to my door stating I needed to contact PNC Mortgage as they are attempting to collect a debt. I called and they refused to speak with me. " BY LAW my attorney needed to call. '' This has happened several times. The lawyer calls and nothing happens. I informed them there has n't been an attorney for over a year. Needless to say I have been fighting this battle for over a year and they refuse to hear me. I did locate the attorney at one point and he called and forwarded the release. I sent a notice, at their suggestion stating I didnt have attorney representation. Every single document I send or the attorney sent, PNC claims they never received. Even though I have receipt saying I sent they still will not talk to me and say " they are not going to argue with me about this ''. I can not continue to take this harrasment, I have no idea what my mortgage payment is as they refuse to tell me. I have discovered that XXXX of my payments were sent back to me at some address other than mine, I believe an attorney firm. So I am sending approx. {$75.00}, a month more with my payment hoping it is covering what my actual payment is. This is an absolute horrible way to deal with someone especially someone with XXXX, I have begged, cried, and yelled for someone to help me and they say the same thing over and over. " They need to hear from my legal counsel '' " They are not going to argue with me '' " MY Choice is talk to the attorney even if there is n't one. " I do n't know what status my mortgage is in right now. I have no idea what the " debt to collect is '' or if I am losing my home. What I do know is as soon as my XXXX comes PNC gets my mortgage payment every single month. From that point no one will help me. | ||||||
| 04/03/2016 | Yes |
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| This additional Complaint is in addition to complaints # XXXX, Complaint # XXXX & Complaint # XXXX. HUD-RESPA & PNC/XXXX XXXX have know the facts since XXXX. XXXX has replied to and to me they are unable to investigate the loan until the CFPB provides documentation that XXXX XXXX who is now owned by XXXX did purchase PNC. I have provided documents that the CFPB can provide to XXXX to investigate these complaints and answer the XXXX Qualified Written Requests and make the necessary financial adjustments. XXXX loan applications were completed by PNC for this loan. The first loan application ( attached ) proposes {$350.00} for a monthly tax amount ( XXXX {$350.00} = {$4200.00} ). The " : ApprovalFirst Process Certificates ( XXXX ) ( attached ) indicates the first loan application was completed XXXX XXXX, XXXX by PNC Mortgage A deposition by PNC ( attached ). also stated approximately {$4000.00} annual for taxes. This was an underestimate of approximately {$3000.00} each year of the 30 year note ( {$3000.00} x XXXX = {$90000.00} ) RESPA does not indicate a builders estimate as an acceptable method to provide anticipated taxes for a buyer for a home mortgage loan. The County Tax Office as stated in RESPA would be a reliable source of tax information to obtain a reasonable estimate amount for anticipated taxes. The misrepresentation of approximately {$330.00} from the second loan application ( attached ) was completed & together with the information provided by PNC/XXXX. XXXX ( attached ) we made the decision to build the home as it fit within our budget.The Construction Contract to build the home occurred XXXX XXXX XXXX. Three times before signing the contract, information was misrepresented to us.If we had know the correct amount we could have reduced the size of the house and other features which would have reduced our taxes for 30 years.Three appraisals were ordered by PNC which is used, also could have provided a comparison for anticipated taxes as is stated in RESPA. The errors by PNC and XXXX deflecting the actual causes of their errors and providing False Information to a Federal Regulatory Agency for their errors for THREE YEARS and to the borrowers led to extensive anxiety and stress with enormous legal bills. PNC never accepted the PNC as stated in RESPA. ( attached ) Our rebuttal to XXXX XXXX is attached as is their letter addressing our " concerns '' but never providing substantive answers to the questions asked of them for the XXXX QWR 's sent to PNC. Further to our statements in our rebuttal, paragraph XXXX, we were being required to pay {$19000.00} for the errors made by PNC into escrow. XXXX {$630.00} Escrow year + XXXX x {$980.00} = XXXX for shortage.Total of {$19000.00} We have shown in our previous complaints the computer generated mathematical errors in our loan. Do other loans serviced by PNC/XXXX XXXX have similar systematic problems? We were being required to pay into the escrow account apparently an excessive amount. We had, at payoff, requested and again request a forensic accounting by PNC/XXXX XXXX for this loan. The financial disbursement at payoff was not correct. | ||||||
| 02/26/2019 | Yes |
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| On XX/XX/2019, I wanted to purchase online an Airline Ticket Internationally on a XXXX XXXX. The transaction was declined, So, I called the Customer services of the PNC Bank to Authorize the transaction, after verifying my self and while I was on the phone with the bank 's agent she asked me to try process the payment again and it was also declined, then they transferred me to the supervisor to remove the fraud alert on the car, and I was on phone with him made the purchase it was finally successful and Airline issued me the PNR Reference and Ticket and I have received an E-mail from the bank with the transaction details. On the Morning of XX/XX/2019 at XXXX ; XXXX XXXX was my flight, I went to the Airport and found that my ticket was revoked and canceled without any Notice either from the bank or the Airline, and After Inquiry, they stated that the bank did instruct the Airline of revoking this transaction due to fraud alert. I called the PNN bank and filed a complaint under the number : XXXX the same day. Bank have replied that they had to take this action despite the fact that I took the required actions by verifying and cleaning the Transaction. Bank has refused to provide the proper remedy or a resolution to my complaint and compensate me for the losses I sustained due to their revoking the transaction and my trip although, I have followed the proper procedures in such fraud alert at case by calling the bank and with their guidance and instructions I was able to buy the Airline Ticket. I have been damaged by the Bank wrong actions, despite I had complied with all the proper procedures to validate the transaction. 1- The reasoning that I should have called them to remove the alert and clear and approve the transaction which I did. It is provided by the following evidence : 1- The Transaction made and a bank receipt was received for the transaction. 2- a Phone call made prior to the bank to validate the transaction to the XXXX XXXX XXXX XXXX lasted for XXXX Minutes and XXXX seconds. ( this is where I was on the phone with bank verifying and acknowledging the transaction, which resulted and end of buying the Airline Ticket and transaction was successfully made ). 3- The Whole Transaction was made by my Credit Card where is My Name is there and the Name of the Passenger is The Same as the Name of the Credit Card Charged. So, How this Could be a Fraud? and The Airline Has these Data under the PNR reference. Finally, Today, I called the Escalated Department of the Bank where they refused to offer any equitable solution nor taking any account or responsibilities of their actions that cause my monetary loses as well as emotional stress. 2- bank refused my request to speak with their XXXX to address my case and informed me that this is the hights it can get, No resolution and no further action can be made. Therefore, I'm filing this complaint with CFPB against the PNC Bank, asking for a proper monetary remedy under the law and as per the consumer protection law and any other applicable USA laws. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX | ||||||
| 11/07/2023 | Yes |
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| In XX/XX/2023, PNC Bank took over our Mortgage Servicing from XXXX XXXX XXXX. During this Transfer, the account/routing number was transferred incorrectly, and as a result we were required to make a manual payment, visit a branch, and reach out to their service team on multiple occasions before they would accept our original billing information as an acceptable method for our recurring payment method. This was only the first of a multitude of frustrating and time consuming interactions with PNC, a servicer we did not choose or wish to work with. It took several weeks and many attempts for them to recognize our automatic payment method. On XX/XX/XXXX, I received a letter stating that Hazard Insurance coverage verification was required for our property insurance to confirm our coverage. This was sent as a letter to us, and was put on us to resolve, requiring yet another call. PNC has the name of our insurance company and could have verified this themselves. I spoke to an agent who said they would confirm with our insurer and let me know- I never received a call or email to confirm. This was never an issue with our earlier insurance company. On XX/XX/XXXX, I received an escrow account statement including a check for {$6300.00}, leaving an {$860.00} balance in our escrow account. Our escrow total requirements were calculated on the previous owner 's reduced tax bill of {$1400.00}, leaving us without sufficient escrow balance to pay our property tax obligation of {$4300.00}. I called PNC - again - to see what to do with this - the value of the check had already been debited from our account. I was told to deposit the check into my checking account ( due to the amount I had to go in person to a branch of my XXXX XXXXXXXX XXXX to do this, taking more time out of my day ) and then to pay it back to PNC to my escrow account. I have no idea how PNC would pay into just the escrow, so I asked if I could pay the property tax directly to the city and then resolve this with PNC afterwards for the following year. I was told this was OK. Today XX/XX/XXXX, I intend on making the payment to the county. Out of concern/hesitancy I check the PNC account and see a disbursement was made XXXX for the property tax bill, with an " escrow advance '' from PNC of {$2700.00}. I check the county tax register and the tax bill has not been paid. I call PNC and speak to a supervisor who tells me that this is covered by PNC ( I check to confirm that this hasn't come out of the account we pay our mortgage from ) and am given a very vague answer and told to call the county myself to check on the tax status. I ask if our payment obligations monthly will be higher to account for their error to make up the {$2700.00} " escrow advance '' to resupply the escrow for next year. They don't know and apparently " are working on it ''. At this point I don't believe my taxes to be paid and I do not know what escrow payment I can expect and PNC representatives are kind but frankly unhelpful. This was never an issue with our previous servicer who we rarely spoke to and paid our tax bill at the {$4300.00} accurately and on time. | ||||||
| 11/05/2016 | Yes |
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| My wife and I attempted to refinance our home to obtain funds to replace the roof, reduce revolving debt, and home improvement. Just prior to closing/settlement the lender 's attorney identified a cloud on the title. The cloud was a paid off HELOC with PNC Bank from two years ago which PNC had not filed a mortgage release. Attempts to get this issue resolved have met with us and our lender being handed from office to office, each stating this is not their department 's responsibility or refusal to return calls. We, with the assistance of our lender, have filed a formal request for release, but have no idea whether it has been received, or delivered to the proper lien release department. Two years ago when we received a HELOC loan Maturity Date notice it was clear from the letter that if we had paid off the HELOC at the Maturity Date a release was to be issued by PNC. The HELOC was paid off on XXXX/XXXX/XXXX, 5 days prior to the Maturity Date. Based on the letter it was not felt that a formal request for lien release was required. Frankly, it is my lender and the settlement lawyer 's opinion that having failed to issue this lien release is in violation of Alabama XXXX XXXX XXXX, in any case we have made a formal request for release which starts the 30 day clock ( beginning XXXX/XXXX/XXXX ). There is a subsequent Alabama XXXX XXXX XXXX establishing a penalty for failure to meet the 30 day time frame. While such a penalty is insignificant to a bank as large as PNC, it would be an interesting exercise to determine if PNC 's delinquency of providing lien release is endemic and reflects on the PNC 's sound banking practices. Dealing with the frustrations and delays of a clouded title has resulted in substantial stress and loss of sleep trying to determine an expedient resolution of this issue. Pertinent Facts : 1 ) We refinanced our home with PNC in XXXX, it was clear on the XXXX that part of the proceeds of the refinancing was to pay off the existing mortgage with XXXX XXXX XXXX AND pay off our PNC HELOC. Additionally, there was an XXXX to the XXXX stating the funds from the proceeds of the refinancing with PNC were to settle these XXXX mortgages. PNC filed a release for the existing loan and failed to file a lien release for the pay off of HELOC. 2 ) It is clear from the HELOC Maturity Date letter of XXXX XXXX, XXXX that PNC 's policy is to file a lien release if the balance of the account is {$0.00} at the Maturity Date. The PNC HELOC account statement dated XXXX/XXXX/XXXX clearly states that PNC received funds to zero the account prior to the maturity date. 3 ) Failure to remove this cloud on the title of our property is violation of XXXX Code and may jeopardize the interest rate lock on our in-process refinancing effort and/or cost us extension fees. 4 ) PNC 's lack of being helpful in clear this oversight on their part is not indicative of a bank that has safe and sound finance practices. The lesson to be learned is for HELOC payoffs one must verify that a lien release has been filed. To be safe one should file a request with the financial institution who held the HELOC. | ||||||
| 11/06/2017 | Yes |
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| My complaint pertains to PNC Mortgage and automatic termination of PMI. I originally closed the associated conventional loan through iMortgage in XXXX, XXXX. XXXX, XXXX was the original provider of the PMI. My monthly PMI payments were {$43.00}. The loan was sold to PNC Mortgage and one of their companies took over the PMI. When I closed with iMortgage, the closing documents included the Private Mortgage Insurance Disclosure -- Fixed Rate Mortgage ( copy of this is attached ) document which was the only PMI information that I received during the mortgage and closing process. Under Automatic Termination of PMI, it states the following : " If you are current on your payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. For balloon loans ... ... .. '' When I signed the PMI document, I asked them about the XX/XX/XXXX date. I recollect that they said the XX/XX/XXXX date was used so that I could pay down the loan and once the principal was below 78 %, the PMI would automatically be cancelled without having to pay it until the principal balance of loan was first scheduled to reach 78 %. I have been going round and round with PNC on cancelling PMI for months. I originally asked a question online about the termination/cancellation in XX/XX/XXXX and at the end of XX/XX/XXXX received a letter saying that the loan closed as a primary residence so it was part of the Homeowner 's Protection Act and they sent me a bunch of information regarding the right to terminate and automatic cancellation. At the time, the loan principle to appraised value was below 80 % but not 78 %. They said I could request termination, but would have to have the property appraised for {$500.00}. They sent the forms. The two letters that PNC Mortgage sent to me on XX/XX/XXXX are attached. The principal balance was below 78 % with my XX/XX/XXXX payment but PMI has not been cancelled. On XX/XX/XXXX I wrote PNC Bank a letter requesting cancellation of PMI. A copy of that letter, copy of the PMI Disclosure statement, and their response is attached. They are now saying that after further review, the loan closed as a second home and is not covered by the HPA and does not allow for automatic termination ; however, the loan adjuster allows automatic deletion once the LTV reaches 78 % by original amortization, which is XX/XX/XXXX. They never addressed the automatic termination date of XX/XX/XXXX which is in the Private Mortgage Insurance Disclosure -- Fixed Rate Mortgage that I signed. My complaint is that the PMI disclosure statement does not distinguish between primary, secondary or any other ownership and clearly states an automatic termination of PMI when the principle balance is first scheduled to reach 78 % of the original value of the property which is XX/XX/XXXX. PNC 's website on PMI at https : //www.pnc.comXXXX, seems to back this up ( copy attached ). The current principal to OV is below 77 % and I still request cancellation of the PMI. I seek your assistance and advice. XXXX XXXX | ||||||
| 08/13/2015 | Yes |
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| To whom it my concern My name is XXXX XXXX I am writing in to file a Complaint against XXXX XXXX XXXX XXXX XXXX XXXX a loan officer at PNC bank XXXX XXXX XXXX. XXXX FL XXXX. In XXXX I came in to the PNC bank to receive information on getting a mortgage loan I talk to XXXX XXXX he informed me of all the documents that I would need to provide him with. I then came back XXXX XXXX th and gave all the required documents that were need to start the process of my loan. On XXXX XXXX called XXXX left a message to contact me and never receive a call back. I came in to his office XXXX XXXX th to find out if my loan was in process or if I was approved at all. He informed me that my loan was approved ( lie # 1 ) and that all he was waiting on was for the appraisal office to contact him ( lie # 2 XXXX. I then waited till XXXX XXXX came and spoke to him at the office to find out what was going on with the appraisal office he then told me he was in contact with the appraisal office and that they needed the address to the property ( lie # 3 ) at that time I did not know the address but informed him I had the deed and which he said that would be fine and made copies and told me that the appraisal office would be in contact with me with in a couple of days .I waited till XXXX XXXX contacted XXXX by text message cause at this time had not heard anything. he replied that he would find out for me and then never replied back. I then went in to the office on XXXX. XXXX he told me that the appraisal office never contacted him ( lie # 4 XXXX. So he cancelled with that company and ordered a new one with another company ( lie # 5 XXXX. at this time I felt very uncomfortable and had the feeling I was being lied to I ask him what my loan number was and was given a false number ( lie # 6 ) and the date my application was put in which he told me XXXX XXXX. XXXX lie # 7 ) I later called PNC mortgage company on XXXX XXXX and was told that I was not in there system. And the loan number that I was given was not a number that they would use. On XXXX XXXX I called PNC mortgage and found out that a pre application had been put in on me from XXXX. On XXXX XXXX. On a property location that I do not own. The way I was treated was so uncalled for. The past XXXX weeks I have been lead to believe that I had a loan. That my financial need was cared for. XXXX XXXX knew how important this loan was to me and my family and to be discard as an unvalued customer this is very upsetting. To knowingly mislead someone and lie straight to my face on seven different occasion is disgraceful. My time is very valuable and he has wasted six weeks of it. He obviously does not follow the PNC code of ethics three being Customer Focus, Respect and Integrity to me XXXX XXXX has not upheld these qualities .and has tarnish the PNC name for me. I have never been treated in such an unethical unprofessional manner. At this time I deserve an explanation to why he needed to lie to me and an apology for his dishonesty. I hope to hear back from you about this incident soon. Thank you for taking the time to read my letter. Sincerely, XXXX XXXX | ||||||
| 08/13/2022 | Yes |
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| Pnc Bank loan service has violated many consumers credit laws. Under 15 USC 1681 ( a ) Permissible Purpose of Consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. PNC did NOT/ do NOT have permissible purpose I did NOT give PNC my written consent to report anything to my consumers credit report. No consent is identity theft. PNC BANK has violated many consumer laws so lets state a few. Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This law clearly states that AGENCIES are to be accurate and fair. Wheres the accuracy and fairness? The last few words of 15 USC 1681a ( 4 ) states RESPECT FOR CONSUMERS RIGHT TO PRIVACY. PNC BANK has violated its 2nd consumer law. Under 15 USC 1611- Criminal Liability for willful and Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. PNC Bank has yet AGAIN, violated the law. PNC BANK willingly, carelessly and Knowingly violated 15 USC 1611. PNC BANK has posted hard inquiries on my consumers credit report without my WRITTEN consent For every hard inquiry posted on my report is {$1000.00} a piece for every party responsible for every hard inquiries to my credit report. Ive reached out to PNC BANK regarding this matter via mail/ certified letters with return receipts to rest assure that they receive my demands! PNC still failed to remove what was demanding them to do. PNC BANK has also committed Aggravated identity theft. PNC REPORTED information as a third party, report to the credit bureaus and posted it to my consumers credit report as if they were me ; Knowingly and willingly that they are committing AGGRAVATED IDENTITY THEFT! Under 18 U.S. Code 1028 ( a ) Aggravated identity theft ( A ) Offenses.- ( 1 ) In General- Whoever, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfer, possesses, or use, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Banks are borrowers! A copy of this will be sent to all parties responsible, the attorney general and PNC loan Service XXXX, XXXX, XXXX. | ||||||
| 09/25/2016 | Yes |
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| The minute we first received notification that PNC had decided to charge us {$3.00} for check images, we immediately within minutes called PNC and specifically said " NO THANK YOU! " Still they keep stealing {$3.00} per month and refuse to return the funds and close our account. On XXXX/XXXX/16, there was a {$3.00} unauthorized withdrawal on our monthly statement. We called customer service at XXXX. The customer non-service representative who answered harassed us for a long time, verified our identity several ways but refused to discuss the {$3.00} bank error and insisted we drive over XXXX miles to the nearest PNC branch or open an online account because she was not capable of doing her job to correct the obvious routine bank error. So then we called a branch office at XXXX on XXXX/XXXX/16 and were told that the unauthorized fee for the " Check Images '' would be happily reversed since we never agreed to purchase pictures of checks that we do not need or want and specifically said not to send. She also told us the boldfaced lie that they would stop repeating this error every month. When we received our next monthly statement on XXXX/XXXX/16, not only was the original error not corrected, there was an additional theft of another {$3.00}. No one at the branch office at XXXX answers the phone. Again we were forced to call customer non-service at XXXX. The customer non-service representative who answered said his name was XXXX. He was extremely nice and professional but since PNC does not allow their employees to correct routine bank errors or provide any customer service what so ever, he was not able to fix the problem. He did apoligize profusely and explained our three options which are : 1. He closes our account and MAYBE someday PNC issues us a check for some portion of our illegally depleted balance while PNC keeps the misappropriated funds 2. He leaves our account open and passes us along to other PNC employees who will continue harassing us while PNC continues stealing from us 3. We hop in a time machine back to XXXX XXXX, 2016 and open an online account so every hacker in the world can find us and steal our identity, then enter a secret pin number and click on some button to opt out of this bank scam we had no way of knowing even existed back then. According to the PNC website, the nearest branch office is a XXXX mile out of state trip to XXXX, Md, but when we travelled long distance to those addresses that we had banked at before, the XXXX downtown is now a dry cleaners and the XXXX in the mall is a vacant hole in the wall. PNC 's position is that only an " online '' customer is a " valid '' customer and therefore an illegal unauthorized withdrawal is a " valid '' charge whenever the customer has an XXXX card in their wallet instead of an electronic gizmo with lots of apps in their hand. When I opened the account 3 decades ago, I fit the XXXX year old customer demographic they were willing to serve. Now I do n't, which is fine because they no longer fit the bank profile of local honest secure financial institution that we are willing to trust with our money. | ||||||
| 11/22/2023 | Yes |
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| I file this complaint against PNC Bank, XXXX. This complaint stems from PNCs refusal to release my SEP IRA to XXXX XXXX, despite numerous demands they so do. At present, I am the beneficiary of a SEP IRA currently held by PNC. The value of the account is {$69000.00}. In XXXX, 2023, I required PNC transfer the account to XXXX XXXX XXXXXXXX XXXX in a custodian-to-custodian transfer. I executed the required paperwork to effectuate the same. At no time was I to take personal custody of the funds. PNC chose to transfer the funds by cashiers check. ( To be explicit, I did not direct how the funds were to be transferred. I assumed the funds would be wired or sent via ACH. ) A PNC employee later confirmed the check was sent via First Class Mail without a tracking number. XXXX claims they never received the check. After a few months of the funds not appearing in the new XXXX account, I required PNC to reissue the funds and send them to XXXX. As a condition of reissue, PNC required a XXXX representative sign an indemnification agreement, dated XX/XX/2023. ( Attached with strikeout. ) XXXX refused. PNC then requested I sign the indemnification agreement. The indemnification agreement includes a confession of judgement, allowing PNC to file a judgment against me for double the face amount of the check plus up to 15 %. On XX/XX/2023, I received a replacement indemnification agreement from a PNC XXXX manager. ( The boilerplate language on the form is identical to the original. ) The new agreement contains several errors, including, among other things, that the replacement check is to be made out to me personally, not XXXX XXXX ( as custodian for my IRA ), and the instrument date of the agreement. The instrument date of the new agreement reads XX/XX/2023. I refuse to sign the indemnification for, among other reasons : - I do not believe it is my obligation, nor responsibility, to inject myself into a dispute between XXXX banks and to assume the liability of XXXX or both. I requested a transfer from custodian to custodian. Once I made the initial request for transfer, the only entities involved were the XXXX banks. I was not to personally receive the funds. An error or errors occurred somewhere between the XXXX banks. - I have suffered losses as my funds have been in limbo. If my IRA was on deposit at XXXX, it could have, at least, earned an interest rate of over 5.00 %. In addition, I have spent much time and effort attempting to resolve this situation. If I sign the indemnification, I waive my rights for compensation. Because I refuse to sign the indemnification, PNC refuses to release the funds. Representatives from PNC time, and time again, from front-line employees to supervisors ( or to whom the situation was escalated ) refuse to release my funds until I sign the indemnification. I have contacted PNC multiple times between the beginning of this saga and the filing of this complaint. As the funds remain with PNC, the bank remains able to make money off my money. I demand my money. I further demand compensation for the losses, effort, and stress incurred. | ||||||
| 01/11/2022 | Yes |
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| My wife and I work from home in a single family home in XXXX XXXX, XXXX. On XX/XX/XXXX I placed a 5 % deposit on a new condo purchase from a developer in XXXX before traveling there to reserve it. I contacted several lenders and initially locked a rate 2.875 % ( XXXX pts ) on a second home purchase with a XXXX XXXX After discussing with my wife having learned more about the property we decided we wanted this as our primary residence since the internet and amenities would make it a better work environment. I called PNC bank on XX/XX/XXXX and spoke to XXXX XXXX and explained that we wanted this to be our primary residence and locked a 2.75 % rate ( XXXX pts ) with them. I mentioned that this was listed as a second home on the purchase agreement but I wanted this to be my primary residence since we do not want to have to change it later with the XXXX. Note the property is assessed at a higher value than our current home. During the conversation he said they could also do it as a secondary home and if we want and he could wave the XXXX pt fee. During the process I received a loan estimate from XXXX ' assistant XXXX that had added XXXX points to what was agreed upon. I forwarded him the initial email where XXXX had stated the terms was with no points and he subsequently had it corrected with manager approval. Everything was going fine and as it was looking like we were going to close I withdrew the application from the other lender ( XXXX ). Then on XX/XX/XXXX I received an email from XXXX that stated " The Underwriter is making us go with this as a second home. It is marked as a second home purchase in the contract. Because it will have to be a second home, that affects our pricing by XXXX of a point. '' I asked can we just do an addendum to purchase contact and he said we can try that. So after the addendum was completed and returned I received an email from XXXX on XX/XX/XXXX that stated " The Underwriting manager refuses to allow us to call this a primary home. She is forcing us to do it as a second home. I think that original purchase agreement is what did us in. So, since we have to go the second home route, our rates change. Below is what we are looking at. I would suggest locking at the 3.0 %, but I will wait for your confirmation. '' In this email is a chart that also indicated that the new loan terms were for XXXX pts. It is clear to me this is a bait and switch scheme and PNC bank and there is no reason why PNC can not honor the already agreed locked rate. The 10 year treasury has recently shot up in the past weekly and mortgage lending rates have followed suit. I spoke with XXXX XXXX on the phone on the phone regarding this and he was apologetic and relayed to me that XXXX was " supposed '' to let me know on XX/XX/XXXX that the underwriter was requiring a new application and the rate lock could not be applied and that did not happen. I agreed to float a rate with them to see if it comes down but I will likely have to back out of the purchase since I will have to have loan approval by XX/XX/XXXX or I will lose my 5 % deposit ( {$62000.00} ). | ||||||
| 01/25/2019 | Yes |
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| On XX/XX/XXXX at XXXX XXXX - we received an email from PNC stating " ... Your access to Online Banking and Voice Banking has been suspended as a result of incorrectly entering your password on multiple attempts '' To regain access reset your password at pnc.com. Which she did. But she didnt even see that email until XX/XX/XXXX around XXXX XXXX. My daughter ( FYI I am also on the account with her, this is a joint account ) logged in to change her password at which time she recognized a charge for {$300.00} to XXXX XXXX XXXX on XX/XX/XXXX that she did not make nor does she even have an account with XXXX XXXX. She contacted the fraud dept who told her to call in the morning once the charge posts. She did just that. XX/XX/XXXX at roughly XXXX XXXX she called PNC, they told her they would open a dispute for the unauthorized charge and issue a new card. ( NOT sure why they would take this route being that the charge was an ACH withdrawal. They offered her no other security measures at all. Needless to say the next day XX/XX/XXXX two more ACH withdrawals were debited from our account. {$2900.00} ( this one to XXXX XXXX XXXX ) and {$1400.00} ( XXXX XXXX again ) again neither of which she or I have accounts with. At this point I called PNC Fraud dept and spoke to a manager ( XXXX ) who assured me that he was going to stop payment on those 2 charges and freeze the account, he directed us to go into the branch in the morning to continue the dispute process. Well the next morning the charges posted AND another unauthorized ACH withdrawal was made for {$3700.00} ( this one only stating ACH DEBIT VISA ). So I go to the bank this morning XX/XX/XXXX and get back two of the charges ( the {$1400.00} and {$2900.00} charges ) after they tried to tell me that I had to wait 10 days. When they should have frozen the accounts after the {$300.00} charge was made and the other 3 charges wouldn't have ever happened. Now I understand that there are really good hackers out in this world. But I would have expected better practices in place when these types of transactions come through especially when they are so outside of the norm of usual activity on the account. My daughter has had that account since she was XXXX ( now XXXX ) hence the reason Im on the account since she was a minor when it opened. She has been saving her money since then. To wake up and see your entire life savings just taken from you in an instant when you thought your bank had protected you not once but twice, is devastating. PNC has stated they'd refund the additional monies on Monday when the {$3700.00} posts. We have already taken out what money was left and put it in a safe at home, she is scared to death to trust banks now. This bank needs better training for their reps and better policies and practices to protect the consumer. This could have been prevented with the first {$300.00} charge. Or even when they knew someone was trying to access her online banking account with the wrong password multiple times. The account should have been locked. They just allowed these hackers to attack the account repeatedly. | ||||||
| 07/05/2018 | Yes |
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| I submitted complaint # XXXX. I received an email on XX/XX/XXXX at XXXX stating that PNC responded and needed additional time. A second email came in at XXXX stating that a response had been received and the case was closed. No response from PNC was received only a copy of my complaint. Due to this error I am submitting another complaint for the same reason as the above case number. In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. Both of these deficiency repayments are taking place at the same time as the mortgage payments. ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX. This has now been changed to XX/XX/XXXX. Also, in the hearing held on XX/XX/XXXX and XXXX, PNC representative stated that she did not know what happened to my payments. | ||||||
| 08/06/2019 | Yes |
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| PNC has overdrafted my account a total of 24 times inXX/XX/XXXXand XX/XX/XXXX. While I learned economic responsibility the hard way at times, starting in XX/XX/XXXX, it went from genuine overdrafting to re-arranging my transactions so that a posted deposit that would reliably hit my account at the exact same time it historically does would somehow be 'late '. Bank records show that the only times in the past two years my paycheck has posted late was when not posting it on time would result in an overdraft. I had trouble cancelling transactions with an automated app that caused me to overdraft, any refund I would issue in a hurry would also post later than it normally does with the vendor if I would overdraft first, or any other depsoits I could count on would always be later. A few times, a scheduled deposit would come much sooner than it historically tended to, such as a tip from a service that normally posted next day would suddenly post as soon as the transaction happened, very abnormally, and it triggered an overdraft. Any time since XX/XX/XXXX that I saw that I was going to over draft, I would transfer money as pre-emptively as possible from an external savings account in as timely a manner federal law allows. These always post by the third business day, but these deposits would always be much later in the day than average if my account would overdraft before. I overdrafted once on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. While the XX/XX/XXXX ones were suspect in the transaction timing per my personal records, they then escalated, 6 times on XX/XX/XXXX, 3 times on XX/XX/XXXX, 4 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, and twice on XX/XX/XXXX when I was abroad and could not call to cancel a transaction with limited service in the country I was in at the time. In XX/XX/XXXX, I called PNC to protest with records at the time to prove that the transactions were re arranged to make me overdraft multiple times, and for a period, I received a partial refund ( still never received the complete 7 times {$36.00}, only for the three ). I have lost, according to bank statements, {$1100.00} to overdrafts in this time, most of them I tried methods for that, if my account was not about to overdraft or re-arranged, would not have resulted in a fee. My statements do not have times on them. This is {$1100.00} that I could have used for medical use, my vacation earlier this year ( and I am submitting a separate complaint regarding an emergency I had that PNC completely dropped the ball on ), or to keep myself afloat inXX/XX/XXXXwhen, during the summer, I had hit economic difficulty and was trying to stop payments or defer payments as much as possible. I even attempted to change the overdraft policy to protect myself from further charges, which did not happen and resulted in the next wave of that month. I was not able to pay my student loans on time in XX/XX/XXXX entirely due to the economic hardship these incidents occurred. It has also incurred a lot of pain and suffering. I only submit this now because I have only learned of this process today. | ||||||
| 05/19/2021 | Yes |
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| We sold our home on XX/XX/XXXX. The payoff check was sent by the Lawyer 's office on XX/XX/XXXX and was received by PNC bank on XX/XX/XXXX. The money was cashed and cleared the account on XX/XX/XXXX. The lawyers office sent the invoice stating the account number, the address and our names for the payoff with the check. PNC bank did not place the funds in correct account that was given in the invoice. PNC called myself and my wife to let us know that they have not received our mortgage payment on XX/XX/XXXX and the payment would have been due on XX/XX/XXXX. We let them know that mortgage should be paid off and they should have received the check from the lawyers office. I then called the lawyers office to verify that everything was sent and they had proof that it was in fact sent and cashed. I then called PNC BANK on XX/XX/19 @ XXXX XXXX and spoke to a Representative who basically took down my information and told me they were going to put in a report to be done to try to find the money and that they would call me in 24 to 48 hours. I then told her that was not good enough and that they needed to transfer me to escalate this situation and that it was a large amount of money that was missing. I was then transferred to XXXX, a supervisor, and she was very condescending and told me that it would take 24 to 48 hours or longer to find the money. I was able to give her the check # and the correct amount and the date it was received. She also said that it was not her job to find the money, it was her job to put in a report. I then asked to speak to someone where it was their job to find the money and that I was not going to get off the phone unless they found the money, where it went and what account it was cashed. I was then transferred to XXXX in the escalation center where XXXX asked me what the issue was after being on the phone for almost an hour. I was very upset that they had blindly transferred me and didn't stay on the phone to clarify the issue. Once XXXX understood the issue she took down the information and gave me her personal fax number for the lawyers office to send the information that they have on file showing the check was received and cleared the account. XXXX then told me that there was nothing else she could do and that she was sending in a report for them to look into where the money had been received. I told her that I wanted to speak with the XXXX department ( where the check was received ) to find if they could look through the databases to find the check. She then told me could take up to 24 to 72 hours to find the money. I asked if I could speak to someone in the complaint department, she said they do not have a complaint department and that I could put in a call back for a supervisor to give me a call but that would take at least 24 to 48 hours. At this point, the XXXX payment is still showing as past due and it could effect my credit. I am completely unhappy that PNC did not seem concerned with my missing money and I had to escalate the problem twice. This could effect my credit and that is ALOT of money that is missing. | ||||||
| 11/29/2016 | Yes |
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| I had fallen behind in mortgage payments with PNC Mortgage. After several attempts to retain the property, I was told by PNC that I had exhausted all of my options for retaining the property and that I could not be considered for any further assistance. As a result, I decided to sell the property via short sale and enlisted the services of a realtor experienced in managing short sales. The house was listed on XX/XX/2016 and I received an offer on the property shortly thereafter. The short sale offer and supporting documents were presented to PNC on XX/XX/2016. On XX/XX/2016, PNC contradicted what was previously stated and said they would now offer a loan modification before they would consider reviewing for a short sale. In doing so, PNC extended a trial payment plan to me. On XX/XX/2016, I notified PNC in writing that I would be declining the trial payment plan/loan modification because the loan terms were still the same and I was unable to afford the payments. I also informed PNC that I wanted to proceed with the short sale package that was presented to them for approval prior to the trial payment plan offer. I also reminded PNC that I had a contract on the property. On XX/XX/2016, PNC indicated that the file could not be reviewed for short sale until after XX/XX/2016 - the date by which the signed agreement or the first payment was due for the trial payment plan. On XXXX/XXXX/16, PNC stated that the file would not be closed out before XX/XX/2016. This was contradictory to what was stated on XX/XX/2016. I was also informed that I would need to re-submit the short sale package and that a foreclosure sale date was set for XX/XX/2016. On XX/XX/2016, PNC still had my case for the trial payment plan open although I had previously declined it in writing ( more than 30 days prior ) so that I could proceed with the sale of the property. On XX/XX/2016, the file had not yet been closed out by PNC. On XX/XX/2016, I was notified that the file had been closed out and the short sale package was resubmitted on XX/XX/2016. On XX/XX/2016, I was notified that my entire file was closed and that PNC would NOT review for the short sale because the time frame was too short. PNC proceeded with foreclosure on my property and on XX/XX/2016 the property was sold. I am initiating this complaint because I believe PNC forced me into foreclosure. There were other options. PNC had ample time ( approximately 3 months ) to consider the short sale of the property rather than moving forward with foreclosure. Although PNC, presented a trial payment play for retention, the payments were not affordable and the terms of the loan had not changed. I believe PNC acted in a predatory manner by impeding the short sale process and refusing to review an offer to sell the property. The short sale offer that was made was equivalent to the appraised value XXXX $ XXXX XXXX that was determined on XX/XX/2016 by an appraisal company hired by PNC Mortgage. Although PNC Mortgage has already foreclosed on my property, I believe this story should be shared to inform others of PNC 's practices. | ||||||
| 01/14/2018 | Yes |
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| While attempting to refinance a condo owned by my mother and me we ran in to an issue with PNC Bank. Our finance person had the new loan locked in at a significant saving for my mother who is XXXX years old and on a fixed income. She lives on social security and the income from her part time job as the XXXX at a XXXX XXXX XXXX. After multiple people and multiple transfers I was finally able to reach someone to ask about the situation and request a payment history. I could not get a consistent answer from anyone. One person would tell me they could fax the information while the next person would say that faxing was not permitted. I received the same run around with the option of email. Finally on XX/XX/XXXX they mailed me a copy of the payment history. Upon review several things stood out. First, on a XXXX year old loan which was originally for {$12000.00}, the current balance is {$11000.00}. This means that over the course of 10 years the principal has gone down less than {$1400.00}. Admittedly my mother, who lives in the condo and pays the mortgage, has been late and missed some payments but even with that being factored in that seems highly unlikely. Second, the payment history provided ended in XX/XX/XXXXwith a notation that it had been charged off. PNC has continued to accept payment past that point but refuses to provide me with any additional documentation of that payment due to a bankruptcy that was discharged almost 10 years ago. This loan was not part of the bankruptcy. On Thursday, XX/XX/XXXX, after many requests, I was finally contacted by a supervisor. He told me that the reason the loan showed as charged off is because they transferred the balance to another loan in XXXX. To the best of my knowledge, no new loan documents were signed nor did I authorize a change to initial terms of the loan. When I told the supervisor that I was going to be filing this complaint on advice of counsel, he openly laughed at me and said Let me tell you how this is going to go down. and proceeded to explain to me that they would produce documents from the original loan ( which had been previously acknowledge as no longer the active loan ) and that we would still have to pay them back. Im not trying to discourage you, just giving you advice. PCN Bank openly stated that they would knowingly and intentionally provide inaccurate documentation to the US Government as a part of this investigation. I have spoken to a number of real estate and finance professionals I know personally about this situation and they all have nothing good to say about this company or their business practices. They are known for manipulating customers and situations in order to assess fees and penalties which make it virtually impossible to pay off the loans they make to the average person. I realize that your organization receives innumerable complaints on a weekly basis. However, I would like it to be known that there is a loan offer pending the outcome of this investigation which expires on XX/XX/XXXX. Thank you very much for your time and consideration. | ||||||
| 11/30/2018 | Yes |
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| On XX/XX/2018 I noticed a late fee ( {$38.00} ) and service charges ( {$12.00} ) on my credit card after just making a payment. My payment was due on XX/XX/XXXX I paid the balance which was {$1300.00}. I used the companies online banking to make the payment. I have several accounts with PNC they include mortgage, unsecured loan, two credit cards, and a checking/savings account. I also have an investment portfolio with them. All of which I can access through online banking. XX/XX/XXXX I was in the credit card potion of online banking to make a payment, I had two options Schedule a payment and Pay today. I selected Pay Today, selected pay balance and clicked submit. The bank reported my payment as coming in on XX/XX/XXXX, four days late. I called customer support and asked how this could be. The answer stunned me and sounded nothing short of fraud. They said that there were two reasons it was late. First they claimed I paid after XXXX eastern time and second that they used a third party to make the payment. The third party then sent them a check. I was told if I wanted it to be credited that same day I should have gone to the transfer funds page to make the payment. So the Pay Today button did not make the payment that day as you think it would have being called the pay today buttom. Keep in mind all these accounts are with PNC and for the Pay Today option they use a third party? They claimed that when I used the Pay Today button that it would have told me the date it would arrive and warned me about paying before XXXX. I checked and it does give you that information in very small print way off to one side and in lettering close to the same color as the back ground. I was not sure what time I made the payment but knew I used the Pay Today option on my due date. I asked them what time I paid, they said they had no way to know but it must have been after XXXX because I received the late fee. I was told it was my fault and the fees would not be refunded, I asked for a supervisor and was transferred to a senior credit card associate who denied the refund as well. I asked to be transferred to online banking to see if they could tell me when I made the payment, they could not so I was transferred back to credit card services. After going back in forth with a new consultant, I was informed that she would ask her manager to reverse the fees and I should see the refund on the account in by XX/XX/XXXX. She said she could not guarantee it but felt strongly that it would happen and from that point on in the conversaion she used words like when and would in realition to the refund. After not seeing the refund on the XXXX I called and checked on the status of the refund and was told I did not qaulify for a refund. I was also charged a late fee ( {$270.00} and service fees ( {$9.00} ) in XXXX for the acact same reason, only I had not realized those charges untill they told me about them when I called on XX/XX/XXXX. I feel the Pay Today option is missleading with the intent to charge late fees and it is impossible to reach a real supervisor of any kind. | ||||||
| 02/04/2017 | Yes |
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| I took out a loan for my home on XXXX XXXX XXXX. The purchase price was {$620000.00} and my loan amount was {$510000.00} so a 82.6 % LTV. I was told at the time that as soon as I hit an 80 % LTV, they would drop my mortgage insurance. Knowing this. I paid a little extra on my loan and about 4 months ago, called and asked to put in this request. I had a few conversations about this and after all was said and done, they informed me that it is NOT an 80 % LTV on my purchase, but that I have to have this 80 % to drop my mortgage insurance on the value of the property now. ( Which is fine but not the way they explain how mortgage insurance works and were very misleading about them being able to drop the MI once at that 80 % LTV ) Anyway, they told me that I had to pay them {$500.00} to have the property appraised so that they knew that it was n't valued at less than what I paid. I live in XXXX and anyone who pays attention to any kind of housing market, which I 'd hope that they did being in the home loan industy, knows that our market has only rapidly appreicaiated in the past few years. My tax assessed value is {$63000.00} higher and if you were to look at XXXX or XXXX to get a basic estimate, they would say {$700000.00} and {$720000.00} respectively. I went ahead and mailed them a check for {$500.00} to just solve the issue and get it done as they have been wasting my time ( and money ) for the past few months. ( MI at {$300.00} and something a month for 4 months adds up! ) They repsonded, by mail, today and stated that they are not able to find an appraiser who will get them an appraisal for {$500.00} and the least expensive appraisal they can find is {$550.00} and until I mail them another check for the additional {$50.00}, my request has been put on hold. They also stated that the appraisal due date in XXXX and this quote was based on the appriasers schedule as of XXXX but received this information today, XXXX/XXXX/XXXX. So even if I did give them another {$50.00}, XXXX XXXX would come and go before this ever happens. My complaint is why am I paying for an appraisal anyway? I was never told that the LTV only applies if they decide my property is worth what I paid for it. What they say is that as soon as we get to the 80 % LTV, then the MI can be dropped. In the meantime, I keep getting charged for Mortgage Insurance every month on a property that I have a conservative 75 % LTV on ( more likely 72 % ) and I cant seem to get this MI removed. I paid them the requested {$500.00}, now they want {$550.00} and by the time they actually find an appraiser to handle this, will it be {$600.00} or {$700.00}? The fact of the matter is, is that I have an 80 % ( actually less ) LTV on my purchase price and I think that with a little research, they can confirm that the property has not decreased in value and that they should be able to drop the MI like I was told they would do. And they should honor thier {$500.00} appraisal request! Since I sent the check, I have made XXXX more payments with the mortgage insurance I have requested to be dropped. | ||||||
| 10/29/2018 | Yes |
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| On XX/XX/XXXX, when trying to pay for a purchase I made with a merchant, I handed my credit card over to the merchant, and she returned it moments later saying my transaction had been declined. It later became clear that the merchant had fraudulently swiped my card for two successful transactions of {$140.00} and {$140.00}, and attempted to swipe for a 3rd transaction that was declined. After the merchant told me the card had been declined, I ended up paying a bewilderingly high amount of cash and was refused to be provided with any receipt outlining the prices of the goods purchased nor the receipt of my cash payment. This, combined with the discovery of the two unauthorized pending charges on my online bank account, prompted me to report the incident to the local police the following day, XX/XX/XXXX. I opened a dispute with the credit card company ( PNC Bank ) as soon as the charges posted to my account, on XX/XX/XXXX. They soon after mailed a request to provide a receipt or other documentation. Not having a receipt, I mailed back a copy of aforementioned police report. On XX/XX/XXXX, I received a letter from the credit card company saying they are unable to assist in my dispute. I called them on XX/XX/XXXX and spoke with a representative who adamantly insisted that unless I provide some kind of receipt, there is absolutely nothing they can do to assist me. After a few weeks of doing some additional research and consulting with peers, I called the credit card company back on XX/XX/XXXX, and firmly insisted that per the Fair Credit Billing Act I am entitled to ask for proof of charges I am being required to pay for, and do not have to provide anything to request such proof. A different representative again adamantly insisted that unless I provide some kind receipt there is absolutely nothing they can do. After some back and forth, I was transferred to a supervisor 's voicemail, where I left a message dropping the term " Fair Credit Billing Act '' a few times. I got a call back from the supervisor a few hours later, saying they will go ahead and proceed with my dispute. On XX/XX/XXXX, I received a mailed communication from the credit card company with 2 receipts for the 2 charges, provided by the merchant. The communication stated that based on these receipts, they are unable to assist in my dispute. I called on XX/XX/XXXX asking to speak with the representative whose name was on this communication, wanting to share some concerns I had with the provided receipts, some of them being : discrepancies between the timestamps on the itemized receipt and the signed credit card slip, discrepancies between the timestamps on the signed credit card slips and when the swipes actually occurred, and most importantly the fact that the signatures on both slips were forged. That representative was not available, but another one told me she would pass along my initial remarks and I will be receiving a call back from the original representative shortly. Today, XX/XX/XXXX, 3 full business days have passed and I have yet to receive a call back. | ||||||
| 10/28/2023 | Yes |
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| Consumer Financial Protection Bureau ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... Investigation Case : XXXX and XXXX ... ... ... ... ... ... ... ... ... ... ... ...... Date : XX/XX/XXXXXX/XX/XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... RE : Debt Validation, XXXX XXXX third party debt collectors ... ... ... ... ... ... ... ... ... ... ... ... ...... ( A ). I am disputing the alleged {$170000.00} debt claim by XXXX because he identified himself as a third-party debt collections servicer in his FDCPA response ( unsigned ) letter dated XX/XX/XXXX, states hes acting on behalf of PNC as a debt collector assigned to collect a debt. Meaning not the Creditor ... ... ... ... ..... ( B ). Thus, there is no debt owed to XXXX since they are not the creditors and evidence in violation of the FDCPA to provide the name and address of the creditor. Thus, I am again for the third time demanding debt validation under the FDCPA 15 U.S.C. 1692 et seq. for disclosure : ... ... ... ... ... ... ... ... ...... 1. Provide the name and address of the Creditor ... ... ... ... ..... 2. Provide XXXX Debt Collections license ... ... ... ... ..... 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit Power of Attorney ( POA ) from the Creditor that you are authorized to act on their behalf in this alleged debt collection action ... ... ... ... ... ... .... 4. A notarized copy of the Bond on file with the State of XX/XX/XXXXallowing your firm to operate as a collection agency ... ... ... ... ... ... .... 5. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt and allow for the collection of this alleged debt ... ... ... ... ... ... ... ..... ( C ) No evidence of debt, The original XXXXXX/XX/XXXXXXXX waived their status as a Creditor when on XX/XX/XXXXXX/XX/XXXXthey Accepted my remittance Note payment for the property and Mortgage as tender of payment under UCC 3-409 ( a ) & ( b ) deems they [ cashed the draft/cheque Order paper ] and UCC 3-604 ( a ) means XXXX they didnt return Note back to me identifies it was valid ] ... ... ... ..... In conclusion, for in the ordinary course of business, when good faith requires an answer, it is the duty of the party receiving a letter from another to answer within a reasonable time. Otherwise, he/she is presumed to admit the propriety of the acts mentioned in the letter of his/her correspondent and to adopt them. Clean hands doctrine, I am requesting disclosure records. Otherwise cease and desist, refund funds unlawfully collected, withdraw unlawful legal actions ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... By The People_Full-Faith-and-Credit : XXXX, XXXX XXXX | ||||||
| 01/08/2023 | Yes |
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| On XX/XX/XXXX we reported fraudulent use of our debut card to PNC bank. That same day we cancelled the compromised card and received a new card. Due to the holidays we did not realize the fraud had been going on for a little over a month. The initial fraudulent transaction was on XX/XX/XXXX. On this same date there were XXXX other transactions all charged through walmart.com. Altogether there were XXXX transaction from XX/XX/XXXX through XX/XX/XXXX. The dates of those transaction are as follow : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Initially PNC gave us provisional credit for all the transaction. However on XX/XX/XXXX we received a letter advising they were reversing the provisional credit because we did not notify them in a timely matter. Specifically, " as noted in our XXXX XXXX Funds Transfer XXXX XXXX, we must receive notification no later than XXXX days after we sent the first statement on which the unauthorized transaction ( s ) appeared. '' i immediately called and to dispute the reversal, and asked they reinvestigate. I was assured this was mistake because they had included a change back on XX/XX/XXXX as part of their investigation. I confirmed the charge in XXXX was not fraud, and we were only contesting those starting in XXXX. On XX/XX/XXXX I received XXXX letters advising the had completed their investigation and determined I had not reported the charges timely. Again, I immediately called to dispute their response. My call was elevated to someone in the fraud the department who told me they go back XXXX years to investigate fraud, and if I have any transaction with that merchant the XXXX days starts from the initial transaction per XXXX XXXXXXXX I again explained the charge in XXXX was not fraud. She again said it does not matter per XXXX XXXX I'm responsible for all charges to that merchant. I asked to speak to a supervisor which I was told she was unavailable. I asked for a return to which to date I have not received. I also asked for the specific language from XXXX XXXX, which I have not been provided. i went into the branch on XX/XX/XXXX to elevate my concerns, at which time they also told me this is a mistake and I should not have an issue getting my money back. I received a call from another customer service representative ( XXXX XXXX ) on XX/XX/XXXX which again she said she would elevate to her supervisor, and would call me back within XXXX hours. On XX/XX/XXXX I had not received a call yet so I called again. XXXX told me she did elevate my complaint and was told they go back XXXX years in their dispute investigation, so all charges past XXXX days of the XX/XX/XXXX charge I would be responsible for per XXXX XXXX I again asked for the specific language from XXXX XXXX, which she was unable to provide to me. I asked my complaint be raised to their XXXX XXXX which she agreed and said I would get a call in XXXX hours. To date I have not received a return call. | ||||||
| 09/05/2023 | Yes |
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| The first week of XXXX I contact PNC Mortgage to pay down my HELOC to XXXX. I was told to go online, use button for " pay off amount '' and to pay that amount. I did, which resulted in overpayment of {$1000.00}, but also received a notice that I owed {$220.00} in interest since I did not specify how much was to go to principal vs interest ( I was not told to do this ). Additionally, I was told upon follow-up XXXX that I should have requested a mailed payoff statement, and that I should ignore and not pay the XXXX HELOC statement I would receive. I had no way to shut off autopayment from the PNC checking ( which had {$0.00} in it ) for the XXXX payment. There should have been no payment since the HELOC account was overpaid ( had a negative balance ). However, PNC pulled {$1000.00} out of the account, and now I am in overdrawn status on my checking. The last week of XXXX I had called again and asked how to get this account down to XXXX. I was told I had to transfer money into the checking ( takes 5 days for PNC to clear this ) and pay the interest of {$220.00} before they would reimburse me for the negative balance on on HELOC. I was all set to do this today when I noticed the XXXX payment and overdrawn checking which I did not authorize ( any never applied for overdraft on this account ). I have requested a daily breakdown of the account for the past two months so that I can understand the flow of money, and still have not received a payoff statement after XXXX XXXX XXXX over XXXX month. I can not get a straight answer as to how to get this account to XXXX ( principal and interest ) and believe that I may be overcharged with interest payments at the same time they owe me money for paying down the account too much. This is after multiple issues originating the account earlier this year, and having them decline checks made on the account where they said my signature did not match the loan documents ( I checked. The signatures were identical ). There are so many issues with the service and the product. The staff does not seem to understand how the product works, and the process to get information by mail is antiquated. In the meantime the payment amount changes by the time you receive the information ( if you receive the information at all ). Additionally, PNC clearly does not want complaints. They make it nearly impossible to provide feedback, and it has to be by phone. The phone staff does not know how to handle or document or escalate complaints. There is no way via email or mail to provide complaints. Multiple phone calls this year I have said " this is a complaint '' ( on a recorded line ) and never receive any feedback. They make it impossible to document a formal complaint. I will be closing out this account as soon as I can get the balance XXXX out and I absolutely do no recommend doing any type of banking with PNC. I work for a bank, and having seen what we have been asked by our regulators to make it easy and responsive for customers to file complaints, I am astounded that PNC is able to operate this way. | ||||||
| 02/15/2022 | Yes |
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| In XXXX, I was a XXXX Subscriber therefore I had authorized them to take out of my bank account through ACH method the monthly charge of {$17.00} per month from XXXX to XX/XX/XXXX, they upped their rates to {$21.00} from the months of XXXX through XX/XX/XXXX. The issue I have is in XX/XX/XXXX they took XXXX payments of {$21.00} out of my bank account and I did not authorize the extra payment and then in XXXX of XXXX they took {$21.00} out of my bank account bi-weekly. I have tried talking to their customer service people who laughed at me and told me to go my bank. Their customer service reps also gave me three different stories on what all that extra money was for, one told me it was for a magazine that I never received, another customer rep told me it was for XXXX XXXX which is duplicate coupons and sale ads in Sunday papers and another yet told me it was for something called XXXX XXXX for something extra that they put in the newspaper a few times per year and ironically I have no clue what they are talking about because I never subscribed to XXXX XXXX, XXXX XXXX or no dang magazine and never seen anything extra. Now one would think if they are going to be double and triple dipping into people 's bank accounts they would have sent out a mass email or letters or both to their subscriber database to alert us all of these extra charges and to alert us to the fact that we could either subscribe to all of these extra things or choose not to subscribe. They did nothing. All they did was take extra money from me which I consider to be fraud because they stole extra money from my bank account without my express written or verbal confirmation/authorization. Now I had Covid back in both XXXX and XXXX, so unfortunately I couldn't get to my bank until XX/XX/XXXX because I had to wait for the health department to release back into the public along with my primary care physician and today my bank rejected my chargeback dispute. How can they legally do that to me, I have been a customer of this bank for 22 years, they are supposed to be helping me protect businesses from double and triple dipping without my authorization. I want my money back from the XXXX who was bought out by GCI because I didn't authorize them to take all that extra money out. I only ever authorized them to do one payment per month of the going rate which last year was {$17.00} for a bit then upped to {$21.00}. I was overcharged, I was stolen from, this is complete fraud to me the consumer and the fact that bank I have dealt with for 22 years or more isn't helping me is unacceptable, disgusting, illegal and wrong on all levels. I want my entire {$63.00} back that I was overcharged for. I want it back like yesterday. I don't understand why the bank rejected my dispute, I have a legitimate dispute that involves the money XXXX stole from me. I keep finding different agencies to file complaints with and I will keep at it until someone hears me and makes this right. To make this right I need them to repay me {$63.00} and it needs to go right back into my bank account. | ||||||
| 06/13/2018 | Yes |
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| XX/XX/2015 I started inquiring about home loans through PNC Mortgage Company. The process took about 8 months and during this time my credit was pulled many times without my consent. I was giving verbal updates about stalling and needing continuation but never any updates about them needing to repull my credit over and over nor was I aware this was happening until I looked at the many inquires on my credit file. My credit prior to seeking this loan was at nearly an 800 and after I completed my Home loan my score was around 590 to 615. I suffered financially because my loan was not completed in time and I had to endure expensive month to month costs since I was out of my contract in my apartment. all in all this company was not able to complete my file because the location that I was working with had shut down and they had to transfer me to somebody out of state. I was not given a reason as to why they were shut down but I can only assume that their practices were unethical and that might have had something to do with their being shut down. It was a major inconvenience that i was transferred to another person in another state Named XXXX XXXX. So I mentioned to her all of my credit inquiries and financial burdens I had to endure and the major inconvenience it caused me -time and hours out of my day to sort through all of the issues I had with a PNC Mortgage Company . so to attempt to resolve the issue she refunded me my appraisal costs but I never heard anything back about financial compensation in regards to me having to pay out of pocket month-to-month at my apartment being out of my housing contract. XXXX XXXX was the lady who was working my loan originally and she told me I was to have my house keys on a projected day, and when I called about getting my house keys another lady said that she had never even completed my pre-approval but I had received pre-approval letters and had them on file so upon complaining to another loan office named XXXX XXXX I had only got my appraisal finances refunded and that is the only thing that was settled in regards to my complaint with the company. I am writing this complaint since it has taken me 3 years to repair my credit since this issue has happened, I personally feel that I am I entitled to financial compensation. Not only did my loan with PNC Mortgage never get completed but I had to change to another lender and they opened and closed my file and completed my mortgage within one month. Upon looking at refinancing my home I found out that I am able to put a complaint on file and potentially resolve this issue that has personally scarred my experience with any home loan companies regarding credit scores. I have missed out on many opportunities to use credit because the damage that was done from PNC Mortgage. Below is the office and representative who mistreaded my file for future references. XXXX XXXX Mortgage Loan Officer PNC Mortgage, a Division of PNC Bank, NA NMLS # XXXX The PNC Financial Services Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, WA XXXX XXXX Office | ||||||
| 08/10/2019 | Yes |
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| I have continually complained about the theft of my home by the mortgage company with little to no success, and they're counting on my ignorance and lack of money to keep me from succeeding! See I aquired my home thru survivorship rights after my companion passed away and he aquired it thru a trust. However, by the time it had gotten to me it was no longer in that trust. Immediately the mortgage company quit talking to me about everything except to say I needed to either become the administrator or the executor. They would not talk to me at all about the loan, how much I owed, or even whether or not they were getting my faxes proving ownership and affidavids of death. For 5yrs they accepted my monthly personal checks while doing their best to foreclose. I faced 3 foreclosure attempts and even had the government program " Keep Your Home California '' try to help me on two separate occasions, but we're denied both times because I wasn't the original borrower. They finally resorted to returning my mortgage payment saying it wasn't enough to cover my default ( which I was not in ) and had their substitute trustees foreclose on me even though neither of them had ever even talked to me and the many hardship packets they had me fill out went unapproved for no reason. I finally got their attention when I complained to this website and they agreed to pay me {$25000.00} to withdraw that complaint. However they did not keep their end of the agreement, and I never withdrew the complaint. Now I want to know what they plan to do about replacing my home! The {$25000.00} was just to make up for what they assumed I had paid in mortgage payments since I had aquired the home, and to help me since I had been homeless for several months, but what about the loss of my home, my stability, and my life??? And what about the fact that they have never even once proved they owed that loan or that it hadn't been paid off when the original borrower died??? They willfully and purposefully put me thru XXXX on a daily basis!!! I never really got the chance to morn my companion but instead spent every waking hour trying to figure out how to keep my home knowing they were just waiting for any excuse to take it ... They have crushed my very existence as if I had never even mattered and all for what? Money??? My home was worth {$160000.00} and I only owed approximately {$32000.00}. I paid my mortgage monthly doing the best that I could to be on time. They even sent my late fee 's back regularly saying I had overpaid, so I don't understand what the XXXX happened or why they were so against treating me with the respect they should have!!! And now they're trying to brush this whole incident asside saying we came to an agreement and they paid me off??? Seriously??? I will forever be without my home and thanks to the abuse I've endured I have been unable to get a job for the last 4-5 years, and I have been denied social security several times now. They should not be allowed to continue to business this way or to treat their customers so badly!!! | ||||||
| 10/06/2022 | Yes |
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Web | Servicemember |
| I gave notice and notice is attached. I love you all! Unjust enrichment is not fair nor equitable. Subrogation is a form of equity and subrogation is right to subrogation not an opportunity. Equity is recognize by the u.s. constitution article iii subsection ii paragraph i. I certify my right to subrogation and substitution. Being that I am the subrogee and implied surety that was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collaterals or liens which the creditor held as security ; and since I am secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if this matter is not settled. This is unjust enrichment, and usurpation. A writ of Quo warranto lies against you to prevent malversation and peculation. So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security ; and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable ; ( XXXX ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. Definitions from XXXX business guides dictionary of banking terms. Collateral. Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. Substitution. Replacement of one creditor by another, also known as subrogation. Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. I gave notice and notice is attached. I love you all! PNC Bank XX/XX/2022 XXXXXXXX XXXX hard copy return receipt tracking XXXX | ||||||
| 08/17/2020 | Yes |
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Web | Servicemember |
| PER THE CFPB ... I contacted PNC Bank ... was in touch and communications with PNC Bank - and was transferred to a DIFFERENT person who was assigned by PNC Bank Executive and got transferred back to the original person who cut me off - XXXX XXXX. SHE WENT DEAD QUIET AFTER I PROVIDED PROOF OF PNC BANK HARASSMENT When I sent her all the proof of from USPS and Caller ID. After she " claimed '' my address and telephone numbers are " not in PNC database ''. But it was. HAVE NOT HEARD FROM PNC SINCE! THE 2ND FOLLOW UP COMPLAINT WAS CLOSED AND MARKED AS DUPLICATE WHEN ADDITIONAL PROOF OF WAS ATTACHED. -- -- -- -- -- -- -- -- -- - Original Complaint from 2 previous complaints against PNC DEAR CFPB, AS YOU CAN SEE THE FRIVOLOUS CLAIM MADE BY PNC AND THEIR DENIAL THEY EVER COMMUNICATED WITH ME VIA PHONE OR USPS ... I HAVE NOW ELECTED TO PROVIDE MORE PROOF OF ... USPS MAIL. THE CASE " CLOSED '' PREMATURELY IN REFERENCE TO : CLOSED CASE MARKED : XXXX THEY REFUSE TO SETTLE FOR XXXX AND INSOMUCH - HERE IS ADDITIONAL PROOF OF. ATTACHED IS A USPS MAIL FROM PNC BANK WHICH WAS RECEIVED IN TODAY 'S MAIL! I AM NO LONGER GOING TO XXXX : RETURN TO ADDRESSEE / NO SUCH PERSON. RECEIVED 3 MORE CALLS TODAY AND YESTERDAY - ASKING FOR A MR. XXXX XXXX, A MISS XXXX XXXX, AND TODAY, MS. XXXX XXXX XXXX! ENOUGH ALREADY! STOP! ORIGINAL COMPLAINT : SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXX-XXX-XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S ) ARE APPEARING IN THE SYSTEM. THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM. | ||||||
| 05/12/2017 | Yes |
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| I am contacting your office to request that you review an outrageou s letter ( Uploaded to your site ) that I received from the Attorney for PNC Mortgage, relating to the servicing of my FHA loan, and their blatant attempts to obstruct the process of trying to get reviewed for assistance programs due to a delinquency on the loan. I was given the same information over the phone by PNC represe ntative XXXX XXXX . Basically, these ag ents of PNC stated that they would no longer consider me for any type of modification assistance because I have submitted too many applications. The letter did not state that I have submitted too many applications and they all have been denied ; the letter does not state that I have been approved for multiple modifications, so I am not allowed to apply again for two years -- -no, it appears that PNC is actually fabricating a reason to deny assistance through a government regulated program. Perhaps in this era of reckless government PNC feels tha t they can change the rules and deny access to government programs that are available for all FHA homeowners, but this is wrong. I am requesting that you open a formal investigation of PNC Mortgage and the way that they are servicing your loans, because I am sure I am not the only one. PNC Mortgage is the servicer of this loan, not the investor, and since this is a government insured loan and the investor is FHA there are options that must be consideredloan modification, partial claim, special forbearance, repayment plan etc. My issue is not that I have applied so many times ; my issue is that PNC has not completed a review in an efficient, competent or timely fashion. So this appears to me to be a false attempt to obstruct an FHA borrower from government programs that you are REQUIRED to offer. There are no FHA guideli nes or restrictions relating to maximum number of ATTEMPTS, especially when the PNC staff is not even completing the review and issuing a decision. We have suffered a true and demonstrable hardship and fell behind on our mortgage. We are now back on our feet and our financial situation has steadily improved and changed. We are entitled to a full review for all government programs available. PNC Mortgage does not have the right or the authority to obstruct this process. I feel deserve the opportunity to have my case escalated to the Office of the President and deserve the opportunity to have my current and correct financial information evaluated for all government programs that exist for FHA borrowers. I have been told that PNC is required to do so, and they need to comply with the federal rules and guidelines for this government insured loan. I actually as ked PNC if th is was an FHA rule or something internal, and they stated that it was an internal decision. This is wrong, we have sufficient income to afford a reasonable payment and this is an avoidable foreclosure. I am requesting that your office intervene in this matter so that I have the opportunity to save my home with the programs that are in place. | ||||||
| 05/01/2017 | Yes |
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| This loan originally started out as a land loan from National City Mortgage in XX/XX/XXXX for XXXX and bought out by PNC. When my husband was laid off in XX/XX/XXXX we then did a loan modification for the remaining XXXX split in payments of the first XXXX and balloon payment of the 2nd half of XXXX at the end of 15 years. In XX/XX/XXXX we had a private investor ready to release funds at the title company to help finish building our half built home on the property. Everything was at the title company and PNC refused to subordinate. We can not qualify for a construction loan with any bank because we already began building and our funds are limited where a private investor is more willing to help. We have XXXX children and XXXX with XXXX XXXX XXXX and we are just trying to get this house built so we can sell it to provide accurate medical care for our XXXX XXXX. XX/XX/XXXX we received a denial for the subordination and application for loss mitigation. We then got a verbal approval on XX/XX/XXXX for loss mitigation over the phone by XXXX at PNC. We got the XXXX paperwork XX/XX/XXXX of which 5 of the 6 pages continued to reference " loan modification '' and one page referenced not being approved for " loss mitigation ''. Even though we clearly applied for a loss mitigation. XX/XX/XXXX myself and my husband received separate letters of " Statement of Credit Denial ''. It explained that they can not grant our " loan modification '' at this time, even though we have never applied for one. At this point I had not mailed my XXXX paperwork for the contract because of the wording and unclear proposal by PNC. XX/XX/XXXX I called XXXX first thing in the morning with no returned message. XX/XX/XXXX I received Disclosure of Home Valuation from PNC. It valued our XXXX acre in XX/XX/XXXX at XXXX and in XX/XX/XXXX it had dropped to XXXX based on other sales around the area. We currently owe just under 100k now. By XX/XX/XXXX I emailed XXXX at PNC and still no response by ending business day. I am very confused with the paper work and their run around. XXXX told me on XX/XX/XXXX not to make my XX/XX/XXXX payment which concerns me since we have always been current, no matter how hard it makes it on our family financially. I am working with a real estate finance team and they said PNC has been known for doing shady work. I do not want to sign anything I do not understand and they do not want to explain it to me. This property is costing my family more money than it 's worth at this point. We have XXXX sick kids and it is becoming a financial burden the longer the half built home sits there. The sad thing is, they could have had all their money if they had just subordinated and let us build the home and sell it. Now, they 're in jeopardy of getting a half built home that 'll be foreclosed with no current permits since I wo n't be renewing if I ca n't get any help. Why should I put a bigger financial strain on my family with all the trips to XXXX XXXX hospital for a property PNC wo n't allow me to finish developing? | ||||||
| 03/05/2023 | Yes |
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| XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Consumer Complaint Division Re : PNC BANK Debit card declined ; account was blocked for {$880.00} ; ENOUGH FUNDS in the account ; bad customer service ***Updated this letter as of XX/XX/XXXX - I initially filed a complaint to FDIC XXXX they said they will forward this to you but I just filed it in your website anyway. To Whom it May Concern : On XX/XX/XXXX, I went to the USPS to purchase a money order worth {$880.00} ( for my boyfriends rent ) My debit card was declined even if I was putting the correct PIN and I did not tell them to block or put on hold ANY amount of withdrawal from my account. My account has ENOUGH money to cover the {$880.00} withdrawal and I was able to successfully used my debit card from the previous month - same amount. My account suddenly is blocked. Called PNC customer service number ( waited 45 minutes and wasted my lunch time FOR NOTHING ). After work ( another time wasted here instead of me resting at home ), I went to my bank branch ( XXXX XXXX XXXX ) I ranted to the manager XXXX XXXX ( To be honest, she is the only one that has helped me here ) She gave me a new card ( apparently what I had was old in which they should be tracking ). By the way, I also tried to use their chat to resolve this call back from a manager was 3 days!!! never happened too! A certain XXXX XXXX. ( Case Manager, Retail Support ) called me, left a VM and emailed me last XX/XX/XXXX. Called her back twice and emailed her back NO RESPONSE, NOTHING. Fast forward to today XX/XX/XXXX, another rent day for the boyfriend. Went to USPS to purchase the same amount of money order, Debit Card declined, called XXXX and she said it is showing blocked and let me fix this for you. Took a good 30 mins. ( another lunch time wasted ) the resolution is TBD because I am writing this formal complaint before I step out - update XX/XX/XXXX : I had to go back to USPS the following day for the money order, my account was unblocked. Again, the time wasted here in order purchase a money order. Unfortunately, this is my horrible experience with PNC Bank. They do not have an email for me to send complaints to they have their phone number in which you will be placed on hold for 45 minutes and not resolving anything. Plus the chat that does the same thing, nothing. As of the moment, I want to start processing on transferring most of my money to another bank - depending on the outcome of this complaint. My time was wasted here and the payment for my boyfriend 's rent ( anybody 's rent ) is very time sensitive. This is definitely NOT the service I expected. I have been with them for a good 6 years and unprecedented lack of service is just too much ( with the exception of XXXX XXXX ) - XXXX XXXX is offering me {$600.00} credit to my account IF I open an account with them with {$15000.00} and keep it there for 90 days. I want {$600.00} from PNC credited to my account if they want me to keep my money with them. I look forward to your reply on this complaint. Sincerely, XXXX XXXX | ||||||
| 07/14/2022 | Yes |
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Web | Older American, Servicemember |
| In XXXX of XXXX, I discovered that my funeral trust fund in form of a CD with PNC Bank was closed in XXXX of XXXX by the bank due to inactivity, as stated by the bank. The CD had a balance of {$9400.00} at the end of XXXX, which is when PNC closed the account, unbeknownst to me. The funds were sent to the Department of Revenue. I have had this funeral trust CD with PNC Bank for more than 25 years, and it always was automatically renewed. I, nor the funeral home ( XXXX ) who is listed as the trustee, were ever notified by mail, email or phone call, that the bank was going to close this account, which according to them was closed due to lack of activity. It's a funeral trust! On XX/XX/XXXX, XXXX XXXX XXXX submitted a claim to have the money returned to me. After hearing nothing, on XX/XX/XXXX, I checked the status of that claim and found it was closed due to the fact the funeral home failed to supply the required documentation! So on XX/XX/XXXX, I filed a claim to have my money returned to me. I provided all documentation XXXX requested and had email communication with them. On XX/XX/XXXX, I received a response back from XXXX that stated my CD account should never have been closed and that the money shouldn't have been sent to XXXX. It further stated XXXX contacted PNC Bank and requested that they take back the funds for the funeral trust. It further stated it would take some time to process the return. I had not heard anything from PNC Bank so on XX/XX/XXXX, I had my daughter take me to a branch of PNC in XXXX, Wisconsin to ask where things were at. I learned that nothing had been done to get these funds back and the woman I spoke with, XXXX, made some calls. She had us on speaker phone when she made the first call and the woman on the other end of whom she called told her to take the call off speaker phone. So my daughter and I had no way of knowing what was being said. We were then told by XXXX that this had to be handle by branch support and I had her take my phone number as well as my daughters, to call and let us know what will be done or needs to be done when she found out. On XX/XX/XXXX, I had not heard from anyone at the bank and had my daughter call XXXX back to see where things were at. XXXX stated to my daughter that it was my job to call the probate team and start the process. XXXX NEVER gave us any phone number, name or any contact information to have me start this process that day in the office. XXXX stated that she would call me when she found out what needs to be done as she didn't know the process of how to proceed with this. My daughter stated that she believes this attempt on the phone call to XXXX will not result in getting my money back to me. She said XXXX didn't seem to care. My daughter has now submitted another claim in attempts to get MY money returned to me from XXXX. I am XXXX XXXX XXXX and this has caused me so much stress that is effecting my health. How do I get my money back that was Illegally taken from me? Please help me get my money returned to me. Sincerely, XXXX XXXX | ||||||
| 11/16/2021 | Yes |
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| My initial complaint OF XXXX didn't allowed me to update the XXXX XXXX XXXX of Executive Client Relations AT PNC did to me TODAY after ME being on A call with XXXX XXXX XXXX XXXX XXXX , for XXXX XXXX in total BECAUSE XXXX GAVE ALL THESE EXCUSES & LIES THAT THEY NEVER BLOCKED MY CARD. This woman listed below, ASIDE FROM THE ENTIRE DISPUTE DEPT., AT PNC keeps blocking my credit/refund. XXXX XXXX. Executive Client Relations PNC Bank, N.A. Office : XXXX WAS NOWHERE TO HE FOUND AFTER SHE REQUESTED A 3 WAY CALL. XXXX, GAVE ALL THESE EXCUSES ON NOT GIVING ME MY CREDIT. SHE INSISTED I DO THE LEG WORK & DO A 3 WAY CALL WITH XXXX XXXX WHEN I GOT THE STREAMING COMPANY ON ThE LINE, I THEN CALLED HER, AND IT WENT INTO VOICE. THE VENDOR ASKED TO TRY AGAIN. ON THE 3RD ATTEMPT, BACK TO VOICEMAIL. XXXX WENT M.I.A. ON THOSE 3 ATTEMPTS, XXXX XXXX CLEARLY STATED TO on her voicemail to RETURN MY MONEY {$47.00} {$35.00} {$47.00}. Imagine, the vendor telling this good for nothing bank on her voicemail to RETURN MY MONEY, and she refused this money hungry bank. Check out the attachment on the incompetency of XXXX XXXX of PNC. AGAIN, ONE MONENT SHE WANTS TO HEAR XXXX MERCHANT TELLING THEM TO RETURNED MY MONEY, XXXX NEXT, INCOMPETENT XXXX NOT BEING SATISFIED WITH THAT. CFPB, I TOLD YOU FROM THE START THIS BANK IS SALIVATING FOR MY MONEY. THEY SHOULD BE FIRED STARTING FROM XXXX & EVERYONE IN THE DISPUTE DEPT. FOR THE GROSS NEGLIGENCE. PLEASE KEEP THIS AS A COMPLAINT TOWARDS XXXX XXXX OF PNC BANK OR ADD TO THIS COMPLAINT THE END RESULT. THIS BOLOGNE THAT SHE WAS WORKING ON IT WHEN SHE TOOK A DAY OFF LAST WEEK. WORKING ON WHAT? GIVING CONSUMERS XXXX. BELOW WAS MY FRUSTRATING EMAIL I SENT. SHE BETTER GET ON THE PHONE & call the merchant herself since they left her 3 messages to return my money. She's so ignorant that I won't deal with her incompetency. Period. -- -- -- -- - Forwarded message -- -- -- -- - From : CC> Date : Mon, XX/XX/2021, XXXX XXXX Subject : You Went MIA???????? To : XXXX XXXX Fwd : You Went MIA? XXXX Frustrating being on the phone resolving this matter when it was PNC duty. Go into your voice inbox since we tried three times to 3 way the call. I even sent you a message to stand by for it, and you didn't. Heard enough of PNC EXCUSES. XXXX, from XXXX XXXX streaming company left you a DETAIL message to put my money back in my account as follow : {$47.00} {$47.00} {$35.00} PNC HAS GIVING ME THE RUN AROUND WITH BOGUS EXCUSES. JUST PUT MY MONEY Without BLOCKING IT PER XXXX XXXX XXXX. DONE REACHING 2 YOU, XXXX VIA EMAILS & CALLS, AND YOUR UNAVAILABILITY OF THE 3 WAY CALL YOU Requested, BUT WENT VOID | M.I.A. PNC ARE THE WORST. THE MONEY DOESN'T BELONG TO Y'ALL, SO STOP THIS NIGHTMARE. SHAME ON Y'ALL. DONE WITH YOU. DO YOUR JOB AND GIVE ME MY MONEY TODAY. EIGHT MONTHS OF XXXX WITH INCOMPETENT REPs of PNC. PERIOD. MY INTEGRITY SUPERCEDED PNC LIES & EXCUSES. Y'ALL PUT A BLOCK. GO FIND THAT TAPE. GOODBYE. GIVE ME MY MONEY. DISSATISFIED CUSTOMER. LOUSY SERVICES IN THE ENTIRE SENSE. | ||||||
| 10/18/2021 | Yes |
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| This past weekend my bank went through conversion as PNC was taking over. As a previous employee the bank, I had expectations about how this was going to be handled. To say it fell very short of expectations is an understatement. Ill leave all the issues with getting funds to others because Im sure there are a lot of those. I have personally prided myself on my credit. My scores hover around 800. I have never had a transaction denied. I had worked at BBVA also and even though I worked at other banks I always used my bbva credit card due to rewards earned. I used it religiously and did not use a debit card. Well I was leaving for a trip without my family Thursday until today. So on Wednesday evening of XX/XX/XXXX I went to pay for my luggage through XXXX XXXX and it would not go through. I called XXXX and after 10 minutes I was told it was declined. So first off I was not happy since I have never been more embarrassed but more importantly I had no idea why. Back up a few weeks. I looked at PNCs website with their welcome and what to expect during conversion specifically credits cards. After 29 minutes of searching. It said that I would be able to use my credit card through conversion and after conversion I would receive a new PNC card to start using upon arrival. Well I called PNC and after 25-30 minutes Im told that PNC had just created my new card and I should receive it in a few days and by the way, your old card wont work. Here I am leaving my wife and kids at home with a credit card to use, Im going away with a credit card to use and guess what, I have no access to my credit. How is this possible to post information on your website and not follow through? I still have no credit and I feel very lucky that nothing happened where I was in dire need. Im not sure what the laws state specific to credit since they had XXXX reason for me not to have access except for this cluster of a conversion. The lady I spoke to couldnt turn it back on and and told me basically I was stuck and nothing they could do. Ive never been so embarrassed and still aggravated I dont have a card. In addition I was not properly disclosed to about the changes. In XXXX I moved to XXXX area. I had changed my address with BBVA in XXXX. Well apparently that change did not get to PNC. A week before conversion I had to call and verify a bbva had the correct address, PNC kept sending to my old address. Also I explore someone to actually go to PNCs website and find credit card conversion. Its like the hidden ball trick. If I want to send an email or call someone above a basic customer service person, there is no way to route that. They dont provide that information to the public. I have attempted calling, emailing using XXXX. I complained on XXXX directly to PNC customer service and didnt get a response for 3 days Ive worked at a lot of XXXX and have been through many conversions and this one by far was the most disorganized one with the worst communication. All my accounts will be closed and Im researching further action XXXX XXXX | ||||||
| 12/20/2017 | Yes |
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| XXXX XXXX XXXXXXXXXXXX To disputes XXXXXXXXXXXX XXXX XXXX office dispute Case number : XXXX I did not receive the merchandise because I came to XXXX XXXX XXXX XXXX XXXX XXXXat XXXX XXXX XXXX XXXX pa XXXX, thinking that they would fix my XXXX XXXX of my XXXX since I use XXXX XXXX, since I only need XXXX XXXX, but when they the XXXX XXXX XXXX XXXX XXXX XXXX office, when they put the XXXX XXXX on me that would have been the prescription according to them it would have been for the XXXX XXXX XXXX, when they put them XXXX on me, I could not see not even 3 feet away from me and without them XXXX I told the Dr. that Im able to see far away without those XXXX on than with them XXXX meaning that with them XXXX XXXX my far vision was off, but they when ahead any ways and gave me a next appointment for the XXXX, Im in a fix income, I have XXXX from the medical assistance office, and I been going to my regular XXXX XXXX. and he says that my far vision is better than 20/20 the only thing I need is my XXXX XXXX, my next appointment to my regular XXXX XXXX comes in XX/XX/XXXX and my last visit was in XX/XX/XXXX. That office : XXXX XXXX XXXX XXXX XXXX XXXX only wanted to take the money and wanted to take my far vision off just so I can read I only need XXXX XXXX and not my far vision to be taken off I need my far vision for everyday activities including driving, I felt like this was a sales meeting with them, because a responsible Dr. would have say well you cant see far away with the XXXX XXXX this means that you are not a candidate for XXXX XXXX XXXX because you do not need it and you only need XXXX XXXX, and I would only go ahead and do the XXXX if you want it as a want, with me and you knowing that your far away vision goes away with the XXXX XXXX which would be the prescription for the XXXX XXXX but only if you want it because you dont need it and I do not want your far vision to be taken off only so you can be able to read. So Im not a candidate for XXXX XXXX XXXX because I do not need it, because this office base on my experience with them could find everyone to be a candidate even if you dont need the XXXX, to me I do not need it and it would have been a want that would have ruined my far vision only to be able to read without XXXX XXXX. ALL I NEED IS XXXX XXXX I DO NOT NEED ANY XXXX XXXX XXXX THAT WOULD HAVE RUINED MY FAR VISION. I did contact their office right away at ( XXXX ) XXXX for they to refund that money back to my credit card but they did not and on XX/XX/XXXX someone from their office called me asking me if I agree for they to refund my credit card the amount of {$200.00} dollars but I told them that I need the full {$400.00} refunded to my credit card because that is what they took out of my credit card as down payment for the XXXX and whatever they did there was misdiagnosis on my XXXX because I did not needed I need that money back {$400.00} in my credit card because I live with a budget in low income and I struggle to cover my expenses as a XXXX dad Thank you Case number XXXX XXXX XXXX XXXX | ||||||
| 06/12/2023 | Yes |
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| Good morning, I was recently a victim of fraud/theft ; this fraud included three separate amounts in my checking account that have been denied after I submitted a claim. I will provide you with further details regarding this unfortunate situation below : I was purchasing a brand new, sealed in box, XXXX XXXX, Unlocked, XXXX gb, in the color purple from XXXX XXXX. The person whom I was purchasing the phone from requested that I use XXXX as a form of payment and agreed to ship the product to me. This scammer first requested a payment of {$500.00} from me. However, she indicated that because this was our first transaction, that I would have to be the one to send the payment ( as opposed to her requesting the payment from me ) ; hence, a second amount of {$490.00} was sent ( the scammer said that the amount sent for first-time transactions could not be more than {$500.00} ). This person sent fake transcripts from a chat with XXXX saying that my first payment of {$500.00} would be refunded by the next business day ; the scammer also sent fake receipts from UPS showing the product as shipped. Additionally, I was scammed {$180.00} for another product from XXXX XXXX, which was for accessories for my new phone ; I was also sent proof of delivery for these products as well, which unfortunately were never received ( this payment was submitted through XXXX ). This is an extremely large amount of money withdrawn from my account as a young, working woman, totaling {$1100.00}. It is your duty as the Consumer Financial Protection Bureau ( CFPB ) to protect me from situations such as the ones mentioned. I am not ignorant of the fact that this transaction was authorized. However, there has been {$250.00} XXXX dollars in fraud from XXXX since XXXX ; since PNC has partnered with XXXX, I would hope that more protective measures would be in place, considering this great loss. When disputing these transactions with my financial institution, PNC bank, they were denied on XX/XX/XXXX - the dispute with the amount of {$180.00} needed additional information for review. However, there were measures that did not seem to be taken into consideration during my investigation which include : 1. Comparing the purchasing pattern for the claim, such as types, amounts, and purchases, with the consumer 's previous purchases ; you can see that I have never used XXXX nor XXXX XXXX prior to this incident. 2. The place of delivery of the payment ( relative to my home ). 3. Getting in touch with the other party that committed the fraud. According to Regulation E of the Electronic Fund Transfer Act of 1978, when someone is induced into giving money, even if it is agreed upon, it is the bank 's duty to replace the funds. I have filed a police report for this incident if you would like to use the following case number to assist with this dispute : XXXX. I am requesting that you further look into my disputes and provide me with a reimbursement. Thank you and I look forward to hearing from you. Thank you very much for your time, | ||||||
| 10/22/2022 | Yes |
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| On XX/XX/XXXX, a person going by the name of " XXXX XXXX '' sent me a check, asking me to deposit it into my account. He asked me to send a portion of the money to a XXXX account under the name of " XXXX XXXX ''. The phone number associated with the account is XXXX. He sent me XXXX checks in the amount of {$2400.00}, totaling {$4800.00}. The first check of {$2400.00} was cleared by PNC and deposited into my account via mobile deposit. I sent a total of {$400.00} to the XXXX account on XX/XX/XXXX, before the check had cleared. Once the check cleared on XX/XX/XXXX, he asked me to send {$1400.00} to the XXXX account, and I did. Later that day on XX/XX/XXXX, he told me to send another {$400.00} to the XXXX account and he would send me another check for {$2400.00}. I sent the {$400.00} to the XXXX account. On XX/XX/XXXX, he asks me to send another {$1800.00} to the XXXX account, and to keep the remaining {$600.00}. At this point, I had just received an email from PNC saying that the first {$2400.00} check had been returned to the issuer of the check, by the person who issued the check. On XX/XX/XXXX, I got the second email from PNC stating the second check for {$2400.00} was returned unpaid. I called PNC on XX/XX/XXXX and reported the incident as fraud. I also made a police report on XX/XX/XXXX. The first phone call I made to PNC, I included all of the information possible that I could so the agent could properly report my case. When I called back after I made the police report a few hours later, I was told by another agent that there were no notes of the incident in my account and I had to go through the whole process over again. I was told by several different customer service agents through PNC that it is not likely that my dispute will get approved. The person behind this act is clearly a scam XXXX and out to take advantage of innocent people. I was told by a branch XXXX that I would have until XX/XX/XXXX to file an appeal on the dispute if it gets denied. I called on XX/XX/XXXX to once again check the status of the dispute, and was told that no one had even been assigned to my case yet. The woman also informed me that there is no such thing as filing an appeal, it is just simply filing another dispute. Since XX/XX/XXXX, PNC has delivered extremely disappointing customer service, acknowledgement of the incident, and overall knowledge about what needed to be done as well as their own rules and regulations of steps of action in a scam/fraudulent situation. Since then, my account has been frozen due to my claim of fraudulent activity. I have also been charged twice for the return of the checks. I have pictures of the text messages from " XXXX XXXX '' asking me to send the money, pictures of the checks that PNC allowed to be deposited via mobile deposit, and pictures of the XXXX transactions that were made with " XXXX XXXX 's '' information on them. The total amount that I personally lost in this matter is currently a total of {$2200.00}. Which is the amount I am fighting to get back. | ||||||
| 03/05/2022 | Yes |
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Web | Older American |
| I was notified by PNC bank that a charge of {$0.00} was made against my PNC Rewards Card by PNC Fraud Alert. I immediately responded that this was an unauthorized charge, to cancel my card, and to please send me a new one. I received the new card, but noticed that my credit limit had dropped from {$15000.00} to just {$2000.00}. When I called on XXXX to find out what was going on, I was informed that PNC had " reevaluated '' my credit and I was only entitled to a {$2000.00} Credit Line on this card. This was done with no warning or notification to me. This {$13000.00} removal from my credit line has become a self-fulling prophecy, as this caused my credit usage percentage to skyrocket, lowering my XXXX score and putting me into a lower credit category and damaging my credit. I have has this {$15000.00} credit line for at least 4 years. I have been working aggressively to lower my Credit Card debt, as XXXX can confirm. Oddly, I recently received a credit line INCREASE on my XXXX card. A cursory look at my Credit Report will find my payment history as exceptional on ALL accounts. There is only one negative entry on my Credit Report, which is a XXXX XXXX account that is not mine, and I have been fighting to have removed for more than a year. PNC 's own records will show that I have never been late with my credit card or car payments, and always pay in excess of the minimum due. I have even been working to pay down the the principal on my car loan, which PNC itself can confirm. So what changed over this month? In XXXX, I turned XXXX. I feel that I have been the victim of Age Discrimination. I have been at the same job for more than 6 years, make well over {$130000.00} a year and am a homeowner, with a mortgage with XXXX XXXX, again, never late, like my car and credit cards, always early and am paying down the principial. In fact, over the last year my Credit has improved. I think it is obvious that this massive reduction in my credit card line is related to my turning retirement age. I do not plan to retire, and because of my expertise in Cyber Security, I am in even greater demand that ever before. I fully expect retaliation from PNC Bank over this complaint. I have one credit card with PNC, and expect that I can see the credit limit on this one decrease as I continue to pay it down, as well as expect the interest rate on my car loan to dramatically increase. To protect myself, I will remove PNC as my direct deposit recipient and open a new account with another institution. I have always had a great relationship with PNC up to this point. I have always recommended them as a great bank of choice, but no more. Sadly, this is not the same PNC bank I have enjoyed a wonderful relationship in the past. I would also like to add that as of this submission, I have still yet to receive ANY formal communication, written or electronic, from PNC regarding this shameful action. It is only by my own diligence that I avoided an over-limit and the subsequent fees involved. Read into that what you may. | ||||||
| 04/16/2021 | Yes |
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| On XX/XX/2021 I proceeded to apply for cash-out re-finance mortgages for three of my investment/rental properties located in Texas with PNC Bank. The reason I selected PNC Bank is because PNC is the mortgage holder for two of my investment/rental properties in Iowa, and so I thought I would start with PNC to see if they offered a loan product to fit my need. I spoke with XXXX XXXX " XXXX '' XXXX XXXX, XXXX # XXXX, at PNC who told me that PNC does in fact offer cash-out re-finance mortgage for investment properties in Texas, and so I proceeded to go through PNC 's mortgage application process for my three Texas investment properties. XXXX phoned me on Monday, XX/XX/XXXX, to tell me that my loans were in underwriting and that everything was moving along as planned. In fact, on XX/XX/XXXX and XXXX XXXX of my three properties had the onsite appraisal inspection done. It took me by complete surprise when I received two auto-generated " Statement of Credit Denial '' from PNC Bank via XXXX on XX/XX/XXXX informing me that the reason for credit denial is " [ Does ] not offer terms requested ''. I phoned XXXX XXXX after I emailed the scanned copies of the credit denial statements asking him what this is about since only a couple of days earlier he called to tell me everything was moving forward and in underwriting? XXXX told me it's because Texas law does not allow cash-out re-finance loans on investment properties, which is completely untrue. Then XXXX told me that PNC Bank does not offer cash-out re-finance loans on investment properties in Texas. I asked him why he didn't tell me this when we started the process of having me apply to PNC Bank for three cash-out re-finance mortgages?! XXXX told me that he didn't know that PNC Bank didn't offer this type of loan in Texas and that PNC Bank 's system didn't catch it any sooner either. I made it clear to XXXX XXXX that because this was his and PNC Bank 's error, which has now cost me more than a month of time and interest rates have gone up since then, that I expect a full refund of the three appraisal fees that I paid for XXXX totaling {$2000.00} ) plus the credit report fee of {$31.00}. XXXX told me he would have to speak to his manager, and that it would take time - probably weeks - before a refund would happen. I made it clear to XXXX that a refund of my {$2000.00} should not take PNC Bank weeks to complete. It should be as simple of refunding my debit card charges. Although XXXX XXXX thinks I should trust him to get my {$2000.00} refunded in due time ( whenever that is ), it's incredibly unrealistic to think that customer should trust him to refund money when he isn't at all clear on what loan products his employer offers, nor does PNC Bank have systems in place to flag loan applications for a mortgage product they don't offer before actual appraisals are being performed onsite at the properties. This whole situation has become an unprofessional fiasco and I simply want a refund of my money that PNC Bank should have never charged me for. | ||||||
| 09/28/2017 | Yes |
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| Well you would think that we would have had enough with the last debacle with PNC regarding financing a home. I was assured and promised that if I gave PNC another chance it would be much simpler. That has proven not to be the case. I reached out to PNC to finance a home who I had originally financed through and had paid off in XXXX to pay for charges the city is mandating regarding the home be connected to the city sewer versus the septic it is currently on. I explained the property and the amount that was needed and started to go through the process then ran into some issues to say the least. I have been charged {$660.00} for an appraisal I never received on a Module home located at XXXX XXXX XXXX in XXXX XXXX that was originally financed through PNC. After I paid for the appraisal and had a lengthy conversation with the XXXX prior to him even coming to appraise the home explaining it was a module but was on a permanent foundation and on land that is owned, I was then told that PNC does not lend on module homes any longer and I would not be getting my full refund of the appraisal I paid for only a portion as I had to pay for the so called trip charge that was {$270.00} for him to drive from XXXX, Ohio to XXXX, Ohio which is XXXX miles or XXXX minutes. Then received a call from XXXX XXXX XXXX stating his apologies with Good news/Bad news information and then said he apologized but couldnt do the financing on the said home but definitely could do financing at a better rate on my home ( XXXX XXXX XXXX XXXX I use as a second and I agreed to then have that XXXX appraised. Not only did PNC not use the original XXXX I had originally paid but yet another XXXX and I was charged once again another {$500.00} ( money was taken off my credit card that was originally used for the first appraisal ) So XXXX weeks later and {$770.00} paid, I now still do not have a copy of either appraisals I have paid for ( {$600.00} paid XXXX/XXXX/XXXX with a credit back of {$330.00} on XXXX/XXXX/XXXX as I had to forfeit the so called trip charge as well as another {$500.00} on XXXX/XXXX/XXXX ) I am now being told that even though I own my houses all paid in full that I will need to do approximately {$20000.00} in work to obtain any kind of a loan on a home that has XXXX acres and was originally purchased for {$140000.00} for ridiculous repairs. Im being led to believe it isnt worth financing at all even with what the property alone is worth currently. Search XXXX XXXX XXXX Ohio properties for sale, including Farms, Ranches, ... the average value of land and acreage for sale in XXXX XXXX at {$23000.00} per acre. I would like both appraisals credited in FULL by PNC or be given both appraisals I paid for then I will be filing my grievance with CFPB/Consumer Financial Protection Bureau. I no longer want to do any further business with PNC and just want the money I have spent so far returned so I can work with a bank that is willing to help finance one of the homes I presently own in full. Sincerely, XXXX XXXX XXXX | ||||||
| 05/04/2020 | Yes |
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| I was searching for an apartment and the " owner '' of the home reached out to me regarding the home. He told me he moved to Florida and was working with a realtor who inflated the prices of the home so he decided to place the ad on XXXX. He told me due to Covid-19 that he was not allowing showings but we could drive by and see the place and check out the neighborhood. He sent me an application that I filled out which I completed. He told me if I am approved, he will mail me the keys since he was in Florida. I completed the application, he sent me a lease once I was approved, and I sent him the money for the security deposit and first month 's rent. Prior to sending him the money, I reached out to PNC on XX/XX/XXXX and asked them what would happen if I send money through the bank and I do not get any keys. The rep told me I can do a dispute to get the money back. At first, I tried to do the transaction through XXXX. I was unable to do so and called the bank again for assistance. I was transferred to another department. After a while, I sent the money through XXXX with the assurance from the rep that if anything fell through, I would be covered through the bank. I sent {$850.00} on XX/XX/XXXX and XXXX. Once the money was sent I was under the impression, the keys will be mailed out to me. He told me will mail me the keys and that is when I realized it was a scam/fraud. After he received the money, he asked for more money. I told him I was not sending him any more money and wanted my money back. He refused to give me my money back and proceeded he will send me the keys and I have not heard back from this person. Afterwards, I reached out to PNC and explained to the rep what happened ( XX/XX/XXXX ). She started the claim and told me to reach out to the XXXX dispute team to try and stop the second payment. The next day, I reached out to the XXXX dispute team and she marked the email address as fraud to prevent this from happening again to someone else. The following Tuesday XX/XX/XXXX, I called back to file a claim for the second {$850.00}. About 10 business days later, I received a letter that the dispute was declined based on findings. Under normal circumstances, I would not have sent money via XXXX. But since we are in a pandemic and people do not want to meet face to face, I was optimistic about the situation. I did not gain anything from this transaction except a loss of {$1700.00} and the service/agreement was not fulfilled. The bank has all of this verbiage on their website about reaching out to them if we fall victim and here is a victim and is unable to get a resolution. I attempted to do my due diligence by calling prior to sending the money and explaining my situation. The expert ( PNC ) didnt suggest that this may be a bad idea or sounded like a scam but instead attempted to help me ; on more than one occasion ; to assist me in sending the money so I can get this home. IF the calls are recorded, you can pull the recordings to see that I did reach out and explained what was going on. | ||||||
| 02/23/2016 | Yes |
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| This is a follow up to our attorney 's response regarding complaint # XXXX. ( see attachment ( Exhibit XXXX ) Exhibit XXXX contains certified receipts that contradict PNC 's assertion the documents were not furnished timely to loss mitigation in XX/XX/XXXX and XX/XX/XXXX. Exhibit XXXX provides a complete tracking of all activity through XX/XX/XXXX. Not the XX/XX/XXXX submission was documented, but we are not able to provide the dated fax. References to XXXX XXXX are documented by their own tracking of their activity when they represented us. PNC also asserts that we would not allow appraiser on our property. That is incorrect. First, these were realtors seeking to perform a market analysis. Second XXXX realtors were denied access our house because they would not identify with whom they were working. An additional realtor ended the property under false pretense stating she was showing the property., but actually performed a market comparability calculation. Exhibit XXXX contains public records of mortgage filings pertaining to our house. XXXX filing was the construction loan. A concurrent filing was made for our XXXX construction loan. At the time construction was complete, we expected a permanent mortgage to be issued. There is no such filing. We also expected conversion of the XXXX construction loan to a home equity loan, which is shown in public record. Neither of the first and second construction loans were removed from public record. to this date. Even our judge in foreclosure proceedings finds this unexplainable. Exhibit XXXX contains final mortgage calculations provide by the opposing attorney in foreclosure proceedings. It shows the original construction loan and the construction loan balance after payments were made. The documents purport to add costs of extra features to the construction loan balance. Instead, when you do the math, they add the extra cost to the original construction loan to derive the mortgage amount. We were overpaying principal and for approximately 8 years. Exhibit XXXX contains our credit rating information. Our credit ratings were perfect prior to losing my job. Based on information provided by PNC Bank an PNC Mortgage our credit rating is weak to fair. The reasons stated by the credit agencies are that our house is repossessed and foreclosed. This is not true. We are living in and maintaining our house while in being loss mitigation for over 4 years. I have tried unsuccessfully to correct this misstatement. The credit agencies also report based on PNC ' information that they have written off the home equity loan. Yet, PNC Bank has sent XXXX collection agencies to try to collect. PNC fails to provide the agencies the fact the Bank loan is subservient to the Mortgage companies loan. This is the situation our lawyer questioned in the rebuttal to PNC 's first response. It does not make sense that a primary lender approves a deed-in lieu of foreclosure, but the junior lender denies the senior lender the ability to follow loss normal mitigation procedures. | ||||||
| 12/02/2023 | Yes |
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Web | Older American, Servicemember |
| In mid XXXX I was online with PNC bank help center through their app, yet again, complaining I was still receiving mail through a not used XXXX XXXX XXXX XXXX FL. While chatting, I mentioned my debit card 's chip was failing at point of sale machines and I had to swipe the card instead. Agent stated she would send a new card for which I cautioned her that I did not want my current card to be affected in any way. She assured me it would be with the same account number and it would not be put into effect until I activated it. I explained it also takes a long time for me to receive as my home address is in XXXX XXXX. She said for sure not a problem. In the beginning of XXXX, I was purchasing my medications and the current card was declined. I paid cash. I went to different as this sometimes happens, to pay for groceries. It was again declined. When i got home I went online to the PNC app help center. I was told it was declined because the expiration date was wrong. The card 's expiration date was XX/XX/XXXX. I told them that the information was inaccurate. She insisted and then informed me the new card, sent XX/XX/XXXX, had a different expiration date and that my old card was deactivated. I explained how agregious this was as I had not received the new card. I asked to get the card reactivated for which she told me it could not happen. I was then disconnected and had to reconnect to speak with a different agent. This went on for a while with the same response from them. The agents raised my level of assitance and I received a call from an agent who explained the reactivation would not occur. She also told me a new card was issued XX/XX/XXXX, but that card was a different account number. And, to makes matters worse, both cards were sent to the FL I had asked repeatedly to have removed. My account actually showed my XXXX XXXX address so it is in their system, not on my account. I survive on social security and with inflation and the drop of the XXXX dollar, it has been difficult to survive even when the card was good. I explained all of this to the many agents I spoke with. I was told to call an XXXX number, which I explained can not be done from XXXX XXXX ( I have lived here for more than five years ). They gave me a local PA number to call collect which would not go through, later explained as I needed to do this from a landline phone which neither i nor any of my neighbors have anymore. I explained they have to contact me. Supposedly, another card was issued which, as of today, XX/XX/XXXX, I still have not received. I asked for expedited mailing. Not done. I asked to use XXXX, which I can not do as it uses the PIN number of the card which I do not have. I asked to wire transfer to a domestic account a friend has so I can get money to pay back the folks I needed to borrow money from, to be told I needed a XXXX address. I am at a loss. I have been online multiple times, filed at least two complaints to them, asked for more phone calls to explain. No response. And I have no access to my money. | ||||||
| 10/09/2022 | Yes |
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| On approximately XX/XX/22 my sons ( joint parent account ) PNC checking account was hacked through his mobile app. We were made aware by an email from PNC stating that a check from a police department in Illinois ( a state that we are not located in ) was deposited for {$4500.00} and was declined as fraud. As soon as the bank opened, we called customer service. In a few short hours, 3 XXXX transfers and 2 XXXX transfers had been made. My son has never used either of these services. The XXXX transfers were each for {$1000.00} and the XXXX {$600.00} ( approx ). The names of the individuals that received and accepted the XXXX transfers are highly uncharacteristic of names of individuals that my son is familiar with. Moneys transferred in and out of the account within that time frame are also not within character of the account historically. His account was frozen, but unbeknownst to us, a bot had been placed on his phone, making his newly issued account susceptible. Customer service placed a fraud alert on all 5 transactions. By that afternoon, we physically met with a pnc branch representative who stated that the fraud alerts were done incorrectly and proceeded to correct them. My son went to XXXX and had his phone erased immediately. Within 10 days, we were notified by PNC that the fraud XXXX cases were denied. I then spent over XXXX hours in one day being bounced between customer service and the fraud department. All 5representatives that I spoke with were not authorized to disclose why the fraud was denied. I went to the local police department and I file a fraud case. I also spoke with another customer service representative and her manager who placed another fraud dispute on the 3 XXXX transactions. Also, included was the police report number. XXXX continues to be in a dispute holding pattern. Again, PNC has denied the dispute as valid and then proceeded to withdraw all money in my sons newly issued account and the rest from my savings account. This now leaves my son penniless at college, 5 hours from home! In all, PNC has now taken over {$3000.00} dollars from our accounts. The majority of these dollars represent my sons graduation money and the few dollars of hard earned pay from XXXX XXXX. Again, I have filed another dispute for these 3 {$1000.00} XXXX fraudulent transfers this time with a representative located at a busier PNC branch. This representative was dumbfounded by the fraud denials stating to me that this is a classic case. At this point, I have now idea where else to turn. PNC refuses to give out contact information ( phone or email ) to their Fraud Department. A lawyer would mostly likely cost me the same amount, if not more, than what we have already lost. But, what infuriates me, is this is my sons college money. This is what he is to use for books, food, travel, etc. This is gifted money and earned money with a specific intention. PNC had not once reached out ( except via mail ) and one phone call that I demanded. Please help me find a positive resolution. | ||||||
| 03/13/2018 | Yes |
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| To whom it may concern, PNC bank claim number : XXXX. I'm writing this letter corncerning a claim i filed with PNC bank. On XX/XX/2018. I detected that my card was lost and has been used by an unathorized user. I immediately called PNC to file a claim on XX/XX/2018. After I filed a claim, i wasn't awarderd provisional credit after ten days and the bank said I should wait for 30 to 50 days for my claim to be completed. On XXXX XXXX, I called the customer service department again to check whether my check has been mailed because they said it was gone take 15 business days for it to be mailed. They also stated that my claim was valid and permanent credit of $ XXXXwas applied to my card. I also recieve a letter from the mail saying my claim was accepted. On XX/XX/2018, I called back to check whether my check was mailed and they mentioned to me that the escalition departmemt will take care of it within 3 to 5 business days. Furthermore, i ask the customer service rep can I go to the bank to collect and he said yes your funds are available at the bank since the check hasn't been issued. On XX/XX/2018, I went to the PNC at XXXX XXXX Ga XXXX and they said my account was blocked and they couldn't issue any funds to me at the time and I'll have to contact customer service for further details. When i contacted customer service, they transferred me to the fraud department and that's when they stated to me that my claim was approved and the money is in the account, but the account has been blocked, closed, and the funds will be uphold. They stated that the reason my funds were uphold was because I missed used PNC terms.I had never authorize anyone to use my card, and it wasn't my fault that all this transactions where authorized by the bank rather than blocking it. Had I knew somebody had access to my information, i would've called to block it immediately. Unfortunately, I'm having to go back and forward for something I didn't do. It was a couple of transactions and I hadly spend my money like that because I work hard for it. Also, a customer care agent said I could only recieve XXXX out of my claim money, which she cited from the notes she had on file after I left the XXXX branch XXXX ga. I also contacted PNC on Monday XX/XX/2018 and I spoke to a customer care agent whom said my claim was accepted, but it was a mistake. I was so frustrated that I had to request to speak to a supervisor because the information I was getting made no sense. When speaking to the supervisor, I explained all my problems, thats when she put me on hold to check on the notes. After checking the notes, she stated to me that she had sent it to the escalation department with urgency and she couldn't contact them directly because that department only responds by email and they dont have a phone number. She also stated that I could go to the any PNC branch and get the XXXX, when my claim was for XXXX. All this Information I'm stating was on a recorded line when I was speaking to them. I'll also attach a copy of the approved letter | ||||||
| 11/17/2021 | Yes |
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| Dear Sir My son, a student @ XXXX NJ., Had opened an account with PNC bank, XXXX nj. On XX/XX/XXXX he was the victim of a scam from a job recruiter posing for a very reputable bank and who provided him an appointment letter after an interview and a printed check [ emailed ] for XXXX $ for expenses part of which [ XXXX ] was to be paid to a vendor for training material. He deposited the check and the funds appeared which he used to pay off the vendor using XXXX. The next day he was notified that the check was rejected. He called me and In turn I called up the bank and explained the matter to them. The representative told me that these things happen occasionally as she verified the check and issuing party and saw no reason for caution. So my son reached out to his supposed employer and he was emailed another check for the same amount. This process repeated 3 times before he realized that it was a scam. All 3 checks cleared and bounced resulting in an overdraft of XXXX XXXX I went to the bank personally to get some clarification as to how they allowed a student account to go into overdraft, why there are no fraud control in place for incidents like these where an attempt has been made to solicit help as well as why they could not provide guidance or caution when I called the first time. Even on that visit the banker was still not convinced it was a fraud. My sons account was then frozen. On the banks recommendation I made a Complaint with the police @ XXXX providing all the transcripts of the conversation between my son and the fraudsters. I was also asked to provide the same info to PNC bank. I was then contacted by a representative of the bank. I asked for the next steps since my family has suffered great distress and anxiety through this incident. I was told that the bank would get back to me after their investigation and that I should open a new account for my son till then After waiting for 3 weeks without a resolution I open a new account for my son on XX/XX/XXXX depositing XXXX XXXX Yesterday XX/XX/XXXX he called me in a panic at around XXXX and noticed his account was in overdraft for XXXX XXXX Needless to say after a harrowing and painful experience, this was a real panic for us again as we tried to figure what is going on. After many calls, I was able to get a representative this morning [ XX/XX/XXXX ] at XXXX. After explaining everything, she told me that the amount was used to pay off the overdraft on the original account. This is a blatant disregard of trust in the bank and system in general for me as I was given an assurance that I could operate the account for my son who is in a college dorm and needs to have access to funds. I have no clue inspite of visiting the bank today afternoon as there are no Managers or supervisory staff willing to help or provide any guidance. These incidents in its totality from the overdraft facility for students, to the give a XXXX attitude of the bank have left me helpless. Any help or suggestions you provide are helpful Regards XXXX XXXX | ||||||
| 11/25/2021 | Yes |
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| On XX/XX/XXXX I deposited a check into my business account through the Automated Teller Machine, I was informed through the machine that the funds would be made available the next day which was standard.the check was in the amount of over {$9000.00}. This check was significant since it was funds that was withdrawn from my retirement fund intended for the purchase for an important trip I planned for my clients. On XX/XX/XXXX I went into a local branch after I discovered that my check was deposited as expected, then reversed back stating that it was a not an acceptable item. I was shocked to hear that not only was my check already being sent to a different department to be reissued to me but it would be mailed to me due to it having my two last names on the account. I have deposited checks previously to this account with my married last name and previous last name. The last name on the account and the first last name on the check both match and that has never been a problem in the past 3 years that I have had my second last name. I have has my business account since XXXX and I have never had a check that I deposited now be accepted as long as it has XXXX of my last names on it. The banking customer service representative could not tell me why I was not contacted and given other options to prove my identity if there was a concern of who the account holder actually is. I needed the funds on XX/XX/XXXX and on this date XX/XX/XXXX I still do not have my funds and have had to cancel the trip that these funds were intended to pay for. I requested that this situation be escalated so that it be resolved as soon as possible and she contacted her manager, who informed her that someone would reach out to me within XXXX hours. The branch representative informed me that I would receive a legal copy of my check in the mail. I did not receive a call within XXXX hours but within XXXX hours. The phone call did not result in me getting access to my funds in a timely matter which was my only and original desire which is why I deposited the check into the account. It has been 6 days and I have yet to receive the physical check and my bank account has been overdrawn. I lost money that I prepaid for the trip that had to be cancelled and now have clients that are choosing to end their relationship with me due to " lack of professionalism '' regarding the trip that had to be cancelled. The bank manager that called me XXXX hours after I filed my " complaint '' informed me that the check was reissued and mailed on XX/XX/XXXX. With the current stated of the mail crisis due to the national pandemic, in addition to this being the week of XXXX, it was not a surprise when I did not receive my check in the XXXX business days that it usually takes for a check that is mailed. I had to borrow funds in an attempt to maintain my bank account from falling below XXXX while I waited to receive my check back, yet did not fathom the idea that it would take XXXX or more days to have my check back in my possession. I desire | ||||||
| 08/31/2017 | Yes |
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| I would like to submit a complaint against PNC Bank, N.A. regarding application, closing and disbursement issues for a home equity loan of credit product that I recently consummated. First, regarding my application processing, I originally applied for this loan on XXXX XXXX, XXXX. All information requested by underwriting was provided by XXXX XXXX, XXXX. An appraisal was conducted on my property on XXXX XXXX, XXXX. An approval decision regarding my application was not received until XXXX XXXX, XXXX due to numerous processing delays which very little or no reason was given. Issue 1 - A request for increased homeowner 's insurance coverage in the amount of {$650000.00} was received on XXXX XXXX, XXXX. At the time, this amount appeared excessive however, in order to close on the transaction as soon as possible, I increased my coverage. I believe this amount to be excessive, as the full-replacement cost of my property is around {$400000.00}. I am requesting this requirement be reduced accordingly. Issue 2- Bait and switch tactic - At application, the product description provided stated that the HELOC interest rate with be 3.18 % with interest-only payments. At my initial scheduled closing, I was told the rate I had been approved was 3.93 % and interest-only payments would require a rate of almost 6 %! This was a clear deviation from the advertised product and I believe is clearly unfair and deceptive in nature. After several complaints and more delays, I was able to close this loan at 3.43 % with interest only payments. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I believe my experience with this types of transactions allowed my to properly rectify this issue. However, I believe if this was done to the average consumer, PNC Bank could utilize predatory lending tactics to force homeowners into higher interest-rate products due to their limited understanding regarding the complexities of this product. Issue 3 - Disbursement delays - This transaction involved a single disbursement to refinance an existing, {$250000.00} construction loan to a private lender. My closing date for this transaction was on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, the previous loan has still not been paid off. I currently have two outstanding {$250000.00} loans - one to my previous private lender, and one to PNC Bank with interest accruing on BOTH LOANS. I am requesting an immediate credit of any outstanding interest with PNC Bank, immediate disbursement of the original {$250000.00} that was supposed to be paid at closing on XXXX XXXX, XXXX to my previous lender, and PNC Bank be fined and penalized for breaching fiduciary duties relating to properly disbursing fines. Due to these issues, I am also requesting PNC Bank 's mortgage origination practices be throughly examined to investigate any possible predatory lending tactics to ensure conformance with all legal and regulatory requirements and corrective actions are implemented so that consumers will not be harmed by these types of issues. | ||||||
| 08/12/2020 | Yes |
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| I applied for a {$50000.00} HELOC though PNC in order to do repairs to my house. I provided all the information necessary. After a couple weeks I received a letter stating that my financially my loan had been approved based on my income and credit score. At that time all that was pending was confirmation of the security for the HELOC. A few days later I received an email stating that my loan application had been approved. When I called in to schedule the closing I was told for the first time I would have to pay off a private loan in the amount of {$9000.00} ( I was fine with this ) and a student loan in the amount of approximately {$35000.00}, leaving an available credit of {$6000.00}. I was told this was necessary due to my debt to income being over 55 %. I was told due to COVID-19, their regulations had changed and there was no way to go over that amount, even though all parties agreed I could pay the loan as the maximum loan amount was less that the payment on the personal loan. Upon further review, we determined that the student loan payment being used was wrong which was improperly inflating my debt payments per month. PNC was using the contractual payment to determine my payment and not the income based repayment I was paying, as allowed under Federal Law. I provided updated figures showing my payment being made along with statements, and proof of income based repayment application being approved for 2021 and the payment though 2021. After review PNC underwriting refused to accept this information and lower the debt because I have to reapply for the income based repayment every year. I should not be punished because I have income based repayment on my student loans. After PNC refused to re-review I provided proof of additional income via a lease agreement for my roommate. This was provided after discussion with my loan officer who advised that the lease can be submitted as proof of income. I provided the lease per the request of the loan officer. The loan went back to underwriting and was approved again with the same payoff conditions. When I spoke to a loan officer after I was advised that the lease income was used and the underwriter was just refusing to remove the student loan payoff even though my debt to income was now under 50 %. I requested this be escalated as PNC told me it would be removed should by debt to income fall under 50 %. After not receiving a response to my multiple calls or my email or emails over the next day, I finally was able to get a hold of my loan officer. Suddenly the information I was provided the day before was wrong. Even though I was originally informed that the income from the lease was used, I was later notified that the lease was not used because it comes from a single family detached home and not a multiple unit home. I have done everything I can to try and get this resolved with PNC and they have refused to follow their own offers. They also refused to provide the survey via email and lien about a regulation for some odd reason. | ||||||
| 10/22/2018 | Yes |
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| On XX/XX/2018, I entered the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY in order to close a joint CD. I provided the personal banker with the identification needed. She then went to consult with the branch manager. When she returned, she declined my request. When asked why, she told me that the manager had told her that it could not be closed. When asked for a reason, she referred me to the branch manager. My fiance accompanied me to meet with the branch manager ( I had asked she be an advocate in the discussion ). When first asked, the branch manager said that I needed to speak to Miss XXXX, who is my mother and the joint holder on the account. When I asked again why I was not allowed access to my account when I pay the taxes on the interest, I was again referred to speak to my mother first. My fiance then said that it was against federal policy to not allow a joint account holder access to the account, and that she needed to provide a reason for denying the request. The branch manager again stated that I needed to speak to Miss XXXX. I asked why, she denied to explain it to me. My fiance told her she had to at least explain why I was not allowed to have access to my account at the very least, because it was in violation of policies that protect joint account holders, ones that even the bank stated they have when we called in to request what the bank 's policies were on CD accounts. The branch manager then stated that she refused to speak in front of my fiance. I stated I wanted her there, and she said she would not speak with her present because she was not an account holder. My fiance reiterated that this was a violation of an individual 's rights, but walked away so I could speak to the branch manager. Once we had complied, the branch manager offered no explanation as to why I could not access the funds in the joint CD other than I had to speak to " Miss XXXX '' who was the other holder of the CD. I continued to ask why I had to do this but received no additional information. On XX/XX/2018, I contacted the XXXX XXXX branch of PNC Bank to discuss the nature of joint CD accounts. A branch manager explained to me that both parties in a joint account have equal access to that account and do not need the other party to access it. They also confirmed that all accounts were FDIC insured. On XX/XX/2018, I went to the XXXX XXXX XXXX branch of PNC Bank in XXXX XXXX, KY in order to withdraw funds from the CD. I was notified that the account was already closed and was provided the information of the closure. The entire amount of {$59000.00} was removed, and the account fully closed by the other party on the joint CD account on XX/XX/XXXX at the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY. I was later informed by " Miss XXXX, '' via text message on XX/XX/XXXX, that she was given access to view our visit to the bank as recorded on bank cameras. Should any documentation be needed, please contact me, and I will send what I have, such as proof of the closure and my tax documents. | ||||||
| 12/22/2017 | Yes |
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| I have been with PNC Bank for a few years and have never had a complaint until now. PNC has always worked with me to resolve issues that I have had in the past and we always came to a successful resolution. However, On XX/XX/XXXX, PNC allowed a XXXX debit card purchase to come through my account which was not supposed to happen because my account had insufficient funds at that time. I opted out of the overdraft protection for that purpose so that if I did n't have enough money to cover a charge it would n't come through. On XX/XX/XXXX I called PNC to discuss why that happened and the agent could n't tell me why, she just said it should n't have happened and that it was labeled as a recurring charge which is not true because it was a XXXX charge and it 's not something that is recurring from week-to-week or month-to-month. Because if I choose to use the post office instead of XXXX then XXXX ca n't charge me anything. When i contacted PNC on XX/XX/XXXX, although they said they couldnt refund the transaction amount, they did refund my over draft fee that was cause by the transaction ... Now my problem is I 'm being charged {$7.00} per day continuous overdraft even though the charge that came through on XX/XX/XXXX should n't have ever come through. Which is causing my account to become further and further and further overdrafted. And when I contacted PNC they stated that debit card transactions will be rejected if you do n't have enough money in your account ... But now it seems like if it 's labeled as a recurring charge then they will allow it to come through even if it 's your debit card and you do n't have enough money in your account. Who made the determination that this merchant has a recurring charge associated with my bank account ... this is a XXXX shipping account and the amounts due from one month to the next can be different. Whatever I ship that 's was charged If I decided to use them at all ... this is not a revolving credit account ... For the life of me I ca n't understand why Banks look at every possible way that they can find to continue to charge consumers money for things that are beyond the consumers control. And its only hurting the consumers. Because at the end of the day if the bank policy is to not honor a debit card transaction if you have insufficient funds then the bank should stick to that policy especially when the consumer opted out of overdraft protection for the purpose of avoiding this problem. But now it seems that banks are relabeling these transactions just to allow the charge to come through so that they can guarantee excess money from the consumers which is a red flag as far as I 'm concerned.. So in the end it apparently really does n't matter if you opt out of overdraft protection or not because since the government Forced Banks to allow consumers to opt in or out of overdraft protection, I 've been with a few Banks over the years and all of them look for every reason to allow the transactions to come through anyway to justify these fees .... | ||||||
| 09/29/2020 | Yes |
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| on XX/XX/2019 my next door neighbor 's house was on fire, the fire came across the property line and both houses suffered " bad '' fire damage. Both homes are attached by a property line wall - sometimes called 1/2 twin or duplex home. Both of us have the same bank PNC Bank and are required to have insurance to cover the houses if we have a problem. the two houses together have over {$500000.00} worth of insurance. the problem is that PNC bank has not followed through and gotten the repairs done to both houses. I have called and complained and at this point I have started putting comments complaining on PNC advertising. They said they would get back to me but they still have not days later. Over the months I have spent more than 12 hours trying to get the insurance claims office to get work started on the house next door Pnc bank says since I do not own the property they will not give any information. I started some repairs in XXXX when the virus opened up the work field but repairing a house with a " fire pit '' next door is useless. I have had calls from the insurance claims department and they leave a PNC number to call back but it is not the correct department -they are trying to avoid my calls. I am homeless for more than a year - my insurance is running out I need my bills, rent food etc due to the fire paid and Pnc still has not made anyone get the house fixed. I did threaten PNC that I would go to the FDIC and basically they laughed at me. I am not happy that I have to pay my mortgage, insurance, taxes all the expenses as if I live there and the bank - refuses to get the houses fixed. it is not fair -- - how will I pay my bills? and get back into my house? PNC should make sure the buildings are fixed in a timely fashion if they make us buy insurance. Oh they have an insurance claims office and they call me every 25 days and ask what work has been done on my home -- and when I ask about next door they say they can not comment -- - that bank is taking my mortgage money and using it for their investments and they do not help or try to get my home repaired so I can move back in. oh they have said at least 2 times they would investigate and send me information- the information they send me is a list of all the different accounts and things they can do for a customer at PNC nothing that a complaint has been filed and a bank employee will investigate my questions and get back to me they also say I have to submit all information on this complaint if I forgot anything it is because of my age and the fact I am not a lawyer or accountant so you should be open to help me fix my complaint and get my house rebuilt there are so many more statements I should put here about not being able to get my house fixed I am adding this - as I get information - I am in a hotel room being exposed to covid 19 virus and have no file cabinets I have to search for a copy of my PNC bank loaXXXX XXXX my life destroyed - and I do not have any of my memories or furniture and my life will never be the same | ||||||
| 11/30/2016 | Yes |
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| On XXXX XXXX, 2016 I went into PNC Bank. I spoke with the teller and informed her that I was going make a deposit of {$210.00} in form of a check and she stated that {$100.00} would be instantly cleared into my checking account. I had XXXX transactions on this date withdrawn from my account and this was confirmed with the teller. The tellers name was XXXX XXXX. XXXX XXXX confirmed and assured me that it would not exceed over my check amount. I explained to her that I am a XXXX Business Owner and could not afford any NSF charges. She assured me that I would not. Later on that day I used bill pay for {$170.00}. I had {$110.00} in my acct already in which had cleared on that day. On XXXX XXXX, 2016, I went back to the bank and spoke with XXXX XXXX. I ask her for my balance. She stated that I was in the negative and had insufficient funds. I explained everything to her and ask if I could get those charges refunded and pay the cash to make sure that everything would be covered. She stated that I needed to speak with the business manager. I was uspet and demanded an explanation. So I then made a deposit over {$600.00} through form of a check. I was told that I had accrued over XXXX over draft charges overnight. I then ask for the business manager and told her to give me my check back. She stated that she could n't. The whole time on this date I never left the bank. I requested to speak to someone higher than and she referred me to customer service. She stated that I needed to call someone else. This is a business account and my livelihood. I called XXXX different people and everyone said that it 's nothing we can do. I spoke with a XXXX XXXX and she refused to give me any NSF 's charges. I went back into the bank the next day after seeing another NSF charge. I was then told that I was in the program that paid any and all NSF charges even if the funds was n't available. PNC stated that they were authorized to approve any amount that was to come through. The Manager stated that in return they would just charge NSF charges. I never signed any paperwork or anything authorizing PNC Bank to authorize charges if the money was not there and agreeing to NSF 's. At the time I had over {$2000.00} of cash in my pocket to cover all checks. Had I been told each time that my transactions would result in NSF charges or I was enrolled into a program, none of this would of happened. There was a lack of communication on the banks part. The next day the Branch Manager stated that she submitted emails to a higher chain of command to her and reported that she had not heard anything back. Still this day I have n't back from PNC. This is unacceptable behavior and I feel as if PNC is a ripe off. I am a business owner and have rights. I was treated unfairly and was not informed of any program and additional NSF charges. I am a very dissatisfied Business customer. I will definitely be filing another claim with PNC Bank Overdraft Settlement and have discussed these actions with my Attorney. This is unacceptable. | ||||||
| 12/18/2015 | Yes |
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| I spoke with a PNC banker about a home equity line of credit in the middle of XXXX. The banker informed me that during the application process the following would be required for underwriting : the last two years of XXXX, the last two months ' paystubs, the balance of my mortgage, and proof of home owner 's insurance. These requirements mirror the requirements that PNC advertises on its website ( information available at : XXXX last accessed XXXX XXXX, 2015 ). PNC contacted my company ( via a public information submission form on the company website ; I note this is hardly an appropriate way to request financial information on an employee ). An executive at my employer verified my employment ( he provided me with a copy of the form he submitted XXXX. On XXXX XXXX, 2015 I received from my PNC Loan Analyst that my employment status was verified. Per PNC 's published standards, this should have resolved the documentation I would be required to submit to the underwriter. On XXXX XXXX I emailed my Loan Analyst asking for an update on my application. She informed me that the underwriter was requiring that I submit information regarding my equity in my employer. As this asset ( and all assets per PNC 's requirements as stated on their website ) are not required for a Home Equity Line of Credit, I declined to provide this information. I then emailed the Loan Analyst 's supervisor to express my concern about a request that contradicted PNC 's published guidelines. The supervisor wrote back and reiterated that the underwriter was requiring that I submit information about my equity holding. PNC has publicly available content that markets the HELOC in a particular way. I met the standards of documentation per these guidelines and PNC confirmed my employment status. To request information that is not included in published information raises several problems. 1 ) The information advertised on PNC 's website does not match the standards that have been applied to my application during underwriting. Given that I was " sold '' the loan with this information ( in that the information was an incentive to select PNC for its streamlined underwriting process ), the hidden requirement seems to violate Regulations Z and N of the TILA. 2 ) Frankly, my application is being subject to moving standards during underwriting. I received confirmation of my status and, therefore, the standards by which the application should be judged. A month later, a new set of standards is being applied. It is hard to believe that my application is being assessed fairly if PNC 's underwriting is quietly applying new standards when assessing my application. 3 ) I expressed concern about this to a supervisor and the supervisor sided with the underwriter. As such, I can not believe that this shift in standards is a misunderstanding or an error made in good faith. When I raised the concern initially, a separate PNC employee reiterated that I was expected to comply with a request that contradicted published information. | ||||||
| 09/20/2022 | Yes |
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| This is a complaint against PNC Bank and its Mortgage division that handles Home Equity Line of Credit. XX/XX/2022 first interaction with loan officer telling him how I need to get the HELOC quickly so that I can take equity out of my house that I have built after doing a full renovation. I needed to use the money to pay off debts and to complete my house. The rate sheet provided to me was excellent and I was told that the rate that I will get will be based on the rate sheet provided ( and is reflective on the application date ). I was told the loan would take 30-45 days to close. XX/XX/2022 is when I submitted my documents to start the HELOC documents for my primary residence. XX/XX/2022 the loan officer asked if I had a coapplicant ( via text, so is available in writing ). My simple answer was " no. '' I am married but my wife has a clear credit with no debts and I did not want to have her credit pulled nor this loan to appear on her credit. Month of XXXX, Underwriter kept throwing the file out ( as I was told, never saw this ) because apparently I didn't have enough trade lines. I have a near perfect credit score with over 10 credit lines so I don't know whose file were they actually reviewing. By early XXXX, my wife was brought up as a coapplicant in one of the emails. I sent a signed letter back on XX/XX/XXXX that my wife is not a coapplicant and there is no reason to ask for her information. ( They had pulled her information from the joint tax returns that we file. ) By mid XXXX, we still did not have any resolution. In XXXX, the loan officer said that the underwriter will not clear the file until my wife 's address was proven to be the subject property. I asked again why does that matter? she is not on the loan, not on the title, or deed. I was told this is PNC process and even though she is not on the loan, I need the information. I provided one document then they needed another. So by XX/XX/XXXX, I provided what they wanted for my wife 's address although it didn't make sense as I am a loan officer of 3 years that has closed over 50 loans and I have never had to ask for a non-applicant 's information. But I complied as I was assured my wife was not on the application and her credit was not pulled. On XX/XX/XXXX, the loan officer called to say the loan has been approved but he made an error in the initial submission and put my wife as a joint credit applicant and so the only way to close this file is if both of us are on the loan otherwise we'll have to start again. At this point, we were 3 months in the process, rates have changed completely, my wife 's credit had been pulled without authorization, due to the long wait, I had to forego many opportunities, and had to take more debt to offset the balance of the loans putting my business credit on hold due to an undefined never-ending loan that would not allow me to borrow on other lines. The time lost can never be returned. Neither can the financial problems that I had to bear through this process. | ||||||
| 12/08/2019 | Yes |
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Web | Servicemember |
| I have been banking with PNC Bank since I was XXXX years old well before it became PNC bank. A few months ago I received a email asking me if I would like to be a XXXX XXXX for XXXX I responded and within a few days I received a cashiers check from XXXX. I immediately took the check to PNC bank & asked the teller was the check good she looked over the check and stepped away for a moment came back and said the check was good I even asked her if the check was returned would I have any issues she said no the check is good. There was a total of 5 checks after a week I was notified that a check had been returned I went into PNC immediately I spoke with the bank manager she told me( Jane Doe) that PNC would not be held liable at all and that I would be responsible for all bank fees and all returned checks & maybe next time I will make better choices... My account had XXXX from my deceased father and XXXX from saved child support to go towards my daughters college which I save a portion every month she is supposed to attend college next fall which is next year and I had a few more dollars that was supposed to go to the rest of my bills for the rest of the month I am a XXXX vet on very limited income. PNC placed a hold on my bank account they didn't give me the option to make any payments I was left with nothing not even enough gas money to get back home. I returned to the bank again to try and get some type of help with the loss of all my money when I entered the bank one of the teller's was leaving and squeezed my arm and said sorry to hear about your financial loss.... Once I reached the actual teller for assistance she already knew my name and went on to tell me that PNC usually puts a hold on out of state checks and nonlocal bank checks. I asked the bank manager why didn't they do this for me she once again she became rude and said to me( Jane Doe) that maybe next time you will make better choices when it comes to your finances and you should of known better. I am out of a total of a little over $XXXX. It seems as though every person that works at PNC in XXXX NC knew everything that has happened to me confidentiality is definitely not at this location. I was preparing for me and my daughter's future if I would of know I was being scammed I wouldn't not have cashed the first check. I have also filed a police report which the bank instructed me to do but that has not been able to track down who sent the email or the cashiers checks. So I even asked the bank manager who is PNC really helping themselves or there customers because apparently they could care less about there customers. I was contacted by mail form the head bank In Pennsylvania which was just to acknowledge that the PNC bank in XXXX NC had received my letter and complaint. I have never in my life been treated so rude I felt like I was completely discriminated due to me being a XXXX vet and other reasons. I have also contacted the XXXX XXXX XXXX on XX/XX/2019, PNC has failed to respond to them. | ||||||
| 06/28/2016 | Yes |
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| In XXXX I opened up a line of credit with PNC Bank in the amount of {$50000.00}. In XXXX, PNC bank decided to force me to close out my line of credit and that I had to pay off the loan balance otherwise they would foreclose my collateral real estate holding. My credit was not very good since I just got out of a bad business where I was using the line of credit to operate a failing business. PNC bank knew I was in trouble with my business and they will no longer wanted to keep the line of credit opened. I told them that I only had another six to twelve months on a fraud legal case and that if I settle I could pay off the line of credit. I asked them to leave the line of credit as current as I was willing to pay the interests and some principle until the court case is either settle or complete. However, PNC bank insisted that I must move it to a mortgage type loan and that they would charge me pre-payment penalty if I did settle with the other party and payoff the loan before mature date XXXX/XXXX/XXXX. I told them that I did not want to open a new loan with pre-payment penalty knowing that I would have the funds to pay off the loan once I settle with the court case. However, PNC bank said that if I did not have the funds to pay off the line of credit that I would lose my Real Estate collateral and that I must apply for the new loan and pay the pre payment penalty. I had a very lengthy discussion with the loan officer at PNC bank about the new loan PNC wanted me to do. Therefore, PNC Bank had not really giving me any choice but to sign the line of credit into a loan with pre payment penalty. On XXXX XXXX, XXXX, I was able to pay the loan off with the settlement money. I paid {$38000.00} leaving a balance of around {$3000.00} to pay off. PNC bank was still enforcing me to pay the pre-payment penalty after I told them that I was not employed and money was tight. On XXXX XXXX, XXXX, I was working with XXXX XXXX an executive Client Relations Specialist to try and help me with my situation. I asked her if they could eliminate or reduce the pre-payment penalty and that I could pay off the loan completely since I currently do not have a job and money is very tight. She said there was nothing she could do to remove or reduce the pre-payment penalty. On XXXX XXXX, XXXX, they have send me a letter demanding that I pay them the pre-payment penalty otherwise they will either foreclose on the collateral or place a lien on the property. I believed that PNC bank knew my situation and basically forced me into moving the line of credit into a loan that has pre-payment penalty knowing that I would settle my court case to pay off the loan or if I did not settle, they would foreclose on the property. I believe this is unfair since they also knew that I was financially in trouble and my credit was not very good to get a standard loan to payoff my line of credit. They knew I was cornered and that I had no choice but to get into a loan where they forced me to pay the pre-payment penalty. | ||||||
| 12/14/2022 | Yes |
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Web | Servicemember |
| On or around XX/XX/XXXX I went to the local PNC branch ( XXXX XXXX zip code XXXX ) to sign docs for a HELOC. During the signing process the loan representative noticed a minor error which she assured me would be corrected. The error was in reference to withdrawing the money entirely to the checking account I was also opening that day. Nevertheless, I had no plans to immediately withdraw the loan in part bc the package offered by PNC allowed me to have the money locked ( although with a variable rate ) until I was ready to use it, paying only an annual fee of {$50.00}. Much to my surprise however, in XXXX I received an statement with a monthly payment and loan interest to be paid- the funds had automatically being moved into the checking account. In other words the matter noticed during closing was not corrected. I called the local branch to no avail as the branch does not regularly answers the phone. I proceeded to call XXXX housed at PNC in PA who worked on the loan approval and docs submission with me. XXXX stated the system showed I signed the doc to have the money withdraw automatically and no correction of such in the system. She submitted a complaint on my behalf and guided me on returning the money from the checking back into the HELOC account ( process was a bit difficult requiring two transfers etc ) and we both assumed everything would be resolved. The bank system however charged the loan amount and interest from my check account regardless, leaving it with less than {$500.00}, which is the minimum required not to pay fees for low checking account funds loan. As if this error was not enough, the system generated a XXXX statement requiring payment of an additional interest. The local branch does not answer the phone ( I wanted to reach out to a manager or the two ladies present at closing ), with that I spoke with the general XXXX for PNC on XX/XX/XXXX, a case was created and I was told to wait for a case manager to contact me. This however is yet to happen. Meanwhile, I continued to try to reach the local branch. Yesterday, XX/XX/XXXX in one of my numerous attempts a branch staff answered and assured me, XXXX, the local branch representative present at the closing, would return my call once she arrived at the branch. The call never occurred. I have attempted to contact the local branch again this morning to no avail. I would gladly close this loan and attempt to work with a more reliable and customer focused bank loan as this aggravation is not worth my time and money. However I would incur a penalty of over {$1000.00} for closing the loan. In other other words, PNC makes a mistake, it is not swift in correcting, makes it difficult to have the matter resolved and while in this convoluted process continues to benefit from having the loan amount which was not withdrawn plus the interest it continues to charge me. Leaving me with no recurse, but to file an oversight report. A prompt resolution to this matter would be greatly appreciated XXXX | ||||||
| 06/21/2019 | Yes |
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| My husband and I are being harassed by PNC Banks Mortgage Department. Initially, this was over a property tax bill that was due XX/XX/2019. Although we consistently pay our property taxes early or by the XX/XX/XXXXof the month due, that payment was made on the XX/XX/XXXXand cleared on the XX/XX/XXXXWELL WITHIN the XXXX XXXX XXXX XXXX 10 day grace period. This occurred because my XXXX mom had become ill and was ultimately hospitalized with double XXXX. Despite flying to Florida in a panic to be by her side, I still managed to pay my property taxes on-time ( according to my Town ) and even remembered to add the {$8.00} addt school tax that was added after the XX/XX/XXXXelection. The first letter we received from PNC Bank was dated XX/XX/XXXX. It stated there may be delinquent taxes on our property and warned us that unless our taxes were brought current, PNC had the right to create a mandatory escrow account for us that would then remain in effect for the life of the loan. I immediately called PNC, then our Towns Tax Office and was told we had a XXXX balance due and were never delinquent. I assumed all was good, until we received a second notice dated XX/XX/2019. This document stated we had an outstanding a balance of {$8.00}. ( The {$8.00} additional tax bill PLUS interest ) and that it had to be paid off immediately to avoid an escrow account being establish on our behalf. I immediately called the XXXX XXXX XXXX Tax Office again. I was told although my regular tax bill cleared on time, I had forgotten to include the {$8.00} that quarter. However, because the XXXX XXXX residents were unaccustomed to adding the extra tax bill and because it was such a small amount, our tax office had written off that amount. Once again, I was told we had a XXXX balance due. On XX/XX/XXXX I went to speak my local PNC Bank Manager, XXXX XXXX in XXXX, NJ. He made copies of my paperwork and assured me that I would hear from his Supervisor, XXXX within 48 hours. I left my cell phone number because I always have my phone with me and I did not want to miss her call. Its been 8 days and I have not heard a word. I called the XXXX Branch again this morning, leaving a message for the Bank Manager. Despite being told he would be given the message within 15 minutes, that was at least 4 hours ago and Im still waiting for a call back. I deposited money money in PNC and decided to move our mortgage in part because I believed they were a different hometown type bank that really cared about the people who banked with them. Ive lost tremendous faith in this bank over the harassment we had to deal with. They appear to be using any excuse possible ( even if not valid ) to force an escrow account on us. We pay over {$9000.00} a year in interest to this bank for our mortgage. We pay our mortgage payments and property taxes on time yet they are harassing us ... first over a few days ( even though our town allows 10 days ) and then over {$8.00} ( even though our town 's tax office we do not even owe ). | ||||||
| 04/29/2023 | Yes |
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Web | Older American |
| Hello. PNC bank had not credited me with the correct appropriate interest amount for 21/2 years ( from present going back about 2 1/2 years before ). BACKGROUND INFO -- -- -I had my account first opened at XXXX XXXX and had subsequently moved to XXXX XXXX I had notified the bank of my change of home address before I had physically moved from XXXX. to XXXX about 2 1/2 years ago. The bank only changed my billing address ( when they send letters/ notices/ etc ), BUT NOT my complete IT personal profile which should have included my entire banking computer record that would reflect whatever my official new state of residence banking structure/ system should be ( including the interest rate for the state of my new residence should be ). During those 2 1/2 years, the interest rate that they are/ were paying the XXXX residents is much much lower than what they're paying the XXXX residents ( even up to the present time ) -- - huge huge difference -- - for XXXX it was just about 0.01 % -0.025 % and for XXXX, it is about 4.5 %! The bank didn't even notify me of such huge rate difference between the two states during that entire time period even after I notified them of my residence state change. Neither did the bank let me know that they didn't change my complete internal IT customer profile system that would entitle me to the higher XXXX state interest rating structure. Therefore, I was cheated out of significant interest amount that I should be earning for that 2 1/2 years -- ie, the much lower XXXX interest rate ( versus the higher XXXX rate that was I supposed to be credited with during that 2 1/2 years ) on a significant sum of money deposited in my bank accounts there ( high XXXX of deposit money ). Since the bank did not change my computer profile to XXXX state for that period of time ( even after I had notified them of the change of my residence state in the prior 2 1/2 years time period ( -- - the evidence is very clear-cut because the bank had mailed materials to my XXXX state residence during that time period ). I was credited with the low low interest rate of XXXX. state during that 2 1/2 time period ( up to just 3 weeks ago when I realized this injustice committed by the bank by visiting a local bank branch here in XXXX XXXX.did they allude to me the truth ). I had complained personally ( about 3 weeks ago ) to the XXXX branch office ( XXXX XXXX, in XXXX XXXX -- XXXX XXXX XXXX -- supposedly manager ) and had also complained to the corporate HQ Executive Client Relation Department ( XXXX XXXX XXXX -- supposedly the highest level personnel in that department, as I was told ; ; plus some other lower level employees also, of which I have a record of all their names and the time and dates of my conversation with them ) to no avail, in spite of spending almost 14 hours of my time in explaining & presenting all these facts/ evidences to those people involved in this situation. CFPB -- - Please help in resolving this issue. Much appreciated. XXXX XXXX | ||||||
| 05/11/2018 | Yes |
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| This is FORTH complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated. Response from the third complaint resulted in a call which I returned and then they once again did not return the call. Now I am receiving notices that they are using money from escrow to cover regular payments, however, the issue has been they say I owe more to cover escrow. My regular payments should not change. In addition per the attached, my homeowners is being paid on my own ... see page 6..ESCROW NO. In addition to me paying my own insurance, taxes dropped. If they would listen and calculate the escrow based on facts that insurance being paid on my own, taxes decreased due to homestead and prove of increased value, PMI should be removed and no escrow should exist. In addition, they state they had to pay for the appraisal, however, the fact is they charge the consumer and I was able to negotiate under the {$500.00} PNC charges. | ||||||
| 09/21/2023 | Yes |
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| An account users debit card was stolen. We immediately reported the issue to PNC and went to the XXXX XXXX XXXX in XXXX ALfor a replacement card. The young was very nice but in the process of replacing the card the wrong account was attached. I returned to the branch the following day requesting that the setup of the card be reviewed because transactions were posting on the both accounts. I pointed a hotel charge and advised which account it should post. The associate could not figure out why the item was showing on both accounts. She said she would have her manager give me a call. She went on the say that the issue with the card had been resolved. Despite her efforts, the card issue remained unresolved and daily expenses and travel expenses were being debited from the operating account not the secondary account. I then called the toll free customer service line to escalate the matter. I called them 3 or 4 times on several days and was told that they could see mo issue with the card. The card then worked for purchases but not at the ATM. Each time we were reassured that the card was only connected to the secondary account and not the operating account. We stopped seeing transactions on the operating account and so we thought what we were being told was accurate. We never received a call back from the local manager to discuss the charges that posted to the wrong account so we were reluctant to make deposits. We were monitoring the accounts for the appropriate adjustments to be made so that we could begin to use the account again. Not only did PNC Bank fail to make the adjustment, they determined that we were not worth banking and decided to initiate the close of our operating account. At the point that the closure was done, the card that was never to be connected with the operating account was closed too. They were dishonest stating that the card was no longer connected to the operating account when in fact it was. Its disturbing that a so called reputable institution was unable to replace a simple debit card and no one took the time to look at all facets of our requests and concerns. I spent a total of 6 hours on the road going to and from the closest branch ( 4 visits ) and at least 7 hours on multiple calls working with people who could not resolve the issue. We are incredibly dissatisfied that they failed to make the appropriate adjustment because of their bankers mistake or systems malfunction. That coupled with service providers that dont care of enough to return a call. It is concerning that they had time to review the account to determine closure but they didnt have time to review the account to address the situation they caused. I have requested that they review the decision. I was given to a voicemail and told they may not call back. Im certainly accustomed to them not calling back and not following through. We are not new clients. Were account owners before PNC merged with RBC. Of course none of that matters. PNC is not what it used to be. | ||||||
| 11/10/2021 | Yes |
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| I received a call from pnc XXXX XXXX on XX/XX/XXXX roughly asking me if I had made a charge to XXXX for {$980.00} and I immediately responded stating I didnt authorize or Make this charge and I then was escalated to a associate who waited while I searched for my card and realized it was gone. He cancelled it snd issued me a new card but said I couldnt it proceed with disputing this transaction until it posts. Which was insane to me, whats purpose of the fraud phone call If it doesnt stop the charge in first place? Mind u, I have waited over a year for my stimulus arguing with government and finally got it for {$1400.00} this same day XXXX. The money posted on XX/XX/XXXX and I immediately called back Pnc and placed a dispute. I do not have XXXX XXXX in home but do have the cell phones still but never ever allow any company besides XXXX to charge my card monthly without me seeing the statement first etc. for this reason in particular. So there has been charges to XXXX XXXX in past for much much less of course maybe $ 200 monthly for our phones total. I waited 10 days and called back a 3rd time to check status and I panicked bc no provisional credit was given back to me and I had to pay rent but couldnt now. Im unemployed and survive off my husbands pay with XXXX kids. I was informed bc I called them..my claim was denied bc something to do with a past pattern of charges to them. They claimed my card number and security code snd address all matched. I dont know if the purchase was made online or in store bc no one told me anything I didnt receive anything written from bank nor did I receive a provisional credit. I am under duress like going through an extreme hardship right now so I started crying and told them to dispute it again. Why would I ever ever try to cancel the charge while it was processing from day 1 if I had made it somehow? The lady was rude and I said my Money is supposed to be insured or protected and nowhere did I now feel like my funds are safe with them after having banked with them nearly 5 years now. I desperately need my money back while they complete a real investigation they couldnt tell me what steps they took to investigate the situation at all and basically decided for me making me feel like a liar. She said I wont get a provisional when I asked for it and couldnt tell me why Im not entitled to one when nearly every dispute allows it. I need help someone to actually find out what happened here and make it right. I cant pay rent and I was waiting on that stimulus forever only for some random company to take 3/4 of as soon as my deposit hit the back how the XXXX did they know the money was going to be avail like that in order to take it so fast? Im so suspicious now if they were alerted to the deposit or what but something isnt right. Whether Ive shopped there or not in the past isnt enough of an investigation for them to stonewall me and say whelp thanks for 5 years of banking loyally with us but ur screwed. Can you please help me???? | ||||||
| 09/13/2018 | Yes |
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| On XX/XX/XXXX I ordered parts from an online merchant, XXXX, based in North Carolina, USA. The total charged to my card was {$180.00}, which included a {$40.00} charge for overnight shipping. I received an automatically generated confirmation email from the merchant within 5 minutes of my order. On XX/XX/XXXX, I called XXXX and left a message asking for information when the merchandise would be shipped out. I received no response. On XX/XX/XXXX, the {$180.00} transaction posted to my PNC account. I also sent an email to XXXX requesting information. On XX/XX/XXXX, I sent a message through XXXX to XXXX as I could not find any other means to contact them beyond mailing a letter. I received a generic, automatically generated reply. On XX/XX/XXXX, I contacted PNC via telephone to dispute the {$180.00} transaction. On XX/XX/XXXX, I received a provisional credit for {$180.00} to my account. I received the initial request for information via mail, filled it out with the history behind my attempts to contact the merchant. I signed and faxed the reply to PNC the same day I received it. I believe this was around the XX/XX/XXXX. I did not receive any other communication from PNC until XX/XX/XXXX. On XX/XX/XXXX, I received a request from PNC, dated from XX/XX/XXXX to clarify the information regarding the date and the exact merchandise I expected to receive from the merchant. I faxed a reply on XX/XX/XXXX with this typed statement : " The merchandise I purchased from the merchant, XXXX, consisted of six ( 6 ) XXXX XXXX XXXX XXXX ( XXXX ). I have received no communication from the merchant that indicated when or even if my item would be shipped, much less when I would receive it. Despite trying to ascertain this information by reaching out to the merchant more than 4 times through voice and electronic messages, I never learned if the merchandise had even been shipped. At this point, 3+ months after the transaction I have received absolutely no communication or logical reason to believe I will ever receive the merchandise that I paid for. '' On XX/XX/XXXX, the provisional credit of {$180.00} was reversed without notification or warning. I only discovered it today when going back through my records. The last communication I received from PNC was the written request for additional information on XX/XX/XXXX. I did not receive a notice that they considered the dispute resolved or I wouldve picked up the phone and called them immediately and initiated a XXXX chargeback if they were still in disagreement. Because of PNCs failure to notify me or perform their due diligence I no longer have the option to initiate a chargeback thus I am initiating this consumer complaint. I also have doubts that PNC even attempted to contact the merchant and I am very curious as to PNC 's reasoning for reversing the provisional credit. I am assuming they believe the dispute is resolved but I don't know considering I received no final notification or findings from their investigation. | ||||||
| 11/06/2016 | Yes |
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Web | Older American |
| SUBJECT : Fraudulent Transactions - CRISS reference # XXXX Reference is made to the attached letter dated XX/XX/2015. PNC advises that after a careful review of the documentation available and information provided by us, that the transactions were authorized and the merchandise or service requested using our card was received. Therefore, the claim was denied. I spoke to a PNC Representative at XXXX on XX/XX/2015 and informed her that we had not received the merchandise or in this case, the proceeds of the loan request from XXXX. I also advised the PNC Representative that we would be formally submitting a written appeal to this denial to the address noted on the XX/XX/2015 letter from PNC. The Representative also noted that she would place a note in our file that we were contesting the initial determination made by PNC. At the very mimimum, PNC should credit our account with {$580.00} given that I had advised PNC on XX/XX/2015, that my wife and I believed that the multiple transactions were based on fraud carried out by XXXX. The final transaction of {$580.00} was still in a pending status on XX/XX/2015. Please see my attached log of all e-mail transactions sent to PNC Bank and their responses. In particular, please note the following e-mail sent to PNC : Read Message Message List Send A Message Message Detail Subject : StopPayment Date : XX/XX/2015 Message : The following debit withdrawals were made friday. I now believe that this was a loan scam that I fell for. Is there anything I can do to void these tranactions? It involved XXXX for a loan. I was required to send these three transactions to cover insurance, processing fees and to increase my credit score. The loan company is not willing to refund my payments. XX/XX/2015 POS PURCHASE XXXX XXXX MD {$410.00} XX/XX/2015 POS PURCHASE XXXX XXXX MD {$710.00} {$470.00} 1 XX/XX/2015 POS PURCHASE XXXX XXXX MD {$370.00} {$1100.00} To assist in your review, I have included the following supporting documents : 1. PNC letter dated XX/XX/2015 ; 2. Summary Overview of the Fraud Matter ; 3. E-mail log providing our requests and PNC responses ; 4. XXXX Sheriff 's office IdentifyFraud/Theft report ; 5. Complaint Referral Form to FBI Internet Crime Complaint Center ; 6. PNC Bank Statements reflecting all the fraudulent transactions, including the pending status of {$580.00} on XX/XX/2015 which occurred after our e-mail notification to PNC on XX/XX/2015 ; and 7. Copies of all of the wire transfers to XXXX. Your review and reconsideration of our request to have all the monies restored to our account is urgently requested. And at the very minimum, the last transaction of {$580.00} should be credited back to our account based on the e-mail advisement we sent on XX/XX/2015 stating that the funds sent to XXXX were based on a fraudulent scheme by that company. Your re-evaluation and reconsideration will be most appreciated. If you require additional information, I can be reached at XXXX or by e-mail at XXXX Attachments | ||||||
| 01/11/2017 | Yes |
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| So I have a credit card account with PNC bank. I opened it and was working perfectly. I paid off the balance basically weekly. They then sent me a promotion for zero percent interest. I took them up on the offer and did a {$7200.00} balance transfer where I was charged 2 % balance transfer fee. The balance was to be charged 0 % interest through XXXX/XXXX/XXXX. That was all great the first statement came and now interest and I paid off the balance. Then I used the card for regular purchases and paid off the amount. I always paid more than I spent. So the following month I was surprized to see a {$1.00}, I complained and they promptly removed it saying was cause I continued to use the card. That did n't make any sense as the whole credit card concept is that they make money by paying the places you use the credit card less than the establishment actually charged the credit card holder, but then requiring the credit card holder to pay the full amount and as long as you pay off statemetns in full their is not charge. As I had a zero percent interest balance I wanted to pay the minimum needed to avoid interest but maximize the amount of balance carrying zero percent interest. I had accidentally made XXXX payments in XXXX that one of the customer service representatives discussed with me, but ultimately failed to complete transfering back to me the extra payment, so I called in again and was completed on XXXX. Then when my statement was cut on XXXX/XXXX/XXXX their was a charge for {$4.00} in interest. I called and raised XXXX and cited my understanding of the consumer protection laws around credit card and PNC just locked up and would not assist me anymore saying they would just have someone call me or send me a letter in 10 days. I just want someone to credit me back my {$4.00} and help me determine exact minimum payment to pay and avoid interest going forward. Now that they wo n't help me I risk accrusing other interest. To try and avoid and remembering that the lady had said I had a non promotional balance of {$50.00} something dollars I went ahead and added {$60.00} to the minimum payment they say is due in XXXX ( {$170.00} ) and made the {$230.00} payment today to attempt and avoid additional interest charges but this lack of customer service is infact causing me to overpay and thus not reap the full benefit of the zero percent interest promotion I tried to sign up for. I am very disappointed in this service and lack of understanding of their product as far as customer service that I have received from PNC bank. I believe they should credit me my {$4.00} and the interest at their credit card rate + principal on the overpament overpayment was. I am just frustrated that they ca n't give me clear and concise information. I am likely more advanced than their typical client ( own XXXX properties, XXXX USD net worth, etc ) and if I am having trouble getting a straight answer from them expect their less sofisticated clients are even getting worse treatment. | ||||||
| 05/03/2017 | Yes |
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| I am the court appointed guardian for my mother, XXXX XXXX . She is elderly and suffers from XXXX XXXX . It is not possible to communicate with her. She maintained a checking account, retirement savings accounts and a credit card at PNC Bank ( or one of its predecessors in XXXX , Illinois ) for many years. It took several attempts to get ahold of the rig ht PNC point of contact but the guardianship was finally established for the checking and retirement ac counts. I make all of mom 's financial decisions and I pay her bills from the checking account. I mistakenly assumed that the guardianship had been added to the credit card. Mom resides in a XXXX XXXX ap proximatel y 1,000 miles fro m where I live. My sister lives near our mother and has physical possession of the card. She uses the credit card occasionally to purchase clothing, personal care products, etc. for our mother. I receive the bill for the credit card at my home address and pay the balance due from mom 's checking account. Overall, the arrangement had been working very well. On XXXX XXXX , 2017 I contacted the XXXX number for the credit card and tried to obtain more information about the reward poin ts ( 40,000 + ) mom had accumulated over the years. I would like to use the points for clothing and other items for her. I also wanted to " link '' the card to the PNC website which I regularly use for the checking and retirement savings accounts. I was informed by XXXX XXXX that she could not provide me with any information about the account and I should contact a branch office. On XXXX XXXX , 2017 I met with XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX D.C. XXXX seemed to understand the situation and faxed the court documents to the credit card department. She said to allow up to one week for the guardianship to be added to the account and then I could attempt to link the card to my online banking as well as obtain rewards information. Two days later I received letters that the credit card was closed in order to " protect the cardholder. '' I took copies of the letters back to XXXX XXXX office on XXXX XXXX , 2017 and asked XXXX to contact the credit card department for clarification. She contacted me later in the day and informed me that the credit card department 's decision was unchanged. XXXX informed me that I could directly contact XXXX XXXX at customer service. I told XXXX that contacting the XXXX number at PNC and explaining the guardianship situation has NEVER worked for any of the accounts involved here. I have always had to go into a branch office with my identification, copies of the court document, copies of the correspondence or transaction that was in question, etc. and together the branch employee and I could call the other PNC office. I asked XXXX to let me know when I could come into her office and together we could call the credit card department but I have heard nothing since. | ||||||
| 10/11/2021 | Yes |
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| Around XXXX of XXXX I found out that I had been a victim of identity theft at my PNC bank regarding my Student checking and savings accounts. I shared these accounts with my mother because she opened these for me when I was a minor. After speaking with a branch manager in XXXX, OH, to our surprise, we found out that there were multiple deposits made into my account ranging from {$1000.00} to {$15000.00} all coming from The Illinois Department of Employment Security ( IDES ). I currently and have always lived in Ohio and have no knowledge of these transactions. We were informed that these deposits started in XXXX of XXXX. I was unaware of these because I am a XXXX XXXX XXXX XXXX XXXX and I was not working at the time, so I had no reason to regularly check my bank accounts. The unknown person that stole my identity and account information used my name somehow to receive unemployment and have it deposited to my PNC checking and savings accounts. These were NOT my deposits and I had nothing to do with it. The unknown person also, transferred the money from my PNC accounts into another unknown account that was not mine. The branch manager informed me that there was an ongoing investigation. So She advised that I opened another checking account because we said we would not be using the fraudulent account anymore. I withdrew my {$100.00} that was actually mine and left the fraudulent account alone. The branch manager said she would follow-up to see if she could find anything out about the investigation and someone should be in touch with me. She also put in a dispute for me on all of the charges. Some of those disputes came back as denied stating that and error did not occur because the transfers to the unknown bank account had already processed. In the meantime, months passed by and I followed up with the manager every now and then, but they were still investigating. In XXXX Is when I finally received a letter from PNC stating that my account along with my mother 's additional PNC accounts had all been closed. There was no reason giving at first, but after speaking with the branch manager again she informed us that this is typical of how PNC conducts its business. They disassociate themselves from the customer and any fraudulent accounts. I also received another letter stating that I owed over {$6000.00} of debt for the fraudulent account. They closed the fraudulent account and they also closed my 2nd student PNC accounts that I opened after the fraudulent activity. I had a balance of over $ 500+ in that account and that money was taken without permission and applied to the balance of my fraudulent account. I was also told by the branch manager that a charge off would go to me and my mothers credit report, which is ridiculous for something that we do not cause. Me and my mom have called PNC numerous times and have been given multiple numbers to try and get this resolved. Only ending up with no one knowing the answer and sending us in circles. | ||||||
| 03/09/2020 | Yes |
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| My mother passed away in XXXX of XXXX. I went to the bank with my mother after my father passed away in XXXX of XXXX so that I could be added to her checking and savings account. I managed my mother 's finances for several of the years following my father 's death ( I wrote checks, made deposits etc. ) and was never advised that I was not on the account. After my mother 's passing and all of her bills were paid, there was XXXX left in her checking account. I attempted to close this account at two different branches. The first branch ( XXXX, OH ) told me I could not close the account because I was not on the account. I had my mother 's death certificate with me. I couple of months later I received a notice from the bank that the account was going to start to be hit with fees. I then went to the XXXX OH branch where they told me I had to make an appointment to close out this account. I went back a couple of days later and met with an associate and I explained the situation and I provided my mother 's death 's certificate. The associate told me she would contact me if there were any issue with closing the account. I heard nothing. After that date my mother 's statement came with DECD after her name but the account was still open ( with XXXX in it )! In XXXX a {$3.00} Check Images Statement Fee was assessed to the account and funds were transferred from somewhere??? to cover the fees. Additional fees were assessed in XXXX. Around XX/XX/XXXX I received a statement for XXXX where I saw all of these transactions. I then called their customer service line and was told that the transfer was coming from a Line of Credit which was actually an overdraft protection account. At that time the agent advised me that I was on the overdraft protection account but not on the checking account. How is that even possible???? The agent then told me, I had to send a letter to a different department ( Channel Services-Notice of Death Team ) to close the account. She also told me that there was a copy of my mother 's death certificate on file. I mailed this letter in XXXX of XXXX. I was also advised that the Line of Credit statement was being mailed to an address that I lived at over 7 years ago. I never received any contact or letter back from the bank after I sent the letter. In XXXX I received a late notice and a threatening collection letter from the bank for the overdraft account. I called the collection department and was advised flat out that they could not help me. He said he has no idea why anyone would tell me to send a letter because an account can only be closed at a branch. I refuse to make another trip the the branches as they show absolutely no interest in closing out accounts!! I have wasted hours of time to get this account with XXXX XXXX left in it closed. It's ridiculous. My final straw was this week when I Late payment was added to my credit report by the bank!! My credit score was well over 800 and now it is not. This must be corrected ASAP. | ||||||
| 01/24/2022 | Yes |
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| We thought everything was resolved with PNC, only PNC did not follow through or do anything they said they would do! They did not send us a copy of their previous resolution, ( that they posted to you ) did not send us a XXXX packet so we would have something in writing about when payments would begin again, etc. We signed documentation on XX/XX/XXXX, emailed it to them XXXX XXXX XXXX said they received it.She was leaving that day and said that was all she needed. I asked if they also needed it mailed. I was told no and that they would send us XXXX tracking info with everything we needed. We asked to have that response in writing. Nothing came. I begin calling the first of XXXX to find out about it after receiving multiple collection calls and foreclosure letters. We received nothing we were told they would send. XXXX ( different member of escalation team ) was extremely rude and would not allow me to ask questions to find out what was going on. Emails, nor calls were answered, nor returned. Friday ( XX/XX/XXXX ) we got a XXXX packet of exactly the same thing they emailed to us in XXXX and then they said there was an error in it, so we needed to sign it again. Yet they could not tell me what the error was. It was word for word the same. The executive relations team told me the packet would have all needed info in it. It has no information in it except previous info. They claim they XXXX it to the wrong zip code. Clearly, they never sent it. I never received a XXXX tracking number until I called asking about it. ( XX/XX/XXXX ) The XXXX number they finally gave me last week was incorrect, with transposed numbers. The foreclosure letter said they were moving forward towards foreclosure since they did not receive the modification letter back in time. On XX/XX/XXXX, via info from yet another rep is that XXXX XXXX now claims he needs a hard copy of our signatures, after lying about the supposed error! It seems he will say anything to cover up for not doing what they said they would do. It is difficult for us send anything back when we never received it. They are outright lying. They have not followed the Cares Act guidelines! This loan has been a mess since PNC purchased it! We have asked for a mortgage audit and it has not been done. We believe we deserve to have 30 days to know what amount our payments will be and when they will be due! The government has bailed them out and then they dont bother to communicate with us until we file this report. There is NO FOLLOW THROUGH of what they told you they would do! It should not be this difficult! We did what we were asked to do! This began in XXXX with our calls to them and is an absurd amount of time for consumers to try to resolve something! We received no paperwork from them when we deferred this loan. We kept being put off until we contacted you in XXXX. As you can see, PNC has not followed through. They simply told you they would do something so it looked like they followed the guidelines. | ||||||
| 03/08/2021 | Yes |
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Web | Older American, Servicemember |
| Demand by PNC of certain tax filings not required by borrower. Lack of knowledge of tax filing options of SMOD borrowers. Failure to reply or discuss loan. Operation in secret. Dear Mr. XXXX, Im concerned you as my banker required certain Tax items not applicable to me or required, both as to payroll costs and XXXX employment income. It feels like Tax Advice or a mandate I file as PNC requires. This seems wrong. Mr XXXX approved I think correctly my initial application and subsequent acts constitute a requirement a borrower file taxes as PNC dictates. A form 2106 may only be filed by limited filers of which I am one. The reporting of such a filer seems beyond the scope of competence you or MsXXXX XXXX or any reviewer to date. I dont see why this isnt essentially Tax Advice. Apparently you think you can demand I pay for a tax expert as a condition of borrowing, provide you with tax forms not necessary to my operation. Or insist I file as PNC demands. The materials below, seem to indicate improper training, knowledge and audit by you, Ms. XXXX, and even Ms. XXXX. Please deposit the loan proceeds of {$20000.00} completed ap, today. Your insistence on documents I dont think I need to file remain improper. Thank you, https : //www.irs.gov/government-entities/federal-state-local-governments/tax-withholding-for-government-workers Fee-Basis Officials A fee-basis public official receives and retains remuneration directly from the public. This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. An official who receives salary, even if its called fees, is a common-law employee and is subject to social security and Medicare withholding. Fee-basis public officials are subject to self-employment tax. A position compensated by salary and fees is considered a fee-basis position if the fees are the principal source of compensation, unless a state law provides that a position for which any salary is paid is not a fee-basis position. A Section 218 Agreement may provide an exclusion from social security tax for individuals. Form 2106 Purpose of Form Use Form 2106 if you were an Armed Forces reservist, qualified performing artist, fee-basis state or local government official, or employee with impairment-related work expenses. Due to the suspension of miscellaneous itemized deductions subject to the 2 % floor under section 67 ( a ), employees who do not fit into one of the listed categories may not use Form 2106. See the flowchart below to find out if you must file this form. It is my sense my filings are permissible. And it feels like PNC is not only giving Tax Advice but also requiring certain filings as a condition of PPP participation. Why do you think I must file certain forms? Why isnt that tax advice? Or discrimination against SMOD borrowers or any borrower who does what is permissible under the Tax Code, but you simply dont understand. | ||||||
| 06/11/2018 | Yes |
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Web | Older American, Servicemember |
| My complaint is with PNC Bank. I've had a HELOC with them since XX/XX/XXXX and banked with them since XX/XX/XXXX. My concern start in XX/XX/XXXX, when they implemented a " new '' system. Since inception of the HELOC, I've had autopay and periodically submitted additional " Additional Principal '' payments, without problem. XX/XX/XXXX, a normal payment of {$560.00} was recorded with {$330.00} going to principal and the balance going to principal. And on XX/XX/XXXX I sublated an online additional principal payment of {$5000.00}. A couple of days later and saw my additional principal {$5000.00} was broken up into a {$560.00} payment and {$4400.00} additional principal payment. So, I called PNC Bank and asked the loan servicing department to fix this situation. I was forwarded to a dispute resolution department and they told me the new system had problems and they would fix my loan. XX/XX/XXXX, no autopay was deducted and I called to make sure they took the payment. I told them that there was plenty of money in my checking account and they should fix this so I wasn't charged late fees or wreck my credit. They said OK and would have things fixed soon. During XX/XX/XXXX, I called several times and even went to my local branch to have this problem fixed, but it wasn't. My local branch was cooperative and understood my concerns. They even called ( on my behalf ) and emailed the Customer Resolution dept. Also, during XX/XX/XXXX I started receiving calls from the PNC Loan Department stating that they wanted to collect on my delinquent loan account. I spoke with a supervisor and he said he make a note about my situation and I wouldn't get any more calls, but I did. On XX/XX/XXXX it looks like PNC credited my loan with the XXXX to " other '', not principal or interest. And what happened to the other {$560.00}? I was told it's still in work. XX/XX/XXXX my account was credited with a {$560.00} payment but the principal was only {$130.00} and the rest to interest. I called again and told that payment was being backdated to XX/XX/XXXX. So, I said if that's the case the principal and interest needed to be fixed to accurately reflect. I was told it would be fixed but, to date it hasn't. Additionally, on XX/XX/XXXX the took a payment of {$530.00} with {$290.00} going to principal and the rest going to interest. I thought I may be on my way to becoming whole, but on XX/XX/XXXX {$570.00} was auto paid to " other '' and not Principal or Interest. My local branch has been cooperative and they've requested a daily accounting of my loan info from XX/XX/XXXX to present. This is the only way to ensure I'm being credited for payments. Additionally, during conversations with the " Resolution '' office/department, I was informed that in the future ; " if I want to make additional principal payments, I have to make them at the local branch and they have to be submitted on the date that they deduct/credit my autopay. '' " This is the new system. '' | ||||||
| 12/13/2021 | Yes |
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| -requested to redeem 69,939 pts. for cash w/BBVA ( before PNC conversion XXXX ; was explained first need to be processed as a credit to the a/c and once credit hard posts can request a check to be sent out to me ( this took place prior to XX/XX/XXXX ) XXXX ... pts. redemption amount of {$690.00} hard posts to a/c ( resulted in me calling XXXX to ask for and initiate refund check to be mailed out ... explained process would take about 1wk ) XXXX ... XXXX subscription hit a/c and reduced the rewards pts credit to {$680.00} XXXX ... new refund amount of {$680.00} was taken out of a/c ; described as, " sale adjustment XXXX XXXX '' ( XXXX PNC consultant on XX/XX/XXXX call ( XXXX mst ) confirmed this was indeed a description for a refund to card holder and not a creditor/merchant charge to a/c ) -week prior to XXXX XXXX ( possibly XX/XX/XXXX ) ... called PNC bank to inquire about refund check ; had not received yet from supposed mailing on said XX/XX/XXXX date . Consultant verified check had begin requested and processed but since I hadn't received it w/in that month duration another refund check was put into process in said amount ; however, mailed to alternate address due to potential mail fraud purposes. XXXX ... still no refund check received, so called PNC and spoke w/consultant XXXX ( refused to provide employee I.D . or call center location ) explained " check had been requested but not no check could be found '' she spoke w/her supervisor and furthermore explained that this issue had to be escalated to a different dept. since other charges had occurred since the initial request/s. Had the refund processing been handled appropriately the first time there would have been no issue w/verifying charges against credit. XXXX further stated this process could take another XXXX days to complete AND if I don't have my refund check by that time that I would need to call back to see why. Therefore it seems to reason that after this escalation ( and yet another extended waiting period ) my refund check still may not be processed/completed. I would like my money refunded ASAP there was an agreement made to provided me a refund check for the credit that came by way of redeeming my rewards points... It is very unsettling that a financial institution is able to hold XXXX a credit card consumer 's money w/absolutely no recourse to the credit card company. I even asked if once they completed their research and see that there indeed was a credit refund check for said amount if they could overnight the refund check since I have been dealing w/this issue for XXXX months and XXXX said her supervisor no to the request ; furthermore displaying the lack of respect and professionalism and responsibility that you would come to expect from a financial institution, after all if the situation was reversed and I owed them money the 'd exhaust every major power resource they had to collect payment. Not ethical for the credit card company to give same regard. | ||||||
| 12/10/2021 | Yes |
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| I am requesting that you ( XXXX XXXX @ PNC ) send me something in writing showing where PNC tells the homeowners at the time of making the arrangement for Partial Claim that they could potentially lose their homes in the process due to impediments, lien, lis pendens, or anything of this nature. I don't recall anyone mentioning this to me over the phone when I made the arrangement at the beginning or the end of the arrangement and I don't recall seeing it in writing. Maybe if I had known this at the time, I would have figured something out while going through difficulties during the pandemic. As I stated before, it seems to me that PNC wants the customer to lose their home. Nothing was ever indicated that I could possibly lose my home if I opted to take the moratorium during the initiation of the partial claim process of this loan. PNC made it seem as though I would be able to get back on track once the moratorium ended. It was never indicated or mentioned that foreclosure was an option. A letter was even mailed out stating that I had been approved for the partial claim and then it was retracted. Now you've sent a demand letter dated XX/XX/XXXX the same day I called to make an inquiry and threatening demand and foreclosure of my home loan. However, on this same day at the time, I made the call I was told the home was not in foreclosure and that it was still in review two days later I received the demand letter. This is not the first time I have had issues with PNC keeping with their arrangements and/or agreements. I had to report them several years back regarding another issue during Hurricane Harvey. This is also not the first email sent to you ( XXXX XXXX at PNC ). You never responded to the previous email sent out and have taken only one of my calls in which I found flippant and not taking my situation seriously. This is my home. I have been here for going on 19 years and to have someone make light of my situation is appalling. My other attempts to reach you are always redirected to someone else. The one agent XXXX saw the email and sent me to someone in your Loss Mitigation department named XXXX who claimed she didn't see anything there. I have since gone to a PNC location and faxed the first email to you with the email address that is given for you in the email. So, this is proof that PNC did receive the first email. But if you don't receive this one, I have sent it to other entities that may be able to assist me. And furthermore, for reference, the HOA also filed the XXXX XXXX during the pandemic. This should attest to something. Everyone knows that people were having difficulty during this time. Why would this XXXX XXXX even be considered especially since it has been determined that there are no liens associated with the property and that there are egregious claims that my attorney has substantiated in her letter along with other documents? In the meantime, I have resumed making regular mortgage payments on the loan. | ||||||
| 06/05/2015 | Yes |
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| In XXXX I signed up for a bank account with PNC Bank. My reason for signing up for this account was for the {$300.00} incentive that I would be recieving after completing a few requirements. After signing for my account I called PNC to ensure that I understood the requirements that I needed to meet. During the phone call I was told by the representative that because I work for XXXX I was actually eligible for a {$400.00} incentive and that I only needed {$1000.00} direct deposit instead of {$2000.00}. Once I met the XXXX requirements necessary to recieve my incentive I called back in to PNC and asked them if I comepleted everything that I needed to. The representative that I spoke with let me know that all I needed to do was sign up for the workplace banking and in order for me to do that I needed to go into a PNC branch. I then went into the PNC branch and an advisor sat down with me and signed me up for the workplace banking. I asked him if that was all I needed to do in order to recieve my {$400.00} incentive and he said that I completed the requirements and should recieve my money within 60 days. Sometime around XX/XX/XXXX I called into PNC to discuss my new auto loan with them. While on the phone I asked about when I would recieve my {$400.00} incentive for signing up for the bank account. The representative looked over everything and let me know that I would not be recieving my {$400.00} due to the fact that in order to be eligible for that incentive I needed to recieve an email invite or an invite from a PNC representative for the workplace banking. I let the agent know that I was lead to believe that I would be recieving this money from multiple representatives of PNC and that I do n't understand how I am ineligible all of a sudden. She explained that there was nothing that she could do about the {$400.00}, but that she could sign up for the promotion that would have me recieve a {$300.00} incentive. After that phone call I went in to the PNC branch, again, on XXXX XXXX to see if there was anything that could be done what happened. I spoke with a consultant who told me that there was nothing that could be done about what I was previously told about being eligible to recieve {$400.00}. He then told me that I was not even eligible to recieve the {$300.00} promotion that I was signed up for. The consultant told me that the only incentive I was eligible for was {$200.00}. After discussing my issues and frustrations he just told me that nothing could be done and that this was the best that he could do. A few days I called PNC to ask them when I would be recieving my money and the representative told me that I was not eligible to recieve the {$200.00} or any of the other previous incentives I was signed up for. She said that she needed to contact the PNC branch to further review everything and that I should be recieving a call from the assistant manager by the end of the business day. I still have yet to recieve a phone call. | ||||||
| 01/31/2022 | Yes |
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Web | Older American |
| This is in respect to an error made by PNC Bank in processing a balance transfer from XXXX XXXX. In XXXX of XXXX, I submitted a request to PNC Bank for a VISA card. At the same time, I submitted a request for a credit card balance transfer from XXXX XXXX to PNC. On XX/XX/XXXX, a debit was made to my XXXX XXXX account ( it actually posted on XX/XX/XXXX ) in the amount of {$6100.00}. In addition, a special rate offer fee was charged to my account in the amount of {$120.00}. This was the exact opposite of what should have happened. Had my balance transfer been handled correctly by PNC Bank, XXXX XXXX would have received a check from them in the amount of {$6000.00}, and when combined with the payment of {$3400.00} that I arranged to be paid from my PNC checking account, payments of {$9400.00} would have been received by XXXX XXXXXXXX by XX/XX/XXXX, which would have brought the amount due on my XXXX XXXXXXXX credit card account to {$0.00}. Upon discovering the error, I contacted PNC and spoke with a customer service representative. They assured me that the error would be corrected. My VISA card balance with PNC was corrected. However, they failed to return the money they received from XXXX XXXX to XXXX XXXX. I arranged to meet with the local PNC Branch Manager ( XXXX XXXX, FL ). After explaining the situation to him, he contacted his designated point-of-contact for such issues. During the meeting, I also spoke with this person, and was assured that two checks would be sent to XXXX XXXX -- -one to repay the original {$6100.00} that was sent to PNC due to error on the part of PNC , and one for the balance transfer I had originally requested in the amount of {$6000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX received two payments of {$6000.00} from PNC Bank. As previously stated, one payment was supposed to be for repayment of the {$6100.00} they erroneously requested. The second payment was to be for the original balance transfer request I made to them. So, other than the balance transfer fee that XXXX XXXX charged me through PNCs error ( {$120.00} ) and the discrepancy in the amount received by PNC originally and the amount they returned to XXXX XXXX ( {$97.00} ), I had been made whole. On XX/XX/XXXX, my wife forwarded an e-mail message to me that she had received from XXXX XXXX. The message indicated that PNC had requested that an amount of {$6000.00} be returned to them, which XXXX XXXX honored. This has resulted in my XXXX XXXX credit card balance increasing by that amount with no corresponding decrease in my PNC credit card. I contacted the Branch Manager on XX/XX/XXXX to inform him of the situation and requested his assistance in correction of the error. As of the date of this complaint, I have not heard from him. I am requesting assistance in getting this issue resolved. While I am not attaching documents at this tie, I have all documents necessary to show the payments received by XXXX XXXX from PNC and vice versa. | ||||||
| 07/24/2017 | Yes |
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Web | Servicemember |
| XX/XX/XXXX, PNC Mortgage offers a refi mortgage. ( 1st of 4 attempts ) loan officer abandons application and I receive denial for incomplete in mail. LO now gone, new LO has me resubmit, ( XX/XX/XXXX ) I 've now moved to a new career in new year, managed by staffing agency, underwriter does n't like it, processor wont return calls, and loan is denied for same reason. 3rd attempt, ( XXXXXX/XX/XXXX ) Loan redone again 3rd run on credit, underwriter again same issues, and processor from before again fails to do his job, after he was supposed to be taken off my loan and new team put on. Phone conversations with top of mortgage dept./underwriters continue, 3rd attempt on loan killed for " schedule B compliance. '' Underwriter/mortgage dept. invite and persuade me to resubmit once more, with the promise to be " more objective '' in the application, understanding staffing agency work is not " temp '' work. Submit again, underwriter immediately begins to demand the exact same things as before, breaking their word on objectivity, goes to the wrong employer dept. for verification of employment, gets an unskilled worker to give them incorrect info. I immediately notify loan officer and told not to worry, that I was just making something out of nothing. They were wrong, underwriter fails to bring their promise, I have to correct their work, as they refused to rectify the issue themselves. As soon as I do, they still refuse to accept, and actually went back to wrong office on purpose on a fishing expo. to find someone that will give them what they need to kill my application. I could have simply gone to another financial institution, but they promised they understood and pressured me to resubmit with them, and in the end now I cant submit anywhere, as PNC has killed my score, until sometime in the future. By XX/XX/XXXX my official denial letter from PNC loan # XXXX denied. Executive of customer relations unable to do anything, PNC Mortgage refuses to hold underwriter to their word, knows the UW baited me and then destroyed my loan as soon as I committed to the submission. UW defends with the email they went fishing and received stating " technically a temp '' and ignored the actual employer 's written responses ( the same one they used 3 of 4 times prior ) The fact they insisted I continue to work with them ( PNC ) and not go somewhere else, lent me an assumed trust and good faith in them. They NEVER gave me their required definition of a " Permanent '' employment. The crutch of the entire loan! I asked repeatedly for a copy of this requirement in writing, and they refused, I asked the executive of customer relations for it, they refused. It is a company imposed requirement, that NOBODY could offer in writing, and actually denied they were requesting employer 's for documents stating such, without a definition even for them to go by. To this day, I have never heard of any other institution requiring anything without a definition of it. | ||||||
| 08/13/2022 | Yes |
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| I refinanced my XXXX XXXXXXXX XXXX which I financed with PNC Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires. On or about XX/XX/XXXX, PNC responded and alleged that information furnished was correct, accurate and that they would not remove the 60 day late payments. ( See attached ) PNC in addition attempted to muddy the waters and deflect from the issue of the ( 60 ) day late payments and speak on my current late payment. PNC is a disgrace company who has taken predatory actions against my personal credit. PNC Executive Client Relations specialist, XXXX XXXX was assigned to investigate this matter. XXXX recited hearsay second hand information. She was not able to verify or give reference to any of the persons or parties that were part of her investigation, In addition, there were no dates included in her investigation to corroborate her investigation. XXXX XXXX alleged she was on vacation and did not respond to multiple emails of mine. Allegedly XXXX was on vacation when i received this response to the CFPB. I was not afforded my constitutional right to confront my accused or cross examine any parties that were part of this investigation or have a way to address any of the alleged information submitted by XXXX. ( See attached emails ) I intend to take this matter to the XXXX and US Attorney General 's Office due to this travesty. I continually suffer till today due to two ( 60 ) day late payments which were no fault of mine. PNC and XXXX XXXX were the only parties in control of this check, yet I am the only one who is suffering. I have missed out on loans and refinancing due to this. My rights pursuant to USC Articles and Constutional Rights have been infringed upon and I intend on using this complaint as prima facie proof for my lawsuit. | ||||||
| 04/14/2015 | Yes |
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| Below is a letter written to PNC Bank on XXXX XXXX, XXXX. Per instructions, it was sent to Credit Bureau Disputes Department in XXXX. A copy of the entire packet was also sent to XXXX XXXX, Associate Director of the CFPB. I have n't heard from PNC and I have n't heard from the CFPB. We are writing to ask for a bad mark against our credit score be removed due to circumstances we believe are the fault of PNC Bank personnel, not our own. We have worked with XXXX XXXX of your Escalation Dept., who provided the background materials attached. She suggested we contact your department regarding the correction of this mistake. We opened a checking account at National City Bank in XXXX. At that time, we were sold an overdraft protection line. When we closed the checking in XXXX, the overdraft protection line was not closed. At the beginning of XXXX, we were charged the annual fee on the protection line of credit. We were a customer in good standing for nearly 15 years and we still have money market accounts set up with PNC for our children. I 'm very disappointed in the policies around this, and that our credit score has been dinged over a {$36.00} fee that we were not notified about. For the following reasons, I 'd like this matter to be resolved. We were customers in good standing for many years. The overdraft line is sold with the checking account. When the checking account was closed, we were not asked if we wanted to close the overdraft - I find it rather dishonest that they are sold in tandem but that they are not cancelled in tandem or at least that the overdraft is not flagged when an account is closed and the customer given the option to close. After realizing the account was closed and you could n't assess the fee, you mailed us a statement - TO THE WRONG ADDRESS. Our address changed in XXXX of XXXX, while our account was still active. We took the proper steps to change the address at that time. In fact, our current address was on file with XXXX when I spoke to her just last month. So, again, PNC made a mistake that is affecting our credit. Frankly, I feel like PNC tried to trick us by not suggesting we close an overdraft protection line on an account we were closing. Why would any reasonable person keep such a line and why would any reasonable person not think they would be closed in tandem when they are sold in tandem? This is dishonest policy. We also find that your company makes it as difficult as possible to resolve disputes, by providing me a XXXX XXXX and department name only, no person, no phone number, to have this matter handled. I can bank electronically, chat with reps on your Web site, find you on XXXX and XXXX. However, we are sending this letter, as instructed into what we feel is a great abyss, with no way of knowing if it 's ever received. We do hope, however, it can be resolved simply and efficiently, as both our credit scores have been impacted by PNCs poor policy decisions and mistakes. | ||||||
| 03/15/2023 | Yes |
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| Hello, I am reaching out looking for help in regards to my banking relationship with PNC. I was a customer of theirs for around 20 years with the same accounts. On XX/XX/XXXX I attempted to access my account via mobile login. The login was not working and I was unable to use the password reset to regain access to my account. Since it was a holiday I decided to wait until the following day and called PNC on XX/XX/XXXX. After 20-30 minutes on the phone someone finally realized that I was supposedly mailed a letter around XX/XX/XXXX stating that PNC decided that they wanted to end our banking relationship. I asked how this was communicated and I was told a letter was mailed to me. I asked why and was told it just stated that just like a customer can decide they don't want to do business, PNC also has that right. I never received a letter, nor any other form of communication that my account was being closed. At the time of this incident I had nearly {$30000.00} in my checking and savings account and was frozen from accessing it with no notification. I went to my local PNC branch and after spending quite a bit of time there was able to get them to move my money to one checking account and then told to write a manual check to transfer only. I was not able to withdrawal cash from my account at that time. I went through the steps of this process and created a new account and wrote a check. This process took nearly a week for the check to clear so I was without my money from almost a week. Another challenge with this situation is that I have no access to see which transactions were hitting my account, nor access to my account to pull statements to see what is going on. I do not balance to the total I was given today in my account and have no way to review transactions to balance my checkbook. I was also told that a certified check would be cut on XX/XX/XXXX clearing out the balance remaining in my account. I just called PNC and they said this process could take a week or more. This is not acceptable to me. Also, I still have no access to pull my bank statements that are all stored digitally online only. I was told that I can not gain access and the only way is to write a letter asking for each monthly statement. This entire situation seems wrong and illegal. How can a bank decide they no longer want to do business with me and all they have to do is say they mailed a letter first class to tell me? Then not allow me to withdrawal cash from my account? It is not like I did anything wrong in this situation to be treated in this manner. They chose not to work with me and then held my money and information XXXX. I am hoping that someone can help me get the rest of my money and get access to all of my statements that are digital only. Ideally I feel like I should be compensated in some matter for not having access to my cash for almost a week, as well as having to spend hours of time on the matter because I was blindsided. | ||||||
| 12/16/2015 | Yes |
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| My complaint is due to my divorce and primarily involves my HELOC, though my first mortgage ( fixed rate Home Equity, really ) is with the same lender. I will remain with my kids in the home and want to assume both the Home Equity and the HELOC ( or have my ex-husband 's name removed ) but I 've been unsuccessful. I 've submitted a complaint previously but ca n't dispute the response, possibly due to the age of my complaint, but research takes time. I 've had a chance to review my HELOC docs and have several issues. First, my ex and I both believed the HELOC was secured by a different residence that he 'll be keeping ( no loans attached ). The docs do n't state what property secures the HELOC. After many calls to my lender, and much confusion on the part of my lender during research, I 've been told that the home in which I reside secures both loans. Next, I 've researched some info re : " due on sale clause '' being one of the only tools available to lenders to prevent assumptions. I ca n't locate this clause in my HELOC docs, so I 'm wondering if that may only apply to first mortgages. Whether it applies only to first mortgages or to the HELOC, as well, I 've been told by my lender that I ca n't " assume '' my loans nor can I have my ex removed. If my lender is incorrect in prohibiting me from removing my ex, I 'd like to know how I should proceed. If THAT does n't help my situation, I 'd like to know if the 1982 Garn-St Germain Act applies, and if so, how I should proceed. Finally, my HELOC docs state that instructions for some types of transactions may be made by one borrower without requiring all borrowers to sign ( though reinstatements for borrowing, etc., must be made by all borrowers ). I 'd simply like to instruct my lender to remove liability from the second borrower. My requests for the past 4 years have been denied. I 've shown my ability to pay without a second borrower for the past 4+ years, without any late payments, and I also have liquid assets equal to many months of payments. Aside from the proof of my ability to pay, could my divorce documents be presented to my lender to accomplish my request? We currently own XXXX houses together, XXXX without any loans whatsoever, which my ex will be retaining, and making monthly payments to me. I own the one house mentioned above with a mortgage and HELOC as well as XXXX additional homes without any loans whatsoever. I 'm requesting assistance again due to new information and my inability to convince my lender that I 'm just as trustworthy as I was when I applied for my loans with my ex as co-borrower. I 've always made the payments without his assistance, but as mentioned, can prove I 've made payments for more than 4 years without his assistance. Any help you can provide is appreciated. I 've mentioned a couple of scenarios above that I 've run across while researching, but if there are other options that will help me achieve my goal, please let me know. | ||||||
| 06/16/2020 | Yes |
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| In XXXX of 2019 on I spent one night at a XXXX XXXX hotel near XXXX while attending a family event. I had reserved the hotel room using a PNC credit card. The quoted rate was XXXX $ per night. Normally I use my credit card only for reservations and use a debit card during check out. The hotel however charged the PNC credit card and for which I was unaware. More than 9 months later I received a call from PNC informing me that I owed over XXXX $ on the credit card. I told the PNC representative that I have not used the card and do not normally charge anything to credit. That there was a mistake. She informed me that the records showed a charge in XXXX of 2019 for roughly XXXX $ and a second charge of XXXX $ from XXXX XXXX hotel. The remaining charges were late fees and interest. I informed her it was a mistake and the second XXXX $ charge was definitely wrong since I spent only one night at the hotel. She told me I would need to have that erroneous charge of {$250.00} resolved with the hotel. I had never received a statement or credit card bill from PNC, her phone call was the first time I became aware of the charges. I asked where the bill was sent and she told me an email address. It was an incorrect email address. I asked why they hadn't called. She said they had called and when I asked what number she gave me an old landline number that has not been in service for over 18 months. She told me I would need to pay the original charges of the XXXX $ and erroneous XXXX $ to clear my credit and that the accumulated late fees and interest would be waved. I would need to recover the erroneous XXXX $ from the hotel. I agreed and paid the original balance of over XXXX XXXX I also asked the card be cancelled so that no further charges could be made on the card. Since then I have been receiving calls from PNC credit informing me that I now owe over XXXX $ and is accumulated late fees and interest. Each time I repeat my story and then told it is noted in the record and that a supervising is looking into it, yet the continue to add charges and continue to call. I had been a customer of PNC for over 30 years. I never use the credit card and is reflected in their history. In summary, 1. My card was erroneously charged with {$250.00}. 2. I was unaware of the charges and PNC was sending the statements to the wrong address and calling a phone number that I no longer had. 3. PNC continued to charge late fees and interest on a card I cancelled and on a balance I had paid, despite the charge being erroneous. 4. I have been told by several representatives that the issue is being handled by a supervisor, but continue to receive phone calls and told that fees are still being charged to the credit card account. 5. PNC is attempting to collect over {$600.00} of additional fees and interest on an original charge of XXXX $ which had been subsequently paid along with an erroneous charge of {$250.00} that had also been paid. | ||||||
| 04/17/2015 | Yes |
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| I went to my local PNC bank branch where I do the majority of my banking to apply for a mortgage loan. Initially I gave them permission to run a credit report and begin the loan application process. Their originator called me to let me know that my credit score was a XXXX and my rate would be 4.125 % on a 30 year fixed, I then decided to shop the rate. I received a better rate from another lender and let PNC know this so they decided to match that rate of 4 % and not charge me any points to get there. When I finally received my credit score report from PNC 12 days later I realized that in fact my score was a XXXX ; which is obviously a significant difference. By the time I realized this mistake we were under 30 days from our close so there was n't sufficent time to shop for a new rate without losing the house we were buying. My purchase was contingent on the sale of my home ; we had a buyer and agreed on a sales price. My buyer was also using PNC and the same loan originator from the same branch. Next issue was my home appraised at $ 47K less than the agreed upon purchase price, so naturally PNC would n't underwrite the loan and now my buyer had some suspicions about the price. Luckily the buyers brother was also an appraiser and he believed our price was fair. The buyer found a new lender and they did a new appraisal which came back over our sales price. This issue resulted in us having to postpone the closing on both properties for 7 days. So now 10 days before our new close date I was informed by my lender ( PNC ) that they would no longer honor my 4 % rate without adding a fee of {$1500.00}, essentially making me buy a point to get to the previously agreed upon rate of 4 %. I was given no options or explanation, just a call from my originator to disclose the new fees. When I asked for clarification he provided no clear answers and immediately told me to contact his manager. I hung up and called the manager over the next ten days sometimes multiple times a day and I hardly heard back from her. I completely understand that phone tag is normal and people are busy but I felt as though my calls were being screened and purposely not returned in a timely fashion. In addition to this my GFE as it was explained to me was off by $ 9K as compared to my final HUD. Again the loan originator had trouble communicating the differences between the XXXX and where we missed the mark. He had me call the closing company to get an explanation of the HUD and that 's when we realized that his numbers were really out of whack. I truly feel like I was steered into an unfair loan and forced to pay a fee that was n't properly explained to me. Not to mention that initially they did n't disclose my correct credit score which did n't allow me to accurately shop for other loans. I feel like my rights were violated multiple times during this process and I really hope this story can encourage others to steer clear of situations like this. | ||||||
| 06/22/2019 | Yes |
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| On XX/XX/XXXX, I momentarily lost my phone during the process of renovating my house, and they were many people at my home at the time ( different contractors, electricians, plumbers etc ). After relocating the phone about an hour later, I checked and noticed that there was some unusual activities noticeably with my XXXX account, which is linked to my debit card. In essence a person used my debit card information without my prior approval. After I retrieved my phone, I noticed that there was a transaction of XXXX made to an individual listed as " XXXX XXXX. '' I not only was a victim of Identity theft but my debit card information was momentarily stolen and unauthorized transactions was made. As soon as I realized the error, the first thing that I did was contact my financial institution. My first grievance with PNC bank was that they failed to stop the payment from going through even though the transaction was still pending. I notified them that my information was comprised and although they replaced my debit card the transaction was allowed to happen. My account was never frozen. When I spoke with a PNC representative about the matter, and why is the transaction was not canceled after I made it known that my card information was stolen, she said with the " third party company 'XXXX ', the item has to post before PNC bank can do anything about it '' ; thus violating my protecting under the Electronic Fund transfer Act.The company 's decision to not intervene and allow the unauthorized purchase to go through left me with an undue burden/hardship due to the large amount of money that was processed. My financial institution, PNC bank, opened a report and did an investigation. They are now denying my request because the transaction was made through a third party ( XXXX ). I am disputing this matter because under the Electronic Funds Transfer Act, I am afforded protection if I am a victim of identity theft or if my debit card number is stolen and an unauthorized transaction was made, al of which pertains to my situation. I also have reasons to believe that the financial institution did not take into full account the circumstances of the fraudulent transaction or that a thorough investigation was made since I was told during my phone conversation with an associate on XX/XX/XXXX around XXXX that " XXXX disputes are routinely denied. '' This was not simply a routine XXXX transaction as my identity was stolen and an individual used my information without my knowledge or approval and made transactions on my behalf with a stolen debit card information. Furthermore, my dispute determination was dated XX/XX/2019 which was beyond the 45 days in which the financial institution has to mail me a determination as I made them aware of the situation and opened up a dispute on XX/XX/2019. I was not afforded the protection that I am guaranteed as a consumer nor was my investigation conducted in the time frame allotted. | ||||||
| 07/07/2017 | Yes |
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| I was charged two bogus overdraft fees " engineered '' by PNC bank. ( Please see attached screen capture with notations. ) On XX/XX/XXXX I checked my balance and saw that I had a low positive balance. So on XX/XX/XXXX, I deposited a check for {$250.00} to that account because I knew that I had two checks totaling {$230.00} that had not yet cleared, and I wanted to make sure that they were covered. On XX/XX/XXXX, I again checked my account and saw that the deposited had been credited and that after that the two checks had cleared. This resulted in a positive balance of {$15.00}. XX/XX/XXXX was a bank holiday, but because I had made a {$25.00} online purchase, I transferred {$25.00} from my other PNC checking account to that PNC checking account. That would, I knew, give me a balance of {$15.00} + {$25.00}, for a total of {$40.00} -- more than enough to cover the {$25.00} purchase and still leave a small positive balance. On July 5, I checked to see if the {$25.00} purchase had gone through, which it had. HOWEVER, on that same date PNC had FIRST posted an " engineered '' {$36.00} overdraft fee on my positive balance of {$15.00} ( which threw my balance into the negative ), and THEN they put through the {$25.00} charge ( which now was n't " covered '' because the {$36.00} fee had " taken '' some of my {$40.00} balance ), and AFTER THAT they finally credited my supposedly " instantaneous '' PNC to PNC transfer from the day before -- thus resulting in another " engineered '' overdraft fee. I called PNC around XXXX XXXX on XX/XX/XXXX and spoke to a male representative ( he quickly gave his name at the beginning of the call, but I did n't understand it ; and after we had talked he ignored my request for his name or bank ID number ). He said that he could not help me because his request to refund the charges was denied by the computer. When I told him that I was going to complain to regulators if this was n't properly resolved, he laughed. ( So much for low-level customer service at PNC. ) He then put me through to his supervisor, whose name sounded like " XXXX XXXX. '' She promptly announced that she was recording the call. When I said that was fine because I, too, was going to record the call, she told me that I " was n't allowed '' to do that. I informed her that under Maryland law that I was allowed to record a call if I let the other party know that I was doing so. She kept insisting that I was n't allowed to do that, and then said that she would not talk to me if I recorded the call. ( You can verify that exchange, I imagine, since she said our call was being recorded on her end. ) She said that she was escalating the call. She then escalated the issue to her supervisor. I ended up getting her supervisor 's voice mail, and I left a detailed message with a return phone number. The supervisor 's name was spoken quickly, but it sounded like " XXXX XXXX. '' I have not heard from him. | ||||||
| 02/25/2023 | Yes |
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| Greetings My name is XXXX XXXX XXXX On or about XX/XX/2022 PNC Bank opened a business account under my sole signor For co name ; XXXX XXXX XXXX XXXX Acct XXXX There were multiple unauthorized charges to my account for a loan payment and or Line of credit/ credit card from my ex husbands delinquent loan accts which were Charged to my account some appear to be telephone ACH withdrawals In addition most recently i was charged for stop pmt fees and other unknown account fees I am unable to recover the unauthorized ACH debits due to PNC stating that over 60 days any bank stmt containing errors can not be recovered if I understand correctly. In addition there are withdrawals ACH unmarked providing no account to link them to Basically PNC bank has allowed this to continue. Because i do not have check images i am unable to view checks marked as XXXX Dates of unauthorized deductions include XX/XX/2022 unauthorized ACH Telephone Pmt to PNC There are unmarked checks as XXXX on XX/XX/22 for XXXX may be check i wrote XX/XX/22 XXXX - these may be checks i pd to contractors however i am unable to retrieve Check images XX/XX/22 Ch XXXX XXXX again i can not see check images may be a ck i pd but have no manner of seeing check images on my cell phone device XX/XX/22 XXXX for a check printing fee is excessive On dates XX/XX/22-XX/XX/2022 There were a total of 9 checks pd i am unable to view check images on my cell phone device checks paid from my acct total XXXX- I need to ensure these were checks That i paid to contractors or how i can determine the checks were written by me which May be the case but need copies of cancelled check images On XX/XX/2022- i was charged XXXX for check printing bank fees On XX/XX/22- was charged XXXX for an unauthorized ACH telephone pmt to PNC ON XX/XX/22 Was charged XXXX even though stmt says fee for mo maintenance is XXXX On XX/XX/22 i was charged XXXX an unauthorized ACH Telephone pmt to PNC In addition PNC charged me XXXX for the stop pmt fee even when it was an unauthorized ACH and two charges for XXXX not sure where these come from On XX/XX/22- was charged XXXX for bank service charges, again another inconsistent Bank charge On XX/XX/22- Another unauthorized unmarked ACH charge to my account from my XXXX XXXX XXXX XXXX checking acct with no marked account number but it Is an ACH debit with a ghost unmarked pending withdrawal. I need PNC Bank to cease charging me for my ex husbands delinquent debts This is causing stress as i need go in and they keep transferring me to recovery dept When i do not owe anything for XXXX XXXX XXXX XXXX accounts my ex husband XXXX XXXX was a smoke signor for previous XXXX XXXX XXXX XXXX business accts Please help me recover unauthorized ACH initiated from this account without my Consent. In addition PNC needs respond why they continue to do so. Please help me. Thanks in advance for your time and consideration XXXX XXXX XXXX XXXX Email XXXX XXXX | ||||||
| 07/23/2020 | Yes |
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| I am a student that is looking for housing near campus and found the offer on XXXX on XX/XX/2020. I called at first and someone picked up the phone but since I couldn't hear her properly on the phone, all of my interaction was through the messages. We ask for a showing to the house and she stated that due to COVID-19, she is not offering a showing but we can drop by the house to check it out. This is a pretty hard time for everyone so I believe her, so I went to see the house from the outside. I then pay the application fee of {$150.00} for 3 tenants, {$1000.00} deposit fee, {$500.00} pet fee, and {$800.00} for first-month rent. After we sign the lease, one tenant decides to drop out due to his personal reasons and we had to pay the landlord {$200.00} for redoing the lease. However, after the lease is signed, she stated that her husband found another person that is willing to pay 6 months in advance of the rent and they are considering giving the house to them. The lease agreement somewhat stated that they have the privilege the terminate lease within 10 days of the notice and I didn't want to go through more trouble to find another house go I agreed to pay in advance too. I sent her another {$2000.00} but couldn't do more due to the monthly limit on XXXX. We came to an agreement to pay the rest after we move in. After a week, we just want to confirm the date we will be receiving the keys. Usually, it should be a week before the move-in date and after messaging her, she refused to send us the keys until we make all the payment or until the move-in date. I called her phone and she never answers but does reply to the messages. I find this very suspicious so my friends went to XXXX and found the contact information for the house and found out that the house was sold a week ago, which is after I signed the lease. That house did not belong to her. Then my friend contact the landlord and disguised himself as someone that is interested in the house. She replied that the house is available ASAP. I immediately contacted my bank about this and my dispute was denied because XXXX does not offer fraud protection so I can not get the money reimbursed. I also contacted the Kentucky State Police and XXXX Metro Police but they said that my case is considered a civil issue which they do not take care of. I already filed the scam complaint to the FTC and the Kentucky Attorney 's office. I am currently just waiting for their response. I have the lease agreement which contains the scammers name and the attorneys name and our messages. Currently, I havent confronted the landlord about the scam to not alert her, but I was supposed to move into the house on XX/XX/XXXX. I know that I am not going to receive the keys but after this date, Im not sure if they can still be tracked down. I suspect that her phone is a prepaid phone. I also have our phone messages still saved. If you need that information, please contact me. | ||||||
| 02/15/2017 | Yes |
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| I have been in business for over 30 years. I own a XXXX. Up until about 4 years ago I was using a couple different bank accounts. Pnc bank came to my XXXX and got me to consolidate my bank accounts, credit card processing, credit cards, and lines of credit through them only. We accepted because there were multiple benefits by switching to one bank for our business and personal banking needs. Once we switched to PNC only, they were able to see how much money they could make off of us, so they continued to try to get more of our business switched to them, and away from our main credit card which is XXXX ( which we spend about {$50000.00} a month on ). We do a pretty large volume of sales, through cash and also through credit card processing. After about a year of doing business solely through PNC they contacted us regarding large cash deposits, and the frequency of them ( which was about 3 years ago from the current date ). A VP of banking came to our store location to ask us some questions regarding the deposits, and also to see our store operations. He took pictures of our XXXX square foot XXXX, the amount of merchandise we have, our previous 3 years tax returns, and at the time the most recent bank statements. After seeing our store, and the amount of volume of sales we were doing, they had a better idea of our business, and said things were fine. Recently we received a letter from PNC stating that they were closing our business account, and also my personal checking account. The form gave no explanation as to why this was happening, only a phone number to call, which they basically told us they did not have to give us a reason as to why they were closing the accounts. Their reasoning was that they no longer want to do business with us. The business is owned by me and my daughter, who also has another business she runs. Neither her personal accounts, or the seperate business accounts were closed. The local branch manager was also not able to give us an explanation as to why our accounts were being closed either. The worst part about this is not only our business checking and my personal account being closed, was that they did n't close out the credit cards, credit lines, or our credit card processing through them ( which if we decide to cancel, they will charge us 250 a month fee for the rest of the contract, about 1 year left ) Now we have to switch to another bank for business checking and personal checking, but continue to use their merchant processing, which we will get charged a monthly fee for not rolling all of our business transactions through XXXX. We do business with a very diverse clientele, XXXX, XXXX, and also XXXX customers. I am an XXXX, XXXX XXXX who is also an XXXX citizen. Does the issue that they have with us have to do with the fact of my nationality, my customers nationality, or something else? I have no idea, because we were given no exact answer as to why this is happening. | ||||||
| 08/27/2015 | Yes |
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| I received a notice from my mortgage company, XXXX XXXX, that my mortgage would be reduced. Unfortunately, I did n't pay attention to the date of the change ; it was effective XXXX not XXXX, 2015. I paid XXXX, an amount that was {$1.00} short. I was notified by email that they refused the payment and that PNC Bank was notified that the payment was to be returned to me. That occurred on Thur., XXXX/XXXX/15. XXXX XXXX also notified me that a correct mortgage amount needed to be paid. I submitted that payment, {$1200.00}, on XXXX/XXXX/15. That money was removed from my account on XXXX/XXXX/15. As of Monday, XXXX/XXXX/15, my first payment was not yet returned. I contacted PNC and the XXXX XXXX. Both said they did not have my funds. At some point, PNC noted that a 3rd party vendor that processed online bill payments MAY have my money. I was told that I could initiate a dispute to help get the funds returned to me. I was also told to contact the 3rd party vendor. I asked for help in doing that by way of a XXXX way call, but was told they did n't have the capability to do that. After several calls, PNC dispute services told me that I needed to sign a " Written Statement of Unauthorized Debit ( ACH ) '' to verify that I was filing a dispute. I asked for the form to be emailed to me but was told it could not be, that I would have to wait for it to arrive my USPS mail or I could obtain it at the local PNC branch. I had already gone to the branch when this issue began and was not told about this form. I went to the branch in XXXX XXXX, VA for a XXXX time. I requested the form. I was told they did not have the form. I told them I had been directed to get it from them by the Dispute office. Again, I was told they did not have such a form. I left very upset. I called the Dispute office again the next day or so. The first think I was told was that it appeared that I had cancelled my Dispute claim. I emphatically insisted that was NOT THE CASE and that my money had not yet been returned. I also told them about my XXXX visit to the local branch ; they got the local branch on a separate phone line and directed them on how to locate the form for me. After all of this, the next day on XXXX/XXXX/15, I could see that there was a pending transaction for return of {$1200.00}, my XXXX incorrect mortgage payment. Meanwhile, a representative from PNC called, but I was unable to determine the name. I called the number left, but it was a main number. I was unable to contact the person calling since I had no extension. I did call the Dispute office and left a voice mail for the XXXX person I worked with most to say my money had been returned. WHAT A STRESSFUL and upsetting experience. ( I did my best to put these events in chronological order ; I apologize for any error. ) To date, I have not spoken to anyone from PNC that has expressed regret over this situation or to ensure that my funds were returned and accessible to me. | ||||||
| 10/21/2020 | Yes |
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| I opened my PNC business checking account on XX/XX/20, at the advice of a local PNC branch manager because the bank did not like large deposits going into a personal checking account. Additionally, when opening the account I enrolled under a new account bonus opportunity of {$200.00}. All that was needed to obtain the new account bonus was a deposit of {$5000.00} ( made on XX/XX/20 ) and twenty debit card transactions ( made between XX/XX/20, and XX/XX/20 ). The only other activity on the account deposits of {$7900.00} on XX/XX/20, {$21.00} on XX/XX/20, {$5900.00} on XX/XX/20, {$14.00} on XX/XX/20, and bill pay of {$5900.00} on XX/XX/20, and {$6000.00} on XX/XX/20. I received an odd, unforeseen call on XX/XX/20, from a PNC banker ( XXXX? ) inquiring about my business. It was clear from their tone of voice that the banker was suspicious of my account for an unknown reason. The banker asked a few questions about my business and the call ended without any advice or concern noted. The source of funds for deposit are not a mystery and I described this to the banker who called. My business is retail arbitrage -- I buy discounted items and then sell them at a profit. Had the banker asked, I may have been willing to provide a spreadsheet of my purchases and sales, but the banker wasn't interested in facts. I received a notice in the mail dated XX/XX/20, that my account would be closed on XX/XX/20. No information was given or provided on this notice for the reason for closure. I called PNC bank XX/XX/20, to inquire as to the reason for the abrupt account closure with no reason given. I spoke with XXXX in " Bank Operations, '' who when asked for clarifying information on the closure stated, " PNC has decided to close the account on XX/XX/20. '' When I again inquired as to the reason why, I was told " PNC has the right to close the account based on the terms and conditions of the account, just like you have the option to close the account at will. '' Again, I asked for the reason for the closure and was not given a reason why. I then asked if there was an appeal process -- Many replied " No. '' I then asked if I could open up another account with PNC in the future as PNC meets my banking needs and XXXX replied, " We would never deny the application ... '' PNC bank is clearly biased against me as I filed a CFPB complaint against them earlier this year for not paying out the bonus for the personal checking account I had opened ( that dispute was resolved in my favor and the bank paid the new account bonus ). They also appear to be concerned about the source of funds for my account -- I told them but they didn't like the answer. Lastly, the timing of the account closure is suspicious as the new account bonus has yet to be posted. The account will likely will be closed before it does post as the new bonus may take up to 90 days ( XX/XX/20 ) once the conditions for the new account opening bonus are met. | ||||||
| 11/22/2023 | Yes |
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| I am a customer of PNC Bank, N.A. I live in XXXX, Maryland and have a good relationship with my local branch. At the end of XXXX ( XX/XX/XXXX ), I travelled to XXXX for a work colleague 's wedding. The evening of XX/XX/XXXX my Iphone was stolen from a restaurant/bar in XXXX XXXX XXXX The wedding was on Saturday, XXXX XXXX. I planned on filing an XXXX insurance claim on the XXXX when I returned to Maryland so I went to a local XXXX store and purchased a flip phone so I could make phone calls. I attended the wedding on Saturday and Sunday morning I was checking my email in a local cafe when I saw that there were three unauthorized XXXX transactions, each for {$1000.00}, each to an account under the name " XXXX XXXX. '' I had PNC online banking but had never set up a XXXX account and never authorized any transactions. I immediately called PNC bank and put a freeze on my account. I flew back to Maryland and went in to my local PNC Branch on Monday, XX/XX/XXXX. I met with XXXX XXXX, branch manager, who advised that someone had broken into my PNC online banking and set up a XXXX account. Only one of the {$1000.00} transactions had posted, so XXXX said I'll keep an eye on the account and dispute the remaining two {$1000.00} transactions when they post. In the meantime unlock your account and change the password. She also advised that I file a police report with XXXX which I did. She indicated that the {$3000.00} would be remitted to my account in approximately ten days. The money was never remitted to my account, I got a letter in the mail from PNC saying my claim was denied. I elevated the claim because these were unauthorized electronic fund transactions under 15 U.S.C.A. 1693. I spoke to several people from PNC " Executive Client Relations '' after my claim was elevated. I spoke with a XXXX XXXX who advised that PNC Bank, XXXX. does not have the resources to consider all of the information and evidence that I had submitted and offered to submit to support my claim that these were unauthorized transactions, and that my claim was denied. I spoke to XXXX XXXX from PNC executive client relations who told me that this situation is " no different than losing a wallet full of cash, '' and that PNC has no obligation to remit money to a consumer in the event of an unauthorized electronic fund transaction. I feel like PNC Bank, N.A. is disregarding their obligation under federal law. I returned to my local branch after speaking to executive client relations and again spoke with XXXX XXXX who expressed disbelief that PNC Bank N.A . had denied my claim. She indicated to me that it's " obvious '' that I was the victim of theft and she could not comprehend why PNC Bank, N.A. was denying my claim. I did not set up any XXXX account nor did I authorize any money to " XXXX XXXX. '' Whoever stole my phone also tried to steal money from me via XXXX and XXXX pay, but these transactions thankfully were denied. | ||||||
| 02/08/2016 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX, and my family and I have been trying to secure a legitimate short sale on our home ( located in XXXX XXXX, XXXX ) and the Mortgage holding institution ( PNC Mortgage, & PNC HELOC ) has been offered a very strong, legitimate bid from a very solid buyer, but neither are agreeing to the others terms for settlement. This is forcing my family to fall victim to a completely avoidable foreclosure which would be extremely difficult for me and my family being that I am a XXXX with an active Security Clearance, which must be maintained in order to keep my job. I was transferred ( XXXX ) from XXXX to XXXX for my job, and since I am unable to live in the home, I must sell it in order to avoid paying double mortgage & rent payments. We purchased the home in XXXX, and the house is currently underwater ( at least 20 % negative equity ), and for me to sell it, I need to sell short. Additionally, our ARM mortgage payments doubled the end of last year, making it impossible for me to afford those expenses on my current government paycheck and expenses. Needless to say, we do n't have the funds to cover the difference in cost. Also, in order to process this short sale, per the requirements specified to me by the PNC representatives I spoke to, I needed to miss mortgage payments for at least 3 months before they would consider processing a sale. This has been happening since XXXX XXXX. This means that my credit has taken a massive downgrade and my ability to ever purchase or rent property with my current credit rating in the near future has been extremely jeopardized. I am being represented by a Real Estate professional in XXXX, as well as a legal negotiator since beginning this process, but they have been unable to get these XXXX sides of the same coin to agree to each others terms. And we are the ones who are continuing to be the victims of this incompetence and corporate selfishness. First being the housing crisis, and this being the second. As of last Friday ( XXXX XXXX, XXXX ), the XXXX PNC Mortgage still wo n't accept the terms offered by the XXXX, and our lawyer ( Realtor 's lawyers ) have all but quit trying, since even with my threats to file a law suit, and call my congressional representatives wo n't help them finalize. Also, after more than 3 months of trying to get a new buyer into the home, which will secure for PNC more than XXXX % of the total amount of the original note, the current buyer is expected to back out in order to find another home which they can get into faster. This means that my family will now be forced to wait for another buyer who probably wo n't offer near what this one did, if we can find one at all, considering now we have a history of an uncooperative bank who is n't willing to negotiate with each other in order to finalize a sale. Can the CFPB help us resolve this issue? I am willing to forward all details of the situation upon your request. | ||||||
| 10/10/2018 | Yes |
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| On XX/XX/XXXX, while traveling in XXXX, I tried to use my ATM bank card to withdrawn local funds in XXXX at a mall. The ATM machine seized my card for a minute without dispensing cash yet I was debited {$65.00} from my checking account. I reported this to PNC over the phone and a dispute case was started. On XX/XX/XXXX, I logged on to my email and PNC bank account only to find out that there had been a series of checks of {$200.00} from a " XXXX XXXX '' written out to " home care '' drawing money off my account on a daily basis up until when I first noticed it on XX/XX/XXXX. I called PNC bank and spoke to a representative who transferred me to their escalation department- XXXX at XXXX. She reported that she would start an investigation on this. I learned today that PNC did not open an investigation until XX/XX/XXXX. On XX/XX/XXXX, I continued to report my complaint at which point my card was cancelled. At this point during my report to PNC, a XXXX, XXXX at XXXX informed me that she was now assigned to my case from the same department. She requested that I change the PIN and security details on my card which I did. I subsequently online transferred all monies out of my checking account to a virtual account with PNC to prevent any further automatic withdrawals and informed them what I had done. At this point, XXXX indicated that she should have thought to have asked me to do that before and she subsequently placed a hold on my account. I informed her that I had several bill pays due during the month at which point she stated that I should inform her when I wanted the hold removed temporarily. Despite the hold on my account, on XX/XX/XXXX, the checks continued to draw out monies from my account, which I continued to receive email notifications about. I screenshot the emails and emailed XXXX with the information and called her to receive an update on the investigation. I left a voice message without response. On XX/XX/XXXX, I called PNC to receive an update and was informed by a representative that PNC had decided to close my account and relationship with me based on the volume of checks being drawn off my account. They informed me that it would be closed on XX/XX/XXXX. I responded to ask why I was being penalized for fraudulent activity that I had no responsibility in and XXXX indicated that it was PNC bank prerogative. She further informed me that while they would refund me the returned check fees, they would not refund the total amount of $ 3200+ drawn off my account by the bogus fraudulent checks. On XX/XX/XXXX, I requested a statement summary of my checking account which she informed me she would mail to my address. She then informed me that PNC was terminating their relationship with me on XX/XX/XXXX and that a certified check for my remaining balance would be mailed out. Again, no recovery of the withdrawn funds has occurred and no information of their investigation was provided. | ||||||
| 04/10/2017 | Yes |
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Web | Servicemember |
| To whom it may concern : Let me begin by saying I have never been made to feel so insulted and embarrassed in a business as I was in the XXXX branch of PNC Bank. Just before closing on Monday, XX/XX/XXXX at XXXX I entered the PNC Bank above to make a withdrawal. My withdrawal was for over XXXX dollars. I stated to the teller that I needed at least XXXX dollar bills. I was told they did n't have XXXX dollar bills in the whole bank to give me. She proceeded to give me a combination of XXXX and XXXX with about XXXX dollar bills. I explained I was uncomfortable carrying that much loose cash on my person and was told that because of a run on XX/XX/XXXX that the bank was short on large bills. At that time I asked to speak with the Bank Manager. I was introduced to XXXX and she gave me the same explanation. This all occurred while another teller was counting 'large bill ' cash within eyesight of us. I pointed this out to the Bank Manager, but instead of acknowledging it she became indignant. I had already told the teller to cancel the transaction and went to pickup my withdrawal slip and leave when XXXX reached for the slip, instead grabbing my hand. All the while she was raising her voice like a mad person. The exchange was quickly turning ugly and so at that point I moved to leave while she loudly ordered the teller ( so everyone in the bank could hear ) not to give me the funds, thinking she was punishing me. She not knowing I had already cancelled the transaction. Next she shouted that I should n't touch her when, in fact, she grabbed my hand. This was her attempt to further incriminate me ; making me look like the bad hombre. I knew at this point she was trying to stir up trouble and paint me as the villain. All I came into the bank to do was make a simple withdrawal. Instead I was shouted down and treated like an animal. All while being falsely accused. I have been a loyal PNC customer for many years and I do n't have an axe to grind with anyone on the staff at this branch. In fact, many of them know me on a first name basis and we are always cordial towards each other. But it appears XXXX feels she can take it upon herself to randomly attack and indict PNC customers. To say that XXXX response was unprofessional would be an affront to the word 'unprofessional '. At the very least she needs refresher training on how to treat the bank 's customers. I am writing to state my treatment was unacceptable and a direct affront to me and every other customer doing business with PNC Bank. We deposit our money in your bank and expect courteous and timely service when come there to conduct business. Instead we are castigated and belittled when asking for the smallest accommodation. Consider this the lodging of my formal complaint. Regards, XXXX Note : since this complaint was lodged with PNC - Retail Escalations XXXX has vindictively closed my checking accounts without my authorization | ||||||
| 07/24/2023 | Yes |
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| XX/XX/2023. I miss placed my card after paying for some thing at a restaurant I realized I left my card so I went back in and they handed me my card after going back to the restaurant which was XXXX XXXX and XXXX Michigan few days later XX/XX/XXXX my card was stolen. I filed a police report gave my financial institution which is PNC bank a copy of everything that they possibly needed. I did everything on my end. I disputed the charges they gave me a new card but they keep denying the claim it has been multiple charges it has been charges made in areas that I dont live in I live in XXXX XXXX it was a charge made in XXXX for {$700.00}. I dispute the transaction quickly. They have denied my claim at least three times. My account is overdrawn. I am one month late behind on paying my mortgage. Ive had multiple people to try and help me and XXXX me money in my account for me to be able to pay a bill they took the money because my account is completely overdrawn because they reversed, the claims with the charges I did not make it was another charge for XXXX for a hotel. I did not stay at. I filled out the paperwork and sent everything to them as well as the police report. They denied every single claim and now at this point, they are threatening to close my account due to it being overdrawn, I dont want to go into foreclosure I just want my money put back in my account I did not make the charges. Ive stressed this to them. Multiple times I spoke with bank managers I spoken with everyone I possibly can. Everyone keeps telling me it can take up to 90 days, I dont know what else to do if my purse phone everything was stolen I dont even have my car. My car has been broken and unable to get fixed due to lack of funds. I did not make that trip to XXXX all the credits that they issued me they reversed, which put my account in the negative. For XX/XX/XXXX it was a charge made in XXXX Ohio. For XXXX I dont live in XXXX Ohio . My bank at this point is allowing whoever stole my card to get away with it at this point I just want my money back and I just rather close the account and go to another bank but I just need my money back immediately. I do not want to go through a foreclosure. Its almost the first of the month which means I will be two months behind on my mortgage. The bank said to me the reason why they denied the claim is because I used my card that day. It dont make sense. Its my debit card. Of course I used my card that day up until it was stolen so it just dont make sense the reason for them denying me my money I received a XXXX I received money. I went to the ATM and withdrew {$200.00} I had a friend to XXXX me some cash and because of that they denied the claim it doesnt make sense and I feel like my own bank is scamming me by not refunding me my money after it was stolen and a police report has been filed and now theyre trying to close my account after they denied my claims. | ||||||
| 01/05/2023 | Yes |
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| XX/XX/XXXX - Created an ad on XXXX XX/XX/XXXX XXXX XXXX ad presented publicly on the website XX/XX/XXXX - Text message from number XXXX exchanged about the vehicle sale [ see attached ] XX/XX/XXXX - Text messages from number XXXX exchanged about the vehicle cost [ see attached ] XX/XX/XXXX - A USPS priority mail envelope containing a certified XXXX check for $ XXXX delivered to my home address XX/XX/XXXX - Deposited $ XXXX certified XXXX check to my PNC account XX/XX/XXXX - PNC Authorizes a $ XXXX domestic transfer for vehicle transport fee [ see attached XXXX ] XX/XX/XXXX - PNC text notification determines fraudulent $ XXXX check. XX/XX/XXXX - Spoke to the Loss/Stolen Card Department representative who froze my account XX/XX/XXXX - Text message received from fraudulent source demanding explanation for stop payment [ see attached text chain ] XX/XX/XXXX - Reported fraud to PNC bank manager and a representative. Both confirmed an internal bank investigation and the freezing my account. They suspended my customer services suggested that I report the fraud to the XXXX Police Department. XX/XX/XXXX - I filed a police report in XXXX [ see attached ] XX/XX/XXXX - Cancelled my work direct deposit as well as automatic withdrawals with PNC XX/XX/XXXX - Counseled with XXXX in the XXXX XXXX XXXX Department XX/XX/XXXX - XXXX PNC text demands I pay $ XXXX to them [ see attached ] XX/XX/XXXX - XXXX ( in-person ) Counseled with XXXX at the XXXX XXXX NJ XXXX XXXX. She inspected the envelope and shipping label. Declares the label a fake. Refers me to the NJ XXXX XXXX XXXX. XX/XX/XXXX - XXXX Counseled with XXXX in Consumer Affairs NJ Attorney General 's Office . He recommends a criminal lawyer as bank theft is not consumer related. Advises filing with the Federal Trade Commission, Consumer Financial Protection Bureau and the NJ Department of Banking and Insurance. XX/XX/XXXX - XXXX Called and counseled with NJ XXXX XXXX XXXX XXXX Counselor recommends return to bank. That, as the envelope was most likely not officially mailed, the fraud issue lies with the bank. XX/XX/XXXX - XXXX Called and counseled with XXXX in the Consumer Financial Protection Bureau XXXX Told me to file a complaint on-line with her office and to file with the police. That the FBI should be notified. Report where the fake certified check came from with the Federal Trade Commission. XX/XX/XXXX - XXXX Called and counseled with Consumer Support at XXXX. They request screenshots and emails from the fraudulent buyer so that they can block /discontinue the false activity from their end XX/XX/XXXX - XXXX Updated Police Report to file # XXXX with XXXXXXXX XXXX on at the XXXX Police Department XX/XX/XXXX - XXXX XXXX. XXXX from XXXX Police Dept. leaves a voice message on my number requesting follow-up XX/XX/XXXX - PNC correspondence postmarked XX/XX/XXXX, & XXXX, XXXX delivered to my home address [ see attached ] | ||||||
| 07/03/2018 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX. I am contacting you regarding a closed credit card account I opened with PNC Bank in XX/XX/XXXX. The purpose of this letter is to inform you that PNC Bank placed an item on my report, which is negatively affecting my credit score while I was, and still am, on XXXX XXXX in the XXXX. PNC Bank placed this negative item on my report and failed to remove it after the situation was resolved. I wrote letters to PNC banks escalation and credit report departments. I wrote letters to XXXX, XXXX, and XXXX reporting agencies. I paid XXXX XXXX XXXX to send letters to the credit bureaus to have them request the investigation in early XX/XX/XXXX to remove the 60-Day late payment XX/XX/XXXX listed on my credit report. In short, I was notified by PNC Bank in XX/XX/XXXX that someone was making payments towards my credit card balance and that this individual had been unknowingly making payments to my credit card account for the last 6 months because he thought he was paying his credit card account. I was confused when I heard this because I thought the automatic payments I set up had been deducted from my personal checking account on a monthly basis, which was not the case. In XX/XX/XXXX, I received a phone call from PNC outlining the circumstances and what was happening. PNC representatives told me I needed to make a payment of {$200.00} at that time in order to make my account balance current. The Bank apologized for the mix up, which, neither myself nor the other individual, were aware of for the 6 months this was happening. I then paid PNC Bank the {$200.00} and re-enrolled in the automatic payment program and the situation was, at that time, seemingly resolved. Though this situation was resolved, the Bank placed a 60-Day Late Payment effective : XX/XX/XXXX on to my credit score. This was a mistake PNC Bank made in confusing my account with another customer. My credit score was XXXX in XX/XX/XXXX and then it dropped to a XXXX as a result of this false report. I am asking you to provide justification for why that negative item is still on my report and to remove it immediately. Under the fair credit reporting act, please provide the reason you listed this negative item on my report and please remove this negative item from my report immediately. PNC Bank did not demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my credit report. PNC Banks negligence and failure to correct the errors outlined above have adversely affected my credit score and prevented me from qualifying for a home loan. I respectfully request your immediate assistance to rectify this situation. Please contact the data furnishers and investigate this problem and remove the negative item. I will take no time in detailing the second and third order affects my fair credit score has had on my financial health as a result of this inaccurate report. | ||||||
| 07/18/2019 | Yes |
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| Below is a copy of compliant to PNC customer relations that explains our compliant with no resolution from PNC as of today. Ms. XXXX, My husband and I filled out an Credit line application on XX/XX/2019 ( Collateral against home ). NOT a HELOC we did not want to refinance. Ms.XXXX was very knowledgably and explain exactly what we wanted. It was explained as a more relax process and quick closing process. it has been one thing after the next, its like rules are made up along the way from the underwriting team. On XX/XX/2019 I received a letter of CREDIT APPROVAL stating that we have met the credit and income qualifications for the loan. PNC is pleased to provide a Credit of Approval for your credit line! ( waiting for date to sign documents ) What a sigh of relief we let out. We begin contacting our creditors to get pay off quotes and bargaining for lower numbers, finally a lower interest rate and one payment, we can see light at the end of our dark tunnel. Spoke with Mr. XXXX XXXX he stated everything was on course but bank request a walk through appraisal, I ask was everything ok he stated yes and PNC is doing everything to get this loan to closing and if we could open PNC checking account we will save 0.5 % on loan and pay loan through PNC auto checking. After 's this conversation my husband and I activate our cards and set up the online app. XX/XX/2019 Mr. XXXX contact me & met me at our home I was taken off guard due to it was XX/XX/XXXX for us. I ask Mr.XXXX if we could say a simple prayer after 's he proceeded to walk through home expressing " your home is lovely ''. I pointed out all windows ( 25 ) hadbeen replaced the sliding doors to patio/deck both sets replaced with French doors etc. Mr . XXXX stated the windows and upgrade adds value to home. XX/XX/2019 Mr.XXXX called about XXXX XXXX stating someone will contact me about appraisal. I stated he came XXXX Friday which was a shock because it was good Friday I reiterate. Mr. XXXX stated he wasn't aware the appraisal had taken place but was glad so we could close. XX/XX/2019 I open my email seen PNC had emailed me twice stating loan updateand I will receive a notice via mail in 3-5 days ( I have spoken with Mr.XXXX often ) but Silence on this Monday and days to follow. I contact Ms. XXXX and inquired about the email. We begin to seek legal counsel for BREACH of TRUST, Falsified information, Poor & Lack of Communications. I reached out to XXXX on your side consumer team she stated this sounds like " XXXX XXXX '' fraud and theft scheme done by inside. WHY DISCRIMINATION only after the appraisal came things took a turn its a well known facts people of XXXX skin homes are appraised lower than XXXXXXXX Lead in Rejections for Home Loans, Homes in XXXX neighborhoods significantly undervalued ... XXXX : XXXX Looking forward to resolving this matter asap, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX | ||||||
| 08/03/2022 | Yes |
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| CFPB, I am writing this to gain your assistance with my short sale. My short sale file and closing are being held hostage by the PNC representative, XXXX XXXX. We have been approved, however, XXXX does not understand the buyer must be given a tax credit at closing. Essentially, in XXXX XXXX Illinois we pay taxes twice a year and a year behind. In XXXX of XXXX we pay for the first half of XXXX and in XXXX we pay for the 2nd half of XXXX. The second half of XXXX and XX/XX/XXXX is still owed as a tax credit to buyer. Here, XXXX is unpaid and owed the first half of XXXX on the XXXX tax bill because it wasnt paid. Approximately {$4300.00} or more will be owed for the XXXX half in XXXX and if you prorate from XXXX through closing of XXXX approximately XXXX is due at closing. $ XXXX ( a full year ) = XXXX ; XXXX per month for 10 months with an XXXX closing is {$7200.00}. He is shorting the buyer {$7200.00} from the sale proceeds which is not fair to the buyer or me. Would he buy a home and pay property taxes for the time the seller owned it? I dont think so. My attorney has spoken with PNC representative XXXX XXXX and she was very nice, understood and agreed a tax credit needed to be given. My attorney spent two days discussing this with her and he drafted a settlement statement to reflect the credit the correct way/the way she said to show it. We sent in the settlement statement and XXXX still denied. He keeps asking for documentation showing the taxes are owed. My attorney sent in tax documentation ( see attached ) from the county website, a video on how taxes are paid in XXXX XXXX and the number to the county treasurer for him to verify. My attorney also told him to contact PNC lenders on the home buying side to better understand how taxes are paid by his own organization. He blindly denied all, did NOTHING, and keeps asking for documentation. If documents from the county treasurer dont work, what more can we do? His colleagues understand it but for some reason he is at a loss or doesnt care to do the right thing. PLEASE HELP ME. All we need is for the tax credit to be given and more time to close through XXXX because the buyer doesnt want to spend money on an appraisal when he is being shorted his tax credit. XXXX keeps threatening my attorney if we dont close soon he will close out the file and we will have to start all over. My XXXX and health cant take starting over, Ive already had a XXXX, recently lost my mom, and filed bankruptcy due to this mess. I want this done with. With the tax credit and extended closing date, we can close and I can put this 4 year short sale hot mess with PNC behind me. Anything thing that can be done to help me is greatly appreciated. The property was damaged by fire and each day city liens and fines are growing. This can end with your help. I authorize CFPB and any media outlet authorization to speak with PNC. XXXX. | ||||||
| 08/14/2023 | Yes |
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| We are customers of PNC Bank. PNC Bank obtained our mortage when they bought National City Bank in XXXX. Our property/mortgage is the center of a Michigan XXXX Police investigation involving millions of dollars in real estate fraud and mortgage fraud. PNC became directly involved in the scheme when the individual under investigation contacted PNC and was able to obtain our personal and loan information from PNC in XXXX XXXX. We believe the fraudster was able to acquire the local taxing authorities ID number and used this number to obtain access to our loan information. We had been in contact with PNC numerous times for a year prior to this breach of our personal/loan information informing PNC of XXXX ongoing real estate/mortgage fraud investigation involving our property. In XX/XX/XXXX based on the false information provided by the fraudster at the center of the XXXX XXXX PNC initiated an escrow on our mortage more than doubling our monthyly payment. PNC did not reach out to us at anytime prior to altering our mortgage with the escrow account. XX/XX/XXXX, following months of XXXX PNC reversed our escrow and returned our monthly payment to its original amount. In XX/XX/XXXX, we obtained a court ruling that prohibited the foreclosure of taxes on our property due to the taxes being fraudulently assessed. Our attorney had been in contact with PNC prior to this XXXX proceeding and following. PNC was provided the Court Order in XX/XX/XXXX. In XX/XX/XXXX PNC filed a civil law suit against us requesting that we reform the legal description in our mortgage due to a mutual mistake. The incorrect legal description in our mortgage is not due to a mutual mistake. It is the result of the real estate/mortgage fraud scheme involving our property and under investigation by the Michigan XXXX Police XXXX No different than the taxing authority being prevented from foreclosing in XX/XX/XXXX due to our erroneous legal description, PNC can not foreclose our mortgage because of the incorrect legal description. In the Civil litigation we have attempted to obtain the information regarding the contact betweeen PNC and the fraudster. PNC is refusing to produce this information causing us increased litigation costs and delays. In XX/XX/XXXX, PNC was served with a search warrant by the Michigan XXXX Police. They have failed to produce the information requested. Further delaying the criminal investigation. PNC is reporting monthly to credit bureaus the deliquency on the invalid mortgage on our property. It has destroyed our credit score. PNC prides itself on preventing mortgage fraud but when caught in a mortgage fraud scheme instead of assisting the victims ( their client ) and the investigators they are chosing to obstruct the criminal investigation and pursuing civil litigation instead against the victims of the mortgage fraud scheme - their clients. | ||||||
| 06/13/2023 | Yes |
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Web | Older American |
| On XX/XX/2023, I engaged a company called XXXX XXXX XXXX located in XXXX XXXX XXXX to relocate me to XXXX, TX. There was a deposit required in the amount of {$1200.00}. When the deposit was made, I was informed by the companys representative that I had 72 hours to cancel the contract. A few hours later, I was curious about the company. So, I looked up their service reviews and found the comments about their service and business to be horrible especially a review they received on XX/XX/2023. At approximately XXXX. On Saturday XX/XX/XXXX I called XXXX ( the representative ) 4 or 5 times on his cell number and I left him a voicemail to call me about their reviews. Additionally, I typed him a message stating I want to cancel the contract. And, given it had only been a couple of hours since the initiation of the contract, cancellation should not have been an issue. Moreover, I placed a message on the XXXX XXXX page to also cancel this contract. Of fact, is that XXXX repeatedly reassured me that if I wanted to cancel, I can cancel within the XXXX hour timeframe. Subsequently, I called PNC Bank the evening of XX/XX/XXXX and spoke to a customer service representative of the bank. I initiated this action because I wanted to ensure XXXX could not access monies in my checking account. I was assured in no uncertain terms by the representative that no monies would be taken from my account since I had called advising of the cancellation of the contract. However, on XX/XX/XXXX, I learned that PNC had honored a request from XXXX to pay the {$1200.00}. It is of note that at this juncture, I had only {$100.00} in my checking account. PNC arbitrarily accessed my savings account and took the money out of this account without my knowledge and my approval. Their actions placed my checking account in a delinquent status whereby I had to transfer {$1200.00} from my savings account so the account would not be negatively impacted. I initiated a Dispute Action through the bank in an effort to retrieve the money they transferred to XXXX but was advised that there is nothing they can do. And, therefore, I have lost {$1200.00}. I submit PNC Bank should not have honored the request because there were insufficient funds in my checking account. Furthermore, PNC Bank did not have my approval to transfer monies from my savings account to my checking account under any circumstances. To that end, PNC Bank operated in a manner that was prejudicial to my interests and subsequently placed my finances in a compromising position. I am a XXXX XXXX XXXX senior citizen on a fixed income and put my trust in my financial institution. I just want to be whole and I believe if the bank would have honored my request, this action would have never transpired. I feel taken advantage of for being talked into providing a deposit as well as PNC Bank not honoring my request. Thank You. | ||||||
| 07/25/2023 | Yes |
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| Reference PNC internal Claim # XXXX We are writing to file a formal complaint against PNC Bank regarding their failure to endorse or return the insurance funds issued by XXXX to repair our home after the severe storms in California earlier this year. Despite the Federal Government and State declaring a State of Emergency, mandating the immediate release of these funds, PNC Bank has shown a complete lack of responsiveness and accountability in handling our legitimate claim, and ambivalence to the civil and Federal codes it is violating. Details of the Complaint : XXXX. Non-Endorsement of Insurance Funds : After experiencing severe storms in California, we were entitled to receive insurance funds from XXXX to repair our home. However, PNC Bank has continuously neglected to endorse the funds, leaving us unable to initiate the necessary repairs and recovery process. XXXX. Lack of Assistance and Deliberate Delay : Numerous attempts have been made to approach PNC Bank for assistance in releasing the funds, yet they have either outright refused or deliberately prolonged the process. This prolonged delay has caused significant distress and financial hardship on our part. XXXX. Forced Withdrawal from High-Yield Interest Accounts : Due to PNC Bank 's refusal to release the insurance funds, we have been left with no choice but to withdraw money from high-yield interest accounts in order to pay vendors for the essential repairs. This has resulted in significant financial losses on our part. XXXX. Violation of Legal Rights : By withholding the insurance funds without any reasonable justification, PNC Bank has flagrantly violated our legal rights as a customer. XXXX. Claim for Lost and Earned Interest : The insurance funds totaling {$20000.00} have been held by PNC Bank for an extensive period of XXXX weeks. Given the current interest rate of 4.6 %, we demand compensation for both the lost interest on our funds during this time and the earned interest we would have otherwise accrued. We seek prompt action and resolution from the CFPB to address this matter. Our situation is urgent, and we require the immediate release of the insurance funds owed to us by PNC Bank, as well as appropriate compensation for the financial losses and distress we have endured. Please note : At this time, all vendors have been paid for their services through other funds that we have available that are separate from PNC. However, PNC remains to retain funds at this time. We trust that the CFPB will conduct a thorough investigation into this matter and ensure that PNC Bank is held accountable for their actions. We eagerly anticipate a swift and satisfactory resolution to this distressing situation. Thank you for your attention to this matter. Please feel free to contact me at the provided contact details if you require any further information or clarification. Sincerely, | ||||||
| 11/09/2023 | Yes |
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| On XX/XX/2023 I submitted an inquiry to PNC Bank on our HELOC regarding the payoff amount for our loan. I received a figure that was good for that day and I subsequently paid the amount shown, {$61000.00}. To my surprise, this created a credit on the account in the amount of {$110.00}. I waited over XXXX months and the credit never went away so I wrote a check against the account for that exact figure, {$110.00} to XXXX out the balance. About a week later I received a check ( advance ) from PNC for {$110.00}. I did not cash the check and called them to instruct them to stop payment. I was told it would be handled but could take up to XXXX days! In the meantime, PNC was charging me interest on the {$110.00} even though I never cashed the check. Some weeks went by and I started to receive late payment notices, calls from debt collectors, so I called PNC again to determine the status and they had no record of my previous call or instruction to stop payment. At this time I asked for a supervisor to and of course none were available. The next day I got a call from an individual name XXXX who told me he would handle the stop payment and assured me nothing would be reported on my credit or go to collections. XXXX was able to stop the payment ; however, the interest that accrued on the check I never cashed was not waived and I waited another month anticipating that would go away as there was never actually a balance in the account to accrue interest on. Fast forward to a couple of weeks ago and now my balance continues to grow and I am being assessed late payment penalties. I have given up on PNC to correct the issue so I pay the balance due ( total balance outstanding ) of {$1.00}. It's not much but I don't actually owe them that. After the payment clears I check back and somehow I owe an additional {$.00}. Frustrated, I go online to make another payment and I can't. I can not make a payment less than {$1.00} nor can I schedule to pay the balance due, the website simply doesnt allow me to. I call again, ask the lady to waive my balance of {$.00} so this can go away. She happily submits the request and told me it will take up to XXXX business days to process. We are now sitting at XXXX business days still with no resolution and more late payment notices. Finally, I check online today and the balance of {$.00} is still there, so for the heck of it I check the payoff amount and its {$100.00}! Why? If this isnt fraud I dont know what is. I am not closing the account merely paying off the balance and I only owe {$.00}. At this point they have given me incorrect payoff amounts, sat on my money for over 2 months, charged me interest on checks they sent me I never requested or cashed, and continue to assess late fees and penalties for money I don't owe them. The kicker is I've called them at least XXXX times and no one can resolve this for me. | ||||||
| 09/14/2016 | Yes |
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| I am filing this complaint about PNC Bank for what I believe to be confusing marketing practices aimed at tricking existing PNC Mortgage customers into opening a new PNC Bank account. My wife and I have a mortgage through PNC Mortgage. Yesterday we each ( separately ) received letters in the mail suggesting we needed to go online to set up a PIN number. It appeared we needed to do this in order to set up " online banking '' so we could " access ( our ) accounts ''. The letter itself came in the type of " snap out '' form that often is used for sending checks, or for sending official notices relating to things such as proxy voting for shareholders. It was not in the type of glossy, colorful envelope that is typically used for marketing purposes. So, as the only relationship I have with PNC is my mortgage, I naturally assumed this was some sort of formal notification or communication relating to my mortgage. I began the process of setting up online, because I will need to access my escrow information at tax time ( interest paid, insurance, etc. ). But I grew suspicious when the online " setup '' process began asking for more information than I thought would be necessary for simply setting up online access to my mortgage account. So I called customer service, concerned that this may be a form of " phising ''. They told me that they were aware of this letter. It was in fact sent by PNC and was valid. According to them, they wanted to offer their mortgage customers the ability to " access additional banking products and services '' at PNC. In short, they wanted me to set up a new bank account. The form letter they sent out did not at all make this clear. It does not clarify that they are sending this to existing mortgage customers and that they are soliciting these customers to set up a new account. Instead, it appeared to simply be telling us we needed a PIN in order to " access ( our ) account '' online. On closer examination of the letter, I now see that they use the words " online banking '' but they do NOT use the words " establish a new account '' or " an additional account '' or anything that would clarify to the reader that they are trying to sell us additional accounts, products or services. In addition, to most folks ( at least myself an my wife, both of us have Masters Degrees ) the term " online banking '' when used in the context of PNC Mortgage simply means " online access to the mortgage account ''. This seems to me to be an extremely misleading way to trick people into opening accounts that they do not wish to have. In light of recent XXXX XXXX actions - where their employees were setting up new accounts without customer knowledge - this letter from PNC seems to be a twist on that same thing, except in this case, they are simply trying to mislead existing mortgage customers into setting up new online bank accounts. | ||||||
| 02/25/2022 | Yes |
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Web | Older American |
| 1. On XX/XX/XXXX the dishwasher in my house failed and released water. The house is a raised ranch built in XXXX. Most of the damage was drywall and related which affected the lower, basement level. 2. On XX/XX/XXXX the insurance company paid out ~ {$100000.00}. In a check payable to me and lender PNC BANK. 3. I sent the check to lender PNC BANK. 4. I explained in great detail and included pictures to document that it would be non-economical to make repairs as the house sits on 4 acres of prime wooded land in the City of XXXX, and that the highest and best use of the site is eventual tear-down of the single structure on the house and development of multi-housing sites. 5. The Hazard Insurance clause in the HELOC agreement states 4 Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, provided such restoration or repair Is economically feasible or if the security of this Mortgage is not thereby impaired. If such restoration or repair is not economically feasible or if the security of this Mortgage would be impaired, the insurance proceeds shall be applied to the sums secured by this Mortgage, with the excess, if any, paid to Borrower. 6. Lender PNC BANK refuses to allow the insurance proceeds be used to pay down the HELOC balance which is {$250000.00}. 7. This is the latest email thread from XXXX XXXX XXXX. PNC BANK intends to sit on the money for years until the mortgage is paid down to {$100000.00}. This is a breach of the HELOC paragraph 4. XXXX XXXX is an attorney at XXXX XXXX, and PNC BANK is XXXX XXXX client RE : XXXX XXXX PNC XX/XX/XXXX XXXX : PNC has advised that it will not apply the proceeds to the balance. You will either need to apply the proceeds to the repairs or the funds will remain in restricted escrow until the loan is paid in full. I wanted to communicate this to you in advance of the hearing tomorrow in case you wanted to proceed on our motion to dismiss. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX, XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX, XXXX XXXX Subject : RE : XXXX XXXX PNC Thanks, XXXX : I dont make the call so I have to wait for PNC to advise and I will be in touch. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX Subject : Re : XXXX XXXX PNC EXTERNAL E-MAIL - From XXXX XXXX : XXXXhats a no brainer. Comps for 4 acre wooded parcels or similar w/in the City ( not unincorporated ) See attached 2 docs On Tue, XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : XXXX : I am waiting to hear back from PNC as to whether it will apply the insurance proceeds without an appraisal or other confirmation that the security interest has not been compromised. I will be in touch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/10/2018 | Yes |
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| The Loan Estimate ( Good Faith Estimate ) disclosed estimated property taxes for the LENDER ESTABLISHED escrow period to be collected at Settlement of the loan. The GFE- LOAN ESTIMATE - disclosed 10 months {$350.00} a month would be collected at Settlement on the HUD 1 ( {$3500.00} ) Closing Discclosure for XXXX property taxes. 12 CFR 3500.17 ( c ) ) ii ) affirms property taxes may be collected from the date the property taxes were last paid until the date of the first payment for the escrow account for the escrow period. XXXX was the date established by the lender as the first month for the escrow period. Per Regulations, the lender was allowed to estimate for the GFE and collect on the Closing Disclosure ( HUD-1 ) charges from when the property taxes were last paid ( XX/XX/XXXX ) until the month of the first payment into the escrow account in the established esrow period by the lender-XXXX .XXXX TEN ( 10 ) MONTHS FOR XXXX PROPERTY TAXES ; XXXX XXXX XXXX The estimated property taxes for XXXX were XXXX..XXXX and paid by the lender as {$320.00} per Texas Property Tax Code 28.01. Should have disclosed 10 months @ {$26.00} per month for XXXX property taxes- {$260.00} for the GFE and the HUD-1 to be collected at Closing. Why was the lender allowed to collect on the CLOSING DISCLOSURE- ( HUD-1 ) an EXCESSIVE amount of XXXX property taxes. HUD-1 ( Closing Disclosure ) the lender disclosed {$1500.00} was collected at Closing- Disclosed as {$3500.00} on the GFE Loan Estimate and {$1500.00} on the Closing Disclosure- HUD-1. WHY the unreasonable difference on DISCLOSED loan documents? Each amount disclosed was not accurate by facts from the XXXX XXXX. WHY was the lender allowed to NOT DISCLOSE XXXX property taxes on the Loan Estimate or on the CLOSING DISCLOSURE. TO THEN REQUIRE UNREASONABLE INSUFFICIENT DEPOSTS TO DISBURSE INACCURATE PROPERTY TAX CHARGES FOR XXXX NOT DISCLOSED ON THE LOAN ESTIMATE OR CLOSING DISCLOSURE? 12 CFR 1024.38 ( 11 ) requires WRITTEN EXPLANATIONS AND CORRECTIONS FOR ERRORS DESCRIBED in the Error Notices ( QWR ) submitted XX/XX/XXXX and XX/XX/XXXX within time restrictions of SUBMITTING QUESTIONS REGARDING THE LOAN SERVICING, WHICH HAVE NOT BEEN, WERE NOT ANSWERED BY THE LENDER/SERVICER IN A LETTER FROM XXXX XXXX, WHO WAS NOT THE LENDER OR SERVICER OF THE LOAN. WHERE ARE THE FINANCIAL PENALTIES, FINES, CORRECTIONS FOR THE INVALID NOTE AND SERVICING ERRORS IN THE NOTE BY THE CFPB to be assessed by the Bureau? Where are my WRITTEN COMPLETE AND CORRECT ANSWERS to THE QUESTIONS IN THE QWR 'S REGARDING AGGREGATE ACCOUNTING ERRORS AND DOCUMENT COMPLETION ERRORS AND ALL OTHER FINANCIAL COMPUTER ERRORS FOUND IN THE INVESTIGATION BY THE LENDER OR REGULATORS AS AFFIRMED IN 12 CFR 1024.35 ( b ) ( 11 ) Evidence of receipt of the Error Notices ( QWR ) by the servicer in the time period has been provided but is available. | ||||||
| 05/24/2018 | Yes |
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| My dad passed away unexpectedly in XX/XX/XXXX and my sister and I inherited his house and his mortgage with PNC Bank. In XX/XX/XXXX I had to switch the homeowners and earthquake insurance to my carrier, XXXX, because my dads carrier wouldnt allow us to stay with them because we werent already customers. In late XX/XX/XXXX I received notice from PNC that the XXXX policies werent listing The Estate of [ My Dad ] as a beneficiary, and if I didnt get this corrected, PNC would force place a policy. I contacted XXXX on XX/XX/XXXX and three way called PNC - the PNC rep told the XXXX rep what the policy needed to say, and the XXXX rep made the change and sent the updated policy info to PNC with The Estate listed as an additional beneficiary. The PNC rep confirmed that they had what they needed and would not force place insurance. On XX/XX/XXXX I called PNC again ( since they have been horrible to work with and I dont trust them ) to confirm that all the insurance info was correct. I had a bizarre exchange with a rude PNC rep in which she made up a story about someone from XXXX named XXXX ( no such person exists in connection with my account ) calling her, but ultimately PNC confirmed again that the insurance information was adequate and that they would not be force placing the insurance. The following week I received the declarations page from XXXX indicating that The Estate had been added to my policies as an additional beneficiary, consistent with what PNC asked us to do. Then I receive a letter from PNC dated XX/XX/XXXX stating they force placed the insurance. PNC needs to remove the force placed insurance and refund my account because the house has already been insured through XXXX since XX/XX/XXXX. I believe PNC is a dishonest and unethical company who is simply trying to make extra money off a couple of sisters in the chaos following the sudden death of their dad. PNCs employees have demonstrably lied to me by making up stories about XXXX from XXXX calling them out of the blue to explain declarations pages. My coverage under the XXXX policies is wholly adequate - it lists The Estate as an additional beneficiary in compliance with how PNC instructed XXXX to update the policy. PNCs representatives confirmed on multiple occasions that the policies are compliant and that they would not force place a policy. As an insurance attorney, I can state that the XXXX policy is in compliance with the changes requested by PNC - to list The Estate as an additional insured - and the coverage is legally adequate to protect PNCs secured interest in the property. There is absolutely no legal reason that PNC needed to force place insurance on my dads house. I believe PNC force placed the insurance in order to extract extra money from me, thinking that they have worn me down with frustration and I wont fight them. I believe PNCs actions are in violation of law. | ||||||
| 09/01/2016 | Yes |
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| I filed a dispute with my pnc bank after I was charged for a hotel room that i canceled. I received a e mail with a cancelation code also.what I now belive happened was I was online booking my room and put in all my info credit card number name everything and waited for it to process and give me my confirmation information/ number.and it took a minute or so and went back to the main screen that I started on with none of my info in it. So I put all my information in it again put in for the same style room and requested top / high floor again exactly as I did 2 minutes before .I summit 's it and got my confirmation info within seconds .I received a e mail also with my hotel info .it has stated I had XXXX room reserved on XXXX XXXX .on XXXX XXXX I went on hotel webite and canceled my reservation for my room.I received a e mail also stating that my room is cancelled and with a cancellation number.I ended up staying in another quality suites on XXXX XXXX that was near the XXXX I canceled.but did't make that reservation untill XXXX the night of the stay. On Sunday XXXX XXXX I seen on my virual wallet bank app that I was charged {$160.00} for the room I cancelled. I called the hotel directly at XXXX and told them the situation they told me I had XXXX rooms under my name that XXXX was cancelled and XXXX was a no show. XXXX of the exact same rooms booked XXXX minutes apart.i expained I did't book XXXX rooms only the XXXX and I canceled it 5 days before my arrival date. They told me to call the XXXX number and they Can help me I was on phone for over a hour and got transferred to XXXX different people the last person being some kind of supervisor she told me that there was nothing she could do because it showed in their system that I had XXXX rooms booked and only XXXX was cancelled. She told me the date and time I made the reservations and the time was literally XXXX minutes apart. I explained that their reservation page timed out or freezed up not sure what happened but didt process the first time I tried making the reservation but did not receive a confirmation number or anything just went back to the main screen .So I did it all over again and got my hotel summary for the XXXX room and had to idea that the first room was ever booked .I did't receive a e mail for XXXX rooms only the XXXX .anyway she said she couldt refund it .So I went to pnc bank the next day Monday XXXX XXXX and filled the dispute. I sent in all the documents and info I thought would help but 6 weeks later I got a letter stating that the bank was going to take {$160.00} out of my account the next day on XXXX XXXX. It was send out the XXXX of XXXX but by the time I received it in the mail it was already the XXXX so I had a 7 hour warning of them pulling the funds out. As of now the funds are back out of my account. The dispute division said that they consider this case closed. | ||||||
| 11/01/2021 | Yes |
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| We are in the process of closing on a house. We have excellent credit scores and are putting 20 % down. After meeting all of the conditions stated in our conditional approval the bank went to schedule an appraisal. The first appraisal was ordered on XX/XX/XXXX to be returned on XXXX XXXX. It was cancelled by the appraiser. A second appraisal was scheduled for XX/XX/XXXX. It was cancelled by the bank. A third appraisal request went out XX/XX/XXXX but we did not see a scheduled date as it cancelled almost immediately by the bank. A fourth appraisal request went out at XXXX XXXX XXXX XXXX. We talked to the appraiser on the phone at XXXX XXXX. He stated that he accepted the job at XXXX XXXX on XX/XX/XXXX and it was cancelled before XXXX XXXX by the bank. Prior to starting the appraisal process we had no issues with the approval process. However, we corrected our loan application around XX/XX/XXXX to update one of the loan applicants race information to XXXX as it was previously noted that all applicants were white. Shortly thereafter we started to notice issues with getting our appraisal done with the bank constantly cancelling the appraisal orders. The bank is refusing to approve the loan without an appraisal even though all applicants have strong credit scores, no missed payments in their financial records, and are putting a 20 % down payment on the house which is a single address ( one household ). We have repeatedly called and emailed the loan officer and rest of the team at the bank requesting updates since we were made aware of the issues with the appraisal on XX/XX/XXXX. Additionally, we received a call on XXXX XXXX from one of the bank processing officers that our loan was on track. We asked about the XX/XX/XXXX appraisal and were told it was still on. However, the sellers realtor had talked to the appraiser and it had already been cancelled before XXXX XXXX. The loan officer at the bank claimed she first heard of the cancellation on XXXX XXXX. We emailed the loan officer on XX/XX/XXXX and she responded that she would have her manager call us with an update from a senior management official at the bank. The manager did not call on XX/XX/XXXX so we emailed the loan officer again. Two minutes later we received a call from someone who handles missed mortgage payments who knew nothing about our loan application and said they did not handle that area. We do not know for sure, but believe that race may have played a part in our difficultly in closing the loan. PNC Bank is stating that our closing date is XX/XX/XXXX. They moved our closing date prior to us even getting an addendum to our purchase agreement, when the loan officer stated that they could meet the XX/XX/XXXX close date. We have consistently told the bank that we will lose the property and that we are in the dark. No one has provided us with answers or a solution to our issue. | ||||||
| 08/30/2021 | Yes |
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Web | Older American, Servicemember |
| I'm a retiree living in XXXX with a bank account in XXXX, Texas. The only means I have of drawing money is through local ATM machines. My debit card expired at the end of XXXX, XXXX I had not received my new card by mid XXXX and phoned the customer service number for international ( XXXX ) clients. They told me my card was on the way. Great. The exploration date expired and still no card. I phoned again. This time I was told the card was sent out in mid-XXXX. I told them that the card was not received. They said they would send me another one, and report the first card as lost. So, on XX/XX/XXXX, mind you, 13 days without any access to my money, a card arrived. I tried to activate it, but the automated service told me the numbers on the card were invalid. I phoned customer service and they told me the card was the first card they sent ( although they said previously that card had been sent mid XXXX, *two months* earlier ) and that they could not activate it since it was declared lost. So, they told me they would send me another card and to expect it within 7 to 10 working days. Remember, that would mean over 20 days that I have not yet been able to access my money to live on. I phoned again on XX/XX/XXXX and this time talked to a specialist. He said he understood my plight and would expedite my card, and I should receive it with 3 to 5 days. 3 days later a card came, but it was the " lost '' second card, and I was told I could not activate it. So, where was the 3rd card, the one I was supposed to get in 3 to 5 days? I haven't received it yet. I phoned again and was told the card was XXXX and was to be received by XX/XX/XXXX. ( What happened to the 3 or 4 days I was told I would get it? ). It looks like I have been consistently lied to, told the card was on its way, when it wasn't, that it was sent in XXXX when it wasn't, that I would receive it in 3 to 5 days, and then 2 weeks later I have yet to receive it. Somewhere along the way they claimed their card vender was behind schedule, but I don't know if I believe that now. And I doubt I will get the new card by XXXX XXXX, like they say. So -- to rehash, my card expired at the end of XXXX. XXXX is in 2 more days and I still haven't received a valid card. I am an old guy depending solely on my debit card to finance my life. I HAVE NO OTHER ACCESS TO MY MONEY. My wife and I are living on modest funds she set aside for her XXXX year old mother 's funeral, when the time comes. I should point out that the bank, Compass Bank BBVA is transitioning to PNC bank in Texas. I should also point out that their customer service is terrible. Not only have they lied to me, they are at times hard to understand, at least twice they accidently disconnected my phone conversation. And, did I mention, they lie. As I told them on more than one occasion, " THIS IS OUTRAGEOUS. '' Someone's life is at stake. | ||||||
| 10/31/2023 | Yes |
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| This is in reference to the dispute filed against XXXX XXXX from XXXX On XX/XX/23 I was contacted by a local plumber service- that then quoted the amount & then I gave the gentleman my contact number were XXXX XXXXr XXXX XXXX This is who XXXX XXXX is! XXXX They quoted over the phone - also text messages from the picture attached. {$110.00} then the service call to be added {$63.00} a total of {$180.00}. I sat the appt upon arrival I was met with a gentlemen who gave me an XXXX which I signed for service. The quote was {$180.00} to repair a gasket around a basement pipe. I sat upstairs for the XXXX min until he repaired the service after the ladder arrived- his partner then ask for payment- I gave him my PNC debit card for payment of {$180.00} that I was quoted & at that time he said it was declined???? I then ask how much did he run it for bc at that current time there was {$390.00} in my account. He proceeded to tell me {$1000.00}!!!!!! I said no sir!! Are you insane- this was not approved or authorized- not to mention quoted. Basically when he swiped the card he took every DIME TO MY NAME bc the {$1000.00} wasn't in my account. So it took what I had which was {$390.00}! These XXXX can't even give you a tital bc they made it up!! They said {$390.00} bc if you will look that's what I had to take & all I had to take!!! This is a total scam & rip off! We then had words & I ask him to leave my home immediately- I placed a call to the police at that time- they finally left! Services not completed fully either!!!! I then called PNC where I was directed to call back after the charge post to my account which posted XX/XX/23! I went 2 days with no money due to this company!! I was given a provisional credit & told I would be emailed or mailed a letter to provide my side of the story & any evidence! Especially bc he lied about the total when arriving and singing then swiped my card for what they wanted to which WAS AM ENTIRELY DIFF AMOUNT and not what was promised & quoted!! I have been a customer for MANY MANY years WITH PNC! I have family that bank here bc we live all in the same community- I'm very disappointed I was done this way! I woke up Saturday XX/XX/23 to find {$270.00} was deducted from my account with no prior notices- emails- calls- mailed letters! ( Oh by the way the letter PNC mailed was in the mailbox that Saturday morning from PNC when you took the $!!! ) How terrible to do your loyal customer this way? I didn't get to provide any of my truths- evidence or side of the story on top of what I was promised! Just 3 months down the road PNC comes into my account & takes out the provisional credit that was given!!!!! Now Im overdrafted of {$270.00} now after you applied the other monies to the merchant! I have been with this bank 10 years - as well as my family and business associates!! Shame XXXX XXXX is a FRAUD & SCAM! | ||||||
| 01/02/2022 | Yes |
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| On XX/XX/2021 I received a text first from XXXX I guess PNC saying that XXXX try to get a transaction for my account for {$140.00} and some change accept what this you yes or no I said no and I got a call from the bank it was PNC 's phone number the one XXXX someone they said from the security department I didn't have {$140.00} and some change in my account so they said the XXXX as trying to get a purchase somebody basically compromise your account then I have had this happen to me before I've never had it this bad postal PNC always keep pushing a merge with a new you used to go online banking to make a long story short PNC has made like I have been had something to do with the wire transfer I don't transfer money at the end of the day they can look on my put my social security number and and whatever they did satisfied them and see that I have no access to wire transfer I only have account with PNC Bank I don't know anything of this PNC is so quick to be the one to keep your money so that makes me think someone at the bank is stealing people 's money at the end of the day pnc was notified about this issue as well I have to see what was going on with that I would like a bee Pennies on my money returned to me because of the theft whoever that person was that called me I've had people call me like this before they knew everything about me they even called from the numbers that PNC usually calls for from and they trying to say all the scammers know how to set it up looking like it's their phone number well never lap if that's what you want to say at the end of the day PNC needs to do a full investigation and if the Consumer Financial can help as well a full investigation needs to be done with that bank in the employees and where this money is going at a pass cuz it's into it why isn't there a fraud fraud department I supposed to have a I have a fraud alert on my credit report also why is it that fraud are fraud department looking at things going on with people 's account if people have accounts that they always do the same thing I've been with them about maybe like 10 years maybe at the end of the day it's no way that this should should have never happen especially if you've been with banks for years I've been with that bank over 10 years this is not something that you have let happen to a customer the fraud department is even worse than the people in the branch also they told me that if I get my money back they act like they don't know where that wire transfer of monies went to PNC up severed by trust for them because I put my money in there in good faith and basically they have shown me that they could care less and did they do they act like they don't know where that money went to and who it went to I have several accounts that this incident has caused me heartache just about every account I have has with PNC has been tampered with | ||||||
| 11/27/2023 | Yes |
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| I was traveling in XXXX, XXXX when my phone was stolen from me. The person who stole my phone took it out of my hands while I was trying to call an XXXX on the side of the street. The person was riding a motor bike at the time, and escaped quickly, never getting off the bike during the entire episode. Unfortunately, the attack was sophisticated. My phone was open when it was taken out of my hands, and the attacker was able to gain access to my gmail and some financial accounts before I was able to suspend the phone line and erase it from my apple ID. The person who stole my phone successfully transferred {$1400.00} ( USD ) from my bank account to another account in an unauthorized transaction using XXXX from inside the PNC mobile banking app. I have disputed this transaction twice as an unauthorized electronic transfer. Both disputes were denied. When I called over the phone, they used the fact that I authenticated my account with a text message from my same phone number as evidence that I was using the same device. However, I have received a new device in a timeline which coincides with my account, for which I have insurance claims. I also have evidence showing that my XXXX account was hacked ( recovered ) right before the transfer of funds. I think these two facts alone are sufficient to draw serious doubt around PNC 's conclusion that I authorized the transaction. Why would I recover my own XXXX account to send a zelle payment, and why would it coincide with me suspending service to my new phone and filing an insurance claim that it was stolen and getting a new one. The fact that I have a new device is plain and easy to prove. It has the same number because they installed an electronic sim card remotely on my new device with the same number. Having the same number is not sufficient to prove that I was still in control of the same device. In the mail I was sent which explains the evidence used to reach the conclusion, two points are stated : " Evidence that the device reported lost or stolen continued to access the account after the login information was changed. '' " Login information confirms authorized user accessed the account. '' Both of these are inconsistent with my account and the electronic evidence I have regarding reporting the phone stolen, filing an insurance claim, and my XXXX account and other electronic accounts being hacked. I think it is clear that PNC is intentionally trying obfuscate the fact that they conducted a biased investigation so that they would not have to return the funds to me as is required by the Electronic Fund Transfer Act. They have been exceedingly unhelpful both in allowing me to submit additional information ( which I went to my local branch and pleaded with them to let me do when I filed the second dispute ) and in terms of being transparent about how they reached their conclusion. | ||||||
| 02/01/2019 | Yes |
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| In XX/XX/XXXX, my wife and I signed a Home Equity Loan ( HEL ) with PNC Bank. We began to make our normal monthly payments per the agreement. In XX/XX/XXXX, I decided to make extra payments to the HEL. I made our normal monthly payment for XX/XX/XXXX ( on XX/XX/XXXX ). I then initiated an additional payment on XX/XX/XXXX for {$1100.00}. At time of my submission, I noticed a check box asking if I wanted the funds to go toward the principle only. I left the box unchecked indicating that I wished this payment to go toward future payment due dates in order that the next due date of the loan would be pushed out one month. When this transaction was completed in the system, I saw that the due date had indeed moved forward one month ( the next due date for the loan had changed to XX/XX/XXXX - the extra payment did indeed go toward the XX/XX/XXXX payment. I then initiated another payment on this loan on XX/XX/XXXX for {$1100.00} following the same process as before ( which would go toward the XX/XX/XXXX payment ). After the transaction was completed in the system, I saw the next due date change to XX/XX/XXXX. I then continued to pay the HEL each month ( paying the XX/XX/XXXX charge on XX/XX/XXXX and the XX/XX/XXXX charge on XX/XX/XXXX ) and noticed that the due date continued to be pushed out two months ( taking into account the fact that I paid two extra months of payments in XX/XX/XXXX ). I then decided to make an additional payment on XX/XX/XXXX for {$1100.00} which allowed the next due date to be pushed out one more month ( making the next payment due date XX/XX/XXXX ). I have continued to make regular payments on the HEL since this time and saw the due date remain three months in the future. Then in the spring of XXXX, I received communication from PNC that they were going to be upgrading their systems. The system was upgraded and I did not think any further on this until XX/XX/XXXX when I noticed that the due date had reset and I no longer had the three-month buffer in the due date. I contacted PNC at this time in an attempt to have the three-month buffer on the due date re-established. I was informed by PNC that with the new system that I would no longer be able to push the due date out as I had in the past. I have attempted to remedy this issue multiple times since via phone and meeting with a person at our local PNC branch ( including submitting an escalation twice ). I do not remember seeing anything in my original agreement stating that I could not make advanced payments and, I was able to make these payments multiple times until the new system update in the Spring of XXXX. Now I am being told that my advanced payments are no longer valid. We Have talked to six different agents in an attempt to resolve the issue but without success so feel the need to issue a formal complaint with Consumer Financial Protection Bureau. | ||||||
| 12/27/2022 | Yes |
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Web | Older American |
| I was contacted by PNC via a letter. I was notified that I needed to sign a new signature card as my spouse had passed away over three years ago and the joint account needed to be modified. PNC requested I come into the branch and bring the death certificate and sign a new signature card. The letter warned that I needed to rectify the matter else the FDIC couldn't adequately insure the account. I scheduled an appointment with PNC on three ( 3 ) different occasions. With each appointment, the PNC Banker, was not present as scheduled. On at least two ( 2 ) occasions the PNC Banker was XXXX XXXX XXXX ( " XXXX XXXX '' ). She argued that with one appointment, there was a misunderstanding as to the day. I don't have any mental impairments and wrote down the date of the appointment as it was scheduled. On the last appointment, I went on XX/XX/2022, at XXXX and was told again, she was not present. In fact, no banker was present. The teller present contacted XXXX XXXX and she asked that I wait another hour until she could arrive. I was not told why she was even late. There was no weather issue on the date of my appointmt. Additionally, the teller was not even aware that I was even coming in for an appointment with XXXX XXXX. Later, XXXX XXXX told me that she was late because " life happens ''. I am an older woman who does not drive. With each trip to the bank, I had to take time out of my busy schedule and contact someone to take me to the bank over an issue that should not prevent me from losing my account or insurability of my account. With my numerous trips to the bank, XXXX XXXX should have proposed another way to resolve this matter, be it me proving the needed information to another individual at the bank and then sending me the signature page to sign or requesting I send in the documentation needed. I was not happy that in my conversation with XXXX XXXX, she lied that there was a misunderstanding on the date of one of our initial appointments. She simply was not present at the bank on the date of the scheduled appointments. She also lied after the most recent appointment and said she told the teller that I could leave the necessary death certificate with the teller. The teller never communicated that to me or my daughter who I called for assistance once I learned once again that XXXX XXXX was not present. PNC needs to ensure there is adequate staffing to resolve issues. Also, PNC needs to have employees that are solution oriented. I have banked with PNC for well over 40 + years. It was already hard to lose my spouse of well over 40 years but to have to continue to go to the bank and not be able to remove his name from our account ( which should be a minor inconvenience ) only adds to the stress of his loss. I need the PNC located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to do better in serving its customers. | ||||||
| 05/13/2022 | Yes |
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Web | Servicemember |
| XX/XX/XXXX, XXXXMy husband was scammed and initiated a {$30000.00} wire from our joint PNC bank account to the criminals. Less than XXXX minutes after leaving the bank, he called PNC customer service to see if it could be stopped. PNC 's employee looked it up and told him that the wire had not gone through yet and the criminal 's account was also with PNC. He was told the criminal 's account would be immediately frozen so that the money could not be deposited and that it would automatically be returned to our account, but it might take up to XXXX business days. That never happened and the account remained over - $ XXXX. ( Please listen to that call. ) FROM XX/XX/XXXX through XXXX XXXX both called PNC myriad times to explain that the account only had XXXX in it at the time of the wire, but the scammers somehow made it look like they " accidentally '' wired the money to the account ( as in it showed up when he logged in ). Why would PNC allow a wire for $ XXXX from an account with only $ XXXX in it? We were referred to XXXX XXXX, who works for their wire fraud department. He could not have been more useless and was unreachable. I spoke to XXXX XXXX from wire fraud. I also talked to a lady who told me NOT make payments on the $ XXXX line of credit that PNC immediately moved into the scammed account as an overdraft because PNC told my husband it would be fixed the day it happened. She said she'd note it on her computer. XXXX closed ( purged ) all of our accounts with them. I can not be added to the account my husband opened at XXXX because I'm on some list and my credit rating has dropped from XXXX to awful.We are in collections with PNC. They say we owe them the $ XXXX line of credit plus interest and late fees AND we also lost the $ XXXX we had in that account. WHAT WE KNOWWe fully understand it is not PNC 's fault that my husband was scammed and he originated the wire transfer and are not asking about that. WHAT WE ARE ASKINGI want to find out PNC 's legal responsibility after their agent told my husband on a recorded line that the receiving account would be frozen and the money would be returned to our account within five business days. What steps were taken? Did they do their due diligence/follow up/follow the law/do ANYTHING? Do they have ANY accountability at all? Did they do everything in their power to stop the transfer? Did they act in bad faith? Were they in breach of their contract with us when their agent said we'd get the money returned and instead we are in collections? Listen to the recordings of all of our calls to PNC starting XX/XX/XXXX until PNC closed the account and explain to me how they are not responsible for ANY OF IT even though PNC 's own agent said the wire would be stopped. I'm only attaching the latest bill for our line of credit since PNC closed our accounts and everything was online. | ||||||
| 02/23/2016 | Yes |
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Web | Older American |
| I have a mortgage with PNC. I had to declare bankruptcy in XXXX and have since paid off the bankruptcy. The PNC mtg co said l still owed some money for property taxes yet it showed I was up to date with all payments having been paid on time with escrow for taxes and insurance. They insisted there were back property taxes and were able to prove that was the case. I asked for a modification and they directed me to their website to print out all the necessary forms. During this time while l was getting all information together they stopped accepting my monthly payments saying the could not take payments while I was behind but my online account showed me up to date till XXXX XXXX. When they got to four months returning my payments the began foreclosure procedures against the home. I had sent in most of the modification forms, they had me change some several times and just as I got to the final date they said the did not receive a profit and loss statement I sent to them several times on the fax number used for all other submissions. As a result l had to start over. In order to not lose my home to foreclosure l filed for bankruptcy again and resubmitted all the documentation for the modification. The bankruptcy filing stopped the foreclosure, I would prefer not to file the bankruptcy the trustee and my lawyer have held off the filing of bankruptcy by certain language until I get a determination on the modification. They finally rejected my modification saying l did n't have enough income and l could ask for a short sale of deed XXXX lieu. My house has almost {$150000.00}. In equity. I have since then appealed the rejection of the modification on XXXX XXXX, XXXX this needed to be in by XX/XX/XXXXand now the will take until XX/XX/XXXX. I had added a statement from the State of New Hampshire showing they paid me just under {$6000.00} for XXXX this was for child care and I forgot to include it in the list of income for the modification. My complaint is noting all of the above efforts the mortgage co. Has run me around after a payoff on chapter XXXX and five years of on time payments the deliberately returned payments made on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to make me four months behind to foreclose on me. As a result I have had stress, my family has been torn apart my wife and l will probably end our 45 year marriage. Currently we are in the process of listing our home for sale. What this company has done to us is despicable. We were very good customers during the chapt XXXX pay off an the few months after. During the five year chapt. XXXX pay off period the offer XXXX trial modifications both time their terms we set at a time before we received the offer and we could not fulfill the terms although we kept paying the regular amount on time the first of the month for more than the amount offered. | ||||||
| 08/27/2020 | Yes |
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| This is a copy of the certified letter I sent to PNC. PNC Bank XX/XX/20 Corporate Headquarters XXXX XXXX XXXX. XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Dear PNC Representative, I have been a PNC member for about 20 years when your bank grandfathered me in from National City Bank. I have had a mortgage loan, home equity loan, checking and savings accounts. I mistakenly transferred {$2100.00} from my account at XXXX XXXXXXXX XXXX to a wrong PNC debit card number on XX/XX/20 at XXXX. The wrong number is XXXX XXXX XXXX XXXX. My correct debit card number is XXXX XXXX XXXX XXXX. My finger did not record the # 1 on the third set of four digits. When I realized the error, I contacted the XXXX Branch office and requested a dispute process. I understand this process can take up to 90 days. I receive a letter a week later indicating the dispute was resolved. I check my account and see that nothing was resolved. For the next several weeks in XXXX and XXXX I follow up this matter with dispute personnel. While the process of this matter is very stressful and frustrating, what is even more frustrating is the conflicting feedback that I am getting with the dispute personnel. The Ravenna branch manager indicated on two phone calls that he sees it and will forward it to the correct department to handle it. Another person said that nothing can be done because the account doesnt exist. Another person said that what I did was transfer real money and can not do anything and that people lose money all the time. I asked him to send me his answer in writing to me. He refused. This same person said, We dont have a system to get your money back. I tell him that his answer is not believable because the branch manager told me twice that he sees the error on his database. The one common message I am getting from your dispute people is that the process has to start/come from the bank you initiated the transaction. Twice I connect your people with the XXXX XXXXXXXX XXXX ( XXXX ) with phone number and name. They spoke. XXXX gave PNC the numbers that were entered and the amount entered indicating the first 6 digits are a PNC account. Again, I get the same message that the process has to begin with XXXX. Just yesterday I ask PNC dispute personnel to be specific about what is needed to process this matter. No specific answer is stated to me. Today, XXXX is writing a letter with this information and sending it to XXXX XXXX at XXXX. XXXX XXXX is the current PNC personnel addressing this matter. Having been a reliable customer for 20 years with multiple accounts, I am hopeful that this matter can be resolved in a positive way. If the account does exist, that PNC can contact that customer and request the funds to be returned. Your assistance in this matter would be greatly appreciated. Sincerely, XXXX XXXX | ||||||
| 08/31/2022 | Yes |
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| I closed on my New York co-op apartment in XX/XX/XXXX, with a mortgage through XXXX. During XXXX, I was granted a forbearance for an extended period of time. Late in XXXX, XXXX, which had been renamed XXXX Bank following its acquisition by XXXX, offered me a loan modification. The terms were very favorable, including a lower fixed interest rate, for a 40-year fixed term, and capitalizing the unpaid interest and principal into the loan balance. The end result would be lower interest and lower monthly payments. The new payment amount started in XXXX of XXXX and I have paid each month on time. Needless to say, I was very thrilled and pleased with myself but then XXXX sold off most of its residential mortgage portfolio to PNC Bank and that's when the trouble started. PNC on multiple occasions sent me loan modification documents to sign and notarize. I dutifully executed them but they also wanted a representative of the co-op to sign them, which the co-op lawyer adamantly refused to do so saying that it was the wrong form. After much back and forth, and my own research by speaking with several XXXX mortgage bankers and real estate lawyers, the consensus opinion is that the PNC form is fine but that there is no reason for the co-op to sign it because they have already executed the recognition agreement aka the " XXXX form '' at the loan 's inception. I provided a copy of this to PNC in case they lost any of the files in the handoff from XXXX. PNC says that the co-op needs to sign because they are on the deed to which the consensus response is that the deed is irrelevant because the real estate is not the collateral but instead the cooperative shares and proprietary lease are. PNC can't get that through their head and I'm not sure what to do. Part of me wants to sue them or raise a stink on XXXX. One lawyer suggested getting in touch with their collateral lawyer who would understand this problem but I can't get past their customer service people who seem clueless about cooperative apartment lending in XXXX. This is becoming very urgent because PNC wants to pull the loan modification offer, which makes perfect sense given the very favorable rates. If they do, I will either have to write them a check for over {$40000.00} ( no easy task ) or face potential foreclosure in the next few months. Also, at this point, I can't just refinance because rates have gone way up, which would make my already expensive mortgage, all the more unaffordable. So in summary, XXXX offered me a loan modification, which I accepted and then have made all the requested trial payments and continue to do so, but now the rug is being pulled out from under me and nobody seems willing or able to help me. I am really at my witts end so any assistance you could provide would be greatly appreciated. Sincerely yours | ||||||
| 09/11/2017 | Yes |
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| In stopping by PNC branch a few weeks ago to drop off a check, the person asked if we 'd like to obtain a lower rate on our credit cards. She said there were 0 % rates ( for intro periods ) for new accounts but also lower rates than we currently had which was 16.99 %. I did not have time to pursue this option at the time, but on XXXX/XXXX/2017, I called the number on the back of the credit card to learn more about lowering the rate or to go with another credit card lender who is offering 7.9 % variable rate with 12 months 0 % intro. The lady said she could not just lower the rate on a credit card account ( which has been done for me in the past when I 've called ). She said she could open a new card if I wanted to apply and get me another credit card, which I said I would rather just have my rate lowered because I do n't need a second card. After being transferred to three people over the span of 20 minutes, I finally was put through to a " manager '' who stated that " there are no other lower rates available '', which is a direct UDAAP violation because other people have lower rates than I do at PNC and how could she make a credit decision/pricing decision without doing any due diligence. She said she asked a co-worker who told her that all credit card rates are reviewed quarterly and if lower rates are available, PNC will automatically lower consumer 's rates. I find this hard to believe that PNC review 's rates every quarter and will lower existing credit card rates for all consumers and do not believe this is being done as I was led to believe. In the end, I was on the phone for over 20 minutes, spoke to 3 different people, was told lower rates ( 16.99 % ) are not available, told that PNC automatically reviews all credit card accounts quarterly and will give lower rates if people qualify ( which I believe is a lie ) and also refused to lower the rate on my existing account. I have worked with many banks in the past and I have always been able to negotiate a lower rate. In certain circumstances, I 've been told no and that is ok. But to directly lie to me and say no lower rates exist for PNC credit cards other than 16.99 % is a lie and to lead me to believe that quarterly PNC reviews everybody for lower rates, I believe is also a lie. I believe that someone needs to hold PNC accountable for pretending that they can not lower the rate on an existing credit card because 16.99 % is the lowest rate they offer and also to try and defer my concern by pretending that all cards are reviewed for better rates 4 times a year! My FICO score is over XXXX and my DR is well under any income threshold. This is a case where PNC is simply trying to lie to consumer 's to protect its own bottom dollar. Funny, the nice lady in the branch was advertising products that the credit card telephone persons do not know about? | ||||||
| 11/15/2019 | Yes |
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| On XX/XX/XXXX I became aware that my business partner had removed me from our business accounts after making exaggerative and false claims to the bank. The bank holds the operating agreement and never contacted me allowing her to not only remove me from the accounts, but to put old accounts on hold and open a new business account with only her name on the account. They have said that because I was not listed on XXXX here in florida as an owner on the account, but allowed up to keep running the account stating that the operating account was good in all it stated. The bank Manager of the XXXX XXXX branch XXXX XXXX had told us that the agreement needed to be updated to make it clear so my business partner and I did correct the document to meet the needs of the bank. Upon my partner, XXXX XXXX being made aware for a final time she needed to correct the way she was billing XXXX by me becoming aware she was breaking the law she went to the bank and had me removed. XXXX XXXX went to meet with XXXX along with her ex husband and claimed many false things and XXXX the manager of the XXXX XXXX XXXX branch at XXXX XXXX XXXX then proceeded to remove me and then he refused to speak with me about the matter in any detail at all. I then contacted the small business banking 1800 number who stated this seemed to be wrong on XXXX 's part as Forida law does count the operating agreement as ownership notice and the agreement clearly states 50/50 voting rights as well. I then found my way up to speak to XXXX XXXX who met with PNC banks attorney 's and came back saying that XXXX had made a correct choice in removing me. After speaking with the state they have made it clear that they should not have removed me in this manner and even more it goes as a breach of contract against XXXX XXXX XXXX XXXX. XXXX then proceeded to claim thousands of dollars of charges were fraudulent including monies that were paid to employees and helpers at the birthing center. She also refused to pay some employees as backlash for them being supportive of me. It is imperative for the safety of mothers who will deliver at the center and the financial livelihood of some employees and myself as a true owner that she is not allowed full control any longer. At this time XXXX XXXX is under investigation by the Attorney General and my fear is she will be using these business funds to use in her XXXX fraud case, the state of Florida as well as XXXX are starting an investigation against her for other issues along with XXXX fraud. XXXX XXXX has been able to steal from me at this point along with the government via XXXX fraud and the bank is enabling her by allowing her to put all business funds in a separate account. Even more than theft her carelessness has allowed babies to almost die and this stems from her having full control of the business funds. | ||||||
| 03/14/2023 | Yes |
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| Attached to this complaint is a copy of my credit report specifically the account which is inaccurately being reported by PNC BANK. I have previously sent copies of these inaccuracies to PNC BANK Also, attached is response letters by PNC BANK dated XX/XX/XXXX that has been marked in the red ink to show incorrect statements.. and blatantly, willful violations of the fair, credit reporting act and the fair debt collection practices act. PNC BANK is in violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In response to PNC BANKs letter dated XX/XX/XXXX The attached credit report ( attached ) shows that the information being reported by PNC BANK does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can PNC BANK be reporting accurately to the credit reporting agencies if each credit reporting agency has different information? the account number for the ( Pnc ) account does not match between all three credit reporting agencies The account type for the ( Pnc ) account does not match between all three credit reporting agencies the number of months ( terms ) for the ( Pnc ) account does not match between all three credit reporting agencies the high credit for the ( Pnc ) account does not match between all three credit reporting agencies the last reported date for the ( Pnc ) account does not match between all three credit reporting agencies The comments for the ( Pnc ) account does not match between all three credit reporting agencies The date last active for the ( Pnc ) account does not match between all three credit reporting agencies The date of last payment for the ( Pnc ) account is blank on all three credit reporting agencies ( In the two-year payment history ), from the date of XX/XX/XXXX to XX/XX/XXXX for the ( Pnc ) account does not match between all three credit reporting agencies the letter, states that the last payment Pnc received was XX/XX/XXXX for the XXXX cycle. ( Which admits that there was no payment in XX/XX/XXXX ). the credit report attached shows that Pnc indicated a payment in XX/XX/XXXX ( inaccurate ) because of the inaccuracy of XX/XX/XXXX the date of charge of is in accurate as well 36 separate violations of the fair credit reporting act proven in attached credit report letter from PNC BANK dated XX/XX/XXXX proves how many times I notified PNC BANK of these inaccuracies Because I notified PNC BANK more than eight times within a two year span makes their violations willful ( took longer than 30 days to fix the inaccuracies ) there is no way anyone with eyes can look at this credit report and not see the inaccuracies which equal violations | ||||||
| 05/05/2023 | Yes |
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| I opened a basic debit account with PNC close to one year ago at the XXXX XXXX, MD, location. My living situation was turbulent and I did not have my affairs in order. Having not made the proper arrangements for all of my mail to be delivered to the same location. A consequence of this was that I was not reviewing my monthly account statement. By the time I began to have a consistent place to stay, it had been a long time before I was able to notice payments start to bounce, when I knew I should have enough money. I checked an ATM, upon noticing I am around {$160.00} short, decide to drive to the bank and review my statements with them. I found {$510.00} of fraudulent recurring monthly payments dating back as far as my available statements did. Which I believe was XXXX of 2022. I attempted to login to the website of where the charges were coming from, but no login that I have ever used worked. This is an area where I am very consistent, so not knowing the password or username was a very obvious sign to me that somebody else was using my card. As well as confirmed that I, in fact, did not recognize that business at all. Upon review of these observations, I produced my findings to the fraud department of my banking institution. The first call " mysteriously dropped '' towards the end, even though the sounds my phone makes when a call is manually ended and when a call drops are distinct. I redo the entire process again the second call, and my card is cancelled and a new one reissued via mail. I receive no less than five letters from PNC denying my fraud claims before I have to drive back in to the bank again to physically be printed a card instead of continuing to wait for it to be mailed to me. I was told 3-5 business days, and it had been 9 when I made an appearance. Gas and food were getting tricky after so long without access to my own money. The letters did not enlighten me at all as to why most of the claims were denied. All I know is the fraud department failed an open and shut case very quickly after dodging my first attempts at reporting the fraud in the first place. I do not want to just outright say that they are somehow finding a way to steal from me with this mysterious recurring charge that nobody can figure out anything on. I will outright say, however, that they made the reporting process a nightmare and did nothing to prevent somebody else from stealing from me. I do not feel comfortable with them handling my money anymore. I have been banking with them for less than a year. I intend to close my account with them in XXXX after a payment plan through them has transpired. If there is a way for them to deal with some sort of consequence for losing my money when the point of a bank is to store it and and then attempting to deny that it even happened, it would help me sleep at night. | ||||||
| 12/27/2022 | Yes |
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| XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2022 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX On XX/XX/2022, I made several purchase one being in the amount of {$240.00} from XXXX. On XX/XX/2022 all purchase made for or on XX/XX/2022 had posted to my PNC bank account resulting in my account balance being {$28.00}. On XX/XX/2022, I received two notification from PNC bank stating that my account balance was below its amount and my account balance was at {$18.00} than I received another notification from PNC bank stating my account new balance is {$270.00}. When I accessed my account from my desktop I noticed now the amount for {$240.00} was nowhere to be found and when I used the feature offered by PNC bank to locate the amount and date, the PNC account told me the amount was nowhere to be found. Than on XXXX XXXX I was notified my account was - {$220.00}. Upon review of my account I noticed that another merchant had taken out XXXX and my PNC account had been re-debited again for the amount of {$240.00} from XXXX merchant on the same day. I immediately reached out to PNC bank the morning of XX/XX/2022, spoke to a representative who told me they would escalate the call to a supervisor. On the evening of XX/XX/2022 I spoke with a supervisor who told me that the XXXX merchant had withheld the funds and thats why they posted on the XXXX instead of earlier in the week. She also told me that my account was set-up for overdraft protection. Which is why another merchant was able to take the funds out of my account. Last, the supervisor insisted that another merchants payment was the reason my account was overdrawn. I explained to the supervisor that, this was not true as I saw the posted payment for XXXX in the amount of {$240.00} on my account on the XXXX along with other purchased made on the same date of the XXXX. I also explained that I had never had this issue with this particular merchant before. The supervisor insisted that the reason my account was overdrawn was due to insufficient funds for XXXX XXXX XXXX merchant in the amount of {$250.00}. I explained to the supervisor that this was an error on the bank and that I disagreed with what she was saying as I took photos of my account, because I knew an error had been made. The supervisor told me that I would accrual overdraft fees after the third day if I was unable to pay the XXXX XXXX in full. I told her that was impossible given I get paid bi- weekly and why was I being held accountable for a bank error. Upon disconnecting the call I received multiple messages from PNC bank stating that my account was over drawn due to the merchant XXXX in the amount of {$240.00}. I am seeking restitution for this error on the banks end. I would like all fees and the account to be XXXX so, that I may discontinue my services with PNC Bank. | ||||||
| 08/14/2022 | Yes |
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| PNC Bank and I have yet another discrepancy. Please beware everyone and sprint from this bank as quickly as possible!!! I have opted out of overdraft coverage, yet my account is overdrawn by almost XXXX. I called PNC and spoke with a XXXX or XXXX, on XX/XX/XXXX at around XXXX XXXX. She was very nice, but she did not help resolve my problem at all. I explained to her that my account was XXXX dollars and that I was confused because I have not opted in to overdraft coverage. I have screenshots showing that my account is " not opted in '' for overdraft coverage so one would expect for all of those charges to be declined. Yet PNC decides to let the overdraft swell to XXXX and I received an email message out of the blue. I always check my app and the computer version of my online banking and I had XXXX cents in my account on XX/XX/XXXX when I went to bed. The next morning ( XX/XX/XXXX ) I woke up to a message that I was all of a sudden XXXX in the hole when that was never what I saw on the app or on my computer. Mind you, it looks as if the charges that made me overdraft were not ACH charges that were going through. Why was this payment charge not declined if there were not enough funds to cover it? It was not an ACH charge. I did not opt into overdraft coverage for this reason. It looks like a slew of charges came through on the night of XX/XX/XXXX that made it become XXXX and some change overdrew. She explained to me that the order in which charges post is not the order that we see as a customer. She also told me that ACH charges go through automatically. My argument is that these charges were not ACH ( they were point of sale debits, payments, XXXX back-to-school haircut, etc. I would have NOT been spending money if my account had told me the correct available amount that I had in my account. I thought the point of having a " balance '' and " available '' on PNC accounts was so that I can see what my balance is versus what I actually have available to spend. I always see the " pending '' charges and those are usually subtracted to give me an accurate available balance from which I spend money. That was NOT the case this time! She basically told me that there was nothing they could do. I was told that I will now be charged XXXX dollars a day, every day until my account is brought back positive, for overdraft coverage that I did not opt into. I am a hard-working teacher and we only get paid once a month. There are about 10 days until payday. How am I supposed to pay XXXX ( XXXX X XXXX ) dollars in overdraft fees for coverage that I did not opt into? Please help... I am definitely closing this account asap. This is so crazy that a bank can even charge XXXX dollars a day for overdrafts- let alone for overdraft coverage that I did not opt into. I have had enough of PNC!! BBVA WE MISS YOU SO MUCH!! | ||||||
| 01/13/2022 | Yes |
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| I received a letter from PNC XXXX XXXX XXXX dated XX/XX/XXXX that stated my credit limit was to be decreased to {$1400.00} when it was previously {$15000.00}. This was absolutely devastating to my credit rating. I have been grooming my credit rating for the past 20 years so that it would be the best it could be because I wanted to apply for a mortgage. This devastating blow to my credit rating came 2 weeks before my pre-approval after having exceptional over XXXX credit rating for decades. PNC gave me no warning for this limit decrease. Nor have they done a good job of explaining the reasons for this limit decrease. I have not been referred to any documentation from them as to why this happened nor how it could happen from their regulations. I called PNC Credit Card customer service and was on hold, after being transferred to multiple departments, for a total of 2 hours. I spoke to Customer Service, multiple supervisors, and the Underwriting department. I was told to contact the credit bureaus for their reasons for the decrease. I called each credit bureau, explained the situation and asked each bureaus customer service departments why this would happen- if there was anything dubious on my report. Each one said that my credit was flawless and that I there was no cause for concern. I have an exceptional payment history spanning XXXX decades. I then had to call BACK PNC with this information, which they replied I was to respond, in writing to the Consumer Credit Bureau Investigations Department to which they would respond within 30 days. My letter was mailed on XXXX. I believe that this credit limit decrease was based on erroneous information or human error in interpretation of this information. I do not believe a complete and correct assessment of my credit information was made. Like I said, this has been absolutely devastating to my credit rating and to me personally. I have been saving for a home for almost 20 years and I cant believe that this would happen after I have been so careful - especially two weeks before I decided, after 20 YEARS, that this was the moment I would apply for pre-approval on a mortgage. This creates a biased and inaccurate view of my credit rating that does not take into consideration the decades of exceptional credit I have. This is impacting my qualifications and potential rate for a mortgage, which equates to me losing thousands of dollars over time due to their mistake. Please note too, that, I have been a customer of PNC since XXXX. PNC has a strong presence in XXXX, my hometown. My business with PNC travelled with me when I moved to XXXX XXXX and now XXXX. I very easily could have closed my account and went with a local, more convenient bank. I decided to support hometown institutions - and, will share my experience with others if this is not rectified. | ||||||
| 11/02/2017 | Yes |
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Web | Older American |
| My husband and I have had a joint account at PNC Bank for a while now. On XXXX XXXX, XXXX my husband passed away. On XXXX XXXX, XXXX, his social security check was dispersed to the account and I withdrew the funds as usual to pay expenses. The bank later withdrew the funds saying they did so because he had passed. I visited the bank and spoke with XXXX XXXX. She told us the bank placed a hold on the account pending a response from Social Security. My daughter and I visited Social Security to gain clarity. We were told they had not requested a refund from the bank as I was entitled to the funds because they were a payout from the month of XXXX when he was still alive. We went back to the bank to tell the representative we had met with what was said at Social Security, but were met with a denial. At that point the representative said the government had a hold on the account even though a couple hours before she said the hold had been placed by the bank. XXXX XXXX said we needed to meet with the branch manager who would return on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we met with the branch manager, XXXX XXXX. She stated she needed proof from Social Security that I was entitled to the funds. My daughter called the Social Security office and placed the call on speakerphone. The Social Security representative stated the same information as the representative we spoke with in the office the day before- that the bank should not have withdrawn the funds. However, XXXX XXXX stated they did not know their jobs even though the representative stated she would be able to send something to the treasury to the same effect. After waiting a few minutes, XXXX XXXX asked my daughter to contact the Social Security office again and ask if they could email the release statement directly to her and she would forward it to the treasury department. When my daughter called the third representative said she could not email it because of the confidential information. She also stated she did not see information from the treasury requesting the money back. She stated she sees the funds were paid to the bank on XXXX XXXX. She said if the bank chose to send the funds back, I could fill out an underpayment form to get the funds back. In the meantime, my check direct deposits into the bank tomorrow, XXXX XXXX and the bank is going to take my whole check to settle the overdraft fees they unnecessarily caused. I am left with no money to pay my bills and at XXXX XXXX XXXX I have no other source of income. The bank caused this error and are not hearing my pleas for help to stop it. They have been told my multiple people at Social Security that they should not have taken my money, but they refuse to put it back. Please help me get my money back before I lose my home. I am suffering enough from losing my husband of XXXX years. | ||||||
| 01/17/2023 | Yes |
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| I am a XXXX XXXX and I placed 2 travel alerts on my account as I have traveled XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sunday, I was able to make 2 transactions and my card would not work. I was unable to log in as online banking was not working at that time. I called in and waited 45 mins for someone to fix my card. Went back to you it and it declined. Called in, had {$0.00}. Spoke to PNC online and was told I had to call in. I call and was transferred to the fraud department. I came in VERIFIED! Lady states she told me I had to come in previously, but I had not talked to her before. I explained i put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my only source is income is my debt card. She would NOT inform me of what was going on with my account. I explained I am well over 2 hrs from any branch. She still wouldnt let know what is going on with my account. I ask for a someone else. And explain whats going on they looked up my location and stated I open an account online but its going to take 3-5 because I need to sign paperwork that will only go to my house. I go back to the fraud department and say, I understand that I need to go to a branch to open an account but I have no access to my funds! I need to get gas, food, I have to pay for my place to stay, my account is frozen and I have come through verified. Please lift it so I can get money! She says nope you should look into a XXXX or XXXX or have someone send me money! I explain all my money is tied to my account, my XXXX comes from my account, I pay my bills with my account, I cant have anyone send my money because its frozen and the money is just sitting there. She tells me No, I cant help you! I ask for a manager and she says shes an manager and wouldnt provide with anyone else. The only thing she can do is take a complaint. I try to give a complaint, she puts me on hold and says, theres nothing she can do. So I say how do i finish my complaint, she tells me its finished. I asked her whats in it and she states something like customer states that she received a call from an agent pretending to be a PNC rep and customer gave away sensitive information and compromised her account I explained I never said that I never got any calls from PNC, not even the usual automated call to verify debt! I explain again I never called about anything of that because I never got a call and you wouldnt tell me what was going on! She states she put complaint through. I reached back out on XXXX XXXX and was told my complaint would Be sent to the escalation department but that could take 2-3 days. I am stuck with no access until I get to a branch well over 2 hrs away from with no way to get gas to get there or a way to get food and shelter after my time is finished. I am in XXXX, XXXX XXXXXXXX which is well over 2 hrs to the nearest branch | ||||||
| 06/11/2015 | Yes |
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Web | Older American |
| I became XXXX unable to work. After sick and family leave ran out, I still could not return to work and was terminated. I could see that there were going to be problems keeping my mortgage payments up to date, so I called my mortgage to attempt a loan modification at a lower interest rate, which would allow me to continue to afford the payments. A modification was refused by PNC bank. I then made contact with HUD about my problem to find out programs I might be eligible for. HUD made contact with PNC regarding a modification, but PNC refused again. HUD then referred me to a state program called the Florida 's Hardest Hit Fund XXXX FHHF XXXX, a program funded by the mortgage company and bank penalties from the banking crisis. paid to the state of Florida. The program is designed to aid homeowners who have fallen behind in mortgage payments, as a result of a loss of income, in order prevent foreclosure. Additionally, the FHHF would also negotiate with participating mortgage companies for a loan modification. I applied to them and was deemed eligible XX/XX/XXXX. To be eligible for the Florida 's Hardest Hit Program, my bank ( PNC XXXX had to agree to cooperate, receive monies from, and accept the process of the FHHF program. I was told by FHHF that my bank had agreed to participate in this program, as had every major bank in Florida. Although I was deemed eligible for the FHHF and any foreclosure attempts were supposed to be stopped in XX/XX/XXXX, PNC started foreclosure proceedings in XX/XX/XXXX. My advocate at FHHF was surprised by the foreclosure proceedings, but reassured me that there would not be a problem and that PNC knew I was in process with the FHHF program and that there might be a clerical error at PNC. FHHF kept asking me for more paperwork XXXX 's for the same paperwork and documents again and again, which I would provide. I was told by my advocate that that the Florida XXXX was in some way stalling the process. Finally in XX/XX/XXXX, FHHF released funds to PNC of {$18000.00} and since has been paying my monthly mortgage payments. The XXXX has been paying my mortgage since that time, which with the {$18000.00} is a total of {$42000.00}. I have paperwork from FFHF showing that PNC has received these funds, yet does not acknowledge receipt of these monies to me or credit these monies toward the balance owed on my account. Additionally, PNC still is not working with me on a loan modification. I was told that any foreclosure proceedings by PNC should have been stopped once they received money from FHHF. I am getting the run around from PNC. PNC refused to talk with my FHHF advocate or myself saying that the case was in litigation. I have had to hire XXXX attorneys, to fight to save my home from foreclosure. I now have no attorney, but am still being threatened with foreclosure. | ||||||
| 11/17/2023 | Yes |
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| As a long time PNC customer of 2 decades or more including XXXXXXXX XXXX I am filing this due to the lack of resolution of a floating $ XXXX that has impacted my credit score and financial reputation/ status with creditors as well as lack of service recovery. As a registered nurse in administration I am very aware of how important customer service and empathy are to clients and I have not experienced that with my assigned PNC case manager the past two months. This unresolved issue has been ongoing since XX/XX/XXXX so I will try my best to abbreviate the timeline. Let me preface this by saying, most every PNC frontline representative I have interacted with has been extremely polite, providing personal attention and demonstrated empathy and care. But XXXX XXXX my assigned case manager ( XXXX ) has not. If he is good at the technical and operational aspects of his job, great ; but he should not be front facing with customers. He has been terse, displaying little to no empathy, inattentive and documented in my case records/notes that he called me and left a message when he did not. Abbreviated timeline as follows : XX/XX/XXXX - $ XXXX balance transfer check deposited into PNC ATM at my place of business ( XXXX XXXX ) XX/XX/XXXX check cleared and deposited into my PNC checking XX/XX/XXXX $ XXXX payment to XXXX XXXX from my PNC checking XXXX $ XXXX Check returned to maker ( XXXX XXXX XXXX ) RESULTING IN MY ACCOUNT OVER $ XXXX IN THE NEGATIVE XX/XX/XXXX Three PNC overdraft fees of $ XXXX generated XXXX Pulled $ XXXX from my personal NON-PNC savings accounts and deposited into PNC checking to cover the negative balance and cover automated withdrawals i.e. bills and mortgage XX/XX/XXXX XXXX provided me a Banks Claim of Later Return document verifying that PNC ( XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ) requested the funds back on XXXX after they were returned to XXXX XXXX XX/XX/XXXX Spoke with XXXX @ PNC who informed me the $ XXXX was sent back to XXXX on the XXXX and it should take 3-4 days. XXXX XXXX never received ; balance remains on my XXXX credit card. XX/XX/XXXX After complaining about not hearing back from XXXX XXXX PNC XXXX he returns my call and tells me the $ XXXX was NOT sent to XXXX on XX/XX/XXXX as I was originally informed and now I needed a letter of indemnification. As mentioned, I am a long-time customer who uses PNC as my primary banking institution and my home mortgage is with PNC. Now I am at a complete loss and convinced I need to refinance my mortgage and move my banking business elsewhere. In addition to the $ XXXX, there is the {$1000.00} balance transfer fee, {$69.00} late fees, {$32.00} interest charges, totaling {$22000.00} owed to XXXX and reflected as a balance owed by me. Additionally, the {$100.00} PNC overdraft fees. Lastly, my credit score is now XXXX. | ||||||
| 04/19/2022 | Yes |
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| This started XX/XX/XXXX, unable to make my XXXX payment due {$290.00}, after talking to them the autobill pay would be stop and I would let them know when to resume. By the time the money was returned to me, I contacted them, since it was close to the next payment, I ask could I just pay XXXX and XXXX together, they said OK and stated to me there would not be a late charge or fee as long as it was paid by XX/XX/XXXX. So, on XX/XX/XXXX. I walk into the Bank and paid with cash. What was done when they processed the payment they took the first {$290.00} and applied {$190.00} interest, {$100.00} to principle, and the second payment of {$290.00} was all applied to interest. which is not correct. Note autopay had not been restarted as far as I knew. at that point they have XXXX payment total. So I notified my bank, show what was going on. they reversed the charge of {$290.00} to me. which made the account current and they would not get any more than they were supposed to. Before my next payment became due for XXXX I received a notice about and additional {$20.00} added to my account because a payment was reversed back to me from my bank. Which made my balance due for XXXX $ XXXXThey stated to me I did not verbally tell them to totally stop the auto-pay. I was also told that once I paying the {$290.00} plus the {$20.00} late fee, which total {$310.00} any other fee would be removed and I would be current I then can resume my regular payment. that did not happen Between XXXX and XXXX the fees were applied back to my account. I received phone call from their collection department. I put in several disputes where management I have been charged {$20.00} per month late fee totaling over {$120.00} up this point. after I constantly stated, '' Im not paying any late fee or extra fee on this account. I paying my regular car payment each month. Another collection agent XX/XX/XXXX told me to go into my branch have them put in a internal reversal of the {$590.00} and then applied it properly and remove all the fee. They did a reversal but the payment is not applied properly. ( that number is on the activity sheet dated XX/XX/XXXX. this is in their handwriting from the bank. Some of my payment disappeared you can see 2 months in a row on the account activity sheets. Last Wednesday I have been referred to their escalation department and spoke to and individual by the name of XXXX who stated to me that she request the fees to be removed and it would show almost immediately, that did not happen. Looking on their website Last payment paid on XX/XX/XXXX which is my XXXX payment and my payment due by XXXX XXXX is {$410.00}. I also made a complaint to the XXXX XXXX of XXXX XXXX for assistance, they have tried several time to contact them with no response back, I now referred to you for assistance, Thank You | ||||||
| 04/29/2021 | Yes |
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| On XX/XX/2021, my ex-husband XXXX XXXX purchase a personal money order for alimony payment for me. The amount of the money order was {$550.00} and the money order number was XXXX purchased at XXXX XXXX XXXX. I received the money order on XX/XX/2021. I promptly took it to my personal bank which is PNC in XXXX Alabama. I just deposited the money into my account and received a {$10.00} withdrawal from that {$550.00}. In XXXX the first part of XXXX, the {$550.00} money order was wiped from my account from PNC Bank in XXXX Alabama. I have yet to get reason for this transaction. I have talked to both PNC Bank and XXXX XXXX XXXX about this issue. XXXX XXXX XXXX is shows me that the money order was purchased on XX/XX/2021. It was only deposited once and to my account at PNC Bank I have the deposit slip on that but I can not screenshot it because of the website but I do have a copy of the money order front and back with sequence numbers. XXXX XXXX XXXX is stating that they did nothing wrong and I have received several money orders in the past year once a month for alimony from XXXX XXXX XXXX. PNC Bank is opening an investigation because I asked them to on XX/XX/2021 and they then closed the issue out with their corporate on that same day XX/XX/2021. I understand that {$550.00} is not a lot to people but it is a lot to somebody that uses it for food, gas, car payment, bills or rent. My account is negative {$22.00} and change right now because of this situation and I am past due on XXXX different bills. XXXX XXXX nor my bank PNC are trying to help me I need to find out what's going on. Like I said they closed the case in XXXX day and not let me even know that they did that I had to find that out the hard way with PNC Bank. There's no reason why this money order XXXX, should be bad it was only cash one time from me and then you know they return back to the original place where they were purchased I talked to XXXX XXXX at XXXX XXXX XXXX she said it was only cash one time that was by me and she doesn't know why PNC is doing what they're doing. I talked to XXXX XXXX at PNC Bank try to make an appointment with her and she cancelled tue appointment then told me she was sending this to an " escalator team '' with PNC bank. She failed to give me any information on how to contact this team ( I will show the correspondence emails I have between these financial institutions and myself. Can you please help me in this matter soon so I don't lose my vehicle and so my credit score won't be sacrificed any more than it has been. I need this money. My ex-husband worked hard for it and so did I. My ex husband has XXXX XXXX and I have XXXX XXXX XXXX ( which keeps me on a fixed income ). He nor I did anything wrong with this transaction but someone did. No one is wanting to fix this. Can you please help me? | ||||||
| 06/26/2022 | Yes |
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| On XXXX XXXX I am received funds of a business transaction for materials. I immediately deposited the check into my business account it was Friday. The company contacted me via messenger to check if the funds were available. Sidebar this check was sent viaXX/XX/XXXX. The funds wasnt available on a Monday I immediately contacted the bank as to inquire about the check and why was it taking so long to clear. The representative said a letter will be mailed out about the Check. I immediately asked what was the problem. I came to understand something was wrong. I was concerned, this was my business account my livelihood. I received a letter stating the check was being held for clearance. I immediately the company that distributed the check. They didnt answer me from that day til this one. The bank froze my account, charged me for monthly charges. I wasnt able to mange or produce business thru my account. The only way I found this out was I signed onto the account and it says XXXX dollars. I immediately call the bank to gain a greater understanding. I was treated like a criminal, what the bank wanted to take out on the company that sent that check to me they totally took out on me. My civil rights were violated. I again I reach out to the bank, I was sent to the fraud department, I explained to them I havent been contacted by the bank and my account isnt accessible to me. I learned not only was the check frozen but so was my account. The representative got in touch with the back office. A XXXX XXXX XXXX was very very rude and she beat around the bush very bad. I asked about my accessibility and can I deposit money into my business account. I was told yes and then no. At the end of the call I was told to go to the bank to retrieve my cash. I went and was totally embarrassed. I sat in that bank not being helped until closing. XXXX XXXX looked away from me the whole time never attempted to call anyone just had me sit she took my license and the paperwork that I have to her but told me that she couldnt help me. Thus was the second time I went and the same thing happened except this time I was asked to leave because there was nothing that could be done and they were leaving for the evening. I have lost a lot of money and business behind this very rude interaction. Im in debt today because of this and my two business are in jeopardy. When I walked in the bank I was looked at as a joke.XX/XX/XXXX+++ shouldnt be treated like this because I identify myself as myself. I was so humiliated! As am entrepreneur Im at a lost of words as an minority. I never thought I would experience something so mean here in New Jersey. This bank dont take likely to my kind and Im truly offended. I also had the liberty of speaking to XXXX XXXX XXXX and I still dont know why she called me its meaningless. Please help! | ||||||
| 08/18/2020 | Yes |
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| I opened an PNC core visa account 2yrs ago. As the no interest terms was ending I spoke to the manager at the XXXX location and asked if there is a way to extend the no interest. He explained that I could apply for another and transfer the balance if I qualified. The manager at this location I've gone to for banking advice regularly and when I applied for the first Core Visa he took my information and did the application for me. He applied and got me the other Visa and told me to bring in the checks from the new Visa to pay the other Visa balance. I did this and he paid off the balance except {$930.00} XXXXwo days before the payment was due on this card. He explained what he did and told me that the next payment I could pay it or the payment required. The next month I received both bills and paid the new card monthly min. payment but had questions with the old card because it was the same monthly payment I use to make before the balance transfer. I questioned this with that manager and he agreed and said that he would call their credit card service dept. to see why. He told me to not wait to pay it until he speaks with them. I asked him about them reporting if I don't and he said no because it will be in disputed while he worked on it. I checked in with him a couple of times and he was still working on it. But the last time I called they said he no longer work there. Also at this time I received info about my credit dropping 200 points because of this. None of my PNC accounts has ever been paid late and if my report is looked at it reflects that. Missing payments doesn't fit my history. I've contacted PNC about this and they are refusing to fix this. I was directed by one of their banking officials what to do and feel as if I did everything I should have as a consumer and believe this is been miss reported. It doesn't make any sense that I would pay all of my other PNC accounts and not this account without being told by the manager of the branch. They aren't standing by what they tell their consumers because while working and trying to resolve this with them I agreed with Ms. XXXX in esclation dept. to pay the remaining balance of {$930.00} in full and she would remove the late fees. I paid the balance in full but they still have a {$53.00} bal. that shouldn't be there per our agreement. Now if I don't pay that bal. they will miss report that as well as not paid and continue to ruin my credit. This isn't fair to me as a consumer because I use my credit to make a living as well. PNC needs to fix the errors on my credit report and the balance on the old card per their agreement made by their employees. You go to a banking official to get guidance because that's not your profession and supposed to be able to trust the advice they give. Please help me with this complaint, thank you. | ||||||
| 11/20/2022 | Yes |
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| I, the consumer and natural person, was denied an account by PNC BANK when I applied for a XXXXbalance account and my documents, including a security instrument, were supposedly destroyed and not returned to me which is required by law. On XX/XX/2022 I made a deposit into the XXXX XXXX XXXX in the outside deposit drawer of PNC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please see attached deposit items ). On XX/XX/2022, PNC assistant branch manager XXXX XXXX called to confirm my request and refused to open my XXXX balance account per the instructions in the deposit envelope. I, then requested on the same date that she have the legal department to review my documents and open the account as requested. As of XX/XX/XXXX, XXXX claims they ( the legal department ) rejected the documents ( message via another banker who answered the phone as she was busy ) and she never called me back as requested the week prior with an update, nor has she returned my documents. On XX/XX/2022 I sent a complaint via email and fax. On XX/XX/2022, XXXX XXXX, Vice President PNC Bank, XXXX Client Relations XXXX XXXX, called to enlighten me that PNC does not offer this type of service despite it being on their website. She stated that she did not know what I was talking about. A very unfruitful conversation that ended in me requesting my documents back and her agreeing to do so. Here is the link : https : //www.pnc.comXXXX As of XX/XX/2022, XXXX XXXX XXXX Vice President PNC Bank XXXX XXXX Client Relations XXXX XXXX, called to inform me that the documents were destroyed by XXXX XXXX at the XXXX XXXX XXXX XXXX I am requesting my XXXX-balance account be opened per my instructions along under your treasury measurement services immediately upon receiving this request. I also would appreciate her returning my documentation asap that is identity theft because they scanned these documents and continue using them without my knowledge. All banks have the right to use my information as they see fit since I agreed to be a member of this bank and I would like to be able to benefit from my instruments and data being used without my authorization just like them. I would greatly like to have someone return a response to my request at your earliest convenience. If this transaction is not possible, I need in writing as to why I am not allowed to open this type of account although its blatantly advertised on their website. This is false misrepresentation and identity theft. Thank you XXXX XXXX Governs this transaction as all debts are pre-paid and access to my treasury account is granted by me extending credit to PNC via the instrument they claim was destroyed, but once accepted they must honor it. XXXX XXXX is another law/statute that states once a negotiable instrument is presented it must be honored. | ||||||
| 12/07/2022 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/22, I learned that my check XXXX XXXX was cashed to a person that I did not authorized. The check was written to XXXX in the amount of {$66.00}. The check was washed and written to a XXXX XXXX XXXX for {$15000.00}. PNC Bank was notified on XX/XX/22. I was not able to open an account online, so on Monday XX/XX/22, I went to my PNC branch location in XXXX, GA to open a new account while the current account was being investigated. The branch was under staffed and not able to take that day. They referred me to the XXXX location in XXXX XXXX, XXXX XXXX XXXX opened a new account. The bank mailed me an affidavit which I submitted on XX/XX/22. After a couple of weeks, I checked with XXXX XXXX on status of resolving this matter and stated that I really needed my {$15000.00} returned. At that time she asked me if the bank had told me that it would take 120 days to look into this matter. I told her this was not satisfactory. She made a complaint on my behalf. I was was contacted by XXXX XXXX XXXX at PNC. I asked at that time if PNC would provide interim funds. She said it was not possible. She basically said it takes 120 days and there was not anything I could do about it. I received a letter from PNC Bank on XX/XX/22 that showed proof of payment and to call PNC if thought it was fraudulently negotiated! I was upset. XXXX XXXX said it was standard procedure and PNC was still investigating. She said I should file a police report. I filed a report with the XXXX Georgia police depart. Case # XXXX with XXXX XXXX XXXX in late XXXX. I found out later from XXXX that the PNC XXXX request XXXX is XXXX. It is now closing on almost 3 months since the fraudulent check was issued. Check washing has happened often recently, especially for mailed dropped off at the XXXX post office. Other neighbors and friends that I know have received their money from other banks within a month. The banks are XXXX and XXXX XXXX XXXXXXXX. It seems very unreasonable to have this issue take so long. Also, it seems suspicious that the person knew they could write a check for {$15000.00} and it would go through. XXXX Police said that {$1500.00} was the highest amount that had been frauded to date! Basically, I have to call periodically to get updates on this from PNC. The only PNC rep that I have a phone number to is XXXX XXXX in the XXXX XXXX. Her Branch Manager is XXXX XXXX. The person handling my complaint and investigation is XXXX XXXX XXXX. When I spoke to her in XXXX she gave me a number that was never answered and you could not leave voice mails. I feel like they are hoping that I will forget about this matter. I am over XXXX and feel I am being taken advantage of! PNC never has offered to provide funds in the interim while I am out the money. I have asked at least twice. This is unsatisfactory service! | ||||||
| 01/13/2020 | Yes |
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| I started calling to PNC Bank to obtain my pay off amount in XX/XX/XXXX9. My payments were submitted by XXXX XXXX accelerated program and were always submitted on time. They deducted from my bank account every two weeks a set and consistently throughout the year Occasionally there would be an extra amount in which XXXX XXXX would submit to PNC as a principal payment and noted as such on the manual check and mailed to pnc for posting. PNC applied most payments correctly but I did find a few that were not applied correctly and interest deducted from those payments. I started my inquiry when I requested my payoff amount. I never received monthly ststements from PNC to show payment activity. When I looked over my history in XX/XX/XXXX I noticed some payments were not applied correctly. I called and requested PNC to review my loan starting from inception date in XX/XX/XXXX. PNC acknowledged error and corrected two of the payments in which this lowered my payoff amount. I called back to pnc to let them know there was still two payments to be corrected. I wanted tbe correct payoff amount before paying off my auto. PNC NEVER CALLED BACK. I was always the initiator for the status of inquiry. This started in XX/XX/XXXX and XX/XX/XXXX still reviewing case open. In XX/XX/XXXX i called again to convey my frustration. I was told on XX/XX/XXXX there was a decision and they would not consider XX/XX/XXXX and XX/XX/XXXX to be posted correctly and recalculate interest as they were too old. But they did reapply another XX/XX/XXXX principal only payment. This was clearly their error and did not post payments correctly therefore I overpaid on my loan. I did payoff loan in november so i did not accrue further daily interest. This loan was paid off approximately one year early with never a late payment. I just want to pay the correct payoff amount with the correct interest applied. If they do this to other people and their defense is that it is up to the consumer to track their payments but they do not hold themselves responsible as to have quality employees to apply payments correctly. They add re making money off this process. My final complaint was if they can not calculate back to those two payments then figure a fair amount that would be refunded to me. They closed complaint and stated they could not help me. This took 4 months to let me know they could not do anything about it. Then their employee that was working on my file lied about calling me back and stating phone number was not good or could not leave voicemail. I just want want is due back to me and to pay correct amount on my loan. I still do not have an official response in writing from PNC and never received verbal response without me initiating the call. Very poor customer service. What other options do I have to receive my refund? | ||||||
| 06/22/2016 | Yes |
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| I would like to know if PNC bank loan officer violated any laws. And if there is any way PNC can refund the money we paid for an appraisal that should have never being ordered by PNC bank.XX/XX/XXXX my husband and I applied for pre-approval of a mortgage loan with PNC Financial Services Group, XXXX XXXX XXXX MD XXXX. We were pre approved so we began looking for a property. From day one I was clear with our Pnc loan office XXXX XXXX XXXX ID XXXX that we were looking to buy a property that may need repairs. After we found a property I informed XXXX about the condition of the property, it was a foreclosure. The HVAC system was destroyed, some pipes and sheet rocks was missing from the basement area. XXXX said once there was a kitchen we should be fine. When our contract was accepted, we sent a copy to XXXX ; now I am not sure if he went over it. It clearly stated we were buying the property As Is. And on several occasion XXXX said the XXXX condition was not a problem because our agent was also concern about HVAC condition.XXXX suggested we could ask seller to fix. I reminded him we agreed to buy as is so they would not fix, XXXX then said he can set up an escrow account for repairs. He was clear about it because the seller agent was trying to see if seller will pay for follow up inspection after we close ; to ensure that repairs were done. After the appraisal the underwriters wanted the pipes replace, Hvac fix and sheet rocks replace. XXXX still said he can set up repair escrow account ; we got contractors to go out and look at the property. After all that he comes back and say the property may have mold, we need mold certification and later that same day he calls our agent to ask him if he can get seller to make repairs. Apparently XXXX did not know that PNC could not create an escrow account for the repairs, they did not provide that service. How can he work for PNC as a loan officer but do n't know what product they provide? Why should hard working people suffer because he do n't know what he is doing? He Placed our {$2000.00} earnest in jeopardy and we lost {$500.00} on the appraisal. The time we lost in the process is the worst part, we are renting and every day counts. After I confronted XXXX he said he can pay out of pocket for our next appraisal but we need to find another property, because PNC can not finance our current property. I always taught it was the loan officer responsibility to know what product thier company offers. He even recommended a lender we could use, like we was crazy enough to use his referral. Who gives him the right to tell us what property we should buy, the way he handled everything was very deceitful. I have reached out to his manager and he was no help. No one should have to go through what we had to endure with our loan officer from PNC bank. | ||||||
| 02/16/2022 | Yes |
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| We applied to PNC Bank in XX/XX/2021 for a HELOC in our condo in XXXX. At the time of the application, we were told that the entire process would take 6-8 weeks to finish. We were constantly in touch with them and provided them will all the documents they asked for. We got conditionally approved on XX/XX/XXXX and were told that the reason it was taking this long was because of the amount of applications PNC had and not enough people to process it. We understood that and waited patiently for the final decision. When we initially applied, we specifically asked them if they financed condominiums and they said yes and thats why we proceeded with them. We also discontinued our process with another bank once we were conditionally approved because we were told that all our credit reports and documents were in order and that its just a matter of time for final approval. Then in late XXXX, the appraisal report confirmed the value of our property and we were told that the loan was undergoing final underwriting since all the requirements were met. On XX/XX/XXXX, we were then told that our building can not be financed because the commercial space in our building does not meet PNCs internal criteria ( greater than 25 % ). The hotel that is part of our building has nothing to do with our condo except that it was built by the same developer. They rejected our application after 15 weeks of going back and forth. In our view, this was shocking as there are several other lenders that have lent to residents in our building and the majority of our building owners apartments are financed. So, we failed to understand why PNC is unique here and more importantly why this was not told to us when we started the process. Every bank lets you know upfront during the documentation process whether the customer meets their requirements. We were told all throughout that everything looked good. We not only lost out on our HELOC, but also discontinued our other application and after 15 weeks were rejected. This is as bad an experience any customer can expect. PNC bank should respect their customers time and appreciate the effort it takes to provide all the documents. Had they told us upfront, we would have continued the process with the other lender that had already provided loans in our building. In our mind, there was complete disregard to basic courtesy and we will certainly not be recommending PNC bank to anyone we know. This cost us financially as well because the financing was to be used for home improvements and given the significant demand for developers, our project has now been delayed by 8 months. PNC bank should learn to respect their customers time and effort and have a process in place to first examine whether the building can be financed and then ask the customers for the documents. | ||||||
| 01/09/2017 | Yes |
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| Our father passed away XX/XX/XXXX. XX/XX/XXXX, he completed paperwork at his bank, naming his XXXX natural children, my sister and myself, as Pay-On-Death beneficiaries on his checking account with PNC Bank. My father had no mental or memory problems, especially when it came to his money. He kept a close eye on everything. Upon presenting proper identification and the death certificate to the bank, they would not allow us to take out the money. Over the last 5 weeks, the bank manager, XXXX XXXX, has given different excuses. First, it was that we had to wait for Social Security and his pension to be returned. Then she kept telling us she had to have authorization from her " higher ups '' because the account held over {$20000.00}. She then added that our step-sister ( who is co-representative of the will ) but is not now nor has she ever been on this account, has to sign off on it before we can withdraw any of the money. On XX/XX/XXXX, I called and she gave me the same excuse and when I asked to talk to one of these " higher-ups '', she told me that the step-sister ( she used her first name, XXXX ) was contesting our right to the account, and that the account has been frozen. When asked why we were not notified of this by bank headquarters or by an attorney for the step-sister, I was told that she could not discuss any of that with us. She told me this 3 times, then basically hung up on me. Since then, my sister, who is on the account as a POD, went into the XXXX, Maryland PNC branch, and was told that in internal notes a XXXX XXXX XXXX had asked for a hold to be put on the account XX/XX/XXXX to allow her to make sure my Dad had signed the papers and that he had not done so under duress. My sister informed them who she was, showed her ID, the death certificate and a bank statement showing her as a POD. She told them the person who did this definitely was not her. She questioned if they had verified this person 's ID and the bank quickly changed their story, and the internal bank notes to state it was the step-sister, XXXX XXXX who requested the hold. After almost three ( 3 ) hours, my sister left the bank with no money and was told no one was allowed to discuss anything with her, and that she should probably contact PNC Corporate Customer Service in XXXX. Upon doing this, she was told that there was no one who could talk to her and she should communicate with her local branch. Then he changed his tone and told her that her lawyer should contact Corporate. Contrary to us being told that " XXXX '' had requested a hold, PNC is now stating that they put the hold on the account on XX/XX/XXXX, in order to do an internal investigation to be sure they had done nothing wrong. In addition, my sister has numerous health problems, and the stress is definitely causing her more problems. | ||||||
| 12/03/2015 | Yes |
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| On Thursday, XXXX XXXX at approximately XXXX, I attempted to purchase a laptop computer as a XXXX gift for my husband through XXXX. The original price of the computer was {$790.00}, however the doorbuster deal was {$540.00}. I submitted my credit card information, twice, within 3 minutes and XXXX times were declined. Assuming this was an issue with XXXX ( due to traffic volume ), the option to pay through XXXX was also available. I submitted my credit information through XXXX and it was accepted. I received an email ( attached ) stating the payment was accepted and XXXX would contact me soon to confirm processing. Within 1-2 hours, I received an automated call from PNC for loss prevention, checking on the charges. The first XXXX charges were noted as " declined, '' which I accepted ( because they were ) and the third charge, through XXXX, was noted as " approved, '' which I also accepted. I did not receive any other calls or emails throughout the holiday weekend regarding the purchase. On Monday, XXXX XXXX, I attempted to contact XXXX XXXX regarding the order, with no luck. Wednesday, XXXX XXXX, I chose to further the investigating. XXXX Customer Service confirmed that PNC DECLINED the purchase on Thursday, XXXX XXXX, therefore my order was never processed and I would not be receiving the discounted computer. After speaking with multiple PNC Customer Service Reps on Wednesday, XXXX XXXX ( XXXX of them basic reps, XXXX of them Retail Escalation, XXXX of them a manager and still waiting on a return call from the direct supervisor of the manager ), the conclusion ( and these words came directly from the manager ) was that " After you approved the payment through the automated system on XXXX, it was your responsibility to go back in and submit the payment, AGAIN. " When has this ever happened?? I have never experienced a situation with a credit card that the purchase needed to be submitted AGAIN after an automated system. I told the Retail Escalation Manager that they prevented me from making a purchase on a sale item and I have now lost out on a savings of {$250.00}. What would be the point for me to keep a credit card with their company if I could n't use it on large purchases ( OF ONLY {$500.00} )? I am requesting compensation from PNC Bank, in the amount in which I have lost out on the deal ( {$250.00} ). Someone on their end completely messed up and they are refusing to take responsibility for their actions. An apology is not enough. I am a very loyal customer, have been with PNC for almost 10 years now, always pay off the credit card and although I so much appreciate the prevention of fraudulent activity, it has completely screwed me. They neglected to inform me that the last transaction through XXXX was never submitted and to me, this is completely unacceptable. | ||||||
| 05/17/2021 | Yes |
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| I opened my PNC account in XX/XX/XXXX. My account has been messed up from the beginning. They released payments to merchants I do not have an account with nor do I owe money to them. They paid frauds charges to merchants then took money from my savings without my consent placed it into my checking and released that money to fraud charges. I have filed many disputes in which they denied half the claims and the other there was supposed to be a credit that didnt show posted went back and did a reversal of payment basically charging me three times for fraud activity. I, made them aware from the first month. I had seven debit cards reissued each time the same problem happened. All of my savings were illegally transferred and spent on fraud charges this included my stimulus payments and income tax refund for state. I want my money back. I havent touched my account and from XXXX to XXXX over {$7000.00} was illegally removed from my account. Then the bank tried to manipulate me as if it were my problem claiming they wouldn't deal with me anymore when this was their fault. I opted out of overdraft protection it states on each monthly statement therefore they hasd no right to let fraud merchant charges ruin my account, transfer my savings to cover fraudulent charges then refuse to put my money back into the account. I have been without my card for a month since then XXXX was put into my account. I activated the card XX/XX/XXXX and the funds were gone again after going in personally and blocking these merchants they continued to release my money knowing it is fraud. You can tell by thew fact there is 20 charges a day by this merchant. I want my money refunded from the state as well as the fraudulent activity they allowed to occur on my account. You can see where it shows I did a transfer online and phone then it states funds transfer which shows it was on their end and for no reason when the account had money in it. I should have over XXXX in my account that is fraudulently gone and unexplaianable charges and transfers that were not authorized. I can tell it was premedatated by the fact the first months statement came with a notice stating fraud and warning the credit bureaus of my account as if they had this planned. Then told me that was the point of the account. No it is to save money and checking to pay bills. I know what my monthly bills are and never exceed my spending to the point where my savings had to be touched. Yet, the bank did this now I was robbed for all my government benefits and savings. This is fraud and swindles, a breach of contract and should not present insured by FDIC of {$250000.00} and then do not refund my account for theft by deception and fraud. I am livid and do not know who to contact to resolve this matter and get my money refunded as it should be. | ||||||
| 04/15/2015 | Yes |
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Web | Older American |
| I wish to file a complaint against PNC bank in particular, but this probably applies to other banks and I am sure many others would have the same complaint. This concerns the way they process the debits and credits to the account and the leveling of very high overdraft fees of {$35.00} per check or debit. On XXXX XXXX I had just come back from a trip and had forgotten to make a deposit to my account prior to leaving. I checked my bank balance online and saw that there was {$910.00} in the account. Before the bank closed I made a deposit of {$2300.00} to the account. Later in the evening I went online to download my account to XXXX. The deposit amount was shown as received by teller and a check that I had written for {$1100.00} had not cleared, nor was it shown as pending. The next day I received an overdraft charge of {$35.00} and they claimed that the check for {$1100.00} had cleared on XXXX XXXX. Their online banking had never shown that check. When I told them that I had made that deposit on XXXX XXXX their answer was that I only get {$100.00} of that to apply until the next day. I have argued with them about that but they refuse to remove the {$35.00}. On a different account the next day a similar situation happened. I had forgotten to deduct a check I had written. There was a check I mailed to a vendor on Sat. XXXX XXXX. On Mon. XXXX XXXX that check money was debited from my account. I was overdrawn by {$56.00} and they charged my account {$36.00} for the overdraft. I run a business and on XXXX XXXX I had XXXX deposits of {$130.00} that are processed by that bank and go into that account. On Monday XXXX XXXX that XXXX deposit appeared as pending, and they did not count that money as covering the overdraft. Here is my concern in a nutshell. The banks can immediately debit my account for checks that I write and mail to a vendor, but checks that are accepted by me and deposited in my account are held for XXXX day and do not apply to my account. That applies to cash deposits as well. If my deposit and a check come in on the same day they count the XXXX but not the other. I understand this would happen if XXXX uses an electronic transfer and set a date for the debit to be made or use a debit card, but checks that are written by someone and ones received and deposited by that person should be handled the same way. Either these checks that are scanned should show as pending on an account the same as any other check, or deposits should be treated as immediately available if overdraw situations occur. The way they are doing it now allows banks to take your money and use it for a day with deposits, but they can immediately cash your checks and remove the money from the account without it going through a pending process. It should be XXXX way or the other to be fair. | ||||||
| 02/21/2017 | Yes |
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| I have owned my home in XXXX, MO for close to 7 years. I took out an FHA mortgage loan through PNC Bank to buy the property. I have run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because PNC Bank has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$7000.00}. I am not able to do this and believe there are other options available, but PNC Bank is saying there is nothing I can do except make the full payment or they will foreclose. I began struggling financially a few years ago. I am a XXXX, and when there are jobs the pay is very good. But there was a period where they jobs were few and far between and I began using all of my reserves to keep up with the mortgage loan. In that same time frame my brother passed away and this was a financial and emotional burden and put me in a deeper hole. I reached out to the agents at PNC at that time to see if I could be considered for any type of assistance and it was a very difficult process. I submitted the same documents over and over and seemed to get no traction with PNC and was eventually told that I did not qualify for any help. I continued paying as agreed, but last year when I had some down time from work again there was no money left to pay the mortgage payment and I fell behind. I could not make any progress with PNC so I began working with a third party to attempt to get some type of resolution. I was told again that I do not qualify for help. I asked for a solution and was told that I had to pay the full past due balance, PNC would not accept a regular mortgage payment from me. Now I am getting harassing letters from PNC Bank stating I will be going into foreclosure if I do n't reinstate the loan. However, I know there are MANY programs available for homeowners with FHA loans that would give me the chance to save my home -- modification, forbearance agreement, partial claim, repayment plan etc. I am not that far behind and I make a pretty good living -- I just ca n't understand how there are no possible programs that I qualify for? It just does not make sense. PNC Bank did not issue a written denial detailing what programs I was reviewed for and why I supposedly " do not qualify. '' Additionally, they repeatedly scrutinized the documents that were submitted and made me submit and resubmit over and over and made me feel like I had to jump through hoops to even get the time of day from them. I have put a lot of money and sweat equity into my home and do not want to lose it and want PNC Bank to work with me. | ||||||
| 05/23/2018 | Yes |
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| I have a home equity line of credit with PNC bank in addition to my mortgage payment with them. I have set up both my mortgage and home equity line of credit with a direct debit from my checking account to pay the balances every month. In XX/XX/XXXX PNC bank changed their internal payment process and it somehow wiped out all of the direct debit accounts for home equity lines of credit. I received a letter in the mail on XX/XX/XXXX that I had missed a payment. I called PNC bank on Tuesday XX/XX/XXXX at XXXX XXXX in a phone call that lasted 24 minutes. I asked how I could be late when my account is direct. They said it was an internal error and that I was not late and that I did not owe a payment at all and that the late payment letters had been sent out in error. I asked if I needed to make a payment over the phone and was told that I did not. On Tuesday XX/XX/XXXX at XXXX XXXX I received a threatening phone call from their collections department. She said that it was my fault that the bank had not pulled my direct debit. I then told her I could prove there was more than enough in the account. She then backpedaled and said that I would have to figure out why the payment didn't come out. I told her I had called previously on on XX/XX/XXXX and I knew it was an internal error. She then transferred me to a PNC customer service rep who was honest that ALL of the errors were in fact PNC 's fault. He then asked me to sign in online to the PNC payment portal to make a payment for XXXX. He then told me that due to PNC 's error I just needed to pay for XXXX and that they would be liable for XXXX. I submitted an electronic payment through the PNC website on XX/XX/XXXX. It did NOT state the amount just that the payment was for the month of XXXX which would be for {$580.00} On XX/XX/XXXX my XXXX account was debited for {$1100.00} which is TWICE the amount. I called chase on XX/XX/XXXX and had them stop payment on the check. On XX/XX/XXXX I get a letter in the mail saying that I have now missed a payment and need to pay it. On XX/XX/XXXX at XXXX XXXX I called to see why I was again being charged for payment that they said I was not liable for. They said that even though their customer service rep was on the record as telling me that I did not owe them for the month of XXXX that I did now need to pay for the XXXX. But that they wouldn't charge me a late fee. I have done everything right and I have never missed a payment in the whole history of this account. It is not my fault that their internal system went down and then when I did call to make a payment they told me TWICE that I didn't need to. Now my budget is shot and I paid {$580.00} on XX/XX/XXXX. Please have them pull all of the tapes and records of the phone calls and have them on the record as being liable. | ||||||
| 02/06/2020 | Yes |
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| On Tuesday XX/XX/XXXX a criminal opened a fraudulent account in my name with the phone company XXXX. They purchased 3 phones and set up a data plan using my name and bank card information to do so. I became aware of this late in the evening Tuesday when I received an email from XXXX advising me that " my order had been shipped. '' When I saw the email, I assumed it was a phishing email and forwarded it to my husband to take a closer look at it in the morning. Wednesday morning, XX/XX/XXXX my husband determined that this was a real transaction, and contacted XXXX and our bank which is PNC advising both companies that this was not us, we did not make these purchases and that this was Fraudulent activity occurring. We contacted XXXX which is the logistics carrier that the phones were shipped through and determined that the criminal who had done this had them set up to " ship '' to our home address and as soon as the phones were in XXXX possession and actively shipping the criminal went on to the XXXX website and placed a " hold '' request on the package, so that rather than being delivered to our home address the package would instead be held at the local XXXX distribution facility to be " picked up '' in person by the criminal. I was able to speak with someone at the XXXX distribution facility and explain what was going on so as to insure that they did not hand the package over to the criminal that had orchestrated this. XXXX made sure that these items were returned to XXXX and we reported this situation to our local police department on the same day, Wednesday-XX/XX/XXXX. We had 2 charges appear against my bankcard on Wednesday. One charge was from XXXX for {$72.00} the other charge was for XXXX for {$50.00} both of these charges were result of Fraud being perpetrated using my bankcard information. PNC cancelled my bankcard and initiated their own investigation on Wednesday XX/XX/XXXX. XXXX has the fraudulent phone accounts locked and are actively investigating the situation. I arrived at your website to report this per advice from XXXX to do so. The {$50.00} XXXX charge was stopped while still pending on our checking account. The XXXX charge eventually rolled from pending to charged against our checking account in the days following this incident occurring. XXXX advises that they are in the processing of reversing the charge. I have also received a paper bill from XXXX today, Thursday-XX/XX/XXXX for {$170.00} for the fraudulent account that was set up and the phones and data plan that were purchased by this criminal. I called XXXX about having received this bill today against an account that they are aware is fraudulent. They advised that the fraud team is actively working on the issues attached to this fraud and that I will not be held responsible for the bill. | ||||||
| 01/09/2022 | Yes |
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Web | Older American |
| In the month of XXXX, many users of XXXX XXXX wireless phones had their numbers " ported '' to XXXX XXXX fraudulently. ( I have attached documentation of this to the end of this complaint ). Once the " port '' occurred, the hackers took control of people 's phone numbers and used it to gain access to their accounts, such as XXXX ( a cryptocurrency app ) and used that to charge their bank accounts. Many users online are reporting this fraud. My telephone number XXXX was ported without my permission on XX/XX/2021. I lost control of my phone number that day. I was then the victim of identify theft and unauthorized charges from PNC bank on XX/XX/2021. Specifically, the following charges were made on my PNC Bank account : XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX I bank with PNC Bank and I immediately called PNC Bank on the XXXX to report the fraud. I was told that my username and password were being charged and a new debit card would be issued and that a dispute was being filed. The following day on XX/XX/XXXX, I went to the PNC Bank in XXXX, North Carolina and was told that no dispute was filed, no user id / password was changed, and my debit was not cancelled or stopped. At that time, they filed the dispute at the branch. The charges were still pending at this time and had not posted. They told me the charges must post before a dispute could be filed. Please understand that during this process I didn't have access to my phone number ( and still haven't gotten it back yet ) due to the identity theft. On XX/XX/XXXX, I received a letter from the bank that denied my dispute for these fraudulent charges, even though they are obviously fraudulent, repeated {$200.00} charges and many other users are experiencing the same behavior from XXXX. Also, I was charged overdraft charges due to the fraud and a {$33.00} charge to stop my debit card due to fraud! The letters say that " the date you revoked your authorization with ( the transactions ) was after the transaction posted. As a result, a credit will not be issued to your account. '' But this isn't true. As I mentioned, I called the bank on the XXXX and went in the following day to explicitly revoke any authorization for those transactions. Importantly, I was told that I couldn't dispute the transactions UNTIL they posted. But now they are denying my dispute on the grounds that I didn't revoke authorization until after they posted .... HERE ARE OTHER USERS THAT ARE EXPERIENCING THIS PROBLEM RIGHT NOW AS WELL WHO HAD THEIR NUMBERS STOLEN : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/16/2019 | Yes |
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| On XX/XX/XXXX, I received a phone message from XXXX XXXX xXXXX of PNC, she left a number and I called her back. She was out of the office, so I spoke with another gentlemen who told me that I never paid my home equity loan for XX/XX/XXXX. I said that I sent a check (#XXXX) on XX/XX/XXXX and then checked my account online. My account showed that the check had been cleared and deducted from my account on XX/XX/XXXX. He put me on hold and then came back and said that it appeared that someone had credited a different account. I asked if this was a person or an automated process. He said he believed it was a processing error.At this point, he transferred me to XXXX in loan servicing. XXXX said it would take a few weeks to credit my account for the amount that had been deducted. He read some legalese jargon that I asked him to repeat several times because it made little sense to me, the way it was worded. XXXX seemed to lose patience with me after I asked him to read it to me a third time, much slower than the previous blurted sentences. I agreed that my information was correct but not with the wording of that disclaimer. I wrote a check (#XXXX) for my home equity line of credit from a PNC checking account and mailed it with the payment stub provided. I wrote the account number on the check. PNC cashed it and then misappropriated the funds to another account, not my own. XXXX instructed me to pay my home equity loan with another check to avoid furhter complications. I quickly drove to the local Holmdel branch of PNC and was able to secure a place in the drive thru before they closed at XXXX on Friday, XX/XX/XXXX. I paid for the second time in XX/XX/XXXX, through the bank teller at XXXX. On XX/XX/XXXX, I received a letter from ACH Dispute Services stating that “...we have determined no error occurred...” but my account would be credited for the amount deducted. I checked my PNC account and it was credited for the amount of $XXXX. The letter stated that I could call to receive further documentation of this determination. I called and waited online for an hour before being told that there was no further documentation because there was no error, for the money that was erroneously deducted from my account. XXXX was very helpful and I told her that I was concerned that this would happen again, simply because your bank claims that there was no error and is therefore likely to occur again (and it did.)On XX/XX/XXXX, I paid my Home Equity loan in the amount of $XXXX. On XX/XX/XXXX after checking my account online, I noticed that the balance was off by $XXXX. Looking at my statement I saw that on XX/XX/XXXX, PNC again deposited the XX/XX/XXXX check (#XX/XX/XXXX) and deducted that $XXXX from my account, IN ERROR (despite their claims to the contrary). | ||||||
| 03/02/2020 | Yes |
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| Ive had a consumer credit card with PNC bank for over 10 years. Ive always paid the card on time. It was previously a National City Bank Card prior to the PNC Bank purchasing National City. Over a year ago, I set up an automatic payment on the PNC system. Ive done this for all my credit cards so that I would never miss a payment. On XX/XX/2020, PNC bank for unknown reasons and without notification stopped the automatic payment. They also locked me out of my online account and used an errant phone number for a two step verification that I couldnt navigate because the number is incorrect ( ending in XXXX ). I contend this is the first of many bank errors. On XX/XX/XXXX, I was contacted by PNC bank at my correct number ( ending in XXXX ) to tell me my payment was late ( PNC had my correct number in their system ). I immediately payed the remaining balance and asked if this had been reported to the credit agencies. At first they refused to tell me it had been reported but upon escalation, I was told it had been reported. I stated that this is an error and requested they remove the damaging information from my credit report. ( This is the only late pay on my entire credit report that goes back 7 years and its extremely damaging to me personally and to my family financially ). Further, PNC admits they did not notify me either in writing or by phone that my auto payment had been ended or that my payment had been missed until after the issue was reported to a credit bureau. I immediately filed a complaint with XXXX. Ive met with a local PNC Branch Manager for a call with XXXX XXXX, who claimed to be my PNC advocate in this situation. He, thus far, has refused to admit the bank was in error, even though he admitted they had the wrong number for me in their mobile banking but had the correct number for me in my customer profile. Further, I requested the error logs and management of change documentation on their auto-pay system to determine if an error was possible in shutting off the auto-pay in XXXX. ( All of my other credit cards have auto pay set indefinitely ). PNC has refused to supply me with this information and said that I would have to subpoena the information. Ive asked for his boss to call me and also requested a meeting with the regional bank manager. PNC has a vested interest to not admit any error even though there is clearly one error and a number of system and system induced errors. I had hoped PNC would have corrected this mistake and I could have avoided filing a complaint, as I am now forced to do. I ask that PNC either remove the damaging information from my credit report or do not contest my complaints with any of the credit agencies they reported this incorrect information. I also ask from assistance from the CFPB in resolving this situation. | ||||||
| 07/08/2015 | Yes |
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Web | Older American |
| This complaint involves PNC Mortgage XXXX. I called XXXX who owes my loan and they directed me to XXXX to communicate with PNC concerning a loan modification on my mortgage since I got the run around last year trying to get a modification. XXXX has changed my person of contact twice but still trying to get this loan modification approved with a XXXX Modification. XXXX told me last week that I was approved for a loan modification and PNC would be contacting me stating that I was approved. To date, I have not heard back from PNC about being approved. I did finally reach someone at PNC on Monday-XX/XX/XXXX, and they said they would call back on Wednesday to discuss this but now there phones are disconnecting me when I enter my last XXXX digits of social security number. Once again, PNC is trying to wait me out so this can expire. They will then start all over and ask again for all my personal bank statements with the excuse that my time has expired since I did n't send in all requested documents which I have done numerous times. I was approved for my loan modification back in XXXX XXXX after numerous lost documents on their end with their ( PNC XXXX in-house modification which by the way was misrepresented to me at the time of application and were further obscured and modified prior to signing. I was promised a lower interest rate and they only extended my mortgage loan to 40 years. No lower interest rate was given even though they told me via telephone they would lower it. My financial situation has changed and again, I 'm going through the same drag out with PNC only this time, they are attempting to foreclose on me with their attorneys, XXXX Law Offices XXXX even though their mitigation department has sent me loss mitigation letters stating they ca n't foreclose while reviewing my application for modification. It seems that neither their attorney nor their Loss Mitigation department are communicating and I could lose my home due to their lack of communication with each other. We are very proactive in keeping our home. This is our primary home by all means. We are the parents of XXXX XXXX XXXX XXXX children. XXXX We have lived in our home for 18 years. I contacted XXXX since they own my mortgage and they referred me to XXXX. I have attached their information and PNC attorney info. We are currently in Bankruptcy Chapter XXXX and it takes 5 years before our bankruptcy is discharged. We 're three and one half ( 3 1/2 XXXX years into our bankruptcy and it wo n't be discharged until XXXX XXXX, XXXX. PNC denied us a HAMP modification stating our bankruptcy was not yet discharged. We looked into this and discovered that we ca n't be denied a HAMP due to our bankruptcy not being discharged. Any help you could provide us would be greatly appreciated. Thank you. XXXX | ||||||
| 12/29/2019 | Yes |
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| I applied for a personal loan on XX/XX/2019 after being pre-approved through XXXX XXXX. I provided the requested documents ( 2 pay stubs, 2 bank statements, a voided check and I even provided an additional end of year pay stub for bonus verification ). I was unable to reach anyone ( I sat on hold for over 4 hours over the course of 2 days trying to reach someone ) after receiving an email that additional action was needed. Within 48 hours, my application was cancelled. I submitted an additional application ( by mistake because I was moving too fast ) on XX/XX/2019. This time, I spoke with a representative, answered the questions they had about my pay stub, and I provided additional documents they requested. Within 48 hours, that application was also cancelled. I made one final attempt because at this point, I just wanted to see if I could actually get through the process or see if it was a scam. I spoke with someone on XX/XX/2019 who asked the same questions regarding line items on the pay stub. I confirmed they had all the necessary documents ( 2 pay stubs dated within 30 days, a pay stub showing the bonus being paid out, 2 primary account statements, 1 secondary account statement, and the voided check. ) After not receiving notification that the loan was decisioned, I called on XX/XX/2019. I spoke with someone who said she went through my application " very carefully '' to make sure they had everything they needed. Within a half an hour, my application was declined for " Unable to verify employment ''. No reason outside of that could be provided when I called to speak with someone. When a lender has bank statements showing deposits from the employer, multiple pay stubs from the employer, and the availability to contact the employer by phone or through a 3rd party, I find it difficult to say they couldn't verify my employment. I feel the application was declined, not based on my employment itself, but because of the employer I work for ( a competitor who offers far better service than I've experienced here ). I feel their business practices are erroneous ( as I have read multiple reviews since my first application that state people are having the same or other similar experiences with this lender ). They refused provide a valid reason regarding the decline. For the application to be declined within 30 minutes of speaking with someone sounds like people don't want to do their due diligence. And to not have the verbiage to provide the consumer with an adequate explanation ( without providing underwriting criteria ) is absolutely an insult to any consumer. I am a standard W-2 employee with no self employed income or additional income from outside sources. Outside of pay stubs and bank statements, no additional documentation or verification should be necessary. | ||||||
| 10/17/2018 | Yes |
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| I stopped at this PNC branch to cash a check drawn on said bank by XXXX XXXX XXXX XXXX. My XXXX was refunding an over-payment I made of {$200.00}. Teller told me it would cost 2 % of check to cash even though it was drawn on PNC Bank! I asked to speak to branch manager who wasn't in at that time. ( Approx. XXXX ) Instead, teller supervisor XXXX XXXX came to speak with me. Though she was polite, I would have been better off talking to a computer, a desk, a chair, the wall, etc. I explained though I didn't have an account w/PNC it was a small check, written by a small business right down the road from this branch ( about a 1/2 mile away. ) I think I may have also mentioned I'm a stockholder, and I emphasized the check was drawn on PNC Bank and that XXXX XXXX XXXX XXXX, obviously was their customer, and they certainly wouldn't want me to have to pay 2 % for the money they accidentally overcharged me! Nothing! No empathy whatsoever. She simply kept chanting her 2 % check cashing fee mantra! Disgusted she wouldn't listen to what I had to say and continued to talk like a robot, I asked for the branch manager 's business card. She handed me the card, and I started to walk away. As I looked at the card, I realized it was her card instead of the card I asked for, and I immediately headed back to the counter. I repeated my prior request, telling her I didn't want her card, I wanted the branch manager 's card. She then handed me his card. Upon getting back to my car, I sat in the car, and I called the branch manager 's phone number. Of course, one of the girls in the bank answered the phone. I asked to be connected with Mr. XXXX 's voicemail, and I was I would be connected, but I was immediately cut off. I immediately called back. This time I got another girl who successfully connected me with XXXX XXXX 's voicemail. After I left the message, I thought to myself, " How XXXX! '' There was hardly anyone in the bank when I was there, it was early, and everyone was listening. They clearly knew who I was, and I'm sure they probably erased my voicemail before XXXX ever got in the office! ( It's XXXX at present, and I haven't heard from, and I'm confident I won't. I'm sure they erased the voicemail I left him. ) I think it's an absolute sham ( and again, I'm a stockholder! ) the way this bank wants to charge me 2 % to get such a little amount of money for which I was overcharged by me dentist WHO IS A CUSTOMER OF PNC BANK!!! Poorest, most arrogant customer service I've ever encountered at any bank in my entire life! The teller supervisor 's lack of empathy and constant, robotic response is what really gets me! It's clear it wouldn't have mattered if the fee was ten cents, a nickel or a penny! She was gon na continue chanting the fee was their policy until her lips fell off! | ||||||
| 05/13/2023 | Yes |
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| Covid 19 pandemic started and I received a phone call offering partially differed payments during the pandemic. I thought that they would last the time of the pandemic. it was not made clear to me that they would only last 3 months. After such time I continued with the partial payment when full payments have been needed. Then XX/XX/2020 hit - I missed a full payment. In XXXX I attempted to pay the full balance owed ( missed paymentsXXXX XXXX payments ). I was on the phone with a customer service rep- I waited on the phone until it cleared the banks with her. We had made two separate transactions to be sure that pnc did not confuse the XXXX payment as just paying off the principal. After two weeks of it being withdrawn from my account and it was there in the pnc hands. It was returned. I received no notice that it was returned and the account it was returned too got hit for an XXXX XXXX fee and I no longer had the full amount and they would not accept any less. I waited another month XXXX XXXX as soon as the money hit my account I immediately used XXXX XXXX bill pay to send it to pnc. It was a Thursday and a long XXXX XXXX XXXX was approaching. My bill was due on the XXXX? I called and told them everything I had done and that XXXX XXXX estimated that it would arrive before the XXXX but I wanted to assure them it was in-fact on the way. I did this with three different customer service reps to be sure it was noted on my account. I was lied to and told I had nothing to worry about. My truck was taken on a XXXX XXXX at XXXX no warning, no note or letter from the bank I wasnt even there to see it happen. The bank isnt even open to give the order to repossess nor were they open to process my payment. They were also closed the next day for XXXX XXXX. My check was processed that XXXX XXXX. I received a letter on Thursday that it had been repossessed. Since the police had no knowledge of a repossession in the area happening, the bank claimed to not have taken it and my truck had been taken I had reported it to my insurance company as stolen. I now pay more in insurance due to the bank lying to me about reposession. It took over a week to even find my truck. And the bank finally put me into contact with the right department. I spent nearly XXXX dollars getting a damaged truck back. I continue to pay double insurance premiums due to the bank mis handling my account. I have reported to XXXX and made complaints with PNC. Pnc has told me they are not at fault. I did everything I could. I feel as though this is not my fault and is on my credit report. Its blocking me from getting a new credit card, refinancing my truck loan, purchasing a house. At the time of repossession my truck was worth more than I payed for it. I believe they were trying to make money off my loan | ||||||
| 09/13/2022 | Yes |
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| Starting XX/XX/XXXX unauthorized transactions were being made on my PNC checking account through online purchases using my debit card number ending in XXXX. These are the transactions made in XXXX : XX/XX/XXXX {$82.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$110.00} I disputed these transactions and was issued a provisional credit. The debit card ending in XXXX was closed. On XX/XX/XXXX the provisional credits were removed from my account. PNC denied my dispute, I requested the reason and planned to wait for their documentation in the mail. On XX/XX/XXXX more unauthorized transactions showed up on my account. These transactions were online purchases, from the same merchant as my original dispute, and using the closed debit card ending in XXXX. I disputed this again with PNC and told them about the debit card being closed in XXXX. I asked how this is possible and they did not know. I also asked to appeal the denied dispute from XXXX. I was told the XXXX dispute was denied because a chip & pin was used. When I asked how one can use a pin & chip for an online purchase, they could provide no answer for this and agreed to file a new dispute for the XXXX transactions. I was instructed to wait for a response, which at this point I accepted. On XX/XX/XXXX more unauthorized transactions for online purchases from the same merchant and using the closed debit card ending in XXXX. I called to dispute again and requested this issue be escalated because this is very bizarre and I don't know how to make the unauthorized transactions stop. PNC also does not know how to make the transactions from the closed debit card stop, but they refused to escalate this issue. Here are the XXXX transactions : XX/XX/XXXX {$28.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$340.00} This has created an emergency situation for me. Now I have no money to my name. PNC has used this difficult time for me as an opportunity to sell me on their credit card. I was advised to sign up for a credit card with PNC so I can sustain myself until my next paycheck. Otherwise I have to wait for their investigation, all while this unknown person/people can continue to overdraw my account, for which I would be charged daily overdraft fees by PNC. They are unable to keep my money safe and unwilling to escalate the issue to prevent further withdrawals. I fear if I close the account entirely, I will not receive an adequate investigation from PNC for my current disputes. I would also like to add that I have been a customer with PNC since XX/XX/XXXX. I have disputed 1 other charge in that time. That dispute was 5+ years ago and for a small amount of about {$200.00}. That dispute was accepted by PNC. I do not regularly dispute my transactions. | ||||||
| 01/12/2019 | Yes |
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| In early XXXX, I ran into some financial trouble because my PNC bank account did not update on mobile banking over XXXX XXXX. This overdrew my account on the following Tuesday and because I was out of town and not working at the time, I had to wait 2 weeks for a paycheck to bring my account back to balance. I accrued over a XXXX dollars in overdraft and NSF fees and have records to prove this. I called PNC multiple times and asked of anything could be done to stop this with zero help. I was transferred to a supervisor department after the 1st employees claimed they could not reverse any of the fees as the system would not let them. The phone rang once and I got an automated message that said no one was available and the call automatically ended. Never called back. Accepting that they would not budge to work with me or help me at all, I paid the fees and brought my account back to positive and moved on. Fast forward to today. The company I work for has decided to switch to biweekly pay instead of weekly. These past 2 weeks on one weeks pay have been awful and stressful. However, we managed to make it to Thursday XX/XX/19 without overdrawing. My account was negative XXXX dollars on Thursday XX/XX/19. When I woke up on Friday XX/XX/19 my account was negative XXXX because of a few small transactions that went through and XXXX dollars in overdraft fees 3 XXXX dollar charges each. So, my paycheck finally hit the account for XXXX dollars on Friday XX/XX/19. Then at XXXX on Saturday XX/XX/19 I was charged 3 more XXXX dollar overdraft fees after my paycheck had already hit the account. Because my paycheck has gone through I did not expect this. I have so many bills coming out this week from having to wait 2 weeks to get paid, that I can not afford XXXX dollars in overdraft fees. This is my whole grocery budget for the next 2 weeks until I get paid again and I literally have no food in my apartment. I called again today XX/XX/19 asking for assistance in this especially because my paycheck had hit and there is no reason for the fees to be met with no help again and told I should use tips to avoid overdrafting. Enough is enough of this. Ive paid so much in overdraft fees that I can't afford to live. All I want was the 3 most recent overdraft fees refunded to me so I can afford groceries so I don't starve without over drafting again and having the same thing happen while I wait another 2 weeks to get paid. I have exhausted all options to avoid this. I have overdraft protection on my account. I have alerts sent to me when my account drops below XXXX dollars. The way PNC does their business makes it impossible to avoid this because it happens over night while you are sleeping and then to offer no solution to a good, 6 year customer is frustrating and disheartening. | ||||||
| 09/13/2021 | Yes |
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Web | Older American |
| Original loan in XXXX, conforming fixed with 20 % down National City Mortgage Bank Refinanced in XXXX for lower rate ( Loan amount {$370000.00} ) Same lender XXXX or thereabout National City acquired by PNC Bank XXXX I lost job during great recession. XXXX I used up my savings to pay mortgage. XXXX Applied for hardship relief. Was given huge run around for approx. 15 months. XXXX was offered a modification that added my arrearage to the principal balance and Increased my payment. I had no choice but to accept. XXXX another unemployment, and another modification request. More runaround. XXXX a better modification. This one lowered the principal amount to $ XXXX, but added $ XXXX as a no interest balloon payment at the end of the loan in XXXX. XXXX I requested multiple times to have a breakdown of what was included in the $ XXXX. Was never able to get an answer until XX/XX/XXXX. As expected, the amount is made up of unpaid interest, taxes, Insurance, penalties and late fees and whatever junk fees accumulated during the periods of delinquency. I should probably point out that PNC subjected me to every mistreatment you ever heard happens during a modification, including, but not limited to : excess wait times on the phone, clueless customer service agents, multiple harassment phone calls, tons of threatening letters, endless requests for documents, empty promises of modifications agreements in the mail, auction notices, etc. I had many sleepless nights as a result of their incompetence/unwillingness to work with me. They are now claiming that the $ XXXX is legitimate. However their documentation is so poorly laid out that it is hard to determine. Also, an interest free balloon payment isnt what President Obama had in mind when he passed XXXX. Additionally, I am now XXXX XXXX XXXX and collecting Social Security. I was working until the pandemic. Now I am on XXXX. As is my wife. We have $ XXXX left of the mortgage, which we have been keeping current for the past 5 years. We are just trying to get relief from the $ XXXX balloon payment due in XXXX, when I will be XXXX XXXX XXXX! XXXX - I hired an attorney to look into this issue. He wrote a letter to PNC, suggesting that $ XXXX would be a fair and reasonable adjustment. The Customer Service department responded ( not the legal department ) that no adjustment was warranted. As part of their justification, they mentioned that we had been the beneficiary of some {$25000.00} from the XXXX XXXX XXXX XXXX, which is true, but had absolutely nothing to do with PNC, other than that they were the recipient of all the payments! My attorney decided that PNC would never be cooperative, and said that he did not want to accept any more money from me in what he felt would be a waste of time. He recommended CFPB. | ||||||
| 06/10/2022 | Yes |
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Web | Servicemember |
| To Whom it may concern. RE : PNCXXXX XXXX XXXX, XXXX VA XXXX XXXX NUMBER XXXX My name is XXXX XXXX and I bought this property a while back in XXXX. This letter is to complain about the way and manner that PNC bank has handled and is handling the sale/repossession/foreclosure and or short sale of this property. I fell into hard times that caused me to reach out to PNC Bank that I was unable to afford my mortgage any longer. They locked me out of this home since XXXX. Since, that period, I enlisted into the XXXX XXXX as a low-rank enlisted XXXX with no rating. I have since been deployed and moved around the country for duty. It has been extremely hard to keep up with rent and mortgage and other financial challenges I have experienced during different periods, in the past years. After plenty of communication between PNC and me, they asked if I wanted the house to be foreclosed on and I said yes, they came back and asked if they should process a short sale, to which I responded, please do whatever you need to do, to take back the home. They requested several documents of proof of hardship, which I faxed and emailed over several different hardship applications and paperwork, but PNC always claimed, they never received any of the applications. PNC MORTGAGE bank gave me many foreclosure dates and they continuously change those dates. Eventually, I left the coast for duty and PNC MORTGAGE BANK proceeded with placing this delinquency on my credit for 7 whole years. Eventually, it fell off my credit, and I was able to purchase another home for my family of XXXX. Late last year, out of the blues, PNC reached out to me again and started the whole conversation about short sale/foreclosure all over again. I spoke many times with PNC but met a brick wall. I finally sought the help of a realtor who became a designated agent for me, and they started giving her the same runaround I had received from them in the previous years. I spoke with the PNC bank severally about this, and they repeatedly told me to write several hardships letters and fill out PNC BANK forms sent to me by the banks representatives. I have submitted multiple hardships forms and my real estate attorney has made several efforts to contact the PNC mortgage and sent in many offers for the purchase of the property from potential buyers. PNC ignored every attempt to speak with the staff about potential buyers proposals. My realtor eventually advised me to seek the help of a Real Estate Attorney, and I did contact XXXX XXXX to reach out to PNC Bank, on my behalf. As of today, PNC bank has told my attorneys that theyre unable to process the short sale application. They advised me to reach out to your office for assistance in this matter. Please I need help. Thank you in advance. Phone # XXXX | ||||||
| 10/24/2018 | Yes |
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| I have ( 2 ) monthly reacurring charges from XXXX XXXX University ( XXXX ) in the amount of {$25.00} and XXXX XXXX in the amount of {$17.00}. On XX/XX/2018 the charge for {$25.00} from XXXX XXXX University posted to the account making the account negative - {$23.00}. I made a deposit to my account in the amount of {$50.00} on XX/XX/2018 at XXXX CST at a PNC ATM at XXXX XXXX XXXX XXXX, IL and found it strange that the {$50.00} didnt become available in my account immediately. I didnt think anything of it at the time because I normally dont have any issues with making deposits at the ATM. The next day I checked my account and noticed I was charged a {$36.00} NSF ( Returned Item Fee ). I reached out to PNC and expressed my concern in a very professional manner and explained to not only 1 representative but 2 and not only 1 supervisor but 2 that I made the deposit to secure the funds in my account and cover the {$25.00} charge on the same day the charge posted to my account and was still charged a {$36.00} NSF fee larger than then my actual charge of {$25.00}. I think thats highway robbery and shouldnt be legal and very unfair to your customers and a bad business practice. Not only did I deposit the funds the same day and still got a fee I experienced horrible customer service ... .from 2 supervisors on your Money Management Team and only 1 representative I spoke with named XXXX was empathetic, friendly and understanding. I appreciated that because the 2 supervisors were in my opinion dry, very condescending, unprofessional and not empathetic at all to my situation and never tried to resolve the simple issue but, they represent PNC in a management position ... thats horrible and disappointing. Instead of amicably resolving the issue your ( 2 ) managers quickly shut down any option to resolve or descalate the issue but instead provided contact information to file a compliant and stated they were the highest level and refused any other assistance .... thats horrible customer service from management level ... and to say it was not a bank error and the deposit was made 11 minutes after cutoff so, unfortunately me being a customer with PNC doesnt matter and a courtesy couldnt be extended. This fee has caused a snowball effect causing not only for me to pay a fee to PNC but, to pay a fee to XXXX XXXX University because the {$25.00} was returned although I made a deposit to my account to cover the funds in my account. I am contemplating closing my account because this was a very disappointing and horrible experience and Im very shocked at the way your selection of management handled this situation. Instead of making things right and showing value to your customer they handled it in a very unprofessional manner and caused your customer more harm financially. | ||||||
| 04/30/2016 | Yes |
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| Where do I begin to express my dissatisfaction with PNC Bank and this company as whole, XX/XX/XXXX, I filed a complaint with CFPB, because PNC cross matched my address with my parents ' address, an address I never lived at and changed my billing information without my consent or contacting me to inform me and when I was attempting to use my debit card, my transactions were getting denied and then there customer service representative who were providing inaccurate information, informed me nothing was wrong with my account and attempted to convince me I was at fault, which was eventually proven a error on their part, and I am still tempted to sue due to the agony and embarrassment it caused in my life. PNC has also changed my name on my account without my consent or my request. Now falling in line with their unscrupulous banking practices as usual, the over excessive overdraft fees, they have billed my account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have XXXX checking accounts XXXX with them and another with XXXX XXXX XXXX, the PNC account is just a back-up account ; a auto payment was setup for a student loan payment in the amount of XXXX and scheduled XXXX/XXXX/XXXX and I was under the impression it would be deducted from my XXXX account, although information for both accounts is setup under my profile for my student loans. In error the payment was processed on the wrong account. On XXXX/XXXX/XXXX this transaction came through my PNC account along with another transaction for XXXX which was payment made on my PNC account. I had enough in my PNC account to cover this payment, because again, I was aware the this payment was being reflected to my account. I was thinking nothing was wrong, until I will reviewed my account on XXXX/XXXX/XXXX and saw these excessive overdraft fees billed XXXX {$36.00} fees on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$21.00} fee on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$7.00} XXXX/XXXX/XXXX, {$7.00} on XXXX/XXXX/XXXX and needless to say this is a student banking account opened in XX/XX/XXXX, so no telling how many poor students, they are taking advantage and maybe a Class Action Suit needs to be file against them like the one currently pending with XXXX XXXX XXXX for unfair overdraft fees and I 'm willing to start it, because I 'm fed up.Then today on XXXX/XXXX/XXXX, I requested to speak to a supervisor upon denial to remove any of fees and she purposely transferred me to the automated system, which was very unprofessional. Then, I called back again on the same evening and male representative, attempted to cover for the agent by being dishonest and saying she did n't leave any comments, then came back after placing me on excessive holds, that he was able to locate her name and escalated my complaint. | ||||||
| 09/03/2022 | Yes |
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| On XX/XX/XXXX, I called PNC regarding my mortgage account. I called to inquire about PNC attempting to pull a mortgage payment from my financial institution. I inquired with a PNC staff member how many times they would attempt to pull the payment from my account to determine if I needed to make a payment over the phone or just wait until PNC completed the transaction. The staff member indicated that they did not know how many times it would be pulled. He encouraged me to wait to see if they would attempt another time. I express concerns that fees would be charged on my account and that I would be reported late. The staff member indicated that I would not be reported late until 30 days and said that no fees would be assessed on the account because I am in California. I expressed concern that he was not able to answer my question and asked that he consult with a supervisor/manager to find out. After a period of being placed on hold, he returned to the call and indicted that he was not able to get the answer. Essentially, I was supposed to make a decision on misleading and incomplete information. Upon further research, I learned that if I had not made the payment on XX/XX/XXXX PNC would have charged me a late fee. This concerns me because the PNC agent was encouraging me to wait to see what happens and to wait another day. This would have allowed PNC to charge me a fee. I advised that I was concerned with the lack of information and training he was provided. I made a payment over the phone on XX/XX/XXXX and filed a complaint with the staff member case number XXXX. Since the incident mentioned above, I received a notice that a {$25.00} fee was assessed on my account due to a Non-Sufficient Funds on XX/XX/XXXX. This is the first time anyone from PNC has mentioned a fee was assessed on the account. I have concerns over the lack of training staff receive, adequate information PNC provides consumers and deceptive practices in mortgage servicing. PNC staff encouraged me to wait to see if the payment would go through which would cause a late fee. They were not able to provide pivotal information and failed to disclosed fees would still be assessed. PNC recently became my mortgage servicer ; I am concerns that they have predatory practices to collect fees from consumers to increase their profits. I am filling this complaint in the CFPB system because I have made several attempts to work this out with PNC. I have not received a response to the complaint filed directly with PNC on XX/XX/XXXX. In addition, I emailed XXXX XXXX from the Officer, Executive Client Relations as requested on XX/XX/XXXX and no response. I would like to receive an answer to my initial questions, understanding of the training gap, transaction history on my account, and fees waived. | ||||||
| 12/16/2016 | Yes |
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| PNC Bank checking overdraft account. A problem arose in XXXX when XXXX XXXX continued to draft a monthly payment from my checking after I had cancelled service with them and temporarily stopped using this checking account at PNC while out of the country. When I returned I discovered the error, XXXX reimbursed me, and I asked PNC to waive the overdraft charges. They refused. Within three months they closed the account and charged off the balance. In XXXX I contacted PNC and asked if I could pay the balance, in exchange for their cooperation with my credit reporting, and they agreed to report the status as " paid in full '' if I paid them {$1000.00}. I paid them that amount on XXXX XXXX, XXXX. They continue to this day to report the status as " Collection/Charge Off ''. I continued after my payment to call them and correspond with them to ask them to comply with what they had agreed to do. In the course of that communication, I discovered that the actual amount they " charged off '' was {$410.00}, which would be the amount they reported as a loss ( charge off ) for their taxes. This is listed on my account, in their computers, and I was given this amount over the phone by two PNC employees. This would be due to the fact that they sold the debt to numerous collection agencies, which would be income. When I began discussions to pay the " charge off '' amount, PNC repeatedly told me the amount was {$1000.00}. I had received offers from several of the collection agencies to settle the debt in amounts in the $ XXXX {$500.00} range. I did not trust that offer, and so I contacted PNC directly. For XXXX, PNC will be reporting my {$1000.00} payment as income. When the {$660.00} in income from the sales to collectors is added in, PNC has made a handsome profit on this account. The current status of the account is " Paid in Full '' - but PNC refuses to report this status, as they agreed to do, and they have dealt in bad faith with this account from the beginning when they refused to waive the overdraft charges, they lied to me point blank when they told me that they would report the account as " paid in full '', they lied to me repeatedly about what the " charge off '' amount was, and they continue to operate in a vindictive bad faith manner, with the groundless claim that they are " obligated '' to continue to report the account as " collections / charge off '' I demand that PNC report the status of this account as " paid in full '' - as that is the current status, and it is what they agreed to do before I made full payment. An interesting final note, when I asked for paid in full reporting status " if '' I paid in full, I asked for their agreement in writing. They refused. They said 'trust us '' - It is illegal to lie to customers in a collection process | ||||||
| 01/22/2016 | Yes |
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| Well earlier this year I purchased my first home. I used PNC Mortgage as a my lender. That was a huge mistake. I found the house I wanted in XXXX XXXX, and decided to push the closing all the way back till XXXX XXXX 2015. Just because I was renting at the time. First PNC told me that I could not have a close friend give me gift money, then actually after the closing they told me I could have had a close friend give gift money. Also the closing did not happen on the XXXX. The day before the closing the underwriter misplaced paper work and stated they needed additional information for the closing, so I went to my other bank and gave all the bank statements and the my parents ( who gave some gift money ) had to run to their bank and do the same thing. I was never told about my parents having to hand over months and months worth of bank statements till the morning before the closing. Then 2 hours before the closing the realtor called and stated the title company was waiting for the documents. I tried to call the loan officer, and basically all the contacts I had for PNC no one would return my call. I finally ask to speak to a manager and they would always say that the manager will call me back, no one ever did. The signing got pushed to Monday, but once again the underwriter asked for the same paper work from Friday, so I resent the paper with all the confirmations and the loan officer said he received it. However 2 hours before closing the closing company did not receive the documents. They even stated it would be impossible to have the closing today. I have now taken off two days to do this signing. I called PNC and asked to speak the a manager, they would never give me the name or number of a manager, the loan processor, actually cried and hung up on me. I called the loan officer he said to move the signing till Tuesday in the afternoon. I kept asking for the underwriter 's manager number because it was crazy that the underwriter kept asking for the same information 2 days in a row. Also another complaint is why would someone in XXXX in a different time zone handle the closing. They stated the underwriter 's shift was XXXX to XXXX I do n't get why this was not handled few weeks before the closing. I pushed this signing as far back as I could. Finally Tuesday came along, the underwriter once again asked for the same documents. The loan officer stepped in and finally spoke to their manager. We had to get the a lot of the documents with the sellers resigned, like the contacts. This was a mess. The closing finally took place on Tuesday late in the day. PNC did keep blaming the title company when really it was the underwriter, that was not responding to emails or calls that caused this mess. PNC should really be investigated for their practices. | ||||||
| 01/12/2016 | Yes |
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| On XX/XX/XXXX I logged online and checked my balance. I had electronic items pending as well as debit card transaction. I knew I had gas purchases so I made a deposit of XXXX which then made my balance positive by XXXX ( I have a receipt ) after the system updated that night I woke up to see my account was overdrawn by XXXX. The only thing that I can see possible is that PNC released my hold on a XXXX debit card purchase that I had did on Fri XXXX/XXXX/15 because my acct ended up being overdrawn by almost that pymnt. I called PNC and explained I know I overdraft in the past somewhat often but I truly attempted to not overdraft by checking my balance and then making that deposit. I asked for a courtesy reversal. I was told that he could n't extend one because I had a courtesy reversal on XX/XX/2015. I did n't recall having one because I do n't call for one since I know I overdraft at times. I released the call with him checked and it was n't a courtesy reversal. PNC does n't charge fees if your acct is overdrawn under XXXX. I had wrote a check and was off by XXXX cents and PNC charged me an overdraft fee and then reversed it with the phrase Reversal threshold. Im thinking since it was under XXXX and should n't have been charged. I called back the next day and spoke to a polite young lady who agreed that was a bank error in XX/XX/XXXX and that I did qualify for a courtesy reversal so she was going to escalate it further for me and I would get a call back from their escalations group. A week later I receive a call from someone who left a message with a number to the department. I called and spoke to a XXXX XXXX. XXXX was quite condescending and told me that its a myth that banks waive fees. I explained that it cant be a myth when XXXX prior cust service reps told me that fees could be waive. XXXX stated I had already had courtesy reversal which I did n't and the other stated I was right and she would escalate it. I even stated the calls could be reviewed. She continued to not listen to what I was stating and was n't even going over the transaction period that I was referring to ( XX/XX/XXXX-XX/XX/XXXX ) by the time I spoke to her since I thought I had everything covered I ended up over drafting my acct again and she kept speaking on those transactions. It was obvious she no longer was listening to me so I asked for the president name of PNC to write a complaint. She would n't give it to me. I asked for her manager and received XXXX XXXX who had to look up the name and spelling of the president of PNC but she did give it to me. She also stated that its a myth that banks waive overdraft fees as courtesy. By speaking to the prior to reps before this " escalation department '' I know its not a myth and I feel I have been lied to by XXXX and XXXX. | ||||||
| 07/30/2023 | Yes |
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| XX/XX/XXXX couldn't recieve my regular weekly payment via zelle from my employer XX/XX/XXXX couldn't recieve regular weekly payment via zelle from a second employer. XX/XX/XXXX I tried logging in and my credentials wouldn't work so I called pnc customer service. I spoke to XXXX different people and was told my zelle was closed and no longer available and my online banking was closed. I asked if I could access my money and was told my account is on a security hold due to an inbound zelle transaction. I was not able to get any other information.histor using zelle fir XXXX is XXXX follows : I received a payment in the amount of {$3500.00} from a client after we finished a flooring job on XX/XX/XXXX. The payment cleared after 48 hours. I recieved a {$500.00} payment from the same client on XX/XX/XXXX the payment cleared immediately. My regular weekly jobs payments came in XX/XX/XXXX for {$84.00}, XX/XX/XXXX {$70.00}, XX/XX/XXXX {$77.00}. Prior to having the client sending me payments via zelle for {$500.00} then {$3500.00} the XXXX was being paid directly by the client via XXXX. XXXX held his money for 7 days which was unacceptable and slowed down production so the client, the XXXX and I agreed we would use my account to recieve payments for the job since the client and I both used XXXX. How is it zelle was able to freeze my entire bank account and access to my money, paying and recieving for any of these transactions that were all authorized, text messages and correspondence and regular activity to prove the transactions were authorized. I was told I can't even reach anyone to help me with the matter until Monday. I am unable to even get gas to make it to any of my jobs because of this, or get groceries for that matter. I have attached web receipts showing my first payment from the remodel job after XXXX held the money for 7 days in the amount of {$800.00}. Then receipts showing me paying the contractor after we agreed to start using my account to get paid using zelle .in the amounts of {$600.00} {$500.00}, {$800.00} went to our drywall employee out of the {$3500.00}. The client owed {$4200.00}. She claimed she could only send {$3500.00} at a time then refused to pay the balance for what was completed. We are taking her to court to get the balance she owes. I don't know if any of this has to do with my account being frozen but that is the history of XXXX with my XXXX transactions.XXXX states in their terms that if you send money make sure you trust the person.. if something goes south you probably won't get your money back. It is secure and can't be reversed and doesn't even clear immediately if large amount. My last deposit was 10 days ago. How is it all of a sudden an inbound XXXX transaction is holding me from accessing my pnc account. | ||||||
| 10/23/2023 | Yes |
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| In XX/XX/2023, after 16 years of employment, I was fired by PNC Bank. Due to this, my payments on my PNC Credit Card got behind. In XX/XX/2023, I contacted PNC regarding a Hardship Agreement on my PNC Credit Card. I was approved on the call for the Hardship Agreement. This meant that for 12 months, my APR was lowered, late fees were waived, and my payment was lowered to {$390.00} per month. I was told I needed to make the initial 3 payments for XXXX, XXXX, and XXXX before the end of each month. Soon after, I made the payment for XXXX. I continued to receive calls and emails from PNC Credit Card Collections dept. Most of the time I ignored these calls and emails, but when I did answer, I advised them that I was in the Hardship Program. I assumed it would take a month or a billing cycle to get straightened out. Throughout the month of XXXX, I received calls from PNC Credit Card Collections Department daily, usually multiple times a day. I received emails and text messages stating they were collecting a debt. I eventually received a call from the representative who worked with me to apply for the Hardship Program. I advised her I was still receiving collection calls, despite making my XXXX payment and having until the end of XXXX to make my XXXX payment. The representative stated that the payment was actually due the XXXX of the month, but that I get a grace period which is why she said the end of the month initially. I was assured that once I made my XXXX payment, I would not receive any more collection calls. I made XXXX 's {$390.00} payment. I have continued to receive collection calls from PNC throughout the month of XXXX. This time, I advised that I believed this was against the Fair Debt Collection Practices Act. I had entered into the Hardship Agreement and made my payments on time as advised, but yet I have continuously received collection calls and emails from PNC. I filed a complaint within PNC Bank 's Escalations Department. I was eventually told that in the agreement I made for the Hardship, it states collection calls will continue. How is that fair? How is that legal? I have entered into a NEW agreement with PNC when I entered into the Hardship Agreement and I have made my payments as agreed upon, yet I still get relentless calls. I made my XXXX payment on XX/XX/2023. I received a call from PNC Credit Card Collections on XX/XX/2023. I spoke to a Team Lead - XXXX XXXX, who stated that even though I have already made my XXXX payment, I will continue to receive collection calls until the end of XXXX because I am in the Hardship Program. How is this even possible? Much less, legal? I contacted the representative from PNC Escalations and told her about the continuing calls from PNC Collections and that I was making a CFPB complaint. | ||||||
| 06/06/2017 | Yes |
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| I have an account with PNC. For the past year a ACH has been taking money out of my account listed below. for a total {$1400.00} PNC has told me they have no way of tracking who is taking this money. They have given me the phone # of XXXX XXXX listed below is the response I received via email form them. PNC the last time I spoke to them said the charges originates from XXXX XXXX and gave me the same contact the XXXX XXXX who said they do not take money from anyone account. I only discovered that they were removing money from my account in early may and filed two Disputes for the last 60 days as my local branch manger suggested. PNC later sent me a letter rejecting the dispute and saying I only have 24 hours to file a dispute. Dispute the Branch Manger ( XXXX XXXX ) say that they blocked future withdraws from this account. I had to file another dispute on XX/XX/XXXX for {$170.00}. This all started after I switch cc providers from XXXX XXXX XXXX XXXX, whom I have contacted and they said my account has been closed since last year and they have not taken any money since. Who ever is taking this money has never sent me a statement re these charges or have I authorized whoever to take money from me. We are not authorized to remove money from anyones account. Please speak to your bank and they will be able to tell you which company is removing the money. Regards, XXXX, Administrator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ext.XXXX XXXX : ( XXXX ) XXXX Direct ( XXXX ) XXXX Sprout of success May your business blossom! XX/XX/XXXX CORPORATE ACH XXXX BANKCARD DEPOSIT CCDISCOUNT {$100.00} XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$180.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$88.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$100.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$81.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$79.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$140.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$150.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$87.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$68.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$76.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX | ||||||
| 11/16/2021 | Yes |
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| My father had an IRA with BBVA which he was allowed to set up without a beneficiary, unfortunately. He passed away intestate. I have been trying to obtain hard copies of BBVA/PNC 's bank instructional information regarding this situation from BBVA/PNC for months now . Specifically, I've asked for a custodian agreement or whatever policies the bank ( s ) have for accounts with no beneficiaries. I've called and left voicemails with the legal department ( do not have dates but sometime between XXXX XXXX ) and have not received a response. I faxed the fulfillment department on XX/XX/XXXX and have not received a response. I visited a branch in the next state over ( there are no branches in my home state ) on XX/XX/XXXX and waited in line for 30+ minutes to meet with someone for this information. I spoke with XXXX XXXX, the branch manager at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, who advised me that he would have to call the legal department and the wait would be 40 minutes. He gave me his business card and told me he would help me over email. To date, he has not responded to any of my emails ( sent : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - today ). The only information I have been able to obtain by phone ( previously and this evening on XX/XX/XXXX ) is that to transfer an account after a death, a death certificate and either : 1 ) Letters of Administration, 2 ) Letters Testamentary, 3 ) Affidavit Claiming Successor, 4 ) Court Order, or 5 ) Muniment of Title/Affidavit is needed. I am unable to obtain the Letters of Administration from the Court without a document from the bank saying that the letters of administration are needed due to the length of time that has passed since my father 's death. BBVA/PNC has told me the only way to obtain a " printout '' of this information is to go to a branch and request it. How is this even possible in this day & age? I have already done this unsuccessfully and the nearest branch to me is 182 miles away in the next state. Additionally, the branches DO NOT ANSWER their phones so it is not possible for me to set up an appointment to meet with someone. The website does not have an option to set up an appointment electronically either. I've been told that in order to transfer the account when I do have the Letters of Administration, I also have to do this in person. This is the first time I have encountered this issue in any of the accounts we've had to transfer for Dad and unduly burdensome since PNC/BBVA does not have any branch locations near me. All other accounts with other institutions have been transferred remotely after faxing/emailing/mailing information. I'm able to provide the emails sent to XXXX XXXX as well as the fax ( and confirmation ) sent to the fulfillment department upon request. | ||||||
| 08/12/2018 | Yes |
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| On XX/XX/2018, I called my PNC Bank Account, XXXX, followed the prompts, and heard that my balance was {$1.00}. That morning I did not use my Debit Card at all. By mid day, I walked up to the PNC ATM located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Telephone : ( XXXX ) XXXX ; made a {$300.00} cash deposit and the receipt reflected {$300.00} vs. {$300.00}. This is the second time I see money disappear when I look at an ATM Receipt. So, this time around I walked into the Branch and explained to XXXX ( an employee ) everything. She sat behind a computer and after 3 minutes or so, she said, " Oh, this computer is freezing. Let me try another computer. '' She walked into a private office, did not invite me, and after about one minute, I walked into that office, then she said, " They system keeps giving me an error sign. Let me give you a call once I find out why {$1.00} is not in your account. '' She said she'd call me later. Well, later turned out to be one or two DAYS later. I turned on my phone and there was a message. I simply saved it. Then, when I ran into her towards the end of the week, she said the missing fee was a MONTHLY fee. I found that to be extremely ODD because for the LONGEST time, I was NEVER charged a monthly fee because I was depositing OVER {$500.00} dollars. Then, they began to charge me {$5.00} because of some lie. And then XXXX says, " Oh, it was a monthly fee. '' And that's another lie because if it were a fee, there should have been a negative balance. And at the very bottom of the ledger attached ( if you see the figure ) It would have reflected {$1.00} vs. {$0.00}. With all sincerity, I perceive PNC Bank has duplicated 2 additional accounts with my identity, hidden my account again, and allowed illegal activity to take place. And the missing of {$1.00} was a TEST to see that if they wired ex amount of money a few days later, it would go into that duplicated account. That's what I think really occurred and I would like your Department to prevent this crime from occurring again. It's happened at least 2 others times where OVER {$200000.00} gets deposited ; and the idiots wants to make it seem " It's my money. I have access to it. '' And I have ZERO access to it. Then they want to transform my internal body to reflect " Spy. '' And I do NOT qualify to be a spy nor am I ANYONE 's spy. That's another crime in itself. Please have PNC shut down any other account with my identity ( XXXX ) ; and change their codes. I find it to be highly unlawful for my deposits to go into another person 's account who then wants to make it seem we're a team. I'm an independent Citizen with NO spy sister, tribe, and I am LEGAL in our country. So, please end this nonsense. Unmerge my account ; and enforce respect. Thank You, XXXX XXXX XXXX | ||||||
| 07/17/2021 | Yes |
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| I have my mortgage with PNCBANK. They have just switched over to a new system where you get mortgage statements every month in the mail. I received my first statement with a statement date of XX/XX/XXXX. I noticed it had a past due amount of XXXX. This is incorrect. I have paid my mortgage in full on time for several years. Nothing is past due. I called PNCBANK Mortgage customer service and explained my issue to them and they investigated and said they could find no past due amount. They said they have had issues with the statements being incorrect and would send me a corrected statement. I received a second statement with a date of XX/XX/XXXX with the same XXXX past due. I called PNC Customer service again and after investigating they again said they do not see any past due amounts and they were going to open a complaint and someone would get back to me in 24-48 hours. Nobody ever called. I called them again in reference to another complaint with another account and while i was on the phone with them i checked on this complaint. They text messaged the guy they said its assigned to and he said he would get back to me in the afternoon on XX/XX/XXXX. Nobody called. I told them if nobody calls me on XX/XX/XXXX i am filing a complaint with the CFPB. Nobody called. Every time i have a issue that needs to be addressed with PNC i have the exact same issues. No calls back. Denials. Nasty responses which i will be detailing in another CFPB complaint. I had a escrow issue a few months back that had to do with a NJ Tax rebate which i spent hours on the phone about while i got denial after denial and finally they admitted i was right and adjusted my escrow and my payment in my favor. My account history definitely needs to be looked into. When is somebody going to hold these banks accountable. I thought that with the new administration this was not going to be allowed to go on anymore and they were going to be held accountable. The escrow situation i described above goes on every year. I live in NJ. Residents get a Tax rebate that has to be applied. They don't do it and when you call them they deny that there needs to be a change. They get verbally nasty. I am a customer and should not be treated in that manner. There is absolutely no accountability ... None. I thought things would have changed since XXXX. Nothing has changed. They are operating the same way as they were in XXXX. On another matter they were told that because of the COVID situation they were supposed to reach out and help people out. They are helping no one out. Same as in XXXX. I asked them how are you helping homeowners out? They had no answer. They are so irresponsible that they have to have a CFPB rep sit in on their meetings to make sure they are doing the right thing. | ||||||
| 04/20/2018 | Yes |
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| Hello, On XX/XX/XXXX or XX/XX/XXXX I visited my local PNC Branch at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX in order to close my account. I do not know the specific date as I receive no official documentation about my account closure. During this transaction, the teller verified my information, took my debit card, and informed me that my accounts are closed. It turns out that behind my back, they only closed 2 out of 3 accounts I had with them. My main checking account remained open. I learned this fact because throughout XXXX transactions were still hitting that account and PNC has been charging me Over Draft fees for each instance this happened. I was always quick to remedy these charges. The most recent overdraft fee was a result of a transaction on XX/XX/XXXX for {$91.00} and one on XX/XX/XXXX for {$20.00}. The first resulted in a balance of - {$89.00} Since I assumed the account was absolutely closed, I did not monitor the online account on a daily basis, and I received an email towards the evening when I was not able to make it to a PNC bank to rectify the situation in person and did not even have a debit card to do so at an ATM. I ran through my options to try to fix the account and decided to do a direct money transfer from my new account to the PNC account. The first transfer was initiated on XX/XX/XXXX for an amount of {$89.00} to bring it back to XXXX. The next day the {$20.00} transaction hit my old account and I immediately initiated a transfer for the amount on XX/XX/XXXX. Therefore *I had transferred the funds the, same day they hit the PNC account*. The funds ended up posting on XX/XX/XXXX and XX/XX/XXXX, resulting in 2 {$36.00} overdraft fees. I talked to a woman named XXXX from the Escalated Fee Department and her subordinate and they were not able to understand my situation and were not able to reverse the overdraft fees. I am feeling like I basically got defrauded when my account was not closed. After 8 years with PNC, I see how they really treat their customers. My argument is the following : 1 ) PNC did NOT close my account when I asked them to close my account -- they took my debit card and cut it up, but did not close the account when it was zereoed out. 2 ) This lead to me assuming that the account was closed. I had a reasonable expectation that transactions would simply be declined because the account is not open anymore. 3 ) Though they didn't close my account, I still made the account whole when necessary 4 ) When I realized that the transactions in question occurred, I initiated the transfer from my new Bank ( XXXX XXXX ) assuming it would get there in time to cover the transactions 5 ) I did my due diligence while PNC Bank simply lied when they told me my account was closed | ||||||
| 01/28/2016 | Yes |
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| Mortgage company called county tax office on XXXX XXXX, XXXX to confirm that XXXX county property taxes had been paid in full which was unfortunately the Friday before the county posted our payment on Mon XXXX XXXX ( payment was mailed on XXXX XXXX but not posted to our account until XXXX XXXX ), and since the taxes were showing delinquent at the time of their call they immediately set up a forced escrow account on our loan and processed a check to pay the delinquent amount. Once our payment was posted our account was paid current, so when XXXX County received the duplicate payment from PNC they put the funds in a holding account as they do not automatically return duplicate payments. XXXX county send a letter to the party who they received duplicate payment from notifying them that the taxes they were attempting to pay had already been paid, and county includes a form that PNC was required to complete and return to the county requesting the funds to be refunded back to them. We continued to send PNC our monthly principal and interest payment on time every month, and each month would include a written note advising them the forced escrow account had been setup prematurely and to please post our payment directly towards the principal and interest loan balance per the terms of our Note. We also made numerous phone calls to PNC customer service as well as numerous email requests to please have someone take the time to contact us so we could discuss what had happened and work together to get our account back on track as each month we were receiving nasty letters saying our payment was short and no payment that we 've sent since XXXX XXXX has been properly posted. We have continued to send our payment each month for the past 3 years up thru the payment that is due XXXX XXXX, and up thru XXXX XXXX PNC did cash our payments but since XXXX XXXX PNC has repeatedly returned each months payment saying that they will not accept insufficient payment. So, in XXXX XXXX we hired an Attorney who has also made numerous attempts to speak with PNC customer service and PNC 's legal counsel, but is repeatedly told that they will review our file and get back with her but to date that has not happened. PNC did finally serve us with foreclosure notice, but after pushing our hearing date out 3 different times they filed a cancellation of foreclosure with the court but have not gotten back with our Attorney with any offer to in some way work with us to bring our account current and back in good standing. We are now to a point that we 've lost all hope that this ongoing dispute will ever be amicably resolved with PNC, and we will continue to have the stress and agony of our home loan being in complete limbo for who knows how many more months or years to come. | ||||||
| 02/22/2020 | Yes |
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| I have many issues with PNC Mortgage over the last 2 years. I have never been late and always make extra/principle payments. This past Tuesday I finally had it! They will apply my principle only payments as regular payments. I have sent in by mail indicating payment for principle only or escrow only! They still apply as regular payment breaking it down to the next month with interest added and escrow monthly amount. I can not pay online as I am charged a {$7.00} service fee. I always pay extra every 2 weeks so that adds up of do that over a long period of time. They suggested I do bill pay at bank. I do that and than call each time after posted goes to principle only. Now a few times I have to call back a 2nd or 3rd time after initial request that it has not done yet. This results in unnecessary callbacks in same issue for customer. To make matters worse hold time is awful I have waited 20 mins or longer to get someone on phone. Sometimes I get disconnected during call and I call back and put on hold for same duration. I had a XXXX hang up on me in XXXX as I was trying to reset up ACH plan with new amt as my PITI went up. I was frustrated on how to navigate website and could not understand what she was saying. I asked her to hold for a minute to make sure I can get on successfully. I said it 2 times. Because I didnt want to call back and put on hold for a long time over same issue. She said have a nice day and hung. Which I had to call back again. On Tuesday XX/XX/XXXX. I called 3 times over 20 min wait. To discuss my payment of {$500.00} was towards principle only. Spoke with a XXXX id # XXXX. She was suppose to transfer money to principle only. Now today Saturday XX/XX/XXXX. Nothing has been done. So will be calling back today to once again ask for payment to go to principle. This has cause a lot of wasted time and unnecessary holds. I asked for a supervisor with XXXX on Tues. and put me on hold and came back and said not available I asked for them to call me back. No call was followed up with me. The customer service is terrible. The website is best for those with a PNC bank accts. I have NEVER been late with payments ever with PNC. I am trying to pay this mortgage off as soon as possible to not have to go through with this every 2 weeks. This was not my choice to have mortgage with PNC. My loan was serviced over from XXXX XXXX XXXX. 2-3 years ago. With XXXX I could pay principle payments online with no fees. And see an amortization schedule anytime. I rarely had to call customer service for any issues. I have had mortgage for over 12 years and never missed any payments. This has cause me a lot of wasted time, frustration and treated terribly as a customer. I hope no one has to go through this and get the respect they need. | ||||||
| 09/07/2021 | Yes |
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Web | Older American |
| We are requesting your assistance with PNC Bank located at XXXX XXXX XXXX XXXX, OH XXXX. PNC Bank has violated the terms of our mortgage agreements, and we believe, are also in violation of the Truth in Lending Act of 1968. We are requesting your help in resolving the issue outlined below as soon as possible, and reprimanding PNC Bank for their callous handling of this matter. Our hope is they will not continue to treat other less resilient consumers this way. We are a retired couple with excellent credit who decided to refinance our primary resident in XXXX of XXXX to take advantage of the low interest rates available. We did not agree to an escrow account. And, we had not had one for decades because of our excellent credit and prompt payment of all our bills. It was also part of our selection criteria for the mortgage company we chose for this refinance. However, our mortgage was sold to PNC Bank, who apparently believe they are excused from following legal documents. And, feel they can use heavy handed methods and discourtesy to consumers to ignore their obligations. Here is an outline of events with reference to supporting documents : 1. On XX/XX/XXXX we refinanced our primary residence with XXXX XXXX XXXX, XXXX ( See Attachment 1 : HUD1 Closing Disclosure ). Included in the closing documents is an Escrow Waiver with XXXX XXXX XXXX, XXXX as a condition of our refinanced mortgage with them ( See Attachment 2 : Escrow Waiver ). 2. PNC Bank purchased the subject mortgage from XXXX XXXX XXXX, XXXX and unilaterally added escrow payments to our mortgage bill in violation of the terms and conditions of our mortgage agreements. Our PNC Bank Account Number is available on request. 3. My wife XXXX XXXX has made several contacts with PNC Bank to have the monthly escrow charge removed but without any success. She explained the apparent error to PNC Bank, and complied diligently to their requests for supporting documents to resolve the issue. On XX/XX/XXXX she submitted the documents requested by PNC Bank ( See Attachment : 3 Escrow Removal Request and Attachment 4 Escrow Letter ). 4. We received a letter from PNC Bank Escrow Analysis Department dated XX/XX/XXXX ( See Attachment 5 PNC Bank Letter ) stating they would not : approve your request due to the following reasons. However, the reasons are not stated in the letter. We are demanding PNC Bank to stop this fraudulent behavior, stop collecting escrow payments from us immediately, and refund to us any escrow balance. We are further asking PNC Bank to comply with the terms of the mortgage agreements and stop making unilateral decisions to the detriment of the general public. We are available to provide any further documentation you may need and to answer any questions. | ||||||
| 11/24/2020 | Yes |
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| I notified PNC Bank of my mothers death in order that they close her account and forward the funds to me as her eldest child. She was not married at the time of her death. XXXX XXXX XXXX ( my mother ) passed away on XX/XX/20. I notified PNC Bank. I called XXXX voice banking. I entered her social security number and after several prompts I was able To speak to a representative. The female sounded to be in her late twenties. I advised them of aforementioned and what were the next steps to close my mothers account and have the funds distributed to me. I was advised to mail the following documents, certified copy of her death certificate and a copy of my drivers license front and back and to mail to PNC Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. I mailed these documents certified on XX/XX/20. A week later I called for status a week later as I was told once documents were received it would take XXXX days business days to process. I have called once a week since XX/XX/20 and this is the script. A young female answers the phone ... asks for my mothers social security number, then they say let me place you in a brief hold while I review her account. I am placed on hold for no less than 20 minutes each time for the rep to return to the phone to tell me Absolutely nothing but that once the documents are received and if anything else is needed I would be notified. It is so frustrating and without reproach to give a consumer such a run around abs my time and expense and my mothers checking account and for what reason. To add insult to injury your office can have a person call and you will receive the same scripted response without any assistance. Not only is this frustrating but a waste of my time and efforts to settle my mothers account. Why is PNC bank deliberately refusing to process my documents? Oh, one more thing, PNC added another line to the script asking me if I had a receipt for the certified mailing for the documents I sent. This was on XX/XX/20 at approximately XXXX XXXX eastern standard time. I called back a 2nd time and on XX/XX/20 and asked for a supervisor ... another young female said the script again placing me on hold this time for 13 minutes and has left with with no other alternative than to file the complaint against PNC Bank and demand that my mothers checking account and funds be released at once without any further delay. Her name as it appears on her checking account is XXXX XXXX XXXX # XXXX. I respectfully seek your assistance involving this matter and the reason PNC Bank is deliberately violating law and rendering poor customer service and I seek sanctions if applicable and my mothers account settled and funds distributed immediately. I attest the above statement is accurate and factual. XXXX XXXX | ||||||
| 08/05/2022 | Yes |
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| To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX XXXX since XXXX. We specialize in XXXX XXXX and XXXX of XXXX XXXX. We are a XXXX XXXX XXXX and we take responsibility and pride for the work we do and how we treat our clients and business partners. In the year XXXX we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash. We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed. Unfortunately XXXX XXXX XXXX XXXX to short sales and in regards to the equity line that was used for them, I was qualified for Obamas XXXX XXXX and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX The times were extremely hard, everything we worked so hard for was gone. We were struggling to XXXX day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for XXXX XXXX I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX crash, and we qualified for the benefit. For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off. Recently, I received communication from XXXX, XXXX XXXX with an account # XXXX, After reaching out for advice to my financial consultant and XXXX associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to XXXX my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, XXXX is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX. As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan. Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to XXXX my home. Im considering filing for bankruptcy at this time. Thank you. | ||||||
| 05/02/2017 | Yes |
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Web | Servicemember |
| Mt father has a mortgage with PNC bank/mo rtgage company. I was attempting to be place on the loan with him. The initial person my father and I spoke with was XXXX XXXX . He stated that we could do this on a Harp refinance. He stated that there would be no money involved in this process and it would be a relatively short process. He told us that there would be no appraisal and no closing costs. this started in XX/XX/XXXX of this year ( 2017 ). A s the loan was being processes we had contact with him on several occasions and also with the processor XXXX XXXX . After about a month we were asked to submit a title surrender form to our city hall of records. It was determined that no title existed for our double-wid e in our county an d that the bank had no original copy of the title or apparently any of the initial paperwork in the initial purchase of a new double wide. About this time they sent me out an updated Loan estimate which stated there would now be a closing cost for the load. They also called and notified us their would be an appraisal of the house. I spoke with the person we initially spoke with to begin the process XXXX XXXX who informed me he was wrong and that the underwriter needed an appraisal. He also informed me it would be my responsibility to pay for a Title bond and that he was also wrong about no closing costs. I also spoke with the processor again to get some clarification of why the initial person could say we had no closing and appraisal and to find out why the bank did not take care of this title issue. I could get no answer on any of these issues at that time. I asked to speak to a supervisor and was put in contact with a XXXX XXXX . We spoke of these issues and by this point the appraisal had been completed. She could not explain to me why it was necessary or why there was a closing cost. After sever conversations over a wee k or 2 with her there was no resolution about the title. They are dealing with a title company outside of their own bank. After receiving no resolution on this i asked again to speak to a higher supervisor. I was told i would be receiving a call from who ever the next person was in the chain of command was. it has not happened as of yet. However i have received yet another another loan estimation update that has more than doubled the closing costs. We have no idea what will happen when we pay off this mortgage with the title situation. We have paid for 15 years on this home with no clue there was no title. I am the person who has been paying for 15 years on this home and because I am not on the title i can not claim my rights as a totally XXXX vet for tax purposes nor have i or my father been able to claim the interest paid at the end of the year on taxes. | ||||||
| 07/12/2017 | Yes |
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| On XX/XX/XXXX I had a payment withdrawn in the amount of {$390.00} which over drafted my account. The payment was reversed and I was charged a fee of {$36.00} by PNCBank, I was also charged by a {$25.00} fee by XXXX because of the rejected payment. In my opinion I rarely overdraft my account, however, in the few times it has happened in the past PNC has always covered the transactions. I contacted PNC on XX/XX/XXXX to ask why the payment was rejected this time when they have always covered any similar transactions in the past. I was provided inconsistent and inaccurate information by the representative. The only thing consistent about the call was that I was provided a different answer each time I asked a question. As a side note the service was absolutely horrible! The agent muffled things under her breath about me like " oh man '' and then when I asked to speak with a supervisor, she told me she would connect me with her team lead and instead disconnected the call. I have now waited a full 24 hrs expecting a follow up call, but unfortunately have not received one. The agent advised me that no policy had changed and that PNC has never covered a check overdraft on my account. She even told me that even if the overdraft was less than {$50.00} that it would have been declined. I then provided dates of similar transactions that had not been rejected and her response was basically that it just depends. She would not provide any type of direct answer as to why this payment was rejected and I have no confidence that anything she told me was accurate. The main reason for my call was to know why the payment was rejected so that I know what would happen if a similar situation arose in the future. I still have no idea as to the answer. I did also ask for the fee to be reimbursed as a courtesy which did not happen. I feel {$36.00} as basically a processing fee to decline a payment is beyond excessive. This is especially true since because the payment was rejected and I was charged an additional {$25.00} by XXXX. PNC is obviously aware when someone is experiencing financial difficulty when they are overdrawn, instead of trying to assist, they charge excessive fees that makes it even more difficult for someone in an already difficult situation. I do plan on closing my account with PNC as a result of this recent experience, however, I still wanted to make the CFPB and PNCBank aware that if the agent I spoke with is the typical agent, then the call center has no idea how an over draft works, how to look up account history and how the current policy works. Additionally, I ask that they review the call from XX/XX/XXXX as the agent I spoke with at the very least needs some coaching on professionalism and customer service. | ||||||
| 10/05/2022 | Yes |
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| I have been attempting to work with this company after a Covid19 forbearance for over two years. The original issue arose because I didn't understand that the forbearance period was only 3 months. As soon as I realized this, I attempted multiple times to extend the forbearance. All my attempts were rejected. Then I tried multiple times to defer the past due. Rejected. I paid the mortgage EVERY SINGLE month after that but the company continues to report me late every single month because, with the humongous interest and penalties they keep adding, I can never catch up. I am paying well over the monthly payment every month but they continue to report me late every month because my overpayment can't even make a dent in the almost XXXX XXXX DOLLAR interest and penalities they added to my account. The company told me that they do not have to help me because this is a line of credit and not a mortgage, and that they were not bound by the rules of the CARES act. They offered a ridiculously short forebearance and then refused to defer the forbearance amount even though I provided ample proof that I had no rents and no employment because of Covid. Then they piled on heavy interest and penalties and trapped me in a cycle from which I can never escape because I can never afford to pay it off. They refused multiple requests to defer the amount or waive some or all of the penalties. Because they keep falsely reporting my payments as late, my credit score dropped XXXX points and I can't refinance with any other company. I have submitted complaints about them here. Nothing happened. I recently filed what I believe is my sixth or seventh application, I have lost count. I only asked for a deferral of any past due mortgage payments I have not heard back from the company. I have attempted to call twice and end up on hold for XXXX XXXX minutes and get transferred multiple times only to get cut off before speaking to anyone who can help. This is not a difficult problem to solve. I am only asking PNC to waive some or all of the fees for late payments, defer any past due amount and correct my record with the credit bureaus. This is a reasonable response and what I believe was the legal requirement, that this company works with me to come up with a reasonable solution to keep me and my kids in my home. I have paid this company faithfully every month since I got this HELOC except for the forbearance period, and they have done nothing to help but only to harm my account with them and to destroy my credit so I can't find another company. If I can't get a reasonable solution via this complaint and my multiple applications, I will be filing a claim in small claims court in XXXX and will be seeking damages in addition to the above requests. | ||||||
| 01/21/2021 | Yes |
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| I will like to report the unethical practices of PNC Bank and how they deliberately re-arranged and backdated my transactions in order to charge fees to my account. My account was charged and debited multiple times and I called my branch and Customer Service over 7 times to complain. They escalated to the Executive Escalation Department and I even wrote twice to Ms. XXXX XXXX and left 5 messages. She eventually spoke with me and was totally unhelpful, claiming that the bank was right in charging me. Her attitude was that there was nothing I could do since it's just me against a big company! She arrogantly told me to go ahead and escalate to the authorities. I had funds in my account as at XXXX XXXX, XXXX and I did 3 transactions with a positive balance of {$3.00} at the end of the day. On XX/XX/XXXX, 2 payments hit my account and before I could deposit more funds into it, PNC charged me overdraft fees 5 times for the 3 transactions I did the day before plus the 2 new ones! That is $ XXXX {$180.00}. This is so very fraudulent and unethical! I had a positive balance as at end of day on XX/XX/XXXX. I have attached relevant receipts and account activity reports. Also, on XX/XX/XXXX at XXXX, I got an alert from PNC Bank that my account was overdrawn by {$54.00} due to a payment. I deposited {$200.00} CASH through a PNC ATM at XXXX on the same day. PNC deliberately kept my cash deposit pending from XX/XX/XXXX to XX/XX/XXXX and proceeded to charge me {$36.00} as overdraft fees! I called Customer Service again and they said they couldn't do anything about it! It is so totally unfair for the bank to defraud its customers this way. There was no reason to pend my cash deposit for TWO DAYS, especially since I used a PNC ATM. Even their overdraft alert notice states clearly that you can make a cash deposit through their ATM to avoid any fees. PNC Bank can program their system to debit customers in a chronological order. Transactions should be posted as they occur instead of re-arranging transactions to ensure that customers accounts can be charged unnecessarily for overdraft fees. PNC sends account balance transaction alerts after every transaction, so how come they send one balance to customers and claim that there is a different balance in their system? This is just an excuse for their malpractices. The same system can not be showing multiple balances unless it is deliberately rigged to ensure that unsuspecting customers are charged fees fraudulently! I am requesting that my complaint should be investigated and the bank should REFUND all the fraudulent fees they charged to my account. The bank officials feel that they are too big to be reported or to get consequences for their unethical behavior. Please intervene. Thank you. | ||||||
| 10/26/2016 | Yes |
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| Predatory Lending : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX from XXXXXXXX In XXXX XXXX, my husband and I made a contract with XXXX XXXX XXXX XXXX, when we still live in our current property at the time. The agreement took a turn for the builder and the lender agent requested to open an initial Line of Credit of {$90000.00} ( National City Mortgage ) to secure the purchase and building of our future property. We did so, however this LOC put a lien in the property we were about to sell in XXXX. I am an American Citizen by Naturalization and my XXXX at the time was n't good enough, which was a struggle for me. My husband, a XXXX XXXX XXXX, XXXX for a government agency, and an XXXX man, XXXX XXXX XXXX XXXX, seemed not to understand very well about financial facts. I only signed papers and saw the main picture of everything. We sold our property in XXXX XXXX, for {$480000.00} letting a XXXX for mortgage payoff, the {$90000.00} lien with National City Mortgage, and the commission of the real estate firm XXXX XXXX from XXXX XXXX whom sold the property. In the other hand, the gain from {$480000.00}. The base price of the house was {$500000.00} and we did have some upgrades for hardwood floor since I have XXXX children. It seemed like the amount was going to pay off some of the base amount and reduce the loan in a good way. But not well calculated, and without noticing how inflated the fees were FOR EVERYTHING!!!! XXXX XXXX XXXX land in XXXX County XXXX costed XXXX but it was inflated to XXXX as the initial contract said. All the fees described in the Settlement Statement / XXXX form XXXX with XXXX XXXX and XXXX XXXX from XXXX, XXXX. The fees charged in this document are excessively large from commissions to added NON-SENSE FEES! In top of that, the initial LOC /National City Mortgage decided to merge the LOC with the new price of purchase of {$500000.00} AS A REFINANCING! I am disgusted just to comment this and finally complaint. THE TERMS OF THE LOAN WERE UNFAIR AND ABUSIVE, HIGH INTEREST, XXXX ARMS AND OUR INITIAL LOAN # XXXX, WHICH WAS UNDER XXXX XXXX AND XXXX WAS REMOVED. PLUS, WE NEVER SAW THE PART IN WHICH WE PAID THEM FROM THE SELL OF OUR PROPERTY. WHAT HAPPENED???? THE MONEY WE BROUGHT AFTER SELLING, WE DID N'T GET TO SEE IT. MORE THAN SAD, A NIGHTMARE WE SHOULD HAD NEVER GET INVOLVED IN. WHAT I THINK OF LENDING INSTITUTIONS, REAL ESTATE FIRMS AND TITLE FIRMS? THEY ALL TIED TOGETHER TO HARM CONSUMERS WITH THEIR UNETHICAL BUSINESS PRACTICES. WE TRIED A LOAN MODIFICATION IN XXXX WITH NATIONAL CITY BUT IT FAILED BECAUSE THEY WERE NOT ABOUT HELPING CONSUMERS. WE HAD A CLAUSE IN THE NOTE WITH THE XXXX XXXX. WE TOOK IT AND PAID ONLY INTEREST UNTIL TODAY {$1400.00} WHICH WAS INCREASE EVERY NOW AND THEN. | ||||||
| 01/21/2021 | Yes |
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| I purchased 2 sets of 3-piece luggage from XXXX for a total of {$410.00} ( {$200.00} each ). One was delivered on XX/XX/2020, the other was never delivered. The XXXX tracking information for the missing item confirms that it was never delivered. I contacted XXXX on XX/XX/2020 and they refused to provide any assistance. I attempted to resolve with XXXX on XX/XX/2020 and they refused to assist. So I filed my dispute with PNC Bank against the charge to my debit card. I filed it on XX/XX/2020 through their online banking submission form. I provided them with the dates and tracking information confirming that the merchandise was not received. Their online system did not allow me to select the partial amount of {$200.00} so the claim was submitted for the full amount of {$410.00} and I included an explanation in the body of the form that I was only disputing {$200.00}. I received a credit for {$410.00} to my account several days later. Two weeks after that, I received a letter in the mail asking for all the same information I already provided. This letter also stated very clearly that if I did not fill it out and return it, they would use the information I have already provided. Having already provided every detail they could need, I did not return the letter. As a result, my claim was denied and my account was charged the {$410.00} again. When I contacted PNC to re-open the claim, they advised they would re-send the letter and to fill it out and return it. I received no repeat letter. Instead, 30 days after I reactivated my dispute, I received another letter denying my claim. When I called and escalated the dispute to a manager, the only explanation I was provided was that because I did not sign and return the letter, they closed my claim. Even when I explained that their own letter included the statement that they would use the information I already provided, the " manager '' simply repeated himself over and over. It was at that time I realized they would be no help in protecting me and my financial interests. So I informed them at that time I would be filing a complaint with the CFPB and that I wanted it on record that I was filing said complaint because of the misinformation they provided on their own paperwork. I am aware of the requirements for a valid Visa dispute code XXXX for non-receipt of merchandise. I contacted my bank well within the required timeframes and provided them with all of the required information to file a valid dispute against XXXX and pursue a chargeback against which the merchant had no valid argument. I believe that the only reason PNC did not pursue my claim is that they did not take action promptly enough to be able to file the claim within the dispute timeframes to recover the funds from XXXX. | ||||||
| 11/24/2018 | Yes |
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| I was offer a loan for US {$5000.00} ; gave to this so call bank US {$600.00}. Never got the loan and now they hang up the phone on me when I call them. I know, I have been scammed and probably never get my money back, but I would like to protect others from this kind of scam. Hi XXXX! Good day and Congratulations!! It is our pleasure to inform you that the loan application we received from a partner online lender was processed and approved for a personal unsecured loan of {$5000.00} with flat 3.4 % interest rate and flexible repayment options. Please refer to the simple table below for more details. Loan Approval Code XXXX Loan Amount {$5000.00} Total Payback {$5800.00} Monthly Installment {$98.00} Interest Rate 3.4 % Loan Term 60 Months As a financial business we are subjected to immediate but arbitrary audits by the US Federal Treasury Department. Your loan process was included in an audit and is now being monitored by the Internal Revenue Service. Being a Personal Unsecured Loan, we are now facing taxation for the loan amount and as a legal policy, you are required to shoulder a portion of this tax since the approved loan is on your name and will be deposited to your own bank account. Your responsibility on the tax amount is {$490.00}. Please be sure to settle this to complete the deposit prerequisites. Your insurance registration fee was processed through one of our corporate partners and accordingly received. The insurance policy number was successfully generated and is now attached to your loan profile as an update. The {$150.00} designated fee amount corresponds to loan protection contract for your {$5000.00} personal unsecured loan. You are bound to get the same amount back along with the loan amount upon deposit, making a total of {$5100.00}. For any instance that the loan process is hindered or if any of our requirements may unfortunately not be met, YOU WILL STILL GET REGISTRATION FEE OF {$150.00} BACK. Our systems also reflect that you settled the company 's CLOSING FEE requirement. The closing fee is the consolidation of Origination, Processing, and Commitment Fees, making a total of {$350.00}. This was added to your profile as an update, making you eligible to be endorsed to the deposit process. This was supposed to get your loan process finalized, but since the audit was UNFORESEEN, the taxation needs to be settled first. Kindly coordinate with your designated accounting specialist XXXX XXXX by dialing the number at the bottom of this email to settle the taxation and finalize your loan requirements. Thank you. XXXX XXXX XXXX Manager, Accounting and Legal Dept. PNC Loans and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX - XXXX OTHER PHONE NUMBER : XXXX | ||||||
| 10/12/2016 | Yes |
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| On XXXX XXXX, XXXX, my fiance and I entered into an agreement with XXXX XXXX of XXXX XXXX to purchase a condominium in the property located at XXXX XXXX XXXX XXXX, Delaware. The initial hold deposit of {$100.00} was paid at that time. A few days later we were to return with a deposit of {$500.00}, as well as a 50 % deposit on the upgrades ( {$4200.00} for wall paint colors, carpet and certain hardwood flooring, appliance colors, and backsplash in the kitchen ). The upgrades were to be made once the financing was approved. By XXXX XXXX, the {$4200.00} check had been cashed/deposited, and the upgrades began. On XXXX XXXX, we received the first mortgage denial letter from PNC. The reason stated was that the application was incomplete. All of the documents that the PNC Loan Officer- XXXX XXXX requested were delivered promptly within two or three days. He said everything would be fine. According to the contract, the seller, and the Loan Officer ( LO ), we were due to move into our unit by XXXX XXXX, XXXX. On XXXX XXXX, we were asked by the LO to come up with an additional {$3800.00} to close. Against better judgement, we were came up with the additional money ; only to find out we did NOT have a mortgage approval-and never did. According to information discovered much later, the application was never even reviewed by a PNC Underwriter. Our money has been used for upgrades to a unit we will not be approved or allowed to occupy and it seems no one is willing or offering to refund our money. Meanwhile, while we were expecting to be out of our current apartment and had given proper notice ; we had to agree to the additional costs ( {$100.00} more per month for 5 months-XXXX through XXXX ) of maintaining a month-to-month lease, while this matter dragged on and on and on. It was during that time after creating this fiasco, XXXX XXXX stopped taking our calls and responding to our messages. XXXX XXXX, knowing XXXX XXXX had conducted his business in the same manner with at least one other prospective buyer, introduced us to another Loan Officer with PNC, XXXX XXXX ( XXXX XXXX XXXX Mortgage Loan Officer PNC Mortgage, a division of PNC, N.A. XXXX XXXX XXXX Local Office : XXXX XXXX XXXX XXXX, DE XXXX PNC Financial Services Group XXXX, PA XXXX ( p ) XXXX ( fax ) XXXX XXXXXXXXXXXX ) After several conversations and meeting in person with XXXX XXXX we showed him the message from XXXX XXXX telling us to " disregard the denial letter, WE WERE APPROVED ''. XXXX XXXX then said he would take this to his boss, XXXX XXXX XXXX, ( XXXX ) and he was sure PNC would refund our money. His subsequent message was that they were shocked when that did n't happen. We were finally forced to renew our lease for another full year at our current residence. | ||||||
| 11/29/2021 | Yes |
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| I called PNC bank because I couldnt transfer money from my checking account to my home equity loan .On XX/XX/XXXX The first person I spoke to was XXXX I wasnt happy with the way she was speaking to me so I asked for her supervisor, she stated they do not have a supervisor, then I asked for their corporate office number she gave me the number I just had called? This time I spoke to XXXX on XX/XX/XXXX and stated I wanted to file a complaint against XXXX of PNC customer service he tool my information said someone will contact you within 24-48 hours. It took XXXX days when XXXX contacted me and said exactly the same thing that PNC only has XXXX contact number which is true because I went on the PNC website it only has XXXX contact number. I then received a email from XXXX on XX/XX/XXXX and then tried to contact her by phone and email and got no response. I finally researched on XXXX and found a phone number that I called and spoke to XXXX she took my report and again stated someone would contact me within 24-48 hours I told XXXX thats not true she then changed her response that it would be 3-7 days because of all the complaints they are having. I then asked to speak to her supervisor XXXX and told her my concern with their bank not posting my purchases and the complaint I wanted to file against XXXX. She the argued with me that their website has more than one contact number I disagreed with her and asked her to go on her own bank website PNC. She then came back on the phone after a brief hold and stated that I was correct so she lied to me. I went on their XXXX page and started to read thousands of complaints against PNC! I also saw a lot of complaints on XXXX, XXXX about how rude their customer service is and that there is only XXXX phone number to contact PNC. My first phone call I had to wait XXXX hours and no one answered so I tried the next day same thing happened. I then decided to go to XXXX of their locations in XXXX XXXXXXXX XXXX. The branch manager was extremely nice and tried to help I asked her I was trying to transfer funds from my checking account to my home equity loan on the PNC bank. She asked for my phone and tried also she had no luck she then attempt to call their corporate office for help sorry to say same thing happened to the branch manager no one answered. She then opened a book to try to find a number to call and did. She stated its a nightmare working for PNC. My concern is that it XXXX days to actually speak to someone XXXX the supervisor XXXX who got upset with me because I was correct that PNC only has XXXX contact number she then hung up on me after I waited a hour to finally speak to someone. Please read the reviews on the PNC XXXX pageXXXX XXXX and XXXX and you will see all the complaints! | ||||||
| 10/23/2019 | Yes |
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| Our complaint is with PNC home mortgage loan department, specifically with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX based out of IL and possibly Michigan from the phone numbers. We were referred to work with XXXX XXXX through our local PNC branch on XXXX of 2019. Initially everything was going smoothly and our credit report was ran and we received a preliminary pre approval, then wanted to get a final approval so that we could start looking for a home in a decent price range and were left with no answers from the senior loan office XXXX XXXX. We left messages sent emails with no response and it wasnt until we were able to connect with our local branch and speak with an employee there who the reached out to her supervisor and magically got a hold of XXXX XXXX. Upon speaking with XXXX XXXX we were told we could begin searching for our home and could use our preliminary pre approval to do so. We found a home rather quickly which then began the nightmare of working with this individual and everyone who we were told to contact for assistance and loan processing. We put in an offer on the home and it was accepted the same day and were told by XXXX XXXX that everything was good to go for a closing date of XX/XX/XXXX and even receive paperwork with this date so adjust our work schedules accordingly. Upon the acceptance of our offer and moving forward it has been nothing but XXXX. We receive emails for the request of further information needed and we left hanging with no phone calls from the lender to discuss this and when we call and leave multiple messages to the point where mailboxes are full, no calls are returned. When a call is returned it is always that more information is needed or that a mistake was made on the lenders end so we need to move the closing date out further. XXXX XXXX is the manager for XXXX XXXX, also never returns calls or emails, but XXXX admitted that a XXXX dropped the ball at one point in the process and it delayed things. Then XXXX admitted hat she submitted the wrong employment dates to the IRS and this is causing another delay. This individual has made this experience of home buying a toto also nightmare and disaster. Our realtor has reached out several time to our lender and left several messages with responses that are truly unexplainable from XXXX XXXX. Since every call is recorded I would love for someone to investigate what exactly is going on with our mortgage loan because this is unheard of. I have emails Ive send to everyone who is working on this loan and no reply. Purchasing a home should no be more than 30 days, when investigates you will find that this process has gone on for well over that and we still have yet to receive a final answer and are expecting our XXXX child in XXXX. | ||||||
| 08/22/2023 | Yes |
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| Subject : Complaint against PNC Bank regarding unjustified late fees, lack of payment notification, and persistent online banking issues Dear Sir/Madam, I am writing to formally file a complaint against PNC Bank concerning multiple areas of concern, including the mishandling of my credit card payment for the XX/XX/XXXX statement period and the ongoing issues with their online banking system. For your reference, I have been a PNC Bank travel credit card holder for over XXXX years, consistently paying my statement balance on time with few exceptions. I made a payment of {$5500.00} over the phone on XX/XX/XXXX, one day before the due date. Between XXXX XXXX XXXX XXXX, the PNC 's online banking system displayed the successful payment of the statement balance, leading me to believe that no further action was needed on my end. However, PNC Bank failed to process this payment, resulting in the application of a late fee and interest charges on my account on XX/XX/XXXX. Upon contacting PNC Bank, I was informed they couldn't locate the bank account from which the payment was initiated. Notably, I have been using the same XXXX bank account to make my credit card payments every month. Moreover, I've faced recurring problems with the PNC online banking system, which has made online payments impossible. And when initiating payments from an external bank, PNC often takes up to XXXX business days to process, leading to further delays. These ongoing issues were a significant factor in my decision to close my PNC checking account back in XXXX. Despite these challenges, what stands out is PNC Bank 's failure to notify me of any issues regarding the phone payment before the due date, preventing a timely resolution on my end. After addressing the unpaid balance on XX/XX/XXXX, and escalating the issue to account supervisors at PNC Bank over the phone, I was met with an uncooperative response, and the fees were not reversed. While I am personally seeking a resolution to these undue fees and charges, it is my hope that by bringing this to your attention, measures can be put in place to ensure that financial institutions, like PNC Bank, can not impose unwarranted charges on other customers or cause them similar distress in the future. It is essential that banks operate with transparency, efficiency, and a genuine commitment to their customers. I trust that the Consumer Financial Protection Bureau will rigorously investigate this matter and ensure fair practices are upheld. I am prepared to provide any additional information or documentation as required and look forward to a satisfactory resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone number : XXXX Email : XXXX PNC credit card number : XXXX | ||||||
| 03/17/2017 | Yes |
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| My problem is that PNC Mortgage is trying to sell my house at foreclosure auction without giving me the chance to be considered for any programs that would allow me to get my loan restructured or modified. There has been a major change in my financial circumstances as my wife is working full time and based on this information we certainly qualify for an assistance program. The issue is that PNC refuses to give us the time of day, refuses to open a new review, refuses to assign a contact to handle our case and instead is moving to foreclose on my home I have owned for the last 12 years. I worked as a welding inspector for the last 13 years until I was injured. I ended up beginning the process of applying for XXXX but it is a lengthy process. At that time my father was living in the home with myself and my wife. Although I was not bringing in any income at that time, my father picked up the slack and helped out with everything. The big problem started when he passed away. At that time I reached out to PNC in order to be reviewed for assistance options. I was told that I was denied because we did not have any income coming in at that time. I was waiting for XXXX and my wife was looking for work. Luckily we had some money put aside and continued making the payment for nearly another year, and then the funds dried up. My XXXX benefits case was still pending. I once again reached out to PNC to see if there were any options such as forbearance plans, deferred payment plans or unemployment plans. However, their agents refused to consider ANY of these options and immediately moved to put me into foreclosure. The good news is that there is a change in financial circumstances, my wife is working full time as an XXXX and contributing 100 % of her monthly income to the household. We are now in a position that we can definitely afford a reasonable monthly mortgage payment. The problem is that when I attempted to inform PNC of this situation and initiate a new review I was told it was too late and that they were moving forward with the foreclosure. This is not only unethical, in the state of California it is illegal. I believe I am entitled to a full review of my current and correct financial circumstances in order to determine eligibility for all federal, state and internal programs that are set up to help struggling homeowners. PNC Mortgage is refusing to do so and instead insisting on auctioning off my home unless I can reinstate the loan in full. I am not in a position to do that, but if PNC were to postpone this sale and review the current financial information they would see that we have a much improved financial position and would be able to get back on track with our mortgage loan and make a fair monthly payment. | ||||||
| 09/08/2016 | Yes |
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| I had hail damage to my home, deck, metal shed, patio heater, pool and other items XXXX 2016. XXXX issued XXXX check for everything. I have submitted replacement costs for deck stains, replacement shed, patio heater. PNC refuses to release money stating the check from XXXX is for repairs to home and other structures and I need to contact XXXX for money. I spoke to my agent in XXXX, Il along with claims adjuster and they state all damaged items were included in one check and PNC needs to release money to me. I have hired a company to repair home and contacted PNC on numerous occasions to get money to repair non structural items. They just keep telling me my insurance company needs to write me a check. In the meantime I am encountering more damage to contents in my shed, having to postpone repairs to my pool and deck due to the uncooperativeness. I ask to speak to management and continually told they are in a meeting or away from desk .Can never get beyond customer service. they will not even give me a number to leave a message. I have been trying to resolve since XXXX We hired an adjuster because we went through same issues 4yrs ago and even the adjuster could not get PNC to cooperate. PNC refused them their % age. We had to borrow money to pay the adjuster to move forward and now 5 months later I still have no repairs. I even went to the local branch in XXXX Mo. and they tried calling and could not get a reply. I have done everything I did 4yrs ago and for some reason the rules have changed and what I did 4yrs ago is n't working this year. My last conversation I was told that they are doing me a favor and reviewing to see if they can make an exception to allow me money to fix my shed. I had to sign affidavits and other paperwork stating I will make repairs to all damages received, however they will not release any money to do so, which in turn is causing more damages to my property. I am asking please for some help so I may get repairs done prior to weather getting bad and everything in my shed is destroyed. I have tool sheds, power tools, bikes, mower and other high dollar items. Who will replace them if they are damaged beyond repair? I have tried Mo. Div of Finance who referred me to you. I have contacted my insurance company, the claims adjuster and Mo Dept of Insurance. I have paperwork and email messages if you would like to see them. Ultimately I just want my home back to where it was prior to the storm. Per PNCs initial paperwork that 's what they say they want. But now that they have to release money it appears they would rather have my home deteriorate while they collect interest on the money. Thank you very much for reviewing my complaint. I will be anxiously waiting for your reply. Sincerely XXXX | ||||||
| 03/07/2020 | Yes |
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| My mortgage loan was transferred from XXXX XXXX to PNC mortgage as of XX/XX/2020. Prior to the transfer of my loan XXXX reviewed my escrow account and confirmed there was a shortage which caused my mortgage payment to increase. It was confirmed my homeowner 's insurance premium had significantly increased but Prior to the transfer of my mortgage I had my home owners insurance reevaluated and the premium significantly decreased as well. I reached out to PNC mortgage on XX/XX/2020 and was advised my escrow account would be reanalyzed and I would receive a new coupon book in the mail or I was able to go online and see my review and new mortgage payment amount. A week went by and I enrolled online and confirmed my payment still reflected the same amount. I made contact again with PNC mortgage and was advised no request had been completed and was also advised they didn't have access to my escrow analysis review previously done with XXXX XXXX and they needed this information in order to reanalyze my escrow account. I sent my homeowner 's insurance declaration page and the information on property taxes in order to have my escrow account reanalyzed. I was advised the requested documents would take a couple of days to view and the information to be updated. I called again and was advised the request for reanalyzing the account was never submitted again. The request was submitted. After another attempt I was advised I would have s supervisor call me with the updated information on my new mortgage payment and would be able to make my XXXX payment at that time. I received a call from a manager and was then advised they were not able process my request and would follow back up with me XX/XX/2020 I went ahead and made my XXXX payment at the higher amount to get it taken care of. I never heard back from the manager who confirmed she would be the one working on the matter and she would take care of it. I called PNC mortgage XX/XX/2020 and requested to speak to a manager and my request was denied. I was then told my request would be escalated when told I would reach out to the XXXX XXXX XXXX, the representative stated a manager would reach out to me within 24 hrs I have not been contacted by anyone at PNC mortgage as of today XX/XX/2020. Also as of today my escrow account has not been reanalyzed and my payment remains the same. I feel like PNC mortgage has taken advantage of ever aspect possible in this matter from being promised certain things and not following through with them. The lack of knowledge of Representatives I had to speak to is an understatement. Each and every time I called I was told something different and I always did and sent everything I was being asked for.or provided everything I was asked to provide. | ||||||
| 01/08/2020 | Yes |
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| On XX/XX/XXXX, I opened an account at PNC Bank in XXXX, PA. The initial deposit was approximately {$3200.00}. Between the opening date and my departure to XXXX, no other large deposits were added. Upon arriving in XXXX, I opened an account at a XXXX bank. Prior to my first paycheck, small deposits via XXXX ( {$100.00} - {$150.00} ) were deposited to my PNC, which was linked to XXXX. I believe maybe two or three. Again, no large deposits or withdrawals. On XX/XX/XXXX, I informed PNC that I will be traveling to XXXX with a return date of XX/XX/XXXX. Their representative informed me that I would have to inform them every 30 days that I remain out of the country. I made a call to PNC on XX/XX/XXXX to update travel notification. Upon arriving in XXXX, I received two deposits ( {$100.00} & {$150.00} ). I returned back to the states on XX/XX/XXXX, for the upcoming holidays. I visited a PNC in XXXX, NJ to exchange Euros for dollars. At that time, I was informed by the teller that my account had a " hold '' status. I telephoned customer service and spoke with XXXX XXXX. He informed me that someone called PNC on XX/XX/XXXX regarding a {$1000.00} deposit that was not in the account. PNC provided a provisional deposit of {$1000.00} and on XX/XX/XXXX those funds were withdraw. Immediately, I informed them that I did not make such a request. An investigation was initiated. Mr. XXXX informed me that a HOLD would be placed on the account and to destroy my debit card. On XX/XX/XXXX, my parent informed me that a letter arrived from PNC. Again, even after the HOLD was supposedly added to my account, PNC allowed another individual to call regarding a {$1000.00} deposit. PNC provided another {$1000.00} provisional deposit. These funds were withdrawn. Now, PNC is attempting to hold me accountable for monies that they freely dispersed. The balance on the account should be no more than {$10.00}. PNC did not ask any verification of information for the imposter to PROVE that they were me on the other end of the phone. They did not ask for birth date, address, social security number, and or mother 's maiden name. They just dispersed funds freely. What has annoyed me is that they did it a second time after a HOLD was placed on the account!! I have telephoned on XX/XX/XXXX, spoke with another representative, XXXX, that informed me that fraud was " all over '' the account. She, herself, could not understand it. She wrote up a Security Incident Report, # XXXX. I did not get such a report when I spoke to XXXX XXXX on XX/XX/XXXX. This is disgraceful. I am left to believe that these fraudulent transaction are actually being done " in house ''. Why would they issue another provisional {$1000.00}?, especially if the account has a HOLD on it! | ||||||
| 12/07/2020 | Yes |
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| In XX/XX/2020, my daughter and I contacted PNC Bank in an effort to refinance our multifamily to take advantage of lower mortgage rates. This process brought to light exorbitant closing cost fees and prejudicial appraisal practices encouraged by PNC Bank. During the documentation process, we came to learn that PNC Bank charges what is considered exorbitant closing cost fees in excess of {$19000.00}. After checking with other institutions, it was confirmed that this amount is considerably high for a residential refinance. After a long documentation process, we then endured what we found to be a prejudicial home inspection/appraisal performed by XXXX XXXX, XXXX in which we believed that the property was greatly under appraised based on other recently sold neighborhood comparables. The property was appraised at {$670000.00} in an area in which other comparable properties are valued at $ XXXX {$800000.00}. The property was appraised just two years prior during purchase at {$720000.00}. Additionally, over the two year period of ownership we put in an additional {$100000.00} of improvements into the property. We expressed our dissatisfaction with the appraisal and requested a secondary appraisal be performed. This request was denied. However, we were told that we could request an appraisal rebuttal for which the property could be re-evaluated. For this process, we submitted a number of comparable properties that had recently sold in the area for high amounts. Nonetheless, the comparable properties were simply rejected by the appraisal company and a re-evaluation never occurred. For the above reasons, my daughter and I decided to decline the mortgage refinance. A few weeks went by when we received a letter in the mail from PNC Bank expressing that the loan had been denied due to credit denial, not that we had decided to opt out of the loan or that my daughter and I both had credit scores that were over and above what PNC Bank deemed as good scores that were well over XXXX. We contacted PNC numerous times to submit a complaint and to discuss the issues. Many attempts to contact the bank went unaddressed. Yet, after a number of persistent phone calls, we were able to get a return call from the manager of the loan department named, XXXX XXXX. During the conversation, she seemed to be explaining a different reason for the denial that did not match what was stated in the denial letter we received. So, I asked her if she had reviewed the letter we had received along with the complaint that had been submitted. Sadly, she had to admit that she had not read them prior to returning my call. How can a manager address a complaint and follow up with a customer on an issue when she has not properly prepared herself? | ||||||
| 06/16/2023 | Yes |
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| I traveled to XXXX XXXX in XXXXXXXX XXXX on XXXX ( XXXX ) separate occasions ( dates listed below ). I paid for the reservation with a completely different bank card, but I utilized my PNC XXXX XXXX card for the {$50.00} resort incidental charge for all XXXX ( XXXX ) separate occasions. Upon checking out each of the XXXX ( XXXX ) separate occasions, XXXX XXXX in XXXX, XXXX released the {$50.00} incidental immediately, however the funds HAVE NEVER been returned by PNC XXXX XXXX and in fact, have recently found out that PNC XXXX XXXX added an additional 15 % charge to each of the {$50.00} incidental charges totaling each separate XXXX ( XXXX ) occasions to {$57.00}. Upon calling PNC XXXX XXXX customer service several times, I have been repeatedly told that the charges are not visible. I then call back to customer service and told that the charges are miraculously visible but in a pending state, and has that additional 15-20 % surcharge in addition to the incidental that PNC XXXX XXXX blames on the resort and or hotels. PNC XXXX XXXX has given me an expectation of XXXX hours ( XXXX days ) for funds to be released, however its been well over the XXXX days and funds have not been returned. Ive called and called to rightfully have my money returned from PNC XXXX XXXX as they are stealing, scamming and fraudulent charging and holding customers funds. Please see XXXX XXXX dates below. Between XXXX XXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXXXXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX - - - - - - - - - - - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The same incident occurred between XXXX XXXX XXXX XXXX XXXX XXXX, as I paid a {$50.00} incidental but PNC XXXX XXXX charging me an additional 15-20 % more than the incidental and then claiming the charges arent visible, then retracting that statement and stating that funds will be reversed in XXXX hours but never happening. I also have a pending transaction between XXXX XXXX XXXX with a completely separate XXXX XXXX where my total was {$130.00} for the room and with the {$50.00} incidental is {$180.00} out the door. However PNC XXXX XXXX billed me {$210.00} which is an additional {$25.00}. I am including the pending transaction as well to ensure I receive that incidental and the extra percentage PNC XXXX XXXX charges back immediately as well. This is corporate theft, fraud and scamming from PNC XXXX XXXX and all my money needs to be returned immediately and Im certain Im not the only person they do this to, but I refuse to be bullied, stolen from, scammed and defrauded and I will continue to file complaints and on the verge of a class action suit. | ||||||
| 10/21/2016 | Yes |
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| I came into PNC 's XXXX XXXX location to open the accounts on XXXX/XXXX/14, however the slips are dated XXXX/XXXX/14. I did not fill them out. The person who opened my accounts, XXXX XXXX XXXX, is the one who filled in both deposit slips. This issue is with the deposit into the checking account- it is off by {$12000.00}. I was n't given credit for the correct amount of the certfied check deposited. The checking account deposit was {$2000.00} in cash plus the certified check. The amount of the check was {$16000.00}, but I was only given credit for {$4800.00}. The total deposit amount for the checking account should have been {$18000.00}, not the {$6800.00} I was credited. If you look at the deposit slip you can see the errors XXXX XXXX made. At the same time I opened the checking account, I opened a savings/money market account in which there was a cash deposit of {$12000.00}. After speaking with customer service many times and getting nowhere ( I kept being told that the error would be corrected and to wait a few business days for my adjusted credit to post ), I escalated my dispute and it was sent to PNC 's Retail Escalation Department. I initially heard back from XXXX XXXX in their Retail Escalation Department, who left me a voice message stating she investigated my dispute, saw the error made by XXXX XXXX, and would contact me again once the missing funds were posted to my account. The dispute I made was only regarding the deposit error made to my checking account. The deposit slip and credit appiled to the savings/money maket account was correct and therefore there was no reason for me to make a dispute for that account. I later got a call from XXXX XXXX in which she made the assumption that the certified check was split as I could not have had a total of {$14000.00} in cash with me ( I was given no basis for this assumption ) when I opened the accounts and that my dispute was being closed. I have spoken with cusomer service multiple times and have been told there is no documentation reflecting/supporting the determination by XXXX XXXX that the certified check was split. I went to the local branch and was told by the manager that only the Retail Escalation Department can do a credit adjustment for deposit errors. PNC 's policy for disputes is to issue a provisional credit 10 days after that dispute number is opened. In order to avoid giving me a provisional credit of {$12000.00} PNC keeps closing out my disputes without giving me notice it is closed. I am not given a reason why or who closed it. I keep calling customer service, am told my dispute is closed, and then have to open a new dispute. I ca n't reopen a closed dispute and the new dispute restarts the 10 day clock for the provisional credit. | ||||||
| 06/02/2020 | Yes |
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| Companies Involved : XXXX XXXX and PNC Bank, Underwriting Dealer Services I will try to be as succinct as possible, so please bear with me. I had purchased a used vehicle on XX/XX/2020 from XXXX XXXX in XXXX, Maryland. They told me they would be seeking financing through XXXX XXXX. The next day on XX/XX/XXXX I found out I was unemployed indefinitely and permanently due to Covid. Since XX/XX/XXXX was a Sunday and both the dealership and XXXX XXXX were closed, I contacted XXXX XXXX first thing in the morning on XX/XX/XXXX to let them know what happened. They told me I couldn't return the vehicle. I did contact XXXX XXXX the same day and they confirmed they did not have my application. With the knowledge that I no longer had an income, they side-stepped XXXX XXXX, the intended lender, and sent another application to PNC. One, I never gave them permission to seek financing with another lender ( it clearly states in the financing addendum that they need my agreement to do that. The addendum I will attach. ) PNC turned down the loan and then they then went to another lender, XXXX XXXX, submitted an application, again without my prior knowledge or permission, with the full and absolute knowledge I no longer had an income. XXXX XXXX approved the application. I contacted XXXX XXXX immediately upon receiving my letter of acceptance from them to let them know that the information they were probably given was false. They have been working with me on this and they did ask me to provide a copy of the application that was submitted to PNC by XXXX XXXX. Both PNC and XXXX have refused to send me a copy of the application. I am actually more interested to see what PNC got from XXXX. XXXX XXXX has suspended any payments to assist me in resolving this issue and have been very cooperative and suggested I contact you. I last contacted PNC on XX/XX/XXXX and spoke to " XXXX '' in the underwriting department at PNC in XXXX. She went back and forth between me and the underwriter said that even though it's my financial information, they will not release it to me because their client is XXXX XXXX. When I her to put that policy in writing for me so I had something to go back to XXXX XXXX with, she refused. She wouldn't even give me the name of the underwriter she spoke with, she wouldn't even give me her last name. Even the branch manager of my local PNC Bank, XXXX XXXX from XXXX XXXX, Maryland couldn't get them to budge on that. Ideally I would like to see the application that XXXX sent, but it's more important to see what PNC received. It is my belief and XXXX XXXX 's belief the information they sent PNC was different than what XXXX XXXX received, because obviously XXXX XXXX would have turned it down too. | ||||||
| 02/04/2021 | Yes |
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| I, XXXX XXXX, consumer and former member of PNC bank, wish to file a complaint against PNC bank for violation of the Electronic Fund Transfer Act heretofore known as EFTA. ( EFTA ) is a federal law that protects consumers when they transfer funds electronically, including through the use of debit cards, automated teller machines ( ATMs ), and automatic withdrawals from a bank account. Among other protections, the EFTA provides a way to correct transaction errors and limits the liability resulting from a lost or stolen card. Electronic fund transfers are transactions that use computers, phones, or magnetic strips to authorize a financial institution to credit or debit a customers account. Electronic transfers include the use of ATMs, debit cards, direct deposits, point-of-sale ( POS ) transactions, transfers initiated by phone, automated clearinghouse ( ACH ) systems, and pre-authorized withdrawals from checking or savings accounts. The EFTA outlines requirements for banking institutions and consumers to follow when errors occur. Under this act, consumers can challenge errors, have them corrected, and receive limited financial penalties. The EFTA also requires banks to provide certain information to consumers and defines how they can limit their liability in the case of a lost or stolen card. If the institution is notified within three to 59 days of a lost card, the liability could be as much as {$500.00}. And should it not reported within 60 days, the consumer isn't protected from liability at all, meaning it could forfeit all funds in the associated account, and be responsible for paying any overdraft charges. My complaint hinges upon the fact that the complainant informed PNC bank of unauthorized charges on his account within 60 days of opening his account. The account was opened on XX/XX/XXXX. I began receiving notices from PNC bank at the end of XXXX concerning fraudulent activity on my account. Consequently, PNC bank ignored the complainants requests to flag his account for fraud and to disable his stolen card after noticing the unusual activity and transactions that took place on his account. Because PNC failed to protect the complainants account from fraud, they have violated the spirit of the act and should be addressed accordingly. The Act clearly states that if an institution is notified within three to 59 days that the liability is capped at {$500.00}. PNC bank has now initiated collection procedures ( see attachment ) against the complainant without legal basis or due process and has initiated irreparable damage to me financially and professionally and I am seeking damages for their egregious and willful violations to EFTA. I am seeking damages of {$5000.00} for their violations. | ||||||
| 06/27/2018 | Yes |
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| I took out a HELOC with PNC bank in XXXX of last year ( XXXX ) and promptly set up an automatic payment to be deducted from my external checking account. This loan has an XXXX Only period during the 'draw period ' and the automatic payment is set up to pay this interest payment. PNC initially failed to set up the automatic payment - despite XXXX attempts during which we followed their instructions to set it up - so we made manual payments and eventually in XXXX they confirmed that the auto pay is all set up. But then, they started sending me notices that my account is in default and past due, when I called they assured me the letters were sent in error and it is " all fixed now ''. They attributed the error ( which they said is affecting XXXX of their customers XXXX to a " software glitch '' in their new servicing system. despite this assurance in XXXX, they kept sending me such notices of being in default, ( despite me seeing them withdrawing my monthly payments on time from my checking account ) I spent hours on the phone with them, they kept assuring me all is good and fixed but not so! Most recently I received a XXXX from them saying that they are suspending my " credit privileges '' and I will no longer be able to draw on my line of credit. In fact, as of the time of this writing my account shows as suspended. My most recent communication with PNC was on XX/XX/XXXX with a supervisor who explained that the issue was that the payments, although timely, were erroneously being misapplied by their system and instead of covering interest the entire payment was being applied to principal thereby making it look like I was past due with my interest payment. This supervisor said it will be fixed very soon. I asked why did PNC not send any written communication to those XXXX affected customers, explaining the issue and assuring them this will not affect their credit reporting, etc ...? this supervisor said he does not know why. I asked if he can email me this assurance in writing and he said he is not sure what he is authorized to put in writing. At this point I do not know what to do other than turn to you. I am concerned about this eventually being XXXX reported to the credit agencies as a derogatory payment history ( I take my credit standing very seriously ) and although I don't have any immediate credit needs the point of obtaining this line of credit was to have credit available to me and now it is suspended because PNC still has not fixed their issue. I also can not keep spending hours on the phone with them trying to fix this - I don't have the time for this. I just want this fixed once and for all. I am a good customer who pays on time - PNC needs to get their act together and do their part! | ||||||
| 12/22/2022 | Yes |
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| I have been in a non stop struggle with XXXX XXXX XXXX ( XXXX ) who services my private student loan I took out during my XXXX education in XXXX when I was XXXX years old. The loan is through PNC. XXXX has made it impossible for me to defer payments. In XX/XX/XXXX, I had my first child and was without work or pay due to XXXX XXXX XXXX XXXX I had to fight to be able to postpone payments and since then, they have not allowed me any more deferment or forbearance time. On XX/XX/XXXX, I reached out to potentially lower my payment and they suggested I apply for a loan modification. I received the form on XX/XX/XXXX and submitted it back to them via their online portal on XX/XX/XXXX. My elderly mother has power of attorney for my grandmother who co-signed my student loans nearly 20 years ago. My co-signer grandmother now lives in assisted living with XXXX and is unable to fill out the loan modification paperwork independently, and her assisted living home is XXXX hours away from my home. XXXX has found every reason to reject my loan modification- they needed the form to have N/As instead of blanks or zeros, despite working with them to fill out the forms repeatedly. They told me my paycheck was too small and unreadable, despite sending them the only check form Im able to receive from my employer. I submitted forms back and forth to them more than 7 times since XX/XX/XXXX through XX/XX/XXXX, and finally on XX/XX/XXXX, I get an email that my application was expired and I will need to start all over again. I am absolutely drowning in student loan payments. Between XXXX and another private loan with XXXX XXXX XXXX, I am currently paying more than {$600.00} a month just in private student loans. This has made trying to buy a house impossible. I was late on XXXX payments waiting for them to finalize this loan modification but they are so desperate to squeeze every last dime out of hard working small families, they refuse to make any adjustments or accommodations, and even during the holiday season? Its pathetic. I worked on this during XXXX, my daughters first birthday, now through XXXX and potentially looking at having to fight with them through thei New Year.. and Ive already paid off the money I originally borrowed XXXX over - and I still have XXXX more years of payments. I am disgusted, discouraged and absolutely broken down by this process. I wish I could go back and tell my teenage self to avoid this servicer and this loan at all costs. This has cost me so much time, money, and peace, and Ill never get any of that back. All for what? To have a job I could have gotten without my XXXX and XXXX XXXX. I was conned into this and I have no way of getting out. I cant even die to get out of this, its terrible. | ||||||
| 01/15/2021 | Yes |
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| On Saturday, XX/XX/2021 my husband and I received a letter in the mail from our bank, PNC, located at XXXX XXXX XXXX XXXX XXXX in XXXX, PA XXXX. In the letter, it stated that my husband via email disputed XXXX payments. The three payments were to XXXX XXXX for our rent in the amount of {$790.00}, XXXX XXXX for our insurance in the amount of {$170.00} and XXXX XXXX for our phone bill in the amount of {$190.00}. We did not put a dispute in. Not only did we not, but the bank never verified the dispute with us verbally or otherwise to check its authenticity. We called the bank and made an appointment to see XXXX XXXX on XX/XX/2021. Now please keep in mind, according to our statements, there was not a dispute showing nor credits given to us by the bank. While speaking with XXXX, I saw a discrepancy in their system regarding the three disputes. In each dispute, all three amounts had the decimal point moved three times to the left. Then it was corrected. Also in their system but not on our statement, it showed a purchase at XXXX for {$1000.00} that we did not make. It was not until we arrived at the bank that the dispute and other strange activities showed up in their system and their system only. We then spoke to the assistant bank manager, XXXX XXXX. Like XXXX, he had stated that he too has never experienced anything like this before. He also said since we were credited the money that was disputed they were taking it back. We tried to explain, we were not credited any money, our books balanced and we did not put a dispute in. He said before any money would be taken from our account he would call us first. On XX/XX/2021 The bank took the money out of our account and locked it so we could no longer access it. XXXX XXXX did not call or would he respond to our calls. On XX/XX/2021 my husband went to the bank and met with XXXX. She said since we signed a contract stating we would not give out our information, theres nothing they can do. My husband filed a report with the FBI as instructed, as the bank felt the breach came from a loan attempt my husband tried to get for XXXX through XXXX XXXX. He did check them out prior through the XXXX etc and no red flags popped up per say. I am in respiratory failure and am terminal. Both my husband and I are on permanent XXXX. How can they do this legally? I truly feel this was a breech on their end since our books balanced. Enclosed I have provided everything I could to help assist you. Statements from our end and what documents I could obtain from the bank and their system. Please, please, if you can help get our money back we would be so grateful. I know it may not seem like a lot. But its all we have. Thank you for your time. Sincerely, XXXX XXXX | ||||||
| 06/11/2016 | Yes |
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| My mortgage ( specifically a Home Equity Line of Credit ) payment amount was {$1300.00}, and its bieng changed to {$770.00}. The process is a " PNC Loan Modification ''. PNC has a 3 month " trial '' period for this program. If all XXXX payments are made, the loan amount becomes permanent. The problem is that even though they approved my loan modification, and I am making my payments on time ( I gave them XXXX check numbers so they can process XXXX every month, on the XXXX, by themselves. Insuring I wont ever be late. ), they still send me collection notices. These " notices '' say they were unable to contact me, and its very urgent they speak to me, and I am XXXX or XXXX or 90 days behind on my payment. When I call, as directed by the PNC letter, I am told my account is current and not to worry. PNC says these are automatic and can NOT be stopped. They tell me my account is in good standing, and ignore these letters. However, its been a month, and I got another XXXX. I called ..again ... .and was told the same things. They also are reporting me to transunion as being late. I feel this is just terrible and wrong of them! They tell me collections will continue during this 3 month trial because some people dont make it through the trial period. I want to know why am I being penalized because " other people '' failed this trial period? Because of this PNC loophole, If you pull my credit report, it showed I was 30 days, and now 60 days late, and next month there will be a 90 day XXXX. Nobody can see that Im " really '' not late, and im in a trial period for a modification, and Ive made XXXX of my new payments on time. All you 'll see is the late marks ... and my every lowering credit score from this. I do what I am told. I call, as per these letters, and Im approved for the loan amounts, yet I am being reported, my credit score lowers, and have collection letters sent to me, that even PNC tells me to ignore. Does this seem fair? Can anything be done? This just seems wrong to me. I should n't be penalized for doing what I am supposed to do, should I? Why cant PNC stop the collections, even if just for these " 3 month trial periods ''? Cant they give me the benefit of doubt that I will continue to make the payments, which I have been making so far? When I try to find someone at PNC to ask if they can stop the reporting, I get the run around. Collections dept transfers me to the supervisor, who transfers me to something called " c cat '' dept, who tells me I have the wrong dept, and I need to speak with collections. Enough to drive even the most patient person to insanity!! Nobody at PNC seems to be capable of helping in an way. They brush me off, and transfer me around to someone else | ||||||
| 08/27/2022 | Yes |
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| I was talking with my personal banker at PNC Bank in XXXXXXXX XXXX about trying to resolve some personal debt, and she recommended a HELOC to consolidate my debt and pay off credit cards. everything we discussed was a {$320000.00} fixed rate HELOC with the only difference between it and a mortgage was that this wouldn't have an escrow account to pay my home owners insurance and property taxes, I would be responsible for that on my own. At the time I started and completed the application XXXX XXXX XXXX XXXX time frame ), I was told my fixed rate was LOCKED in at 4.28 % while we went through the entire process all the way to closing. It took 5-6 weeks to get to closing ( middle of XX/XX/2022 ) and the day before we closed, my loan officer from the PNC cooperate office called and told me the rate was 5.44 %. I called my personal banker at the PNC XXXX branch and told her it was different than what we had been discussing the entire time, but she went to her higher ups and got confirmation that the rate was locked in at 4.28 %. When we went to close, some forms said 4.28 % and some said 5.44 %, but my personal banker had gotten confirmation and we ( she, me, and the other PNC employee who was there at signing ) discussed that the rate was 4.28 % fixed rate. I signed and everything was good to go! My first statement even shows 4.28 % on the initial line of credit, but it shows the interest rate being at 5.44 %. Then the loan shows up on my account and is showing that I owed what would be 4.78 %, despite showing everything we had discussed with it being 4.28 % fixed rate. When I questioned the corporate office, they said that the " prime rate '' had increased between when I applied and when I closed ( even though I was notified and NONE of my paperwork said anything about 4.78 % ). After my first payment, I noticed that the payment amount was not 4.78 % interest, but actually 5.44 % interest. After much back and forth with my personal banker and the corporate office, they say I am stuck at 5.44 % even though there are call logs and all the paperwork showing between me and other PNC employees with us discussing that the rate is 4.28 % fixed rate. The local PNC bank has been extremely helpful and I feel that they are fighting to help me, but the corporate office is not being helpful or fair at all. My personal banker, the other PNC employee who was at signing, and myself were ALL under the impression that this was a 4.28 % fixed rate loan. If I were to keep this loan for the 30 years I would be paying an extra {$75000.00} because they took advantage of the situation. In the beginning, I was told this was 4.28 % fixed rate and it has changed twice without notice ( i have paperwork showing this ). | ||||||
| 09/21/2022 | Yes |
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| On Friday, XX/XX/XXXX, I contacted PNC through virtual message to ensure if I downgraded my virtual wallet checking account that my promotional offer already received would not be affected. I was assured it would not be, and given instructions on how to downgrade the account online myself. Even though it is technically a single virtual wallet account, any of the virtual wallets are actually divided into XXXX " accounts '' ( spend, growth, reserve ). In XXXX, the only deposit accountI have with PNC is the XXXX virtual wallet checking account. On Saturday, XX/XX/XXXX I completed what I thought was the simple online process as outlined to me the previous day of clicking a couple buttons to downgrade my PNC Performance Spend ( Virtual Wallet ) to the lowest level Virtual Wallet offered at PNC. Although I did reach a screen congratulating me on picking the right virtual wallet account for me, severalerror messages popped up also. When I went to my account home page, instead of having the Virtual Wallet ( which is always XXXX separate accounts, but all VWs ), I had two " Interest Checking '' accounts and one " Premiere Savings Account ''. This concerned me, as I know at least with the savings account, there is a hefty monthly fee associated with not having a minimum balance ( which I do not have ). I contacted PNC right after this on Saturday XX/XX/XXXX via chat. I was told that it should resolve overnight and to contact them again if it wasn't the next day. I contacted PNC again via chat in the afternoon of Sunday XX/XX/XXXX as instructed, as the accounts were still not corrected. At this time, I was told it would be escalated in the next 1-2 business days. My escalation # XXXX. On Monday, XX/XX/XXXX I logged into PNC again to see if it was corrected. It was not. There was a change though- I DID have A regular Virtual Wallet account ( But only 1, not 3 ) and I now had a " Standard Checking '' and still a " Premiere Money Market '' account which are not correct. When I contacted PNC on Monday XX/XX/XXXX via chat, I was told to wait another 2-3 business days. As of XX/XX/XXXX, nothing further has changed. I have only a single virtual wallet account ( not divided into XXXX separate XXXX accounts as is standard ) and still have the " phantom '' Standard Checking '' and " Premiere Money Market '' savings accounts that resulted from some PNC IT issue in the downgrade process. I do not wish to wait for this simple issue to drag on for weeks or months while I end up being charged low balance fees etc. on these phantom accounts that I did not agree to open. I only ever opened a single virtual wallet account. Standard Checking and Premiere Money Market accounts are NOT virtual wallet accounts. | ||||||
| 08/27/2015 | Yes |
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| Last year I was in the market for an apartment and I was researching mortgage rates. I found a good rate at PNC. The rate was better if I opened a PNC bank account. I did so but I did n't intend to use the account. Eventually the real estate transaction fell apart because the seller priced the apartment at {$20000.00} more than its appraisal value so PNC could not honor the loan amount. At that time I had stopped direct deposit on my rent from XXXX XXXX XXXX so I had to pay one month 's rent from PNC. This brought my PNC balance to {$1600.00}. I did not know that under {$2000.00} PNC would charge me {$15.00} per month. I received no online alert stating this. Three months later the bank called me to tell me they had removed {$45.00} from my account. I went on line and discovered that there were numerous automatic alerts in online banking including insufficient funds but this refers to insufficient funds for a check not for PNC 's limits. To get an alert for that the customer has to know that they need to set a balance alert. I am not an irresponsible person. I do n't have any credit card debt or other debts and had I known about the fee I was being charged I would have immediately put money into the account to fix the problem. Luckily {$45.00} was an amount I could afford and I was notified before this went on indefinitely. However, I know that for some of the indigent clients whom I represent losing this amount would be a hardship and could potential cause many problems for them and their families. There are benefits and drawbacks to having everything online but one benefit should be increased protections and safeguards for consumers not fewer of them. If banks are going to be able to charge fees to customers who still have money in their accounts and who have online banking they should have to send an automatic alert stating this fact when it happens. Why should they be able to choose to automatically alert me about insufficient funds but make alerting myself when they withdraw money from an account that still has money in it solely my responsibility? They did not instruct me that I needed to set up this balance alert at the time I opened my account. I trust that the CFPB will act so that banks can not hide this practice by claiming it is the consumer 's responsibility to know every aspect of online banking. Please ensure that customers know when their money is being taken by banks. If they choose not to fix the problem then that is the customer 's fault but if they are not made aware of the problem so that the bank can keep collecting fees that is a problem of corporate malfeasance. I thank you for your work protecting the American consumer and I hope you will address this concern. | ||||||
| 03/24/2015 | Yes |
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| In XXXX XXXX, I received written notice that the Home Equity Line of Credit currently held by me would expire on XXXX XXXX and I was given several choices concerning the loan. I chose to refinance the loan and began steps to do so as outlined by PNC Bank. After several attempts to comply with the bank 's request for information in a timely manner, all documents were submitted as requested, however, I began to sense my application would be denied because XXXX of their request was unreasonable ( they asked for a copy of my income tax for the year XXXX, specifically Schedule XXXX, though I did in fact obtain an official transcript from the IRS and presented it to PNC Bank, they would not accept it as what they needed even though the document came from the IRS and it was clearly stated on the form that the document was suitable for mortgage purposes! By now we are into XXXX so the request was made that I be allowed to use my XXXX taxes which was finally accepted by PNC Bank. In a letter dated XXXX/XXXX/XXXX I was informed that my application to refinance the line of credit was denied due to : '' Insufficient down payment and/or equity in collateral in addition to information based in whole or part from an outside source ... ... I am personally aware that PNC Bank has denied credit/mortgage loan to another XXXX couple when it appears there was no real basis for that denial other than potential discrimination, their names and other information can be submitted upon request. I believe I am a victim of racial discrimination/unfair lending practice. PNC Bank did a Property Valuation Report and within the report under Market Sales and Trends my home was compared to several others homes, my home is a tri-level but was compared to XXXX ( XXXX ) story dwellings, I know that on a scale of '' risk in lending '' from XXXX I am a XXXX risk, my credit score from XXXX ( which PNC used is XXXX ) and the property valuation plainly states the report they submitted is not a real estate appraisal, evaluation or similar documentation of the subject property ( XXXX ) .In addition, in late winter of XXXX, I had listed the property for sale with XXXX and soon thereafter received a written offer to purchase my home for {$100000.00} and when I rejected that offer another offer was made at $ XXXX.I rejected both offers because I realized I was not ready to sale my home and withdrew my home from the market. Surely no home declines that much in value in less than a year! It appears that the XXXX area has been redlined as it is a predominantly XXXX area and I believe this has played a big part, in addition to me being a XXXX female, to PNC Bank declining to refinance the line of credit I currently have with them. | ||||||
| 04/09/2020 | Yes |
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| On XX/XX/XXXX I entered a XXXX XXXX transfer from my PNC checking account to my mother 's checking account at XXXX XXXXXXXX XXXX for {$25.00}. When I entered the transaction through my online banking portal with PNC, the system confirm on the screen stated funds would be received in my mother 's account by XX/XX/XXXX. On Monday, XX/XX/XXXX, I called PNC Bank because my mother indicated the funds still had not come through. The PNC rep I spoke with indicated there was no indication of any XXXX XXXX transfer on the system, indicating I had either not entered it or somehow had made a mistake. This was very frustrating, as the online system had indicated my transfer had gone through and that the funds would arrive by Thursday, XX/XX/XXXX ( 2 business days ). The rep stayed on the phone with me while I entered a new transfer. She verified it went through and she could see it on her end. Both the online banking system and the rep stated the funds would be in her account by Thursday XXXX ( 2 business days ). The rep also verified XXXX XXXX XXXX participated in the XXXX XXXX program so there should be no issue with my mother receiving the funds. On Tuesday XX/XX/XXXX, I entered another XXXX XXXX transfer for {$45.00} from my PNC checking account to my mother 's XXXX XXXX XXXXXXXX checking account. Once again, the system indicated the funds would be received by Thursday XXXX ( 2 business days ). On Thursday XX/XX/XXXX, my mother indicated the funds still did not show in her account, nor were there any pending deposits. On my end, the PNC online banking system showed my account had been debited for both the {$25.00} transaction and the {$45.00} transaction, with a posting date of Wednesday XX/XX/XXXX. I called PNC Bank and the rep stated I should give it more time ; she stated the funds may not show up until XX/XX/XXXX or XX/XX/XXXX. She could offer no explanation as to why this happened and offered no solutions on how to rectify the problem. My mother called XXXX XXXX XXXX directly and they indicated they, in fact, do NOT accept XXXX XXXX. I called PNC Bank back, and the rep, who was extremely condescending, stated the only way to get the funds back at this point would be to dispute the transaction, and that it would take 10 business days at a minimum to dispute the charges. She gave no assurance the situation would/could even be resolved, leaving me with no resolution. When I asked to speak to a supervisor, I was put on an endless hold. After at least 30 minutes of waiting, I had to hang up. So as of right now, my PNC checking account has been debited a total of {$70.00} and I was given no assurance it would be credited back ; I was only told I could dispute the transaction. | ||||||
| 02/15/2022 | Yes |
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| I am in the process of trying to acquire a mortgage loan. I contacted PNC Bank to consider getting my loan through them with me having a bank account with PNC as a long term customer. I spoke to a Mortgage rep name XXXX XXXX on XX/XX/2022. I told him what my interests were and he asked me to go onto the PNC website and submit documents. I did immediately and reached a snag in his enrolment online system where it would not allow me to move any further. I tried reaching out to XXXX for 2 days via text and calls. He responded XXXX days later. He finally sent me a link and asked me to log back in and try again. I did and after speaking with XXXX only twice I did not get a good working relationship feeling from him that says he would work hard to get my loan done. I called XXXX XXXX on XX/XX/XXXX and told him that I did not want to continue working with him and that he should cease and dismiss all actions related to working with my account because I have decided to work with someone else. XXXX XXXX was came off disturbed asking why did I want to discontinue our working relationship and I explained that I decided to work with someone else who offers a little more optimism and enthusiasm with my loan application. XXXX XXXX went onto start explaining how he didn't see where it would matter because he did not see where anyone could get the loan approved. To the contrary, there is a mortgage company who can get the loan done and all they were waiting on was a letter from my university to close. I hung up on XXXX XXXX and in return he submitted a slew of derogatory comments to my credit reporting agency stating, " my loans were being denied by PNC '' for a multitude of reasons. The unethical, unprofessional, and fraudulent actions by XXXX XXXX where all based on misleading reasons for reporting from the beginning. If there were to be any report filed, Mr. XXXX XXXX should have filed that, " the loan application was canceled by the consumer. '' However, in his unprofessional abuse of power, Mr. XXXX XXXX took it upon himself to conclude, out of anger, that he would directly lie to prevent me from doing as I stated and go work with a different lender. Mr. XXXX XXXX violated my consumer right to not work with him and abused his power to destroy my chances of getting a loan with someone else. I have a closing date coming up in approximately 5 days and XXXX XXXX, because I chose not to work with him has caused my loan to beheld up and possibly lose my loan. I do plan to follow this complaint up with an attorney and HUD as well. I do not suggest anyone do business with PNC Bank considering this is the type of abuse of power and unprofessionalism you are subjected to have to encounter. | ||||||
| 10/24/2019 | Yes |
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| I was contacted by XXXX in regards to a job with XXXX XXXX on XX/XX/XXXX. These people pursued to offer me a position and send me a " bonus '' check on XX/XX/XXXX. Through my PNC Application, I uploaded pictures of this check and PNC accepted the mobile deposit. I waited the appropriate timeline per our customer agreement for PNC to clear the funds and release the funds into my account prior to making any transactions. I made two separate transactions several days after PNC released the funds, at this time the check had been deposited into my account. A few days later, PNC withdrew the check from my account claiming insufficient funds, as a result of a fraudulent check from the aforementioned XXXX XXXX, causing my account to be overdrawn. When I became aware of this, I immediately went into the PNC on XX/XX/XXXX, to discuss the issue and the overdraft. During the discussions, I was told that PNC was going to open two disputes within PNC in regards to the fraudulent checks. I asked to dispute the fraudulent check and asked why PNC would release funds into my account without verifying the funding source. I also inquired about why PNC would allow transfers out of my account without verifying I had those funds in my account as well. I was also told that PNC would defer my overdraft fees at least 30 days after this was resolved and they had lied to me about this and started charging me the day they denied the disputes on their end. PNC has informed me on XX/XX/XXXX that my disputes were denied, however my disputes were filed within XXXX, regarding the transfers out of my account. There were no disputes placed on PNC for the Fraudulent check and PNC 's verification process behind transfers in or out of my account. Today, XX/XX/XXXX, I called a number given to me on the dispute to obtain documentation regarding the resolution. The lady from PNC told me that there were no documents and also that there was no way to dispute Fraudulent checks within PNC. Since there is no formal dispute for Fraud, she offered to leave a note from a supervisor to contact me. I have also contacted the FBI and my local police department in regards to this situation. Ultimately, my issue lies with PNC not performing internal controls around customer deposit accounts or performing due diligence for checks coming in from financial institutions or performing due diligence/settlement procedures for customer deposit accounts prior to funds release. The financial institution 's lack of controls and due diligence facilitate and enable fraudulent behavior and allow malicious agents to continue to defraud consumers while PNC profits from their deficiencies and the bad actors via assessments of overdraft fees. | ||||||
| 04/19/2017 | Yes |
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| XXXX XXXX I wanted to explain our circumstances in this situation. My husband had a XXXX XXXX XXXX and we missed one m ortgage payment. Made a deal with the bank to pay an additional {$200.00} per month. Which we did. Bank called one day saying they were no longer accepting our payments. My husband insisted on paying any way. The bank called again to advise they were n't accepting any mortgage payments. I asked where are the 3 pay ment I sent. The bank said they had no idea where that money was. So we did stop making payments since the bank was playing some type of game. A few months later we received a summons that they were starting foreclosure. We called the bank and they said do n't worry about appearing in court, this is just to verify we were living here. They advised us to try a loan modification, which we did. Then there attorneys contacted us with a three-month trial modification which we did. Paid them {$250.00} and them {$250.00} for 3 months to the bank. After we completed the program they said the investors decided not to go with it. We ended up in court and they were putting our house for sale. The judge advised us that we were suppose to answer the compliant. He considered the situation we were in and gave us 30 days to answer the complaint. We tried to handle it ourselves. We provided the copies of the three checks that PNC had lied and said we did n't pay. Thinking this would be enough proof that PNC lied. But it was n't and the judge ruled in their favor. Went to legal aid and they addressed our situation and we won. We then hired our current attorney, XXXX XXXX had a trial and won the judgement. He advised the bank gets nothing. A new case was started without an appeal. PNC just passed up the appeal process. PNC 's lawyers knew we had the checks where they said we defaulted. So then they changed the default date to XXXX . Our lawyer addressed this to XXXX XXXX the different dates. However all these lies did n't matter to her. PNC is involved in fraudulent foreclosures, the judge is aware but is bias to us and is reselling our house XXXX / XXXX / XXXX . We won the first judgement and PNC st ill does n't have proof of the right to foreclose on us as they are not the legal server of this note. We are being denied our constitutional rights and double-jeopardy is being used against us. We are in desperate need of help. XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX won judgement XXXX XXXX new one PNC still does n't have the legal right to foreclose but Judge XXXX XXXX is allowing it Reported her to the Chief Judge and he advised all his judge are fair and follow the law Obliviously he is n't going to help us | ||||||
| 12/29/2020 | Yes |
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| I filed a dispute on Saturday XX/XX/21 when around XXXX XXXX I deposited several checks, and the ATM ate them without giving me credit and printing a blank receipt. It took EVERYTHING and said it was a system error. I came into the branch immediately the following morning, and the acting branch manager was clueless about the process. When He had to call into customer service and seem like he didnt know what to do. He filed a dispute but didnt really have any type of information that was of any value. I got three different timelines, one from the branch manager, another from the head teller who I was referred to and another from the phone agent, none of which matched any of PNCs disclosures I read. I asked the acting branch manager to contact the ATM company and he said that they dont do that. So there I was 30 feet from the ATM sitting in a branch and not able to get my checks that were in there. The branch did not immediately file a work order with the ATM servicer and my dispute dragged on for weeks. When I contacted the ATM company and they said that the work order was supposed to be filed to service the ATM in the event of dispute, and that they had nothing on file. I also contacted customer service by phone to file them online and phone dispute because of the performance in the branch. I had very little confidence that anything would be fixed timely. Its horrible going into a holiday with something like this happening to your money. The deposit included my unemployment checks and reimbursement for insurance premiums I was paying as well as other project income I had earned over the last few months while on furlough. I was so distraught. After many calls and emails I received provisional credit after I called to remind the agent that I had been waiting 10 days for my checks. I was expecting my checks to be located from the atm and deposited the retuned to me which I requested. I just happened to check my account last night on XX/XX/XXXX, and noticed that {$1200.00} had been charged back to my account from the provisional credit with NO explanation. No communication was provided to me pertaining the results of the investigation. I was expecting the deposit amount to increase NOT decrease because the were more checks deposited than I had the stubs for at the time of the deposit. I wish to dispute the provisional credit, with subsequent withdrawal without explanation. I would like a full explanation as to what happened to my checks and the results of the investigation which is dragged on for so many weeks. I would like all of my money returned and credited immediately. Upon resolution I wish to close all business and personal accounts currently on file with PNC. | ||||||
| 12/02/2022 | Yes |
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| We never stopped paying PNC Bank After proving PNC wrongfully started foreclosure proceedings in XXXX while our account was paid up to date, PNC Bank retaliated by forcing the entire loan due immediately. They would not let me pay one dime more on the loan it was all or nothing. I have proof that PNC Practices have been abusive, deceptive, and unfair. After filing a complaint with the Consumer Financial Protection Bureau and not getting anywhere had no choice spring XXXX but to file for a modification to stop the foreclosure. Once again, no communication or notice was given but I kept calling to find out we were granted a trial modification at a very high rate we were expected to pay {$2000.00} a month on a $ XXXX HELOC. I made the payment, tried calling to confirm with XXXX XXXX at PNC, no reply, out sick then off work. Found out from another PNC Bank representative over a month later that the payment went to the wrong department! That is why it was returned! Total breach of fiduciary duty, what about due diligence? A simple note in our file, anything, to let someone know the status?? By the time all this was figured out and explained we were not only under foreclosure, but a sheriffs sale was set for XXXX XXXX XXXX No one should live with despair like this! Culpable negligence, PNC misapplied payments, harassed me, charged enormous fees, penalties and continued to debit our account until it was overdrawn. Our home is listed for sheriffs sale on XX/XX/XXXX for $ XXXX? How can they do this to us? Wont anyone help? Ive kept a listing of PNCs unprofessional behavior over the years and what I have had to endurePNC is a glorified loan shark taking advantage of less fortunate. The HELOC in question was a high interest predatory loan solicited by a bank representative, XXXX XXXX. This same bank representative granted my husband a $ XXXX second mortgage loan 14 months prior to discussion of the HELOC ( the terms of the loan had him paying interest of 50 % of the loan principle ). My husband could not make the $ XXXX second mortgage on time but that same bank rep granted a $ XXXX additional HELOC? My husband overdrew his PNC checking account 15 x the three months preceding the HELOC approval date and with the $ XXXX loan we already had no equity left in our home! Since this loan was taken out I've had XXXX children, XXXX twice and it looks like a possible third and final time... I'm trying to be responsible and pay what is due... they took advantage and have made my life a living XXXX. Everyone in the neighborhood knows, my kids friends say things to them. ( My daughter is in XXXX XXXX/my son in XXXX XXXX ) ... they are both XXXX XXXX.. PLEASE HELP US! Can anyone help? | ||||||
| 11/06/2018 | Yes |
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| On XX/XX/2018, upon re-entering PNC Bank at XXXX XXXX XXXX in XXXX North Carolina to inquire about a fee I was charged to cash a check that was drawn on PNC Bank, I was told by the Assistant Branch Manager by the name of XXXX XXXX. XXXX that my check, issued by XXXX, was a fraudulent check. ( The check had already been cashed by the teller prior to my involvement with Mr. XXXX ). I proceeded to ask Mr. XXXX what was fraudulent about the check. He began to tell me that the paper that the check was drawn on was regular copy paper ; that the check was blurred and some something pertaining to the font on the check that raised some red flags. He then begin to proceeded to call XXXX, I presume in his attempt to verify the check. Again, the check had already been cashed minutes before. I re-entered the bank to ascertain the veracity of the fee that I was charged to cash the referenced check. One teller told me it was {$2.00}. Another said it was a 2 % fee. I asked if there was a policy available for me to view re : this discrepancy. After I told him if it was a fraudulent check that I've been receiving the check for the past 11 years. Upon apologizing, Mr XXXX continued to tell me that it appeared that the check was fraudulent. I informed Mr. XXXX that he conduct was disingenuous to the customer to make such allegations without providing proof. Mr. XXXX made me as a consumer feel that I was not welcomed or valued. although I am not an account holder of PNC, the check was drawn on an account holder of PNC Bank. This kind of behavior was not only inexcusable, but as an African-American, it appeared to be stereotypical and made me feel that Mr. XXXX was racial profiling me. The two tellers were both XXXX-XXXX. However, I inquired upon Mr. XXXX, how he could tell if a check was fraudulent just by looking at it. Originally I went back into the branch, after cashing the check because I was told upon entering that if I did not have an account there would be a 2 % fee or {$2.00} fee. Based on the amount of the check the amount would have been less than the {$2.00} fee that I was charged. However I was then told that it would be 2 % or {$2.00} whichever is greater. I asked if I could see the bank 's policy regarding what I was being either there or online. No policy was made available for me. I informed Mr. XXXX that I would be lodging a complaint with the Consumer Financial Protection Bureau regarding his unprofessional and unethical behavior. He then said that the bank 's policy had recently changed. As a consumer I felt very humiliated and frustrated at the whole experience. Consequently, I never did get a resolution for what was originally intended. All rights reserved | ||||||
| 03/30/2023 | Yes |
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| To Whom It May Concern : I went to sign into my PNC Bank account today, and I received a pop-up reflecting that my on-line banking had been revoked. I spoke to various customer service representatives, and even used the chat feature, to find out why my on-line banking had been revoked. All I was told by several representatives was that my on-line banking could be revoked for up to 30 days while they are investigating my account. Not one representative could tell me why. I requested a call back from someone in the Investigation Department. 6 hours later, a Manager from PNC called me. Apparently, I was not allowed to speak to the Investigation Department directly. The Managers was very helpful. Although she did not know the answer as to why my on-line banking had been revoked, she was determined to find out. After being on the phone for 35 minutes with the Manager ( she was playing the middle person between me and the Investigation Department ), she found out why my on-line account was revoked. And here is why I deposited a 3rd party check into my PNC checking account, via ATM, with the payees signature and my signature as I was instructed by PNC. PNC then sent me a letter and a copy of the check and instructed me to take these documents into a PNC Branch and redeposit the check along with my identification and the payees identification. Therefore, the payee and I went to a PNC Branch and followed their written instructions. The reason for the revocation of my account was due to attempting to deposit the same check twice. If the Investigation Department actually knew how to investigate, they would easily be able to tell that I was instructed to deposit the check again at a Branch with the Payee. Even though the Manager told the Investigation Team that I was instructed by PNC to redeposit the check, they werent listening. They had her tell me to go into a PNC Branch and show them proof that the check I deposited was made out to me. I told her several times, the check was not made out to me, hence the reason why the payee and I went into the Branch with our IDs as instructed. Its not like I was credited twice for the deposit. I also gave them additional information that they didnt ask for. One, the payee of the check was my father, and I could send them proof. Two, the reason my father signed the check over to me in the first place was to repay me for the cost of my uncles funeral. My father did not have the money to pay for the funeral upfront, but reimbursed me with the life insurance check once he received it. At the end of my conversation with the Manager, nothing was resolved, and I was told again that my on-line account may be revoked for up to 30 days. | ||||||
| 10/25/2021 | Yes |
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| I owned a XXXX XXXX, which was heavily affected by the Covid-19 shutdown which took place across the country and I counted myself very fortunate to have the opportunity to receive a Payroll Protection Loan . I opted to apply through my regular business and personal banking partner, PNC. Shortly after receiving my PPP funds, I was approached with a generous offer to sell XXXX XXXX. The buyers were looking to take advantage of another program through the SBA, approved by congress, which allowed for forgiveness of 6 months of loan payments on any 7 ( a ) SBA loan, provided that the loan closes by mid XX/XX/2020. Having the PPP loan still outstanding, I requested with PNC that I be permitted to place the full amount of the loan in escrow after closing of the sale of the business in order to allow for additional time required to apply for and get a determination of loan forgiveness. For about a month I went round and round with PNC with them ultimately telling me that my options were to pay the loan off, wait to close until after it was forgiven, or dont sell the business. I checked with other banks, one of which is the largest SBA lender in the country, and they all said escrow was an option at their banks in an instance like this. So I was faced with a decision : Do I sell the business or not? I chose to sell the business and therefore paid off the full amount of the PPP loan ( {$100000.00} ) plus interest of a little over {$300.00}. I did this in the hopes that even though it was paid off, PNC would still allow me to apply for forgiveness in the spirit of the intention of the law and the program it created whereas congress expressed that if small businesses took this money and used it to pay their employees to avoid catastrophic economic consequences, they would be given an opportunity to have the loan forgiven. This has not been the case. For over a year, I have been attempting to communicate with PNC about applying for forgiveness. They did NOTHING to help me. I feel like PNC forced my hand in paying off the loan and now theyre penalizing me for it, even though it was the clear intention of the United States Congress for me to get this money and use it to help my XXXX and its workers. I implore you help me in any way that you can. I did not sell my XXXX for XXXX of dollars. I am not retired. I took advantage of an opportunity to sell this company so that I could move on to a less recession-exposed venture and not go broke. I used the PPP funds per the law and subsequent interim final rules to keep the company viable and to keep my staff solvent. This $ XXXX is not an inconsequential amount of money for me or my family.I want PNC held to account. XXXX XXXX | ||||||
| 02/05/2020 | Yes |
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| On Date XX/XX/XXXX there was an unauthorized charge on my PNC debit card for {$100.00} made at a gas station in XXXX XXXX about 50-60 minutes from where I live. I have never been to that area in my life. On XX/XX/XXXX, there was another unauthorized charge of {$99.00} on my debit card also at a gas station in the same area as the previous transaction. My debit card was in my possession at all times and I did not lose it or let anyone borrow it. I called the bank on XX/XX/XXXX when I saw the transactions and reported the fraud. The bank never advised me to contact the merchant, as a matter of fact, I asked for the merchant address and they told me they did not have the information and told me to XXXX it, nor did they tell me that it was necessary to file a police report. They temporarily credited my account. I received a letter on XX/XX/XXXX that my claims had been denied with no explanation why and was told that the money would be withdrawn from my account. I called the PNC fraud department and was told that I should've known that I had to call the merchant and file a police report without being told to do so. They were extremely rude and unhelpful. Finally after asking several times how this bank protects my account from fraud, without an answer, my concern was sent to the escalation department. I received a phone call from them the same day along with an email. I called the phone number and left a message to the escalation manager who sent me the email. She never returned my call. I wrote her an email as well and she never replied to the email. I called the XXXX number and waited for another escalation manager to help me and got through to someone and explained what was happening. He stated that my claims were denied because other charges on my account hadn't been reported. I told him that the other charges were valid and I made them and they had nothing to do with the two fraudulent charges I didn't make. This makes no sense. He said he was going to submit the claims again for another investigation so that I can have my money returned to me. This was on XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating that my claims were denied. I don't understand how a proper investigation was done in two days. I also called the police and filed a police report on Friday XX/XX/XXXX reporting this fraud. I called the escalation department and advised them that I filed a police report and to call me back so I can give them the report number. No one called me back. I'd also like to add that I've had a mortgage with PNC since XXXX as well as a bank account. I've had nothing but terrible customer service and feel very unsafe in keeping this bank account open. | ||||||
| 11/05/2021 | Yes |
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| I had an account with BBVA USA. PNC Bank bought BBVA USA, and their goal was to automatically convert all BBVA USA customers into PNC Bank customers. I do not want to be a customer of PNC Bank, so I waited for the documentation explaining how the acquisition would happen. I received in the mail a document called " PNC Consumer Disclosures and Agreements '', which states on page 21 : " You don't need to sign this Agreement. When you sign the signature card, electronically acknowledge that you agree to the terms and conditions of the agreements provided on the " Terms and Conditions '' page of the online account application, use your account ( s ), or add/change services connected to your account, you are agreeing to the terms and conditions of this Agreement '' I also received in the mail a document called " PNC Business Disclosures and Agreements '', which states on page 14 : " You have agreed by signing the signature card and/or by using your account on or after the opening date '' So, I intentionally did not do any of the above, and the statement in the " PNC Business Disclosures and Agreements '' document is false. In fact, it could not possibly be true since the document was received prior to accounts at PNC Bank being opened the weekend of XX/XX/2021. Then, I began receiving letters in the mail about an account in my name at PNC Bank. I have called several times, and was never given an explanation as to how there is an account in my name at PNC Bank when I have never agreed to that. The latest representative that I spoke with on XX/XX/2021 actually confirmed that what happened with the accounts was specifically not in accordance with what I received in writing from PNC Bank. I asked, specifically, whether what happened is different from what I am reading in the document referenced above ( which I read aloud to him ), to which the representative answered, " Yes, that's correct. '' If I am unable to resolve this through the Consumer Financial Protection Bureau, then I will have to go to court to force PNC Bank to comply. I never agreed to an account with PNC Bank. They ask on the phone if I want to close my account, to which I answer that I do not have the authority to close any account at PNC Bank because I have never agreed to any terms or conditions for an account there, and that there should not exist an account at PNC Bank under my name. I have attempted to resolve this with PNC Bank directly for both a personal checking account and a business checking account, both of which were fraudulently assigned to me in PNC Bank 's attempt to " automatically '' acquire customers, regardless of their desire to have a financial relationship with PNC Bank. | ||||||
| 04/05/2016 | Yes |
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| I had a car loan through PNC and after being talked into making them my primary bank, opened an account with them. On two separate occasions, several months apart, they initiated payments from that account as I was behind on my payment ; but the funds were not available on either occasion and they generated overdraft fees. I choose to no longer keep funds in the account and switched my direct deposit back to XXXX. The account was a requirement for payments on my car loan so I maintained, but they started charging monthly charges which I was not going to pay. Rather than reverting the account to the free account I had initially requested, they charged off the account. While all this was going on I entered my final semester in college and had trouble obtaining my financial aide and was again behind on my payments. They contacted me when I was 2-3 months behind on my payments ; I attempted to inform them that I would make a partial ( half-month ) payment, followed by a repeat of the same in 2 weeks, and a full payment on the next due date to reduce my delinquency. I was told that only a full payment would be accepted and that repossession would be attempted. No resolution was reached. When I received my financial aid a month later I attempted to make my account current. The checking account had been closed and I had no path to make my payments. I called the local branches on multiple occasions, was connected to non-local branches on multiple occasions, went into the local branch, called the auto loan branch and there was no one willing to accept my payments, nor to simply reopen the checking account to let me then post my payment. Just short of two months later the car loan was closed in a defaulted standing. When approached by the auto loan/reclaim department of PNC, I was offered a repayment offer that would give me a lower monthly installment ( & lt ; $ XXXX/month ), which was not much of a shift from the original setup ( $ XXXX/month ... I always made payments of $ XXXX/month ). The intent was to " reboot '' my loan, while not removing any of the default reportings on my credit. So go back to the status quo, but have a far less chance of refinancing with another loaner to get away from those that I now had sour business dealings with. I opted to make no payments and not divulge the location of my vehicle and now 2 years later ( with no payments! ). I approached the bank with a settlement option, {$3600.00} on the $ XXXX+ that was the remaining balance, no interest would be accepted on my part as I did not feel it was fair or in my best interest to include them in the base evaluation. My account has now been reported as paid in full on my credit report. | ||||||
| 09/20/2017 | Yes |
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| In XXXX of this year, PNC Bank closed a XXXX card I held with it since XXXX. I filed a complaint with the Better Business Bureau immediately after. The facts are set forth below. The business was having issues with its mobile payment system. Despite informing its consumers via email, it refused to wave late and interest fees on my account as a result of its system malfunction. The business later closed my account and insisted that it was a my request, which is false. I made a payment to my account on its due date of XXXX XXXX, XXXX. There were continual issues with PNC 's mobile app that day ( this has been noted contemporaneously, and copies of said notice from PNC are attached ). Because of said issues, the payment was not submitted until after the cutoff time of XXXX XXXX on XXXX XXXX, XXXX. The representative I spoke with on that day coached me through making the payment via your website because of the issues with the app. They also confirmed making notation to my account of the issues, and assured that any fees in conjunction with the payment being potentially late would be reversed. On XXXX XXXX, XXXX, I advised a representative of my XXXX XXXX, XXXX experience, and asked that she review the notes accordingly. Her response was that her supervisor would return the interest to my account, but not the late fee. I replied that if, and only if PNC would not comply with its own policy concerning reversal of late and interest fees as well as the Fair Credit Billing Act ( FCBA ), I would institute proceedings to close my account. When speaking to the bank on XXXX XXXX, XXXX, XXXX XXXX credited my account {$25.00} for the late fee, and explained by admission, that what occurred on XXXX XXXX, XXXX was not standard protocol or PNC 's policy. And that PNC would not waive just interest, and not the late fee. Whether my inquiry to the Better Business Bureau prompted this response from PNC is unknown. But I was certainly not advised that it were returning the late fee as a courtesy, but rather to be in compliance with the bank 's own policy, which clearly was not carried out on XXXX XXXX, XXXX. While subjective, I would argue that PNC not complying with FCBA, and its own policies would be grounds to forcing my account closed. Further, if my account was closed due to misinformation and PNC 's position remains concerning reopening my account, which was only closed because of information and misrepresentation and non-compliance of its own policy, I have no choice but to request that the BBB document this matter for public consumption, and escalate this matter to the Federal Trade Commission, State Attorney General, and the three ( 3 ) major Credit Bureaus. | ||||||
| 03/31/2016 | Yes |
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| This is information that should be included with Case # XXXX submitted this evening also. Texas Regulations allow a XXXX % Homestead Exemption for XXXX of the XXXX taxing entities for property taxes using different tax rates for each entity. The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.XXXX % of {$330000.00} is {$260000.00} and NOT {$200000.00} as shown on the tax certificates. The XXXX XXXX, XXXX letter from PNC attorney after receiving the QWR stated the error was made by using XXXX % of {$25000.00} which was a construction title policy which is {$200000.00}. That letter was also provided to HUD. One must make the calculations using both base amounts, as we have and the result is the construction title policy, which PNC and their attorney failed to include, will not produce the amounts shown on the un-altered tax certificates.This had been verified by the XXXX County Tax Office, XXXX XXXX XXXX as all calculations provided by me should be verified by the proper office. The individual amounts on the tax certificates ( XXXX ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( {$750.00} and {$690.00} ) were incorrectly placed on the Disclosure to be paid in XX/XX/XXXX rather than the correct amount for XX/XX/XXXX of {$320.00}. This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the XXXX. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately {$900.00}. Using a PNC calculated amount ( {$4200.00} for the tax estimate, minus XXXX page of the tax certificate of {$3300.00} and used for an escrow analysis when the refund was made to the borrowers, {$4200.00} - {$3300.00} = {$950.00} This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors | ||||||
| 07/08/2020 | Yes |
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| Way back in XX/XX/XXXX, I Contacted PNC Bank concerning Unauthorized charges, PNC never conducted a proper investigation. I requested the steps and specifics concerning the investigation they claimed to have completed, PNC Bank refused to provide that information to me. I Filed complaints on XX/XX/XXXX another on XX/XX/XXXX, PNC Bank did not respond with the information requested alternately, danced around the crux of my complaint. It has been over 3 years and PNC Bank still has not provided a proper response. Apparently PNC Bank feels time heals and forgets, as now they come at me with an offer to pay off or settle for 20 % of what PNC Bank alleges I owe. The low offer itself is a testament PNC Bank is aware how weak their claim is. SEE CASES # XXXX, XXXX & XXXX This debt is not my responsibility plus PNC Bank has given up any legal right when they decided to ignore rules and regulations by not acting in a timely matter, not conducting the proper investigation and numerous other procedural shortcuts they decided to take from my previous issues. Additionally, I am requesting a Cease and Desist from PNC Bank or any Collection agency they fraudulently attempt to sell this JUNK debt to in the event PNC Bank does sell this debt to a collection agency which would be another direct violation. This letter is in response to the many correspondence I have been receiving from PNC Bank. ORDER TO CEASE AND DESIST ALL COMMUNICATIONS : According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call or contact me in any way at home, at work, on my cell phone or at any other location. Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. I am keeping accurate records of all correspondence from you so if you continue to contact me I will hand this over to my attorney XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX. | ||||||
| 02/05/2019 | Yes |
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| On XX/XX/2019 I received an email from PNC Bank XXXX my mortgage servicer ) stating that my automatic payment of my mortgage was processed, however I noted the amount was double that of my mortgage payment. I verified with my checking account that two payments were removed on XX/XX/2019. One of which was the authorized mortgage amount of {$2000.00}. A second, unauthorized payment was also processed from my bank account in the amount of {$2000.00}. I then attempted to login to my online banking account and was found that I was locked out of my online banking portal with PNC bank. Therefore I could not verify my loan payments having been made and received. I then called PNC bank and spoke with a customer service rep ( XXXX ), he alerted me that PNC was aware of the situation and I had two courses of action, 1. receive a mailed check in the amount of my duplicate payment, this check would take 10-14 days via mail. 2. I could go through the verified process to receive a wire transfer in the amount of the duplicate payment. I told him that I could not wait 10 days to receive my funds back and that this was an unauthorized payment made to PNC that they needed to fix this problem. He alerted me that my only other course of action would be to call my personal bank and stop payment on the second unauthorized amount. I then called my personal bank, they told me the funds could not be stopped on their end but they were still pending and there was no reason PNC bank could not cancel the transaction in order for my funds to not be taken out of my account. - I called PNC bank back, I spoke with XXXX who gave me the same 2 courses of action as I was originally told. When I asked him to simply cancel the second unauthorized payment he told me that PNC bank does not cancel payments ... .. I escalated to his supervisor ( XXXX ) she verified that PNC bank would not cancel the payment on their end, she alerted me that " upper management '' is aware of the situation, she did not know how they would return my funds or when I would receive them but I was to trust her in knowing that they are working on it and my funds would be returned. I asked how they would correspond with me going forward, and she said they would not initiate any communication, I would need to call back to find out more information about my funds. Meanwhile, PNC bank has {$2000.00} of my money that I did not authorize them to take from my account and I have no repercussions in knowing when they will be returned to me, if I will have my funds to pay the rest of my bills for the month and feed my family and I am left with no answers as to when or how my money that they took from me will be returned. | ||||||
| 03/14/2023 | Yes |
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| I am writing to request your assistance in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX XXXX so this complaint is specific to PNC-my bank and where the checking account involved resides. My intention in contacting the CFPB is to motivate PNC to respond. I also imagine I am not the only consumer waiting on a response from PNC ( or XXXX XXXX ). I was a victim of mail check fraud in XXXX, XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my PNC bank account. Per PNC, they are still waiting to hear from XXXX XXXX, the recipient bank that cashed my fraudulently altered check and, since XXXX XXXX does not have any real presence in Ohio, this is further complicating the timely resolution of my case, per PNC. I have also been told by PNC that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per PNC policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of PNC 's request for information and filing of XXXX Police and Inspector General reports and within the 20 days required timeframe and all of these documents have been provided to PNC last year. It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at PNC has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved XXXX XXXX to respond to PNC. My request is full restoration of my funds with interest by XX/XX/XXXX, which, as I understand it, requires XXXX XXXX to respond and work with PNC. The PNC reference number for my case is XXXX. The checking account # is XXXX. In addition, it appears expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds and advising consumers where/how to complain appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting PNC. | ||||||
| 08/23/2018 | Yes |
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| I have 2 Home Equity Loans with PNC. The payments are due on the XXXX of each month : {$660.00} on the primary and {$39.00} on the second. On XX/XX/18, I realized the auto-payments through PNC 's online payment transfer system did not occur on XX/XX/18 or XX/XX/18 as I had expected. I did not get a call and, since I use a separate checking account for loan payments only, I did not notice I had missed 2 payments. Once I did, I called customer service, went to the bank, etc., etc. I was told they would investigate the problem. I made 4 separate payments on XX/XX/18 ; two of XXXX and two of XXXX. I then made both payments on XX/XX/18, bringing my loans up-to-date. Eventually, I was informed that the investigation found that there was nothing wrong on the bank 's end and it was determined that I must have canceled the auto-transfers in XX/XX/2018. I was told it would not be reported to credit bureau. Since I didn't have any proof to argue that I did not cancel my auto-transfer, I moved on and continued to monitor my accounts online. Once I was up-to-date after the payments on XX/XX/18, I set up the auto-transfer online again except I changed the amount and frequency in hopes to get ahead on my loan. I set up bi-weekly payments of approximately half the amounts due XXXX {$330.00} and {$20.00} ). I ensured the payments would be paid so that the total amount due was paid before the XXXX. Therefore, on XX/XX/18, payments for XXXX and XXXX were paid to the loans. Then, on XX/XX/18, two more payments of XXXX and XXXX were paid to the loan ; total paid was XXXX and XXXX - made before the actual due date of XX/XX/18. Then on XX/XX/18, I got a call from PNC 's debt collection, informing me that I was behind on my payments by half. I went through each payment with the representative. She told me she could see that payments had been made and the accounts should not be showing as behind. She told me she would " put in a ticket '' to have it resolved and I should just keep making my payments as I had them set up. Also on XX/XX/18, payments of XXXX and XXXX were automatically transferred from my PNC checking account to the loans. And again, on XX/XX/18, two more payments of XXXX and XXXX were made - again totaling XXXX and XXXX, paid to the accounts before the due date of XX/XX/18. Then, on XX/XX/18, I got ANOTHER call from PNC 's debt collection department, telling me my accounts were both past-due. I attempted to go through each payment with the representative but this time she told me there were no payments made in XX/XX/2018. I have no idea what the problem is but I need it to be resolved, I'm sick and tired of having to deal with this every month! | ||||||
| 12/20/2021 | Yes |
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Web | Older American |
| We started the online process of refinancing our original mortgage with PNC on XX/XX/2021 ( reference number # XXXX. ) I have saved all the emails from XX/XX/2021 to XX/XX/2021 to employees of the PNC mortgage department, except the secured emails from PNC as they are unavailable to access. I will outline the experience my wife and I went through as PNC employees disassembled the whole refinance process over a 5 month period and denied us a mortgage. XXXX XXXX, mortgage officer, and I started communication after the online application. I completed all the portal steps for application in timely fashion, day or two. In the months of the conversation of emails I inquired many times about the holdup with the refinance, why was it taking so long. I was told there are alot of applications and people are overworked. I could understand that process, but a refi for an existing customer seemed like a slam dunk. That is why I went with PNC in the first place. Eventually, the process was moved to XXXX XXXX, one of the closers ( paper shufflers. ) The paperwork nightmare on many levels, especially XXXX XXXX, spiralled down in that I became concerned about lost documents. Requiring me to resubmit the same documents made me question the integrity of the process and safety of my financial information ( taxes, bank statements ). I wasn't sure why my documents became lost, one document was sent 3 times by me to PNC. I asked to talk with a supervisor, to give feedback about the process, as it was taking months. XXXX XXXX contacted me and began to attack and blame me. I wanted to find out why it was taking so long and he became aggressive. He did not respond at all to my concerns. In fact he cancelled the loan and I have not every been informed as to why I was not given a mortgage. He actually blamed me for the mortgage not being completed and retaliated by dropping my application after I told him I wanted to talk to his supervisor, XXXX XXXX, that I was going to report to the CFPB. I never heard back from XXXX and XXXX, despite requesting a formal internal investigation by PNC about the process of my application. I was never told why my remortgage took 5 months to come to some conclusion that I wanted to close on that mortgage rate which was locked in at 3.00 %. Since I was locked out of the process I can only conclude the refusal to move my mortgage along was due to my wife and mine age, we are both over 65 years of age. I think the way they handled me was discriminatory based on age. Nonetheless, I reapplied at our personal bank and received a refinance, of course at 3.25 %. Looks like I lost because PNC discriminated against my wife and I, due to age. | ||||||
| 05/23/2023 | Yes |
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Web | Older American |
| RE : PNC Bank 's wrongful dishonor of my properly payable check and PNC 's response to my initial complaint I thank XXXX XXXX for responding to the CFPB regarding my complaint that PNC wrongfully dishonored my properly payable check. For the most part, XXXX XXXX response merely reiterates my statements and provides little substantive information. Over the period of months during which I was a PNC customer, PNC Bank established a pattern of no-written-response to my contacts on the PNC website and to the email account of the XXXX branch manager as far as I am aware. XXXX XXXX did not provide a written response to my XX/XX/2023 email request to cancel the dishonored check until the written response submitted to the CFPB ; instead she merely emailed a request for a telephone conversation. XXXX XXXX statement via the CFPB that the dishonored check is the subject of a stop-payment order is welcome notification. I ask that XXXX XXXX clarify the issues by identifying in writing and in detail the certain circumstances that authorize PNC employees to refuse transactions by providing written bank protocols that identify those circumstances. I ask that XXXX XXXX identify those certain circumstances in the written material provided to me at the time I opened the accounts by page number and by paragraph on the designated page. In addition, I ask that XXXX XXXX clarify and identify the specific circumstances that authorized PNC Bank employee ( XXXX ) to refuse the transaction in the case of the wrongful dishonor of my properly payable check. The sole transactions in my PNC Bank accounts were large or large-ish dollar amounts ( with the exception of a single $ XXXX XXXX deposit of a cashiers check drawn on XXXX XXXX Bank ) between generally recognized U.S. financial institutions into the accounts and then out of the accounts, again solely to other generally recognized U.S. financial institutions XXXX These large-dollar-amount transactions constituted NORMAL, USUAL AND CUSTOMARY account activity for me in my accounts at PNC. There were no other transactions. All transactions ( with the single $ XXXX deposit of a cashiers check exception distinguished above ) including the wrongfully dishonored properly payable check share identical attributes : large-dollar-amounts drawn-on and payable-to generally-recognized legitimate U.S. financial institutions. It appears XXXX XXXX and/or other PNC employees may not understand the test for normal transactions. I ask that XXXX XXXX provide copies of written instructions, policies and protocols for judging whether a specific transaction is normal for the specified customer in that customers accounts at PNC Bank. | ||||||
| 03/15/2022 | Yes |
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| Hello, Im writing you today to challenge the below reference account that have been placed on my credit report in erroneous, after looking over my credit report profile I noticed a few personal details about this account that doesnt appear as accurate on my credit profile, at your earliest convenience Im requesting that you delete this information and remove it off my credit profile for which its been holding me back from reaching my goals and also causing denial for credit opportunity imposing a harsh image on my credit profile, below I listed the personal identifiers thats associated with this erreronusly account under the FCRA Law I have a right as a consumer to delete any information that doesnt appear to be 100 % accurate and I have found inaccuracy in this reporting, I have reached out to the direct furnisher Multiple times since XXXX XXXX up until now XXXX I have USPS receipts as well ( see proof of receipts attached ) trying to get the best satisfactory resolution for this matter unfortunately I havent been successful, I under circumstances I have even got told this information can no longer be reinvestigated which is disturbing as a customer I feel my rights have been violated not only by PNC Bank, but also the XXXX who allowed this furnisher to continue reporting this inaccuracy. Every time I file a dispute to the XXXX they allow them to modify the information listed on the loan which is insane! This account had been deleted from my equifax report ( see proof attached to this complaint ) recently in the past so Im confused as to why the other Reporting bureaus continue to allow this erroneous account to be reported, unfortunately it stills appear on XXXX of my Report, so how can you say this information is valid if it doesnt appear on all 3 Credit Bureau reports, not only is that jeopardizing the integrity of my credit but its also putting my credit at great risk I want to know who this account belong to. this is VIOLATING MY RIGHT AS A CONSUMER AND IM ASKING THAT YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT Thanks. Acctn : XXXX Name of account holder - XXXX XXXX/ please remove Address of account holder- XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX. Never been affiliated with this residence -please remove Phone number associated with the account XXXX never been associated with this phone number /please remove The above referenced information is what is affiliated with the account I have no acknowledgment of nor do any of the information reflect on my credit report as accurate, as a consumer I'm asking at your earliest convenience to remove this account off my report and send me an updated status of the removal thanks in advance. | ||||||
| 06/22/2015 | Yes |
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| On XXXX XXXX I had unsufficient funds to cover a check which resulted in an overdraft charge. I am on a fixed income and only get a pension check due to being retired. I was unable to pay the overdraft charge because of not having any funds to do so. After a certain number of days they started charging me a {$7.00} Continuous OD charge. At the present time my account is XXXX. On XXXX XXXX I went to PNC Bank and talked with a XXXX XXXX who told me that he would turn this over to their Acquisition Dept to see if he could get some of these fees waived. He gave me suggestions as to how I could free up some cash. One of the suggestions he made was to consolidate. On XXXX XXXX I received a call from the Acquisition Dept and I returned the call to them on XXXX XXXX. I talked to a man on the phone and I did n't get this gentleman 's name but he was very rude and degrading to me and just flat out told me that I could n't get any of these fees waived. On XXXX XXXX I talked online to a XXXX in PNC 's website and in Chat. I explained my situation to her and she claimed that she would try again to get these fees waived. She told me that they still would n't waive some or all of these fees.. On XXXX XXXX I applied for a consolidation loan and the loan was denied. I want to be able to pay these fees plus free up some cash for myself. The loan was denied. At the present I have XXXX XXXX working on trying to still get this loan approved but is not promising anything. My question is, How is a person supposed to make it being charged so much just because you are overdrawn on your account. If this total amount comes out of my checking account I will not have enough money to pay all of my bills and it will possibly result in another overdraft charge. I also have an insurance premium that comes out of my checking account on the XXXX of each month. They proceeded to still take this out of my checking account knowing that I had a negative balance and resulted in another overdraft charge. On XXXX XXXX they proceeded to try to pay this again still knowing that I had a negative balance and resulted in another " Retuned Fee '' Charge. What I would like to happen in this matter would be for them to waive some of the fees in this account. Even if they do waive the fees and I do or do not get this loan I intend to close my accounts at this bank and open another checking & savings account elsewhere. I 've only had my account at PNC Bank since XXXX 2014. I would n't recommend this bank to any of my friends or family to do business at for the way that I have been treated. XXXX XXXX has been very helpful but the other departments at this bank are terrible to deal with. | ||||||
| 06/15/2018 | Yes |
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| I would like to describe a clear violation of UDAAP perpetrated by PNC Bank against me and most likely many other consumers by PNC not properly or accurately disclosing the actual process and delays in crediting accounts for an internal PNC account to account funds transfer ( causing significant financial penalty fees - " Overdraft '' to my account ). I recently arranged ( XX/XX/XXXX ) to transfer {$400.00} from one PNC checking account to a PNC Line of Credit Account which covers another PNC cheeking account to ensure I would not overdraw the account. The PNC Bank - Online Banking site clearly discloses a " 1-day delay '' to process the transfer which would have meant the credit to my line of credit account would be made by XX/XX/XXXX ( which in fact it was ) and in time to cover my account against any shortfall. The problem is that PNC did not make such funds available in my Line of Credit account which caused my personal checking to overdraw and to-date incur over {$200.00} in overdraft fees - nice scam if you can get away with it, In speaking to representatives of PNC Bank, they noted they could not assist me with returning my overdraft fees since it was not bank error and they noted the delays in crediting my Line of Credit account would have been disclosed to me in account opening agreements that were provided to me several years ago. This is where the UDAAP violation appears to be. The proper place for disclosing delays in crediting ones account should be on the Online Banking transfer page and not buried in the " mice-print '' of a document provided years prior. This incorrect and misleading disclosure of the " 1-day delay '' on the Online Banking transfer page would cause any reasonable consumer to believe that monies that they are transferring from one PNC account to another PNC account would also be available in the receiving account pursuant to the " 1-day delay '' as disclosed. I am asking the CFPB to investigate this practice and require PNC Bank to provide restitution to any and all clients that have been adversely impacted by PNC 's flagrant violation of what anyone reasonable consumer would consider unfair, deceptive and abusive. I am also asking that PNC Bank correct its Online Banking site to provide accurate and meaningful disclosures about the timing and delays associated with internal PNC Bank funds transfers to inform clients and prevent predatory actions and fees from being assessed. Finally, I am asking that PNC Bank refund any and all overdraft fees related to this recent clear UDAAP violation to me as soon and their investigation is completed and confirm such in their formal response to the CFPB. | ||||||
| 07/28/2021 | Yes |
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| I purchased my home in XXXX utilizing Compass Bank with a physicians loan. We refinanced for a better rate in XXXX. So I had a loan with Compass Bank from XXXX. In XXXX of XXXX my husband and I applied for a HELOC with XXXX XXXX against our house. Their loan department found out that Compass Bank never released the lien on the house to XXXX County. Compass Bank was contacted and informed about their mistake. Myself and XXXX XXXX continued to check with XXXX County Register of Deeds and they never received anything. I called again on XX/XX/XXXX and Compass Bank assured me they sent it on XX/XX/XXXX but I explained to the representative that the county did not have it. Compass Bank said they would escalate my situation and gave me a ticket number. They had also given myself and my loan officer from XXXX XXXX a contact ( XXXX XXXX XXXX ) that throughout this process I have personally called at least 20 times and left messages as well as my XXXX XXXX loan officer has tried to call. Neither one of use ever got a return phone call and XXXX never answered her phone. On XX/XX/XXXX I called Compass Bank again with my loan officer from XXXX XXXX. We were told that the lien was resent on XX/XX/XXXX. When I called and spoke to XXXX county that day they still had not received it. We then asked the customer service representative what address the lien was sent to and we found out they sent it to the wrong address. We gave the representative the correct address and again was given a ticket number and was told they would " escalate the situation ''. The supervisor that would handle the issue is only allowed to be communicated with an internal email and we were not allowed to communicate with them. I was told to call back the next week to confirm Compass Bank actually did their job. I called Compass Bank back on XX/XX/XXXX. I was transferred 3 times because the costumer service agents told me even though I had a ticket number because my account was closed in XXXX they could not help me ( this was a new one ). The third agent could finally look at my file and could not confirm if the lien was resent to the correct address. While on the phone with me she tried to contact XXXX XXXX as I guess she was the agent in charge of my case and could not reach her. The customer service representative then did the best that she could and assigned me a new case and a new agent. Unfortunately, this still did not resolve my issue. I was assured I would get an email in 2 business days... we will see. This process has been more then frustrating and not to mention the time employees of XXXX XXXX and myself have spent trying to fix Compass Bank 's mistake. | ||||||
| 05/04/2018 | Yes |
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| PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Short sale package was submitted to PNC on XX/XX/XXXX. On XX/XX/XXXX we were told PNC had sent a letter to the borrowers accepting them into the short sale program, which the borrowers must receive and complete in order for the file to be moved forward as a short sale. The borrowers have not received anything from PNC, and PNC is refusing to send us ( the authorized third party ) a copy of this letter. ( ( ( In addition PNC has refused to acknowledge the authorization signed by the borrowers on many occasions and we have to fight, literally, just to get PNC to acknowledge that we are the Authorized Third Party. ) ) ) -- see attached Third Party Authorization. I am attaching it here because i know if i do not, that PNC would simply state i am not authorized on the account so that they can outright ignore this Federal Complaint. ) ) ) Since no one has yet received the letter from PNC, the borrowers have taken it upon themselves to write a letter accepting the short sale program. ( see attached letter ) PNC is REFUSING to acknowledge this letter and the express desire of the borrowers to participate in a short sale. Everyone we have spoken to at PNC is absolutely disinterested in solving this problem. No One seems to understand or care that their 2nd lien will be wiped out if the 1st ( XXXX XXXX ) forecloses. There is an upcoming foreclosure date of XX/XX/XXXX and PNC is essentially refusing to work on this file. We have explained to PNC multiple times the urgency of this situation due to the upcoming foreclosure date initiated by the 1st XXXX XXXX XXXX. PNC does not care. They are refusing to do anything about the fact that the borrower has not received anything from PNC, refusing to provide a copy of this letter to us as the Authorized Third Party, and thereby is not protecting their investors interests in any way, shape or form. ****** XXXX XXXX IS RECEIVING A FULL PAYOFF ON THIS SALE AND THEY ARE THE FORECLOSING PARTY. PNC STANDS TO LOSES HUNDREDS OF THOUSANDS OF DOLLARS AND NO ONE WE HAVE SPOKEN TO SEEMS TO CARE. ******** Please help us to get PNC to move this forward. The fact that we have to submit a Federal complaint due to the PNCs apathy and ignorance is ridiculous and absolutely unacceptable. I want a copy of the letter accepting the borrower into the short sale program sent to us immediately. The homeowner wants to do a short sale and has expressed this multiple times, in writing, to PNC, as have we over the phone as an Authorized Third Party. **Please see attached Authorization for RE XXXX XXXX and Letter Accepting Short Sale Program. | ||||||
| 02/02/2023 | Yes |
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| This is the second complaint for a previous complaint that has not been resolved by PNC Bank. Originally filed on XX/XX/22 for an illegal bank issue that occurred on XX/XX/22 and was brought to PNCs attention on XX/XX/XXXX and assigned a case # by PNC on XX/XX/22 for fraud. CFPB complaint # XXXX was NEVER resolved by PNC and for them to say otherwise is a false statement. On XX/XX/22 an employee of PNC ( XXXX NJ ) abetted in an unlawful act with their nefarious client by allowing a check in the amount of {$13000.00} made payable to The ESTATE OF XXXX XXXX to be expropriated into THEIR clients PERSONAL ACCOUNT. What makes this more egregious, is facts and red flags that should have legally safeguard this estate check. First, the check is clearly made out to only the estate of XXXX XXXX BUT the check ( on the back ) is signed by the deceased. Second, it is endorsed by their nefarious client and deposited into their PNC checking account. Third, Im sure this check was held until it cleared through PNCs safeguards for fraudulent activity, yet it cleared into their clients account via a criminal act. Lastly, PNC admitted to me on a phone conversation ( which according to them is a recorded line & I recorded as well ) that a fraudulent act did occur but is under investigation. They refused to return the money that was stolen by their client, which was abetted by their employee and states the responsibility lies with the issuing company, XXXX XXXX. I was on a 3Way call with PNC, XXXX and myself when PNC told XXXX it is policy and banking protocol that XXXX bank file for fraud due to funds not being received by the estate. XXXX contacted their bank, Bank XXXX XXXX, and they said that there are banking policies and governing laws that ALL banks must follow and yes, the two banks would work together to ensure the check is INTERCEPTED and funds returned to the proper and legal parties BUT when PNC ALLOWED the check in question to be ILLEGALLY DEPOSITED into THEIR bank by an UNAUTHORIZED party- ALL LIABILITY FALLS ON PNC XXXX. At this point XXXX XXXX XXXX and XXXX will not entertain PNCs tactics to avoid responsibility for their role they have played in allowing a criminal act to continue without any accountability on their part involving their employee or the criminal themself. My XXXX XXXX is the victim and her estate is not able to move forward without PNC stepping up and acknowledging the clear FACTS that their employee, either unlawful or recklessly, allowed a thief to steal {$13000.00} from an estate and when the funds are rightfully returned to the estate, PNC can legally go after XXXX XXXX for stealing {$13000.00} from PNC bank. | ||||||
| 08/06/2020 | Yes |
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Web | Older American |
| XX/XX/2020 I applied for a car loan as a co-signer to my nephew, XXXX XXXX, at XXXX XXXX. XXXX ended up financing up and I didn't realize they had applied to PNC Bank and XXXX XXXX. XXXX XXXX and PNC Bank sent me letters later where XXXX XXXX had approved me, but XXXX took on the financing. However, PNC Bank wrote a scathing denial letter dated XX/XX/2020 stating erroneous and slanderous information regarding delinquent payments, ( 1 ) Serious delinquency, ( 2 ) Ratio of balance to limit on bank revolving or other revolving accts too high, ( 3 ) Number of accounts with delinquency, and ( 3 ) Length of time accounts have been established which are all slanderous and incorrect, from XXXX Credit Reporting agency in XXXX, Texas. This is a lie. XXXX Credit Reporting could not have that kind of negative information in their agency relating to me and my credit when I have a XXXX credit score. I contracted PNC Banks Executive Department and they told me my credit denial was due to being lumped in with my nephew 's credit. However, they addressed the letter with the slanderous inaccurate information only to me and did not mention my nephew 's name in the letter so that anyone reading their denial letter would view my credit as horrible when I have a XXXX Credit score. I wanted PNC Bank to retract the letter, but they sent me an assinine explanation that, " It is assumed that each applicant will know whether the reason ( s ) are specific to them or the co-applicant. This is horrendously insulting. PNC Bank did not name my nephew, XXXX XXXX, anywhere in the letter addressed to me and sent to my address with those terrible and inaccurate descriptions of my credit. Ms. XXXX of PNC Bank 's executive office also continued to initially contact me at my home number when I sent return emails to her and left numerous voicemails giving her my cell phone number because at XXXX years old, I continue to work full time. But after a few days of continuing to call the wrong number, Ms. XXXX sent me an email stating that they had attempted to contact me, but could not reach me so that they were going to close the case. I left distinct and clear messages giving Ms. XXXX my daytime cell phone number and sent return emails asking her to call my cell number. So for her to fein not being able to contact me as an excuse to close the case was a cover-up of their wrong doing. Ms. XXXX finally called my cell phone after I told her my next step was a complaint with CFPB. But then she came up with that ridiculous explanation of why they said the terrible things about my credit in their XX/XX/2020 letter which can not be true when I have a XXXX credit score. | ||||||
| 10/13/2023 | Yes |
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Web | Servicemember |
| I am writing to express my deep dissatisfaction and frustration with the recent handling of my account by PNC Bank. I have encountered significant inconvenience and financial hardship due to the prolonged investigation and subsequent hold placed on my account. I deposited a check into my account that I had received as payment for a XXXX job. Unfortunately, it was later discovered that the bank account connected to the check had been closed. While I understand the need for security measures, I am extremely disappointed by the excessive length of the investigation, which has now reached 30 days. To make matters worse, not only is my account under investigation, but a hold has also been placed on two other checks that I deposited. As a result, I am currently unable to access the funds from these checks, leaving me in a difficult financial situation. I am unable to pay my rent, and my landlord is putting immense pressure on me to resolve this matter promptly. Moreover, I was deeply displeased with the attitude and unprofessional behavior of the customer service representative I spoke with during my last call. She displayed a sassy and patronizing tone, and instead of providing assistance or guidance, she unjustly blamed me for the false check incident. This kind of treatment is unacceptable and does not align with the level of service I expect from a reputable institution like PNC Bank. I kindly request that immediate action be taken to resolve this issue. I understand the need for proper verification and security measures, but the length of the investigation and the subsequent hold on my account are excessive and causing significant hardship for me. I urge you to release the funds from the other checks that I have deposited, as they are unrelated to the initial incident involving the false check. Furthermore, I would appreciate a thorough review of the conduct of the customer service representative I spoke with. It is essential that all bank employees maintain a professional and respectful demeanor when interacting with customers, regardless of the circumstances. I trust that PNC Bank will take my concerns seriously and address them promptly.I hope that this unfortunate incident can be resolved swiftly and that appropriate measures will be taken to prevent similar situations from occurring in the future. I kindly request a written response within 15 business days, outlining the actions taken to address my concerns and rectify the situation. I can be reached at the contact information provided above if further clarification or information is required. Thank you for your attention to this matter. XXXX XXXX | ||||||
| 04/28/2023 | Yes |
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| This is an ongoing problem since XXXX when my checking account with PNC was unexpectedly closed after complaining about a dispute filed with them about a prior complaint here about XXXX. Instead of investigating, after initially working with customer service for over an hour, the escalation team took the shortcut approach for employees at XXXX who committed numerous overcharges and refunded one entire charge which of course meant more accumulated disputes. That misconduct then triggered a closure of all accounts, giving me the boot though no answer to my question was ever given. That notice was not received until the card could not be used, the letters came post-closure. A complaint filed about the treatment was met with retaliation from the Executive Client Relations Group starting with my check not being released when they said despite multiple requests until posted on social media, 5 days later, the money I transferred to a new bank account ( XXXX ) was taken OUT by a team member at PNC through my linked account and cleared payments like the rent was reversed. I then realized it was likely racially motivated once I remembered my avatar was an actual photo and removed it at that time of course, too late. They knew I was 100 % SSDI with proof sent but it did not matter. The check received was over XXXX 's limit and PNC refused to split it with lies and false info like calling it 'layering " until a demand letter was mailed with the check back to the head of retail ( XXXX ) and HR ( Henn ) This is 4 months later and PNC was told I had to borrow from a 3rd party who someone called XXXX XXXX XXXX the layering liar, even spoke to, offering tracking numbers as well so thinking the nightmare was over, got us two checks but they tolo were rejected by XXXX XXXX I saw then the routing numbers and check looked funny and googled it. It was a routing number for a wire transfer then verified by branches surprised to see it was for a deposit. When I called her it was more lies ; they have different accounts and different checks though all prior checks received, none looked as paper think or greyscale but with an orange logo and identical numbers. Only this split check was different. She also had no answer for why you need a paper check for a wire. I decided it was best to cut all communication, send those checks back as well, and to my horror, discovered my XXXX account was restricted, now almost a week. So, frustrated that someone who lent money can not get it back, the last straw is an official complaint. A direct wire request was refused though a deposit slip had a wire routing. PNC can't demonstrate more intent than that one. | ||||||
| 12/01/2022 | Yes |
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| This involves a banking issue with a checking account with the following bank : PNC Bank National Association ( Routing Number : XXXX ) XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ( XXXX ) XXXX Check forgery/fraud incident not resolved after 8 months ; funds fraudulently withdrawn ( stolen ) from account have not been reimbursed. I am filing this complaint on behalf of my XXXX old mother. Her statement is below : I have banked with PNC over 25 years, and it was not until XX/XX/XXXX that I experienced check fraud. Checks written out to pay various service providers had been intercepted in the mail, forged and cashed. This happened three separate times - XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX. The first time it occurred, PNC opened an investigation and promptly refunded the amount fraudulently withdrawn from my account. The second time, PNC investigated and quickly refunded the account. When it happened the second time I went ahead and placed a stop payment on all of the checks that were mailed out at the same time. However even though I put a stop payment on the checks, there was a third incident involving a check I requested to stop payment on a check that was written in an amount less than {$100.00}. The forger changed the amount to {$850.00}. A new investigation was open ; however, PNC has not refunded my account for that stolen {$850.00}. Apparently, there is an ongoing dispute with XXXX Bank to get the money back and that is what's holding up the reimbursement to my account. It has been more than 8 months with no movement or resolution. Meanwhile, adding insult to injury, PNC Bank started charging insufficient funds fees to my compromised account, even though the bank was aware that my money had been transferred out to another new checking account while investigation underway. I have contacted the branch manager multiple times as she has helped with documenting the previous investigations. She has continued to state that the investigation is ongoing. I escalated multiple times within PNC just to get no response or the run-around. PNC refuses to reimburse the lost funds until XXXX XXXX ( the bank which cashed the fraudulent check ) finishes their investigation ( no timetable ). It has been far too long, and I should not have to continue to endure this inconvenience. I am XXXX XXXX XXXX and need my money. Being out of {$850.00} for this many months is a complete hardship for a person on a fixed income. I am submitting this complaint with the hope that the CFPB can influence PNC and XXXX Banks to resolve this matter before years-end with reimbursement to my account and prosecution of the forger. Thank you. | ||||||
| 10/17/2019 | Yes |
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| I don't understand how this company can get away with stealing my home and nobody seems to care. I spent everyday for 5yrs trying to figure out how to save my home while this company repeatedly tried to forclose without really knowing how or why they wouldn't even acknowledge me or my ownership of the property and home. According to my copy of the paperwork the by far breached their original agreement yet nothing could be done without a lawyer??? They knew I couldn't afford counsel as I had requested hardship packets and tried repeatedly to enlist the help of " Keep Your Home California. '' Finally they went ahead and foreclosed and I lost my home, property, and the easement I owned ( when the loan was actually only for the mobile on the Already Paid For Property ) After complaining several times to CFPB they finally decided to try to pay me off by offering me {$15000.00} to withdraw my complaint. Homeless and desperate I agreed to take {$25000.00} if they could get it to me within 30 days so I wouldn't be homeless anymore and they agreed. Needless to say they took at least that 30 days to write up the agreement which was then mailed to me to sign and mailed back, but again they defaulted on that 30 day agreement making the loss of my home and the degree of suffering they had impossed on me that much worse and now they think they can just walk away from this incredible injustice? For starters I don't even believe they had a right to claim any lein on my home!!! I don't believe they had correct paperwork, and think they were lying about the amount they said I owed. I believe that when my mother in law passed away they created forged paperwork which they convinced my companion were real, and when he passed away they just took my home as the original loan was for {$50000.00} in XX/XX/XXXXand in XX/XX/XXXX ( 12yrs later ) they claimed I still owed {$42000.00}??? The way this company treated me and the amount of stress and sorrow they made me endure is beyond reasonable and I don't believe they should get away with it!!! They have ruined my life and taken everything that meant anything to me all for money and it's unexceptable that this can go on without ever even having to acknowledge they've done anything wrong!!! I believe these people knew exactly what they were doing the whole time and yet nothing could be done about it because I couldn't afford legal council??? It should unconstitutional to let company 's do whatever they want, treat people however they want to, and take everything they can from anyone they want simply because they have more money ... Or because we don't have the money to defend ourselves!!! | ||||||
| 05/03/2019 | Yes |
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| My hardship began in XXXX, when the economy was at its worse. I lost my job in XX/XX/XXXX causing me to fall behind in bills until I found fulltime employment. When I found employment back then it still was not enough to cover all of my bills. I notified PNC Bank of my situation. We agreed to a repayment plan. I paid almost {$3500.00} and continued to pay {$1800.00} per month for 18 months that I have receipts for to confirm validity. PNC made an error on my account after paying the arranged repayment agreement. My payment plan was stopped in which I escalated to a supervisor for assistance to get back on my repayment plan. The supervisor restarted my payment plan back up. I paid every month as agreed. This plan began in the early month of XXXX and continued to fall XXXX. PNC made another error to the repayment plan stating that I owed another payment after the repayment plan finished. Once the payment plan was finished I made two months payments of the original monthly payment ( {$1200.00} ) before I fell behind. My payments were rejected and this is why we are here today trying to save my home. I am now employed with stable, fulltime, consistent income on a monthly basis. I am respectfully asking for you to help me keep my home as I have now owned since XXXX with a modification. PNC refuses to review and keeps closing it for review after they ask me to submit a modifciation. I escalated to the CEO of PNC name XXXX XXXX who sent it to his escalation team. The liaison name was XXXX XXXX. I was shocked on how XXXX handled this. SHe never reviewed the documents after confirming receipt. She relayed only messages from loss litigation or her contact person who was assigned to it. I faxed the modification packet and docs numerous times just for them to say the XXXX tax were not signed when they were so I resubmitted them again directly to XXXX of what was sent. I was also told that there was not 30 days of income and they wanted YTD income that was also submitted and resubmitted. I recent paystub was also sent so there were no issues. Yet, it was. XXXX sent a message to her contact person in loss litigation while we were on the phone letting loss litigation know the docs are there. I had to check back with XXXX on the status for her to tell me the same thing she was told. It was closed out for review. I had to ask why she said usually when its 2 weeks before the sale date it wont be reviewed. She also said it was already in denial. I was so confused of her position in this. I was shocked she never looked at the docs initially. She was also in charge of the modification being resubmitted. It was handled poorly. | ||||||
| 02/19/2018 | Yes |
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| I called PNC Bank on at least three occasions to inquire as to whether I could have the escrow removed from my mortgage. Each time I called, I was told that it would be no problem and that I simply needed to pay the items currently escrowed, property insurance and property taxes, and provide proof that the items were paid in full along with a written request to remove the escrow requirement. As such, in early XX/XX/XXXX I purchased and paid in full an insurance policy along with paying my XX/XX/XXXX taxes, which are payable in XX/XX/XXXX, in full. Immediately after, I sent an email to PNC per the instructions from the customer service representatives that I spoke to, including statements and receipts for the property insurance and tax payments. I was initially given the wrong email address, so I did not get a timely response and called to inquire, when I was given a different email address. I resubmitted the request and supporting documentation and received a reply about a week later denying my request. The reason for the denial were that my loan to value ratio exceeded 80 % and I had an active mortgage insurance policy on the loan. At no time was I told that my request to remove escrow was contingent on anything. Each of the three representatives that I spoke to assured me that I only needed to submit the request with evidence that the tax and insurance had been fully paid. As a result of those phone calls, I made the decision to pay those items in advance. This decision was made with consideration of my budget and the impact that a lower monthly payment and refund of funds currently in escrow would have. In other words, I was planning to pay for these items with the escrow funds that would be returned to me and the money saved each month. I have appealed this denial through the Chief Customer Officer at PNC, XXXX XXXX. She delegated the appeal to XXXX XXXX. I have voiced my concerns with XXXX XXXX, however her position is that due to the LTV and mortgage insurance issues they will not do anything about the erroneous information I received. She told me she listened to one of the three calls I made and admitted that the response was ambiguous. She stated she was unable to locate the other two calls. I would not have purchased this policy or prepaid my taxes if I knew there were a chance that I could not remove the escrow requirement ; there is no reason to outlay those funds twice. I believe it's clear from my actions that I was told the process to remove the escrow and that there would be no issue with the request. Why would I be told to submit evidence of payment if there were a chance it would be denied? | ||||||
| 02/17/2022 | Yes |
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| I became ill in XX/XX/2021, I was unable to work. I contacted the bank and explained to them my situation and they seemed to help by removing over draft fees during this bad situation. I was very greatful. Unfortunately the pay checks from working got smaller and then none, even the ones from my works XXXX program stopped. The bank told me they were no longer helping with people affected by job loss or lost hours. I tried and tried to stop payments from overreacting my account by having the bank block accounts, stop payments, and asked to reverse payments so my account would not get over drafted or worse than what it was cause I told the bank I was not working. They had me dispute a payment in XX/XX/2021 that made my account over {$500.00} negative and they said finally after all my efforts to stop payments being made the bank honored the payment anyway. After starting the dispute they told me as soon as the decision was made on the dispute they would send me something in the mail. After a month I never received anything and called to check every week and they stated still in investigation. I finally got ahold of a supervisor and they said they denied it over a week prior and at that point since I did not make any payment to pay back the negative balance after being instructed not to try anything with the account and switch all the companies doing autopayment and stop them cause once the dispute is complete the account would have the negaitive amount I disputed put back to the account. Never once said anything about being denied just said to investigate the transaction cause the amount was large on my behalf. I was still not working from XXXX to XXXX. Went over a month with no income or XXXX from the hospital I work for. I was hoping to be released to go back to work so they bank agreed to push back my account from being closed and into check systems. I was not able to go back to work later than I expected and unfortunately only for a short time and was ill again and back to being off work. I have been fighting to get caught back up after the XXXX eviction threats, utilities behind, and no income and XXXX little girls to take care of. They shut my account before the date they gave me and refused to help stop this during a pandemic. I filed a complaint with the XXXX a woman got ahold of me and told me to ask to get ahold of them to ask for a payment plan. I have never heard nor got the paperwork sent to me about a payment plan. NOW without notice and no warning only after a little over a month, sold my account to a collection agency before letting pay. I am still off of work trying to get my health ok to return. | ||||||
| 04/22/2021 | Yes |
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| PNC refused to accept a signed Form 3508S in XXXX. Then eight weeks later wants it resubmitted using a portal and not the Approved SBA form. The Treasury Secretary said in XXXX https : //home.treasury.gov/news/press-releases/sm1187 Therefore, we encourage businesses to file for forgiveness as soon as possible. Todays guidance provides taxpayers with greater clarity and flexibility, said Secretary XXXX XXXX XXXX. These provisions ensure that all small businesses receiving PPP loans are treated fairly, and we continue to encourage borrowers to file for loan forgiveness as quickly as possible. In XXXX, PNC said it was not ready. PNC alleged my loan was overfunded but provided no calculation, instead, terminating access to all bankers and assigning a litigator to schedule a call only to delay that. Customers should have bankers answer written questions about loan allegations and provide documents not assign lawyers that raise issues a year later, as if they never read any loan application materials. Banks should be ready to accept forms the Treasury makes for applicable loans and not assign lawyers to defend the practice against small borrowers. PNC regularly obscures information doesnt get back when promised then obscures what it does. It ran out the clock on PPP, and I had to find another bank. Those bankers read and pay attention and were professional and timely. The same issues PNC delays for weeks, months and up to a year and hires lawyers other banks get done in their branches in hours or days. The loan application contains materials and documentation provided by the SBA PPP IFR, which reads You must submit documentation sufficient to establish eligibility and to demonstrate the qualifying payroll amount, which may include, as applicable, payroll records, payroll tax filings, Form 1099-MISC, Schedule C or F, income and expenses from a sole proprietorship, or bank records. Note bank records! The qualifying period was XXXX XXXX XXXX, yet PNC tried to insist on a two month Schedu le Cinstead of what it took from othersbank records. It claims overfunding but wont say how much despite there being records inside its own approved application. The Form 3508S also says it just be submitted on the instructions was done yet PNC says it doesnt have to take it, despite the treasury notice to file ASAP in XXXX on the approved XXXX form, because it isnt ready. PNC continues to disregard and misrepresent to the CFPB my self employment designation fir this work This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. | ||||||
| 06/19/2015 | Yes |
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| XXXX XXXX approached her mortgage servicer, PNC, in regards to a short sale on XXXX XXXX. Although XXXX is XXXX years old and does not live in the subject property any longer ( now lives with her son ), PNC forced her to go through a review for a loan modification. A borrower who does not live in the property and does not have rental income is typically not forced to go through the loan modification review. Our first offer on the property was dated XXXX XXXX, 2015 in the amount of XXXX. Once it was determined that XXXX clearly did not qualify for the loan modification, PNC agreed to review her for short sale as she originally requested. Months went by and we finally got to the point where an appraisal was completed for our short sale review. The appraisal from PNC came in at XXXX. Once we were advised of the appraised value, we immediately countered the buyer at full value. They would not reduce their offer ; however, we had multiple back-up offers in place. We advised PNC immediately that we had many other interested buyers who were willing to pay the amount that PNC was looking for. PNC, instead of working with us to review the other offers on the property, closed the file and advised me that I had 15 days to submit a new offer. This message came from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed and emailed a new, higher offer from one of our back-ups to PNC. This offer is for XXXX which is above appraised value. Upon speaking with XXXX XXXX again at PNC, she informed me that as of XX/XX/XXXX, we would need to wait 14 days before the file was assigned to someone else to begin review. Another email from her to myself stated that the " file will start at beginning all over again. '' Clearly, that message was contradicting and utterly confusing based off of prior conversations we have had. It does not make sense that PNC would wait 14 days then start the process from the beginning. We have an offer that is above PNC 's appraised value, a seller who quite clearly qualifies for a short sale and now we are going to be faced with extreme delays. There is no way that this buyer is going to wait x amount of months for PNC to pull their act together and review his offer. By the time they re-open the file, their appraisal will expire! Their review is inefficient, lazy and not a single person that I speak to at PNC will take any accountability and work to find a solution. PNC is clearly forgetting that the short sale is in their best interest as well. A foreclosure certainly is n't. We are lucky to see an offer as high as we have and PNC 's games are unprofessional and do not do their borrower any service. | ||||||
| 06/29/2023 | Yes |
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| As of my XX/XX/XXXX statement, I was carrying the following balances listed in the " your finance charges '' section of my bill : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00} Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$1400.00} That month I made a payment of {$7000.00} on XX/XX/XXXX so that I could open up more credit, because I did another transfer taking advantage of the offer I still had for 0 % until XX/XX/XXXX. I did the transfer for {$5800.00} on XX/XX/XXXX during the same billing period as the {$7000.00} payment. Instead of applying the payment to the previous purchases balance I was carrying, PNC applied the payment to the balance I had just transferred 2 weeks prior leaving me with the following balances listed on the XX/XX/XXXX statement : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, so no portion of my payment was applied to this balance at all. Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$770.00}, so {$620.00} was applied to this balance Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) XXXX. This is the promotion I had just done during this billing period for {$5800.00}, so {$2900.00} was applied to this balance. I made a payment of {$190.00} on XX/XX/XXXX, thinking that my balance was under a promotional period and that I had time to continue trying to pay this down at 0 %. Then on my XX/XX/XXXX statement, my new balances were : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, still no portion of any payments was applied to this balance at all. Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$320.00}. This is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$2600.00} was applied to this balance. Then finally in XXXX, my balances were : Purchases {$7000.00} meaning {$21.00} was finally applied to this balance after the promo period ended and I was now charged {$100.00} in interest charges. Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$190.00}. Again, this is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$130.00} was applied to this balance. So I was charged {$290.00} balance transfer fee in XXXX only to have all my payments be applied to that transfer as well as a lower balance transfer ending more than 12 months after the purchase promotion that was not having payments applied to it at all. I know this organization is here to try to protect us, and I have never been more confused or felt more taken advantage of by a credit card company since my first card 19 years ago. Please consider helping me and others, since am sure they are doing the same process to other accounts. | ||||||
| 01/06/2023 | Yes |
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| On XX/XX/XXXX a check was written to a supplier in Alabama named XXXX XXXX XXXX XXXX It was sent to a XXXX XXXX XXXX The check was intercepted in Alabama, altered with white out and is very clear to see it was white out, and then cashed a bank in Alabama. We have attempted to get the name of this bank from PNC who then put out the funds but they first mistakenly told us it was XXXX XXXX XXXX-which apparently it is not and then they told us it was XXXX XXXX XXXX XXXX which is really not a bank. We have been dealing with XXXX gentleman from PNC XXXX XXXX XXXX named XXXX XXXX and XXXX. XXXX. They allege to have been trying to assist but yet in over 2 months we have gotten nowhere. They turned it over to escalation a week ago Tuesday XX/XX/XXXX. We received a call from XXXX XXXX who needed information we did not have at our home-the call came at XXXX. I called her 3 times the next day and 3 times on Thursday XXXX. It was not until Friday morning that she called back and advised there was nothing they could do until this bank in Alabama responded. The amount of the check was to be {$3000.00} and was changed to {$9000.00}. Ultimately i have had to pay the {$3000.00} to the company for their product so I am out {$9000.00}. This is unacceptable and from everything i have read and discussed with professionals, this money should have been put back in my account. This is a federal crime. I do not even understand how PNC fraud did not detect this. XXXX advised today that again they turned it over to another escalation department. Most of all PNC has not even been able to provide us with the name of the bank that cashed the check. The company in Alabama who we issued the check to is trying to help us as well but without that name of the bank their hands are tied. They have notified the local police there and out next step would be the FBI. My grievance at this time is with PNC who should have put that {$9000.00} back in my account by now. I have been a customer with multiple accounts for over 50 years. Worst of all we have gotten no help. The way XXXX XXXX in escalation handled it was so unprofessional and disrespectful to us as customer that we are prepared to remove all our accounts from PNC once this is cleared up. The lack of assistance and concern for our money and frustration has been quite a disappointment. I hope that you are able to advise PNC Bank that the right thing to do is to replace our funds that they allowed to be fraudulently withdrawn. They sent a letter to us acknowledging the claim on XX/XX/XXXX and requesting documents which were provided. To date we have received no reimbursement. | ||||||
| 09/18/2023 | Yes |
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| I feel that PNC bank has racially discriminated against me. Please note, during this tefinance process I had an in person meeting with my loan officer XXXX XXXX and employee XXXX XXXX on about XXXXXXXX XXXX,2023 at which time I complete and sign additional loan documents. Although my loan process began XXXX XXXX, 2023 I originally request loan in about of {$10000.00} to do home repairs on 2nd home in which I own outright. PNC loan officer suggested home equity loan XXXX amot XXXX in which I agreed. I also had my son XXXX XXXX as a cosigner. This loan process began in XX/XX/2023 and despite being told on multiple occasions by loan officer that I would be approved, I was sent a denial XXXX XXXX XXXX2023 for FHA, but the loan processing was still on going no until XXXXXXXX XXXX,2023 did I get another denial. During the loan process PNC began to ask for multiple documents in, PNC required that I pay the XXXX mortgage once they received payoff quote in XXXX, my cosigner vehicle was totaled via hit and run, despite the lender confirming loan paid in full PNC required that get a letter from auto insurance company to also confirm loan paid by insurance company. PNC then required my retiree program confirm that my pension is effective for at least next 3 yrs. I was constantly asked obtain extraordinary amounts data. I was even asked during the " 2nd week of XXXX 2023 '' about a {$430.00} payment made from my checking account during XXXX 2023 which was for health insurance XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were PNC employees that were involed in this matter. I have filed a discrimination complaint and was contact by XXXX XXXX of PNC executive office who that passed my concerns to XXXX. I have requested a refund of my {$660.00} appraisal fee and resoultion.in the way I was treated. On Friday XXXX XXXX, 2023 XXXX advised PNC would not provide refund, Also, I have not received a copy of my invoice.Leanne did not offer any resolution and would only say that " she couldn't discuss outcome in possible disciplinary measures against employees for privacy reasons '. I advised XXXX that " my focus is on why I was misled, for so long and assured that my loan would be approved? XXXX would not address any of my core issues .I have many emails and text messages to support my claim. NOTE : PNC claims debt ratio is reason for denial, yet no new debt was incurred, also my consignor had as mentioned car paid off via insurance and pay increase. I brought that to loan officer attention, her only response was that it wouldn't matter '' and that PNC made an error and miscalculated my property taxes causing debt ratio issue. | ||||||
| 10/24/2015 | Yes |
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| As of the end of XXXX 2015, I was no longer on direct deposit through my employer. This was due to some questionable charges through my checking account ; in addition, I am also trying to consolidate debt so my plan had been to close the account and open a new XXXX. I am paid bi-monthly ( the XXXX and last day of the month ) and on XXXX XXXX, XXXX cancelled the deposit from my account at PNC Bank, as planned. Several days later, around XXXX XXXX, the accounting department from my company called me to let me know that PNC had reversed the XXXX transaction so essentially I was paid twice. PNC never contacted me to inquire about the transaction ; any number of scenarios were possible, i.e. what if I was n't working with the same company anymore, or had been fired, etc. I admit that I had not noticed things going awry because my husband was in the hospital at that time and my focus was elsewhere. I contacted PNC customer support immediately to find out the procedure for unraveling this error. My case was sent to their escalation department and I was contacted by a member of that team named XXXX. She left me a voicemail message ( around XXXX XXXX ) and gave me the number to call, along with instructions that I did n't need to speak directly to her, that I could talk to anyone in that department. I returned the call the same day and spoke with XXXX XXXX. I explained what had happened and she was going to look into it and get back to me ; I made sure she had my cell number and work number. I told her to please leave me a message if I did n't pick up that I would call back. That is the last I have ever heard from PNCs escalation department. I have tried calling again but to no avail. In short, there has been no effort by PNC to fix the problem that they created. Compounding things is that I had also opted out of overdraft protection but PNC has continued to let things through the account while collecting outrageous fees. When I questioned them about it I was told that overdraft protection was only for my debit card, which I have not used for a month. I asked that a hold be put on the account so that I could try and unravel the mess but was told I would have to physically go into a branch and ask. This is not convenient for me since they closed the branch that was near my home and I can not just pick up and leave work anytime I would like. My employer, while understanding, does n't appreciate these inconveniences and if this is n't resolved soon I fear my job could be in jeopardy which I can ill afford. I feel that contacting the Consumer Financial Protection Bureau is my last hope to ever get resolution. | ||||||
| 03/24/2015 | Yes |
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Web | Older American |
| The following summarizes my issue with PNC Banks policy, and their refusal to properly rectify the consequence of their mistake. On XXXX XXXX, 2014 I placed a currency exchange order for XXXX XXXX 's at the PNC bank located at XXXX XXXX XXXX in XXXX XXXX, Mi. This transaction is XXXX # XXXX. Subsequently, I picked up the money and engaged in a conversation with a bank associate about returning unused monies. At that time I was told that I could return paper money, but that they would not accept coin. On XXXX XXXX I went to the bank to return XXXX paper XXXX for approx. $ 35-40 U.S. At that time the bank associate made a telephone call to determine the exchange rate on the currency. After that call she informed me that the bank had a policy of not exchanging XXXX with a value of less than {$100.00} U.S. In response, I told this associate that I inquired about returning XXXX when I picked it up, and no one told me about this requirement. I certainly could have brought back the required amount if I had known about it, and I told her that the bank was negligent in not informing me about this. I felt that they made an error, and want me to suffer the consequences of their oversight. The bank associate told me that she would discuss the matter with bank management, and someone would get back with me. On XXXX XXXX I received a call from someone at the bank who identified himself as " XXXX ''. He told me that he checked out my exchange issue, and found that PNC had a policy of not exchanging XXXX with a value of less than {$100.00} U.S., and they could not make exceptions to this policy. I asked him why the bank did not inform me about this when I inquired. He apologized, and it appeared to me that local bank personnel did n't know about this policy. When I asked XXXX about the reason for this requirement he stated, " efficiency 's of scale ''. I pointed out to XXXX that the bank had a XXXX opportunity to make this requirement known to me in written communications, but missed that chance also. As a result of my order, I was given a written record of the transaction entitled " PNC Foreign Exchange Services ''. This document should have defined the return exchange requirement, but failed to do so. I told XXXX that I viewed this failure as additional negligence on the part of the bank. XXXX was firm in his position that the bank would not exchange the XXXX for me, and he suggested that I try to get it exchanged at the airport. I told XXXX in response that I have been a member of PNC and it 's acquired banks for almost 50 years, and I would like to believe I could count on my bank for this service. | ||||||
| 11/29/2023 | Yes |
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| Many years ago I opened an account with my mom and the signers of the account were set up as herself, myself, sister, brother, and my uncle, her brother, at PNC bank. This account, with these signatures, was in effect for about XXXX years. Over a year ago my mother was setting her affairs in order because she was declining in health and she was not able to go into the bank. She and her lawyer entrusted me to take everyone else off of the signature card ( my uncle was already deceased ) except myself who was named trustee. This was to ensure all money in her account would be used for expenses and the trust, and there would be no question about who had access to it after her death. To achieve this, I went into PNC to let them know that I was the Power of Attorney ( I submitted this paperwork to the bank ) and I wanted to take everyone off of the account except myself who would be made trustee of the estate after her death. I waited over two weeks to get the OK to come in and sign a new card. I signed this card... thinking that they were making me the sole signer of the account. The day my mother passed, XX/XX/2023, I went into the bank to withdraw money from the account to pay for her funeral, and they said that I did not have access to her account when she died because I had signed as a POA. I asked to see the card that I signed and it DID NOT say POA, it had 3 initials next to it that I had no idea what they meant. The bank representative said that meant that I was her POA and at that time they froze her account. I had my lawyer contact the bank and, the corporate office contacted me several times, and after someone at the corporate office admitted they didn't even know what those 3 letters meant, and that I was unaware that I card I was signing was to only be her POA not to be a signer of the card. I am sure this call was recorded when he admitted it. Even with that being said, he informed me that her trust nor myself could not access the account. ( I was the one who opened the account with her, I was the one who was on it for 20 years AND I was the one who went in to change the card to be the only signer. MONTHS went by and PNC said we would have to go to probate. I and the trust 's lawyer went to court XX/XX/XXXX and the judge ordered the money to be put in my mother 's trust. I brought the papers over to the bank the same day and they said it would be XXXX days. It has now been a month and the bank still hasn't turned over the money to her estate, even though the court ordered this. In addition to this they will not give a phone number or person to contact even after repeated emails. | ||||||
| 12/13/2022 | Yes |
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| In XX/XX/2022, I went to PNC Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX and asked for the current interest rate for a lease buyout. After the banker, XXXX asked me a few questions about the vehicle and terms, I was given a range with a base interest rate of 5.44 %. I also asked how the debt-to-income would be calculated and specifically asked if the outstanding balance on my credit card that I pay off in full each month would be a factor. I was told as long as I pay off the balance each month in full, it would not affect the debt-to-income calculation. After being satisfied with the base interest rate and debt-to-income calculation explanation, I allowed the banker to run my credit. After a couple days, the banker called and told me I was approved for a rate of 6.24 %. I then inquired why it was not at or close to the rate of 5.44 %. I was told it was due to my risk factor. I was told in order to qualify for 5.44 %, I would have to be at a risk factor of XXXX and I came in at a risk factor of 1. I then asked how much does the interest rate increase as the risk factor increases. I was told that the interest rate increases by .5 % for a risk factor of 1. This prompted me to ask why wasn't the offered interest rate at 5.94 % ( XXXX ). I was then told that the base rate was 5.69 % and not 5.44 %. I then stated, well if that's the case, then why was the rate not 6.19 % ( XXXX ). The banker then stated that underwriting determined the rates and he would put in a complaint requesting that the rate of 5.94 % be honored because he gave me incorrect information regarding the interest rate and how the debt-to-income ratio was calculated. After the banker put in a total of three complaints within various departments within the financial system and 1.5 months later, all complaints were denied. Ultimately, I was told that they will talk to the banker to make sure he doesnt provide customers with inaccurate information moving forward. Had I been given an accurate interest rate initially, I wouldnt have allowed PNC to run my credit which ultimately decreased my credit score. I would have allowed the financial institution with the lowest base interest rate to run my credit. I would also have paid off my credit cards and waited multiple months with a balance of zero prior to allowing them to run my credit to better my debt-to-income ratio, if I had been given accurate information as to how the debt-to-income ratio was calculated. Due to the inaccuracy of these critical pieces of information, PNC has caused me to be put in a position of paying more over the life of a loan resulting in additional undue debt. | ||||||
| 10/20/2016 | Yes |
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| PNC Mortgage charged me {$650.00} for an appraisal and credit check. They completed the credited check first and started the process to complete the HARP refinancing. I was told, I had to pay the appraisal fee and credit check up front. It could not be placed in the loan. This was paid upfront. The appraisal was conducted XXXX XXXX, 2016. I called the company numerous times regarding the results of the appraisal. I was informed they had the results but could not release the results to me. I asked how could they do this ; charge me ... have me pay for the appraisal but control the delivery of the product. Tuesday, XXXX XXXX, I received the appraisal after receiving a phone call from PNC Mortgage division on Friday, XXXX XXXX, 2016, informing me the loan was not approved due to the 2nd mortgage denying the subordination. I asked why did I have to pay the appraisal fee to find this out. PNC advised me the 2nd mortgage company would not approve the subordination without an appraisal. My question was, yes, but did the appraisal fee have to be paid upfront in order to determine if the 2nd mortgage company would approve the subordination? PNC stated yes, the appraisal would have to be completed. XXXX is the 2nd mortgage holder. I am currently in a Chapter XXXX bankruptcy. After calling XXXX, I was informed that an appraisal was not needed to determine whether the subordination would be approved because I listed XXXX as a non-secure creditor. Therefore, they would not approve the subordination, regardless. PNC had me go thru a lot of work ; reach-out to Trustee ; have my attorney get permission from the court to refinance ; not to mention all the time involved and numerous hours involved. I was told they would not refund me my money because the service was provided. I received paperwork that indicated it was denied because of credit and other. A credit report was 1st ran and PNC knew I had the Chpt XXXX bankruptcy. They are my 1st mortgage holder. PNC has reached out to me numerous times asking that I refinance. In the past, I have always cancelled the process because PNC changed the cost. This time, I made sure that there was an understanding of the cost. When it changed, I reached out to a manager who gave me a {$300.00} refund on the cost. This is a lot of money to have taken from me, {$650.00}. I did not get the service I paid for. PNC got the service that I paid for and when they were finished with what they want and/or needed to do, they finally sent me the appraisal results. I would like to have my {$650.00} back. I have filled a complaint with the Attorney General 's Office, as well. | ||||||
| 11/24/2023 | Yes |
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| On XXXX XXXX my insurance agent submitted the quote along with the offer from XXXX for windstorm and hail insurance and from XXXX for hazard insurance on my property. Funds were available in escrow for both policies. PNC paid the hazard insurance, but did not pay the windstorm and hail policy. PNC put forced insurance on my property for the windstorm. This forced insurance increased my mortgage payment. I requested that a case be opened and research be done showing that documentation be considered showing that everything done on my end was done correctly and in a timely manner which should have prevented this issue from arising. PNC then determined that the documents that were submitted was a quote and they could not accept a quote as proof of coverage. Now to be clear I have the quote, but I also have an offer of insurance from this company, dated for the same day, XXXX XXXX, should I accept the offer ; I would need to make a payment. This offer letter has the premium amount and a coupon requesting payment should I accept. Nowhere on this offer does it state that its a quote. At this point, the insurance company is requesting payment if I want the policy. My insurance agent stated that most insurance companies offer a 10 day grace period for payment, but this company does not. When a payment for the policy is made then the coverage will start, hence acceptance of their offer. There will be no declarations page until the policy is issued and the policy is issued upon receipt of payment. Also, the premium that they finally paid from my escrow is with the insurance company that gave the quote and made the offer. It should be evident that XXXX was awaiting payment from them. I have gone round and round with PNC. Ive done everything that I could have possibly done correctly and in a timely manner. Funds and paperwork was in PNC possession. They finally ended up paying the premium and cancelling the forced insurance, but now they are expecting me to pay for the time period of the time of coverage that had lapsed until when they decided to pay the premium. This had nothing to do with me or my agent. The mortgage company, PNC, had everything they needed for insurance to be placed on my property. They payed Hazard and not the Windstorm and are looking for me to pay for their incompetence. This is unethical and it should be unlawful. My agent and I have done everything we know do to prove to this company that weve done our due diligence, yet they are ignoring the obvious facts. I need help to resolve this matter. The consumer should not feel like they are being railroaded by their lender. | ||||||
| 09/01/2023 | Yes |
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| I obtained a personal loan with PNC Bank on XX/XX/XXXX form {$4500.00}, where I signed a consent form to have {$130.00} automatically deducted from my bank account on the XXXX of every month beginning on XX/XX/XXXX. There was supposed to be a 1 % decrease in my interest rate for having the automatic deduction, which has not occurred. The loan matured on XX/XX/XXXX. I received a slip of paper in the mail advising that my final payment was {$270.00}, stating that this would take the place of my automatic deduction. I contacted the bank and was transferred several times before reaching the loan dept. I was advised that my loan was past due and that's why the final payment was so large. The representative stated that there was payments missed in XXXX and XXXX of XXXX. I ask how was that possible when I have automatic deductions and my direct deposit from my employer never stopped coming into this account, and every other payment has been deducted with no issues and I was also notadvised that the past due amount was made current on XXXX could not explain what happened and transferred me to collections, collections advised me that my account was not past due and she could not see any missed payments. The XXXX in collections filed a complaint and I received a call from an escalations Rep for PNC bank, could not explain anything to me and kept telling me that he would get back to me with my concern. I had XXXX from the local branch call to offer other services and I advise him of the issue and he advised that he could get the late fees removed, to only discover that he couldn't have anything removed from the account, due to the loan dept involvement and the loan advised him to have me write in with my dispute, my local branch composed a letter on XX/XX/XXXX, which they also mailed on my behalf, since them I have had another Rep from the escalations office call me trying to bully me into making the final payment, now PNC bank has added an additional late fee and the balance is now approaching the 30 day past due XXXX and on XX/XX/XXXX, I had a person from PNC bank contact me about the outstanding balance. During this time period, I have been told that I must have called in to skip a payment, which is not true, in order to miss a payment the request has to be submitted in writing and a late fee would not have been accessed, I have been told that I lost my job, which is not true I have been employed with the same employer for over XXXX. As of today the % XXXX for having the automatic deductions has not been applied, the late fees have not been removed as promised and the interest is still accruing. | ||||||
| 08/25/2020 | Yes |
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Web | Servicemember |
| I tried to get a VA home loan through PNC bank, I was told to go outside my branch to XXXX NJ and got XXXX XXXX, he was unhelpful and did assist me what so ever, so I filed a complaint with the escalations team and was assigned a national loan officer XXXX XXXX via email, i was pre approved and asked for a letter for a certain amount that was to be my offer, she sends the FULL amount I was approved for, which is not what I asked for, she says to me that i can use that just not pay that for the home!? this is loan 101 no no, I told her she was wrong and I want the letter I asked for, she sends me this child like word doc with PNC n her name typed with the loan amount, that loked so fake and unprofessional, I told her this and she argued it doesnt matter, I said it does, she refused to get me the color copy which is the official pnc one, but i sent to the realtors and of course I was laughed at and it XXXX off the seller as they thought it was fake too! I file another complaint, then was assigned XXXX XXXX, who told me he likes Vets and will help me! he sent some stuff I needed but then when I asked questions he REFUSED to answer, REFUSED to email me back, then later REFUSED to call me back!! he also aprroved me for XXXX, he DID have the address and the tax info and my INCOME info, he said proceed with the sale, i was at inspection phase and he sends me a letter for XXXX, but wont cal me or email me why. I filed another complaint and got XXXX XXXX his boss, he took over, then REFUSED to answer questions i had on the loan and ones asked by the realtors, I asked ovr n ovr and was ignored over n over! I filed many more complaints via the escalations team, and neither XXXX nor XXXX would reply to me n answer questions. I then was MAILED an approval letter for XXXX?!!? WHY?!?! NO explaination, no call no email, yet was told to buy the house! I filed another complaint, it went nowhere and I was told they dont have to answer questions! I then got another executive manager to look into this, she tried but came back with lies and no answers. all she did was tell me the lies that the loan officers told me! she said they said they didnt have the address or tax or income info which was a lIE as i never asked for the loan without providing that info as that was the ONLY home I bid on! I told her this and she got snippy and still never got me the naswer why my approval went down that HUGE amount! on top of the super unprofessional behavior of pnc mortgage team. I reached out to my branch for help and they refused to help too. this was XXXX - XX/XX/2020. I have many emails asking for HELP on this matter. | ||||||
| 07/07/2016 | Yes |
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| I'v been a happy customer of pnc bank for almost a year now but was very dissapointed when I signed up for a service to email me when my account was overdrawn and it did not do this service, resulting in several overdraft fee 's. I calmly called pnc and told them that I recived a email about me overdrafting after I was already charged. They do give you 24 hours to account for the negative transactions, but because I rely on these services that were offered to me I was unaware that I was in the negative. The man apologized and offered to rid the extra charges given to me. But he also told me that I needed to put money into my account to account for pending transactions on my card. I told him that would n't be a problem and that I was in a rush to work and that I would deposit the money into my account when I got off. He said I 'd be fine and asked if there were anything else he could help me with I told him no and to have a nice day. I got off work and put the {$40.00} into my account which was enough ro cover my negative account and my pending transactions around XXXX. The next day I was charged for the pending transactions and more overdraft fee 's. I did n't know what to do at this point, so I call pnc bank again and ask what was going on with my account and was told I did n't put my money into my account before XXXX. Now I understand there are rules which is not a problem with me but the fact that I was not specifically told that I needed my money in before XXXX. I tried to fix my problem by putting the money into my account. I called and talked to several people about it and they all told me they could n't do anything for me. I 'm just upset that there was an opportunity for the employee to tell me the deadline was XXXX and he did n't tell me. Thought the several calls I had made there were different information given to me by each on and nothing seemed clear to me. Pnc never put me in the right direction in order to fix my account and when I had asked them for help there was nothing they could do for me. I feel this was very poor service and the last two pnc worker 's were rude with me. I genuinely tried to fix my problem and was told I was wrong and nothing could be done for me. And because of the lack of training in this guy who miss informed me and told me I would 've been fine depositing after work, I was charged {$200.00} in overdraft fee 's. I would 've avoided this whole situation if I was given one piece of information. I almost missed my family reunion because of these charges to my account. Everyone I talked to seemed to not care at all and for that I will be leaving pnc. | ||||||
| 07/30/2017 | Yes |
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| I contacted PNC bank on XXXX/XXXX/17 around XXXX XXXX CST, in order to attempt to enroll in XXXX XXXX. I had just purchased a new phone and wanted to transfer over my banking information to my new phone which should have been an easy process. Out of all the accounts I am a cardholder of, PNC was the only one which required a phone call. It should not have been a big deal and I have no difficulty calling, however the blatant disrespect received by me due to the action of PNC was appalling. The first person I spoke with asked for my SSN and a recent deposit into my account. Since my phone was new as I stated above, my PNC app was locked out. She advised me to call back, which I understood. The next time I called back the woman I spoke with was extremely rude and asked me for my SSN again, and told me she would not assist me until I stepped into a branch. I asked multiple times for additional information or assistance, and she outright told me she would not help me. She told me she was going to be placing me on hold and when I asked why, she ignored me and went ahead with the hold. Five minutes later, she came back and said there was a problem with the phone. Over and over I asked where are you sending me and what is happening, but she ignored me and placed me on hold in the middle of our conversation. She also continuously referred to me as ma'am even clearly stating she thought I as a woman, which I am clearly not. The next person I spoke with asked for my SSN, DOB, and my drivers license number before telling me to enter a branch. I continued to ask why, and was told he would not be assisting me. When I asked for information to track our conversation such as a name or ID, the Specialist refused and told me he would not speak to me further. The " Supervisor '' I spoke with asked me roughly the same questions for the 3rd or fourth time now, and then said he did not have any other questions. He promised he would " warm transfer '' me to a Specialist. I waited on hold for 11 minutes, before the Specialist came on the line who had no idea who I was or what was happening. He did n't even tell her the issue or what was done because I still had to give my SSN and all my information again. PNC bank has shown horrendously poor Customer service, and has discriminated against me based on my potential orientation and/or my gender. I have been a Customer for a few years now, and this is not acceptable. PNC lied and mislead me through this whole process. I sincerely hope they take criticism and feedback seriously, because their discriminatory and judgemental procedures were extremely unfair and bias. | ||||||
| 07/06/2016 | Yes |
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| I am requesting with this notice that the following account be DELETED from my credit report. PNC CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. XXXX | ||||||
| 03/04/2021 | Yes |
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| Last Thursday, XX/XX/XXXX of 2021, around XXXX, I tried to deposit {$3600.00}, in all XXXX dollar bills, into a PNC Bank atm located at XXXX XXXX XXXX, XXXX XXXX, KY, XXXX, United States. I am not a member at this bank but I knew of the atms feature of being able to deposit money into ones account. The atm counted the money I put into the machine correctly and proceeded to ask me to continue. Once I clicked continue the atm told me that I wasnt able to deposit money in the atm to put into my account and that I had to go to my own bank institution. However, it never refunded the money that I put into the machine. It never even gave me a decline receipt for not being able to deposit the money. I then went into the bank to talk to a manager about what happen. After an hour of trying to explain what happen to my bank, XXXX, over the phone and the PNC bank manager, I was trying to figure out how to get my money back. XXXX was telling me there was no transaction history of me trying to deposit money into my account and the PNC bank manager was telling me since I was not a member at their bank institution there was no way to check my account to see why money wasnt deposited. Once understanding that there wasnt much my bank could do for me because there was no transaction history or no data to support my claim, PNC became my only option of trying to get my money. It only makes sense, PNC bank was where I deposited my money ; their atm was what took my money and didnt give me my money back. They had my money. But the PNC bank manager said their atms are serviced by a 3rd party company. The PNC bank manager would never give me the number to their 3rd party company that services that atm either. From what the manager told me, the 3rd party company are the only ones that would know of the overage in the atm. Ive called the PNC bank customer service number off of their website and spoke to a supervisor and explained to her what had transpired and she gave me a reference number and said she would call me within 24 to 48 hours with more details on how we could resolve the situation. The incident was that Thursday, so I expected a call the next day, which wouldve been Friday, or the following Monday. I still have not received a call. Tuesday I called the PNC branch where the incident took place and gave them the reference number to see if they could find any details of what their higher ups did with the situation. However, they couldnt find anything with the reference number i gave them. They then said Id have to get in touch with consumer financial protection bureau to try to resolve the situation. | ||||||
| 12/04/2018 | Yes |
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| Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... .. | ||||||
| 09/04/2021 | Yes |
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Web | Servicemember |
| I had been in communication with customer service reps with Simple Banking over these issues with my shared checking account which began with not having the amounts credited to my account after I placed a sum aside in the expense category feature they had in the Simple app and then transferred it to a goal. It did not make its way to that goal and become my available balance! It was {$630.00} I believe, and this happened in XX/XX/2018. I spent months upon months going back and forth with them which turned into over a year until they were taken over by BBVA and my complaints are gone now along with any hope of a resolution! Soon PNC will be taking over BBVA as well! I have already been charged close to {$300.00} with BBVA since they started managing my old Simple accounts and the transaction records they have are incomplete and displaying inaccuracies of the account balance then charging outrageous fees for insufficient funds which is not correct! Also I continually have problems logging into the online banking platform for weeks at a time with complications with passwords and secured online access that I cant even manage my money anymore! I want those fees reversed because they should never have been administered to begin with while they mismanaged the transactions thereby creating insufficient funds during the times they chose to make or accept certain ACH payments and transfers all in order to benefit from the fees charged to my account! Simple basically stole over {$600.00} from my account before BBVA came to claim nearly {$300.00} in excess fees so thats almost {$1000.00} that was taken from my account in a most nefarious manner. I have screenshots that show my balance one moment as an amount then another the next moment showing a completely different amount yet there are zero transactions on the record to prove that there was a reason for the changing sums! There was something going on with their expense and goal features in the Simple App that essentially depleted my funds by utilizing them as I was instructed to do so to help me budget better but ending up just making my budget worse off than before! There is clearly something amiss here and it can be seen by the many screenshots Ive taken over the months that show conflicting information relating to the obvious misappropriation of my account balance while Simple was the financial institution mainly used to pay certain bills ; This having ended up costing me even more with those merchants due to several returned payments and late charges after they mishandled the automatic payments each month towards the acquisition by BBVA. | ||||||
| 11/08/2021 | Yes |
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| I am and international account holder from the XXXX who held the account with BBVA for over 7 years absolutely zero issues until the BBVA compass / PNC bank merger that took place on the XXXX to XXXX XX/XX/2021. I have not able to log into my account using the details PNC provided for nearly a month now since this merger. My complaint ref with PNC is XXXX During the last month I have spent numerous hours with PNC on the phone and sent emails and I still haven no resolution. After my initial call to customer services my complaint was given a number ( listed above ) and I had contact with a lady called XXXX on the XXXX and then the XXXX XXXX via the phone and this email ( XXXX ) She couldn't resolve and said she would escalate the problem. I then had contact from XXXX XXXX ( XXXX - Title = VP Executive Client Relations ) on the XXXX XXXX a few times via the phone and email taking more details. Again she couldn't resolve so passed the case on to another colleague XXXX XXXX ( XXXX - Title Executive Client Relations ) who I spoke to a few times from the XXXX onwards trying to resolve via the phone. I was promised a call back on the XXXX, that didn't happen so I emailed XXXX on the XXXX and he called me back to apologise, once again he tried to resolve after he had done some maintenance work on the account. XXXX then suggested he would have to pass it over to the team dealing with the BBVA compass / PNC merger issues. I immediately said this should have been done from the start and not 2 weeks into my complaint. I was promised an update on Monday XXXX XXXX, that never happen. I left it till the XXXX and then emailed XXXX again as for an update, I had no call or email reply to that email. On the XXXX I tried to call 3 times and left him 2 voice mail messages asking for an urgent update and a call back with progress. No reply yet again on either email or phone. I have called twice today on the XXXX XXXX and left another voice mail asking for an urgent update stating I am filling in this complaint and also emailing the CEO of PNC bank about the shocking situation i am in. Copies of all my emails attached in EML format. I have in excess of $ XXXXk in this account after just selling a property and need urgent access. If youre not already aware this merger is a total shambles doing research online, their customer service is overrun with thousands of complaints varying for no access, cards not working, accounts disappeared, business customers not able to make payments. Its a total and utter mess. Please intervene and help me regain access to my account. XXXX XXXX XXXX | ||||||
| 07/01/2017 | Yes |
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| XX/XX/XXXX This Letter is to make a formal complaint against PNC Bank Mortgage. Loan # XXXX XXXX XXXX XXXX XXXX. XXXX, Maryland, XXXX Letter Dated : XX/XX/XXXX : Approval for a conditional trial period plan letter : On page 1 of 7 Second paragraph : .. here are the terms of your conditional trial period plan,. if you complete the trial period you will receive a modification with an interest rate of 3.25 %.. On XX/XX/XXXX I got a letter of shortage on the ESCROW Account shows {$1300.00} Shortage. We are starting a new loan, so WHY are they charging this bill now. Showing a new payment of {$1500.00} This type of mistakes on PNC Banks Documentation should be punish big time. On Final documents the interest rate is 4.25 %. EXHIBIT # 1, Signed by UsXX/XX/XXXX and by PNC on XX/XX/XXXX : Total cash due from borrower : {$1500.00} NOT {$1500.00} Interest rate of existing mortgage 4.0 % AND IT IS 3.25 %, NOT 4.0 % and new modification interest rate is 4.25 % NOT 3.25 %, which they promise as stated above. I do believe that their way of doing business is ILLIGAL. EXISTING UNPAID BALANCE {$240000.00} NEW PRINCIPAL AMOUNT {$240000.00} WHAT ABOUT THE 4 PAYMENTS OF {$1500.00} FOR THE TRIAL PERIOD? THAT TOTALS {$6200.00}? When I spoke with my PNC Point of contact XXXX XXXX and then with another representative because XXXX XXXX was not available, both PNC Bank representative told me it is what it is, and if I do not like it, I could stop all the process, catch up with payments and keep making the mortgage payments on the original loan. I felt like they are telling me take it or leave it. No professional courtesy and lack of customer service. They argue that all this new payments and 1 % higher interest are because I was delinquent which is not true. I was never late, nor behind on my payments and the purpose of doing this modification was to lower the payments by reducing the loan amount which happen to other families, and to lower the interest rate so my payments will be lower. I will be saving about {$330.00} a month, but I am starting a new mortgage for 40 years, this is not right, because I had only 10 years left om my original mortgage. I have accepted the terms imposed ( Illegally ) by PNC Bank because my monetary condition. I am disable for the last 2 years on a fixed income, and my wife lost her job after 17 years with the Federal Government. We are being forced to their conditions and they are not playing by the rules. I do believe they need to be punish. Please see respective attachment provided by me. Sincerely. XXXX XXXX H. XXXX C. XXXX | ||||||
| 10/02/2017 | Yes |
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| Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me. | ||||||
| 10/05/2023 | Yes |
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| On XX/XX/2023, I went into a local PNC bank branch to discuss my CD with over {$13000.00} dollars in it. I had received a letter stating that the XXXX was maturing on XX/XX/2023. I was initially going to reinvest in another XXXX with a higher interest rate. The funds were visible on my PNC app and in my account from the bankers view. When the banker attempted to move the funds, she received an error message. I then said to forget the new CD, I wanted a cashiers check and I would take my money to a competitor. I had already had several issues with PNC in the past including difficulty with communication and CD with an automatic rollover being send to esheatment without my knowledge. It took several weeks to get my funds reinstated, and when it was reinstated, I did not have the option to remove my money, as it was just put into another XXXX with a very low interest rate. I have been receiving monthly statements for this current CD from PNC, with no indication there was an issue. On XXXX, The banker stated that she was not allowed to withdraw the funds due to an error message on the computer. She called a helpline and spoke to several people. After about XXXX minutes, she stated there would not be a quick resolution and took my phone number saying she would call me back. I did not receive a call back, so I called the branch the next day and spoke to the assistant regional XXXX. She stated that my situation has been escalated to IT support and they will be reaching out to me. Later that day, got a voicemail from PNC retail support stating that there was a glitch in the system. After attempting to call the retail support employee back multiple times, she finally answered, and explained The CD department is saying the funds are not eligible for release and to contact the esheetment department. The esheetment department was saying the funds have been released from their side and should be available. She would call me back when she heard something. I insisted on an update either way the next day. I had not heard an update as of XXXX the next day, so I called the retail support employee and she stated that she heard from both departments, but they were both stating the same, going back and forth saying the issue lies with the other department. PNC bank continues to refuse to allow me to withdraw my money, and close my CD despite the fact that the money is clearly visible and the XXXX has matured. Both the branch employees and the retail support agent clearly acknowledged multiple times that I have ownership on the entire amount listed in the XXXX, and am entitled to withdraw it. | ||||||
| 04/07/2015 | Yes |
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| PNC Mortgage Servicer, hired XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ), including but not limited to XXXX attorneys, any to act, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and notary XXXX XXXX XXXX, to stole my home in XX/XX/XXXX I had filed complaints with many agencies, including CFPB, FTC, Texas Attorney General, the trustee for my property, XXXX XXXX XXXX, the law firm, XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ) that PNC hired to steal my home. My image was slandered in the public with a notice of acceleration posted XX/XX/XXXX by attorneys for XXXX, stating they were substitute trustee ; yet it was 7 days later, XX/XX/XXXX, that XXXX XXXX by self appointment, recorded an APPOINTMENT OF SUBSTITUTE TRUSTEE document into the public record. XXXX XXXX is the Trustee on the Deed of Trust. There is no beneficiary. XXXX can not perform an act they have no authority to perform. This was the beginning of my nightmare into theft of property by court process and with people pretending to hold a public office but have no oath of office to the public. I and my youth were dispossessed, we fled in fear, XX/XX/XXXX, because Judge XXXX XXXX, no public servant of mine, in XXXX County, completed a Writ of Possession and in that writ were instructions for a man with a XXXX to have XXXX XXXX permission to " XXXX and my possessions '' to remove us from the property. Where XXXX XXXX had the authority to give a man permission to harm XXXX and my property, I do not know and never consented to her purported authority to steal from me using the business of her court room. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. When the home was stolen, the claim in the notice of acceleration was {$120000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PNC Mortgage responds the account closed paid in full, never late, date of status is XX/XX/2007 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have the note marked Paid in Full, that I received from National City XXXX ; I was forced to leave it to leave my property due to the deceptive practices of PNC employees and the employees of law firm, XXXX, including the fraud foreclosure action, all unconscionable actions of PNC employees and the employees of law firm XXXX The law firm employees are recorded with the public in the XXXX County court, the law firm employees, have the names of the PNC employees that initiated the theft of property by constructive fraud. | ||||||
| 05/08/2020 | Yes |
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| XXXX, a company I rent office space from, charged me {$370.00} on XX/XX/2019 and {$260.00} on XX/XX/2019 for use of the copy/printer. I believed the copy/printer was included in the rent as they did not state that it wasn't and no where in their House Rules, Terms and Conditions or in my contract does it state the copier/printer was an added fee and no where does it state what those added fees are. Due to XXXX charging me for the use of their printer and not disclosing to me the fees for the use of the printer I attempted to dispute these charges with PNC bank which my business credit card is under. XXXX automatically charges me each month and when I saw the additional charge in XXXX I mistakenly assumed it was for my other office space that I was renting from them. When I received my XXXX invoice I realized the additional charges were for the printer use and not for my other office space. I contacted PNC in XXXX about these printer charges to see what could be done as XXXX was not helpful in resolving this issue with me. PNC told me they would investigate. No one from PNC called back and I never received anything in the mail. A couple months went by and I realized nothing had been resolved about these charges. I called PNC and was told the case was closed out and everything was resolved. XXXX had double charged me for rent in XXXX as an accident and PNC thought this was the charge I was referring to and said it was refunded and closed the case out. Additionally, I never received any mail regarding this decision. I refiled dispute cases against both these printer charges in the first week of XXXX. I provided PNC with the invoices with the printer fees and a copy of XXXX 's house rules, terms and conditions and my contract showing that in none of these documents is the printer mentioned as being an additional cost and no document stated what the printer costs were. PNC closed my dispute cases against these charges at the beginning of XXXX stating that they did not see anything wrong with these charges even though the documentation I provided to them clearly did not list the printer as being an added cost nor do any of the documents show what the printer costs are. PNC also told me it was too late for me to dispute these charges but I did attempt to dispute them in XX/XX/2019. PNC did not handle the situation correctly and closed it out. I feel that PNC has handled this dispute improperly from the beginning and I am just getting the run around from them and they made it clear they are not going to help me. This is now going on 6 months where this issue is still not resolved. | ||||||
| 07/16/2022 | Yes |
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| On XX/XX/2022 a withdrawal in the amount of {$2500.00} was deducted from my PNC Savings account. The incident happened with the drive-thru teller. The money was disbursed without verifying or confirming if the person was the account holder. Then on XX/XX/2022 and on XX/XX/2022 XXXX more withdrawals were made from my PNC Savings account for {$1000.00} on each of the above mentioned dates which totaled {$2000.00}. Again it was done with the drive thru teller and once again no verification was performed. I found out about these XXXX withdrawals from my savings on XX/XX/2022. I informed PNC and they initiated a dispute in which I needed to sign XXXX affidavits for these incidents. These affidavits were submitted on XX/XX/2022. A week later my account was reimbursed for {$4500.00}. Then on XX/XX/2022 a check from XXXX under my daughters name was provided to the teller to be cashed for {$800.00} and the money once again was provided without verification. Another dispute was submitted with another affidavit and upon further investigation PNC determined that the check wasn't valid and was fraudulently done with my daughters information. Upon review of surveillance the vehicle was a XXXX truck and did not fit the descriptions of our vehicles. Upon PNC confirming it was not me or my daughter, once again I was reimbursed for the {$800.00} a week later and the dispute was closed. Additionally, on XX/XX/2022 a check from XXXX Bank was provided to the teller to be cashed for {$2000.00}. Once again, for the XXXX time, the transaction was not verified and {$2000.00} was provided without verification. Another dispute was submitted with another affidavit done by PNC bank, and as of today Friday XX/XX/2022 I have not received my reimbursement of {$2000.00}. I am requesting for these incidents to be documented with the FTC and Federal Reserve simply because they are not keeping my accounts safe. I have been a loyal customer for 40 years when the bank XXXX XXXX texas XXXX bank, then merged with XXXX compass, and then with PNC. I am extremely upset with the lack of security PNC has shown for me. How is it possible that they didn't learn their lesson from the first oversight that happened on XX/XX/XXXX? They refused to keep my money safe XXXX times and allowed these withdrawals totaling over {$7000.00} within a matter of 3 four months. This is unacceptable, and I will not be a victim once again because of their laziness and refusal to take care of a loyal customer. I want answers and results regarding their careless behavior and I want my {$2000.00} back in my account as soon as possible. | ||||||
| 08/21/2023 | Yes |
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| On XX/XX/XXXX I went to the PNC bank to get a duplicate card. I sat for 45 minutes and watch the bank teller help other customers who basically ignored me. He began assisting walk-in customers who came after me and left before me. I am XXXX with a support animal and I felt that I was overlooked and treated unfavorably. In addition, I am a XXXX female. He decided to come back to me 45 minutes later after checking out his walk-in customers stating that the machine is broken and that the bank manager apologized and that my debit card will be expedited shipping and gave my support animal a toy. I left the bank and was upset and did not show it really. I received an email two days later on XX/XX/XXXX confirming that I received my debit card. I called the bank 's online customer service and the female inform me that my card will come on XX/XX/XXXX. On XX/XX/XXXX when I noticed my card was not in the mail I contacted the PNC bank again. I said the whole story again what happen and how I received an email confirming that my card was given to me on XX/XX/XXXX and I never received it. She told me that she spoke to her co-worker XXXX and gave me a reference number # XXXX that my card is expedited again and will be delivered by Tuesday XX/XX/XXXX. I found out on Saturday XX/XX/XXXX that my card was used! The PNC customer service rep fabricate that my card was expedited on Friday was not true. I called online bank and the customer service person was very disrespectful towards me. He acted egregious and I had to basically fabricate that I was at the police station and need to speak to a supervisor. He did not feel that it was not an emergency that my account was not secured and my card was used by someone. He finally put an online manager on the phone. She stayed on the phone with me until I reach the bank location to stop any false transactions with this card and change the card. The wait was about 40 minutes until I was called. I request the bank manager he never showed his face. A lady assisted me and she gave me a new card and then found during this time the person who used the card did not get any money from the account. I did speak to the Escalation department she listen to what I had to say respectfully. However, the XXXX PNC bank manager called this a mistake downplaying what is advertised as a secured bank and making excuses for her employees. I do not feel secure and my concerns are swept under the rug. Why did the bank fabricate that they expedited a card twice and it never happened? The email states they gave my card to me when it never happened is very concerning. | ||||||
| 08/09/2021 | Yes |
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| On multiple occasions, I spoke with Mortgage Representatives about FHA Loan Hardship options. I even spoke with a Representative about FHA Streamline options. I am on a fixed 5.25 % rate and have not missed a payment in over 3 years. PNC Home Mortgage Reps were not aware of the program and the refinance application ( draft ) that was submitted did not match what the representative advised me on the phone. After speaking with over 5 reps in 1 day, I was still denied any options. The representatives were dismissive, provided inaccurate information, and were rude. I voiced my concerns and was told I would hear back from a manager. Never received any follow-up. After speaking with XXXX, on XX/XX/XXXX about concerns related to my mortgage account and having access to it. She deleted all my security questions and removed my phone number, to finally discover on XX/XX/XXXX, that her actions prevent me from accessing my account PNC 's entire online account. A simple password reset has been extended to 10-14 days via snail mail to receive a password in the mail. This is after a wonderful Representative " XXXX '' invested 4 minutes into researching and trying every available option to assist me. This pattern of denying minorities access to decreased mortgage rates, and federal programs are the same issue PNC practiced in XXXX a previous class-action lawsuit- for overcharging and denying minorities access to fair lending. I have a copy of the Refinance/Closing worksheet provided by XXXX, that has the inflated figures ( including appraisal fee-appraisal not required ) and my response voicing my concerns and his dismissive response. Only after speaking to an XXXX American representative was I informed of a " Hardship Application '' option. This is after speaking with 7 other reps over a 3 month period. Of course, completing the hardship application does not guarantee a decreased interest rate, and surely doubt that minorities are given the option for reduced rates. This needs to be looked into because customers experiencing this poor service. In addition, previous reps advised the HOPE Assistance program may be able to assist with making payments. The HOPE Program does not assist Mortgage owners, in spite of customers experiencing hardships being referred, REPEATEDLY, to the HOPE Program. I completed the HOPE application in XX/XX/XXXX, interviewed providing documents XX/XX/XXXX only for my application to be denied in XXXX XXXX " due to no assistance for homeowners- RENTERS ONLY '' - never received any notification. I just happened to call to follow- up on my application status. | ||||||
| 03/07/2022 | Yes |
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| I made my XXXX mortgage payment like I do every month on the PNC bank website. I clicked on my external account name linked to my personal checking account with wells fargo and clicked pay. In XXXX I went on the PNC website to do the same thing and noticed that my XXXX payment was returned unpaid by my wells fargo. I contacted PNC to see why because I had enough money in my XXXX XXXX checking account to pay that XXXX payment. The PNC rep told me that the account number was wrong. I responded, how could it be wrong I've been making the mortgage payment the same way with the same account since the mortgage started. After numerous phone calls ranging from 45 minutes to 2 hours and 34 minutes, We discovered that someone, we don't know who, entered 3 account numbers, two of which had the incorrect XXXX XXXX account number, and my name was misspelled on three of those accounts. So when I wnet to pay my mortgage, I unknowingly clicked on one of the 2 accounts that had the wrong account number so PNC never got the money. Finally after a 2 hour and 34 minute phone call with 6 different people, PNC and I worked together on line to have the other accounts deleted, and the problem has finally been solved, I requested to have the late fees reversed since I did not enter those incorrect account numbers and the incorrect spelling of my name. On one of the accounts it list my middle initial, which I never ever ever use. They are refusing to credit me the late fees. I have only two theories... One, my account was hacked into, which to me makes no sense since they would have nothing to gain but to cause confusion and chaos. Two, Which makes sense to me ... ..PNC did it themselves to create the {$81.00} late fee. If they do that to just 100 of the thousands of costumers they have, they would create an additional {$8100.00} of revenue to their bank. And it happened to me twice for a total of {$160.00}. That might seem hard to believe by most people but if you've watched enough XXXX XXXX Documentaries like I have, you would know that XXXX XXXX does this all the time in the name of profit. How the Tobacco companies that lied to the public about the cause of XXXX from cigarettes ', How the chemical companies lied about the XXXX causing agent XXXX, and let us not forget about XXXX XXXX 's predatory loans which I'm sure your agency is well knowledgably about. So, in summery, I would like th CFPB to look into PNC Mortgage accounts and to see if there is a pattern of these mystery account names and numbers and any unusually high amounts of late fees they are collecting from their customers | ||||||
| 08/23/2023 | Yes |
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| Today XX/XX/2023 I went to PNC Bank located at XXXX XXXX XXXX XXXX XXXX IL XXXX to order foreign currency i.e. XXXX XXXX My goal was to have some cash for tipping for my upcoming trip to XXXX. I was looking to get about {$100.00} USD equivalent of XXXX XXXX I was greeted by the teller that passed me on to the receptionist/greeter to process the transaction. This was odd because this was a teller transaction. The receptionist / greeter started to process my transaction and as she was about to submit the {$100.00} USD of XXXX XXXXXXXX the teller who was listening in called out from behind the teller line that PNC does not even process XXXXXXXX XXXX. The receptionist / greeter that was processing the request told her that it is in the system and can be ordered. Upon hearing that the teller from behind the teller line started, contradicting her initial statement that XXXX XXXXXXXX is " non standard currency '' and a minimum of {$200.00} USD has to be ordered. I inquired that I was looking only for a {$100.00} USD in XXXX XXXX mostly for tipping. Upon hearing that the teller looked at her screen and said that its a " non standard currency '' and you have to order a minimum of {$250.00} USD. At this point I asked them to please double check as this is the first I am hearing of this that XXXX who is one of the major tourist destinations in the world is considered non standard. I was informed by the teller that she double checked and the minimum has to be {$250.00}. Reluctantly I ordered the {$250.00} USD equivalent of XXXX XXXXXXXX with the receptionist / greeter. These limits around ordering a certain minimum amount of foreign currency are no where mentioned on the account disclosures provided ( attachment of account disclosures with this communication ), on the official website of PNC there is a no disclosure or mention of a minimum limit for ordering foreign currency. Snapshot also attached from their website. Here is the link for your reference XXXX XXXX XXXX I feel that I was forced to order more foreign currency than needed so higher amount of profit and markup can be changed as part of the exchange rate. There was no proper disclosure provided to me as a customer at the time of account opening. Nor a disclosure was provided to me that explained these limits of minimum requirements today. I feel this was an Unfair and Deceptive practice. Any reasonable and educated consumer will feel being taken advantage off. Finally, I am also concerned about the Privacy and involvement of this second employee without the request of the employee processing the transaction. | ||||||
| 03/01/2022 | Yes |
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| XX/XX/XXXX and XX/XX/XXXX I went to bed at XXXX watched my account They then added XXXX four times by XXXX XXXX.This happened to add with putting any notice in mail or email.Not showing me what the charges for.I had XXXX yesterday.All paid for items.Everything stated posted besides my items at XXXX XXXX and at that time everything else was posted and paid. I had a talk with XXXX head offices today.They informed me that they were fully paid on the XXXX of XXXX.The fees were in turn removed by pnc today and repaid to them. And pnc added fees to my account after illegally charging me for back dated items that was already paid for.Items on XXXX still under posted.Did not get charged for those.Yet they back dated removed the item paid already and repaid them and charged me fees 4 XXXX fees.They stated that it was already paid and should not have had any fees.They did not post anything with pnc.The charges came out XX/XX/XXXX and XXXX.They were paid in full.But told me pnc took the money back and paid it back witch gave me those fees.That should not have happen.They did not do it instead pnc did it and gave me XXXX fees four times.They did it by pulling fully paid items and turned them negaive when they were already paid.XXXX agrees that should be paid back or a lawsuit for illegally trying to collect fees not owed.They said pnc paid them and then pulled it back and paid again.And today was a ton of XXXX for other items that was posted as paid items that was back dated before XXXX.It was paid so why charge for items that they back dated.I notice they do this a lot.Took XXXX in XXXX fees for XXXX worth of its that was paid.I had just got my social security today and they stole XXXX from me.And I would like my money back and for this to be investigated for fraud activity by pnc. Hi I need to dispute these XXXXfees.I had moneyin my account and It was not negative.I woke up to four different transaction of XXXX.I will dispute these as well with fairshake.That should not be there.XXXX Spent XXXX at XXXX XXXX and woke up to all these fees when I had money an dno notice on these fees no 24 hours went by just instantly posted XXXX times four..I need my money back in the account .That is just not right.Instantly post that.Been watching my account very close.This is no day later it posted to add fees several times on porpose. I need my money back.I will be moving and I am working with a loan mortgage .And this should not be on here when it was not negative.I am contacting XXXX attorney Because I am being charged when having money in the account and everything posted. | ||||||
| 12/18/2017 | Yes |
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| an ex co-worker allowed me to use his XXXX prime account to help me buy a gift for my kids last year..around XXXX XXXX, when we were working together, in XXXX, Michigan XXXX At the time i lived in XXXX, ohio, and he resides in XXXX, michigan. i purchased the item on his account to be delivered to his house free shipping. his account was free shipping, mine was not. he got the item, and brought it to me at work when it arrived. since then, he quit the company in XXXX or XXXX, XXXX. I left the company in XXXX XXXX, and moved to the XXXX, Florida area, XXXX XXXX, and live in a town called XXXX. in XXXX i was on work assignment in XXXX XXXX, stopped in on XXXX to the bank, PNC BANK, to check balance on my credit card and pay it. This is when i found out that there was many purchases to XXXX marketplace, which i did not do, nor authorize. I met with banker, they cancelled card, ending in ... XXXX, issued me a new one, and i filed a dispute. After i left the bank i called XXXX XXXX XXXX XXXX, and asked for them to look me and my credit card number up, which they did. I asked them to run a report comparing my card charges to any shipping address which was NOT mine. I live in XXXX, Florida. I have a billing and shipping address in XXXX, Florida. The Customer service lady, named XXXX, emailed me and XXXX ( the unauthorized user ) a copy of each purchase which was shipped to his address in XXXX, Michigan. including each order number and description of items, dates, and costs. Each which matched my credit card statement. This activity began XXXX XXXX and ran through XXXX XXXX. There are XXXX seperate orders, each with multiple items. Since then PNC BANK, XXXX XXXX, on XXXX XXXX, sent me a letter stating they " have determined '' that i had authorized the use of my card. And i am responsible for the charges on my account. This is incorrect. Never did i allow him to use my credit card for any purchase. Nor did i know he would have saved my card number, and use it at a later date. I called PNC XXXX XXXX week of XXXX XXXX, XXXX times, and asked how they came up with this determination, and they said i would have to speak with XXXX, who was suposedly off until Monday. Asked for her to call me back, and it has been over a week and she has not called me. The total purchases ( as known to this day ) is {$9100.00} .... XXXX bank contact was XXXX XXXX, at PNC, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, phone number XXXX. I spoke with PNC fraud/dispute team on that same day from XXXX office. business date XXXX XXXX, XXXX. I have a contact name of XXXX, at XXXX for dispute team. | ||||||
| 03/08/2023 | Yes |
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| This is additional documentation for my appeal to PNC bank disputing charges posted to my checking account on XX/XX/XXXX, in the amount of {$270.00} and {$500.00}. I was in the barber shop in NC, when a string of thank you for your subscription messages with amounts started comping across my cell phone. I am a student at NC XXXX and XXXX My physical whereabouts can be confirmed at all times, to prove I was in NC and then in MD for the winter break. I was warned not to open messages like that, so I phoned my mother, and she instantly called the bank and had them cancel my bank card ( XXXX XXXX XXXX XXXX ). Immediately as this was happening and while the charges were still pending, my mom asked the bank not to pay then, but the bank paid them. I still have copies of some of the messages on my phone, which I am attaching this complaint ( being filed with the XXXX XXXX XXXX XXXX ). When I returned home to MD, my mom and I went to PNC and told them of the events, and I received a new bank card. I was told by the bank representative that PNC should have contacted me to verify my identify and ask if this was me, making these transactions, when the string of highly unusual activity was taking place. Nevertheless, I assumed that after the dispute was filed on XX/XX/XXXX, the event was behind me. On XX/XX/XXXX, I received a letter in the mail from PNC, stating that I was responsible for the transactions. The 2 transactions that actually posted and were paid by PNC were for {$270.00} and {$500.00}. Both were online purchases to Target, and picked up at a Target in CA ( while I was still in NC ). I had my bank card with me the entire time this was going on. I did not make any online purchase for these items, nor did I authorize or pick up these items. No one else is authorized to pick up anything on my XXXX account but myself. XXXX requires that if someone else picks up items on your account, they be named on your online account. No one else is listed on my account. Additionally, ID must be presented when picking up items. I did not pick up any items in CA and I have never been to CA. I do not know how PNC is holding me responsible for these transactions when clearly my bank card was hacked. The string of transactions going across my cell phone did not stop until the card was shut down. I filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XXXX XXXXXX/XX/XXXX, after the unfavorable determination was issued. The Police Report # is XXXX. I filed a complaint with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am including this as written documentation to PNC. | ||||||
| 12/10/2018 | Yes |
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| in XX/XX/XXXX I became delinquent on my mortgage. I was offered a HUD loan and accepted as it was my only option. I have since asked to be provided documentation in regards to that loan ( ie. an itemized list of all charges to be included in that loan, documentations that I signed. ) I have not received that. The mortgage became delinquent again and starting in XX/XX/XXXX I started paying additional on my mortgage each month this continued into XX/XX/XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XX/XX/XXXX - {$1200.00} Surplus Placed into a suspense account XX/XX/XXXX - {$1700.00} Surplus Placed into a suspense account XX/XX/XXXX - {$960.00} Surplus Placed into a suspense account XX/XX/XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 5 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. When faced with specific instances of violating consumer protections the conversation turns cold, or they inject other misinformation to further muddy the waters. It is my understanding that PNC is in violation of the Prompt Crediting Under FRB Rule as well as Prompt Crediting under Dodd-Frank, TILA Amendments and CFPB Regulations. As well as numerous others. If accepted the partial payments ( ie. payments less that the periodic amount ) should have been placed into a unapplied funds account/suspense account. The " funds must be applied from the suspense account when the amount in suspense is equal to or greater than a periodic payment '' It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences. | ||||||
| 09/29/2023 | Yes |
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| On XX/XX/XXXX we had unauthorized charges come through our checking out, via my debit card. I was notified by text of three of these charges and marked them as fraudulent. I then followed up with the bank the same day to confirm that those charges were not going through and then they closed that debit card and sent me a new one. Later that afternoon I received a few notifications from XXXX stating that orders that I did not place had be shipped. I then called PNC back and asked why these charges still went through - they said that since it was my debit card, I would have to wait until the charges posted before I could file a dispute. Over the next few days I tried calling XXXX to cancel or refuse the orders that had been placed in my name and there was nothing they could do about it. The charges showed up on my account and said that the products were delivered to me but nothing was ever delivered. To define these charges/orders : - They all happened on the same day - at the same time - For the exact same product- in the exact same amount We filed one dispute and it took the full 90 days for us to get a response. The response detailed that 3 of the 14 charges were found as fraud but the other 11 were found as legitimate orders. The provisional credit was taken back and PNC closed our checking account AND my credit card without any notice. This is an account that all of our bills come out of, power, mortgage etc. These payments are auto-drafted and because the account was closed without notice we incurred various fees due to returned payments. It then took us a full 3 weeks to receive the cashiers check for the remaining amount in our account, to open a new account at a different bank, and for all of those funds to be available since it was a large deposit. I then filed a complaint with the CFPB regarding this situation and was placed with an agent at PNC. They filed a separate dispute XX/XX/XXXX and within 25 days we received notice that the NEW dispute went nowhere. I have provided a police report and a letter from XXXX stating that the 3rd party company that the fraudulent orders were placed with has since been removed from the platform for " quality reasons. '' In the meantime, my PNC representative stated that XXXX tried to issue the refund for the remaining funds but because they had closed our account, the funds were rejected. My representative at PNC then instructed me to call XXXX and see if they could reissue the refund. Since that instruction I have gone back and forth with both PNC and XXXX trying to find someone who can help, with no luck. | ||||||
| 09/24/2017 | Yes |
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| Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much. | ||||||
| 05/17/2021 | Yes |
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| On XX/XX/XXXX and XX/XX/XXXX, orders were placed with XXXX XXXX for the amounts of {$4300.00} ( order # XXXX ) and {$4200.00} XXXX order # XXXX ), respectively. Both of these orders were returned and the money was sent back to my account ( which can be seen in the attached documents ). On XX/XX/XXXX, these same amounts were charged to my account. I filed a dispute with PNC and they gave me provisional credit. On XX/XX/XXXX, I spoke with a representative who told me that I would be receiving a document in the mail that needs to be filled out and faxed. I received that letter on XX/XX/XXXX. Then on XX/XX/XXXX, the dispute was closed stating that I did not give the proper documents when requested. I called PNC and told them that they did not give me a reasonable amount of time to send in the paperwork and they said my only recourse was to open an entirely new dispute, but this time I would not be receiving provisional credit. This put my account negative {$8000.00} which also accrued fees day after day. While the dispute was happening, they decided to close my account because it was negative for too many days. I then went to my local branch on XX/XX/XXXX to ask what was happening. I was told that the account was closed but the disputes were still active and a letter was sent to me on XX/XX/XXXX requesting additional information. Again, I did not receive this letter but I was able to fax the documents with the PNC associate in the branch. Today on XX/XX/XXXX, I was on a conference call with a PNC associate and two different XXXX XXXX employees. Neither of the XXXX XXXX employees in the customer service nor the disputes department knew what these second charges were and did not see any record of the refunds being taken back. The PNC associate I had on the phone confirmed that these charges I received on XX/XX/XXXX were not new charges, but the reversed refunds. I asked the associate if we can rule in my favor in regards to the dispute and she said it is up to me to go to my local XXXX XXXX to try to resolve this further. They also mentioned that if they don't hear back from XXXX XXXX, they will close the dispute and leave me with the bill. Again, XXXX XXXX 's disputes department did not see any record of this refund being taken back. I believe this is PNC 's way to hand this off to me after they were given everything they needed in order to charge this back and settle the dispute as resolved. This issue has not only caused my only checking account to be frozen, but I also cant open up any other accounts at financial institutions until this matter is resolved. | ||||||
| 10/14/2019 | Yes |
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| Company : PNC Bank. Please see the attached letter sent to PNC bank on XX/XX/XXXX detailing the event in question. Since that time, I have been in contact with XXXX XXXX XXXX, Executive Client Relations Representative at PNC Bank. Her contact information is as follows : ( p ) XXXX ; ( f ) XXXX ; XXXX. Unfortunately, PNC has declined to reinstate the funds to my account, or even inspect, reprimand, or manage the PNC account holder that scammed me. On Thursday, XX/XX/2019, as instructed, I deposited {$1400.00} into a PNC account holders account by the name of XXXX XXXX ( Account # XXXX ). Subsequently, correspondence between the landlady and I became less frequent. She stopped responding to my emails and texts altogether, and never fulfilled her part of the agreement in sending me the keys and particulars to the unit. It is now evident that I have fallen victim to a scam. I was left devastated and, quite honestly, humiliated with no place to live only a few days before starting a new career. I have had to freeze my credit, open new banking accounts, credit/debit cards etc. The process has been exhausting, frustrating, and costly. PNC Bank has declined to look into the account that scammed me and further, declined my request to reinstate my funds after what they called a " thorough investigation. '' PNC indicated that my request was declined because of the policy that is signed by the account holder indicates that PNC is not at fault for these types of incidents, citing that the policy states that I " particpated '' in the nefarious transaction, even if unaware, as I deposited the funds willingly into the account. A significant point to consider - I was not a PNC account holder at the time I deposited these funds, nor was I ever previous to the transaction. I did not open an account with PNC until XX/XX/2019, so why is it that PNC is applying such terms to its rationale as to not return my funds? PNC has a responsibility as a financial institution to monitor and prevent fraud and the institute is outwardly denying adamantly to even investigate or contact the account holder. I am perplexed at how, me, as an outsider who was not an account holder at the time ; hence not signing or agreeing to any terms, is now being held to an agreement. Even more so, I am disappointed in PNC 's negligence and insouciant stance towards blatant fraudulent behavior. I can provide any and all documents upon request, including all email/text correspondence between the scammer and myself. Please feel free to reach me via phone at ( XXXX ) XXXX or email : XXXX. Thank you, | ||||||
| 09/30/2020 | Yes |
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| PNC Bank advised us that they would refinance our loan at 3.3 % thirty year fixed and if we invest $ XXXX with them, they will do a discount of XXXX points and XXXX points for {$1.00} XXXX. We provided them our records and sources of investment and met with their investment group. After listening to them, we decided that we would be open to $ XXXX investment, and if we like their performance we can do more later. After we informed them, they came back and said they will not do the loan and it should be XXXX {$1.00} XXXX investment. After telling them, that they did a bait and switch, they asked a manager and he said to not complain with regulators and instead will provide $ XXXX of credit on one property and $ XXXX on second to make up for our experience. We provided them all of our information in XXXX ( two 401K, IRA, multiple properties, savings with enough cash to carry us three years even without a job, far above minimum ). Subsequent to that no responses received again on loan status. After complaining that it has been nearly a month and half we started again sending them my bonuses, pay stubs, investments and stocks, insurance, mortgages. They asked my HR to provide them records of bonuses and stubs showing bonuses, which we did comprehensively. We provided them copies of three years of taxes. Still two months later and nothing. Then they asked for same items again for third time and put a long list of items through a macro-based file to my HR who stated that they have never seen anything like this, it can have cyber security issues to open these files, and finally beyond confirming employment bonus rates, they can't fill out some 15-20 questions that are beyond basic question of bonus structure and salary an confirmation of employment. The bank has refused to fund our loan, refund charges for credit and appraisal. They never intended to do this loan and has dragged us for nearly four months now. If they had any issue with my income they should have asked for that before dragging us this long, asking for appraisals and keep blaming COVID. Why ask for same information three times and never act on it, the answer is the bait and switch. They wanted our investment and never intended to fund this loan. Their conduct is fraudulent, in bad faith. Let me state that I emailed them with this narrative, they confirmed that this bait and switch indeed happen and they were sorry. This is all in writing from their mortgage rep and his Vice president copied. 4-5 months is beyond good faith business practice. I asked them for refund twice and they refuse to do so. | ||||||
| 12/02/2021 | Yes |
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| My wife lost her job of 18 years in XXXX of XXXX due to the Covid Pandemic. In XXXX of XXXX we entered the Cares Act Forbearance Plan with our VA home loan. We have since exited the Forbearance Plan and have made our XXXX & XXXX of XXXX mortgage payments. In discussions with our Mortgage Servicer ( XXXX XXXX XXXX XXXX ) about repayment of our missed loan payments while in forbearance, we had made an agreement on XX/XX/XXXX that we would use the VAPCP Program ( VA Partial Claim Payment Program ). Wherein the VA purchases the forbearance period missed payments and places them in a second lien on the home, which is interest free and payable when the property is sold. On XX/XX/XXXX the servicing of our loan, not the loan itself, was transferred to PNC Bank. We have come to find out they will not honor the agreement made with our previous servicer nor will they consider the VA Program as an option. ( verified in recorded phone conversations ). They are attempting, with the threat of foreclosure, to force us into filing a Hardship Assistance Application. This in itself would be fraudulent because we are not in a financial hardship situation. This Hardship Assistance Application is 16 pages long and is very similar to a new loan application. If we comply, it will give PNC Bank the right to dictate the manner in which the missed payments are paid back. This is entrapment. Through XXXX telephone conversations ( most recorded ) we have determined that their end game is to do what they call a " XXXX XXXX ''. In reality, it will be a new loan because it will have a new total, a new interest rate, a new term length, and of course new fees. First, this enables them to add the missed payments into the entire length of the mortgage which will greatly increase the loan. As an example of which, early on, our former servicer attempted the same thing. They upped the interest rate and added XXXX years to our loan, which equalled approximately {$110000.00}, to repay the missed payments which were {$32000.00}, an {$87000.00} fee to borrow {$32000.00}! Secondarily, they will now be able to sell the new larger loan and get a big payday because our home has doubled in value, making the loan more lucrative to an investor. In summary, If PNC Bank wanted to be simply paid back, they could use the VA XXXX XXXX XXXX, which we chose, and have their money overnight. It is outrageous that a XXXX XXXX Bank, bailed out in XXXX to the tune of XXXX XXXX taxpayer dollars, is using this XXXX economic tragedy to rip off the " little people '' that, back then, saved them. | ||||||
| 12/26/2017 | Yes |
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| PNC still fails to resolve and release funds among other practices. See prior case CFPB XXXX that was closed, but it is not resolving any concern as PNC knows and understands that both executors are not able to sign the document together. So, we have requested the same document sent to each of us with a signature line and notary for each executor. I have asked XXXX XXXX numerous times in the month of XXXX 2017 to send one to XXXX XXXX the co-executor with only her signature & notary requirement, and I requested one for myself with only my signature line/notary. I have explained this problematic situation with the document to XXXX XXXX on multiple phone conversations and at least one email correspondence. XXXX XXXX understands that the authorization and indemnification document they are providing and requiring as written is impossible to have completed. XXXX ( co-executor ) has taken the document to several institutions multiple times, and no one will notarize the document for her with both names and notary requirements on the document. PNC should have consumers all over the country in this situation that can not both be present to sign documents, and PNC should be more than familiar with situations such as these. PNC should be able to comply with our need for individual forms. XXXX XXXX advised that she understands what we need, why we have requested individual forms, and she states that PNC 's position is that they will only provide us with the document as it is. She states PNC is not willing to send two documents ( one for each individual to sign and notarize ) even after several explanations. PNC understands we need separate forms, and they are refusing to comply and release the funds as requested. Plus, PNC has been provided the authorization forms that our estate attorney had prepared and have been executed for each of us in addition to official court documentation. PNC is intentionally giving us a hard time releasing funds due to their non compliance, numerous employee errors/ mistakes that were made. I encourage any current or potential PNC customer to be aware of bad practices and lack of financial protection to their elderly consumers. PNC allowed a removal of payable on XXXX beneficiary in an account conversion to a guardianship account when a new account should have been required. Also, the person making changes was only allowed temporary guardianship. They allowed all these changes to be made when grandma provided the bank with advance warning and had the account frozen as it was clearly not the account utilized for household expenses. | ||||||
| 09/18/2023 | Yes |
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| On Monday, XX/XX/, it was revealed to my office manager that a check, from a separate practice, had been stolen and made fraudulent. Both medical practices use the same vendor and so our checks were mailed out together. With that said, because their check had been compromised, mine could possibly suffer the same fate. On the same day my office manager notified my PNC representative, XXXX XXXX, of the situation to see if we needed to do anything on our part. Later, on XX/XX/2023, it was discovered that my check had indeed been affected as well. The fraudulent check was cashed on XX/XX/2023, for {$17000.00} with a completely different receiver noted and a signature that was not mine. It was made out to XXXX XXXX where the original one was for XXXX XXXX in the amount of {$2000.00}. I had written many PNC checks before this one and I would have thought, especially with the given large amount being cashed, that my signature would have been checked for authentication, but it was not. Both my office manager and I made numerous attempts to get updates from PNC regarding this issue. Not once did the bank, that is supposed to protect my money, reach out to me on their own for an update. To this day it is still my end checking in for a status update. In XXXX, after receiving the only mail from PNC regarding this issue, my office manager spoke with XXXX XXXX to once again correct PNC with the proper information on the check that was stolen. My office manager reached back out to XXXX XXXX to ask why it appears that nothing had been processed when this issue first came to light. He stated that he had initially put in two requests. I am not confident that is true given that XXXX is executing this now, 2 months later. Eventually I was directed to speak with XXXX XXXX who was not any better at keeping me updated. My conversations with her gave no insight into any progress being made during the investigation. Dealing with her did not ease the stress, it only confirmed my feelings that this issue was nowhere near a resolution because no one seemed to be vigilante. Now, 6 months into this process, I am being told that there is nothing to be done about the stolen funds. I found this to be extremely unacceptable, even more so after discovering that the mutual XXXX with the stolen check, who also banks with PNC, was able to rectify their fraudulent check that was in the same envelope, within a timely manner. This issue has caused me to question the logic of banks. Why do we open accounts and pay for checks if we can not guarantee the security of our accounts? | ||||||
| 08/04/2022 | Yes |
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| I contacted PNC in XX/XX/XXXX to discuss refinancing our fixed rate mortgage ( which was with PNC at XXXX XXXX ). I indicated my desire to refinance at a fixed rate without incurring closing costs. I was emailed by XXXX XXXX on XX/XX/XXXX with an introduction email stating he would be our Personal Loan Specialist and requested documentation from us to get started. XXXX XXXX Loan Processing Analyst Fulfillment, XXXX XXXX XXXX XXXX XXXX # XXXX There was back and forth email communication and phone calls as we gathered and provided documentation throughout XXXX, XXXX, XXXX On XX/XX/XXXX I sent the following email to XXXX : Hi XXXX I received documentation via email of condition approval and request to acknowledge digital application documents. In reviewing, there are a few errors. 1 ) We requested a fixed rate, not variable 2 ) We requested a 15 or 18 year term and requested payment estimate of both options to make determination 3 ) We do not want any money out. We had a phone call and XXXX advised he would fix and we discussed the 15year vs 18 year payment based upon a fixed rate of 3.5 % with a .25 % rate decrease if we set up automatic payments. He communicated that our outstanding XXXX mortgage would be paid off by the HELOC and that that amount would be fixed, and that because it was a HELOC we could pull out additional funds after loan closure, but that amount would be a variable rate. On XX/XX/XXXX, I reviewed my statement and noticed a 4.25 % rate. I immediately called in to customer service who advised they would file a complaint and that I would receive a phone call by a manager. I followed up be sending XXXX an email requesting help. XXXX emailed me back the morning of XX/XX/XXXX stating he no longer worked in that department, but that " we would definitely want to speak with you ASAP to ensure your concerns are being addressed ''. After receiving his correspondence, I called the number he provided - XXXX. I told the agent I wanted to speak with him. After XXXX minutes of hold time, she came back on the line to advise me she had located him and placed me on hold again. XXXX minutes later, she advised that XXXX said there was nothing he could do. The agent then asked if I wanted to file a complaint. I advised her that I had already done so and was waiting for a call back. She acknowledged that she did in fact see my complaint. She attempted to get a manager on the line. After one hour on hold, I was unable to keep the connection due to work schedule. It is now after business hours ( XXXX XXXX and I have not received any phone call. | ||||||
| 10/14/2021 | Yes |
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| I was formerly a XXXX customer who merged or got bought out with PNC Bank. The transition happened on XX/XX/XXXX and at the time I was supposed to be able to log into my account, I wasn't able to. I figured it was probably just running a little slow with all the people trying to log in and gave it a few hours. A few hours later on XX/XX/XXXX, I tried to log in and my second attempt at logging in I received an error that my account had been locked for trying to log in too many times with incorrect information. I tried to reset my password which didn't work so, I thought maybe I was one of the people who needed to enroll and start a new account. When I did that, it tells me my information is not recognized - the information I used was my SSN and my new PNC Bank Virtual Wallet account number. I called the main help number and get someone who is helpful but unable to help me. They can see my account and confirm that I do have an account with PNC but are unable to help me get into online banking so, they transfer me. I was on hold for 2 hours and had to hang up because I had a meeting at work I needed to be on the phone for. On XX/XX/XXXX, I tried all the steps above again with all the same results except I couldn't stay on hold with them for 2 hours, only 30 minutes and then had to hang up. On XXXX XXXX same story except the slightest bit more information from one Help Desk employee : my username didn't get transferred over. And now here I am, typing this while waiting for someone to answer as the phone rings endlessly after being transferred to the Online Banking Division. I expect I'll let it ring for another hour and forty five minutes then have to hang up because of a work meeting in 2 hours. The only other way they advertise to get ahold of anyone is through XXXX. I've messaged them several times there in response to their " How can I help you '' threads as well as sending them DMs - none of which have been responded to. I can't get in to pay my bills! I can't get in to see my accounts! I can't get in tomorrow to check to make sure my paycheck will be deposited because now I don't trust that anything will be done correctly if they couldn't even port over my username correctly. I'm in IT - how was there no testing of anything? No double checking that they got everyone? They took months to get this transition set up and they miss people? There are LOTS of people on XXXX who are in the same or similar situation. It also sounds like you can't go into a branch and have them help you- they refer you to the Online Banking department. | ||||||
| 01/31/2022 | Yes |
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| Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies | ||||||
| 07/24/2020 | Yes |
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| I would appreciate your help with PNC. On XX/XX/XXXX, i asked PNC to put a hold on my loan payment and they agreed to do so for two months. I had to put a stop to all the payments. Since the pandemic there is no way to enter the building and do so. In that regard i reached.out to the PNC XXXX XXXX and i was in contact with XXXX XXXX, Miss XXXX put a hold of the payments and transfers, She mentioned that when i want to go back to the same process for paying the loan and transfer then i should call her back and reverse the process. I contacted via email Miss XXXX in XXXX and asked her to set everything back to normal due to the payment coming out in XXXX. I was very specific and i mentioned what accounts and she verified. I noticed XXXX i did not see any transfer from one account to another to make the payment for the Loan for the land. I contacted Miss XXXX via email and she mentioned that i am incorrect the payment is coming out in XXXX. I replied imminently and sent her a scan of my loan payment schedule the bank had sent me and expressed my concern. Miss XXXX not only ignored my emails she also ignored my phone calls. Due to that fact of knowing that she made an error i frantically transferred funds and as you know the payment coming out the i did not make the dead line and there was not enough funds, and my account borrowed from the line of credit. When i reached out to Miss XXXX again the next day she ignored my emails and my phone call she replied at the end of the day and very annoyed and rudely expressed that it was my mistake and not hers. I reached out to the branch manger and i expressed being a customer for 17 years thus having a loan for {$720000.00} which is paid off in the next two years. I am disappointed to that i was treated so rudely, causing my loan payment to take from my line of credit due to XXXX mistake, in which she is not acknowledge and willing to fix. I expressed if the bank is not willing to acknowledge and fix the mistake i would be happy to take my business banking to another bank. I also have that email the Bank manger XXXX XXXX expressed that would his pleasure and to help me move banks. I would like to express this is not the first time i have had an issue with Miss XXXX, another time i opened a bank account only in my name. She called my ex husband and told him that my checks are available to be picked up. I expressed very highly for there is no one else on my account and do not send the checks to my place of business. I would like a third party to step in and help with this issue and solve the mistake. | ||||||
| 05/13/2021 | Yes |
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Web | Servicemember |
| Good evening, I received an alert from XXXX that on XX/XX/2021 a PNC Bank account was opened using my SSN. I never opened an account with this financial institution. I immediately contacted XXXX XXXX XXXX alert team to let them know of the identity theft/criminal activity. I also contacted the local police to file a report. On XX/XX/2021 I went to the local PNC Bank in XXXX, MD to report the fraudulent activity. I spoke with the lady at the customer service desk and told her the issue. I specifically told her that I wanted to speak with the branch manager. I was first approached by a representative who was not the branch manager. I then was met with another representative who said that she was the branch manager. I accompanied the branch manager to her office. I shared with her the serious offense and showed her the XXXX screenshots of the fraudulent activity. She asked me to put in my SSN and said that she did not see anything. I again explained to her the facts and added I have a lot of questions. Before I asked my first question, her phone rings and she begins to talk with another customer while I am sitting in her office. More than a minute goes by and she is still talking on the phone with this customer. I was so displeased by her lack of professionalism, lack of security/privacy act protocols, dismissive attitude, and sheer disrespect that I began to gather my things and proceed to leave her office. As I got up, the branch manager stops talking with the customer on the phone and asks me if I was okay. I responded that I am not okay and left. The branch manager did not answer my questions or provide me with an identity theft affidavit or anything regarding the fraudulent/criminal activity. The way she treated me was deplorable. As an honorably retired and permanently XXXX military veteran, I am extremely shocked by the XXXX PNC Bank branch manager 's action towards me and to the other customer whom she held a phone conversation with while in my presence. I request that PNC Headquarters address the unresolved criminal activity regarding the theft of my identity, address the branch manager 's unprofessional/disrespectful/dismissive treatment towards me and my fraudulent activity complaint, and address how the branch manager violated security and privacy concerns while having a phone conversation with another customer while in my presence. I will standby for further instructions to provide additional information ( PNC Bank Branch manager name, PNC Bank Customer Service name, XXXX screenshot of fraudulent activity, police report, etc. ) | ||||||
| 06/20/2017 | Yes |
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| This complaint is on XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called PNC to speak to a representative specifically pertaining to XXXX XXXX and asked the rep to please tell me about the app that 's connected to the PNC mobile app. I also explained to the rep my reasoning behind wanting to know more information about XXXX. I told her that I was purchasing a product from a seller from XXXX a site where buyers can sell gently used items. I also expressed that I always use XXXX all the time and is XXXX similar where if for whatever reason I do n't receive the product or something goes wrong can I dispute the transaction. She stated yes and that I can cancel it anytime. Had she not confirmed XXXX was a secure way to send money similar to XXXX where you can file an appeal I would have never sent any money to this seller. The same day the transaction was completed I called PNC because the seller did not provide me the tracking information I requested. The 2nd representative gave me instructions for canceling the payment online and the option was unable. The 2nd rep I spoke to also stated that once it 's completed they ca n't do anything about it. However, the first initial rep I spoke to NEVER stated once a transaction is completed you ca n't cancel it or dispute it she stated the complete opposite. So at this point I 'm distraught because I specifically called in inquiring more information about this payment system connected to my PNC mobile app. I beg the rep to complete a dispute explaining I was rob of {$900.00} from a fraudulent vendor. I had the vendor name, number and PNC had the banking information it was transferred too. After several days of not receiving any notice or documentation about the case. I called PNC again to check the status. A representative informed me on the case its states resolve with recipient. I just lost it crying frantically asking to speak to a supervisor or someone who can help because I did n't get any notice about their decision so more time is being wasted and my {$900.00} is gone. The supervisor was just apologizing for the very first representative I spoke to who misadvised me to send money through XXXX XXXX stating I can appeal or cancel it. I requested the call to be pulled and that the case still be looked into and how can they not be able to track {$900.00} and do absolutely nothing about it. It was complete negligence on PNC in the way the handle it was not able to help out a customer in need at all due to false information provided by there representative. I just desperately want my money back. | ||||||
| 02/15/2019 | Yes |
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| My mother was the payee rep and guardian for my XXXX cousins. They are the nieces and nephew of my grandmother who is deceased. In the XXXX 's their parent passed and my mother took over making sure they were cared for. Last year my mom had a XXXX. In XX/XX/XXXX my mom and I went to PNC XXXX branch. She attempted to add me to the accounts for the XXXX cousins, but was told I could not be added. We would need to go to courthouse and get verification of guardianship and payee rep changed. We were afraid of closing the accounts because their social security XXXX checks were direct deposit. We went to social security and they changed me to payee rep as of XX/XX/XXXX. The courthouse had set a date in XXXX to have a hearing for both mom and me to change guardianship, but mom had another XXXX and was in XXXX. Since my mom could not go to court the courts appointed a GuardianAdLitem to represent the XXXX cousins. After she checked out everyone they granted me guardianship on XX/XX/XXXX. I have taken these papers to the PNC bank and they sent them to their legal department. When I check to see if they will allow me access so I can start a new account with me on there to pay the XXXX XXXX and nursing homes they tell me the legal dept denied me. My mom had called them several times, I have been there several times, my sister and my dad all have gone to see if we can get this changed so I can pay the people taking care of the XXXX cousins. My mom use to transfer the money to her account and write a check. Now mom passed away in XXXX and my dad is living with me and he had a XXXX. I am a single mom, work full time and care for my dad. Now they tell me that even if they do give me access they will have to issue a check to the social security office. The Social Security office worker told me to tell them no don't do that because it would take up to 6 months to get another check issued. That will be 8 months their XXXX XXXX would not be paid and I can't pay the pharmacy bills for any of their medicines. I called my House of Rep and they suggested I call a lawyer because this no right. I called the NC Commissioner of Banks and they said they would get a lawyer too and suggested I contact Consumer Financial Protection. I just want to be able to pay the facilities that my cousins are staying at for their services and for their medicines. I have no money to get a lawyer and I have missed a lot of time taking off work just to take care of them and get this straight. Now I understand why families just end up turning their family members over to the state. | ||||||
| 10/28/2016 | Yes |
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| In XXXX this year ( 2016 ), my wife and I submitted our mortgage payment on time. With a 5 week month coming up, we wanted to stay ahead on our payment so we paid 1.5 times our mortgage payment. Later in the month, we received a check from PNC, with no explanation or reasoning for the check. Thinking it was because of an " overpayment '' we cashed the check. About a month later, since my wife runs a business, she checked her credit and found that her credit had dropped due to a " late '' payment reported from PNC. Come to find out, PNC made a mistake by mailing us this check, so after we cashed it, PNC reported it as a late payment on our end. After multiple phone calls into PNC, they admitted it was their fault, that they should not have sent out the check to us, and that we just needed to write a letter explaining the situation to them and that PNC would decide if they were going to remove the late fee or not. My wife submitted the letter to them, no response. Come XXXX XXXX, 2016, my wife and I are trying to apply for a new home loan to move into a new house and sell our existing XXXX. After running a credit report, our lender found that the " late payment '' was still showing up. We contacted PNC, they stated they had mailed us a letter stating they only had to report " accurate '' information and they were not going to remove this from our credit report. I want to know how they have to report " accurate '' information, but they do n't report that this was their fault, which is clearly is and they admitted it was their fault. I was PNC to work to get this removed from our credit, as it is hindering my wife 's business and hindering my family by not allowing us to get a new loan for a new home. Researching online this is a very common issue with PNC and I feel it is not fair, accurate or ethical to ruin people 's credit because they are sending customers checks that they should not be sending out. This is a terrible business practice, PNC I feel is unethical in this regards. I have been current on my mortgage for over 3 years, I make a payment for MORE than my mortgage, and no my wife 's and my credit gets hit hard. Even when calling PNC prior to them stating this as a " late fee '' PNC representative told my wife that everything was current and up to date. If they would have mentioned anything about this, we could have easily corrected it at the time and our credit would not have taken a hit. I think PNC should work to correct their own mistake and remove this false " late payment '' hit from my wife 's and my credit immediately. | ||||||
| 02/09/2021 | Yes |
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| On XX/XX/XXXX, I opened a PNC Virtual Wallet Checking Pro account via a special link that was attached to a promotional offer. This promotional offer claimed that if I opened the above stated account, I would receive a promotional bonus of {$200.00} upon completing the written requirements. I also was emailed a separate offer of {$15.00} on XX/XX/XXXX, which required me to complete two bill payments from my Virtual Wallet Checking Pro. However, despite meeting all of the written requirements of the advertised offers, I have not yet received either promotional bonus. On XX/XX/XXXX, I inquired with PNC customer support about the missing promotional credits, but was told I would need to wait longer to receive the credits. The requirements of the {$200.00} advertised offer stated : the new Spend account [ Virtual Wallet Checking Pro ] must be opened online via the application link [ see attached for screenshot of application link page ] ... between XX/XX/XXXX to XX/XX/XXXX, and a qualifying Direct Deposit ( s ) must be received within the first 60 days ... [ and the reward ] will be credited to the eligible account within 60-90 days after all conditions have been met. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$2000.00} for Virtual Wallet Checking Pro. The requirements of the {$15.00} advertised offer stated : Users must use PNC Bank Online Bill Pay to submit 2 ( two ) bill payments by the end of the next calendar month, based on the date of this email, in order to qualify for the {$15.00} credit. If the qualifying criteria is met, a {$15.00} credit will be applied to the primary deposit account used for PNC Bank Online Bill Pay within ten weeks after completing the required bill payments. As evidenced in my attached documentation, I met the requirements of each offer as stated in the above two paragraphs. For the {$200.00} offer, I opened the account online via the application link and received multiple Direct Deposits to my Virtual Wallet Checking Pro Spend account, each totaling at least {$2000.00}, within the first 60 days after the account opening date. It is now well past 90 days since I met the requirements of this offer, but I havent yet received the {$200.00} credit. Additionally, while I completed the terms of the {$15.00} bill pay credit, by submitting two bill payments before the end of the following calendar month after receiving the offer, I have not yet received the {$15.00} credit despite it being past ten weeks since I completed the offer requirements. | ||||||
| 05/03/2023 | Yes |
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Web | Older American |
| PNC Check # XXXX Fraud Complaint 2023 XX/XX/2023 - Check # XXXX was written to XXXX XXXX XXXX XXXX XXXX XXXX the amount {$4500.00} from PNC Bank account # XXXX. It was mailed the following day to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Check # XXXX paid/posted to my account. I did not verify the payee as I have been mailing checks to the payee at this address for 4 years. XX/XX/2023 Monthly invoice from XXXX XXXX XXXX XXXX of XXXX was received. The {$4500.00} credit was not reflected in the balance. I then reviewed the check copy and discovered the fraud. The payee had been covered with a plain sticker and the name XXXX XXXX was written in the payee section. The back was endorsed by XXXX XXXX and deposited to XXXX XXXX mobile banking. Both XXXX XXXX and PNC Bank honored the altered, and thus fraudulent, check. I immediately contacted PNC Bank. PNC Bank then mailed an affidavit to me to be completed, signed, and notarized by XXXX XXXX XXXX XXXX of XXXX XX/XX/2023 I met with XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX who completed the form and had it notarized while I was there. She informed me they had filed a police report and a postal investigation. I took the completed form to my PNC branch that afternoon. It was then faxed internally to their fraud department. XX/XX/2023 I followed up with PNC customer service having received no response from their fraud department. I was directed to the XXXX department line, XXXX, option XXXX. No one answered the phone. The recording instructs the caller to leave a message and they will respond within 48 hours. No response received. XX/XX/2023 Another follow up call was made to the XXXX department line. Same recording. No response. XX/XX/2023 I contacted the local branch representative, XXXX XXXX, who had faxed the affidavit on my behalf. I asked him to file a complaint. He did. He received the same non-answer/no response from the XXXX department. XX/XX/2023 XXXX XXXX called me after making several inquiries on my behalf. He also sent an email stating he was told PNC policy and procedure which is 120 days to resolve check fraud. He also said he was told PNC views this as XXXX XXXX problem and their time frame is 240 days. XXXX XXXX is the only person at PNC who has shown any interest in trying to resolve my issue. 120 240 days is total and completely unacceptable. Neither bank should have honored the check. PNC needs to credit my account ASAP. This is a clear case of fraud. PNC should have never paid the obviously altered check. | ||||||
| 03/02/2023 | Yes |
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Web | Older American |
| My husband has an account at PNC bank. He passed away on XX/XX/XXXX. He receives social security direct deposit payments. He received a payment on XX/XX/XXXX ( which he was entitled to since social security pays a month behind, this payment was for XXXX ). The normal monthly bills were paid out of this account. When social security notified the bank of his passing and that they would not be doing any more payments the bank put a hold on the payment that had already been posted on XX/XX/XXXX. They were notified on or around XX/XX/XXXX. PNC told me I had to get an affidavit of stating small estate since this bank account was the only asset my husband had. I got the affidavit notarized and returned to them within 2 days. They then told me that because they froze the account and check ( {$2800.00} ) that the account was overdrawn {$1300.00}. They stated I needed to pay the money, they would return the payment to social security and then I would have to figure out how to get the money back. I do not have the money to pay that and when I called social security they stated the payment did not need to be returned and if it did they would have issued a reclamation against it immediately. PNC then told me I needed a letter from social security saying that he was entitled to the payment, which I went to the social security office and got and sent to them. They then stated that I had to pay the {$1300.00} and they were going to return the check. Per social security this is a long and difficult process to get money back ( the account actually has about {$1400.00} in it if they would release the hold on the check ). PNC sent me some green book screen shots which did nothing but prove that they only have to hold and return payments that enter the account AFTER they are notified of the death, which happened on XX/XX/XXXX. There were no payments after this date.They are holding a check that had already posted on XX/XX/XXXX. It clearly states on the social security website they do not have to return these funds unless they get a reclamation request ( which social security already told them they don't have to return the funds ). I have sent them all the supporting documentation and they keep stating it's the law they send it back, which it is not. Social security said they are always terrible and give people issues. Social security states the documents we have provided are more than sufficient to prove no funds are due back to social security and that they can release the hold, give me the money left in the account and then close the account. | ||||||
| 10/02/2017 | Yes |
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| PNC Bank On XX/XX/XXXX, while I was traveling to XXXX Texas from XXXX XXXX, someone used my atm card ( which was NOT LOST ) to purchase items at XXXX in XXXX, XXXX in the amount of {$56.00} and at XXXX in XXXX, Maryland for {$55.00}. I was never in XXXX, Maryland on XX/XX/XXXX or anytime in recent years. I was unaware of these purchases until I tried to use my debit card at XXXX XXXX in XXXX, where it was declined. When I contacted PNC Bank, they told me that they deactivated the card because they suspected fraud, which was indeed the case. They granted me a provisional credit for these 2 charges, and reactivated my card because I was in XXXX, but told me to go to my bank branch and get a new debit card immediately upon my return to XXXX XXXX. I did as instructed, and went into the PNC bank on XXXX XXXX, XXXX, XXXX XXXX upon my return, and obtained a new card. On XX/XX/XXXX, I noticed that the bank reversed my provisional credit, recharging me for these two fraudulent purchases. I was unable to reach the bank by phone, so I went into the branch, and I was told that PNC Bank had made a coding error, and had coded my debit card as having been lost. I told the PNC agent that I had not lost my card, but that the bank had deactivated it to prevent fraud, and that I had come into the bank to get a new card, and had then cut up that card, as instructed. The PNC agent then accessed the internal system to correct the internal system error, for the first time, inputting that my debit card had been compromised, and that I had never lost it or authorized its use. She told me it would take about 10 days to investigate, but unfortunately, the bank was not going to issue me provisional credit during this time. I told her that it was unfair that the bank would make me ( The customer ) pay for its internal system error, and that I should have access to my funds immediately, as the bank is the one that should be protecting me, its customer. To date, I have not received this provisional credit. In these days where banks want their customers to use their atm cards and debit cards, it is outrageous that the bank should require its customer to bear the cost of its business. I did everything I was told to do when I was told to do it. I never heard from the bank until they reversed their provisional credit because someone in the bank wrongly coded my debit card as being lost. It never was! It was compromised, which is happening more and more each day. How are we customers to survive if the banks make us pay for the cost of doing their business! | ||||||
| 04/17/2015 | Yes |
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| After a few years of unemployment, but making the mortgage payments on time with private help, I got back to work on XXXX/XXXX/XXXX. The private help ended, I was 30 days late for XXXX XXXX payment, but was back on track in XXXX and paid on time until XXXX XXXX. I tried in XX/XX/XXXXto refinance but was turned down for the 30 day late and less than 2 years on job. It does n't matter I had 25 year steady work history. When I realized XXXX/XXXX/XXXX I could n't make the payment, I called loss mitigation. I explained I had to buy heating fuel for winter, and would not be able to afford current mortgage payment. At the phone application, I was told I qualify according to my income. I have a $ XXXX/month payment on a loan balance of {$16000.00} on a house I have lived in for 17 years. The house value is around XXXX - XXXX. I received a demand letter on XXXX XXXX for about {$2200.00}, which I did not have. At this time mortgage payment was 60 days late. I was told by client services to make a payment to keep me out of foreclosure, so I did, but it was returned to me. I called for status often, and was told I am active in loss mitigation, my income qualifies, but bank has wrong physical address of property. I have tried to fix this problem over the years, and submitted this information once again in my latest application. This hang up on my address stalled all communication with underwriting for 6 weeks. I have since received monthly demand letters, and XXXX XXXX I received a letter denying my request for modification. I was given inconsistent information. For the XXXX program my income is insufficient for modification, but for the XXXX Programs my income is sufficient for my current payment. I received XXXX XXXX XXXX a letter that said foreclosure is " intended and pending '' I have involved the XXXX program, and as of XXXX XXXX, XXXX I am still active in loss mitigation. XXXX Rep and I spoke together to customer service, and I was told that bank is ok with not accepting my payments, and not re amortizing my small loan amount. They said they can foreclose anytime now on a home where they would get the {$16000.00} in principal that I owe, and be ok taking the {$70000.00} or more in equity from a mother and her children and leaving them homeless. I was told if I sign the liquidation papers I could get {$3000.00} for moving expenses. After six months now, bank is unwilling to compromise with a client who is willing to pay the {$16000.00} at a lower payment and longer term. I have all the letters and docs and can fax them to you. | ||||||
| 10/12/2023 | Yes |
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| The HELOC in question was opened in XXXX of XXXX at the XXXX, PA XXXX of PNC. At that time, we took an initial $ XXXX draw at a fixed rate and was told we could pay off as much as we would like as we did not need the full amount immediately. I confirmed with representative and later the phone that we would keep our fixed rate. As we split our home project into several parts, we paid down the line by $ XXXX in XXXX and XX/XX/XXXX. When we started to draw additional funds, I noticed that the new balance was at a higher rate. I scheduled a meeting with XXXX but when I showed up my original rep had transferred me to another employee who told me my only option was to refinance the entire amount at 10 %. In looking at our budget, realized we would need to cancel the additional phases of our house renovation because I could not afford to pay a {$960.00} fixed payment and several XXXX dollars monthly in variable payments. Looking for help, I called PNC and was told I could call monthly and have a XXXX entry be completed to move my fixed payment and apply it all to the variable balance at the higher rate. I have called for the past 5 months and must explain the situation over and over as there are no notes on my account. It takes me close to an hour each month on the phone. I realize now that no adjustments have been made and my variable balance continues to grow as interest rates rise. My payments have XXXX {$350.00} a month and will continue to increase. Now I realize my original customer service representative did not understand fixed rate HELOCs and I should have contacted an outside source. What I am upset about is that PNC representatives over the past 5 months promised me they would make an adjustment, and nothing was ever done. I would prefer my entire loan balance be reset to the XXXX XXXX ( there was an initial error on this as well ) but I would be happy if my payments since XX/XX/XXXX be applied to my Variable rate balance ( currently {$36000.00} as of XX/XX/XXXX ). This will allow me to pay the original {$960.00} fixed payment and then a smaller variable payment each month. My wife and I have had a very good relationship with PNC and were going to switch all our banking to you from XXXX XXXX. Unfortunately, this situation has caused a tremendous amount of stress and worry in our household over the past 6 months, and we have not made any changes. Any assistance with the initial fixed to variable conversion or applying payments to the variable balance will make us view PNC quite differently than we do now. | ||||||
| 04/19/2022 | Yes |
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| To Whom it may concern My name is XXXX XXXX, and I am writing to thank you for working with me during a time of hardship which occurred while I held a credit card with your company. I have XXXX son who is XXXX, and another who is XXXX. For a period, our family struggled to balance mounting costs associated with my sons ' conditions. In addition, my wife had to drop from working full time to part time in order to provide additional support for them. Our family made several difficult decisions which included selling our home, and moving out of state so I could accept a job with a higher salary in order to be able to pay for and provide them with the services which they require. The period of XXXX was a humbling time in particular as I watched my expenses rise to a level where I had difficulty making all of my payments for my obligations on time. Until then, I had never missed a payment on a credit obligation in my life, including during the 10 previous years in which I held this card. It was during this difficult period that PNC Credit Card Services charged-off my account. I am happy to report that over the last 3+ years, our financial situation has stabilized. I have not missed a payment on any open account. I have diligently worked to resolve any outstanding debts as well. Recently, the home which we had been renting was unexpectedly sold, and we are now forced to quickly find a new residence. As stability is vital for children with special needs, we are attempting to buy our next home. However, it has come to my attention that the late payments and charge-off from this PNC Credit Card account has lowered my credit score to a level which makes it impossible for us to obtain a mortgage. Therefore, I am humbly requesting that PNC remove this account from my credit report, or report " no data ''. I ask for this gesture of goodwill based upon our family 's circumstances. Further, I stress that I take my financial obligations seriously. This can be seen by the fact that I have resolved all outstanding financial matters which I incurred during those years. PNC has an outstanding reputation of caring for its customers, and doing the right thing. I humbly ask that you consider my request which would greatly help our family. I am just a father doing his best to provide for his children, XXXXXXXX XXXX which require care beyond that of a typical peer. I am happy to further answer any questions you may have and provide additional documentation if needed. Thank you for your time and consideration XXXX XXXX XXXX XXXX | ||||||
| 03/01/2023 | Yes |
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| Hello, I have an account package with PNC Bank. The account package is called XXXX XXXX with XXXX XXXX. I opened the account online on XX/XX/XXXX. At the time of opening the account, the information provided to me was that the minimum balance to be maintained in the combined account package was {$5000.00} for the monthly fee to be waived. The account package consists of the following XXXX accounts XXXX ) SPEND ; XXXX ) GROWTH ; and XXXX ) RESERVE. Subsequently, since the time of account opening until this day, I have consistently maintained more than {$5000.00} combined balance in my account package ( SPEND + GROWTH + RESERVE ). During the months of XX/XX/XXXX and XX/XX/XXXX, due to personal reasons, I did not get a chance to review my monthly account statements. At the next review of my account statements, I noticed that a monthly fee of {$25.00} per month was debited from my SPEND account for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite maintaining more than the required minimum balance of {$5000.00} during all these months, I was erroneously charged a monthly service fee. When I reached out to the PNC customer service team, the monthly fee for XX/XX/XXXX was refunded to my account but they refused to refund the fees for XX/XX/XXXX and XX/XX/XXXX by stating that the balance maintained in the " GROWTH '' account does not count toward the minimum balance requirement. This new information is inconsistent with what was provided to me at the time of opening the account. Furthermore, the monthly statements also clearly show that I have maintained more account balance than the required minimum of {$5000.00} per month to waive the fees. Please review the attached account statements to verify the minimum balances maintained during these monthly periods. I have reached out to the PNC bank several times and all of the representatives that I have spoken to have refused to refund the service fees that were charged erroneously in the XX/XX/XXXX and XX/XX/XXXX periods. I request the officers at the CFPB to enforce PNC Bank to honor their account terms as communicated at the time of account opening. Consequently, as I have complied with their account terms of maintaining the minimum balance to keep the account fee-free, I request the CFPB to direct the PNC bank to credit the erroneously charged service fees of {$50.00} ( {$25.00} for XX/XX/XXXX and {$25.00} for XX/XX/XXXX ) back to my PNC Checking account as soon as possible. I sincerely thank the officers at CFPB for your assistance in this matter. | ||||||
| 08/10/2016 | Yes |
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| On XXXX XXXX at approx. XXXX I attempted to deposit {$3000.00} cash in the atm machine inside the lobby at the PNC bank at XXXX XXXX XXXX XXXX. XXXX GA XXXX. The machine did not accept XXXX of the XXXX XXXX $ bills and then the machine malfunctioned and a screen showed " Unable to complete transaction please contact your banking institution '' It then returned my card with no receipt and kept {$2900.00} without depositing the amount in my account. I then called the number on my card where I was transferred over to a voicemail multiple times by attendants who seemed unconcerned with my issue. I went into the branch the next day where the bank manager initiated a dispute. I have spoken to the operators with customer service no less than 7 times over the last 13-14 days. I was told an investigation would then begin and that provisional funds in the amount of my loss would be in my account in no more than 10 days from my loss. At 10 business days ( 12 days total ) the funds were not in my account. I called the customer service line again to ask why and they told me there are no disputes in the system. I then found out once they reviewed notes that operators from within PNC had entered XXXX separate disputes for the same event. As I understand it the XXXX operators had then entered the system to erase the duplicate dispute and by doing so they accidentally erased the original and the duplicate because they did not read the notes. I asked them what this means and they stated they would have to start over and initiate a new dispute. They will not provide me with any other info and it would seem everyone I have spoken to conducts themselves with an amount of disregard for customer concerns even if they do so politely. Incompetence followed by a policy of disregard with a smile is still incompetence and disregard. When I asked them or told them I will have to speak to my attorney and or the media or someone who could help me the woman became slightly rude and asked me " am I threatening with legal proceedings or media '' at which point the woman seemed to indicate that it would interfere with the process and that she would have to turn me over to the " escalations '' dept. She behaved as if I was now doing something wrong. No matter who I call or what I do I can not seem to get any specific answer on when I will get my money back if at all. The company is displaying habitual incompetence coupled with what seems to be a policy of blatant disregard for the consumer. Any help you could provide me would be greatly appreciated. | ||||||
| 06/18/2018 | Yes |
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Web | Servicemember |
| In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. Both of these deficiency repayments are taking place at the same time as the mortgage payments. ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX. | ||||||
| 12/11/2019 | Yes |
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| I asked my branch manager of PNC Bank at XXXX XXXX in XXXX, KY to do a Payable upon death for my personal checking account and my personal savings account during XX/XX/2019. These accounts are solely owned by me and I am the only person authorized to have access to the accounts. I had recently had my attorney draft a trust agreement and wanted the trust to be named as the beneficiary of my accounts. The manager seemed very confused about what I was asking for. After going around and around and clearly stating I wanted my accounts to stay as they are but just go to the trust after I die, she took a copy of my trust and said she had to get it approved by legal and I would get a call back the next week. This happened, she said I was approved, and needed to come in and sign a paper. I came into the branch and dealt with another employee to because the manager was on vacation. I again asked this employee before signing my paperwork that my accounts would not change they would only be listing the trust as a beneficiary, she looked at the computer and said yes. I thought nothing of it until XX/XX/XXXX when my husband lost his wallet and we checked his account online to make sure there wasnt any activity on his card. When we signed in under his account, we saw MY checking and savings account pop up with his! I immediately called the PNC 800 number to figure out what was going on. They said my accounts had been changed to the trust and because my husband was listed in the trust he now has access to my accounts! Yes this is my husband, but I never gave the bank permission to do this. What if it was somebody else!? They said I needed to go to my branch and speak with the manager. I did this and she told me a few different stories. First she said that was what I asked for and signed, then she said it was the only way it could be done, then she told me legal said it was illegal in my state to do a POD, then finally she said it was against PNC policy to name a trust as a beneficiary. At this point I was so mad and just wanted the access shut down and I asked her to revert my accounts to the way they were before. After several hours because she had to call legal back she told me she cant, she has to close my accounts and open new ones. I cant just do that when I have many auto drafted payments coming out of those accounts. So until I can get new accounts opened and everything transferred my accounts are wide open to be used by someone I did not authorize to have access to my account and the manager could absolutely care less. | ||||||
| 08/22/2020 | Yes |
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| On XX/XX/2020, I requested to have my mortgage payments deferred for three months from PNC Bank. The representative I spoke with over the phone told me that the entire payment, both the principal ( ~ {$1400.00} ) and interest ( ~ {$2200.00} ), would be deferred. The representative told me that I would need to sign some documentation at a PNC branch location in order to complete the request, and I was told to wait for their phone call when the documents were ready to be signed. I received no phone call or further contact from PNC Bank and did not sign any documents which I was told needed to be signed. I did not make my mortgage payments for the three months for which I had requested deferral. However, XX/XX/2020, PNC Bank took {$8800.00} from my account without any notice. I called PNC Bank multiple times to complain about the charge to my account and was told that it was for four months of interest. I spoke with XXXX XXXX, who was in charge of the commercial mortgage department at PNC Bank. He was very rude and unhelpful, even informing me that this is the first time anyone has complained about this issue. PNC Bank did not want to resolve the issue and return the money to my account which never should have been taken out. I hired an attorney, and on XX/XX/2020, my attorney sent a letter via certified mail to the PNC Bank legal department. I have still not received any response. I feel as though I have been scammed by PNC Bank. Firstly, because I was told that both the principal and interest of my payment would be deferred. My interest is much higher than my principal, so there is no reason I would request a deferral if the entire payment was not deferred. Secondly, I was told that I had to sign documentation at a local PNC branch, but I never signed any documents from PNC Bank regarding my deferral request. If I had been informed that the interest would still be charged, I would never have made a deferral request at all. Thirdly, my regular payments were supposed to resume XX/XX/2020. However, instead of being charged my usual monthly payment, I was charged for four months of only interest, even though my deferral request was for three months. I was charged an extra month of only interest. I spoke with the local PNC branch manager about my situation, and she informed me that 9 out of 10 people have complained about the same issue. Lastly, as a result of PNC Bank 's wrongful withdrawal of {$8800.00} from my account, I was unable to pay rent for my business and I am now facing a lawsuit from my landlord. | ||||||
| 10/29/2021 | Yes |
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| I am one of the many victims affected by PNC Bank 's acquisition of BBVA and subsequent mistreatment of customers. PNC informed BBVA customers that their BBVA debit cards would continue to work through the transition period, until they activated their new debit cards. This was communicated in writing on numerous occasions. As of XX/XX/XXXX, their webpage on the acquisition states, under the FAQ heading " My debit card should have arrived before XX/XX/XXXX and it has not, what should I do? '' the answer " Remember, you can still use your BBVA debit card. '' This is false, however, as numerous consumers have reported. ( https : //www.pnc.com/en/about-pnc/topics/acquisition-update.html ) PNC sent my new debit card to the wrong address. I called them to rectify this situation and spoke to XXXX. I provided my SSN and was then asked for the last 5 digits of my PNC debit card to verify my identity. Needless to say, I was unable to do so. I was then passed off to XXXX in Retail Support, who asked me for a phone number to verify my identity, and then informed me that this phone number would not work for reasons that were unclear to me- it is a personal cell phone number which was registered with BBVA prior to the acquisition. She then asked me to verify prior addresses in the public record. I named 2 of my most recent addresses, and she asked me for another. I told her I would log into my online shopping account to get her a number of prior addresses ( I frequently move for work ). Several seconds later, she abruptly ended the interaction and passed me back to XXXX, who asked me for the last 5 digits of my BBVA debit card before informing me that she couldn't help me on the phone. I then spoke to her supervisor XXXX who was rude and confrontational and insisted that I needed to go to a PNC branch, despite the fact that there is not a single branch in my state. I asked him how I could close my account if this proves inconvenient, and he informed me that I would need to visit a branch in person. He then provided me with a mailing address to send several forms of photocopied ID to in order to request a new debit card, saying there was nothing else they could do for me over the phone, as my account had been flagged. Only after I initiated a complaint via PNC 's internal process did he notify me that I could close my account by mail as well. I could not recommend PNC to anyone, this transition has been a disaster, consumers have been lied to, and customer service is no help at all. Case numbers : XXXX XXXX | ||||||
| 09/23/2016 | Yes |
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| My mortgage company would not take my payments, I missed the due date by approximately 1 week. I called to arrange. I simply lost track of the dates. which I do sometimes. I called and requested to speak with a supervisor to see what I could do.I was denied the opportunity to speak to a supervisor and the person on the phone reported if I wanted to hang up the phone I could. I was speechless and upset. I proposed to pay now and in tow weeks to catch up for the month and told NO. I would have to do a loan modification. This process took over 13 months, ruined my credit, went to court to be insulted by the mortgage company rep who stated to me the mortgage company has no intention working with me, the judge said he could not stop foreclosure. The only choice i had at the end pay XXXX or pay {$2400.00} an month for over 2years. I did not get a chance to speak to anyone to report my case verbally to anyone. This leave me just enough to pay gas, utilities and some food.my mtg was approximately {$1200.00}??? I expected maybe {$1500.00}, but not {$2400.00}?? I have lost a lot of then put my house on the market before anything was finished. People walking my yard, all times on Saturday around the house. I was afraid. I hae tired to ge to the so called rep and each time I am giventhe 3rd degree and never is the phone answerd, I have leve message and just stopped. People are still comeing once a moth putting door hanger on the door for me to call and not be able to speak to the rep. Told me my house is still is the forclosure stage for the next 2years. This is crazy. I could pay and they are forcing me out in the worse way. i have there for 8 years. Great neighborhood and good neighors. Sad. I try to be responsible, I am a veteran with XXXX and try not to use that as an excuse. Done. I along with others would like to be heard by someone who cared and could explain without attempting make me feel like I am a nobody. i make a good salary, I am intelligent, but hits unbelievable. I want to know who owns my loan. This mtge company is the Worst. I go to a doctor for the stress and it is just too much. If they I have requested time and XXXX to walk away. I am tired and mad, and hurt, the country and a lot of the companies. here have lost sense of community and working with people. I am not asking for a hand out. Even if I get no help I will make sure many people here the story and name of this mortgage company an NEVER work with them. VA did not to assist in counseling and helping me through this mess ... va loan joke. | ||||||
| 11/16/2017 | Yes |
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| In XX/XX/XXXX I began dealing with a man claiming to be a vendor for equipment for my business. I was told that in order to purchase the equipment I needed to set up a merchant services account. On XX/XX/XXXX plans were made for me to pick up the equipment 700 miles from home. At that point I gave my banking information in order to set up this account. Upon arrival to pick up the equipment I discovered it did not exist. I called my bank to ask them to put a block on my account because I was afraid this man would try to draft my account for equipment I did not purchase. After driving the 700 miles back home I checked my account just for my peace of mind and discovered that he HAD. My bank account was in the negative. It was late in the evening so I went online and chose the online chat option for dispute. I was assured that a dispute was put in place. The next morning I went into my bank to make sure the dispute was filed. I was told that it had been more than 24 hours since the draft had taken place so they would not file a dispute. It had actually been within the 24 hour period but they told me that at XXXX XXXX they consider your 24 hours over. I was promised that my case would be sent to escalations. It has been weeks. I 've spent hours on the phone, emails back and forth with the escalations departments getting the same answers over and over. A police report was filed 2 weeks ago and the report number sent to the escalations department at the request of the last woman I spoke with. The police called and asked me to file a FBI report as well, based on the complexity of the fraud. All of this has been reported to my bank. They still refuse to refund my money and have added overdraft fees continually throughout this process. They are also charging a daily fee for my account being in the negative. The branch manager has removed some of the fees but not all : just what she was allowed in her position. The merchant services company that I was told I was working through was named XXXX XXXX. The charges have been made by a company called XXXX XXXX. I have also called this company repeatedly to no avail. I am told a case is set up and being investigated and will receive an email 5 minutes later stating that my case has been closed. In the police report it is stated it is stated that this is the most sophisticated case of fraud within the company that the investigator has seen. This is why I was encouraged to file a FBI complaint. As it turns out the " vendor '' for my equipment is an agent for XXXX XXXX. | ||||||
| 12/09/2019 | Yes |
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| XXXX XX/XX/XXXX I first opened a business account with PNC in XXXX. My business is a typical retail brick and mortar store. In XXXX, I also moved my merchant account to PNC. In XXXX of XXXX, I received notice that PNC would close my business checking account due to high-risk activity. As a small part of the business, I had been doing a small amount of money transfer services since XXXX. Never was I told that this was not allowed or that it would cause any problem with my business account. But rather than giving me a chance to remedy the problem, PNC unilaterally closed my account. As of XXXX of XXXX, I stopped offering money transfer services at my business. At that time, I was concerned about the merchant account, which is a separate account with PNC that allows us to accept credit cards as payment, so I called specifically to ask about this. I asked if this would affect my merchant account. I was told that it would not, and that I could keep the merchant account. I would only have to change the bank that accepts the deposits. So I did just that. Six months later, PNC closed my merchant account, WITHOUT NOTICE OR WARNING! This cost me several thousand dollars in potential sales, plus about {$800.00} to set up a new service with short notice. Furthermore, they refused to process {$230.00} worth of sales with had gone through before I was cut off. When I inquired as to why the account was closed, I was told that PNC requested that it be closed ( apparently because they had closed the other account six months earlier ). No real reason was given, and I had never used the merchant account for activities related to money transfer services, nor had I ever had a charge back or other violation of the terms of the contract. The contract I signed is three year agreement. After checking it, I found nothing that allows PNC to close my account just because PNC had closed an unrelated account several months prior. In my view this is breach of contract. Their blatant disregard for customers nearly put me out of business after eight years of hard work and sacrifice. Words can not express how deeply offended I am and their underhanded and unethical business practices. They do no deserve to be in business at all. If I treated my customers like that, I would not have any customers. I believe PNC should compensate me for their indiscretion, as well as compensate me for lost sales, the charges that were not processed, and the cost of setting up a new services. I seek {$15000.00} in damages. XXXX XXXX XXXX XXXX | ||||||
| 03/29/2018 | Yes |
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| I currently have a {$100000.00} HELOC account with PNC Bank. As of XX/XX/XXXX, my balance owed was {$83000.00}. I made {$55000.00} in payments spread across a few payment dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PNC, during a computer system update, appears to have lost all of those payments. They do show them as being made, but then they reverse them a few times so I end up owing {$83000.00} as of XX/XX/XXXX and throughout the entire month of XX/XX/XXXX. So the issues I have with PNC Bank are : 1 ) They posted, but then reversed, {$55000.00} of my payments made over the last month. Therefore, they have " lost '' over $ 55k of my money. This is a concern. 2 ) The XX/XX/XXXX statement that they sent me indicates that in addition to the above incorrectly-lost principle that they say I still owe, I also owe the following : {$470.00} past due from my XX/XX/XXXXstatement ( a payment I obviously already made ) which included both interest and principal amounts, a {$50.00} late fee for not paying last month, {$500.00} for my XX/XX/XXXX statement. The XX/XX/XXXXstatement of {$500.00} includes 30 days of interest on {$83000.00} ( plus 3 additional days of interest at a slightly higher amount ) which is {$240.00}. This is significant over-billing for XX/XX/XXXX's interest, approximately 3 times higher than it should be, because they never lowered the principal balance remaining on my account after my {$55000.00} in payments. 3 ) I contacted PNC approximately 4-5 times over the past month to try to fix these issues. I was told the issue was known and it would be fixed quickly. Once I received my statement on Monday, XX/XX/XXXX, I called to have my account reviewed. My account was not reviewed. I was told that the statement can not be fixed or updated until maybe next month and I owed what it said I owed, even though the PNC representative agreed that my principal should have been lower during the statement. 4 ) None of the PNC representatives, including the Escalation Team representative XXXX XXXX, was able to tell me how much I should actually pay by the XX/XX/XXXX due date other than asking me to overpay based on the incorrect statement. None were able to properly calculate a true amount owed. They asked me questions such as, " What is the interest start date on the statement you have? ". Well, why would you need to ask me that, isn't it in your records? And, your monthly statement does not actually list that date, don't you know that? ( I will attach the statement in question to this complaint. ) | ||||||
| 10/15/2021 | Yes |
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| I had applied for a Lease Buyout Loan from PNC Bank online on Thursday, XX/XX/XXXX and had to go to my local PNC branch on Friday, XX/XX/XXXX to complete the loan closing paperwork. The original loan was for the amount of {$29000.00} and a check to payoff the existing lease was to be mailed out overnight once the paperwork was completed by PNC Bank. Several weeks went by and I contacted the leasing company and they confirmed that the payoff check has not arrived. After speaking to XXXX XXXX at the PNC Branch, said that the check was sent via regular mail and not overnight, as the original PNC Loan information asked for an " Overnight Address '' to send the check. She had me sign an indemnification form before they would issue a new check, and a new check was to be overnighted again on Thursday XX/XX/XXXX. In contacting the leasing company, XXXX XXXX, the new check was received Friday, XX/XX/XXXX. However, between Friday XX/XX/XXXX and Friday XX/XX/XXXX, 3 weeks, I incurred interest charges on the auto loan in upwards of {$150.00} dollars, while I was not at fault as PNC was handling the payoff of the existing lease to transfer it to a PNC Loan. I have been emailing the local branch, calling their customer support number, and receive weekly calls every Friday between XXXX and XXXX XXXX with the representative stating they are still looking into the issue. I feel that this issue should have been resolved as it has been several months now, and nobody is making any progress on it. I feel that if the check got lost in the mail and a new one had to be reissued, and a paper had to be signed by me before reissuing a new check, that I should not be responsible for those interest charges when it was at the fault of PNC bank. The new check was received by XXXX XXXX on Friday XX/XX/XXXX and they released the title to PNC bank the following Monday, XX/XX/XXXX. I would find it acceptable to start charging the customer interest once the check was mailed or arrived, not while it was lost in limbo for 3 weeks. If they had given me the money to pay the lease off up front, then yes, I would find it acceptable to charge me interest, but PNC handled all of this on their end. I have spoke to several customer service representatives throughout the past few months and this issue is still not resolved. I have since traded my vehicle in as I ordered a new vehicle, so this loan should technically be paid off by the dealership at this point, or soon to be, so I should get an adjustment check back for the interest. | ||||||
| 04/21/2021 | Yes |
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| Mine and my daughter 's PNC bank account back in XX/XX/XXXX had an unauthorized user deposit 2 fraudulent checks ( XXXX and XXXX - made out to my daughter ) buy setting up their own mobile account under my account number. PNC allowed the checks ( that look like clip art and had NO signatures on the back ) to clear. After quickly clearing, the person named XXXX XXXX ( Tenn. address - I live in PA my daughter in WI at the time ) proceeded to XXXX, XXXXXXXX XXXX XXXX etc this money from my account. PNC, after these transactions/pay outs already went through, realized these checks were fraudulent and returned them. At this time, it made my account in the negative and am being told now that they can not determine fraud, so I am responsible for the fraudulent depositing of these checks and all the money this XXXX XXXX paid out. Please note, PNC did not contact me re this. I only became aware of this when I got a collection letter in the mail dated XX/XX/XXXX. I was unaware of this situation until this letter ( as at this time, the account had been closed because my daughter was moving to Fla and there was no PNC branch. Upon receiving the letter I immediately went to my local branch in XXXX XXXX and spoke to a XXXX and her mgr. The told me, PNC returned the checks because they did realized they were fraudulent. But unfortunately they couldn't help me. That night, I contacted the Police, filed a police report # XXXX. I made multiple calls to many departments of PNC trying to get someone to help file a fraud dispute/claim, only to be transferred to collections each and every time. I spoke to a XXXX, XXXX ( female ), XXXX, XXXX to name a few. Finally I contacted the CEO of PNC who had his customer relations person email me - XXXX XXXX. She has told me that they had an investigator who could look into this, but dont expect to have my name cleared or be un-responsible as " they really cant investigate mobile on line fraud and that my daughter must have given out her info and caused this. That is untrue & unfounded and because she said we wont be able to prove it, we are responsible. XXXX has since informed me that my 2 claims out of 3 ( ( XXXXXXXX XXXX XXXX XXXX ) have been denied and that I will responsible and to expect the same for the 3rd claim. It has already damaged my credit and my ability to purchase a car recently. I am the victim in this situation, Ive been deemed guilty, told I have committed fraud and there is no evidence that I have done this, nor did I deposit these fraudulent checks. | ||||||
| 12/16/2020 | Yes |
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| It all started on XX/XX/XXXX, around XXXX. XXXX from PNC collection agency called my place of employment. My coworker text me and he left a message for me to call him back. I called XXXX around XXXX, asking to state the purpose of the call and why did he call my place of employment. He asked me to prove my identity and I'm told him absolutely not because I did not know what the call was regarding. I told him that I would not identify myself until he told me who he was, company he worked for, and what was the purpose of the call. He become unprofessional and hung up on me. Next call was from a lady name XXXX, she was a little more helpful. She did explain that she could not tell me what the call was regarding due to laws, however, I did tell her until I know what the call was regarding I could not say yes or no to identifying myself. We went back and forth for a while until she decided to tell me what company was trying to collect said debt. It was XXXX XXXX loan. We worked out an arrangement and she was going to get back to me .I asked for a settlement of XXXX, XXXX XXXX wanted XXXX plus, and I was going to pay XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX called to follow up XXXX XXXX and I arrangement. We discussed another settlement in the amount {$800.00}, he said he would call client XXXX XXXX to ask for that amount. PNC called me back several times after ( I have voicemails ) and today XX/XX/XXXX, I was finally able to call them back and XXXX answered. She told me company will settle for {$1000.00} and to get some type of card on file for the XX/XX/XXXX payment. I told her that I am not putting card on file and that we can take care of everything next month. She said that I would have to speak with her manager. I said ok. XXXX get on the phone and proceeded to say that he was unaware that I was going to pay in XXXX. I told him yes, that was the arrangement. He said he would not be able to accept that because it a month out and it needed to get taken care of this month. I told him that was not possible. He asked if I could pay {$72.00}. I said, no. He begin to say that the offer would not exist next month and I told him to give me a call next month and we can work it out then. He then got upset, his tone changed, and his volume raised. So did mine. We went back and forth for a couple minutes. I asked him what is he trying to accomplish by taunting me about not paying anything today. He said that there would be a lawsuit and what not and I said, " if it has to be one then ", ok bye. | ||||||
| 01/25/2017 | Yes |
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Web | Older American |
| My wife and I have several IRAs with PNC Bank. We have had trouble with this bank when we moved because they can not get a simple address change done. Apparently when the address is changed it does not get to all their systems, and they continue to send statements to an old address. The current address problem started when we moved and changed our address in approximately XX/XX/XXXX or XX/XX/2013. PNC assured us several times that the address change was done on all of our accounts, however they continued to have the old address on some accounts, and sent out mail to our old address. This involved numerous calls to PNC customer service and at least two corporate complaints, and hours of frustration for my wife and me. Each time they " assure '' us that they have the correct address on all accounts. The problem with that is our statement ( s ) are mailed to the old address, which is a highly concerning security issue with us. This year our end of the year statements arrived on all our IRAs except for one of my accounts. My wife called PNC IRA department, this month with my permission to discuss and handle anything regarding my accounts, and they still showed the old address from XX/XX/2013 on this account! My wife handles our business and I always give the bank verbal permission on the phone for them to talk to my wife. We have been trying for 4 years to get this right! We have again complained to PNC and have been assured someone will call my wife back to let us know the problem is resolved, but they have not. A follow up call still did not get a response. With our experience in the past 4 years, we doubt that they will get it resolved. Four years is a long time to have something as basic as an address change not done correctly. The problem has to be systemic. The problems in the past have sometimes been explained as caused by the fact that we have a P O Box. We have always given our home address which we understand the bank must have for their records, however we have requested all our mail go to our P O box. Another time they said the change did not get done in the IRA department. Other times, no explanation was given. The formal complaint I have done this year with PNC has a complaint number, which we can provide to you otherwise in this process, to protect our privacy. I urge you to investigate this thoroughly because if we have such a chronic problem with PNC address changes, other people must be having the same problem. I give permission to your agency to discuss this complaint with my wife. | ||||||
| 12/21/2018 | Yes |
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| PNC bank exploited my youth and inexperience along with XXXX XXXX XXXX XXXX XXXX to purchased this car a XXXX XXXX XXXX during the month of XXXX, XXXX. As a young first time buyer of a vehicle they sought to undermine, manipulate, and exploit my youth against my better judgement all for the sale. As a matter of fact, I shouldn't have been allowed to purchase such a car with 'little ' to no credit history. The sale price of the car was in excess of {$20000.00} dollars not adding sales tax, etc. XXXX 's XXXX XXXX felt that PNC Bank would be a good bank to finance my car. This is when the issues began for me. PNC Bank charged my 24 % interest rate for this vehicle knowing full well this wouldn't be suffice for my income and amount of wages I was incurring working at XXXX XXXX XXXX. For the record, I couldn't make those payments of {$370.00} a month with an interest rate of 24 % percent and insurance for the car at nearly the same amount of {$350.00} a month. Based solely on financing options and how the discriminatory practices of PNC bank from as far back as XXXX.It wasn't going to be a good fit for my income and wages. Not only did I sought to ask for a price reduction and interest rate PNC bank refused to listen and as a result my car was repossessed for no keeping up with the payments. After receiving several notices and warnings about missed payments it was clear the car would have to be returned solely for a re-sale. PNC bank not only failed to recoup the amount of the car but instead sold it for a lower price only to cause me financial hardship and attempts to ruin my credit. As a young XXXX year old, I was completely blinded by these tactics used by car dealerships and bank at my peril. PNC bank has a fiduciary responsibility to ensure my fair and impartial sale of the vehicle of which I whole heartily believe used me for financial gains for the dealership with the interest rate based on my inability to pay and my need to have a car. This is unfortunately been the practices of PNC with its partnership with XXXX XXXX XXXX XXXX, Maryland XXXX. These types of unfair practices must be STOPPED. Now my credit is being destroyed at the moment and the account has been referred to a collection agency namely " XXXX XXXX XXXX '' which is the extension of " XXXX XXXX, XXXX '' which to me are the same company attempting to undermine the public through unfair practices of bullying, harassment, and coercive practice and violating laws in Maryland called " blue laws '' this must stop as well. | ||||||
| 02/12/2018 | Yes |
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| I graduated high school in 2012, and I was in search for a job. I found a summer job on XXXX before, and worked there for quite some time. ( XXXX XXXX XXXX XXXX ) I figured I could find another job in addition to my current job on XXXX again. I was contacted by a family on XXXX who had a child who was wheel-chair bound. I corresponded with the family for a few days in regards to employment as a nanny for the family. I was told that they were moving from another state, to the current state I am in. They needed help with the child while moving. The family told me they bought a new wheel chair for the child and needed it to be picked up and already home by the time they got in. The story the family told me made sense, and are the regular duties a family would ask a nanny. Once I received the check, which was sent over-night, I was instructed to cash it, then send the money to the child 's wheel chair makers for payment, and delivery of the chair. I had an account with PNC bank. I had a particular bank I would always go to. PNC Bank XXXX XXXX XXXX, Ga XXXX. Before I cashed the check, I went to PNC, and asked a teller I was familiar with about the check I received from the family. I told the teller the back story, and asked if he could determine if it was a fraud check or not. He instructed me that a determination of a fraudulent could not be made by looking at it. The only way I would know is if I placed the check in my account, and the money from the sender did not cover the amount on written on the check. I contacted by the family again with arrival dates and times. I figured it was legit because I we set up a meeting place, etc. I can not recall the exact amount the check was for, but it was less then 5,000. The next day I went back to the PNC to cash the check. The check cleared a few days later, and a few more days later I was contacted by PNC that my account was shut down because of fraudulent activity. I called and explained to PNC that I had no idea, and that I'm a nanny that was looking for a job. I was told by the fraud department that it was a man named XXXX XXXX. The check was written from a closed account. I was told I had to pay the money back that my account went negative for. I told them the money went to another account via XXXX XXXX XXXX. ( The wheel chair makers account ) I am now XXXX, and this still haunts me. I can not open a personal bank account due to a scammer. I was young and XXXX, but also a target, because the scammers constructed a plan based on my resume on XXXX. | ||||||
| 02/02/2022 | Yes |
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| I applied with PNC Bank to refinance my mortgage at a 2.1 interest rate. Four months into the application process I asked to terminate the application process because I felt that I was being harassed and discriminated against. At the beginning of the application process, I gave Pnc all documents they required to start the application process. They sent out an appraiser to appraise the house who appraised the house for a lessor amount than I felt that the house would appraise for. PNC advised me that because my house did not appraise for what I had thought they countered a different offer than the initial 2.1 % and closing cost. Which was a 2.67 % with closing cost. I was told that 20 % of my existing loan should be paid down to reflect that 20 % of what the house was appraised for should be paid for me to be elicitable for the 2.1 % interest rate. So, I agreed to the counteroffer of 2.67 with closing cost. PNC then advised me because it was past a certain time frame, they would have to recheck my credit. I agreed to allow PNC to recheck my credit. After they checked my credit, I was given a counteroffer for 2.75 % with a closing of XXXX dollars at closing because I had a XXXXcredit score which was the high score, and the middle and lowest scores was a XXXX and a XXXX. I was advised by PNC that the lower scores had been reported by a 3rd agency factual data. I advised PNC that the lower scores were not accurate. I also advise them that I knew this because if have separate individual accounts with all credit reporting agencies and I can access all accounts to prove that the scores that factual data provided was not accurate. At this point I'm extremely frustrated with the process but because of the frustration I agreed to the counteroffer. After I agreed PNC asked me to prove where the money was coming from after I had given them all bank accounts, sign a 4506C so they can check my taxes with the IRS. With all of the frustration that I was feeling at that point I gave them my bank statement and I signed another 4506C so that they can check XXXX, XXXX, XXXX, XXXX and XXXX. After I gave PNC this information they then came back and asked me to send them my bank account information with the URL attached to it or to have a representative from my bank to date, sign and stamp the document by next day. Which would not have been a problem if it wasn't XXXX Friday when they requested the documents. At that point I asked to not move forward because I was being harrowed and discriminated against. | ||||||
| 10/28/2016 | Yes |
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| Virtually the exact same problem as the post from XXXX 2016 from a different person. " XXXX XXXX XXXX, XXXX a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, XXXX has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. XXXX 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and XXXX XXXX XXXX, XXXX for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and XXXX knows that which is how they get away with their. They need to be STOPPED! '' | ||||||
| 08/16/2016 | Yes |
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| On XX/XX/2016 at XXXX I entered my local PNC branch located at XXXX XXXX Florida XXXX. I was there to make 3 separate transactions. The first transaction was to deposit checks in the amount of XXXX into my business account. The second transaction was to cash a check in the amount of XXXX The third transaction was to exchange XXXX in small denominations for XXXX in XXXX. The teller took the checks, and cash behind the window. As I waited for my transactions the branch manager and I talked for a few minutes. I saw the money machine dispense cash and the teller walked over and grabbed it, then walked over to me. She gave me my deposit receipt that I have attached here, and she counted out XXXX XXXX bills in the amount of XXXX. She asked if I wanted a envelope and I said yes. She gave me the envelope. I walked out of the bank never receiving my last transaction which was XXXX in XXXX bills. I went about my busy day and went home. I counted my money when I got home and realized I was XXXX short. It suddenly came to me that the teller never completed my third transaction, and I was never handed the XXXX. By then it was too late to call the bank. I waited until the next day, XX/XX/2016, and as soon as the bank opened I walked in and asked to speak to a manager. No one was available. I explained to the employee what took place. I was told I would be contacted. I was contacted later that day by the branch manager and was told I would be contacted Monday, XXXX. I was never called. I called the bank at XXXX and was told that the branch will have a security man look at the video the following day which was XXXX. I received a call from the bank on XXXX. I was told that the tellers till was accurate and that no action will be taken regarding my missing money. I drove to the bank to speak to the manager. She has a brief meeting with another teller before I was asked to enter the office. I was told that no action would be taken on my behalf. I asked about the video and the manager and her assistant told me that the video showed the teller counting out XXXX XXXX bills. I asked to see the video, and I asked for some documentation stating that a professional reviewed the video and that I was handed XXXX. I was told that they could not help me. I contacted PNC cooperate office and was told that I have to wait several business days prior to any information pertaining to this matter. I was never given the XXXX that the teller took behind the counter to exchange for larger bills. | ||||||
| 03/14/2017 | Yes |
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| I called last month to PNC Bank to make sure that no direct debit out of my account since I do n't have any money in the account. Below is also the communication I had with one of their customer service team. { Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. Hello, this is XXXX. Thank you for choosing to use our online chat service. XXXX : Good Morning and welcome to PNC Chat! I 'm a Chat Consultant located in XXXX, PA. How may I help you today XXXX : I have not heard from you for a few moments. Are you still with me? XXXX : Hi, I want to make sure that PNC will not allow any payment request made in the checking account, since I do n't have any fund in the account. I do n't want to get charged insufficient fund fees XXXX : Hi XXXX, I would be more than happy to look into that request for you! Did you set up a payment to another company from your Checking Account? If so, how much was it and when was it done? XXXX : not that I am aware of XXXX : just make sure or post a note on the account that no payment is allowed until further notice. can you do that for me? XXXX : Sorry, are you expecting a payment to post to your account? I see that you are Opted Out of Overdraft Coverage, which means that you have not given PNC authorization to pay ATM and one-time debit card transactions into overdraft. This does not include checks, recurring debit card payments, non-PIN based debit card transactions or ACH debits where you have made and agreement with a merchant. XXXX : If a transaction comes through that is a check, pre-authorized payments and non-PIN debit card purchases may be presented to the account even if there are not funds. XXXX : no check will come through for now XXXX : Perfect! As long as nothing is scheduled to come through the account then you should be all set! In the case that an unauthorized transaction comes through, we can dispute that transaction and add all fees to the dispute to reimburse you. XXXX : ok thanks! XXXX : You 're welcome! May I address any additional concerns today in chat XXXX? XXXX : I am all set. thanks } I also called the merchant to do the same as well. However, PNC still allow the transaction to go through not once but 3x. In the process to charge me insufficient fund fee, returned fee. Does n't bank has a fiduciary duty to their bank account customers? So what I ever I requested on my account has no baring to what the bank want to do to make money. | ||||||
| 11/17/2015 | Yes |
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| XXXX XXXX was in review for a loan modification with all documentation submitted to the lender on XX/XX/2015. On XX/XX/XXXX XXXX from PNC called our office and stated that their institution was in need of a paycheck stub dated for XX/XX/XXXX as the one they had was cut off. She made it very clear that this paycheck stub dated XX/XX/XXXX was the only one to be submitted and was the only document needed. She did confirm the deadline for this document to be received was XX/XX/XXXX. The paycheck stub was sent to PNC on XX/XX/XXXX. Our office followed up and it was confirmed the paycheck stub was received. XXXX XXXX our office spoke with XXXX who stated that there was not a complete package and stated he did n't know what was missing the call was dropped. When our office called back it stated their institution was closed. On XX/XX/XXXX our office spoke to XXXX id XXXX in Florida loss mitigation. She stated the file was closed out on XX/XX/XXXX because the following documents were not received - bank statements for XX/XX/XXXX for account number XXXX, XXXX, missing utility, missing employment letter missing hardship verification. I asked her when these documents were requested as we had called on a weekly basis and never once were these items requested. In fact, I informed her their office called us on XX/XX/XXXX and only requested the paycheck stub. She confirmed XXXX called us, but stated XXXX only documented the account with her informing us of the missing item. XXXX failed to properly notate the account as to what was requested ( as she was adamant only pay stubs were needed ) and failed to do her job properly as now there is conflicting information. Calls are recorded for quality and we are demanding that that could be pulled so we can confirm that she failed to provide accurate information. Furthermore it is obvious that PNC purposely provided inaccurate information so XXXX XXXX file could be removed from loss mitigation. The number of times that we communicated with PNC to check status of the file should extinguish any opportunity to excuse PNC 's behavior. It is very apparent that PNC employees are negligent and that PNC is denying this file and discriminating against XXXX XXXX based on his race, ethnicity, language, and national origin. They would rather foreclose on his property then do a proper review of his file. We are demanding that the sale date scheduled for XXXX be postponed or XXXX XXXX will assert his legal right and name PNC Mortgage and XXXX as defendants in civil court. | ||||||
| 08/14/2023 | Yes |
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| There are numerous of charges that have been assessed to my checking account that I did not that I did not authorize I have contacted a bank and I have to have let them know about these charges and as of today that has not been any resolution There have been a few shots There a few items that have been returned back to me saying that they found no error One of them is with XXXX so the charges equal up to almost {$1000.00} where someone use my card or use my information I don't know how they did it and went in back to back on one day and charged up {$1000.00} almost {$1000.00} worth of merchandise at the same store It was not me I would never have went into XXXX and charged me before {$400.00} charge of {$150000.00} I wouldn't have never done that at the same store in one dayI was in XXXX shopping 4 days prior to these charges taking place and and purchased {$1200.00} worth of items because I didn't dispute all the items on my credit on my statement they are saying that they refuse to refund me back the items that would were were placed on my account that were fraudulent and not me there are other charges that are to my account that I am still waiting for resolution for one charge is for {$44000.00} which was supposed to be one transaction well this was not one transaction this was two transactions and they should have been reported separatelyOne for {$33000.00} XXXX There's {$170.00} that is missing that is unaccounted for I would like that money backI would just like for my bank to be transparent and their reviews I've asked for reports of information that was finding and I still have not received those reports as of todayThat was that would put me as the person who has made these charges There's a charge for {$180.00} from XXXX This is not this is not my charge It isn't even a part of my XXXX account and I've asked for that money back alsoI have no access to my online account nor am I receiving statements through emailmonthly because I don't have access to my online account the statements that they do send I'm unable to view because I can not get on my online account which I've explained that to them therefore I am unable to check my statements regularly to see if there's any kind of activity going on that I am unaware of I think that is unfair I should be able to get access to my statements monthly so that I can monitor my account and be able to stay on top of it also I have been assessed fees when I'm using the bank branch ATM machines I want that money return back to my account | ||||||
| 05/17/2017 | Yes |
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| On or about XXXX XXXX , 2016, I requested in writing for PNC Bank to stop contacting by phone and only communicate in writing. Since that time I have been contacted on several occasions. The last being less than a week ago. I attempted to escalate the matter to the supervisor XXXX , however I was only transferred to a voice mail. Again no reply from t he Supervisor XXXX . I attempted to speak to XXXX 's manager, however they will only transfer you to XXXX . All of the representatives will not transfer you past a supervisor. This in it 's own right is suspect as I was told duri ng one call that m y phone # was removed for calls, however it was later added back to the account. Yesterday I spoke with a Vice President on th e escalation team XXXX XXXX . Her best defense is that PNC cant find the letter requesti ng PNC ce ase contact. While I appreciate XXXX XXXX 's position that PNC ca n't locate this letter, it does not negate the fact that PNC is in possession of the letter. If PNC lost the letter, appended the letter to an incorrect account, or threw it in the trash. None of these reasons or excuses are acceptable. I informed XXXX XXXX of my intent to file this complaint. She asked that I resend the letter. I refused to do so. I do not want PNC to have the excuse that they " just received '' the letter, when in fact they received the letter in XXXX of 2016. One would think that a bank like PNC would operate with common sense. A customer has told many of your staff that he does not wish to be contacted, Has sent in a letter demanding PNC stop calls, and as a last ditch effort communicate with the Vice President of your Escalated Complaints Team. But NO.. The day after my conversation with XXXX XXXX , the harassment starts again. More calls from PNC. When I attempted to advise the caller that I was in contact with XXXX XXXX , the representative refused to look up XXXX XXXX in the directory she has available and even refused to provide an employee or agent ID. I respectfully request the CFPB as well as the OCC fully engage an investigation into PNC 's business practices and their failure to adhere to Federal and State Laws. Considering the way in which PNC handles their Cease Communications Requests, I can not believe I am the only customer who 's letters are " not on record ''. I believe this to me a willful attempt by PNC to avoid adhering to consumers requests. Thank you in advance for your time and review of this matter. | ||||||
| 09/12/2022 | Yes |
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| For 8+ years I have banked with PNC as our business banker ( with checking, credit cards, and savings accounts ) as well a another business and personal savings account. On XX/XX/XXXX without notice PNC made the decision to close all accounts associated with me. My business partner who happened to be discussing utilizing some of their products found out by chance that our account had been flagged and when asked for an explanation was transferred to someone who said it was a decision the bank had made and would offer no further explanation. At this time our clients were trying to submit payments into our accounts and had their payments returned. We had no opportunity to use our business account or accept payments any further as the account was closed. At the time I checked my other business and personal savings accounts and saw that everything looked normal... It was not until XX/XX/XXXX that I received a text alert that my account was closed and my Balance zero. I immediately went into my local branch where they manager explained all accounts associated to me had been closed, I could not access my funds and there was no explanation why. I was given case numbers for all accounts and called on each only to be told the standard script " the bank had made the decision to no longer do business with me and did not need to explain why '' my remaining balance in my accounts would not be available until they processed all payments and then would send me a check in the mail. I then went back to branch manager where we have had a 8 year relationship to get further answers and explained the entire process felt discriminatory and I would be considering legal action. He promised to do his best to see if i could get my funds released and would escalate my complaint for further action on Friday XXXX I spoke with XXXX XXXX at XXXX a case manager who again offered no additional explanation for my account closers and said " you cant get your money because you can't '' I have been prevented from operating our businesses, had my money withheld, and given no explanation as to why this action has been taken against me. In 8 years of this banking relationship we have never had any questionable transactions or even requests for refunds. I am a business coach - I am extremely concerned about the reason for this decision and the impact it could have on my future banking as well my reputation with my clients. As an XXXX XXXX this seems like the highest form of discrimination and unjust client exclusion. | ||||||
| 09/13/2015 | Yes |
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| My mortgage company is PNC. I have been a homeowner for 16 years with them and have never been late on my mortgage. I have my insurance and taxes as part of the escrow. A few years back I contacted them to see if I could refinance to get a lower rate. They sent someone out to the house, charged me XXXX and then told me that i could not refinance and my house was only worth a certain amount. The town in which i lived had the house assessed at double what the mortgage company was telling me my house was worth. Fast forward to this year, I asked the mortgage company if I could apply for a deed in lieu or a short sale due to the reasons of my husband passing away and my working in another state and the house sitting empty. At first, they told me that I was approved for a deed in lieu, took a lot of information from me and then the whole summer is spent with me putting my belongings in storage, all the while waiting for them to give me the next step of directions, only to be told at the end of the summer that i do not qualify for a deed in lieu or a short sale because my mortage is current. I told them that I had a letter proving that they told me that i had been approved and of course the mortgage is current, because I wanted to do the responsible thing and was awaiting to hear from them to tell me to stop payment. The person I was speaking to told me that they would not ask me to do that, even though I believe that would have been the only way I might have been approved. As I am trying to move on with my life in another state, I find that my hands are tied to seek out another home to buy. they sent me their official letter stating their reasons for denial and an address and number if I wanted to complain. The number was not yours. I found out about you through the article in XXXX magazine. I have spoken with a friend here in Maine who is a real estate lawyer and she was surprised that they had approved me for the deed in lieu. She suggested that i put the house on the market for the amount the town has it assessed at. So now, I get a copy of my mortgage statement which they send every month, even though I have direct deposit to them and as I am reading the breakdown on the statement, it says that my monthly payment of XXXX was received on XXXX/XXXX/2015 and that the payment to the principal was only XXXX! How can that be? My monthly payment is paying more for interest, insurance and taxes than the principal! Something is not right here. I would appreciate some advise and your help. | ||||||
| 07/17/2022 | Yes |
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| PNC purchased BBVA Compass Bank I have ( XXXX ) issues that I need the CFPB to me resolve. I have been a mortgage holder with BBVA since XX/XX/2015. I never once missed a payment or not received statements. Once PNC took over the mortgage account, Issue number ( XXXX ) : PNC cancelled ACH off my account causing my payment to go ( 60 ) days late. When I was made aware my mortgage was cancelled off my account by viewing my credit report, I called immediately asking how ACH was removed, they stated someone called and cancelled, I advised I never called and cancelled and requested they pull the call because this has adversely affected me, they stated they could not. In that moment on that call I then paid ( XXXX ) months of payments and explained I have been a mortgage holder since 2015 and I have never once been ( XXXX ) days late. Issue number ( XXXX ) : I had not received any mortgage statements from PNC bank failing to notify me of account changes or receive statements on the account. Per section XXXX Periodic statements for residential mortgage loans. Section ( XXXX ) Periodic statements. A servicer of a transaction subject to this section shall provide the consumer, for each billing cycle, a periodic statement meeting the requirements of paragraphs ( b ), ( c ), and ( d ) of this section. As well, per section ( b ) Notices of transfer of loan servicing ( XXXX ) Requirement for notice. Except as provided in paragraph ( b ) ( XXXX ) of this section, each transferor servicer and transferee servicer of any mortgage loan shall provide to the borrower a notice of transfer for any assignment, sale, or transfer of the servicing of the mortgage loan. Due to PNC & BBVA transition in ownership, their systems failure to communicate and properly merge all account information, I am wrongly affected by : ( XXXX ) having ACH cancelled off my account due to PNC systems not communicating and me not being notified ( XXXX ) not receiving any legal, account or ownership correspondence from PNC. I was never notified via mail, phone call or any attempt at all. I am requesting ( XXXX ) day lates be removed off all credit bureaus immediately, as this has caused an extreme financial hardship that is due to PNC, not me. I have spoke with their escalations team, I have conducted research and found many PNC customers have had issues since the merge of BBVA and PNC and I am not the only XXXX adversely affected. Thank you kindly for your help & all of blessings to you, XXXX XXXX | ||||||
| 12/21/2018 | Yes |
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| Good Morning, My name is XXXX XXXX and was a co-signor on a Line of credit ( unsecured ) with another individual, XXXX XXXX. Th Bank Involved : PNC He and I used the LOC for business expenses associated with a Company we both owned at the time. However, this a personal LOC and not a business loan. The amount was {$150000.00}. Bank : PNC Loan number : XXXX Persons involved : XXXX XXXX ( co loan guarantor ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX PNC co-signer XXXX XXXX ( PNC Branch manager XXXX ) In XX/XX/XXXX I left the co-owned company and filed suit against my business partner when I left. As the personal LOC was used for the business, XXXX XXXX used the Company to continue to make payments on the personal loan. Then, in XX/XX/XXXX XXXX XXXX entered into an Agreement ( without my knowledge, signature, or any form of written consent i.e. email notification, settlement agreement or anything ) with PNC to pay half the Loan off ( {$75000.00} ) and charge off the rest ( {$75000.00} ). Again, I never gave consent for any of this. I was then informed in XX/XX/XXXX that my credit report ( XXXX ) had me listed on the loan with the charge off when I applied for a mortgage on a new home. It has been reported to the credit agencies that I was involved with the charge. I repeatedly attempted to contact XXXX XXXX and XXXX XXXX ( both from PNC ) involved with this charge off settlement I had no knowledge off. They NEVER responded. I filed a complaint with PNC and nothing was changed in my credit report. I also have a signed sworn affidavit ( which I am uploading to this complaint ) by XXXX XXXX that without XXXX XXXX ( XXXX XXXX XXXX knowledge or consent, I ( XXXX XXXX ) negotiated a reduction in the payoff amount line of credit with PNC bank, which PNC accepted My credit has now been ruined, caused by a unilateral action between PNC and XXXX XXXX without my knowledge or consent on an action that has materially harmed me in not qualifying for a home loan. Had I been informed or copied on emails Mr. XXXX and Ms. XXXX XXXX Of such negotiations I would have never agreed to this unilaterally executed Settlement. I contacted PNC XX/XX/XXXX for the last time and spoke to a XXXX XXXX who essentially told me to file with the CFPB. Furthermore I am uploading an email from XXXX XXXX to Mr. XXXX and Ms. XXXX agreeing to accept the Settlement offer which included the charge off without an email, call, letter to include and inform me of this action. | ||||||
| 04/13/2018 | Yes |
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| - I currently have a mortgage with a balance of XXXX as of XX/XX/XXXX, held by PNC - At purchase the home was valued at {$520000.00}, XX/XX/XXXX - Since purchase we spent ~ $ XXXX making updates to the interior including re-arranging the floor plan of the unit to add a walk-in closet to the master suite , opening living room, and adding a 13 ' x 7 ' room with a mounted wardrobe ( closet ) and windows as my son 's nursery - After these updates plus monitoring the market in our neighborhood we believed we were below the 80 % LTV required for PMI removal, a payment of {$120.00} per month - PNC required me to pay {$500.00} to use their recommended appraiser, which I did - PNC sent documentation outlining the value required to remove PMI would be ~ {$560000.00} - The appraiser was unable to accommodate a schedule where I would be home, so we left a key and the appraiser evaluated the unit while I was not home as agreed - The appraisal came in at {$560000.00} and also concluded there was no work completed on the unit - PNC then denied our claim for PMI removal due to the 19.91 % equity and stated that since we did not own the unit for 2 years and they defined no work having been completed we would need to make a principal payment of XXXX {$38000.00} to remove PMI - Our appraised value was within 0.09 % of 80 % LTV and our monthly principal payment is ~ {$730.00} which should allow us to hit the 80 % within a month - I attempted to call PNC on MondayXX/XX/XXXX where they told me the PMI team does not take calls and would respond in writing, the response would be available digitally XX/XX/XXXX if I were to call in - During this call I requested repeatedly to speak with a person who could assist, they declined - I called back Friday XX/XX/XXXX at which point they said the PMI team was 'behind ' and they could not offer a solution - I said I would not accept not speaking to a person with no resolution, they said they put in a request for a supervisor to call me back within 1 business day -- despite not offering this option on Monday - I then said I wanted to wait on hold, that was not an option supervisors were on calls - I then said I would wait for call back however in the mean time I was going to contact possible legal resources and the CFPB at which point they 'escalated ' meaning a more senior person would call me within 7 business days - I am hoping to resolve this quickly, after my XX/XX/XXXX payment I will have 20 % equity in my home based on the PNC appraisal I want PMI removed | ||||||
| 08/22/2023 | Yes |
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Web | Older American |
| I received a letter via USPS on XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX XXXX is a debt collector. Prior to receiving this letter from XXXX XXXX XXXX I had no knowledge of the debt they claim I owe. XXXX XXXX XXXX claims this debt is from my bank, PNC Bank, dated as of XX/XX/XXXX. XXXX XXXX XXXX claims I and my son XXXX XXXX owe PNC Bank XXXX. In XXXX and XXXX of XXXX, I was a victim of identity theft. The person who stole my identity, including my bank data, did so by claiming he could help me manage my money while earning money to pay off debts. He deposited approximately XXXX checks in equal amounts of - I think- {$500.00}. He immediately had me he had me XXXX money to XXXX or XXXX his partners. He told me I would make money by doing so. The very next morning, I checked my PNC checking account only to find I was extremely overdrawn in the thousands of dollars. When I saw this, I first called my bank and went to speak with XXXX at my local PNC in XXXX XXXX, IL. I also notified the XXXX Police Department of the identity theft and filed a report with them. Additionally, I filed notice with the FTC- all on that day. XXXX told me I might have to pay all the debt to my PNC bank, but he was not sure. That day, he notified me that my account had been closed and Id only have to pay approximately {$1000.00} to PNC. I made payments using the new account XXXX set up for me ; I never missed a payment and the debt to PNC was paid in full. I mentioned that XXXX of Ohio included my son XXXX as also owing the same debt. This is odd because I believe XXXX was not listed on my account during that time period. He held and still hold a checking account with XXXX XXXX. I do not recognize this debt from PNC because I already paid off the money that PNC determined I needed to pay back. Prior to receiving this letter from XXXX, I was never contacted by PNC or any other debt collectors regarding this debt. I am unsure of what to do. It is as if this debt materialized out of thin air. I do not recognize this debt as being mine, and neither does my son recognize it as being his, especially because he banks with XXXX. If you could please assist me with instructions on how to deal with this unrecognized debt that XXXX XXXX XXXX claims I owe to PNC Bank, I would appreciate it very much. I honestly do not recognize this debt as being mine or my sons. Thank you very much for offering to help people like me. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX mail to : XXXX XXXX | ||||||
| 07/08/2023 | Yes |
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Web | Servicemember |
| I refinanced my home with Freedom Mortgage XXXXXXXX XXXX XXXX XXXX CA XXXX in XX/XX/XXXX. The cash out from my refinance included repayment of my major debts. Freedom mortgage used a charter company named XXXX XXXXXXXX to complete the debt consolidation portion of my loan. XXXX XXXX mailed me 11 paper checks issued by XXXXXXXX XXXX in the amount of the various account balances. I sent these checks via priority mail to my creditors. Unfortunately, 5 of the 11 checks were intercepted and stolen from the post office. The checks were deposited into an individual account and XXXXXXXX XXXX cleared the funds. XXXX XXXXXXXX alerted me to the fraud and informed me that XXXXXXXX XXXX will not reissue the checks until a fraud investigation has been completed. As part of the investigation, XXXX XXXX is requiring me to send affidavits to the creditors in question and return the affidavit notarized before they reissue the check. The creditors and balances in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX : {$3900.00} XXXX. XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX XXXX : {$520.00} I have contacted the 5 creditors on a weekly basis since the notification in XXXX of XXXX. So far, Ive only gotten a response with the affidavit signed and returned to by one creditor, XXXX XXXX XXXX. Today I am writing as I am exhausted by this requirement by XXXXXXXX XXXX Ive spent over {$300.00} in mailing fees and no result from the 4 remaining companies. I think I am being wronged because I am paying a new higher mortgage payment and Ive yet to receive relief from the debt I had previously. I am including correspondence that I have received back from some of the creditors. This has become a financial burden as I am still paying on these debts and now have a higher mortgage payment. Timeline of events XX/XX/XXXX : Mortgage closed, and checks issued. Checks mailed to creditors and fraud reported. XX/XX/XXXX : I sent a second round of correspondence to my creditors. XX/XX/XXXX : Began paying new mortgage payment. No response from creditors. XX/XX/XXXX : XXXX XXXX made contact but no change in requirement for affidavits. XX/XX/XXXX : XXXX XXXX XXXX returned the affidavit. Provided the affidavit to XXXX XXXXXXXX. XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : XXXX XXXX notified me that XXXX XXXX has agreed to reissue the check for XXXX XXXX XXXX. | ||||||
| 04/08/2020 | Yes |
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| PNC is very disorganized. My husband who I am in the process of divorcing, reached out and spoke to a representative to open a home equity line of credit on my name. He was able to get everything done via phone call and then pressured me to the bank to sign. I was XXXX months XXXX XX/XX/2019 XXXX XXXX and wanted no drama since I had a high risk XXXX. To my understanding the account was on my name so he had no rights to the HELOC. Little to my surprise PNC sent the card the our home address and he created a pin and began using the funds. When I came to know of this, XXXX XXXX XXXX XXXX XXXX XXXX I went to PNC to notify the bank branch. I explained that the charges were not made by me but rather my husband, I went in on a Saturday, XX/XX/2019 to be exact. I was informed that I needed to go back on a business day. I returned to the bank on Monday XX/XX/2019. During my visit and explaining the situation, the representative was more interested in the " juicy '' personal details rather than helping me. The representative went on to state that my husband had gone in the branch and asked for the pin to be reset on the XXXX XXXX card, to which she willfully admitted it was " suspicious '', but yet she went ahead and did it anyway? I was 3 weeks XXXX at this time and living in fear for my life. I asked for the line of credit to be closed and the representative said " we can not close it unless you are paying off the $ XXXX ''. She never guided me to dispute the charges or advised on what steps to take. She did call the XXXX number and tell them the situation, but at no point did ANYONE of PNC advise or help me. I was in an XXXX relationship with a XXXX XXXX XXXX and needed guidance. PNC is a joke and a waste of time. When I finally got my life in order and disputed the charges, the excuse I am getting is that the charges can not be disputed because the PAYMENTS were at one point made form a joint account. What does that have to do with unauthorized charges on my behalf which I reported as soon as I became aware? I have been put through the ringer with PNC, they have not been timely. In fact they have made so many errors. They kept sending statements I was requesting to my husband in Florida. He changed the address on file. I have been trying to get issues corrected, but no one is willing to give me the time of day. As a new, single mother who is working full time to provide for my daughter and myself I have received ZERO empathy or understanding from this company. Such a shame. | ||||||
| 10/14/2015 | Yes |
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| My realtor has initiated a short sale with PNC in XXXX of 2015. Each time she and I have spoken to PNC we have both been given incorrect information pertaining to my loan. She has faxed to over XXXX pieces of requested documentation repeatedly and has been told the file would be submitted for short sale process. She had names, dates, and information logged for each phone call made. PNC did not even have my correct phone number, email, nor bank info which was provided numerous times. Their response is always " we attempted to contact you '' knowing the number was incorrect and continuing to call an incorrect number they had on file. Now I am being told I am eligible for a repayment/loan modification plan which does not make sense as my financial info was submitted ( again numerous times ) and the calculations they are using are not accurate nor correct. They have offered to reduce the monthly mortgage payment from {$2300.00} to {$2000.00} which again I am not able to afford this payment as I am the only individual currently residing in the property with reduced income by more than XXXX %. I am totally frustrated over the lack of communication and disorganization with the reps, team leaders, and supervisors on the phone. They can not even record the phone calls made which my realtor has logged which is telling me they do not keep accurate records and are providing inaccurate info to me. The team leader I spoke to today by the name of XXXX and also the rep by the name of XXXX XXXX ID XXXX both stated the info was not logged and a supervisor would have to pull the conversations and listen to them to verify what was said. At this time, there is a sale date set for XXXX XXXX, 2015 which I was told would be postponed until the offer letter expires on XXXX XXXX. I have no intentions nor can I financially keep this property and therefore have no other option but to pursue a short sale. My next phone call is to HUD which they advised me to contact to further investigate my file regarding pursuing a short sale. I 'm sure I am not the only account holder experiencing issues similar to this with PNC. They are once again the main reason why this file has been delayed since initiation back in XXXX as each time the info relayed is either incorrect or not relayed to where there is an understanding on both sides. Please begin the investigation asap and if need be I can provide updated financial info or whatever necessary documents required on my behalf. Thank you in advance for your time. | ||||||
| 12/08/2016 | Yes |
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| I have had a morgage with PNC for many years - recently I am going through a bankruptcy and was required to do a modification on the loan as i was behind several payments and needed to get the arrearage put back in loan and perhaps lower the interest I have submitted a XXXX page document with everything required then PNC said that the didnt receive a whole bunch of documents that i clearly had faxed to them so I resent all required documents by certified mail signed receipt required - i received the signed receipt back from PNC after several weeks i didnt hear from them so i called them and they said that they never got anything but that they could not contact me as im in bankruptcy PNC is trying to foreclose on this loan and yet every time i submit documents they say they didnt receive them! they also said that they sent a letter to the trustee of the court letting them know what they needed - but the trustee of the court is not the correct place to send that letter - they need to send it to me and my BK attorney they keep saying they cant/ wont talk with me as im in XXXX XXXX my BK attorney has sent them several letters giving them permission to talk directly with me they have now rejected the modification that i submitted XXXX plus pages of paperwork for based on " not getting required documentation " and that i have to resubmit everything frrom scratch eventhough they have a lot of the documentation already on the XX/XX/XXXX there will be a hearing to foreclose on my loan so i am scrambling to get all paperwork together again! i can only think that they are either very inefficient and sign for documents that dont make it into the right department, their emploees do ot know what they are doing as the give me incorrect information or they are manipulating things to deliberately prevent me from getting a modification review so they can foreclose i recently made a payment of XXXX $ to start clearing up my arrearage but they show no kind of helfulness at all to help me in the process of getting the documents to them - in fact they make it as difficult as possible every time i speak to someone there they tell me something different -in deed- last week they told me they had all the paperwork / this week they say they didnt get it! i left a long message to a supervisor on monday asking for help to clarify things -today is wednesday havent heard back - i refuse to lose my home because of their communication issues i need someone to help me get a handle on the situation | ||||||
| 12/04/2016 | Yes |
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Web | Older American |
| My mother passed away in her sleep, in her apartment in XXXX, IL, XXXX XXXX on XXXX XXXX, 2016. Her soon to be ex husband, who is on XXXX in Florida, is on XXXX filed for legal and financial separation after she left him about a year earlier. The decree was to be finalized towards the XX/XX/XXXX. He has no money and could not have done anything concerning the arrangements. She has a sister there ( XXXX XXXX ) who was trying to deal with everything although she has no money either. There remains only my sister and I. I being the eldest I stepped in for my Aunt 's sake. I paid for everything, the cremation, memorial, etc. I paid for my flight there and my stay there to try to take care of things. I also had to pick up the car, pay it off and drive it back to XXXX from Illinois. What remains to be resolved is the small checking account at PNC bank. In there is {$2700.00}. Social Security removed about {$XXXX} which they had just sent her so now there is the {$2700.00} left. Social Security removed this after I let them know that she passed away. I informed everyone, having the death certificates and providing them, that my mother passed away. I was originally told by PNC while I was there that I could hand write and notarize a document declaring that I will be handling her affairs as she left nothing, no instructions, will, POA ( except for what to do with her remains ). Someone else was supposed to have taken care of her remains ( POA ) but they did not, so it was left to me. My sister does not want to be involved although I have included her anyway. So PNC has told me that they need documents stating that they can send me a check for the balance of her account. They also told me the death certificate and the hand written notarize letter which they told me to produce would not resolve this. I spoke with many people at PNC to try to resolve this. So after several phone calls to the State of Illinois and OCC, I have been referred to you folks. I am hoping that you can help. They ( PNC ) told me they will hold on to the money for 4 or 5 years before releasing it to the state. It is not their money and it is easy to prove that I and my sister are her remaining, living children. Obtaining a lawyer would take much of the money so it would only add to the frustration. Filing a Small Estate Claim requires that I be responsible for her outstanding Credit Card debt. Not an attractive idea. I have not contacted any of the CC companies. There are no PNC branches out here in XXXX. | ||||||
| 06/10/2022 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2022 my husband and I applied for a HELOC at PNC bank in XXXX, IN. The loan XXXX XXXX XXXX completed the application on her computer and we then signed the paper work. The next day we received and email from the loan XXXX in charge of our application, XXXX XXXX. We were told the process would be that they would do a home appraisal and then submit it to their underwriters. I don't have the exact date but somewhere near the beginning of XXXX we received a congratulations letter stating we were initially approved pending the appraisal. The bank told us to receive the amount of loan we were asking for we would need a minimum {$250000.00} home value for a {$110000.00} HELOC. Our appraisal came back at {$250000.00} as is and higher once the project was completed. On XX/XX/2022 we received another email stating that our loan application had been closed. I emailed XXXX XXXX asking her what that meant, thinking it meant we are about to sign for the loan. She wrote me and said their was not enough equity in the house. I wrote back saying I was confused that we only needed {$250000.00} and he had more than that. She wrote me back and said it was actually denied because our home is an A-Frame house and PNC does not loan on A-Frame type houses. I said why didn't someone say that 2 months ago. We would have never applied for the loan if we had known that. There is no way to hide the fact that it is an A-Frame house. I told her I would be reporting this to the necessary Federal agency. On XX/XX/2022 I received a phone call from someone named XXXX. I told her I was driving to a doctors appointment and would not be able to write anything down, she told me she would send her personal information to my email. She verified my email address with me. She tried to mislead me that it was our fault about the A-Frame and I told her that was absurd and that we would have never applied had we known the policy. She said she would investigate it and get back with me today, XX/XX/2022. I did not receive XXXX 's personal information nor have I heard anything from her, yet. We have wasted 2 months and interest rates have now doubled since we signed the original loan documents. The fact of the A-Frame should have came up at first meeting then we could have walked away and went to a lender that did approve our type of home. Now we are looking at higher interest rates and that is not right. We have been a customer of PNC for quite a few years and we are looking into moving to another bank. | ||||||
| 12/21/2018 | Yes |
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| XXXX XXXX , XXXX and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of PNC Bank of Maryland. This collection is result of a repossessed car a XXXX XXXX XXXX. I purchased the car from XXXX XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of XXXX XXXX and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed PNC Bank never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. PNC Bank purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX XXXX XXXX for the purchase of my car. For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history. 2. PNC Bank worked directly in consultation with PNC Bank and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XXXX. 3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 4. PNC and XXXX are both causing me great distress and distrust for the outcome of this loan. 5. XXXX XXXX have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which PNC Bank should be totally responsible for at this moment. 6. PNC Bank had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. Finally, I have asked XXXX XXXX to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially. | ||||||
| 04/19/2017 | Yes |
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Web | Older American |
| Selling my mortgage to a Business That Is Not BBB Accredited Mortgage Company. XXXX XXXX XXXX . Without giving us an account number or without approval from us. Leaving me open for more of their stealing and helping XXXX to do what their past complaints consisted of to me. Got notice today and It starts XXXX XXXX XXXX . Less than 2weeks. Spoke to PNC ( XXXX ) she did not care. I took out the loan with National City Mortgage Company. National City was bought out by PNC. I called PNC yester day and asked for a supervisor call us., they did not call us. XXXX said they have nothing to do with us any longer because they do not have our mortgage any longer. We have been paying on time for almost 16years. This is our home. We have more than nothing to say about who we do business with. Nationstar is the worst business they could have dumped us on. Nowhere on or contract does it say that they could sell our mortgage. We never implied or signed anything allowing them. .Nationstar just got fined XXXX XXXX Dollars fine last month. I was told by XXXX to call XXXX to get this information .I got a tape telling me that they would call me back. They did n't either. XXXX is also where my checking account is with no bouncing checks. Where did we go wrong. Nowhere.PNC went wrong. Just because their a bank that does not give them the wright to do what ever they want. I served my Country and I expect the lawful authorities to do there jobs. It amazes me how a company like XXXX stays in business. Own and operated by crooks. There are XXXX reviews about XXXX bad, XXXX Neutral XXXX good. All the complaints are of the same nature.Stealing, charging fines after suddenly misplacing their payments making payments late drawing late fees. ect..This is where PNC dumped my wife and I. We are XXXX and we do not or will not deal with thieves. The Government needs to shut down XXXX and not allow Banks lik e PNC t o dump you in the middle of this mess.PNC was our 2nd Mortgage company. We still have no payment book or even an account number. Would you trust them? I feel like we are being set up by PNC to later have XXXX steal from us. PS My si ster had XXXX XXXX XXXX . 3months ag o they foreclosed on her home .She said her payments disappeared. Payed through her bank. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX . Please leave message been getting allot of sales calls since this happened. XXXX XXXX XXXX | ||||||
| 05/06/2015 | Yes |
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| Several months ago I went to check the rewards points on my PNC credit card, which I have had for a couple of years, and realized I did not have any points. I called the service line to find out more about why I could n't find my rewards points on line and they said that I had opted out of the rewards program. I told them that is was not correct. I did not opt ouf of the rewards program and did n't know why anyone would. They said they 'd look into the issue. A few weeks later I received a letter in the mail telling me that becuase I did not notify them within 60 days of the opt out they could not credit me back all of my points, but as a " courtesy '' they would reward me my points for the last 60 days. I knew that I had not purposely outed out of their rewards program and so I called their service line, again, and asked to speak with a manager this time. He looked into the case and told me that when they ended their rewards program for the debit card, Their system must have also unenrolled my credit card from the rewards program becuse the two were linked and the debit card was the primary card for the rewards program. No where in the literature that I received about the debit card rewards program ending did it say that I needed to take action to ensure that my credit card would continue earning rewards points. As a result of them opting me out of rewards completely, I had not been earning rewards points for a year and a half. The manager calculated that I had spent over {$31000.00} on the card during that time and that they owed me over XXXX points. I 'm not a person who keeps very close track of my credit card points or choses a card solely for the points, but this felt like a lot of points to simply forfeit. He said he would submit the request for these points to be credited to my account but could n't ensure that it would be approved. Of course, it was not approved ( this was in XXXX of this year ) and the points have never been credited. I 'm to the point now that I am simply going to cancel the card. However, I wanted to submit this complaint because I 'm certain I 'm not the only consumer to which this has occured. It appears to me that a techical mistake on the part ( unenrolling the debit card and credit card at the same time ) of PNC is causing card holders to unknowingly miss out on their credit card points. Having workd in the XXXX for the last 7 years, this feel like an injustice that needs to be brough to light. The reference # of my case is XXXX. | ||||||
| 07/24/2020 | Yes |
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| It all started when I bought the vehicle through PNC Bank from the dealership in XX/XX/XXXX. Ever since then, I have been having problems with customer service on the phone and the branches. They have the worst customer service and doesn't care about any of their customers. All they have been caring about is money. My vehicle was repossessed back in XXXX of XXXX when I was XXXX in FL trying to make it with two jobs I just started. My father made a call to the auto loan department about making a payment of {$1000.00}. He didn't know there was more owed than what he told them he wanted to pay. Customer service told me at the last minute that there was {$110.00} still left owed to get the vehicle current. There was another rep who told me there was {$110.00} owed left including next month 's payment of {$380.00} which wasn't due until XX/XX/XXXX. The customer rep who my father talked to didn't mention what else was owed so he could pay it all to get the vehicle back current. Instead, my vehicle was repossessed the next day or the day after. All of my stuff was in the vehicle and I had no where to go. My dad had to pay so much money to get my vehicle back and the repo showed up on my credit even though I had decided to retrieve the vehicle back within 24 hours with the same terms and continue to make the payments. Also, the other issue that came along was their corporate office pretty much laughing at me and not doing anything about the issue after it happened. They didn't do anything but beat me around the bush and left me to rot because they didn't care at all. I have another issue that is going on right now that is taking a toll on my health and I have been asking them for help for a couple of months which they won't do anything about. They are neglecting the situation by telling me they can't just voluntarily repossess the vehicle due to their so called safety of the repo man having to ask the other person who has the vehicle for permission. I think it's very unacceptable of how they are handling the issue because they don't want to be involved. However, they hold the title and their name is also on the title. Since this is a very serious situation, they could go and get that vehicle if they want it back. However, I see them just wanting me to keep paying on a vehicle I don't have in my possession. I refuse to keep paying on it. They don't want to help, the problem will be carried on their shoulders. I'm done with this bank. I've had it with their XXXX and lies. | ||||||
| 10/07/2022 | Yes |
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| On XX/XX/XXXX I called PNC Bank to close my checking account. I was told the bank would close the account and send me a check for the remining funds in the account ( approx {$1700.00} ). They told me it would take a week to 10 days. More than XXXX weeks later I had not heard back, so on XX/XX/XXXX, I called and spoke with a representative who confirmed that a check was written to me on XX/XX/XXXX and sent on XX/XX/XXXX. We confirmed that it had been sent to the correct address. I confirmed that I had not received it so wanted them to send a new check. The representative said a case would be filed for stop payment, and a case worker would be assigned and then the case worker would call me within XXXX days to have a new check sent. On XX/XX/XXXX, a case worker called, but did not leave any contact information to call back if there were further issues. She said a stop payment would be issued, a new check sent, and she would reach back out to me once that had been done. XXXX days later, On XX/XX/XXXX, I had not heard back, so called the bank 's customer service number. After spending more than XXXX minutes, and having been disconnected multiple times, all I had found out is the first name of the case worker and the fact that a stop payment had been issued on XX/XX/XXXX. I repeatedly tried to get connected to the case worker and repeatedly asked for direct contact information so that, if I got disconnected, I would have someone to call direclty instead of having to go through the customer service phone menu and re-describe my issue. I was repeatedly denied any contact information. As a result, each time I was repeatedly disconnected, I was forced to go through the phone menu and redescribe the information ( at least XXXX different times ). After demanding to speak to a supervisor, I was still only provided with the email of the case worker and a supervisor ( no phone number ). I was told that a message had been left for the case worker to call me back. I was later called by the case worker who told me that a check had been issued " earlier today. '' and was being sent by regular mail and I should receive it in a week to 10 days. At this point, almost XXXX month has passed since I closed my account, and I still do not have my money. XXXX month seems too long to wait for them to give me my money back after I've requested it, and they have definitely made it very difficult to get them to do anything about it. Even if I get the money in the mail, this is unacceptable. | ||||||
| 04/27/2022 | Yes |
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| In XXXX, 2022, I notified PNC XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that PNC had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, PNC cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the PNC call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from PNC and an independent collection agency. I also received a notice from PNC that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called PNC to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a PNC branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 PNC late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from PNC. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the PNC XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of PNC. | ||||||
| 05/10/2021 | Yes |
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Web | Servicemember |
| I attached a list of transactions for review. I paid off my PNC Bank credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when PNC reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and PNC has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a PNC Bank manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely PNC will remove the late ding on my credit. I also attached what PNC has reported to XXXX as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that PNC acknowledges the mistake and will report it to the three credit bureaus. I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues. | ||||||
| 12/17/2021 | Yes |
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Web | Older American |
| This complaint is being filed against PNC Mortgage Co. due to the fact that they have refused to mail me a statement for my XX/XX/2021 payment which would bring my mortgage current. Due to the XXXX virus pandemic I was having problems paying my mortgage on time. My county- XXXX XXXX has been assisting their residents with funds from the CARES ACT to pay their mortgage. They will pay the principle and interest and I have been paying my escrow. The mortgage company has a policy of not accepting/ posting partial payments but I have kept them informed of what is going on and they have been accepting my county 's portion of {$490.00} + my portion of {$380.00} : now that my payment for XX/XX/2021 will bring mortgage current they are refusing to mail me a statement. I have ask for a statement when I made my latest part of my payment for XXXX on XX/XX/2021. The person that I made my payment with said she would see that I got the statement ... I've got nothing. On Monday XX/XX/XXXX I received a call from some guy at PNC, who didn't Identify himself, instead he begins to tell me that since I was always late with my payment that I should go back on a forbearance plan. I told him that payments made in XX/XX/2021 would bring my mortgage current and I asked him about getting me statement in the mail. He said he would see what he could do, or I could go to one of their new locations in the XXXX area and get the a copy of XXXX statement printed out asked him to hold for a second so that I could get a pen to write his name down, he said ok, instead he hung up. I have gone to two different branches ; each time at first I was told yes then they came up with the lie that they couldn't because they couldn't be sure I was the mortgage ownerthough they were given my Texas driver license and I showed them my XXXX statement which had with me. Since this Decembe payment will bring my account current, I know what they are attempting to do since I can't submit to my county for their assistance without a statement, PNC has decided that they will force me back on a forbearance plan because the guy who called me alluded to that. I need some help quickly from you all because they are trying to add every fee that they can come up with such as late charge fee, late charge assessment fee, etc., etc. In conclusion, can I please get some assistance quickly from the CFPB, because PNC is just the lowest of low and I am trying to move my mortgage to a more fair and reputable company. Thank you. | ||||||
| 04/12/2021 | Yes |
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| Week of XX/XX/2021, I received in the mail a Debit Card and a letter indicating that three DDA accounts were opened at PNC Bank in my name. This was not authorized activity and we had no existing business with PNC Bank nor did we apply for any financial products from them. We called PNC Bank on Saturday XX/XX/XXXX and spoke to a Fraud Officer and they said that they would open a fraud investigation and suggested we visit a branch for further assistance. We wanted these accounts closed immediately but were told that we would have to speak to someone in the Branch. We went to the branch on XX/XX/XXXX ( Monday ) and were told by the branch manager that it was turned over to the Fraud department and that they could not provide me with any information nor would they close the accounts when I requested them to do so. As I did not open these accounts, I am concerned that a money-launderer could be using my identity to commit financial crimes through these accounts and I wanted them closed to prevent my identify from being associated with any potential crimes. I also asked for some type of documentation to prove that we had reported this fraud to PNC to help reduce our risk and they refused to give me anything in writing to prove that I had filed this complaint with them. They said it was their policy to not provide anything in writing in these situations. PNC Bank refused to close the accounts and said that it had to go to their fraud department for handling. I asked them if the accounts were funded or if they could tell me what was going on with them and was told that they could not divulge any information even though the accounts are actually in my name currently. My goal in asking this question was to try and understand what risks I might be exposed to and to see if money was moving in / out of the accounts. However the branch manager quoted policy and said that they could not tell me anything. I am filing a complaint because a ) PNC Bank clearly has poor KYC / BSA policies if someone was able to open an account without my knowledge and b ) PNC Bank should be more helpful in trying to size the risk and address it appropriately. They said it would be up to 30 days before we might hear from someone on this matter. c ) PNC Bank should at least provide evidence that they have opened up an investigation to assist fraud victims, which may be needed to provide future innocence, etc. in the event of future issues that could come from the fraudulent accounts. | ||||||
| 12/03/2022 | Yes |
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Web | Older American |
| After my computer was hacked in May, I went into the PNC Bank branch in XXXX, Virginia, on XX/XX/XXXX to close my existing account and open a new one. The matter was handled by a PNC representative named XXXX XXXX. At the time, I also switched all of the automated monthly payments from my old account to my new one, including the payment of my monthly rent. The following month, when my rent came due, PNC did not issue payment, nor did the bank tell me that it was not issuing the automated payment. I didn't find out the payment was not made until after the final deadline for paying rent, when the apartment management company fined me about {$210.00}, even though I immediately took a check to them as soon as I found out. I then called PNC to find out why the payment was not made. I was transferred several times until I reached someone at the bank who told me that PNC uses an outside vendor to process automated payments. This person told me that the vendor had simply decided not to make the automated payment to the management company for my apartment because my old account had possibly been exposed. The vendor took this action even though I had specifically gone into PNC several weeks earlier and closed down the compromised checking account to prevent any fraudulent activity. At no time was I ever informed that PNC 's vendor had decided to not make the payment. When I asked the PNC representative to send me an email confirming what had happened, the representative said he wasn't allowed to. I went back into the XXXX branch PNC Bank and spoke with XXXX XXXX about the matter. I asked that I be reimbursed for the {$210.00} that I had been charged by the management company for a late rental payment. During the conversation, I later said that I would be satisfied if PNC simply reimbursed me for half the amount. PNC took the position that it was a third party vendor that declined the payment, so they were not responsible. It was nonsensical because as the customer, my banking relationship was with PNC, not a third party vendor. It was their internal decision as a company to outsource the processing of the automated payments. I of course had no idea that they outsourced this function, and had no control over it. And PNC on its website and through its online banking application of course presented the ability to make automated monthly payments as a service that the bank itself offered. I was never reimbursed or otherwise contacted by PNC on the matter. | ||||||
| 03/01/2016 | Yes |
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Web | Older American |
| I am the executor of an estate who requested information from the institution relative to outstanding liens by the original holder. PNC bank gave me great difficulty in addressing the issues that were requested by my lawyer in validating the legitimacy of the their liens before paying. i had presented my credential to Once I received the proper statements I paid the amount less the legal expenses incurred by addressing collection agencies. What happened next after I authorized the payments with a report is there starting debiting my estate account without my authorization even after my remittance in good faith with accounting claims attached. then they threatened me with financial demerits if I did not all other electronic claim on the estate account. Now after paying and I am in a lawsuit they wrote off the loans with no payments for their accounting. I learned about this during a credit check because of my lawsuit. I went to the bank to ask for assistance and was threatened with security even though I was sitting down asking for documentation and contacts within PNC to resolve my Issue peaceably. The threats were carried forward even today because it was not suggested that I return to clean up and find communication required to clear my name.even though the local branch had ample information to aid in my defense they seemingly insisted that I take it up in another city and kept giving me communication links to corporate. They have my father 's account written off and note that I outstanding was never paid in full even after my accounting. The local branch officer XXXX XXXX the account manager who basically hung up the phone up on me and told me when I went they she did not have the time of day for me. Had she given my the responsive information I would not be writing this. Now we come to extra expenses because PNC failed to report under a seemingly proper accounting where I am reported as delinquent in their payments even though it is documented by checks but not by XXXX and other reporting agencies because of the records promulgated from their offices. Hence I am guilty before being proven innocent when trying to carry out the law while their reporting schemes undermine my integrity to their profit. They also failed to transfer the funds under proper accounting practices in NJ incorporating the XXXX form which should have been done when they relinquished or transferred funds to and estate fund as required by NJ law for estate taxation purposes | ||||||
| 04/05/2022 | Yes |
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Web | Older American |
| PNC is actively reporting a line of credit as a defaulted and charged off mortgage to the credit bureaus. It is being classified as an M9 by the credit bureaus. After numerous attempts, there is no one individual at PNC who can navigate an issue from XXXX when PNC inherited the errors. I first spoke with Customer Service ( XXXX, XXXX, XXXX @ XXXX ext. XXXX ) and said I had the Recorded instrument with the Satisfied Stamp to prove the equity line was paid off in XXXX. One individual told me they arent XXXX XXXX but PNC, not knowing of prior mergers. All were unable to help and did not call me back. My second attempt with an XXXX XXXX was unsuccessful so I contacted a local branch with a Mortgage Broker office. There I spoke with XXXX XXXX ( XXXX ) XXXX. He informed me there was nothing that could be done and failed to provide any avenue to help resolve the error. Overview of error : With the many mergers ( XXXX became RBCXXXX XXXX then RBC Bank XXXX then PNC ) there was an error in the transitioning. The original credit line was opened with XXXX as an Equity Line for {$80000.00}. This was paid in full XXXX of XXXX. There is public documentation of RBCXXXX Certificate of Satisfaction for the Equity Line, paid in XX/XX/XXXX with the Register of Deeds ; with the merger of the two banks this has been overlooked by PNC. There is public documentation of the property used to secure the Equity Line being sold and transferred free of liens to the new owners XX/XX/XXXX. The account was then converted to an open line of credit, paid in full XX/XX/XXXX. We have not, nor ever have defaulted on a mortgage or credit line. We have documents showing a clear paper trail that begins with an equity line secured with property, a filed note of satisfaction from the payoff, a bank statement showing a zero balance and a clean transfer of ownership to the new owners, all ending in XX/XX/XXXX. The current RBC/PNC reporting to the credit bureaus needs to be changed from a charged off mortgage to a paid in full line of credit from XX/XX/XXXX up to the payoff in XX/XX/XXXX. Because of the age of these transactions, we were not aware of the reporting code M9. We had no need to apply for credit until we were refinancing our home in XXXX of XXXX, which was when we were informed how detrimental this error was to our credit report. In the end, it cost us points on our new mortgage and have probably had poor credit scores due to our supposed default of a mortgage. | ||||||
| 08/31/2021 | Yes |
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Web | |
| on XX/XX/2021 i purchased 3 bags from a seller named XXXX who was on XXXX. i had purchased from her once before through XXXX and never had an issue. ( which now looking back i believe the first transaction went smoothly so i would trust her ) the total of the purchase made on XX/XX/XXXX was {$450.00}. it was agreed that i would send her a deposit of {$200.00} first ( which i did ) and she would then go to XXXX, pay for the shipping label and once she sent me proof of the label and the tracking number i would send her the remaining {$250.00} ( which i did ) i continued to check the tracking number for a week after our transaction and all it showed me was a label was created i reached out to XXXX a few days after it was supposed to ship and she told me to just wait for XXXX to update it. after 8 days with no update and no help from XXXX XXXX decided to call the XXXX store that was on the receipt she sent me. i told the lady what had happened and she said yes i remember her coming in here, the label she paid for is still sitting on my desk, she said she would be back and left with the bags i told this to XXXX to which she now admitted her friend was supposed to ship them out for her. she apparently didnt drop them off herself ( who even knows if thats true ) so i told her to either refund me or just ship me my bags. after a bit of back and forth she said she would refund half in 5 days and the rest a week after bc money was tight for her. well i never saw that money. the last time i reached out was XX/XX/XXXX and she has stopped answering me and even opening my messages. i contacted my bank and told them all of this. that i never received the goods i paid for. they denied it 3 times and i appealed each one with no luck. they barley asked for proof. the second time I appealed it they only asked for a tracking number which still clearly shows that a label was created and no further tracking or delivery ever happened. i have the conversations between me and XXXX. along with her agreeing to send me a refund and that the bags didnt get sent out. but i was never able to give that proof to my bank. i feel like they are not doing anything to help me and keep denying my case. they keep saying its a valid transaction which i believe is false. its not valid because i never received my items. below are the 2 separate disputes ( since it was 2 diff transactions - {$200.00} and {$250.00} ) also the tracking number, receipt from XXXX and the conversation | ||||||
| 11/20/2018 | Yes |
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| On XX/XX/XXXX, I legally changed to my married name on my XXXX State driver 's license and US Passport. I contacted PNC Bank to ask how to change my name with them. They supplied me an address to physically mail a request to change along with supporting documents. I called 10 days later to confirm they received it. They stated it was changed on the loan only. I requested them change it on my vehicle registration and Title as I could be cited in a traffic stop for my registration not matching my ID.I complained online on XXXX on XX/XX/XXXX that PNC still hadn't changed it. That afternoon i was contacted by their resolution team by XXXX XXXX ( XXXX # XXXX ). I responded with an email of my best times to speak on the phone as she requested. That next day ... no call. I called the number she provided and after getting out to 4 different consultants, I was given to XXXX XXXX XXXX. She told me to contact my DMV and XXXX Dept of Motor Vehicle registration and see what they told me. These places all said she had to handle it. I also during this time, contacted my XXXX XXXX tag office to ask them what they suggested. I have an email proving they stated it has to be done by PNC. XXXX said she would research and get back to me. On Monday XX/XX/XXXX, i called and spoke to XXXX XXXX at PNC and she said XXXX XXXX was out but she would inform her to follow up. I literally left a message daily after that to see why she hadn't called me back. I called XX/XX/XXXX & XX/XX/XXXX and requested that someone contact me regarding my request as XXXX XXXX has not returned my calls. I spoke with XXXX and XXXX at PNC Retail escalation ( I have their extensions as well as call logs proving this ). They all refused to assist me and kept saying XXXX XXXX would contact me. They also verified she was at work to respond to me. I was told her manager would also be made aware of my concerns. Today, XX/XX/XXXX, XXXX called me and informed me that XXXX XXXX said she never spoke with me even though PNC has recorded lines. He said he would be taking over and asked for my ID information again after i had confirmed PNC received it along with my request weeks prior. He said he would research how to change my name on registration and title. I asked him if he would like the email from the Tag office stating it was up to PNC. He refused that. I feel like PNC is refusing to perform what i have requested as a loan holder and i have provided everything needed for them to accomplish this. | ||||||
| 08/15/2023 | Yes |
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| On XX/XX/2023, I opened a new checking account and savings account at PNC Bank. On XX/XX/2023, I initiated an online external transfer using PNC Online Banking to transfer {$1100.00} into the new checking account from my previous XXXX XXXX Checking account. The website showed that the account was set up and ready to go, and that I needed to add funds to the account. On XX/XX/2023, the {$1100.00} was withdrawn from/cleared my XXXX Checking Account. On XX/XX/2023, the remaining funds were withdrawn in-person at a XXXX XXXX location , and the accounts were closed. On XX/XX/2023, I was notified via email that the original {$1100.00} transfer to PNC had failed due to my new checking account being put on hold pending identification verification. I was informed by PNC customer service reps that external transfers could not be completed until the ID verification took place, which was not stated anywhere on the website. The representatives informed me the funds from the failed transfer were going to be returned to XXXX XXXX and I needed to work with XXXX Bank to resolve the issue. On XX/XX/2023, XXXX XXXX confirmed the funds tried to return to the closed Chase account, but the bank did not accept this as the account was closed and automatically sent the funds back to PNC Bank on XX/XX/2023. XXXX XXXX informed me I would have to work directly with PNC to get this resolved. On XX/XX/2023, I was assigned a case manager with PNC Bank and informed they would be doing an investigation that would take 10-15 business days to complete. I received no further updates. On XX/XX/XXXX, I called the PNC case manager who had not gotten back to me, and he informed me the investigation was not started because it was determined it was XXXX XXXX XXXX responsibility to figure this out. On XX/XX/XXXX, I spoke again with XXXX- who again stated this was out of their hands and no additional activity had been seen since they sent the money back to PNC on XX/XX/XXXX. They provided the trace ID for that. On XX/XX/XXXX, I got assigned a new case manager at PNC Bank and provided the trace ID for them to look into it. Sounded like it wasn't going to go anywhere, they were alluding that it was XXXX 's responsibility, again, but that they would look into it. As of XX/XX/XXXX, I have not heard back and have been unable to get ahold of the case manager. It's now been over one month, and neither bank can find the money and it has never shown up in my account. | ||||||
| 03/21/2022 | Yes |
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Web | Older American |
| XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX U.S. Department of Justice Civil Rights Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX Director Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear Friend ; Please assist me in obtaining a release from my current excess PMI requirement. I requested the removal of the PMI about 45 days ago. I was not contacted or visited by XXXX or the new mortgage servicers PNCXXXX XXXX appraiser . I was not contacted by an appraiser. When I called PNCXXXX XXXX for an update on my Primary Mortgage Insurance I was informed that the request was declined. The parties involved have committed consumer fraud. They are charging PMI for an unfair profit. The current OPEN DOOR offer for the home is {$430000.00}. The current loan amount is lest than {$300000.00}. PROOF AND EVIDENCE OPEN DOOR APPRAISAIL Selling Offer {$430000.00} Status Expired Expiration date XX/XX/XXXX aboutOpendoor Brokerage TREC : Information about Brokerage Services |Consumer Protection Notice California DRE # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX The OCC , Board , FDIC , NCUA , Bureau XXXX and FHFA ( collectively, the Agencies ) are adopting a final rule to implement the minimum requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the Dodd-Frank Act ) to be applied by participating States in the registration and supervision of appraisal management companies ( AMCs ). The final rule also implements the minimum requirements in the Dodd-Frank Act for AMCs that are subsidiaries owned and controlled by an insured depository institution and regulated by a Federal financial institutions regulatory agency ( Federally regulated AMCs ). Under the final rule, these Federally regulated AMCs do not need to register with a State, but are subject to the same minimum requirements as State-regulated AMCs. The final rule also implements the requirement for States to report to the Appraisal Subcommittee ( ASC ) of the Federal Financial Institutions Examination Council ( FFIEC ) the information required by the XXXX to administer the new national registry of AMCs ( AMC National Registry ). In conjunction with this implementation, the FDIC is integrating its appraisal regulations for State nonmember banks and State savings associations. | ||||||
| 12/30/2021 | Yes |
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| After falling foolishly for a cryptocurrency scam on XXXX I tried to recover my money I sent via XXXX to two different fraudulent accounts in the amounts of {$500.00} and {$2400.00}. I contacted my bank on XX/XX/21 to stop the XXXX payment as they were still pending. PNC bank said they couldnt intervene until the transaction went through, and then I could make a report to try and recover it after they investigated. On XX/XX/21 they closed their investigation and denied my request to recover the funds with no explanation beyond not seeing a reason to do so. They have since frozen my XXXX account, which is inconvenient because thats how I pay my rent, but I am working to get that resolved. The below is the details of the scam I provided to the FTC in my report So a friend of mine, XXXX, posted about some cryptocurrency investment on XXXX- I found out later his XXXX account was hacked, and this was not him who posted this. I asked who I thought was XXXX about the post, and he directed me to someone named XXXX XXXX on XXXX who claims to be a cryptocurrency trader. This person claimed to work for a company coin-hourly that does rapid cryptocurrency exchange, something I know zero about. He told me to make an account with the website. I did. Then I was to send {$500.00} to XXXX XXXX via XXXX- the associated info is XXXX and phone number XXXX according to the XXXX account. This was supposedly his XXXX. Afterwards I sent {$2400.00} via XXXX as my investment to his associate XXXX XXXX- the email associated with that XXXX is XXXX. I received an email from XXXX saying that my investment had generated profit and for me to withdraw it I need to confirm my account and pay the commission of {$600.00} via the XXXX XXXX to some account XXXX. So I did that. It all happened very fast - there was a lot of back and forth and screenshots shared between me and this XXXX XXXX person to move this all along quickly. I was suspicious but I messaged XXXX through XXXX and he reassured me multiple times, but I was suspicious because the pattern of response didnt seem like him. Then, I decided to message him instead through XXXX. At which point, the real XXXX told me that his XXXX got hacked the day prior and he was locked out of it, so whoever I was messaging with on XXXX was not him. I confronted this XXXX XXXX via XXXX to ask for my money back, and as expected that has not happened. Ive saved most of the conversation through screenshots if you need them Thank you | ||||||
| 09/12/2023 | Yes |
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Web | Older American, Servicemember |
| On or around XX/XX/XXXXXXXX through XX/XX/XXXX I applied online for a loan of {$2000.00} from PNC Bank. I was approved and was told to go to branch and sign loan documents which I did on XXXX XXXX at approximately XXXX. I went to the XXXX XXXX Branch on XXXX XXXX and met with banker XXXX XXXX who produced documents for an unsecured loan and a cashiers check for XXXX XXXX dollars, which was cashed, I then left the bank. On XX/XX/XXXX at approximately XXXX I returned the money for the loan as it was no longer needed to teller XXXX XXXX. I have had many dealings with this teller as she has handled many transactions for me over the years.She asked for my drivers license, and bank card and I gave her the XXXX XXXX and told her to apply it to the loan, which she did. For the next few days there was a XXXX balance on the loan untilXXXX XXXX when I noticed that the bank had put the loan back on. I called the branch and was hung up on three times. I finally reached XXXX XXXX the asst VP told him what happened and he said he would look into it. I was told to wait a couple of days and then it was escalated to executive client relations XXXX XXXX and XXXX XXXX. They kept insinuating that the loan was not paid and I asked them to pull the security tapes which they still have not done for the payoff date of XXXX XXXX. I have consistently been informed that after paying the loan I called in for payoffs ( I Have mobile banking did n0t need to ) XXXX XXXX said that maybe paid something else always story. On XX/XX/XXXXXXXX i along with my wife went to the branch spoke with the teller XXXX XXXX and asked if she remembered the trans action, she did vividly, the amount, where it was applied and we had a talk about our children and the upcoming school year. I asked if anyone had interviewed her about the missing money and she said I did not even know about it.I then went and spoke with XXXX XXXX and asked if he asked the teller involved about the transaction, he replied I have not talked with anyone.I asked if he could call XXXX XXXX into the office to corrobate my claim and then inform escalations in PNC. He Stated '' It does not work like that. '' It is my opinion that they dont even have the tapes which should be time stamped, and dated. They put the loan back on, refuse to take it off even with a paid in full letter dated XXXX XXXX from PNC thanking me for paying the loan in full. Please help they are trying to destroy my credit and reputation Thank You | ||||||
| 11/28/2016 | Yes |
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| My wife ( who is a signer on both our business and personal accounts for PNC ) went to a branch to have a third party check cashed. The teller refused because of bank policy of there not being enough $ in our account. ( The check was over by XXXX $ and later Customer Service said that he should have cashed the check especially since there was plenty of $ to cover that check in the attached business acct. ) The incident descended into an intransigent argument. As a result of the altercation, the teller cancelled my wife 's personal account debit card using her social security number to do so. This was confirmed by information received by corporate customer service a few days afterwards when my wife called in to check the status on a card that was n't working for transaction even though we have $ in the account. I went to the branch where the exchange originally occurred to speak with the manager, explained to her the situation and she even confirmed that this teller 's name was listed as the agent who closed my wife 's card and the date ( that the altercation occurred ) was listed as the date that it was closed. She excused herself to speak to the teller and get " his side '' ... Funny, he could remember the altercation, but not remember closing her card, but then gave the manager some story about someone calling at some point later in the day to cancel a card and he could n't remember if it was my wife 's card or not, but he 's not sure ... Even though the manager said to me " but no one 's card but your wife was closed on that day ... '' I was assured that PNC takes these sort of matters " VERY '' seriously and that she was going to be escalating this incident for investigation etc ad infinitum ad nauseum ... That was Friday XX/XX/2016. We were contacted by an agent in the " executive relations '' section of PNC that same day saying that she would be handling the investigation, but calls to her or others in her office have yielded only run around results and answers. In fact, the person I just spoke to who was in the same " section '' as the " investigator '' said that no investigation had even been opened regarding this incident. This teller has access to our personal information and has already used it once to close a card in order to retaliate against us. This behavior is not only unprofessional and potentially criminal, but it is a serious breach of our trust as multiple account holding clients and the general public at large. | ||||||
| 03/27/2023 | Yes |
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| PNC Bank held a foreclosure auction on XXXX XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX over a total balance due of approx $ XXXX with approximately $ XXXX past due. This relates to a home equity loan that my late mother took out in XX/XX/XXXX for {$89000.00}. That principal was all repaid years ago with maybe double that amount in interest. But that is neither here nor there. The fact that the much of the past due balance was incurred during a global pandemic where the entire country was shut down for two years is also neither here nor there. What may be here or there is that I didn't find out about the auction until over a week after the fact. I also didn't out about it from PNC ( who to this very day has yet to inform me of the auction ) but I learned about via the winning bidder. Who, BTW, has been extremely empathetic to my situation and is more than happy to walk away from her bid if PNC complies. If I knew about the auction ahead of time, The Mass Homeowners Assistance Fund ( who I have subsequently contacted and who I am now seeking a grant for up to $ XXXX re this matter ) informed me PNC would have stopped the auction from taking place based upon an agreement they have in place with them. I didn't find out about the auction because PNC either ignored or denied a request to have correspondence also sent to my cousin/executor. That request was made years ago ( XXXX I believe ) because of my mental health issues but also because the address they send mail to isn't checked regularly and is a just mailbox near the sidewalk that can easily have its contents stolen. PNC also or ignored or denied my Financial Hardship Application filed last summer that I understood would postpone collection activities for 1 year. I have filed complaints with the MA Attorney General and MA Division of Banks who referred me here as PNC doesn't fall under their jurisdiction. I have also been referred by the HAF to XXXX XXXX XXXX XXXX XXXX organization which I intend to utilize as well. As all they're interested in is their blood money, hopefully one of these groups might compel them to do the ethical thing and wait for the HAF grant to be approved. Or, if that doesn't work out, give me the opportunity to sell off the first floor unit as a condo. Their lien isn't going anywhere and they will get their money without stealing a home that has been in my family for over half a century. Thanks for your time and help! It has been desperately needed and appreciated. | ||||||
| 10/12/2016 | Yes |
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| PNC Mortgage ( PM ) sold my property ( XXXX bedroom Condo ) loan # XXXX ( {$200000.00} at 5.5 ARM ) in foreclosure to Federal Home loan Mortgage ( XXXX XXXX ) on XXXX/XXXX/XXXX at XXXX for {$130000.00} after agreeing to a loan modification. PM dual tracked the loan modification process using lawyers XXXX XXXX XXXX XXXX and sold the property using auction house, XXXX XXXX. ( Case Case XXXX of the Circuit Court of XXXX XXXX County ). PM represented by realtor XXXX XXXX of XXXX XXXX gave me instructions to vacate the property and i did. I moved in with family at XXXX, XXXX XXXX, Maryland. The completed sale of the above property and its terms were mailed and communicated to all stakeholders of the property including my Condo Owners Association ( COA ) lawyers XXXX XXXX XXXX and XXXX on XXXX XXXX, XXXX. Two whole years went by, uneventful. Precisely XXXX XXXX, PM started calling me incessantly. They offered to do a loan modification if i successfully completed a 3 months trial period. I did, but when I went to look at my property, i found squatters and dogs on the property. I went to court with advice and representation by Attorney XXXX XXXX XXXX to evict them. The last of the squatters was evicted by Maryland Sheriff Department in XXXX of XXXX. The loan Modification was completed XXXX XXXX and to my Surprise, PM added over two years of payments ( this is the period for which they had sold the property to Federal Home Loan Mortgage, XXXX/XXXX/XXXX through XXXX XXXX ) to my loan modification total. I complained bitterly on the phone many times to XXXX of loss Mitigation ( my appointed point of contact ) at PM and in writing about my loan modification arrangement demanding a change to my loan modification. I wrote letters dated XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but they would not investigate nor correct nor make the necessary changes. Matters have gotten really worse because my Condo Owner Association ( COA ) lawyers XXXX XXXX XXXX XXXX XXXX XXXX. of XXXX has being pursuing me for COA fees that I do not owe. This was fees for the period that PM and XXXX XXXX took possession of the property. Liens upon liens on my property, penalties upon penalties, fee upon fees to the tune now of about {$40000.00} and collection letters is being falsely appropriated to me. I am sick and tired of being harassed, bullied and taking advantage of by both PNC Mortgage and my COA lawyers XXXX I need your help to correct this situation. | ||||||
| 06/20/2017 | Yes |
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| On XXXX XXXX , XXXX we inquired about opening a business checking account at PNC Bank XXXX , VA branch. The loan officer, XXXX XXXX took down our information. We did not yet have the completed operating agreement from our attorney and we stated as such. She proceeded to open the account anyway and then harass us for the documents ( presumably because she should n't have opened it without them ). U pon receiving them, we forwarded to the bank and I called and spoke with the manager around the unprofessional nature and questionable actions taken by XXXX including missing debit cards, mis-handled personal information written in a notebook etc. Subsequently on XXXX XXXX , XXXX I noticed a series of fees and then a change to our account. Upon calling PNC customer service, I found out that the account had been converted to a different type of account without my consent. In the discussion, it became clear the account had been opened in an account type that was sure to incur fees past the initial period based on our intended use. It was never discussed with us that we were not being put into the base account. I raised the question with the representative if XXXX might have been incented to open the higher account type at the time, and then went in and adjusted the account when it started earning fees, without notification to me as the account holder. At this question, the issue was escalated. I was put in touch with XXXX XXXX in Executive Client Relations Case Reference : XXXX . I spoke with XXXX XXXX and relayed the actions and my concerns. I never heard back regarding my complaint. I followed up with XXXX XXXX on XXXX XXXX , XXXX . Upon speaking to her on the phone, I was told that the issue had been investigated and the employee in question would not make this mistake again. I expressed concern that my account had been changed without my express consent and the bank never so much as followed up with me past the complaint to reassure that my account was secure and the issue had been resolved. To which the only response I received from XXXX XXXX was " that is on me, I have n't gotten to writing you a letter. '' I have been a customer of PNC Bank since XXXX and am appalled at the lack of attention to this egregious action and utter lack of response to reassure and respond to the account holder. This experience was unacceptable and did not instill confidence in the security of my accounts. | ||||||
| 10/31/2018 | Yes |
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| Starting in XXXX, I made a large number of additional principal payments to my mortgage company, PNC mortgage. Due to an incentive offered by a bill pay servicing company, my payments were all individual checks, mailed via USPS, in the {$250.00} range each. I asked PNC to itemize each incoming payment individually, so that I could properly reconcile my account and verify that all payments were received and properly applied to my account. They refused. In total I asked 3 times that each separate check be given a line on my statement, but they continued to refuse. I can not properly verify my payments without knowing if each check was received and credited. Here is a copy of the first email I sent them : XXXX Message Detail Subject : Payment Inquiry Date : XX/XX/2018 Message : Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. =========================================================== Here is their reply : =========================================================== Subject : Re : Payment Inquiry Date : XX/XX/2018 Message : Dear [ redacted ], Thank you for your email inquiry concerning your PNC Mortgage loan. Please be advised, due to the quantity of payments received at such a rapid rate we're unable to apply each check as an individual line item. However, if you feel there has been any sort of error regarding your payment, please send a written dispute to ; PNC Mortgage XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for the opportunity to be of service to you. If you have any further questions, please call one of our Customer Service Representatives at XXXX, or respond to this message. Customer Service Department PNC Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- To : CSR Agent Subject : Payment Inquiry_Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. ============================================================= I am asking that I get a proper reconciliation showing each check that was deposited into my account to pay my mortgage. This is necessary to properly validate payment and reconcile my accounts. Thank you | ||||||
| 01/28/2022 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Bank Used : PNC I received an insurance check for a claim I had on my house in XXXX. I attempted to deposit it once and I did not know my mortgage company was supposed to sign it as well. That was 100 % my fault. Once I received my check back in the mail from PNC I could no longer get my mortgage to sign off on it. In that little time in-between my mortgage was sold off to another bank to service. I requested the insurance company reissue my check with my name and the new mortgage company name on it so I could deposit it. I received my new check in the mail and took it directly to my new bank that held my mortgage. It took them about a week and they got clearance to sign off on it. They marked it with all the appropriate signatures and wording as instructed by their superiors. I took it to a teller at XXXX branch in XXXX XXXX and they said it looked good and it was deposited into my account. Less than a week later I pulled up my account and all my accounts showed {$0.00} and they were frozen. I called the XXXX XXXX XXXX in XXXX XXXX and I was working with XXXX. She moved it along the process to figure out why my accounts were frozen. She was working with loss prevention and was told my account was flagged for fraud. I've been with this bank for XXXX plus years at this point in my life. XXXX said loss prevention asked if my new mortgage company ( XXXX ) could write a letter stating the insurance check wouldn't be returned and the teller who signed it had permission. The banker at XXXX Im working with was kind enough to 3 way call XXXX and I to get this sorted out. XXXX at XXXX asked XXXX what bank was the insurance check from. XXXX checked and it was XXXX XXXX. XXXX asked how can we guarantee a check not be returns when it isn't our check. We just signed it. Then she asked if the teller who signed it had permission and she said yes they Are under our permit. Not sure what that means. XXXX forwarded that information to loss prevention and they haven't done anything with it. This is going on a week and a half. I've already had 1 bill be returned and charged {$20.00} return fee. My payroll check was supposed to be deposited today and I can't get to the funds even if I wanted to. My house payment is scheduled to come out of the PNC account and I have to call them and tell them to stop it. I'm fine with waiting on the insurance check, but why did they have to lock my main account? | ||||||
| 04/04/2018 | Yes |
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| In XX/XX/XXXX, I hired a contractor to do some work on a property that I owned. This contractor gave me a quote for almost {$12000.00} to do a variety of things. We paid him half, or {$6000.00}. The contractor, over the proceeding months, did no work, stalled a dozen times, had us pay additionally for materials under the guise of starting the work, and we finally fired him in XX/XX/XXXX. We hired another contractor for what money we had left for the project in XX/XX/XXXX to complete the most urgent repairs. We then disputed the {$6000.00} for services NOT rendered with PNC, and at this point, the most urgent repairs are already completed, which PNC does not seem to understand. Over the last few months, we have given PNC everything that they have asked for to get the {$6000.00} back, only to be told a different thing by a different person every time that I call. Earlier in this debacle, we were given an incorrect case # and documents were faxed to the wrong number, and the case was closed. The last time that I spoke to the woman who was in charge of our dispute, she said I needed a statement by the contractor stating what he did, and the condition of the house when he did the work. I provided this, only to get a denial letter two weeks later. I had called to inquire about the dispute, only to be told that they needed some completely different document to be signed by the contractor, which was not told to me before. I have called there more time than I can count. I have been told so many different things I don't know how else to resolve this. I sent them emails where the contractor admitted to not doing any work, text messages, receipts, statements, estimates, - every piece of well-documented proof that shows this man took our money and did NOTHING. PNC refuses to give accurate information so we can provide the myriad of documents that they are requesting. I think the heart of the issue lies in that they believe we are disputing work that we paid for that had to be redone ; the issue is we paid for work, and NOTHING was done. PNC needs to give us accurate information and resolve this dispute. We do not owe the {$6000.00} that we paid, as the contractor broke his contract and did nothing. We have given PNC all the documentation to support this, including the contractor, XXXX XXXX, admitting that he did nothing, admitted that he owed us, and was asking if we are going to sue him. This needs to be resolved now. Dispute # XXXX | ||||||
| 08/10/2023 | Yes |
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| I have a credit card with PNC. I have made perfect payments for over XXXX years, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a hurricane hit a few years ago. XXXX. I had a brain cyst and several mini strokes. I went XXXX for a short time XXXX. I had numerous surgeries where my XXXX stopped beating. XXXX. I got XXXX XXXX ( XXXX of 3 times ) during XXXX of the surgeries. I was on a ventilator. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over XXXX years of rehab to build myself back up. XXXX. I managed to keep my job until the pandemic when they laid me off after XXXX years. 14 months later my job was eliminated. And I still paid my bills on time. XXXX I applied for over XXXX jobs and have been unsucessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. XXXX. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself XXXX. My spouse emptied our retirement account. XXXX. Due to hacking, XXXX XXXX, XXXX, and other credit cards and XXXX of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. XXXX. Up to XX/XX/XXXX, Bills have were paid on time. XXXX. I called PNC the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any Covid XXXX programs. They said sorry we can not help you until you are late with your bills. I said XXXX being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. PNC has not replied to requests. PNC has not reach out to me about this. PNC this week decided to file court action in a attempt to collect debt. | ||||||
| 04/17/2020 | Yes |
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| I began the process of requesting the return of mistaken XXXX contributions on XX/XX/XXXX. The reason for my request was that I was not aware that being enrolled in XXXX XXXX XXXX for part of XXXX & XXXX made me ineligible to contribute to my XXXX. My original fax, as well as my follow up fax dated XX/XX/XXXX, included XXXX Distribution of Excess Contribution/ Correct Mistaken Contribution forms as provided by PNC Bank XXXX the Custodian, for years XXXX XXXX {$4500.00} XXXX & XXXX XXXX {$1800.00} ). The amounts requested, the reason ( as indicated by federal law ) and the appropriate disbursement information are clearly listed on each form. The chronology of my request is as follows : On XX/XX/XXXX, the date of my original faxed request, I was unaware that funds had to be moved from my investment XXXX account to my base XXXX account to have sufficient funds to transfer. No one advised me of such. On XX/XX/XXXX, the date of my resubmitted fax request, I was unaware that having previously opted into the automatic investment option, the funds manually transferred from my XXXX investment account to my base XXXX ( with the intent to resolve the previous issue ) would automatically be moved back into my XXXX investment account, recreating the original problem. No one advised me of such. After several phone calls and emails, I learned of the problem and made sure the funds were transferred & auto-reinvest was turned off. On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided an expedite # XXXX. On XX/XX/XXXX, I was able to verify via the PNC website that the funds were successfully & permanently transferred to my base XXXX account in order to provide sufficient funds for the requested return. On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided another expedite # XXXX. I requested to have a manager contact me and provided my cell phone as the associate stated he did not have access to my original application information. On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate stated that no forms were on file to request this return of funds. I explained that I have two fax verifications of the submitted forms, one for XX/XX/XXXX & one for XX/XX/XXXX. I also offered to fax again or email. He declined. I requested to have a manager contact me and provided my cell phone. No manager has contacted me after two specific requests. | ||||||
| 07/10/2023 | Yes |
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| I have already went to the company to resolve the discrimination i am facing with this company. They have made an erroneous credit decision based off of melicious intent. With a perfect history across several accounts in no way shape or form should have have had my credit lines reduced. This will adversely affect but credit sending both lines up to a 90 % usage. Also, there is no evidence of higher risk by simply using a car that was moderately used to dormant over years. The email I send to the CEO of the company is below. First email no response. Good afternoon XXXX CEO of PNC Bank, It is my intention to engage with your company regarding my PNC relationship. I have been a customer with you for over 2 decades. I have paid off 3 Vehicle loans. I have 3 banking accounts. Also, have maintained 2 credit cards in good standing with no payments late over the last two years. I have a PNC Points credit card & a PNC Cash builder credit card. Both have been open and paid in good standings for 6 years and 9 years. I was saddened to discover after doing a balance transfer after my card was daily dormant for a time. I found that both of my credit lines were reduced creating a 90 % usage. The both were {$20000.00} separately and {$40000.00} combined reduce to {$5000.00}. I made a complaint and received a call from XXXX who was not equip to answer my questions or work through the escalations process. She was combative and obstructive to the process of seeking to understand what has happened. Asking did you read the letter in the mail is cold and simply beneath the standards that PNC has set in past interactions. I understand there are many factors you consider when making decision. My intention is to get you all to reconsider without doing a hard pull as offered by XXXX because a hard pull was not necessary to make the decision. She treated me as if you no longer wanted my business and I am saddened that the banking relationship has soured in the manner. She over talked me and my experience is that she wanted to defend a pore decision at all cost. I intend to take whatever action is necessary to be treated fairly under the FCRA and also I would prefer to avoid contacting the CFPB and the OCC to look into this matter. I feel discriminated against and harmed by the decisions made in such a knee jerk way. Also the obstruction in finding a solution to my concern is operant. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX | ||||||
| 05/21/2022 | Yes |
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| In XXXX I applied and received a HELOC loan from PNC Mortgage. In XXXX I was forced to file XXXX XXXX XXXX due to the loss of my company after the market crash in XXXX. This 2nd lien was included in that Bankruptcy filing. It was my understanding that PNC could no longer collect on the loan and PNC did not contact me post-bankruptcy by mail or phone since the bankruptcy until now. I did maintain my first mortgage and continued to make payments post-bankruptcy. I was even able to modify the mortgage in XXXX without knowing the lien from PNC still existed on my home. Which as I understand now means that they approved my mortgage company to maintain 1st lien position ahead of them on the title. Still I did not hear from them. Now I am trying to sell my home for what I believe to be the only debt and their lien surfaced at my closing as needing to be paid in full. The balance of the lien is the entire amount of equity I have in my property which I was relying on to move. I am now at risk of having now money if I pay them off or being sued by the purchaser of my home if the sale does not go through. If I pay them, I will be homeless as I cant afford another home without the sale proceeds. While I understand that under the XXXX filing they were not required to release their lien, I have consulted with other industry mortgage servicers and understand in XXXX the CFPB required servicers to send monthly statements to borrowers in this exact situation so they were NOT surprised like I was with a debt that I thought was gone. If they had done that and followed the regulatory requirements, I would not be faced with homelessness at this time. I would have been able to make other financial decisions. How can they not follow servicing rules and require me to pay them all this money that I didnt know I owed from over 12 years ago? It did not appear on my credit, I received no mail or calls. Ive suffered great emotional and actual financial harm in the last few weeks while they have not resolved this situation or relented on the funds due. Is this happening to other borrowers too? Only now, since Ive attempted to get this cleared are they sending me mail about loss mitigation assistance options. Also, as of today XX/XX/XXXX I was told by the attorney that the buyers want me out by XX/XX/XXXX so they can take ownership. I am in need of an answer quickly and don't know what to do. Thank you so much for your time. Sincerely, XXXX XXXX XXXX | ||||||
| 03/15/2021 | Yes |
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| I Bank with PNC Bank, going on maybe 10 years, whom we have never had an issue with until now. I have a vehicle loan through PNC bank as well which is paid through the bill pay feature on the PNC app. I paid {$1600.00} on the loan on XX/XX/XXXX. Once the payment posted, the account overdrafted which is fine because I fixed the overdraft the same day. Then the next day PNC Bank reversed that {$1600.00} payment which is also fine. So I called PNC bank and asked spoke with someone in the customer service and loan servicing dept who verified I could go ahead and pay the {$1600.00} again and the payment would NOT come out twice therefore, I made the payment again after being told it would only come out once. On XX/XX/XXXX I woke up to an overdrafted account due to the {$1600.00} payment being taken out twice and this time I didnt have the money to fix it but shouldnt have to fix it because this time, it was the banks fault for misinforming me and taking out the payment twice instead of once. I called that morning and spoke with a rep who stated I had to call back Saturday morning since the payment was pending and not yet posted even though it reflected in our checking account for 2 payments of {$1600.00} and advised when I called Saturday that they would have one of those payment refunded immediately. I called Saturday and was told the loan servicing dept. Could either refund the payment within 7 business days or I could dispute with the customer service dept and have the payment refunded within 3 business day. I spoke with someone in the customer service dept who stated they escalated the dispute and the money would be back into the account on Wednesday and that I would have to call once again on Wednesday to provide the story to have the {$1600.00} refunded along with any overdraft fees. Today is Monday XX/XX/XXXX, I called the bank to check on the status of the dispute and was told it would take 45-90 calendar days. I told the rep there should be a rush on it to be back into the account by Wednesday because I am still overdrafted with overdraft fees currently coming out and its PNCs fault. All the rep said was to wait a couple of more days and call back. This is a warning to others, if one of your payments is reversed and the bank tells you to pay it again, dont because the payment will come out twice and no one will be able to tell you when your money will be back into your account and they will charge you overdraft fees. | ||||||
| 05/15/2020 | Yes |
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| In XX/XX/XXXX I started a refinance w/cash withdrawl. There were numerous issues with me viewing loan docs so the officer sent then to my door via XXXX XXXX without asking, no signature required. The package left on my step contained every bit of information to assume my identy in it. This upset me and when speaking to the loan officer I was offered an apology and that wasn't not their normal practice to ship like that. At this point I just wanted the person who dropped the ball off my loan but I was willing to continue. Along this same time I was receiving multiple calls from the appraiser pushing me to schedule. Mind you I had not paid my app fee or even recieved loan documents to review before paying a {$960.00} non-refundable non-transferable fee. At this point ( beginning of XXXX ) I ended the refi and told them I would be going with someone else. The loan was not canceled it was sent to the underwriter. Because of this I was receiving emails urging me to long onto an account the I could never access in the first place to view non existant docs and even one saying since I hadn't logged in to view them they would be sent to my home again. I contacted the officer and begged nothing be sent, I heard no response and was told " we can not confirm nor deny there is a package with you information heading to your home ''. I filed complaints with PNC, 7 or 8 so far and on the XXXX of XXXX my refi was finally cancelled. This was after receiving mail that was telling me all that I had to get done before my XX/XX/XXXX closing. Not once have I recieved my callback in 24hrs like PNC promises. I made at least 10 different calls, waited on hold, and was told the issue was resolved. Currently, I am awaiting a call back from the representative handling the case. I last spoke to him on the XX/XX/XXXX where he had told me about the underwriter. I asked that my loan be transferred to another back due to their negligence and refusal to resolve the issue. I was told this was unusual but he would try. I asked for a callback by fridayXX/XX/XXXX he said no, I asked for a callback in a week ( XXXX ) he said he would try his best. It's now XXXX and I haven't heard. Throughout this process PNC has been unprofessional, dismissive, and down right rude to me. Like leaving me on hold for 5 mins, checking in, the 5mins of hold to tell me the dept I needed to speak to was closed. This entire ordeal has cause me tremendous stress about identify theft. | ||||||
| 10/06/2019 | Yes |
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| On XX/XX/2019 I applied online for a PNC credit card with a 0 percentage interest on balance transfers. I was approved and put in the balance transfer information for 2 other credit cards I have. I kept checking these accounts to see when the transfers went through. After a few weeks I called PNC and was told that it takes 23 business days to go through. I kept checking each day and it still didn't go through. By the way they charged me a fee of {$58.00} on my card. I called them again on XX/XX/XXXX and was told that it wouldn't go through until the XXXX. On the XXXX it still didn't go through. I called PNC again on XX/XX/XXXX and was told it was sent but they don't have any control over when the credit card company it was sent to received it or when they post it. There were 2 companies that were supposed to be sent this balance transfer so what are the odds that neither of them received the money? I was told to wait until Friday and to call PNC back if it still didn't go through and if it didn't that I could stop the transfers and use the 2 checks sent to me with my card to get the money by signing them out in my name. So on Sunday XX/XX/XXXX I checked and the transfers still hadn't gone through and I called PNC again. I told her that the balance transfers still hadn't gone through and asked about stopping the payments and using the checks I had to get the money that way. I was told she could stop the payments and reissue them to the 2 other credit card companies again. That would put me in the same spot I was in. I told her to stop the transfers to the credit card companies and I would use the checks made out to me and pay the balances myself. I was then told it takes about 3 days for the money to be available for me to write the checks to myself and another 10 days for the checks to clear. So now if everything goes right I should have the money by XX/XX/XXXX if she meant just 10 days or if when I call back they tell me that it's 10 business days. Which would bring it to XX/XX/XXXX I think. Oh and also there is a {$35.00} charge for each balance transfer cancellation which she said I should call them and see if I could get that back since I have never received the money. At this rate I will have a payment due before I have even received the money. I can't help but think this is a scam. How can I be expected to make payments on money I haven't received? Also it takes 2 months off the 0 percent interest for one year. | ||||||
| 04/06/2021 | Yes |
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| Our small nonprofit has checking accounts and a credit card with PNC. Our current credit card charges foreign transaction fees, but PNC offers some cards that do not. In a call with XXXX XXXX on XX/XX/XXXX, XXXX XXXX asked him to find us a card with no foreign transaction fees, and he told me he would get me information by the end of the day. XXXX told him it didn't have to be that day, a week or so would be fine. We never heard back from XXXX on this issue, and on other issues he wouldn't respond unless we forced him too, so we notified PNC and they removed him from our account. In late XXXX and early XXXX we had a series of overseas purchases ( XX/XX/XXXX and XXXX, and XX/XX/XXXX, XXXX, XXXX, and XXXX ) for a training tool we need for our anti-corruption work. These purchases incurred foreign transaction fees because XXXX never got us the new card we asked for, so we were out a total of {$200.00} in foreign transaction fees because of XXXX 's negligence. On XX/XX/XXXX XXXX emailed XXXX and itemized the charges and asked him to reimburse us. He emailed back that he wasn't on our account anymore but would have someone follow up. Later that day XXXX got an email from XXXX XXXX asking to set up a call to discuss our transition to a new business banking manager. He told her we didn't need to have a call because we were taking our business our of PNC so all I needed her to do was get us a refund on the charges. We didn't hear anything for several days so XXXX checked in again on Friday the XXXX and she replied back that she couldn't talk to him, she had to speak to a signer on the account, that being XXXX or XXXX. XXXX gave her permission to work directly with me, and XXXX reminded her that he is also listed as a representative on the account, so XXXX already had permission to handle these dispute issues on behalf of XXXX. Despite this she still refused to deal with XXXX and tried to force XXXX to speak directly with her. XXXX finally spoke with someone at PNC and told them to work directly with XXXX on this issue, and they agreed they would. Despite this, XXXX has still not heard back from PNC regarding the issue. In the attached emails, PNC email XXXX to be exact, you will see that I gave written permission for them to deal with XXXX, but they still refused. Now that I have given them express permission on the phone to deal with XXXX and they agreed, I expect that to happen so we can take care of this issue and move on. | ||||||
| 03/30/2015 | Yes |
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| The mortgage loan against my primary residence was purchased by PNC mortgage in XX/XX/XXXX. Payments are consistently made and applied against the outstanding balance within the grace period defined by PNC mortgage. However, on and after the XXXX of each month, if the payment has not been credited against the account, automated phone calls begin. These phone calls occur up to XXXX times per day and continue until the payment is credited. When I answer the calls, there is sometimes an automated message and other times nothing and no human on the other end. The recording says, please wait for a customer service representative and then the call disconnects. I also have received calls after my payment has been processed. When this occurs, I contact PNC mortgage and I am informed that a call should not have been made and they do not know why I was being contacted. Furthermore, in addition to the multiple automated phone calls, the payment collection process performed by PNC mortgage is abusive, unfair, and deceptive, due to the continuous phone calls without information or the inability to connect to a representative at PNC. During the month of XX/XX/XXXX, I forgot to transfer funds to cover the bills and my mortgage check was returned. Upon my identification of the returned payment, I logged online and paid the mortgage charge, a {$7.00} fee to make an online payment, and a late fee. 3 days after making the payment I received a certified mail package for early intervention and possible home ownership counseling opportunities. I was not even 30 days late and never received a notice other than, if I do not contact PNC within 30 days from the date of the notice I could face foreclosure. The notice required under RESPA and WA State law allows the lender up to 45 days to provide the notice for early intervention. The context of PNC Mortgage 's notice is not to bring attention but rather, to scare average consumers with the possibility of losing their home. I am current on my mortgage and have never been 30 days or more past due. I did not select PNC mortgage to originate my loan and feel as though I am required, with no other option, to pay for a loan refinance with another lender to avoid PNC 's abusive and threatening tactics. It is clear that PNC is unable to effectively manage their systems and controls to mitigate risk and harm to their customers, many of whom must deal with this poorly operated company without a choice. | ||||||
| 01/07/2021 | Yes |
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Web | Servicemember |
| My wife and I were interested in obtaining a home equity line of credit. We did our research, knew our approximate credit scores from our free reports prior to contacting banks. We checked with a few lenders regarding their requirements. We currently have accounts with PNC and could meet all of the requirements advertised for approval. We called and spoke with 2 different local branches to confirm these requirements. Specifically we asked if there is a minimum credit score, and if the approval is based on credit score or debt to income ratio or amount of equity or a combination of all 3. Both representatives from 2 separate branches, stated they do not have a minimum score requirement and base the decision on a combination of all three factors. We then scheduled an appointment to apply for the loan in person. At the time of applying we verbally discussed our current credit score, our current income and expenses, past credit issues, and the approximate value of our property. The bank representative stated that she did not see any issues with our current credit score, that our debt to income was with-in the acceptable range and that if a simple drive-by appraisal of our house came back to low, we could request the full appraisal. We did ask if the current pandemic has any effect on approval and stated that my wife and I both have secure jobs working in XXXX and XXXX XXXX She stated that yes, that would help, that PNC does not advertise, but has denied people because of covid. A week later we received a copy of the documents that we signed that included our credit score. I called the bank to check on the status and I was advised that our credit score was below the 720 minimum needed before the loan would be considered. We questioned if our debt to income ratio and home value were reviewed and taken into consideration. The representative stated, no, the loan was being denied because of the credit score and would not be reviewed further. I specifically asked why they were not upfront with the fact that they base the approval off of the credit score alone and that I would not have wasted my time. She did not have an answer for me. We have attempted to contact XXXX via phone and have been unsuccessful. We currently have 3 different credit scores with a 60 point difference from XXXX provided to the bank, online at the XXXX site, and our yearly free credit report. PNC could not provide us with a contact number for XXXX. | ||||||
| 05/19/2017 | Yes |
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| I received a letter onXX/XX/XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. This in the return address window of the letter. The reference number of XXXX was given for this notification for XXXX XXXX XXXX ( against my company that Closed on XX/XX/XXXX with no liens or balances owed. ) The letter explains that it was advised to collect {$110.00} within 10 days to avoid cancellation of privileges. I called, from my cell phone, to ( XXXX ) XXXX on XX/XX/XXXX at around XXXX - spoke with XXXX XXXX , not very clear. She asked for the RE number mentioned above, I complied. Then XXXX asked for my personal social security number. I refused to comply for reason 1. ) It was for my company, but she did n't ask for nor care about the Federal Tax Identification number - which seemed to be a red flag, at this point. She told me that if I would not give her my social security number, not my FTID, then she could not assist me. At this time, I informed her if they believe that they are owed money, they need to send an itemized statement for my review. XXXX said that they can only provide information if I give them the information that they were asking for ( my social security number ). I terminated the call with XXXX XXXX at ( XXXX ) XXXX. I immediately contacted my credit card service representative at PNC and I confirmed that my account was closed with no money owed. XXXX XXXX, customer service at PNC sent a letter confirming that my account was closed on XX/XX/XXXX and no further action has been taken by PNC to pursue collections. I also have documentation from PNC showing that my business banking account was closed on XX/XX/XXXX, and not further action was needed nor money owed. In addition, on theXX/XX/XXXX banking statement it was documented that my contract with Merchant Services was met on XX/XX/XXXX. In researching the information from this company, I have found that they misspelled the city and the address that is provided seems uncertain for what they claim to be. As explained before, if I owe money I should received an explanation of what the charges are for shortly after my contract expired. Since this communication via telephone, I have received a calls to my previous business line from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX - no message was left. And another call from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX where the same person that I spoke with on XX/XX/XXXX now identifies herself as XXXX XXXX. | ||||||
| 03/02/2020 | Yes |
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| On XX/XX/XXXX, I called PNC bank to close my checking, reserve, and savings account. The person I spoke to claimed that they could close my reserve and savings account but not my checking as there was a payment pending. They told me to call back once it had processed and I could close my account. I called again on the XXXX to be told that it still hadn't cleared and they could still not close my checking account. After double checking that there were no more pending transactions, I called on the XXXX and asked to close my checking account again. PNC told me that they could do that and we went through the process of closing my account, after which they confirmed that they would mail me a check for the remaining balance. I said that was fine and was under the belief that my checking account with them was officially closed. Days later, on XX/XX/XXXX, I received letters from PNC dated from XXXX XXXX that they had not closed my checking account despite asking and saying that I had wanted more time before closing it, which was a lie. I immediately called PNC and they claim that I said I did not want to close the account, despite having been assured that it was previously closed. Because they did not close my account, a random charge went through today ( XX/XX/XXXX ) and therefor my account was in the negative. They then claimed that they could not close my account with pending transactions and that I would accrue fees due to their oversight. I confirmed with them that when I called on the XXXX my account was in good standing and that even if it took XXXX hours to close the account that there were no outstanding pending transactions during this period so it should have been closed. While trying to fix this issue and speak with a manager, the PNC representative I was on the line with hung up on me. This lead me to go into my local branch and speak to the branch manager XXXX XXXX who claimed she also had no authority to close my account and that she would escalate a claim with their consumer relations department. I called PNC back again to attempt to close my account and they claimed they would try to rectify the situation but did not call me back at the end of the business day. At this point, my account will accrue continual overdraft fees due to PNCs error and refusal to close this account and all I want is this to be fixed. I would rather deal with collections than deal with the runaround from PNC for another second. | ||||||
| 02/10/2023 | Yes |
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| On the morning of XX/XX/2022, I realized within 10 minutes after submitting two XXXX payments, that I had been scammed on XXXX XXXX after listing several items for sale on XXXX XXXX. I immediately walked from my university library to the PNC branch on campus that was about 5 minutes away, to notify them of the issue. They basically said " the transfer is immediate, we can not stop it '' even though the amount had not yet been deducted from my account and PNC, along with XXXX could totally have arranged the transaction to be canceled right there and then. They told me to wait for the amount to be posted on my account before filing a dispute, and proceeded to give me a wrong number to contact. I filed a dispute with PNC with no favorable results, even after providing details about the transactions, the XXXX accounts that the transfers were made, etc. In addition, I was provided a letter that said I could call to hear the details of a dispute, with a number provided. When I called the number, no one could give me ANY details about the dispute even after multiple follow up calls and transfers. They scheduled to have a supervisor/manager call me back after I provided them with my available times, but it is as if they INTENTIONALLY call me outside of the available times I had provided. I have been a loyal customer to PNC for 10 years and the last supervisor/manager I spoke to asked me in a very disgruntled way, " what do you want? '' and proceeded to send me around on another wild goose chase with no additional useful information. The total amount of these XXXX scams were {$350.00}. PNC along with other banks, OWN XXXX. Therefore, PNC as the owner of XXXX, AND the bank I chose to bank with for the last 10 years should take responsibility by refunding {$350.00} to me. ( The amount of the transfer that I had promptly requested to be cancelled. ) PNC also needs to take responsibility for their refusal to provide additional details on my dispute and take better steps to address disputes in the future. I am happy to provide any additional documentation or photos needed in a follow up. But please do not waste more of my time unless you will, in fact, process this refund back to me. XXXX scams appear to continue to affect many people. Enough that it is still a huge news topic even today. Banks like PNC and others that own XXXX have been unethically evading responsibility for long enough. Please hold them responsible! | ||||||
| 03/29/2019 | Yes |
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| Hi my husband and I called PNC Banks direct banking center on XX/XX/XXXX to order checks and spoke with XXXX. She said there would be no charge for my checks and she would change my account so there would be no charges for checks on any of my accounts and there would be no fees. On XX/XX/XXXX I received 2 notices from PNC Bank saying my account had been converted and there was a fee schedule attached. On XX/XX/XXXX My husband and I called PNC Bank and spoke to XXXX the supervisor for an hour and half. We were told we were being charged for checks it does not matter how much money you have. She refused to put my accounts back to what they were prior and insisted if I did not keep certain balances in each account I would be charged. I told her there were months that I did not keep that balance level and was not charged. She did not believe me and I asked her to look at old statement and she refused. I had to get my statements form the basement to prove to her I had Performance Select Accounts. She refused to provide free checks on all my accounts. On XX/XX/XXXX I was so frustrated I said I was going to use XXXX to get help and then she refused to help me at all as retailation. On XX/XX/XXXX I was looking at the fee schedule and saw that I qualify for Performance Select Accounts which requires {$5000.00} of deposit in checking ( I have {$49000.00} ) or {$25000.00} of checking and brokerage investment ( I have {$150000.00} ) These balance allows for 8 free accounts and free checks on all my accounts. XX/XX/XXXX I spoke to XXXX at the executive escalation and she confirmed that I had enough money to receive free services. XXXX would not explain why I was lied to and kept on the phone. She said she had to listen to the call. She said she would listen to the call and give a me a call back today and she did not. She also referred to the fact that I complained once before a customer service representative tried to charge me for an new bank card which should be free too. I think customers should be give fair and honest information and not retaliated and discriminated against if they complain that are not getting the services they are entitled to. I am not sure but XXXX was a manager and should have been able to review my accounts and offer the correct product and honor the free services. She did the contrary and refused to provide the free checks I was entitled to. It seemed to deliberate and retaliatory. | ||||||
| 01/06/2017 | Yes |
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Web | Older American |
| This is both a follow up and additional complaint against PNC bank. Around the XXXX week of XX/XX/2016, I reported unauthorized transactions on my PNC Visa business card. I spoke to a fraud investigator, detailed each transaction as required. I also requested in writing all correspondence done in writing via either PNC banks own secure message system, on line chat, email or USPS for accuracy purposes. I am sure everyone agrees this is the very best way for transparency and assure neither side is limited to the facts. However, PNC claimed my original dispute was MISHANDLED. and requested another detail list of all the transactions. This seemed strange to me, they have a recording of the conversation, therefore a record of everything said. Why would PNC bank REFUSE to access their own record? Further, PNC bank continued attempts to have my 2nd dispute over the phone. Why would I provide them another dispute over the same format they admitted mishandling and refuse to acknowledge having? Therefore, I provided a 2nd dispute in writing on XX/XX/XXXX, through PNC banks own Messaging platform, this way there is no discrepancies or possibility of any attempt to claim it was NOT received, right? Both sides now have a copy. I mean KNOW WAY would PNC bank be so bold and defiant to LIE! Well, brace yourself for this one. Just yesterday I received a letter from PNC bank, dated XX/XX/2016 from XXXX of the Dispute Resolution Department claiming ... I never provided them with details of the unauthorized transactions " ... You have NOT responded to our request for information. As a result, we can not conduct an investigation into this matter, we have closed our file and you WILL CONTINUE TO BE RESPONSIBLE FOR ALL AMOUNTS DUEAND OWING .... '' Now either PNC bank is recklessly incompetent, or deliberately lying. both violations of out agreement, which is an agreement of adhesion ( in other words, they created and dictated the agreements had no say in any terms, yet they still break it ). Further I have disputed the amount owed with XXXX, therefore setting up for future damages. If pnc bank reports the balance to include the disputes transactions as accurate it will trigger the FCRA violation standard allowing me to sue. interesting what the CFPB intends to handle this, because by PNC banks own actions they are sending a clear message that the CFPB has zero leverage with them and PMC clearly has no respect for federal agencies. | ||||||
| 11/12/2015 | Yes |
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| To Whom It May Concern, I recently applied for a home equity loan with PNC Bank for the amount of {$25000.00}. My initial loan estimate indicated that the estimated payment would be {$510.00}. The assessed value of the property per PNC 's assessor was {$530000.00} ( though I note that the assessor did not account for XXXX square feet of livable space ). My current mortgage balance is {$380000.00}. On XXXX XXXX, the underwriter issued the following request via email : '' Homeowners insurance dwelling coverage is insufficient. Will need dwelling coverage increased to cover total liens {$400000.00}. " This request is the reason I am filing the complaint. Homeowner 's insurance covers the value of the dwelling ( which per my homeowner 's insurance policy is ~ {$250000.00} ), not the value of the outstanding loan. The figure the underwriter wants to cover through my homeowner 's insurance is the outstanding balance on my mortgage ( {$380000.00} ) plus the value of the loan for which I applied ( {$25000.00} ). What the underwriter seems to be requesting, then, is something equivalent to Personal Mortgage Insurance ( PMI ). Even with the low assessment value on the property, the sum of my mortgage and the loan for which I applied would result in a loan-to-value ratio of XXXX %. Banks are required to drop PMI once the loan-to-value ratio reaches XXXX %. There are XXXX specific concerns here that I would like to bring to the attention in light of the above summary. 1 ) The underwriter is asking for one type of insurance ( PMI ) that according to the rules is not allowed. As such, s/he would seem to be asking me to provide that insurance through my homeowner 's insurance. This is either an instance of gross incompetence ( i.e. confusing homeowner 's insurance with PMI ) or an attempt to skirt an existing regulation regarding PMI and, therefore, asking me to shoulder a cost that is not required vis. my loan-to-value ratio. 2 ) The second concern is that the requested additional coverage would result in a significantly higher cost than was provided in my loan estimate. This expectation was not disclosed in my loan estimate and, as such, this request constitutes a violation of the Truth in Lending Act that obligates PNC to inform me of all expected costs. I have written documentation of all facts mentioned above that I am happy to forward to you. Should you require them, please do not hesitate to contact me. | ||||||
| 01/23/2018 | Yes |
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| I have three rental properties covered under one insurance policy. Each of the properties has a mortgage, and collects escrow towards payment of taxes and insurance as part of my monthly payments. I have already filed a complaint against one of the mortgage companies, XXXX, and am now filing another complaint against XXXX XXXX XXXX, who holds the other two mortgages. Between these two companies, they failed to pay the insurance renewal from the escrow accounts, resulting in loss of coverage. As describe din my previous complaint against XXXX, PNC has also been uncooperative in remediating this problem. On XX/XX/XXXX I learned that PNC did not have a renewal invoice, although my agent claimed to have faxed it on XX/XX/XXXX. I asked my agent to resend with a breakdown of amount due per property. She resent it on XX/XX/XXXX, plenty of time before the renewal date of XX/XX/XXXX. I followed up with her on XX/XX/XXXX, and learned that she had been leaving messages with PNC, but no one had returned her messages. I called PNC again and gave them her contact info and demanded that they follow up. On XX/XX/XXXX I received a message from my agent asking for my social security number, because PNC was refusing to discuss my accounts with her without this information. On XX/XX/XXXX my agent sent a message stating that she had spoken with XXXX in the PNC insurance department, and that checks were being issued and rushed that same day. However, as of XX/XX/XXXX no payments were received, and when I called PNC, I was told that they never received the invoice, bringing us full circle to where we started. I asked for a supervisor and was sent, after a long wait, to a voice mail for XXXX XXXX. I am awaiting a response.In the meantime, insurance on all three properties has lapsed, and the underwriter is refusing to reinstate, even if they receive the payments immediately, so I am now being required to await another quote from underwriting, and will most likely have to pay out of pocket for the insurance once that is received to avoid further exposure. I am living paycheck-to-paycheck right now, and can ill afford this additional expense after having dutifully made my principal and escrow payments each and every month on time and without fail. If I am having so little luck getting them to pay the insurance in a timely manner, I feel that I have little chance of collecting reimbursement form them for paying the insurance myself. | ||||||
| 11/06/2022 | Yes |
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| XX/XX/2022, my wallet was stolen in the area of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, at approximately XXXX XXXX XXXX XXXX XXXX, I realized the wallet was missing and began calling PNC and other credit card companies. At the time, PNC was my bank and I had XXXX active debit card for XXXX account at the bank. By XXXX, PNC had already allowed a purchase for {$980.00} at XXXX XXXX, despite the thief not having my PIN number. I immediately disputed the charge and provided a XXXX Police Department report number to PNC regarding the theft of the wallet. It took XXXX days, but PNC reimbursed me for the {$980.00}. The debit card was cancelled immediately on XX/XX/2022 and another was issued. I received and activated the new debit card on about XX/XX/2022. On XX/XX/2022, an unknown and unauthorized person went to a PNC bank branch in XXXX and apparently presented my stolen identification. Despite the fact that the user did not possess my account number, PNC bank provided the account information to them and allowed them to withdraw {$1900.00}. On XX/XX/2022, I noticed the transaction and immediately reported it to PNC Bank. I filed another police report and worked with the XXXX Police Department who went to the bank branch to obtain video footage of the criminal. But, the detective learned that PNC bank provided this {$1900.00} to a person who was in the drive-through of the bank and there were no video cameras in XXXX XXXX through. I called PNC every day for XXXX days, and I personally went to the bank branch on XXXX XXXX where I was shown a copy of the withdrawal slip with my forged signature. The account number was on the withdrawal slip ; therefore, the teller had to have provided that information to the criminal. I was told it would take no less than 60 days to receive a refund of the stolen money. I called PNC twice more and then visited the PNC Bank on XXXX XXXX where the matter was escalated. At the time, I was told it would take 120 days to receive a refund of the money that was stolen. I offered any assistance to the investigation, but no investigator from PNC has contacted me to date. On XX/XX/2022, a PNC customer rep emailed me and apologized for not having an update on my claim and said he was having trouble getting in touch with the investigators at PNC. PNC has committed, at best, gross negligence. And I cant pay my bills because they wont return the XXXX they have to a criminal. | ||||||
| 04/04/2020 | Yes |
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| I noticed looking online at my Home Equity Loan payment history and payment breakdown, that many of my payments, sometimes for months in a row, were entirely applied to interest and nothing was applied to principal. I contacted the XXXX number for my bank maybe a year and a half ago (? ) and the representative told me it appeared as though there was an error in how my payment was applied because I used the online money transfer option to make the payment online instead of mailing in my payment with a payment coupon. It was a system error she said. She said she would fix it and when I later logged in the payments were applied in a way that I would expect : e.g. most of the payment to interest given the age of the loan but a notable portion to principal, and an adjusted remaining loan balance. The same thing happened a few more times since then, including several months in a row at the end of XXXX and into XXXX. In XX/XX/XXXX I called a loan officer from my branch to have the error corrected again and ask how I could avoid this problem in the future with online transfer payments. She did some research and got back to me saying that my payments were correctly applied according to bank policy for payments made after the due date. She said that because the payment was after the due date it was applied to the interest of the payment past due as well as the upcoming payment before it could be applied to the principal. She also told me that I had no grace period on this loan but accepted correction when I stated that my payment coupons show a due date of the XXXX of the month with a late fee incurred on the XXXX of the following month, indicating a 15 day grace period. None of my payments on this loan were ever over 30 days late. I am a XXXX XXXX XXXX I've had other HEL 's and HELOC 's as well as many mortgages. I've never heard of this policy or had this experience at another institution. This policy resulted in many of my payments having nothing at all applied to my principal and I believe resulted in a higher remaining balance than if payments had been applied according to the amortization rate that I see with my other real estate secured loans. Indeed, when I ran my loan specifics through an online amortization calculator it produced a remaining balance almost {$2000.00} lower than what my bank claims. Can you tell me if this is a legitimate industry practice in the application of Home Equity Loan payments? | ||||||
| 10/24/2019 | Yes |
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| As of XX/XX/XXXX, PNC Bank is still reporting my home equity line of credit as " Modified '' to the 3 major credit bureaus, despite the fact that PNC Bank refused to modify it in XXXX or XX/XX/XXXX. In XX/XX/XXXX, I I entered into a trial plan agreement to temporarily lower the interest rate with the hope of getting a permanent modification, where PNC Bank would lower the interest rate and put the remaining past due balance into a new amortization schedule, that would lower all of my future payments on the loan. I made all 3 trial plan payments as scheduled in XXXX and continued to make payments after that. I provided all of the documentation that PNC Bank requested. In late XXXX or early XXXX, someone from PNC Bank called and told me that my permanent loan modification request was denied because " I had insufficient income in relation to my financial obligations ''. I said that is not true, and even if it was true, the loan modification would help me meet my financial obligations. PNC refused to change its decision. On XX/XX/XXXX I made an arrangement to pay the past due balance of {$920.00}. Payments for {$460.00} and {$460.00} cleared my bank on XX/XX/XXXX and XX/XX/XXXX, respectively. It is like adding insult to injury, and is very misleading that PNC Bank is still reporting the loan as modified. I had tried several times to get PNC to remove " Loan Modified '' from what it reports to the credit bureaus, but PNC refused to do it. I called PNC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I talked to XXXX XXXX in the Retail Escalations Group at ( XXXX ) XXXX, XXXX ( XXXX ) XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX said that Ms. XXXX mailed a copy of the loan modification agreement, the denial letter, and my XXXX account history to me ; however, as of XX/XX/XXXX, I have not received them. Ms. XXXX also told me that my only recourse to the false reporting is to file disputes with the credit bureaus - That is something that I have already been doing, through a third party credit repair company, without success. See the attached PDF that has the temporary agreement to lower the interest rate, on of the credit bureau reports that shows " Loan Modified '', and bank statements that shows my payments to PNC Bank. PNC Bank is not fulfilling its obligation to help borrowers who ask for assistance. Although I am current in paying on this loan now, I do not want lies on my credit reports. | ||||||
| 10/23/2018 | Yes |
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| I purchased a car from my now ex-husband as a part of our separation agreement. The car was financed with XXXX XXXX XXXX XXXX when he was the owner. I applied for, was approved, and signed loan documents for the auto loan on Wednesday, XX/XX/2018. The bank manager that was at my document signing ( stated ) had not only " never done this before '' but was also being walked through the process by someone on the phone at corporate. Not only were documents missing, my ex husband having to be called back in to sign more documents, more phone calls to corporate, but he also told me that PNC would handle the title and I would have nothing to worry about. I would like to add that I do not feel at all this was his fault, but a lack of training from his superiors on the common products and processes that PNC offers. After numerous calls from him, XXXX messages with PNC bank, dozens of calls made to PNC corporate, including speaking with representatives from their Retail Escalation Unit to include XXXX XXXX, I have been told these conflicting instructions from varying members : PNC would handle the titling, I have nothing to do XXXX would send the title to my ex husband who would give it to me XXXX would send the title directly to the DMV, who would issue the registration XXXX would send the title to PNC corporate in Pennsylvania, who would handle the titling XXXX would send it to the local office, who would handle the titling XXXX would send it directly to me, to take to the DMV PNC needs more time to process the request I have called multiple times and been told multiple things. It has now been over three weeks since I signed my loan documents, with the first payment coming up on a car I can not even drive because it is not registered to anyone, and neither myself nor PNC hold the title currently. Yesterday ( XX/XX/2018 ) I was finally reached out to by XXXX who told me XXXX was sending it directly to me, to my address, which I confirmed with XXXX. She stated they either sent it out on the previous Friday, or they were sending it out that day. Today, ( XX/XX/2018 ) I received notification from my ex husband that he received the title ( XX/XX/XXXX ), at his address, with the title still in his name. I yet again reached out to PNC on XXXX and was asked for a third time for my name and number so someone could resolve this to me. I told them multiple times I would be submitting a CFPB complaint over this atrocity. | ||||||
| 12/22/2016 | Yes |
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| As of XXXX/XXXX/2016, my account is overdrawn due to a transaction that should have never been allowed to occur. True, this was a preauthorized transaction, however, the funds were not there. I had a balance of {$3.00}, and the debit was for {$97.00}. PNC elected to pay this for me, even though the money was not there. I called the service center to explain that my account would remain negative until I received my next pay check, which would not be until the XXXX/XXXX/2016. I asked them why they paid the debit instead of returning it. PNC 's response was that they base it off of customer history. They acted like they did me a favor by paying the debit. At that point, I tried to get them to act proactively instead of retroactively. I explained that fees would still be adding into my account, and that it was n't fair because PNC should have never paid a transaction that the funds were not available for. The gentleman told me that the fees would have to be dealt with after they were incurred. I, as the consumer, do not have time to worry about whether or not PNC will refund these fees. I feel as if PNC is aware of the hardships they are causing their customers just based off of the complaints I have read in this database. They are charging fees that are unfair, and not allowing me time to fix the negative balance without charging me more money. In reality, they are causing a lot of trouble. Because the account has been negative for more than 4 calendar days, they are charging me a {$7.00} daily negative balance fee for up to 15 days ( totaling as much as {$100.00} ). By the time I am able to bring this balance positive, I will have incurred more in fees that the original debit. And because my account will have had a negative balance for fourteen days, it is a risk that it will go into a closing state. If that happens, then it will go on record that I owe PNC money, and I WILL NOT BE ABLE TO HAVE ANOTHER CHECKING ACCOUNT BECAUSE OF THE BAD MARK ON MY BANKING HISTORY. I have never owed money to a bank, nor have I put myself into that position. I would appreciate it if PNC took me out of that contention. I blame them for this whole issue. I think they are trying to get extra money from me, to the tune of {$140.00}, plus the original debit of {$97.00} ; totaling {$230.00}. This system PNC has is not set up for consumers. It is set up for them to maximize their profits by feeding off the little people. | ||||||
| 10/30/2018 | Yes |
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| PNC is in violation of CAHBOR and acting as a foreclosure mill. PNC is illegally without cause trying to foreclose on a property without any valid reason. These issues are all being documented. Should PNC continue their illegal activity there will be a wrongful foreclosure lawsuit brought against PNC and we will seek out other potential victims for a possible class action suit for PNC 's illegal and unethical activities. At issue are loss mitigation requests that have been submitted to PNC that were improperly denied. The latest review was on XX/XX/18. PNC denied the request but wouldn't even say why they denied the request. It took a written formal demand requiring specific reasons as to denial of loss mitigation options. PNC 's response took an unbelievable 30 days to respond. Denying a homeowner a loss mitigation option when CA law requires lenders and servicers operating in the state to help avoid foreclosure without a detailed explanation on that denial upfront is a violation of that very law, CAHBOR. Requiring a formal demand with a detailed explanation and then taking 30 days to respond is criminally negligent. PNC put up these ridiculous obstacles to take away legal time homeowners have during a default process. They ate up time to get closer to foreclosure. Adding insult to injury the letter provided as to the reason for denial contains NO VALID reason for denial whatsoever. The two reasons cited in the letter ( attached ) are 1. The signature of the co borrower doesn't match records 2. Co borrower was removed from title. Number 1 is handled with a simple notarized affidavit and driver 's license that clearly prove the signature belongs to the co borrower. Standard industry practice of lenders and servicers is to ask for this information when there is signature discrepancy. Instead PNC chose to hide such an inconsequential discrepancy for the purposes of illegally denying borrower 's right to avoid foreclosure. 2. Co borrowers can remove themselves from title if they want. As the letter states it has zero bearing as to whether they are still liable for the debt. The two have nothing to do with eachother and since PNC acknowedges that co borrower is liable for the debt they also acknowledge co borrower was participating in the short sale request. So there is no reason for denial whatsoever. The fact that sentence was added to their letter shows how grossly incompetent PNC actually is. | ||||||
| 10/29/2017 | Yes |
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| I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX for the interview and job briefing. I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this | ||||||
| 08/24/2018 | Yes |
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| Hi, I received a brochure from PNC Bank saying if I refinance my current PNC Mortgage to a Harps mortgage loan and also open a checking account, I would receive {$400.00} incentive in my checking account. The condition ( s ) of the incentive is : ( 1 ) initiate a direct deposit within 60 days. ( 2 ) Make 3 bill payments within 60 days. I talked with XXXX the loan officer at that time and confirmed it. He opened the Mortgage loan and a checking account. I fulfilled all the requirements from my end and still didn't receive the {$400.00}. I contacted XXXX who escalated it to XXXX who then escalated to the customer relations officer with no result. All they said is that I did do a direct deposit and 3 bill payments but made one of the bill payments which is initiated through my other bank and came out of my PNC Bank?? How does a non employee know if it is different when it is initiated from PNC or other Bank? All I know is, the payment came out of PNC bank. I also called XXXX and another employee of the bank before the 60 day period ended, to confirm that I met all the requirements, who did confirm that I met them and to wait for my {$400.00}. If the employees ' themselves don't know the technicalities of the account, how can you expect it from others? Also, I called before the 60 days, so had I been told that one of the bill pay will not be counted towards the incentive, I would have initiated another one since I have plenty of time then. Bottom line, I am not happy with PNC. My other banks ' will go out of the way to help for being their customer but never have I seen a bank like this who said that it is up to me, if I decide to close my accounts with them. I have been an excellent customer for them for over 14 years with 2 Mortgage loans, credit cards, checking accounts and money market accounts! Is this how they treat their loyal customers? I feel like I am being scammed of my {$400.00} and now I am ready to close my Mortgage and my credit card and also my family members ' other 2 accounts. I know, that I should have brought this complaint long ago, but better late than never! I want others to know not to fall for this kind of incentives from PNC, they will beat you up with technicalities which you will never know. . I was busy then and didn't get around to write this sooner, but I still have my mortgage and credit card accounts with PNC, so I am bringing it now. Thanks, XXXX XXXX | ||||||
| 03/24/2022 | Yes |
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| I financed a new XXXX in XXXX of XXXX with BBVA. Last year PNC announced that they would be taking over BBVA and all of its loans. Immediately there where problems for my account. I was locked out of my online access, the hold times were extremely long, I could not pay my car note the weekend it was due because the systems were down for the merger. Once the systems are back up I start getting calls and text from PNC about my bill. I assumed that this was a mistake because I had made a whooping XXXX payment on my own previously so there should be no way for me to be late or owe anything at that current moment. The calls, text, letters, and emails consistently continue to roll in. I finally get a moment to call PNC back, I hold on the line for XXXX minutes to get a rep to tell me the big hoopla is over {$70.00}. Even tho I paid XXXX to this loan in advance I was harassed for {$70.00}. PNCs explanation? The way their system applies the payments aint was {$70.00} short on a future payment and thats why I was being harassed. A couple of months lateXXXX XXXX XXXX XXXX XXXX and was XXXXd with XXXX. I called PNC to let them know ( the hold time, still ridiculous ) and see how I could work with them on payments until Im back on my feet and they have me make a huge payment and take XXXX of my note for 3 months that will go to the back of my loan but only if I can make those 3 payments in full on time. XXXX of XXXX is still a lot. Im asked a million questions just for that?!? The rep gives me another number to get another depart that may or may not be able to do anything for me but Im for sure in for another long hold. After over an hour I hang up. I try a few more times to reach that department, and then I try to refinance directly with PNC but I was denied after I was encouraged by their suggestions via email and in my portal. My credit score drops from this and I get a new inquiry. 2 weeks ago PNC reports a late payment to the credit bureaus and puts a note that its because of a natural disaster. This company is impossible they are rude disrespectful and unhelpful. They dont care about anything but hunting for blood. They are a horrible predator in the financial world and I got stuck with them with no choice and no way out now they are ruining my credit so Ill never get back on my feet sending me loan notices that I owe XXXX immediately. Even 2 car notes is not that much but they didnt give a reason why. | ||||||
| 01/11/2022 | Yes |
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| I received an unknowingly fraudulent text message from PNC bank stating I was attempting to make a purchase for {$900.00} at XXXX with the last four digits of my debit card and if valid reply YES if fraud reply NO. I replied NO and immediately received a call from PNC fraud prevention phone #. The man on the line stated he was from PNC fraud prevention and that my debit card was attempting to be used at XXXX in FL, he said my card was compromised and that they would be cancelling my current card and sending me a new one. He also stated that I had outgoing wire transfers pending which I also stated was not me and fraudulent. He stated he needed to verify identity by sending a code by text message and me repeating the codes to him. The call became disconnected and I went to my computer to log in to my PNC online banking to see if anything posted. It would not allow me to login stating I had incorrect password. I saw in my email that my password had been changed, which I had not changed it. I immediately called PNC fraud # back and they stated there was no record of call to me and that I had two wire transfers in process totaling {$1900.00}. I asked them to immediately cancel transfer because I did not authorize this. I was told then wire department had to be contacted to complete this. I waited on hold with PNC for almost two hours and then left work early and went to PNC branch in XXXX XXXX IL. I spoke with XXXX there who tried for another two hours to contact wire department. I again called the next day Friday XXXX on was on hold for 4hours 36 mins and unable to get any assistance or get call through to wire department. I again went to PNC branch and spoke with XXXX and XXXX who stated they would escalate my concern to management and I will receive a call. I have not received any correspondence back now on XXXX. My account which had {$1900.00} balance was completely drained and two payments of {$500.00} and {$210.00} that I had sent to pay a credit card were overdrafted from my account and then put on a PNC credit card along with getting charged {$50.00} dollar wire transfer fees, {$50.00} dollar overdraft fee, and {$43.00} cash advance fee. My PNC credit card that I had {$0.00} balance now has {$760.00}. Please help I have never made a wire transfer XXXX and was not even aware this was possible through online banking. I was hacked and should have zero liability fraud protection for this account. | ||||||
| 05/10/2018 | Yes |
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| On XX/XX/XXXX I have opened an account responding to PNC bank {$300.00} checking account promotion. The promotion stipulated a {$5000.00} or more deposit of new funds within 60 days of account opening in form of direct deposit. As XXXX XXXX I informed the account opening person that the amount of money will be deposited in several transactions including two coming from IRS and IL state govt as well as overseas wire transfers. I was told that it will be fine. Subsequently I left on overseas work assignment which lasted from XX/XX/XXXX to XX/XX/XXXX. In my absence I received two notifications from the IRS dated XX/XX/XXXX stating that two attempts by the IRS to deposit the {$4200.00} refund were rejected by the bank. I also received a notice from the IL Dept of Revenue dated XX/XX/XXXX that the {$990.00} deposit was rejected as well. I confirmed the account and routing number with both IRS and IL Dept of Revenue and I was also informed by the XXXX, IL branch mgr XXXX XXXX that the account info provided was a correct one. Subsequently as sign of good will I attempted to deposit the check for {$4200.00} drafted on both my wife and me to my account at PNC Bank but the check was refused. First the branch employees at XXXX, IL informed me that it is a federal regulation requiring the bank to have both check beneficiaries present at the time of deposit and the deposit will be performed only upon the successful conclusion of the ID check. The check was already signed by my wife. When I responded that I know provision of both Patriot 1 and 2 Act ( as journalist I covered this legislative product quite extensively ) and the provisions do not require both depositors to be present with their ID, the branch personnel changed their story that now it is " bank 's policy '' When I asked to see that policy I was refused stating that the policy is internal and proprietary and they are not required to show it to me. Subsequently I contacted the PNC Bank corporate and the company still didn't explain why both of my tax returns were rejected. As far as my paper check is concerned I was told that it is again " the internal policy, '' and the bank was within its right to refuse it. It is my belief that the bank purposefully rejected both electronic deposits totaling {$5000.00} so the transaction threshold qualifying me for the bonus would not be met therefore the bank wouldn't have to pay the account opening bonus. | ||||||
| 02/11/2016 | Yes |
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| I have been a customer of PNC for almost three years. I believe that PNC targets their consumers who once they have reached a certain amount of overdraft fees, they just add erroneous fees later. Example. Last year I had a lot of bank issues and I had {$180.00} worth of overdraft fees. This year I decided to keep better track of my spending to avoid these fees. In XXXX my account was overdrawn {$60.00}. PNC 's policy is you have until XXXX to bring it current otherwise you will get a {$36.00} fee. I took out a payday loan of {$100.00} and put it in my account, so I had a positive balance. The next day PNC charged me {$36.00}! I immediately called the branch the manager argued with me and said that even though it 's not PNC 's error she would refund my OD fee since I did get a payday loan to avoid it and she wants to acknowledge my effort ... Since my OD was refunded I did n't proceed any further. Now as of yesterday I had XXXX deposits. XXXX for {$8000.00} another for {$160.00} and another for {$750.00}. Prior to the deposits my account balance was - {$17.00}. I put {$17.00} on my card which left me with {$.00} overdrawn and PNC policy is any balance {$5.00} and under will not get a fee.. I wake up with almost {$10000.00} in my account and I see an OVERDRAFT FEE!! Because a check for {$110.00} was processed BEFORE they let my credits come through! They do n't time stamp when debits and credits come through for the purpose of being able to process debits before credits. Because since my balance was XXXX cents they allowed the {$110.00} to be processed so the {$36.00} fee could be charged and THEN they let my credits come through. I spoke with another employee who advised that while they can see where I would think their system is triggered that once you hit a certain dollar amount of OD fees, they will just throw random fees at you. She assured me that 's not the case even though she could n't admit which transaction came first the debit or the credit. Based on yesterday me getting an overdraft fee based on them saying the debit was first but they do n't time stamp so they ca n't prove it, then they do n't need to be charging fees!! How many other people have they got with this technicality? Basically we do n't know which came first, but we are going to benefit from this either way???!!! I geniuinely feel that if you all start and investigation you will find that PNC has very shady practices. | ||||||
| 09/01/2015 | Yes |
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| PNC Mortgage Escrow under paid XX/XX/XXXX property taxes which resulted with XXXX lien placed against our property. XXXX PNC motivates us ( via phone call ) un-freeze our equity line of credit with them because values are up again. They charged XXXX dollars, then turn us down. Our PNC Mortgage and PNC Equity Line of Credit are on the same property. This all happened XX/XX/XXXX. Regarding the XXXX created by XXXX underpaid property taxes. I found out only after my XXXX credit score went from XXXX to XXXX in one quarter. After researching, I was shocked to fine a XXXX lien on our house due to the XX/XX/XXXX underpaid property taxes. With more digging, found out that a 3rd party entity purchased the tax lien from the city/county. With the potential then to be sold on the county court house steps. After notifying PNC, they claimed no knowledge. I went to the 3rd party entity to please print the XXXX information and sent this to PNC. Their Escrow department blames us for not keeping them up to date with the property taxes. They claim we lost an appeal while we actually were successful in getting the property taxes reduced from XXXX to XXXX. With more complaining, PNC eventually did pay back taxes. They are not helping to get the XXXX removed from credit and claim not their problem when it was them not paying the taxes that created the lien. Having an escrow account, I thought was to help protect our property taxes being sold to a 3rd party entity, then sold on court house steps. PNC accountability to customers, mis-management of escrow has caused serious damage to our credit. After the XXXX ordeal ; ( this summer ) PNC guided me toward unlocking an existing PNC Equity Line of Credit on the same property. Person on PNC phone marketed how easy it is to unfreeze an equity line of credit due to values going up again. Simply pay XXXX to have your account un-frozen. Not an issue. They denied the unfreezing of PNC Equtiy Line of Credit. We live in XXXX and next to XXXX ( Where properties have seen values soar ) ; We also live on XXXX 's new green park system called the XXXX. Was it the XXXX that PNC created, then used to deny us? or was it the Appraised value which is also very questionable. We are very concerned with the mismanagement of escrow and marketing used. And also want to help prevent this from happening to other people that have escrow accounts that pay for property taxes and insurance. | ||||||
| 01/19/2019 | Yes |
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| I was a victim of a fraud scam that occurred on XX/XX/2018. The scam involved me sending an unknown recipient money via the XXXX app associated with my Pnc checking account. A total of {$830.00} was lost to the scammer. At the time, I had a balance of {$0.00} in my PNC account because I had moved to a new location that didnt have any PNC banks and therefore transferred all of my money to a different bank. The scammer sent me a bad check for {$1300.00}. I cashed it at PNC. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my PNC bank account. I reported the incident to my bank, PNC. I also filed a police report. PNC sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. During a phone conversation with a pncs Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. The man I spoke to said I dont think anyone at PNC would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. My complaint with PNC and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? People put their money in banks to keep it safe. Why was the such negligance by the bank here in my account? | ||||||
| 01/18/2019 | Yes |
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| I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. I spoke with XXXX and they gave me my options for addressing the situation. There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House procedures. They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. So I have now spent four hours on the phone today. I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX | ||||||
| 04/18/2022 | Yes |
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| I opened a business checking account with PNC BANK on XXXX EIN- XXXX. My business didn't do well. They started charging me {$10.00} fees every month. They called it maintenance fees. Moving forward I went to close the account on XXXX inside the branch. The attendant gave me the remaining balance and told me she couldn't close the account due to pending transactions. I asked her before she let me go was there any documents I needed to sign and copies to prove my account is closed. She told me no and I left. When I left a XXXX man came in with a briefcase and walked right in as I was leaving. I remember it like it was yesterday. She would call me and notify me when the account is closed. She called me and told me the account was closed. FDIC rules and regulations upon closing an account your suppose to provide me with my last bank statements, sign a closing account form to make it official and give me disclosures. Of which it never happened. I am grateful I printed out bank statements of my account and I have evidence. Today on XXXX I went to the branch I asked to speak to a supervisor. I went in the office and she begun to make phone calls to antagonize me and intimidate me and pretend she was confused that I didn't know what I was talking about. I told her I want my bank statement and the account closing form I was suppose to receive and she refused to give it to me. She then showed me my account and told me my account balance was on {$0.00} when I closed the account and stated there was no forms I was suppose to be given. They are lying and trying to cover up information of a money laundering scheme going on with my bank account. i don't want one day to have the government at my door due to an account i thought I closed and technically I didn't when the bank is the one in charge of this fraudulent scam. I can only imagine how many people who think they closed accounts and they are still active because of this bank taking advantage of certain demographics of individuals in certain zip codes who aren't aware or don't know the laws or rules and regulations to see these things are happening. I almost didn't see it and they could've gotten away with this if I wouldn't have done my research. If someone can please please investigate on this matter. I am exhausting all my chain of commands until something is done. This is illegal and it should not be happening. Thanks In Advance, XXXX XXXX | ||||||
| 08/27/2019 | Yes |
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| On XX/XX/XXXX I went to the PNC Branch bank in XXXX XXXX, FL. I told the representative I needed to wire some money to a bank in XXXX XXXX, however it was to a US Account. I had some written instructions ( attached ) which I showed to her. She said I would have to have and ABA number to transfer to a US account and would need the recipients address. I left the bank that day to obtain the information. I asked the recipient for his address and if there was an ABA number. In hindsight, the PNC representative did not understand the meaning of a US Account with a XXXX Bank. I returned to the bank on XX/XX/XXXX with the information the representative requested. At that point I met with another representative. I gave her the same written instructions. She began the process, but had difficulty with what information to put in the computer. After a while the first representative I met with came into the office to assist. Neither of them ever called PNCs international wire phone number to ask questions or get assistance. After several tries of putting various combinations of data into the computer, they finally got it to go through The representative told me I could make the transfer in any currency I wanted. I was not sure, so I said XXXX pounds. In hindsight, she did not understand a US account with a XXXX bank either or she would not have asked me that question. She would have known just to do in in US dollars. She never advised me of any charges that could be expected by making the transfer in this manner. {$9400.00} was withdrawn from my bank account and {$8800.00} was deposited in the recipients account. Somewhere in fees, conversions, etc., I lost {$610.00}. I asked about the loss in PNCs secure message service. The bank representative who responded said she was filing a complaint. I asked how to get a copy of the transfer information and was given a telephone number to request it. I received the report ( attached ) which does not give me the information I was expecting. When I requested the report the PNC representative said they thought the large fees were because the money was converted twice. In summary, I feel the PNC representatives did not have the knowledge to make the transfer in the correct manner therefore costing me hundreds of dollars. They did not present useful information including fees, exchange rate and net funds to be delivered, before completing the transaction. | ||||||
| 12/17/2021 | Yes |
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| My first comment is that you did not allow me to make a selection based on FRAUD. Money was stolen from our bank accounts. If you are not the department that handles fraud please advise me asap. I will continue with this complaint in the hope that you CAN offer assistance. I am a resident of AZ an was visiting family in the XXXX area. My parked/locked vehicle had a window smashed and my purse was stolen from it @ noon on Sat. XX/XX/2021. I filed a police report with the City of XXXX, OK immediately, and can provide that info if needed. I called PNC Bank that same day and reported my debit card stolen and asked them to cancel it, to put an alert on my account, and send a new card to my AZ address, which they did. I returned home via car as I had no ID to fly back. Then @ 3 weeks later, on XX/XX/2021, XXXX rec 'd an email from PNC Bank that my checking account was at a {$0.00} balance and I immediately drove to our local branch in XXXX XXXX, AZ. The teller, XXXX XXXX, informed me that 3 checks had been cashed out of our account at 3 different branches in Alabama for a total of {$12000.00}!! Our Money Market account acted as overdraft protection, so they processed all three checks even though that much was not in our checking account!! I explained to XXXX about my identity theft and brought him a copy of the police report the following day. He had me sign 3 separate affidavit forms, stating that I had nothing to do with those withdrawals- it was blatant fraud. Since then I have left numerous messages with PNC 's Customer Service line and even on their Fraud Investigation line. I got a phone call once from ( sp? ) XXXX XXXX, asking if anyone had contacted me yet. I also spoke to and received an email from XXXX XXXX, a Case Mngr in Retail Support XXXX, ext XXXX in which she advised me it could take up to 120 days for our money to be returned, and then suggested it may only be 30 days. She indicated our {$12000.00} COULD be returned by Sun, XX/XX/2021 but I have called her back & left a message to confirm that, and have not heard back from anyone as of writing this complaint. This is an extreme hardship on us to have that money stolen and not even been given a provisional credit to help us through to pay our bills, especially at XXXX time. The way they have ( not ) handled this is totally unacceptable to us. It has been 30 days since our money was stolen and we need help to get it back! | ||||||
| 01/10/2019 | Yes |
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| I had a bank account with PNC 4 years ago, and I needed to close my checking and savings account when I moved to XXXX, because PNC has no branch in MA. Last time, when I had to close an account, I went to a branch and had someone help me in person. However, since PNC does not operate in MA, I had no other choice but call the customer service line to close an account, and I had no idea how to close an account via phone. The agent that spoke with me on the phone back in late XXXX told me that once I transfer all my money out of the accounts, I could call them and they would close the accounts for me. But he did not tell me what happens if I don't call and not properly closing my account. Coming from XXXX, I had no idea debit cards could overdraw. Therefore, I believe it's PNC 's responsibility to acknowledge me about overdraft charges. And because PNC 's customer line always take a long time to get connected, I didn't call them on time, and was not aware my account was getting overdrafted. Starting XX/XX/XXXX, because my XXXX account was automatically linked to my PNC account, every time I use XXXX to make a payment, I get over charged for XXXX dollars at PNC. I was not aware of the charges because I knew I had no money in my PNC account, so when XXXX say : transaction is not completed, I then would use my new debit card to make the payment. In mid XXXX I went on my online banking and saw I was charged for {$300.00} and more overdraft and overdrawn fees. I was connected to the retail escalation group for some help, but they told me it's not a bank error and they can not help me. The agent was also out of the office for about 2 weeks and I was not able to get in touch with her. As a result, my account now is charged off, I was not notified and couldn't use online banking. I personally do not think PNC valued me as their customer. As a foreigner, I was not aware of banking in the States and I believe it's the bank 's job to inform me about the consequences of not closing the account properly. PNC didn't do their job to inform me and all the other people ( foreigners ) who is not aware of overcharging. Instead, they let me getting charged overtime. I am a student and I don't have the money to pay off this ridiculous amount of fees. PNC said they could not help me file more complaints and therefore I decided to contact the CFPB to help negotiate. Thank you for your help and understanding. | ||||||
| 06/30/2023 | Yes |
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| I lost {$1000.00} cash right in front of my eyes on XX/XX/23. It was so bewildering that I'm reaching out here. On XX/XX/23, around XXXX PM, I went to the PNC bank Mt. XXXX XXXX to deposit a total of {$2000.00}, consisting of XXXX {$100.00} bills. There was XXXX teller attending to another customer at the counter, so I filled out a deposit ticket. When it was my turn, I handed the cash and the deposit slip to the XXXX teller who was wearing a mask. We engaged in small talk about the mask. I couldn't see what she did with the money afterward because the area visible to me was narrow. Then the teller told me that I only gave her {$1000.00}, despite me double-checking that it was {$2000.00}, both before arriving at the bank and after. I explained this fact to her even after we arrived at the bank, but her response was that she only received {$1000.00}. The teller started counting the money and claimed that her balance was correct. I was dumbfounded because I was certain that I had brought XXXX {$100.00} bills with me, and I confirmed it before leaving and after arriving at the bank. In the meantime, another customer overheard our conversation and suggested that it would be best to report it to the police. So I immediately reported the incident to the police. Shortly after, an officer arrived, and I explained the situation, but the bank representatives said that all they could do was check the balance after completing their tasks. Later, around XXXXXXXX XXXX, the branch manager arrived at the bank and repeated the same story. So I waited in front of the bank until they finished checking the balance. It was past XXXX PM when the bank manager informed me that the extra {$1000.00} was not found after confirming the balance. Then, the only thing left for me to do was to contact the police and request XXXX footage review. I left a note requesting the footage review. Now, it seems like this is all I can do, so I'm leaving this message here. Please, help me find the missing {$1000.00} that disappeared right in front of my eyes. I feel incredibly unjust about this. I reported the incident to the bank 's customer service call center, but I haven't received any response. The branch manager mentioned that they would conduct an internal investigation, but they said that they wouldn't contact me separately. It's really disappointing that the bank is not taking any action in this situation. | ||||||
| 08/04/2022 | Yes |
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| For some years I had been a member of XXXX and in the fall of last year it was acquired by PNC bank. Part of the information mailed out to me was that I would get a new card among other things for my account, which never happened. As this was a secondary account I had just in case I needed a local bank I didn't think much of it as I didn't need daily access to the account. Fast forward to this summer after I've moved and imagine my shock when I start getting forwarded mail that my bank account has been emptied due to service charges and paper statement fees. My account at BBVA had no minimum balance required to avoid service charges, nor was it set up to send me paper statements. It's awfully predatory to acquire a bank that provides free checking and then switch all those customers over to a product that requires a non-trivial balance and then start stealing their money without sending explicitly worded letters and an easy way for them to close their accounts. The best part now is I can't even easily access the small pittance of money PNC has left me because after calling them on XX/XX/XXXX they somehow can't give me access to my account and now I'm left in limbo waiting to hear from them before I can take any further steps. I don't want to, nor have I ever wanted to bank with PNC, at this point I just want them to return the money they have stolen from me ( it's disingenuous to call this anything other than theft when they actively pursued and acquired a bank with no minimum balance and then switch everyone over to paying service charges without any other easy option ) and close my account. I fear without making this complaint I will keep getting the run around ( they couldn't even get my access to my account when I called ) and they will try to hide behind the fact that they sent out generalized mass mailers when the acquisition of BBVA occurred despite this mass mailers having little, if any directly actionable information ( how can I log into my PNC account without the PIN or debit card they said they would send? ). Let me reiterate, the average banker expects their accounts to stay the same even through an acquisition, not to suddenly start being charged fees that weren't even a possibility when they first signed up for the account. How this is considered an acceptable or legal practice to acquire smaller banks and start fleecing it's customers for thousands is unbelievable. | ||||||
| 10/10/2021 | Yes |
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| Beginning XXXX, our home was designated flood area and our mortgage carrier BBVA compass sent out a notice that we must purchase floor insurance by XX/XX/XXXX. If we don't comply, they will purchase one for us. I began my search for a carrier by asking my insurance agent on XX/XX/XXXX. It took about 2 months to obtain my own insurance which went into effect XX/XX/XXXX at annual cost of {$650.00}. BBVA collaborated with a company, XXXX XXXX XXXX XXXX ) to provide coverage beginning XX/XX/XXXX. They charged me {$2900.00} for a 12 month period, which is substantially higher than the rate I received from the carrier my agent found for me. I didn't realize obtaining flood insurance takes such a long time, and I assumed my mortgage company would find us a reasonable coverage with market standard fees. That is the only reason I didn't attempt to find my own coverage. Now I learn the fees charged by XXXX is exorbitant and not a customary price for this type of insurance. A $ XXXX monthly added cost to my mortgage payments, would send me into foreclosure during this tumultuous period and I can not believe BBVA would in good faith cause such harm to their clients. It was this outrageous pricing that prompted me to look for another carrier. I started to think BBVA and XXXX cornered us into accepting this ridiculously priced policy because they thought we are clueless consumers without a choice in the matter as truly many of us likely are unfamiliar with flood coverage mandates. According to XXXX XXXX XXXX XXXX, that legislation on flood insurance has taken numerous twists and turns since inception in XXXX, and even so " the flood insurance requirements are still the least understood and most violated. '' I believe I am a victim of bankers and insurance company taking advantage of my naivety. I reached out to BBVA and the insurance handling department several times to ask for forgiveness and refund of {$760.00}, but got the same response : " we are required by policy to carry flood insurance and that date of coverage was XXXX, and we can not remove the charges. '' Furthermore, because BBVA sold to XXXX XXXX, and they will not handle any more calls or complaints at this time. There were not flood related claims during this period. I didn't need the coverage and would never have agreed to their exorbitant pricing had I been given a chance to search for a similar product on the free market. | ||||||
| 11/05/2021 | Yes |
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| I'm a BBVA ( now PNC ) customer. My company ( about $ XXXX/yr ) was already at PNC so I thought this transition would acutally be helpful, having it all under 1 roof. I recieved information & instructions about the transistion and all looked good. I received a new ATM card that I was told to activate. Little did I know that my old ( BBVA ) card would be cancelled at that point. The new card didn't work citing 'chip malfunction ' in the store. I tried to go online and was ( as expected ) redirected to PNC. The old credentials didn't work as they said it would so I had n access to any of my accounts ( checking + savings ). Called customer service which went to a call center ( sounded like XXXX ) and was hung up on after 14 minutes listening to elevator music. Looked for a local branch to visit in person, found one nearby ( XXXX AZ ) which turned out to be a solution center, so I thought yay. The banker (? ) told me he would fix it. Got a new ATM card right there, checked it right away in the ATM there and seemed to work. Online access got fixed too but the phone App did not. Alas, at least I would access my account and use my card, after 2 weeks. He wrote my account number on his businsess card so I would modify all my bill pay, including my accountant for my paycheck. Also I noticed I got overdrafted because I had no access to my accounts ( saving had $ XXXX in ). WAs unable to link new ATM card to XXXX XXXX, said I need to call customer service. I gave up on that one. Quickly moved {$260.00} or so to undo the overdraft. Few days latwer I checked there was still {$0.00} overdraft. I couldn't fix this because the minimum transfer is {$0.00}. Noticed 1 day after payday that my paycheck wasn't there. Came to realize that the account number that the banker gave my was a completely different number from what I could see online. Fortunately paycheck bounced and didn't go to a strangers account. Had to move more $ out of savings to be able to pay bills on time. Went back to the XXXX XXXX ', got a cashiers check for my savings acount ( $ XXXX ) and deposited it at a new local bank, at least that worked, yay Fortunately I downloaded most bank statements ( from BBVA ) as PDFs ( except XXXX ) so at least I have most history, because that got lost too. I've work in XXXX and this is by far the most incompentent bank I've ever dealt with. Whatever I've written isn't embellished in any way. | ||||||
| 10/13/2015 | Yes |
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| I filed a complaint against PNC Mortgage in XXXX or XXXX against the process thy use to process they use for providing a mortgage modification, During that time I provided them I provided tyhem with all the requirements for a HARP mortgage modification based on the fact that I had retired in XXXX of this year and my wife lost her job in XXXX also. They changed the dates required for responding to my complaints and moved forward with a foreclosue date. The date was cancelled and changed a couple of times because they were not being honest with my wife and I. I no longer trusted PNC and decided to perform a short. My real estate agent XXXX XXXX, XXXX received permission to enter the process as my spokesperson with PNC in order to carry out the short sale. To my knowledge he received permission from PNC to perform the short sale and begfin getting the property ready in XXXX, he immediately received a offer in the amount of {$450000.00} for the property which is more than fair considering the property is under water. Recently PNC informed XXXX XXXX that they were not going to accept the dshort sale because we had not provided XXXX documents, Profits and loss statements for my wife ( which they do have, and tax documents for XXXX and XXXX, they have XXXX, and we werer given permission by the IRS to filer our XXXX taxes late, They also stated thzat we failed to meet the 38 day requirement for sending them documents that they in fact already had. According to many real estate agents the 38 day requirement does not exist The fact that they gave my agent above permission to sale is the only requirement I needed to move forward. We have done everything requested of us during this two year process and PNC has not been honest with us, they change contact staff for me constantly and I am unable to make contact with that person and therefore I am constantly speaking with someone different each time I attempt to contact PNC. They constanly start the process over requesting the same package and documents that I have already faxed to them.You currently have a complaint on record filed against PNC with recommendations from Senators XXXX XXXX, and XXXX XXXX informing me that should file a complaint with your agency and now I mus t file again because they are foreclosing on my property on XXXX XXXX, and I feel that they have no right to carry out this un fair procedure, We need help immediately.XXXX | ||||||
| 05/20/2015 | Yes |
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| On the XX/XX/XXXX when I wanted to withdraw money from the ATM, the transaction was denied that I should contact my bank. I XXXX logged into my account via my iPad and to my surprise, discovered that there had been XXXX unauthorized transactions ( ATM withdrawals and POS ) totaling {$4700.00} that were carried out on my PNC bank checking account on the XX/XX/XXXX in Michigan State. Also I found out that there was an unauthorized transaction ( {$8.00} ) at a XXXX store in Michigan state carried out on the XX/XX/XXXX. I reported this immediately to PNC 'S customer service representative who informed me then that they had blocked my account to have me call the bank to verify if it was me that did the transactions the previous day. I told her clearly that I was not the XXXX that carried out the transactions neither did I approve or authorize anyone to do it. She then said that she would credit back the ATM fees and balance inquiry fees ( total {$12.00} ) that were debited to the account. She then submitted a claim reversal for all the unauthorized transactions and also gave me a reference number XXXX for the disputed claims. I am a XXXX and for sometime now, have been out of United States XXXX. In fact, I left the states in XXXX to XXXX where I stayed for XXXX months then left to XXXX XXXX where I stayed from XX/XX/XXXX to XX/XX/XXXX then back to XXXX for an XXXX. I still have my PNC bank debit card to the checking account and never gave out any account information to anyone. To my surprise, I received a letter from the bank written anonymously stating that they have completed their investigations and would not credit my account back to the amount of {$4700.00} for the XXXX unauthorized transactions. I then called back on the XX/XX/XXXX and spoke to another representative who then re-submitted the claims. Afterwards, on the XX/XX/XXXX my checking account was credited with only {$8.00} for the transaction at XXXX with a description of ( FINAL DISPUTE CREDIT ) meaning that the other unauthorized transactions totaling {$4700.00} were denied. I have tried severally to contact a supervisor or a manager that could help in resolving this issue but to no avail. I have only been transferred to leave a voice mail to an undesignated mail box. I have had a lot of phone " hang-ups '' and " run-a rounds '' on this matter so I decided to contact a competent authority to help in the resolution. | ||||||
| 10/16/2019 | Yes |
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| I changed a flight with XXXX XXXX on XX/XX/2019. I was charged {$150.00} dollars as a change fee, and have a receipt for this. On the same day I was charged {$200.00} by XXXX. There was no receipt, and I could not find any reason for this charge. I called XXXX XXXX, and they had no charge under my name, or my ticket confirmation, other than the {$150.00}. The {$200.00} charge was not coming up, and they told me to dispute it with my bank. I disputed the claim with my bank PNC and on XX/XX/2019 received a letter saying my claim has been denied. I then called PNC bank to talk to them about my claim, and to request documentation that they relied on in making the decision. No one could point me in the right direction. I spoke to at least 4 people, in several different departments. I was given a number to call, but upon speaking to someone in that department, they told me to go back and talk to the department I was just speaking to! That department then gave me the same number I had originally called! None of their employees could help me whatsoever. This was extremely frustrating, as all I wanted was to request documentation, as the claim denial said I had a right to. Yet there was no easy number to call, no department listed to address my concerns to. Eventually I was able to get in touch with a supervisor in their main office. She was able to help me resubmit a claim and to request for more information. However, she still was not able to see why my claim had been denied. Several days later I received my the documentation I requested. XXXX XXXX sent information detailing the charges. The Merchant Response wrote " The received dispute for the transaction date XX/XX/2019 of XXXX is invalid. '' However, they also wrote " Reversal is requested as cardholder has been charged twice for two different passengers. '' I was being charged for someone else 's ticket! XXXX even says reversal is requested! How could PNC not take this into consideration? The other ticket was not an individual I know, and obviously must have been some computer glitch. I feel that PNC has not looked into this matter thoroughly enough, nor have they made it easily accessible to get information which I have a right to. Long Story short : XXXX XXXX incorrectly charged me for someone else 's ticket change. When I disputed it with PNC, they denied my claim. Customer service with both companies was atrocious. | ||||||
| 07/11/2017 | Yes |
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| Hello, My complaint is to correct the negative information reported to the credit bureaus regarding my mortgage loan. On XXXX XXXX, 2017, I was approved for the NC Foreclosure Prevention Fund. All parties were notified. To avoid getting 30 days past due and avoid the negative reporting, I made the XXXX 2017 payment on XX/XX/XXXX, since I knew the program was not going make the XX/XX/XXXX payment in time. I called PNC @ XXXX on XXXX XXXX, 2017 @ XXXX XXXX to inquire on the XX/XX/XXXX payment to avoid a missed payment. I was informed that the bank received 2 payments that will be applied for the XX/XX/XXXX and XX/XX/XXXX payments since the XX/XX/XXXX payment had been made. I explained that I was calling to verify if I needed to make the payment so that the account does not go past 30 days. I also verified that there was no negative credit bureau reporting. The representative confirmed that there was no negative credit bureau reporting. I contacted PNC @ XXXX on XXXX XXXX, 2017 at XXXX in response to the letter dated XX/XX/XXXX. The representative informed me that the payments were received and to disregard the letter, it was mailed in error. I explained the date on the letter and also asked to verify no negative credit bureau reporting. The representative confirmed the two payments were received from NCHFA and there was no negative credit bureau reporting. I contacted PNC @ XXXX on XXXX XXXX, 2017 @ XXXX in response to the letter dated XXXX XXXX, 2017 regarding negative credit bureau reporting. I informed XXXX of the prior calls and asked about the negative credit bureau reporting. She advised me that the negative credit bureau was because the XXXX 2017 payment was posted to the account on XX/XX/XXXX. I advised of the prior calls and asked to dispute the information. She said that she ca n't account for anyone else, but she is telling me that PNC reports when a late fee is applied to any account. I explained that the payment did not exceed 30 days and did not warrant a negative credit bureau reporting. She said because after the XXXX the late fee was applied to the account, PNC reports that information. I explained that I would like to dispute since I called 2 times prior, the calls are recorded and the payment was past the 15 days but not 30 days late. She said that she would submit a complaint but they will not do anything about the negative credit bureau reporting. | ||||||
| 08/19/2016 | Yes |
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| A short sale transaction was submitted to XXXX XXXX/XXXX/XXXX. This was a complete file. By XXXX XXXX, XXXX we found out that PNC had ordered XXXX appraisals and each were coming in around {$130000.00}. We received the attached denial letter in the mail. Stating the offer did n't meet the required NET. We were short by {$6500.00}. It took 2 months to reach this point. We were not countered, when the file was closed and PNC responded that USDA does n't allow counters. In discussing this with USDA they stated on XXXX/XXXX/XXXX that it was not true and in fact PNC makes that determination. So we countered the buyers and submitted the offer at {$120000.00} which was the required offer price. By XXXX/XXXX/XXXX we refaxed the completed short sale package, by XXXX/XXXX/XXXX were were notified the file was submitted to the investor for approval. On XXXX we were notified that the loss mitigation file was being closed out because the guarantor ( USDA ) was taking too long to issue their decision of approval or denial. She stated, however, that the file would be reopened once a decision was rendered. 2 days later we were advised that the file would be reopened only if USDA 's response was received prior to XXXX/XXXX/XXXX. If it 's not, then the file will be removed from loss mitigation permanently. We then opened a CFPB complaint over this case # XXXX inquiry ID on PNC end was XXXX. We never received any follow up on this matter. Buyers walked on XXXX tired of waiting. New offer was then signed on XXXX complete offer and full SSdocs submitted to PNC on XXXX. Today we called and were told the file was closed because of a " churn '' Policy which apparently means you can only apply for assistance so many times. First of all the borrowers only have applied 1 time for assistance. PNC is all its ignorance are the ones that closed this file and offer out not once but XXXX different times and the last 3 times had nothing to do with what the guarantee wanted nor what USDA guidelines state. I will be in fact bringing this story to our attorney general and and the media if this is not investigate immediately. This is unacceptable on multiple fronts. This seller fell into hardship when he was XXXX to XXXX in XXXX. This is completely unacceptable on so many fronts. He has been trying to work with PNC for a year and all your company has done is find excuses to close his file over and over again. | ||||||
| 04/07/2018 | Yes |
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| Organizations that want to do business with the U.S. federal government, and their state and local agents, such as XXXX XXXX Community Development, must have a System for Award Management ( SAM ) number to apply for federal grants and/or contracts. Although acquiring a SAM number is free, the application process can be cumbersome. In addition to a taxpayer identification name and number, XXXX XXXX XXXX number, and IRS review, organizations must have a bank account and routing number. Last XX/XX/XXXX, I was completing a SAM application for XXXX XXXX, the community development arm of Metropolitan XXXX XXXX XXXX XXXX XXXX XXXX, when I decided to search low-cost offers for small business banking. When I checked online, PNC, which has a branch less than a mile away, popped up. Great news, I thought. The ad read : Earn up to {$300.00} [ 1 ] when you open a qualifying PNC business checking account by XX/XX/18. Then I read the smaller print. Is your business located in zip code XXXX? If not, tell us the zip code where your business is located and well connect you with the offer available in your area : In the box below, I entered the XXXX and pressed Go to Offer. What message did I receive? Your business is located outside of PNCs servicing area. There are no offers available. '' An invitation for businesses in XXXX generated the same response when XXXX was identified as the location.The explanation in footnote [ 1 ] : Offer only available in select PNC Bank branch locations and only to businesses with an annual revenue less than {$5.00} million. " Outside the banks service area. '' What does that mean? What small businesses meet PNC 's criteria better than those in XXXX and XXXX? Both zip codes are in the heart of XXXX XXXX, and are populated with small businesses. Incidently, they are among the most racially and ethnically diverse areas in the city. Do households in XXXX and XXXX have sufficient incomes for PNC to accept deposits, but not sufficient not enough to do business with them? Not enough to ease the way for them to apply for federal grants and contracts? If PNC were the only bank in town, where would small businesses in those zip codes get bank accounts? Offended, I decided not to seek answers to those questions, but to do business elsewhere. Thank goodness for good and honest and community banking. Where PNC drew a red line, XXXX Bank rolled out the red carpet. | ||||||
| 04/23/2022 | Yes |
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| On XX/XX/XXXX, I applied for a Loan Modification with PNC Bank to refinance a PNC Bank loan ( XXXX mortgage for {$44000.00} ) that came due with a balloon payment. The monthly payment was $ XXXX and the loan was current in good standing secured by my real property. PNC Bank took an unprecedented 5 months to process this refinancing loan ( due to deficiencies in their operations losing/tracking my submitted loan documents ) and never to this day ( after 7 months! ) has provided a single document conveying loan term disclosures in violation of the Truth In Lending Act. PNC Bank approved the loan demanding XXXX trial payments of $ XXXX ( {$3100.00} total ). Yet, I have no information on how these payments get applied to the loan balance or what are the basic loan terms. I have been banking with PNC Bank for some XXXX years and why trial payments would even be necessary is a mystery. My primary mortgage is with PNC Bank, $ XXXX, this loan is current and has an excellent payment history. After the XXXX trial payment, I was informed ( informally via an email message ) that 90 % of the trial payments went to interest and only 10 % to principal this is a rip-off predatory practice. Had I received proper loan disclosures, I would have shopped for this loan at other banks ( my credit score is in the XXXX ). To make matters even worse, they reported payments I made in accordance with their payment schedule, as late to credit reporting agencies, when in reality, they were on-time and the delays of processing this loan was due to their dysfunctional business operations. For example, the payment due XX/XX/XXXX was paid on XX/XX/XXXX and the payment due on XX/XX/XXXX was paid on XX/XX/XXXX ; both were reported as late to credit reporting agencies. The XXXX, XXXX, payment was also reported as late, but no payment was defined because the loan took them 5 months to process and should not be reported late due to their operational failures. I have reached out to PNC Bank to try and resolve this matter with XXXX XXXX XXXX ( PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Office ), XXXX ( Toll Free Office ), XXXX ( Fax ), XXXX ). Supposedly, they are working on the credit reporting correction, but I have seen no results and nothing has been done to resolve the lack of loan disclosure and predatory payments where the bank kept 90 % of the mysterious trial payments as interest. | ||||||
| 03/30/2020 | Yes |
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| Sadly on XX/XX/2019 my husband passed away I notified the social security administration on XXXX the representative informed me that his last check for XXXX that was deposited on XXXX would have to be sent back by the bank and issued to me ( the beneficiary ) and that anything owed to the bank I would pay once the check was sent to me. He said that they could not pay someone if they were not alive on the date the check was issued. The bank never sent the check back to Social Security. After many attempts to get this resolved via phone calls emails and in person the bank never released the hold on the check The social security office said since they would not release the check I needed to contact the US Treasury Dept. I was grieving for my husband of almost 30 years and this was nonsense ... I then received a letter dated XX/XX/2019 from the bank stating account closed with a negative balance of XXXX. Then I received another letter from the bank dated XXXX stating account closed with a negative balance of XXXX. How could that be when it was supposedly closed on XX/XX/XXXX with a XXXX balance. They charged me XXXX per day for continuous overdraft fee after the account had been closed. Again how could that be? Now I have just found out that my GA dept of revenue tax refund was sent to this " closed account '' and they kept most of my money and cut me a check for the difference and I'm not even on the bank account. They never would speak to me because I was not on his account but they didn't have a problem keeping money that was in my name. I called the bank to let them know that the refund was sent to them error and after speaking with 2 people in the ACH dept I was told that there had been no activity on that account and that the refund check would be sent back to GA Revenue Dept. because it was a closed account. I received a call from the revenue dept and I was told to go to the bank and then call them so they could tell us where the check went to since it had been almost 2weeks and the bank said they didn't have it and the revenue dept never got it back. I went to the bank and the lobby was closed drive thru only I reached out again to the bank and was transferred 5 times and then put on hold for 56 minutes and then it was XXXX and nobody answered. Someone needs to make banks accountable. This is NOT acceptable. I have more documents to verify everything in this complaint | ||||||
| 06/13/2023 | Yes |
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| This is a continuation of previous complaint XXXX XXXX XXXX responded to my inquiry regarding my disagreement with the recovery modification monthly payments PNC is offering. I asked the following additional questions as it relates to the next course of action once the research is completed. As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered? Simple questions could be answered via secure email per XXXX XXXX advice in her correspondence to me to further discuss information regarding my account over the phone. I advised XXXX XXXX previously ; I prefer via email for a paper trail. The only issues that are being addressed are my concerns that were outlined to the CFPB. This gave me the impression she is not entitled to answer any more of my questions unless it is over the phone or not required at all, but is supposed to advocate on my behalf. Secured email communications have been implemented before when addressing any concerns or in communication with any PNC staff member, I am not sure why a secured message was not initiated when I started asking questions or why my questions could not be answered as I do not have access to an online mortgage account with PNC to send secured correspondences. Im sending another correspondence for the following questions to be answered : As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in to PNC, will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered with pending research? All I need is an immediate response as to what I need to do in the meantime while PNC is conducting its research to my initial questions with an approaching deadline to have the documents received by XX/XX/2023, and whether PNC move forward with foreclosure while my account is being researched? As stated in the approved loan modification correspondence The next steps is to permanently modify your loan to more affordable mortgage payments or more manageable terms. The terms of this permanent loan modification are attached. It is important that you read this information thoroughly so that you can decide whether you would like to accept this permanent loan modification offer. The loan modification is not affordable | ||||||
| 06/06/2016 | Yes |
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| I reached out to multiple parties at PNC Bank for 2 issues without any success : 1. {$300.00} new account bonus ( get a different story every time ) 2. Excessive overdraft charges that I can not get any recent response to. The following is more information : {$300.00} Bonus I opened a Virtual Wallet Performance Select Checking account with a savings account via a banner ad in XXXX of 2012. The banner ad specified requirements and I met all the requirements. I have been following up for over 4 years now and I get different answers everywhere I go. In 2012, the branch told me to call the XXXX number. They told me that I opened the account in a branch ( XXXX I never visited ) and thus was not eligible. I went back to a branch and was told that sometimes they assign online accounts to branches. I called the XXXX number again and they said there was nothing they could do. I go back to branch and escalate and they have someone from XXXX give me a call. They leave a name and number and no-one returns my call. Finally, I find someone and they say that it 's too old. I find a VP and he forwards it along and another person tells me that they ca n't find any promotion at that time. They ask for proof that there was a promotion ... how am I supposed to do that after all this time? Now what is really infuriating ... I never got anyone to respond to this inquiry : overdraft fees that have been applied to my account since opening. I have been charged over {$2000.00} in overdraft fees. I think what is most frustrating about the overdraft fees is that PNC has overdraft protection ( that I was never told about until my last conversation a month ago with a rep ). I have called dozens of times and made visits to try and understand the fees and how they relate to Bill Pay, CheckCard purchases, and of course the deposits I make to cover the transactions. While I do n't claim to be the best money manager, I have always moved money to PNC to cover such charges. Also, I 'm confused by the consistency of the messages I get ... in some cases I have the fees refunded, in other situations ( which are the same ) I do n't. I get the line from PNC reps that they can only offer a courtesy refund on charges once a year. But then as I go through my statements, some were refunded well within a year of each other. Also, it seems like I get charged multiple fees on the same day for the same overdraft. | ||||||
| 05/15/2016 | Yes |
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| I was unexpectedly laid off from my job in XXXX 2013, that lead to financial hardship that caused me to miss some mortgage payments. After going back to school and testing I started working as a realtor. During that time we applied for a loan modification with PNC bank. We were a customer for over XXXX years with a solid history of making mortgage payments. After being accepted for a loan modification, which would increase my monthly payment {$400.00} dollars, I appealed to have my mortgage payment lowered to where it was before. The appeal was turned down. I then accepted the terms offered to me but was turned down because they said I waited too long to accept their terms. I then was instructed I would have to re apply and submit a new packet to be considered again. After a almost two years of sending PNC my financial docs and letters of employment I was turned down again. They said the process had taken too long. All during this time my financial position has gotten better, I am working XXXX jobs and my wife works as well. We are making enough income to resume making our mortgage payments. I believe that PNC has not acted in good faith during these negotiations. I was called on the phone XX/XX/XXXX and was told I had one more opportunity to re submit a packet for review. I sent in a new packet and called PNC a day later to make sure they had received it. They say they had but were closing my file because I had been turned down twice previously. They did not even review my application, even though my income is well above the amount needed to make my mortgage payments. I did not receive any notice in the mail that said my app was rejected and no reason given. This is bad faith negotiation. I believe the real reason is because the amount I owe the bank is {$220000.00}, and they bank has appraised our homes value at over {$400000.00}. The bank wants to take my home so they can profit from its sale. This was after they previously appraised my home in the {$260000.00} range. Therefor, I believe that PNC Bank did not negotiate with me re my loan modification with good faith. I submitted paperwork and financial info they requested and they did not review them, thus making a decision to take my home based on bad faith negotiation. It is not fair to me, my wife and XXXX kids, my neighbors, my block I live on, the community or city. The only one standing to benefit is PNC Bank. | ||||||
| 01/07/2022 | Yes |
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| In XXXX of 2019 I went to my local Compass Bank branch to open a Health Savings Account ( HSA account ). The account has been used solely for medical expenses and deposits into the account for the past 3+ years have been direct deposited, tax free into that account. Compass Bank was recently acquired by PNC Bank and I made the decision to close all of my accounts and change banks. Due to the nature of HSA accounts these funds can not be withdrawn without tax penalties. They need to be rolled over into the new HSA much like rolling over a 401 ( k ) account to avoid paying these penalties. I requested the account to be transferred by Compass prior to their transition to PNC. I was informed by the banker I spoke with that the account was inadvertently opened as a regular checking account and not as a HSA account. His suggestion was to wait until PNC took over and to address the situation with them. Since then I have worked relentlessly with PNC to have the account converted to an HSA account and to roll the money over to the new HSA with the new bank. PNC has been very unresponsive and difficult to work with to resolve this issue. After multiple phone calls and follow up they finally contacted me and acknowledged the mistake but told me that there was nothing they could do and for me to take it up with the IRS. The tax implications could result in thousands of dollars of tax liability for me personally for a mistake that was made when the account was originally opened. I have requested a copy of the recorded phone call transcripts and a letter from PNC that acknowledges the error for my records in case I need them in the future. I was told they could only provide them if they were subpoenaed and required to deliver them. I realize that PNC inherited a problem that was created by Compass Bank but that does not dissolve them for the responsibility to correct the problem. I have all the statements from the day the account opened and can verify the deposits into the account were all tax free, direct deposits from my employer and that all of the withdrawals from the account were for medical expenses. I was always under the impression that the account was an HSA account until the day I requested the roll over. I look forward to the CFPB 's response and cooperation. The records of the people I have spoken with at both Compass Bank and PNC Bank can be provided upon request. | ||||||
| 12/20/2019 | Yes |
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| I received a call from XXXX in XXXX, NY stating that they had received my online application and that I had been approved for a loan of {$5000.00}. ( I had applied for a few payday loans so am unsure as to which application this was. ) The installment loan appeared to be a reasonable rate and payment terms so I went forward with the loan. I originally spoke with a XXXX. She told me that in order to qualify for the loan, my 2 XXXX XXXX credit cards needed to be paid off so that it would raise my credit score. If that happened then I would qualify for a lawn up to {$10000.00}. I stated I only wanted XXXX and to move forward with that. She then stated that they would pay off the 2 credit cards, and I would have to go to XXXX and buy gift cards for the amount of the payoff of the credit cards, so basically to pay them back. One of the payments came through from PNC Bank to pay off the amount of the credit card balance. XXXX XXXX put a hold on the funds but PNC ( or whoever they are ) called the hold dept and got XXXX to release the funds. I was then instructed to go to target and purchase {$6000.00} in gift cards, which I did. PNC/XXXX then took the gift card numbers and pulled the funds from those to pay themselves back. The funds for the other credit card payment came into the account and then PNC/XXXX reversed the payment and my account was charged a {$25.00} return fee from XXXX. I then started dealing with a XXXX XXXX who told me the bank was XXXX XXXX XXXX XXXX. His number is XXXX. He then told me in order to fund the whole {$5000.00}, I would have to have both the credit cards paid down to XXXX again and do the gift cards at XXXX before they could fund the full {$5000.00} loan. They made 2 payments on XX/XX/2019 and again reversed one, which caused XXXX to charge my account another {$25.00}. XXXX put a hold on the other payment again as I told this XXXX guy they would and I would need proof from their end to prove to XXXX that the money was good. He refused to comply with that request and then threatened to cancel the transaction. He was only corresponding with me via text, and when call the different numbers, they answer the calls in different ways. I realize this is a complete scam so I wanted to play it through to see what they do. I have cancelled my 2 credit cards so at this point, they can no longer make or reverse payments from my accounts. | ||||||
| 12/18/2017 | Yes |
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| ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. PNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. | ||||||
| 01/11/2022 | Yes |
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Web | Older American, Servicemember |
| This is a complaint against PNC Bank for their abuse of authority, delayed handling of the transaction to the customer 's detriment, and poor communication regarding a consumer/vehicle loan. I believe PNC Bank abused their authority by REJECTING a loan payoff check submitted to them from the XXXX XXXX XXXX XXXX who purchased the vehicle from me. PNC returned the payoff check ( {$39000.00} ) to the XXXX XXXX two separate times without just cause, without explanation, WITHOUT INITIATING ANY REASONABLE REMEDIES, and without informing the customer. The vehicle was sold on XX/XX/2021. The XXXX XXXX contacted PNC for a payoff on XX/XX/2021. The dealership mailed the payoff check to PNC which they received on XX/XX/2021. We learned later that the payoff amount was apparently short by {$270.00} to close out the loan. Instead of accepting the initial check from XXXX and requesting the remaining balance due ( probably for Per Diem or Late Fees ) from XXXX or from me, they returned the check!!! I wasn't even made aware. I learned about this only after I went to PNC on XX/XX/2021 to talk to XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX. There was back and forth on the phone between XXXX XXXX, PNC Loan Service Center, and me on, in short, whose fault it was on the incorrect amount of the payoff? Was it PNC 's fault or was it the Dealership 's fault on the correct amount of the payoff? I was charged daily interest, per diem, late fees, and possibly negative credit reporting from XX/XX/2021 to XX/XX/2021. Was this the customer 's fault? I also want to report two PNC employees who were not helpful during this process. One is XXXX XXXX from PNC Bank Retail Support who initially reached out by email on XX/XX/2021 from my consumer complaint, however she did not follow up after that. She promised to " research '' the phone records between PNC Bank and XXXX XXXX XXXX to resolve whose fault it was on the payoff amount, but I received no follow up on the results. She did not return my phone calls or reply to any of my email messages or texts. She went silent. The other PNC employee is XXXX ( don't have last name ) who repeatedly called me to harass me about making the monthly payments even after I informed him that the vehicle was sold and we are working on the payoff. Through some misery and several hassles, PNC Bank finally accepted a new payoff amount of {$39000.00} as of XX/XX/2021. | ||||||
| 01/02/2018 | Yes |
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| On the afternoon of Wednesday XXXX XXXX. I entered the PNC Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I was investigating a ( NSF ) fee of {$36.00} that had been placed on my account on XXXX XXXX. The fee had been placed on my account after a {$1000.00} check had " bounced '' and all the money was returned to my account. I spoke with a female representative within the XXXX branch # in her office about how I should resume to pay the bill in which the Check was intended. She then picked up the phone and called " back of house '' to see if they could waive the ( NSF ) fee. They began to tell her that there was nothing they could do about the bounced check and she would have to contact her manager to request a refund. She asked me if it was my first ( NSF ) fee & it had been. The {$36.00} request was denied. I then proceeded to tell her that PNC had been nothing but trouble lately and I would like to close my checking account IMMEDIATELY! Without any hesitation she said " okay, I 'll close it personally TOMORROW ( XXXX ). I 'll write you a withdrawal slip NOW and I 'll close it first thing TOMORROW ( XXXX ). She wrote the withdraw slips for {$1100.00}. I signed them & walked out of the PNC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX with my money, a {$0.00} card balance and trust in the bank representative. On the afternoon of XXXX XXXX. XXXX XXXX XXXX I get an email. My account is - {$36.00}! How? Apparently the ORIGINAL " bounced '' check # XXXX from XXXX XXXX that was returned to me, was put thru AGAIN on XXXX XXXX. Now, I have NEVER heard of a bounced check having the ability to be pushed thru the system multiple times. Nor did the PNC agents warn me of that. Now I have TWO - {$36.00} ( NSF ) Fees on my account TWO bounced checks and ONE bill that still has n't been paid. Now I 'm entirely irritated that this bank representative had ZERO understanding of her own job and that she 's allowed to manipulate customers into paying more fees. She should have known the check # XXXX had the ability to be sent thru again in just a few short days, allowing me to keep my money within the account to successfully complete the payment. She NEVER explained why she was waiting 24hrs to close my account. She also neglected to notify me that my account was overdrawn or that the check had been attempted once more apon the " attempt '' of closing my account XXXX XXXX. | ||||||
| 04/08/2022 | Yes |
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| I initiated refinance of mortgage with XXXX XXXX ( Loan Officer, PNC Bank ) back in XX/XX/XXXX and submitted all the documents as requested immediately. The loan was approved as was confirmed by XXXX verbally and as well as by e mail@ 2.25 % for 15 yrs with Zero points., Please see copy of mail as below : From : XXXX XXXX XXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : PNC Bank Mortgage - Communication Yes. We can lock at 2.25 %. We do have the ability to float the rate down in rates drop. I will have everything done before XX/XX/XXXX. We can close when you return XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXXXXXX PNC Mortgage, A Division of PNC Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Mail Stop : XXXX We were suppose to close at the end of XX/XX/XXXX but for some reasons we received documents on XX/XX/XXXX. Upon receipt of docs we pointed out discrepancy in the agreed terms of lending in the documents which he promised to fix errors asap. We received another docs subsequently but with the same errors. He promised to correct and send another docs which was again incorrect. Since then he sent incorrect documents several times and has been dragging to send corrected docs and several weeks passed by. I kept calling him everyday and sending him mail frequently. He informed that it is in the process and I will be disclosed shortly. He further added that we are in good shape and he will wrap up everything promptly. He then informed me that it is difficult for me to send corrected documents electronically as PNC electronic system is messed up and he will overnite documents and then we can close promptly ( See attached text message ) On XX/XX/XXXX he informed me that we got the pricing correct and we will disclose shortly. He further added that you are in good shape and I have the ability to overnight documents which is better anyway. I never received docs which he promised and then I insisted to meet in person. In personal meeting he backed out from honoring his commitment and jeopardizing my refinance. I have all the documented proof to prove my above statements. Important Point is XXXX XXXX ( Area manager ) & XXXX XXXX ( Territory Sales executive ) informed me that loan was cancelled on XXXX XXXX but Loan officer has been communicating till XXXX end promising to send docs and close promptly. | ||||||
| 08/08/2019 | Yes |
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| My name is XXXX XXXX and on XX/XX/19, I went into the PNC Bank branch at XXXX XXXX, XXXX, XXXX, DE XXXX. I wanted to do a {$25000.00} cash advance from my XXXX XXXX XXXX account into my PNC account so that I could wire funds to XXXX internationally same day ( XXXX XXXX does not offer wire services ). I sat with VP branch manager XXXX who would assist me in completing this task. I clearly explained to her what I was trying to do and she proceeded with gathering information. I gave her my debit card which is needed to do the cash advance. XXXX looked and noticed I did not sign my debit card and that procedure requires them to do next level verification. At that exact point is where i started to feel very uncomfortable and felt the discrimnation started. She took my debit card and said she needed to check something and left me at her desk for 15 minutes. When she came back, she asked me about a {$25000.00} return that occured on my PNC account. I explained that originally I tried to do the $ XXXX eletronically but accidently put the sender of the money as PNC which PNC should have been the receiver. I have been with PNC for over 10 years btw. The stares she was giving me and the manner in which the questions were being asked made me feel very uncomfortable and made me feel like she already made her decision in not helping me. After making copy of my debit card and driver license, she sent me on my way and said that she will call a verification number to further verify if it was ok to proceed with the cash advance. I left the building at probably XXXX and called XXXX back around XXXX and asked if she called the verification number and she advised no and that she will not be helping me do the cash advance. There was no real reason as to why she would not help me with the cash advance which leads me to believe this was a discrimnation situation due to my race. Like i mention earlier, I felt very uncomfortable in the manner in which the questions were asked, the stares and the fact that she never tried in going thru the proper channels to assist me. This ended up being very inconvinnient and delayed the wire transferring. I eventually was able to do it the following week at a different branch and felt welcomed at that different branch. This is unfair for a bank corporation like PNC to discriminate against a long time customer and I would like my voice to be heard. | ||||||
| 11/12/2021 | Yes |
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Web | Servicemember |
| CASE # XXXX In late XX/XX/2021 we had a cyber security breach on our home desktop/laptop. We contacted our bank BBVA within ~ one hour and went to them when they opened the next morning to explain what happened. We closed all accounts at that time and received courtesy checks. Within a month the breach had been resolved, that is, all new accounts for checking, money market ( MM ), credit card, a new modem and even a new desktop computer that had been thoroughly vetted by the XXXX XXXX at XXXX XXXX. At the initial encounter with BBVA after the security breach, we put a hold on our Money Market account allowing money to be deposited but none to be withdrawn. On XX/XX/XXXX I tried to transfer money from our Money Market account to checking but was unable. On Friday XX/XX/XXXX I went to BBVA to inquire and the representative stated that our account was on hold at which time and I asked her to remove it but she could not ( I had forgotten to tell BBVA to release the hold ). The BBVA representative also tried to transfer funds from our MM account to checking, but was unable. Additional inquiries were made by the representative who stated that because PNC Bank was now the new owner as of XX/XX/XXXX, the account could not be released. She made additional calls and stated the hold would be released within 24-48 hours. After 6 business days ( XXXX ) I finally received an e-mail from PNC Retail Support which I responded to and on XXXX I called and also sent an e-mail to the PNC rep who sent me an e-mail but there was no response. Another PNC rep told me she sent a message to the rep handling the case, which needed to be further reviewed ; the Branch Mgr. at the PNC branch I do my banking also escalated the incident to PNC to no avail. It has now been 11 business days and after numerous contacts, escalations, and statements that the hold still had to be investigated, nothing has been done. This is totally unacceptable and I am truly livid. I put the hold on the account and I expect that when I request it being released it is done within a very timely fashion and not told there has been no investigation 11 business days later and the hold still on. If this were happening to you and your money I am sure you would be every bit as angry as I am. I don't know what kind of incompetent charlatans PNC hires but their lack of action and incessant escalations is disgraceful. | ||||||
| 10/21/2019 | Yes |
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| I purchased the vehicle back in XX/XX/XXXX with PNC Bank financing sourced directly through the dealership. I never received an electronic log in or any paper or electronic statements when creating the car note. After making payments on time/early in person or over the phone for ~ 2.5 years, the rep on the phone gave me a one time pin to set up electronic payments to which I set up into the future over 12 months. Subsequently, I purchased a home in XX/XX/XXXX and have been dealing with a large renovation that has displaced me and my family. We have been staying with relatives for the past 6 months. Over the summer, my automatic payments ended as there was no option to set them up indefinitely. I did not notice that the car payments had stopped coming out as I had been occupied with other things like payments going to contractors and they had been automatic for such a long period of time at that point. The last payment ( confirmed this afterward ) was XX/XX/XXXX and I received no phone calls, physical or electronic statements, email notifications or any other attempts to notify me that payment was late or due until on XX/XX/XXXX when I received an alert from XXXX XXXX telling me I had a new 30-day late mark. I had no idea and immediately went down to my local branch and brought the vehicle loan current in full. While there, the branch manager noted that whoever set up my PNC Bank account did not enter in the correct phone number. She also noted that they had received a notification of change of address from the USPS ( I used there mail forwarding service ). I told her that I had not received any communication from the bank during this time and to this date, XX/XX/XXXX, I have never received a monthly statement showing me the balance of my auto loan. I asked the bank if they would remove the 30-day late mark as no attempt was made to contact me to notify me of a past due balance as well as no statement or evidence was provided to me alerting me that I wasn't paying them. They told me I would have to file a complaint and that they would not remove the mark. I also wanted to note that during the time of non-payment, even though I received no communications about the standing of my account, I received emails and physical mail from them asking me to open a HELOC or apply for a credit card. This is evidence that the bank did have a way to contact me. | ||||||
| 04/06/2022 | Yes |
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| My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PNC BANK CONSUMER CREDIT BUREAU for committing identity theft. I have never given PNC BANK CONSUMER CREDIT BUREAU any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from PNC BANK CONSUMER CREDIT BUREAU before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PNC BANK CONSUMER CREDIT BUREAU can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ). I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PNC BANK CONSUMER CREDIT BUREAU can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PNC BANK CONSUMER CREDIT BUREAUcontinues its collection efforts, I will file for litigation for actual damages caused and PNC BANK CONSUMER CREDIT BUREAU will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. | ||||||
| 10/11/2021 | Yes |
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| PNC ( acct. # XXXX ) is my first mortgage and XXXX XXXX XXXX XXXX XXXXXXXX ( acct. # XXXX ) is my second mortgage. I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. I filed everything by fax ( XX/XX/XXXX ) from a PNC branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to PNC XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? I have had the 2nd loan since 2007. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXXXXXX XXXX XXXXXXXX. That loan has been sold many times as well. I have a buyer who has patiently been waiting. PNC and XXXX XXXX has copies of the settlement HUD. I have called PNC and XXXX XXXX several times..and each time I spoke with a different representative and was told different scenarios. I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. I am in dire default of my loan because of Covid-19. And facing significant hardship. I am trying to sell the house and PNC snd XXXX XXXX representatives are very misleading in my case. As to PNC : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. Again, I applied for both short sales on XXXX | ||||||
| 12/11/2019 | Yes |
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| I was on a XXXX XXXX from XX/XX/19-1XX/XX/19without internet access or phone service. I used my PNC debit card for expenses while onboard the ship. Mid-way through the cruise, on XX/XX/19 I received a notice from XXXX that my account had been frozen, because they were unable to obtain authorization from XXXX for any amount over the $XXXX currently charged on my debit card. I work for several different companies which utilize direct deposits to my checking for pay. I was unable to go online to check my PNC account, so on the last day of the cruise (XX/XX/19) I went to the front desk to satisfy my account. I was told that I owed a balance of $XXXX, and that $XXXX had already been charged to my PNC account. I asked the cruise rep if I could use the ship's phone to call PNC to see if additional funds had been deposited to my account by my employers so that I could determine whether I should leave the PNC debit card on file or if I should use a credit card for the balance. I called PNC's XXXX customer service number to determine current available funds in my account. I was told that there was $XXXX available on my account, so I assumed that I had adequate funds in my account to cover the $XXXX balance on my account. I advised XXXX to run the balance on my PNC card, because I had $XXXX available. When I returned home on XX/XX/19, I received an email from PNC stating that my account was overdrawn by -$XXXX. I called PNC and told the customer service rep what occurred. The customer service began arguing with me and telling me that both the $XXXX and $XXXX charges by XXXX had been run on XX/XX/19. I told him that could not possibly be true, because I stood and watched the front desk attendant run my card for $XXXX on XX/XX/19. The customer service rep then stated that I also had several small transactions that had hit the same day as the XXXX charges. I explained to the PNC customer service rep that my available balance on XX/XX/19 was $XXXX, which was ample for both the $XXXX XXXX charge and the several small transactions made on XX/XX/19 and XX/XX/19. The customer service rep was unable to provide a valid explanation for why my I was told that the available balance in my account was $XXXX on XX/XX/19. He went on to state that PNC was charging me for six (6) overdrafts at $XXXX each. This is a totally unfair business practice on the part of PNC. | ||||||
| 03/07/2016 | Yes |
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Web | Older American |
| On or about XXXX XXXX, 2016, we applied for a mortgage with PNC Mortgage for the purchase of a condominium in XXXX, PA. Previously, we had been pre-approved by PNC. PNC knew from the very beginning of the application process that we were purchasing a condominium. We obtained a locked in, fixed rate of 3.75 %. We received numerous documents during the process reflecting that same locked in, fixed rate. The agreement called for a closing date of XXXX XXXX, 2016, time being of the essence. On or about XXXX XXXX, 2016 -- one week before closing -- we were informed by telephone that our interest rate had increased from 3.75 % to 3.875 %. The person who phoned - XXXX XXXX - was not aware of the reason for the increase. When we inquired of the loan officer, XXXX XXXX, we were advised that the underwriters ( who are employees of PNC ) determined that our condominium was " unwarrantable '' because of a slip and fall claim against the Condo Association, this despite the fact that PNC was aware and had confirmed that the Condo Association had coverage of XXXX for the claim. We were never advised, orally or in writing, at the time of application or any time throughout the process, that our so-called locked in, fixed interest rate was subject to increase. The loan officer stated to us that he realized the claim would never reach the condo owners, but it was the decision of the underwriters. He alluded to the fact that this happened often with condominums. Yet, he never felt the need to warn us ahead of time that this was a possibility. It was represented to us by his manager that he is a very experienced loan officer. Therefore, we believe he should have known and should have warned us at the start of the process. The explanation and justification of the condo being " unwarrantable '' is dubious at best, and deceptive at worst. We believe it was a convenient way for PNC to increase our interest rate and monthly payment. Although the payment increased by only {$26.00} per month, over the course of the 15 year loan, that would add up to {$4700.00}. Because of the delay caused by our need to process this information, we had to ask the Sellers for a delay in the closing. Fortunately, we were able to close on XXXX XXXX, 2016. We believe we are entitled to a reduction in the interest rate to 3.75 % and a refund of {$26.00} per month until this matter is resolved. | ||||||
| 09/09/2019 | Yes |
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| On XX/XX/2019 my Social Security XXXX check was deposited into my PNC checking account. By XXXX there was only {$1.00} in my account so I called PNC customer service any they explained that XXXX XXXX out of Louisiana had withdrew {$850.00}, from my account. I ask customer service how and why and with a few more questions from customer service it was soon realized that I had been part of a scam with someone claiming to be XXXX XXXX XXXX. I was applying for a loan with XXXX XXXX XXXX or should I say people I thought were Cash Net XXXX. Customer Service put a hold on my account and on my debit card and advised me to get to the bank ASAP to close the account and the debit card. I was at PNC Bank, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, XXXX, within 2 hours. I met with XXXX, who closed my account and opened a new account, cancled my debit card and issued me a new debit card. Ordered new checks, and filed a report. I explained I would be filing a police report and would return with that report when it was ready. On Tuesday, XX/XX/2019 I returned to PNC bank with the police report and turned it into XXXX assuming she would file it. On Tuesday, XX/XX/2019 I contacted PNC Bank and spook with XXXX XXXX questioning as to why my checks had not arrived and what was the statis of my complaint. According to XXXX there was no follow through on XXXX 's part, no checks were ordered, no complaint was filed, no one had any idea what had happened to my police report. Again I returned to PNC Bank and re reordered my checks and finally filed a report with XXXX. XXXX saw no need to have a Police Report, I brought a police report by on Wednesday evening anyway. By XX/XX/2019 PNC Bank had resolved that I am not intited to any type of refund. I am disputing this. I have never had any contact with XXXX XXXX. The check is a fraud because it is not my signature and looks nothing like my signature. I never saw this check until XXXX showed it to me as part of the investigation into the scam/fraud case. XX/XX/2019 started like any other day with my Social Security check being deposited, it is the money I have to live on all month long and by XXXX that money was gone. It was gone because XXXX XXXX of Louisiana, a company I had never done business with had decided to electronically take it from my bank account. Please help me restore that money to my account. | ||||||
| 02/06/2023 | Yes |
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Web | Older American |
| XX/XX/2023 Went to PNC Bank to withdraw funds from their ATM. I requested the XXXX inside give me larger bills than the {$20.00} bills I withdrew. I stood in line for several minutes while the one XXXX who finally waited on me, in spite of not having any Customers when I walked up to the counter. Even with that, she made me wait an unreasonable amount of time to be helped, asking for my debit card just to exchange the funds. I had just withdrawn money from the ATM machine in the building. I had my receipt in hand and yet she insisted on seeing my debit card. Even though she asked for my debit card, she did not ask for my driver 's license or ID. After giving her my debit card, she stayed in my account on the computer screen for at least XXXX minutes. There was no reason for this employee to be in my account looking around just to make an even money transaction. I asked her what she was looking for and she did not answer. Verification of an account does not take that long. With that, she proceeded to give me {$10.00} bills when I specifically asked her to for larger bills. As a result of this employee giving me so may small bills, I accidentally overpaid the workers I needed to pay. Had she given me 4 {$50.00} bills like I asked her to ; the chances of that error would have been greatly reduced. I was very uncomfortable with this employee accessing my account for that long since my Social Security number is so readily available in my account. In addition to this action, this bank always wants to access my account even if I walk in for something as minor as a checkbook register. I have gone to other banks for a check register, and they hand them out without question. PNC bank always want to upsell you on a credit card or some other promotional item.be hassled and have to sit in a banker 's office while they go into your account just to obtain a " free '' check register. Additionally, my, mailbox has constantly been overrun with offers for a credit card since the day I opened my account. In addition to that, last week I received one of many unsolicited calls from a banker at my local branch. He said it was not important on voicemail. I did not return the call because I knew it was just another sales pitch. I have never done business with a bank of this low caliber, and I will be researching to find another due to the unusual practices of PNC Bank. | ||||||
| 05/01/2015 | Yes |
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| IN XXXX I APPLIED FOR AN ACCOUNT AT PNC BANK WHICH THEY GRANTED ME AND THEN A FEW DAYS LATER, I GOT A NOTICE THAT THEY WERE CLOSING THE ACCOUNT. THEN AGAIN IN XXXX XXXX MY WIFE TALKED ME INTO JOINING HER BANK ( PNC ) SO WE COULD BANK TOGETHER. SO NOW I HAVE A BACK ACCOUNT THROUGH AND CREDIT CARD THROUGH PNC WITH MY WIFE AS THE MAIN HOLDER. I THOUGHT THAT MAYBE IT WAS JUST A PROBLEM WITH THEIR INITIAL PAPER WORK AS FOR THE REASON THAT I WAS DENIED THE FIRST TIME, SO MY WIFE AND I WENT TO THE LOCAL BRANCH AND OPENED UP A XXXX ACCOUNT TO KEEP TRACK OF SPENDING AND CREATE A BUDGET. THE BRANCH MANAGER XXXX SAID WE WERE GOOD CANDIDATES AND OPENED UP XXXX. 3 DAYS WENT PAST AND THE XXXX ACCOUNT WAS CLOSED. THE BACK MANAGER SAID THERE IS A REPORT ABOUT ME SOMEWHERE IN PNC THAT SAYS I 'M A RISK AND SAID SOME ONE FROM CORPORATE WILL CALL ME IN A FEW DAYS. AFTER A WEEK WENT BY XXXX XXXX CALLED ME AND SAID I WOULD HAVE TO CLEAR UP THE ISSUE WITH XXXX AND GAVE ME THE XXXX NUMBER. I CONTACTED XXXX AND GOT MY REPORT. THE REPORT XXXX SENT ME IS SPOTLESS WITH NO ISSUES ON IT. SO I BROUGHT THIS INTO THE BACK WITH MY CREDIT REPORT FROM XXXX AND XXXX AND SHOWED THE MANAGER. HE SAID THAT SOMETHING IS N'T RIGHT BECAUSE MY HISTORY WITH THEM SAYS I DO N'T OWE THEM ANYTHING AND THEY ARE ALSO AN INSTITUTION IN GOOD STANDING ON MY CREDIT WHICH SHOWS NO NEGATIVE ITEMS. BUT PNC STILL DENIES ME ACCESS TO THERE XXXX. THEY CAN HOLD XXXX OF MY MONEY AND COLLECT INTEREST ON A CREDIT CARD, BUT WONT GIVE ME ACCESS TO A SOFTWARE PROGRAM SO I CAN KEEP A BUDGET. I WORKED HARD TO HAVE GOOD CREDIT AND SAVED TO BUY A HOUSE. XXXX AND MY CREDIT REPORT COLLABORATE THIS. I HAVE BEEN TALKING BACK AND FORTH WITH A CORPORATE OFFICER ( XXXX XXXX # XXXX ) FOR A FEW MONTHS NOW AND I GET THE RUNAROUND. THE PERSON TO GIVE YOU ACCESS WILL BE IN NEXT WEEK ILL CALL YOU THEN AND NO CALL. THAT TYPE OF THING. IT IS UNCLEAR WHY THEY DENIE ME ACCESS TO A PUBLIC SERVICE AND WONT GIVE ME ANYMORE ROUTES TO CLEAR UP THEIR MISTAKE. I HAVE XXXX AND HAVE BANKED WITH MULTIPLE BANKS, PNC IS THE ONLY INSTITUTION WITH A PROBLEM. MY WIFE IS A XXXX, HAS HER DIRECT DEPOSIT AND ONLINE BANKING THROUGH PNC AND WISHES TO REMAIN BANKING THROUGH PNC. I WOULD LIKE TO HAVE THIS BLEMISH ON THEIR PRIVATE REPORT CLEARED UP AND ACCESS TO XXXX SO I DO N'T HAVE TO GO BUY A SOFTWARE PROGRAM FOR {$150.00} DOLLARS. THANK YOU XXXX XXXX | ||||||
| 04/29/2015 | Yes |
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| Please see prior Case number : XXXX whereby we had problems with PNC and their insurance representatives not knowing what they are doing. I have faxed the appropriate documentation to the insurance fax line and waited for a response. When I did not get a response, I submitted an email to XXXX XXXX from PNC who handled last year 's complaint. As of this date, I have not gotten any response as to why we are continuously harassed about insurance coverage that has remained in effect since the day we purchased the townhouse 10 years ago! On XXXX/XXXX/XXXX we received a letter from PNC that they need our flood insurance info ( of course this was sent by the insurance company but notice the renewal date is XXXX XXXX, so how is it that they are looking to have received a renewal policy and written a letter to me within 24 hours? I of course faxed that info on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they respond 'thank you. '' On XXXX/XXXX/XXXX I received a nasty gram that PNC is now looking for my condo coverage which I faxed, but also called and spoke with XXXX letting her know that PNC has no need for this policy as they made me buy an XXXX and that policy is in effect until XXXX XXXX. She said the XXXX was n't necessary and even offered to send me a letter to that effect. See letter from PNC dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received yet another letter from PNC contradicting what I was told and said that they will buy insurance as there is no coverage. My insurance company has sent all materials on a timely basis and PNC claims they never get them, I have the wrong coverage, etc. I faxed the material described above and have not heard back from PNC as of this date so there must be a black hole where all PNC mail ends up! In addition, there is not one insurance representative that knows what is going on. Note on each paper the name and extension of the person I spoke to. The only thing I did not ask was whether this representative worked in the FL or OH call centers. We have already cancelled insurance escrow from the last complaint because PNC cant get it right so now what can I do to stop this harassment? I would like the Consumer Financial Bureau to determine what recourse I have against this mortgage company and wish for these complaints to be published as I have already notified our HOA for any other mortgagees that are having the same issue. | ||||||
| 04/21/2020 | Yes |
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Web | Older American |
| My Grandmother is XXXX and in assisted living. My father is her financial power of attorney and has access to her three bank accounts to handle her financial affairs and cover her living costs as she is no longer able to do so. All three of her accounts were with PNC Bank, two checking accounts and one savings account. She receives her monthly social security check to her savings account monthly. This monthly income is used for her assisted living expenses. PNC bank WITHOUT notice closed her savings account in XX/XX/2020. We had received her XX/XX/2020 statement and there was monthly activity, the most recent being on XX/XX/2020. We have tried to reach out to PNC and get an answer as to why her account was closed. We were unable to get through to a person that could give us a clear answer or help set up a new savings or help us connect her social security to one of her checking accounts so she may receive her monthly direct deposit. This is not the first issue we have had dealing with PNC bank. A few years ago we used their business banking for our family 's small business and due to their extreme lack of care for anything other than deducting monthly fees from our accounts we closed our business accounts and have tried to have minimal contact with them. I have contacted PNC through their XXXX page and again received zero assistance for their mistake regarding the closed savings account. Their XXXX page is riddled with complaints from their customers and their responses show a severe lack of accountability. Personally I feel terrible for the employees that are forced to be on the front lines handling these customer complaints when it is the institution of PNC bank itself that is the problem. Their policies and practices show they only exist to charge over the top fees and use their customer 's money to invest in the stock market. They show such an extreme lack of regard for their customers and doing the right thing in general I'm shocked anyone would choose to use them for any type of banking needs. I was hesitant to file a complaint since in PNC 's view my grandmother 's account is chump change and probably not worth their time. However, my grandmother desperately needs her social security to meets her monthly expense needs and is unable to defend herself or navigate opening a new account. PNC needs to be held accountable for their actions. | ||||||
| 10/07/2015 | Yes |
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| My husband and I purchased a car through a local XXXX dealership approximately XXXX XXXX years ago. We obtained financing through the dealership who elected PNC Bank to finance the transaction. At the time we had no objections ( and still do not with the terms/structure of the loan ). However, PNC 's policy, which was described by their representative as industry standard, is to automatically enroll borrowers in paperless billing for revolving loans. I 'm a millennial and have no issue with paperless accounts ; however, PNC bank has made it virtually impossible to gain access to the online account because:1 ) PNC Bank 's online banking system does not recognize car loan account information ( and the online account information was never mailed to my home ). 2 ) The customer help line resulted in an hour and a half of cumulative wait periods. 3 ) The only online help is available via XXXX. That 's right. XXXX twitter. Again, I 'm a millennial and am disgusted by the notion that I 'm subjected to 1.5 hours waiting online for customer assistance or the use of XXXX ( which by the way I tried this platform and could not be assisted via this platform ) simply to gain access to my loan information which should be provided, either via email or printed, to consumers, unless the borrower specifically opts into such a program to limit receipt of their statements. It is noteworthy, 2 months later my husband and I got another car, this time with financing provided by XXXX XXXX XXXX and I was NOT enrolled automatically in online statements. I have received a letter in the mail every month with my account information. Having access, regardless of being a revolving account, is critical for consumers to manage their accounts, debts, repayment plans, etc. For our account, we have been doubling our car payment and I truthfully, have no idea how much we owe on his loan. I was able to find out the information back in XXXX when I contacted PNC bank, but have subsequently misplaced my log-in information and have not been able to gain access to my accounts since. ( I asked at the time during the call for paper statements but was advised she could not make the change, I had to apply for the change via my online account ). Making it this difficult to gain access to loan statements is a significant disadvantage to the consumers. Thank you CFPB for your help. | ||||||
| 07/24/2019 | Yes |
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| On XX/XX/XXXX I was having an issue paying my auto-loan online due on XX/XX/XXXX so I was late on the first month because I wanted to pay online and needed to take time out of work to call in and inquire why, I called in and there was a technical issue with account linking, so I paid on the phone and I thought the account link issue was fixed. My second payment ( due on XX/XX/XXXX ) I tried to pay on time but again I could not pay it online so fell 1 day late. After PNC debt collector calls me I told them about the issue of paying online, so they transferred me to the online department. They informed me that payment of auto loans is not available via mobile app, only available on the website. The debt collector and the website said that {$760.00} was due but that was a fraudulent amount because that included next month, there is no reason but FRAUDULENT BUSINESS PRACTICE to tell me both on the phone and on the website that NEXT MONTH IS DUE. I actually paid the {$760.00} amount online because this is a new auto-loan and I didn't know the actual amount of the payment and didn't want to under pay or waste more time on the phone with PNC. These banks will charge me $ 35+ if I make a mistake however they make multiple mistakes and there is no recourse. I asked for monetary compensation for the fiasco on XX/XX/XXXX and this is what I received from PNC on XX/XX/XXXX : XX/XX/XXXX Message : Dear XXXX, Thank you for contacting us through the Secured Message Center! I am sorry for any difficulty in making those payments. The total due shows for the higher amount because it is accounting for the next months charges. Only {$370.00} is due however, as of XX/XX/XXXX. While we would be unable to provide a monetary compensation, we can provide some help in ensuring payments are made and on time with methods such as auto pay or using the online transfer funds tool to set recurring payments manually. Please reply if you will like some additional information on those options. If there are any other questions or concerns, you may contact us using the chat button below, or by phone at XXXX / XXXX. We are available XXXX XXXX to XXXX XXXX EST M-F, and XXXX XXXX to XXXX XXXX on weekends. Please remember that PNC is also available via XXXX, XXXX and XXXX, XXXX XXXX to XXXX EST 7 days a week. Thank you for choosing PNC Bank! Sincerely, XXXX XXXX PNC Bank | ||||||
| 07/05/2019 | Yes |
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| 1. I visited PNC Bank 's website and opened a high-yield savings account on Sunday XX/XX/XXXX. 2. During the account opening process, the option to link an external account to transfer funds to open the account as available. I linked my XXXX account via providing my online banking credentials, and authorized a transfer of {$50000.00}. The funds were immediately debited from my XXXX account. 3. On Monday XXXX, I attempted to access my new account with PNC via their XXXX app and on a desktop computer. Both attempts failed and I was not able to reset my online access. 4. I called PNC and spoke with a representative. She stated that my account was flagged to close because it was not funded. I found this strange because I authorized funding of $ XXXX from my XXXX account, which had already been debited. She escalated the call to a manager named XXXX XXXX, who confirmed the information and advised that my ACH transfer of $ XXXX would be refunded. I no longer wanted the account because of the poor account opening experience ; I no longer trust PNC Bank. She gave me a reference number XXXX. In total, this call took 60 minutes of my time. 5. I waited until the morning of XXXX but still my money hadn't been transferred back. I called PNC in the morning and spoke with a manager named XXXX XXXX, who said that my funds would be transferred back to me by XX/XX/XXXX. She gave me a confirmation number of XXXX. This call took 45 minutes of my time. 6. I called back at XXXX XXXX PST after checking my account and finding that my funds still had not been returned. I spoke with XXXX XXXX, who said that ACH refunds should take 1 business day. She tried contacting her ACH department, but found that they were already closed for the day. She advised she would call me back on Monday. this call took 40 minutes of my time. I'm failing to understand why it is taking PNC so long to return my funds. They certainly were able to debit it via ACH within 1 business day. It should take the same amount of time to return it. This issue was caused by their own computer/system failure ; this was a bank system error. They have held my funds for a week and I've had to call multiple times, have spoken with multiple people and had to repeat myself each time, and still there is no resolution. Meanwhile, they've held my money and I have not received any interest payments. | ||||||
| 02/17/2017 | Yes |
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| I received a escrow account disclosure statement dated XX/XX/XXXX informing me of an increase in my payment information because of a shortage amount of {$540.00} in my escrow account. The statement does not provide an explanation as to why or provide figures beyond that it may be due to an increase in property tax, insurance premium, or mortgage insurance. Upon speaking with customer service representative " XXXX '' at PNC BANK, she informed me that none of the aforementioned escrow accounts payable have increased and in fact property taxes have decreased from {$3000.00} as of XXXX XXXX to {$2800.00} for XXXX XXXX. The document states that " The minimum required balance allowed by federal law ( RESPA ) is two times your monthly escrow payment ( excluding MIP/PMI ) unless your mortgage document or state law specifies a lower amount. '' Our monthly escrow payment according to this statement is {$390.00}. According to XXXX, our escrow balance is {$1000.00} which is over {$200.00} more than double our monthly escrow payment and thus the minimum balance allowed by federal law. XXXX responded that " the reason I have a shortage is that I dont have enough money in the escrow, '' a tautology I am not satisfied with. When I said I could not follow her logic and was concerned that there was an error if my liabilities have actually decreased and my payments have increased, she said I was " just being argumentative '' and when asked if there was someone else I could talk to she said " no '' and that I could talk to her. I asked where the additional costs were coming from and she replied that they were coming from their yearly escrow projections which they do each year in XXXX. She claims the previous lender gave us the wrong amount to put into the escrow and that is why we have a shortage. She also claims that the escrow successfully paid all liabilities and that the balance is in fact still over the minimum required by federal law. And since we know exactly what they are for XXXX, I dont understand how the projections are coming back different. I am not satisfied with this service and do not want to pay you an increased rate based on costs that are indemonstrable and unavailable for my scrutiny. And, whoever XXXX is, she is not capable of explaining simple math to me and needs to be trained further if you are to obtain quality customer service. | ||||||
| 03/16/2019 | Yes |
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Web | Older American |
| I opened an account with XXXX based Bank on line. It was a high yield savings account at PNC. The account was opened on the XX/XX/XXXX but it was not funded till XX/XX/XXXX. I initiated a web transfer from my Bank which is XXXX XXXX XXXX on the XX/XX/XXXX. My bank completed the transfer on the XX/XX/XXXX. Noting on the PNC site showed any transfer made. Called several times to PNC. The answer was the same -its takes up to 5 business days to complete which is utter nonsense. On the XX/XX/XXXX I checked my account and the funds were there no explanation of where it came from. I called and talked with the XXXX at the call center who was rude and self - indulgent. She couldnt give a proper answer. She told me to talk to anyone at PNC. I then wrote a very detailed letter to XXXX XXXX XXXX who is the CEO of the Bank. I was extremely frustrated. I started digging to find a website called XXXX XXXX. The most complaints were for PNC mostly from people located in the the states where the bank has branches. I was shocked at the behavior of PNC. I indicated to XXXX XXXX that I was very unhappy with the way the bank is defrauding the people. I wanted to know what he was going to do about the matter. The next day I received a phone call from a woman called XXXX who was calling on XXXX XXXX behalf. She promised to call me after she investigated the matter and call me on Thursday. I was speaking to her on Tuesday morning the XX/XX/XXXX. I never got a phone call and late Friday morning she called and told me that there was nothing wrong and its the Banks policy to withold funds for up to five days. No one told me this the banks policy to do this. I told her that I would contact you and write a letter to XXXX XXXX XXXX and contact my congressman XXXX XXXX XXXX. This is breach of public trust and skimming of interest by the bank PNC. It my dearest desire to get this unscrupulous Bank in front of a congressional Banking Committee to be investigated.. I had called you on Wednesday the XX/XX/XXXX and left a message and someone was supposed to get in touch with me on Friday. I didnt receive the call so I decided to write. Please call me and let me know the details you required because until today the account at PNC doesnt show when they received the funds and the Bank that transferred it. Today is the XX/XX/XXXX.nine days after the funds were received. | ||||||
| 01/13/2023 | Yes |
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Web | Older American |
| I had a check stolen and washed from my mailbox on XX/XX/XXXX. I checked my bank account online on Sunday XX/XX/XXXX, and I noticed that the check had been altered or " washed ''. I reported this to the PNC Bank the next day, XX/XX/XXXX. The woman I spoke too agreed that the check had been altered. I was advised to report the theft / alteration to the local law enforcement agency, which I did, also to report the incident to the Postal Inspector general, which I did, and fill out a " Affidavit of Altered Check ''. PNC Bank mailed me a blank form. I completed the form and had the document notarized, as requested and mailed the document to the PNC Bank XXXX in XXXX KY. I did all that I was instructed to do. I was told that " XXXX investigations '' could take between XXXX and XXXX days to resolve on the initial phone conversation. Then, nothing from PNC Bank. I called XXXX times for an progress report and was told that " the bank can not comment on going investigations. '' I was then told in late XXXX that the amount of time that was required for fraud investigations takes between XXXX and 120 days. I have a personal banker with PNC Bank, as I have been a long time customer. I spoke with " XXXX '' my personal banker in mid XXXX, she was of absolutely no help. She said that she called and left a voice mail on my cell phone, I did not have any indication that this was true an there was no voice mail. She then went on vacation until XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX, I was not satisfied with her comments and asked to speak to her supervisor. Her XXXX, " XXXX '' called back the next day. I was not satisfied with his answer of " sorry, this one fell thru the cracks. '' I asked to speak to his supervisor. I did receive a call earlier this afternoon from a female, I shared my frustration with the situation. She informed me that the {$650.00} from the washed check had been deposited in my checking account on XX/XX/XXXX. I checked and that was in fact true. Because of the XXXX XXXX during XXXX I missed the deposit. However, neither XXXX XXXX XXXX mentioned that the money had been returned in our phone conversation on XX/XX/XXXX and XXXX, XXXX. I wonder why? I believe that the left hand does not know what the right hand is doing and no one at PNC Bank communicates with others, and they are do not communicate with the victim/customer. | ||||||
| 01/12/2018 | Yes |
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| This is a follow-on to CFPB complaint # XXXX, dated XX/XX/XXXX associated with PNC Mortgage Company and PMI payments which should have been cancelled automatically. This complaint has been closed by the CFPB and PNC Bank has sent me a computer generated letter, dated XX/XX/XXXX, stating that I am no longer required to carry Private Mortgage Insurance ( PMI ), which I appreciate. However, they did not address my proposed and fair remedy to the problem and that is why I have created this new complaint. As previously stated in my correspondence and agreed by PNC, I started communicating with PNC in XX/XX/XXXX, regarding the removal of PMI on my loan. Based on PNC 's PMI removal requirements, my loan principle balance was below 78 % with the XX/XX/XXXX payment. Based on my original loan PMI documentation, PMI should have been automatically stopped at this time. It was not. On XX/XX/XXXX, I again wrote PNC, requesting deletion of PMI. They either did not read all information that I submitted or chose to ignore it and again sent me computer generated information on PMI. My complaint to CFPB regarding this was submitted on XX/XX/XXXX. In the CFPB complaint I proposed that PMI be terminated effective with the XX/XX/XXXX payment, which I thought was more than fair based on my communications and evidence. I did not request an effective date of XX/XX/XXXX, which legally, I should have been entitled to. In PNCs response to me and analysis of escrow account, the effective date would be XX/XX/XXXX. In addition, for XX/XX/XXXX, they charged me double for PMI ( MIP ) : {$86.00} versus {$43.00}. I received a refund of {$10.00} from XXXX, PNC 's partially owned PMI company. It was not my fault that the PMI document was originally written incorrectly and I did everything I could to resolve this issue in a timely manner. Based on the timeline of my communications regarding this and the PMI documentation, I was being more than fair by requesting a PMI termination date of XX/XX/XXXX instead of XX/XX/XXXX. Instead, they have taken an additional {$110.00} PMI ( MIP ) ( {$43.00} for XXXX plus {$86.00} for XXXX and minus {$10.00} refund check ) from my account. I request that I be refunded the {$110.00} overcharge or provided with detailed correspondence which clearly explains why I have been charged PMI for XX/XX/XXXX and double PMI for XX/XX/XXXX. | ||||||
| 06/20/2023 | Yes |
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| Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a financial dispute that has caused significant distress and financial loss. On XX/XX/XXXX, I initiated a transaction from my PNC Bank account in the amount of {$4600.00} to XXXX XXXX with the intention of sending money to my family in XXXX through an exchange for XXXX Naira. However, my experience took an unfortunate turn when XXXX XXXX requested certain documents that I was unable to provide, leading me to cancel the transaction. XXXX XXXX assured me that the funds would be promptly returned to my PNC Bank checking account. Regrettably, despite their promises, the funds did not reappear within the promised timeframe of five days. Concerned about the delay, I contacted XXXX XXXX 's customer service, and they informed me that the money had been released to my bank. To my dismay, upon reaching out to PNC Bank 's customer service, I was informed that they had no record of the funds being received. Consequently, a dispute was opened on my behalf. After waiting for approximately three weeks, on XX/XX/XXXX, I received a letter from PNC Bank stating that my dispute had been denied due to " no error in transaction. '' This decision left me deeply frustrated and distressed. Undeterred, I continued to engage with XXXX XXXX, persistently contacting their customer service on an almost daily basis. Each time, I was given the assurance that the funds had been released to the bank. In an attempt to find a resolution, XXXX XXXX sent me an authorization form confirming the release of funds, which I promptly presented to one of the bankers at a PNC Bank branch. Despite my efforts, I was once again informed that the funds were not available. As a last resort, in XX/XX/XXXX, I visited the PNC headquarters in downtown XXXX. There, a banker disclosed that fraudulent activity had occurred, as the original transaction amount between myself and XXXX XXXX was {$4500.00}, yet the bank had deducted {$4600.00} from my account. Since then, I have been tirelessly fighting for the return of my funds. I have provided all relevant documentation, engaged in numerous discussions with both XXXX XXXX and PNC Bank, and even visited the bank 's headquarters in person to seek a resolution. Unfortunately, my efforts have thus far been in vain. Sincerely, XXXX XXXX | ||||||
| 08/25/2022 | Yes |
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| PNC Bank owns my private bar examination loans obtained in XXXX. In XXXX, I filed for XXXX XXXX bankruptcy. The servicer XXXX XXXX was listed as a creditor and received notice. XXXX XXXX resumed collections on my account after the bankruptcy, and I relied on their inaccurate position that I was still obligated to repay this " student loan '' despite my XXXX XXXX discharge. Since then I've read XXXX XXXX XXXX and have come to understand that these private bar exam loans are not in fact student loans and don't have the same protections offered to student loans. These were private consumer loans discharged in my XXXX XXXX without the need for an adversary proceeding in that 1 ) they were not used to attend an eligible education institution, 2 ) were not used to pay for school attendance, 3 ) were not for a course of study leading to a degree ( I already had my degree ), and 4 ) notice was provided to the servicer. Servicing of these loans was transferred to XXXX in XXXX XXXX has continued collecting on these loans ever since. After reading the CFPB post about busting bankruptcy myths, I contacted XXXX to ensure they were notified about my XXXX XXXX and to resolve the matter. I provided the bankruptcy records at least twice, including the petition and the discharge records. XXXX acknowledges I filed for bankruptcy but fails to acknowledge my private bar exam loans were discharged. The matter was escalated to PNC Bank. Representative XXXX XXXX would only speak to me by telephone and repeatedly failed to recognize my requests to communicate via email ( he would only try to set up calls ). I have a XXXX injury from an XXXX accident and am currently on XXXX leave, and I requested a XXXX accommodation to communicate in writing, to no avail. This was in XXXX. I contacted PNC via XXXX and was assured I would be connected with someone who would communicate in writing. Instead they had XXXX XXXX contact me again to try to set up a phone call. I went back to PNC via XXXX and they had XXXX XXXX email me. However, XXXX XXXX insisted I send all records via US mail. I informed XXXX XXXX that the servicer already has the records and I provided my XXXX account # XXXX and noted the account is under my maiden name XXXX XXXX XXXX. I sent that email XX/XX/XXXX and have not received a response. I ask for the CFPB 's assistance in this matter. | ||||||
| 07/27/2018 | Yes |
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| I had ( have? ) a Home equity account with PNC. In XX/XX/XXXX they changed their accounting technology and my life for the worse. I tried to head off these problems by simply paying off loan in XX/XX/XXXX, but i can not get them to stop billing me due to their errors! to date I have 22 bills, pieces of correspondence, and documented phone calls, some with confirmation numbers and PNC seems to be a cancer I can't get rid of. XX/XX/XXXX notice of new technology XX/XX/XXXX Normal bill for interest {$200.00} promptly paid as always. XX/XX/XXXX Newly formatted bill arrives for {$310.00}. Unable to reach customer service for hours. Paid the bill. Afterwards-bill arrived for {$220.00} for same period of time XX/XX/XXXX Bill for {$230.00} XX/XX/XXXX Phone connection to XXXX XXXX. New system is causing errors. I decide to merely pay off my balance and give him my bank info.XXXX # XXXX. Tells me to send a letter closing my line of credit, which I do XXXX written confirmation of my letter. XXXX Bill for XXXX XXXX Phone XXXX says my balance is XXXX. XXXX XXXX gets involved.Gets escalated to XXXX XXXX who reviews previous transactions, discovered that they had not gotten the money from my bank due to a typo. We conference my bank and XXXX assures me we are all set now! XXXX # XXXX XX/XX/XXXX Bill for {$83.00} XX/XX/XXXX Notice in mail that a request to correct my account has been submitted XX/XX/XXXX Phone XXXX XXXX does not take my calls nor return my messages XX/XX/XXXX Reach XXXX XXXX who repeated assures me that I can not speak to anyone higher than him. He confers with XXXX XXXX to be brought up to date. XX/XX/XXXX Letter from PNC that my credit has been cancelled for non payments! XXXX Phone XXXX XXXX. Tells me he has corrected their {$88.00} error on my account. He doubts they have affected my Credit score. When I asked if I am now at XXXX, he found that I still show a {$19.00} balance but doesn't know why XX/XX/XXXX Phone XXXX XXXX say he got my {$19.00} balance waived XX/XX/XXXX Phone XXXX XXXX says my balance is finally XXXX! All is well and fixed, I will soon receive my paperwork that the account is paid off as of XX/XX/XXXX! XX/XX/XXXX Bill for {$84.00}. statement includes misapplication reversals for the principal payoffs. XX/XX/XXXX Left message for XXXX XXXX XX/XX/XXXX Bill for {$0.00} and a new balance of {$65.00} | ||||||
| 03/01/2017 | Yes |
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| In XX/XX/2016 we were informed that a transaction we authorized was fraudulent. I contacted my bank, PNC to file a dispute. The dispute was filed and a provisional credit was issued. I received a 'questionnaire ' from them, completed and returned. I did not hear anything else and assumed it was resolved. 90 days after the dispute was filed, I saw that the provisional credit was removed from my account. I called back to PNC to inquire about this and they said they did n't receive my paperwork and I had to file another dispute, which I did. They advised that somebody would be calling. Nobody called and the money was then removed again. I called approximately three weeks ago to figure out what was going on and they said I had to file another dispute because that one was denied because they did n't have the information. I filed another dispute and then five days later I received a generic denial letter stating I 'm out of the timeframe to report a dispute. I then tried to reach the dispute coordinator multiple times with no callback. I filed a complaint with PNC for the lack of response. They were helpful, but refused to re-open the original dispute because they 're outside of their 60 day window. I advised that it 's not a new dispute and would like that re-opened due to the fact that since I sent in the original paperwork timely. When looking at Regulation E - 12 CFR Part 1005.11, subpart A, section b ( 3 ), " ... the consumer 's notice of error is timely if received by the financial institution no later than 60 days after the institution sends the information requested. '' Since I did not hear anything from them until the original dispute was declined and provisional credit was taken out, I assumed they received it, thus making my response timely. I attempted to explain my interpretation of the above to PNC. I advised them that I would like them to look into the original dispute due to me asserting there is an error in them not receiving my questionnaire. They advised they could not re-open. My interpretation of the same regulation, section e is that " ... except in the case of an error asserted by the consumer following receipt of information provided ... '' I understand for whatever reason they say it was never received but mailing it in and not hearing back caused me to assume that it was timely and there were no issues. | ||||||
| 06/02/2017 | Yes |
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| Good afternoon, I logged onto my PNC Bank account on X/X/2017 and realized that I was going to be overdrawn. I deposited enough money, plus extra, to cover the items that were causing my account to be overdrawn that were charged to my account well within the deposit cut-off time for that business day. This morning, XXXX , I noticed I had 4 overdraft fees. Upon calling the bank I learned that even though I had made the deposit on X/X/2017 , they only make {$100.00} of that deposit available to me to use, they hold the rest for 1 bu siness day ( no matter how big the deposit is ), in this case the total deposit was for {$330.00}. I had not known that, the last time I spoke to a representative, they told me I just had to have my deposit in by XXXX that same day in order to avoid fees. So even with that being the case of {$100.00} being available to me I only should have been charged for 2 overdraft fees. When I received my overdraft detail statement it shows that they deducted in order of time payments came into their system for my debit card purchases ( not smallest to largest ) and then for my remaining 4 auto-deduct items that all came from the same vendor at the exact same time they took largest to smallest causing me to get overdraft fees for all 4 ite ms ( including a {$23.00} item and a {$36.00} item ) instead of just the 2 l argest fees. This is a horrible business practice. I am the sole supporter for a family of XXXX working on a VERY tight budget. It is not right that I had made the deposit in time to cover negative items, but due to their hold policy and them posting by time and then largest to smallest I was charged {$140.00} in overdraft fees. They did not make this known to me at the time I opened my account. I feel as if these business practices are solely in place to cause consumers to incur more overdraft fees. Additionally, I learned that it is their practice to use pending debits to decide overdraft as well, not just posted items. So, if they can use pending debits to decide overdraft, why can they not use pending deposits? My account statement online shows that once every single transaction posted on X/X/2017 I was positive, not overdrawn, but because they did not technically really " post '' my full deposit I was overdrawn in their " behind-the-scenes '' system. | ||||||
| 10/06/2023 | Yes |
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| The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX ORIGINAL and/or UNALTERED documentation specifying credits, tax liabilities, discharge of debt, bonds, and/or securities as they are applicable to this account. Compliance with 12 CFR 1026.13, which requires correcting the billing error and crediting the consumer 's account with any disputed amount and related finance or other charges, as applicable. XXXX has no knowledge of nor has Lender ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question. In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. Lender is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in re alleged Title of Trust connected to alleged account # XXXX This is a breach of contract and an adverse action for exercising my rights. Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. '' | ||||||
| 03/02/2018 | Yes |
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| On XX/XX/XXXX, the borrower took out a line of credit mortgage with PNC Bank with a maximum draw limit of {$89000.00}. It had a 15 year term, due on XX/XX/XXXX. There were no monthly payments, as it was a balloon payment. The borrower did not worry about this mortgage for several years, as he focused on the payments on his first mortgage. In XX/XX/XXXX, the borrower received a letter from PNC Bank dated XX/XX/XXXX which informed the borrower that he was behind on payments on the line of credit mortgage. The client reached out to our legal services organization to research the issue. I discovered that the mortgage term was 15 years, and that there were a little more than four years left before the mortgage was due. I believed there to be an error in the servicing of this loan, as they were requesting payments that the borrower never knew about. On XX/XX/XXXX, I sent a Notice of Error to PNC Banks address for Qualified Written Requests, seeking clarification on the XXXX letter and what payments they were talking about. I wanted confirmation that the mortgage was not due, and that it was a balloon payment without any monthly obligation. I got no response, despite the obligations servicers have to respond to Qualified Written Requests. More than a month later, on XX/XX/XXXX, I updated the Notice of Error with dates and the fact that my first one never received a response. I sent the NoE via certified mail, so that I could confirm receipt of the document by PNC Bank. On XX/XX/XXXX, I received the certified mail receipt from XXXX which confirmed that the letter had been received by PNC Bank on XX/XX/XXXX. Per 12 C.F.R. 1024.35 ( d ), the servicer had five days to confirm receipt of the letter, with information on when a response could be expected. Nothing of the sort was sent to the advocate nor the borrower. Weeks passed, and per 12 C.F.R. 1024.35 ( e ) ( 3 ) PNC Bank only had thirty days to respond to my Qualified Written Request. There has been no response, despite the fact that I have been trying to get information from the bank for nearly three months. It is now XX/XX/XXXX, and I am no closer to finding out what is going on with the borrowers second mortgage. This is a gross violation of the CFPB regulations, which are supposed to facilitate correspondence between the borrower and the mortgage servicing industry. | ||||||
| 12/05/2023 | Yes |
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| Request for Assistance with PNC Bank Wire Transfer Issue Hello, I'm writing to discuss a rather concerning issue that my business, Rocketserve.io, has encountered, involving a wire transfer to PNC Bank. It's been a challenging situation, and I'm hoping to get some help from the Consumer Financial Protection Bureau. Background : My company got involved in a solar project, requiring us to manage and buy some specialized parts. For this, we sent a substantial payment from our XXXX account ( XXXX ) to a PNC Bank account on XX/XX/2023. This transaction, tracked under Transaction Reference Number XXXX, has been a part of an ongoing investigation ( XXXX Case ID XXXX ). The Issue : Heres where it gets tricky. After sending the money, we found out that the funds, which were meant for buying parts for the solar project, were being shown for something entirely different " people helping people ''. This doesn't match what we agreed upon in our contracts. Because of this discrepancy, I had to step in and tell the fraud agent at XXXX not to release the funds to XXXX XXXX, the intended recipient. Adding to the complexity, I learned from XXXX that her bank account was shut down during this whole situation. Attempts to Resolve : XXXX has tried reaching out to PNC Bank multiple times, but there's been no response. It's left us in a tough spot financially and operationally. Request : I'm hoping you can step in and help sort this out. It's important for PNC Bank to address these issues, especially with the suspicions of fraud and mismanagement of funds. We need to get to the bottom of this and ideally get the funds returned to my account. Thanks for taking the time to look into this. I'm looking forward to any guidance or support you can provide to help resolve this unfortunate situation. I've attached documentation to help further describe the situation or support the wire transfer to the account in question. I'm hoping the money is just in limbo and can be transferred back to the now-closed chase bank account as previously mentioned as so we don't go out of business because we were frauded by some random client. Any assistance in resolving this would be answering a prayer. Best regards, XXXX XXXX XXXX XXXX Owner/Operator XXXX XXXX XXXX XXXX Order In, Service Out '' Office : XXXX ( XXXX ) Mobile : XXXX Toll-Free : XXXX | ||||||
| 09/14/2020 | Yes |
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| I have been scammed by an Absconder and filed two police reports. XXXX police told me to work with PNC. I did work with them and everytime from the branch to the telephone persons all they told me is to file a complaint. The complaint that they said will take 3 days to dispute a scam most 99 % won't be able to do anything to me. I have been asking for explanations and they never call me back when they said they will. I have to put in request to be called then they called me with an attitude we are working on it when i recieved a letter a few days ago saying that they won't be able to do anything because it's 3 days dispute and they can't find anything. Of course nobody is able to do any investigation work in 3 days, not even the police can trace me being scammed that fast. I gave them all evidence, the absconder list, police report testifying me. Nothing comes from their end but just a half of a job to do a complaint, 3 days passed, well PNC is not able to do it because their process takes 3 days to dispute?. I told the only person that call me back why is he saying they are working on it when i already recieved a result he said well he doesn't have to go over any clients files before he calls. Well if you don't care why even bother to call? Because people complained so PNC give them a half answers and if they are not satisfied still, pnc would just call and lie that they are working on it when i receive a letter from the dispute department saying they won't help? But the on call person from the same department would call me still and lie to me that they are working on it, then got busted and keep saying basically bad luck, do you want to file another complaint? Is there ang other things he could do for me in a threatening voice. Even worse, when i want to speak to a manager at the branch, they deny it, i wiped all of my deposit box and money and they treat me disrepectfully saying that it's my fault and its not on PNC. Well, you are the keeper of my money, it is your job to keep it and protect it. Another time at the branch, branch representative told me file a complaint again won't do anything, it will just bounce back the time for the investogation and make it longer so just stop?. Helpless, i have to report them. Even if i lose my money, PNC lose a customer for 7 years who deposited more than XXXX in those years | ||||||
| 06/10/2022 | Yes |
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| I am a long-time customer at PNC Bank . On XXXX XXXX XXXX, I attempted to make a XXXX transfer of {$500.00}. In error, two digits were transposed. A few days later, the recipient called to inform me they had not received the funds yet, which prompted me to call the PNC bank to report the issue as soon as possible. Prior to contacting PNC Bank, I tried reaching out to the phone number the funds were sent to in error and had no luck. PNC Bank took in my XXXX dispute and advised me an investigation will take place and someone would contact me. As of today, XX/XX/XXXX, no one from PNC Bank has reached out, however I received a letter dated XX/XX/XXXX stating my claim was denied because according to their investigation, " The Transfer was valid and processed as instructed ''. I decided to contact PNC Bank to inquiry about the claim determination and to understand how this " investigation '' was handled when they never called me. I spoke to someone named XXXX, she transferred me to someone else named XXXX. XXXX then told me that the investigation was done by validating the information I had input while the transfer was being done through the online banking portal. To my surprise, I can not understand how they considered this an investigation because I told them it was a valid transfer that I was making, however it was sent to the wrong person ( I guess, I conducted my own investigation ). I also questioned her about how PNC Bank protects their customers from situations like this, and if there is no protection for the customer, then why are they providing such service? She stated the service is protected, however only for Unauthorized charges, which makes absolutely no sense to those who are conducting authorized transfers. She then transferred my call to someone named XXXX which stated she would escalate my complaint and have someone call me. As a long-time customer, I shouldnt feel the need to be treated this way ; I made a mistake and did what I thought was RIGHT, but here I am- out of {$500.00} because PNC Bank offers a service at the expense of their customers. PNC Bank shouldnt promote a service they can not back up or offer consumer protection- this should be illegal. I would like for the {$500.00} to be credited into my account as soon as possible- thank you. I can be reached by phone XXXX or email XXXX XXXX | ||||||
| 12/01/2021 | Yes |
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| Prior to the global pandemic, my mortgage was paid perfectly. This included additional money paid monthly towards the principal. At the onset of the global pandemic, like most Americans, I found myself out of a job. I requested a deferment with PNC bank during that time to ensure that I would not get behind on my mortgage. My forbearance was slated to end in XX/XX/2021, as such, I applied for a loan modification XX/XX/2021. I knew that I would be incapable of paying a balloon payment at the end. All of my documents were sent via fax and emailed by, XXXX XXXX, from the XXXX XXXX PNC XXXX and through email from me directly. On XX/XX/2021, XXXX month after submitting my documents, I received signature required XXXX package from PNC Mortgage ( attached ). This document advised that my loan modification had been approved for a conditional trial period. While, thankful, I was confused as the dates on the document were past tense. I contacted the representative on the documentation, she was unavailable so I spoke with another representative who advised me that I would receive documents with the corrected dates via XXXX and I would here from the assigned representative. Neither occurred, so I contacted PNC Mortgage on XX/XX/2021, via phone and email. During that call, I spoke with XXXX ( operator ID XXXX ) who advised that she could not release any information to me, although I had verified my identity, she assured me that I would hear from my assigned representative, and they had 30 days to respond. I advised that that time frame had almost doubled, and I was still awaiting a response. I confirmed that PNC had everything that they needed from me. I received a signature required document via XXXX from PNC Mortgage ( attached ) today advising me that my request for loan modification had been denied. I am flabbergasted. After reading the letter, It appears asXXXX if I was denied because PNC Mortgage is awaiting information from a third party. That is outside of my control. I should not be faced with losing my home because the mortgage company has failed to check off a box. I will file a formal appeal and submit it this evening, however, PNC Mortgage has failed to communicate appropriately, as such, I have zero confidence in their ability to rectify this situation and that is why I am submitting this complaint simotaneously. | ||||||
| 04/15/2019 | Yes |
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| I use an online merchant to make purchases using my PNC Bank debit card associated with my savings checking account ... Immediately upon making the transaction on the site, it is recorded by the merchant and also appears on my PNC Bank online account in the pending transactions and the amount is removed from my balance ... I may make many such transactions in the same time period using the same debit card and with the same merchant ... All such charges initially appear on my PNC Bank online account and alerts are generated by my PNC online Banking account and I also receive both a text message to my phone and an email verifying each of these purchases almost instantaneously ... then some time later without my prior knowledge or consent PNC Bank arbitrarily removes some of the charges and adds the amount back into my account balance and the charges completely disappear from my account ... NOT even showing as pending and then sometime between three days to one week later the charges begin to arbitrarily reappear in the posted category and again are removed from my balance ... I have contacted PNC Bank customer service three times and the initial explanation given was PNC Bank contacts the merchant to verify that I made the charges and that merchant billed me for the charges ... I also directly contacted the merchant business and billing department in between the contacts with PNC Bank.. The merchant told me that they never verify charges with PNC or any bank ever ... I have spoken to PNC Executive Client Relations ... at no time did anyone from PNC Bank deny manipulating my account by removing legitimate charges without my prior knowledge or consent. The only solution offered by PNC Bank was that I am free to choose any other financial institution ... I only request that PNC Bank stop manipulating my online bank account by removing legitimate charges under false pretenses and with out my prior knowledge or consent..I have previously sent this complaint to the Office Of The Attorney General of the State of Indiana and received a letter stating the complaint had been forwarded to the CFPB ... when i contacted CFPB the representative could find no such complaint or information from the Indiana Attorney General ??? I believe this is a scam to enable PNC Bank to charge overdraft fees ... my opinion Thank you XXXX XXXX XXXX | ||||||
| 11/11/2021 | Yes |
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| I am having an issue with PNC Bank and BBVA bank formerly known as simple bank several months ago my debit card was stolen when my debit card was stolen the bank was transitioning from simple bank to BBVA upon learning my debit card was stolen and providing BBVA with the information BBVA refuse to assist me and continue to allow the debit card that was stolen to be used fraudulently causing thousands of dollars and unemployment deposits to be stolen from my account upon contacting BBVA they refused to file any transaction disputes in the beginning but later on filed some transaction disputes but refused to cancel my card stating they were unable to do to a shortage in cards and ability to get new cards during the transition from BBVA to PNC BBVA took money out of my account stating that they had improperly filed the disputes and therefore the money must be taken back now since BBVA is PNC PNC has not been working with me in a timely matter to resolve these issues I have adjusted these issues multiple times and try to contact the individuals who are supposed to help me one individual has specifically taken charge of this case but has been very difficult to reach and does not return calls or emails within a time we matter and when the individual does call back it's within the last hour of this individual being at work causing the call having to be ended and be resumed a different day as a result I have not been able to fully dispute the transactions on my account as well as PNC despite having a police report has denied multiple of my disputes giving different reasons for each time originally the first reason was because they stated that the chip was used in the card but did not pay attention to the fact that I reported my card was stolen the second reason was that there were other transactions that were undisputed at the time of the card being stolen completely disregarding the first reason and ignoring the fact that the police have arrested and are working on pursuing charges against the person that stole my card at this point I have lost thousands of dollars and have been unable to get any of it resolved due to the lack of communication and responsibility of simple bank BBVA bank and PNC Bank I am requesting that they return the money and assist me within a timely matter as they have not been able to do so such far | ||||||
| 03/07/2017 | Yes |
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| In XX/XX/XXXX we had a family emergency that resulted in a death in the family a few months later. In XX/XX/XXXX we missed a vehicle loan payment. From XXXX on we made full payments and were not aware of the missed XXXX payment. In the entire time we have been with PNC bank we have had little to no contact with the bank. When we lived in a state that had PNC we made monthly payments directly to the bank, and after we moved we were given a checkfree site to make payments that did not give any information about the loan. In our history that began in XXXX we have made full payments every month since the origin of the loan. On XX/XX/XXXX the vehicle was repossessed. After we talk to the bank trying to figure out what went wrong, we are informed about the XX/XX/XXXX payment and that our mailing address is not current. We changed our mailing address at that time. Upon learning of the repossession we immediately paid all the fees to make the account current. Mind you the repossession fees were more than the missing payment. It was never that we were avoiding the payment, it was that we were unaware that it had been missed. The bank informs us that letters were sent out to our old address and returned due to a bad address. Why would assume that there are issues if we have received letters from the bank in the past, at our current address, most recently XX/XX/XXXX offering other services, if there was a problem with our account. Our vehicle was repossessed over one payment from XXXX, we understand and would have gladly made things right had we known. This was n't an issue until now, and they claimed that they could n't reach us and did n't have our current address. A company was hired to locate the vehicle but no more effort was made to contact us, and the vehicle was repossessed. We were able to get the vehicle back that next day by making the missed payment, paying the associated fees to the bank and fees totaling {$520.00} to the various recovery/towing business. Since we have been in contact with PNC Bank trying to resolve the issue we have talked to a total of 5 different associates, seemingly having to start at the beginning with each of them. From what we are told our case has been elevated to the executive escalation department from the retail escalation department. But there is still no resolution being offered. | ||||||
| 05/18/2023 | Yes |
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Web | Older American |
| The Florida XXXX XXXX Assistance XXXX ( HAF ) approved and have been sending {$430.00} monthly mortgage payments to PNC Bank. According to XXXX from XXXX, on XX/XX/XXXX, XXXX sent PNC bank the mortgage payment that is due XX/XX/XXXX and PNC cashed the funds from XXXX on XX/XX/XXXX. Is already XX/XX/XXXX, and the mortgage payment that PNC received and cashed on XX/XX/XXXX from XXXX has not yet been posted to my mortgage account for due date XX/XX/XXXX. I have called PNC mortgage customer service, PNC XXXX clients relations and spoken to XXXX XXXX, Twinkle and others in the past XXXX weeks I have been told the same story ... ... that PNC is looking into it, but that it should be posted or I should get an answer in 3 days or so. First week in XXXX passed and no answer, XXXX week passed and no posting of the payment and no answer, XXXX week passed and the same and all along I have been on the phone various times each week inquiring about status of the posting to no avail. On XX/XX/XXXX, PNC bank charged me a mortgage late fee of {$14.00} for a payment they received from Florida XXXX but have not yet posted to my account. On XX/XX/XXXX I received a phone message from PNC Bank XXXX department. I called the mitigation department on XXXX, XXXX and was told it was regarding delinquent mortgage when fact my mortgage is NOT delinquent and PNC bank has been holding the HAF payment due XX/XX/XXXX for XXXX weeks. I told mitigation to read the notes on my account and the XXXX department told me that they see I have been calling and working with PNC XXXX customer relations. XXXX from XXXX relations tells me that she sent messages to the PNC XXXX XXXX representative who is suppose to look into this and approve the payment for posting and should get an answer in 3 days and I have been told the same thing for XXXX weeks. Where is the XX/XX/XXXX funds that PNC received and cashed from Florida XXXX for my mortgage due date of XX/XX/XXXX and how come they have not posted the funds to my mortgage account? It seems to me that the right hand does not know what the left hand is doing within PNC bank various departments and the latest funds that PNC received and cashed from Florida XXXX is being misappropriated to somewhere else and I have been given the run around. When is going to post the funds to my mortgage account? I ha. | ||||||
| 05/05/2023 | Yes |
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| I use XXXX XXXX XXXX located in XXXX MA XXXX. I was to receive {$6400.00} XXXX transferred to me from XXXX. My bank uses PNC for international transfers. On XX/XX/XXXX a transfer was made to PNC bank, however, I was not aware that the account information provided was incorrect, nd funds were never returned to sender. The transfer route was XXXX XXXX in XXXX, to XXXX XXXX in XXXX, to PNC Bank. Due to the account error information, the funds never reached XXXX XXXX XXXX and therefore myself. PNC never returned the funds. XXXX XXXX and XXXX XXXX placed an inquiry and trace indicated funds successfully transferred to PNC. PNC has not responded to any XXXX XXXX that was sent providing the correct information nor a request to pull funds back. I have caled my bank numerous times as well as PNC neither have been helpful. PNC will not look into it because I am not a customer and XXXX XXXX XXXX states PNC will not communicate with them since their information was not provided in the transaction. The XXXX bank and XXXX bank are not able to do anything more than request funds returned, and they have stated they have not received any communication from PNC at all. XXXX stated PNC received {$6400.00} XXXX on XX/XX/2021 at XXXX. I did have some communication with PNC escalation group, who were also struggling to receive return communication from their wire department, but they stated they could not locate and there was nothing else they could do. The XXXX code was correct, however, I provided my own bank account number in the transfer, I did not include XXXX XXXX XXXX information. Essentially, the transfer should have been made to PNC with XXXX XXXX XXXX account ( since XXXXXXXX XXXX XXXX is PNC customer ), then my information as the final beneficiary. The funds should have been returned but were not. Return my funds so that it can be sent with the correct information to complete the transaction successfully. I have spent a lot of time and energy to get this resolved and I am not sure what else to do in this case. The money can't just disappear and it belongs to me not PNC. Awful business practice that they are not able to help me because I am not a customer. I also feel as though my personal bank, XXXX XXXX XXXX, was lacking to support me or assist me with this matter, especially since they are PNC 's customer. | ||||||
| 03/11/2016 | Yes |
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| On XXXX XXXX, 2016 a pending transaction came through my account in the amount of {$700.00} which put me in a negative status. So while this transaction was pending at XXXX XXXX XXXX XXXX, 2016 a deposit came through which put my account to a positive balance. So the {$700.00} transaction posted on XXXX XXXX, 2016 which still left me with a positive balance. But they charge me a NSF fee, but I still had a positive balance but I was also confused. So I called the bank to see why I was charged a NSF fee when the deposit came in before the {$700.00} transaction posted. They said that it was because I did n't have the money in my account at the time that it pending transaction posted. Again I was confused and I thought that this was unfair because my deposit came through before the {$700.00} transaction posted. So I 'm really not sure what to do at this point. Now I have to pay the bank {$36.00} and then pay my rent office {$130.00} that I do not have. The way they have my transaction posted now is not how they had it on XXXX XXXX, 2016. I also called the bank on XXXX XXXX, 2016 and I asked them about the {$36.00} fee because the {$700.00} transaction had already posted. He kept saying that because of the way my transaction came through that 's why I was charged a {$36.00} fee. Again I still did n't understand.I explained to The bank that what I see they should see. But they said that 's not how it works although we see that everything 's all right on the account that is not how they see it on their end. I do n't think that 's fair at all because it seems like that 's how they make their money by charging fees when clearly it was n't necessary. When I spoke to someone on XXXX XXXX they said that my account was OK and that the {$700.00} ACH debit transaction was paid. So that means on XXXX XXXX, 2016 everything was fine except for the {$36.00} fee. But then I wake up on XXXX XXXX, 2016 and I see something totally different on my account. They 've already return the check to the my rent office and now I have to pay all these extra fees. This really upsets me and I do n't want to do business with someone who makes their money by charging fees.. So from this day forward I will be gathering up all my information so that I can change banks immediately. The whole process should take about a month but it 's got to be done. | ||||||
| 03/17/2017 | Yes |
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| I cancelled PMI premiums with PNC in XXXX. I previously filed complaint XXXX due to excessive delays in processing my request to cancel PMI premiums. This is not a duplicate complaint, although it is related. PNC delayed processing and continued charging premiums. The representative who contacted me regarding my complaint alleged that I would be refunded for the premiums they continued to charge. I mailed PNC a request to cancel PMI on XX/XX/XXXX, notifying them that I would be below 80 % LTV by XX/XX/XXXX. I called numerous times and received no response other than " we are submitting a request. '' On XX/XX/XXXX, 13 days after my balance became below 80 % LTV, I filed a complaint with the CFPB due to a lack of response. On XX/XX/XXXX, PNC mailed a response to me, asking for {$500.00} for an appraisal. On XX/XX/XXXX, a PNC representative finally contacted me by telephone. She forwarded me an electronic copy of the letter which had been mailed XX/XX/XXXX. I sent a check for {$500.00} by overnight mail which was received by PNC on XX/XX/XXXX. PNC cashed my check on XX/XX/XXXX. PNC then waited 15 days after cashing my check and mailed a response to me postmarked on XX/XX/XXXX asking for {$60.00} more for an appraisal. PNC received my check by certified mail on XX/XX/XXXX. On XX/XX/XXXX, 39 days after I reached the 80 % LTV mark, PNC charged me an additional premium of {$74.00} as part of my monthly mortgage payment. PNC routinely waited 13-15 days to respond to any communication, and continued charging me premiums. PNC finally arranged for an appraisal on XX/XX/XXXX, 56 days after I mailed my original request to cancel PMI. The appraisal sufficiently proved that my property has not declined in value. PNC withdrew a monthly payment of {$74.00} from my escrow account on XX/XX/XXXX and then withdrew an additional payment of {$74.00} from my escrow account on XX/XX/XXXX. On XX/XX/XXXX, PNC mailed me a " refund '' of {$42.00}, despite the fact that they charged my {$74.00} on XX/XX/XXXX and withdrew two monthly payments from my escrow account on XX/XX/XXXX and XX/XX/XXXX. I am therefore seeking the full refund for PMI premiums that PNC took from my escrow account in XXXX which is {$140.00} minus the partial refund of {$42.00}, per the terms of the Homeowners Protection Act and the terms of my mortgage. | ||||||
| 07/25/2023 | Yes |
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| On XX/XX/XXXX while in the branch of PNC the branch XXXX recommended I open a credit card with XXXX percent interest on balance transfers for the first 12 months. I accepted their offer and was approved for the credit card and authorized a balance transfer of {$210000.00} to XXXX XXXX Credit card and {$850.00} transfer to XXXX XXXX XXXX XXXX XXXX Credit card. The transfers were authorized with the credit card approval on XX/XX/XXXX. The XXXX XXXX transfer was posted to my XXXX XXXX credit card on XX/XX/XXXX and the XXXX XXXX XXXX transfer was posted to my XXXX XXXX XXXX Credit on XX/XX/XXXX. I set up auto payment transfers from my PNC checking account to my new PNC credit card to begin on XXXX and each month after on the XXXX of the month for {$500.00} each. I did this to pay off the credit card within the 12 months to avoid any finance charges. When my XXXX statement arrived in the mail, the statement period shown was from XX/XX/XXXX - XX/XX/XXXX, and the minimum payment was due XX/XX/XXXX. I had already made a {$500.00} dollar payment on XXXX so I was not worried about the minimum due. At sometime in XXXX I received the another statement from PNC for my credit card with a minimum payment due by of {$50.00} by XX/XX/XXXX, however I made a transfer payment on XX/XX/XXXX so I again was not worried about the minimum payment. However I did not notice the XXXX statement included a late fee of {$27.00} dollars and interest charges of {$1.00} dollars. When I received my XXXX statement this month I noticed a late fee of {$38.00} dollars and interest changes of {$1.00} dollars. I called PNC and disputed the late fee in XXXX and the interest charge and they reversed the charges for both. The next day I went back and reviewed my XXXX statement again and that's when I noticed a late fee that month too. So Monday morning ( XX/XX/XXXX ) I went to the PNC XXXX and explained the situation to them in person but she was not able to help me, she did escalate my request and I was contacted by a PNC representative who informed me they could not reverse the XXXX Late fee because they had already reversed the XXXX XXXX XXXX and PNC does not reverse XXXX late fees in the same year. Both the XXXX late and and the XXXX late fee are erroneous and should be reversed. I have made more than minimum payments in XXXX, XXXX and XXXX. | ||||||
| 08/02/2017 | Yes |
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| In XX/XX/XXXX I opened checking account with PNC bank when I started to work in the US ( XXXX, PA ). When I left the US I asked bank for international use of debit card. In XX/XX/XXXX PNC bank issued new card valid till XX/XX/XXXX. In XX/XX/XXXX I moved to XXXX ( I am XXXX citizen ). But on the XX/XX/XXXX of XX/XX/XXXX, I received letter from PNC, that my account closed on XX/XX/XXXX without explaining the reason. My debit card was blocked also without explaining the reason. I send letter through secure online banking message center, but only on XX/XX/XXXX I received letter with cashier 's check for the balance of XXXX XXXX. My bank in XXXX refused to deposit cashier 's paper check on my account and recommended me to use electronic transfer saying that this is usual internetional banking practice. I tried to find other bank or company in XXXX to cash out the PNC check, but nobody here accept paper check any more, in the era of smartphones and electronic transfers. My XXXX XXXX expired and I can not go to US to collect the money ( almost all my saving, I am adult and money for medicine ). On XX/XX/XXXX I sent complaint to PNC bank to inform the bank about impossibility to deposit check in XXXX and asked to annul the check and remit money via XXXX electronic transfer or through online banking or through my debit card to my account in XXXX ( complaint Reference Number XXXX ). But on XX/XX/XXXX PNC bank refused XXXX trasfer and refused to accept the return of the check, cynically apologizing for inconvenience for preventing me from the access to my money. As a result, from XX/XX/XXXX I have no access to my money that I entrusted the bank and do not see any way out of the situation. On XX/XX/XXXX, 6 months after issuing the casier 's check, it will be post-dated and I will loose even theoretical possibility to get my savings. PNC bank completely ignored my interest as customer and refused to cooperate to solve the problem. It was PNC bank who initiated closing of checking and saving account and bank should did everything to protect my interests, but didnot. Nobody asked me what is the suitable way of remitting the balance to me. Please note, that my account was closed immediately after I informed bank about relocation to XXXX. The bank knew that they use antiquated paper system that doesnot work outside the US. | ||||||
| 04/11/2018 | Yes |
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| This complaint is regarding my PNC Bank Credit card. I currently have 3 promotions on this account. # 1. 0 % on purchases - endingXX/XX/XXXX. Current balance {$3200.00} # 2. 0 % Balance transfer - ending on XX/XX/XXXX. Current balance {$1500.00}. # 3. 0 % Balance transfer - ending XX/XX/XXXX. Current balance {$1200.00}. I have been making payments well over the minimum balance due each month since I applied for the 0 % promotion on purchases onXX/XX/XXXX. I didn't check my monthly statements carefully until last month when I noticed that none of my payments were being applied to the promotion ending in XX/XX/XXXX. I contacted PNC bank and they told me it was their practice to apply payments to the balance transfer promotions before applying them to the purchase promotions. I asked if I could direct my payments to go to the purchase promotion. I was told, in uncertain terms, THAT I COULD NOT! I spoke to line representatives, their supervisors and finally XXXX XXXX XXXX of the Escalation Department. I searched the 1 page " Terms and Agreements '' that is included each month with my statement and could not find this policy. XXXX, today, referenced the 6 page " Terms and Agreements '' that came when my card was Issues. It does not state that policy! It says, in section 3.5 " How we apply your payments : Application of your payments is at our discretion, and generally that means that we will apply your payments to balances with lower APR 's before balances with higher APR 's. However, any amounts you pay in excess of your minimun payment due will be allocated to balances with higher APR 's before balances with lower APR 's. '' By this token, it would seem to me that any amount I pay in excess of minimum payment due would go to the promotion that is ending soonest!!! I asked if I were to pay the entire amount due on the purchases, would that be satisfactory, She said " NO. You would have pay all three promotions in full in order not to be charged the default interest rate on 12.24 % on the balance ''. I find this extremely unfair! I would like to pay off my purchase promotion before it expires, but can not do so without first paying 2 other promotions. I was never informed of this and it certainly was not made clear in the Bank 's Terms and Conditions. I am hoping you can help me resolve this issue. Thank you! | ||||||
| 01/18/2023 | Yes |
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| Transactions totaling {$2100.00} from my checking account from XX/XX/2022 thru XX/XX/2022 from a dispute for a fraudulent transaction from a company caught in a scam. Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. If banks are not for the customers, it's clear to see that PNC doesn't really care about their customers financial safety and correcting situations when THEY are wrong. If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product. However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ). In a day and age of social media ruining companies profiles and customer retention ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), one viral video could become a marketing and PR departments nightmare, especially when several customers have experienced the same issue and have the receipts, emails, and recorded phone conversations on how their trusted bank aids in supporting the companies that scam their customers over their customers hard earned funds on transactions they have the authority to reverse ( as I've had credits back to my account on a couple occasions when a service WAS NOT received and the bank REVERSED the transaction WITH NO PROBLEM ). Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ). | ||||||
| 02/27/2017 | Yes |
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| Purchased a new vehicle XX/XX/XXXX ; First payment due XX/XX/XXXX. Monthly payments {$490.00}. Mailed in 7 mths of pmts with coupons to pay thru XX/XX/XXXX. No issues. In XX/XX/XXXX ( XX/XX/XXXX ) went into a local branch ( branches are not near my home-FYI ) with coupons from XX/XX/XXXX-XX/XX/XXXX to pay 6mths worth of payments. Check {$2900.00} ; 6 pmts. XX/XX/XXXX ( a couple days ago ) received a late notice and late fee for XX/XX/XXXX payment. I called XXXX this morning XX/XX/XXXX to state NOT true paid late XX/XX/XXXX thru XX/XX/XXXX. Had to speak to escalation Manager XXXX XXXX, as no one in customer service seem to understand how to correct. Everyone I spoke including XXXX kept stating my contract does not allow payments to be paid in advance ... .Told her this was not the case as I already did it last year?? ( FYI calls stated they were being recorded so they should be able to pull info ). I allowed my wife to speak to them as she better understands all of this and works on consumers behalf in her line of work. I am lodging complaint for the following : 1. PNC bank does not allow pmt online for my loan unless I open a PNC acct -- THUS taking away my chose to choose. 2. PNC customer service wants to send back over payment instead of applying it properly -- XXXX stated I would have to write separate checks for each payment so that they can apply. 3. XXXX continued to separate PNC customer service from what the branch misapplied as if they are separate institutions. 4. All customer service reps and XXXX who is an escalation manager tried to get me to believe it was my contract that states early payment not allowed when they accepted the payments last year. I asked for a removal of late fees, for this to not hurt my credit as it is excellent and I was forced to accept a payment of {$2400.00} back as she stated they could not apply????? Who does n't want to get paid??? My wife put out several tweets to @ PNC and @ CFPB to get someone to respond. I went to a branch in XXXX Florida and the manager there said he would see what he could do to help. I 'm just not sure why is this not an easy fix? If I could pay online I would have this issue. I should not be forced to write 6 different checks for you to apply 6 pmts??? I pay for these checks and should be able to pay you as legal tender with only one!! | ||||||
| 07/09/2016 | Yes |
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| My husband and I live in XXXX, XXXX, in a single family home. We are seeking a Home Equity Line of Credit ( HELOC ) from PNC for several home improvement projects. We started the application process with PNC in XX/XX/XXXX. Today is XXXX XXXX. PNC requires a full home appraisal, and I met the appraiser at our home almost three weeks ago on Monday, XXXX XXXX. The appraiser has yet to provide the appraisal report to PNC. According to PNC, he is having " computer issues ''. We have asked our PNC representative, through four different messages, to let us know when we will receive a copy of the appraisal and when our application will be decisioned. PNC does not know and tells us that the issue has been escalated to a supervisor. We asked that the appraisal order be cancelled and a new one opened, twice, and received no response. We asked that the delay be further escalated as an issue. No response. We understand the importance of the appraisal report so that PNC can render a credit decision on our loan application. We have outstanding credit and have provided all information requested by PNC in a timely manner. In return, we ask for assistance in either obtaining the appraisal that was already completed or ordering a new one as soon as possible. Waiting three weeks for an appraisal report to be completed is unacceptable, and the lack of feedback and support from PNC is deplorable. I have worked in the lending industry for a decade, and I am ashamed that this is the service that hard-working Americans are receiving from big banks. We feel bullied. The bank has all of the power - and all of our confidential personal information - and we no longer trust them to have our best interests in mind. The lending industry has come a long way, but the journey to restoring the trust among big lenders and the American people has XXXX steps left in it. Let 's start by guaranteeing that every American seeking an asset-based loan can obtain an honest, relevant, thorough, fact-based appraisal report within 10 days of when the order is placed. If the order is not completed, the appraiser should receive penalty points, and the lender must order a new appraisal immediately. If an appraiser accrues a certain amount of penalty points, s/he should lose their designation as an appraiser and be barred from working in the field. | ||||||
| 04/13/2021 | Yes |
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| Hello, Beginning on XX/XX/XXXX I have been in contact with PNC bank, the lender with which I have my first draw PPP loan that I acquired in XXXX. I took a conservative approach when I took out my XXXX PPP loan and did not request it for as much as I was eligible, as I did not include my own personal salary for which I pay myself biweekly. This year, when the SBA announced that they would be relaunching the PPP program with a number of different amendments, including allowing Customers to apply for an increase to their first draw PPP loan. The procedural notice was issued Wednesday, XX/XX/XXXX, and today is XX/XX/XXXX. PNC still does not have a method by which a customer who has their first draw PPP loan with them can actually apply for said increase. The guidance given by the SBA dictates that increases to first draw XXXX loans can be made only by the lender of record for the loan i.e. the lender that is reflected in the SBA system as the current owner of the loan. Because I bank with PNC, and because my first draw PPP loan is with PNC, I am unable to apply for an increase. Its been three entire months that PNC has had to actually stand up a process to meet the customers needs. Other financial institutions like XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have successfully set up processes. By not complying to this SBA procedural notice, PNC is doing me and many other customers a disservice. I have contacted my banker no less than six times since XX/XX/XXXX, each time Im given a vague reply like its still in the process as an established yet, will let you know when it is. This back-and-forth and runaround has gone on long enough. The funds allocated to PPP by the SBA that Congress approved are dwindling with a {$10.00} XXXX a week run rate, at this rate folks are projecting the funds to run out in the next 2 to 3 weeks. Even at a more conservative run rate, it is not likely that the funds will even last until the program ends on XX/XX/XXXX. Even still, I do not have faith that PNC bank will actually have an established process for me to even apply for an increase. All Im asking for is the opportunity to apply for the increase as laid forth by the SBA according to their procedural notice. I would appreciate if the CFPB could investigate as to why it is taking so long to stand up this process at PNC. | ||||||
| 03/11/2020 | Yes |
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| On XXXX of last year I noticed 2 fraudulent charges in my account. One for {$270.00} and another for {$250.00}. The moment I realized I contacted PNC immediately and notified them. I just joined this bank and already I was experiencing fraud, topped with their terrible customer service experiences I decided to close out all of my accounts with them. Of course the closing of my accounts took forever with their employees refusing for over an hour and a half to let me speak with the necessary parties to do so. When I finally got someone they stated they had to wait until XXXX to close out the one remaining checking account that holds the dispute for the two fraudulent transactions mentioned earlier. I said that was fine since I know I didnt make those two transactions. Keep in mind since their service was so bad, coupled with I didnt even receive a fraud alert for such major transactions I switched back to my previous bank XXXXXXXX XXXX since XXXX of XXXX. XXXX XXXX has been my main bank since and no transactions at all have been coming out or deposited into PNC. Yet somehow with the account they refused to close because of the pending dispute ( still not sure why its taking them 3 months for transactions that werent mine ) they are charging fraudulent fees. This checking account is a student account thus there is no monthly fees, so I dont get what fees theyre charging for in active account bringing it to the negatives and then having they audacity to charge overdraft fees they created. Fast forward to XX/XX/XXXX. I opened the app to finally see if they closed out the account only to see they refused the dispute asking me to pay for transactions I didnt make. Yes an app had to tell me they never sent a letter or called!!! This bank is above ridiculous! Im not paying for transactions I didnt make, and fraudulent fees theyre charging me because they want to keep an unwanted account open. I did some research and found out Im not the only victim to this scam of theirs, there was a whole lawsuit in XXXX by many customers of the bank and if they dont rectify this situation I will be their XXXX lawsuits and I have proof of not even having access to my bank/debit card at the time of the fraudulent transactions. Im tired of calling just to be transferred around for 2 hours because no one wants to help me. | ||||||
| 07/28/2021 | Yes |
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| XXXX Deposited a third party check ( {$12000.00} ) signed over to me from my husband via an ATM PNC bank where my bank account has existed for 30 years. XXXX The check was deposited and withdrawn ( no notification from the bank ). I discovered when I checked my balance. XX/XX/XXXX I called the PNC branch in XXXX, OH to understand why the deposit didnt go through. XXXX ( the teller, said it was because the check was over the amount allowed to be deposited into the ATM. When I went into the branch later that day, the branch manager said it was because my husband isnt their client and they can not verify his signature. They were unable to return the check to me, but said I would receive a replacement legal check in the mail within 7-10 days. XX/XX/XXXX I called customer service for the status of the check. I was told the check was sent on XX/XX/XXXX. Then waited. XX/XX/XXXX I called customer service for the status of the check. The representative told me they can see that the check was lost. She said she could reissue the check but it would take an additional 7-10 days. So instead she encouraged me to go into the branch and told me to ask them to have Returns overnight the check. XX/XX/XXXX I left work early to get the branch before XXXX only to discover the banks new hours are XXXX. I got there at XXXX. I work from XXXX and will not be able to get there during their open hours until the weekend. So I called customer service. I spoke with XXXX who was helpful, but didnt have the structure in place to escalate my call to a manager. If the branch can request a check to be sent overnight, why cant customer service. We are living in a digital age. She had already sent me a multi factor identification code via text. But alas she did not have the ability to make the over night request. She also was unable to take the call when I asked for a manager. She wasnt able to get me to the Office of the President and when I let her know I would go public the best she could do was submit a complaint to have someone call me back at some point in the next day or so. XX/XX/XXXX I still havent heard anything from PNC bank. I still do not have the check I deposited on XXXX. And I have no idea when I will. I have lost all trust with PNC bank. And upon receipt I will be taking my business elsewhere after 30 years. | ||||||
| 03/06/2022 | Yes |
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| This would represent the 1st of a few complaints. In XX/XX/XXXX, I purchased a {$18000.00} certificate of deposit. As I can remember, I was told it was a tax write-off. I was also told it would automatically renew ever 5 years. What I was not told was, if the bank is sold, I will not be able to get my money back. From what I gathered, XXXX Bank sold out to XXXX and XXXX sold out to PNC Bank. I have other information that state that XXXX Bank sold out to XXXX Banks. in XXXX, i was losing about {$40000.00} per month in the violation of the RICO Act and in violation of 18 USC 1956 " money laundering or proceeds form specified unlawful activity with XXXX Bank facilitating those crimes. That is in another complaint against XXXX Bank. I do not think it is felonious activity should be excused when public officials/ court officers are involved. I have included the Certificate of deposit that I never collected from. I did hire a lawyer and was still unsuccessful in getting my money. My understanding from my lawyer is that PNC sent bulk money to the NC State treasury without identifying information with it. The State want a letter for PNC stating what batch of money my money was in, PNC refuse to provide any such statements. we as citizens work to have our money stolen, than we are expected to pay more money trying to get back money we have already worked for. That is starting to look a lot like slavery involuntary servitude and racketeering facilitated by the Banks, we work and they take the money. I am a farmer, a licensed general contractor and father, I do not know how to deal with banks who intentionally ignore the CFR regulating the banking industry. In all, we are out about {>= $1,000,000} from the time I purchased that certificate until XX/XX/XXXX. considering what all that has happened related to Banks, money laundering and the violation of the RICO Act, after the lost of this {$18000.00} plus interest, I feel this is a common practice in banking in the united Sates to perpetuate slavery. it is my firm belief that the State of NC facilitate the banks and lawyers in stealing millions from the XXXX community with impunity. I firmly believe these acts are intentional acts to harm the economy for XXXX citizens in NC as was done in the XXXX XXXX XXXX, they are still doing the same thing in XXXX | ||||||
| 04/03/2017 | Yes |
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| After paying a mortgage for 15 years without issue. In XX/XX/2010 I starting having difficulties paying my mortgage missed two consecutive payments and PNC returned my checks and refused payments. I did n't have anywhere to turn, with financial difficulties I decided it was best to put my property on the market since I owed more then the property is worth. I had it listed with three different Real Estate Brokers and was not able to succeed with a short sale on the property even thought there were buyers the bank turned them all down, with no offers over asking price off {$290000.00}. The Real Estate agent who currently has my property listed received an offer of {$270000.00} cash. PNC told my agent that because a short sale was reviewed already they will only allow it twice and I have exceeded that. First time was because the offer was too low and the 2nd was because my agent called and I was in a Bankruptcy, PNC counted that as the 2nd request. I am trying too get my life back on track and not have my property foreclosed on due to the severity of the impact it will have on me for quite some time. The reason for low offers are due to the condition of the property not having the financial backing with the serious draw backs which was not understood by the Appraiser. Their are 4 serious issues that were not considered in the bank arriving at there value. 1. Appraiser omitted the fact that the building department will require a {$60000.00} expense to repair a retaining wall and a new garage, which must be bourn by the new buyer within 90 days of purchase. ( photos included ) 2. The house is physically and structurally a knockdown. ( photo included ) 3. The driveway has an easement with XXXX other properties. 4. The house is a non-conforming lot that requires a variance to build a replacement home. ( see building code requirements attached ) The buyer is ready able and willing to move forward knowing before he can get the approval for a variance he must comply with the violation with the XXXX. ( attached violations for retaining wall and garage ). I have also attached a letter from the buyer addressed to the law firm who is foreclosing, sale contract, proof of funds, MLS listing. Please understand this property is not salvageable and the purchase is based on the land value minus the retaining wall. | ||||||
| 03/26/2016 | Yes |
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| As I attended the University of XXXX in XXXX PA between the dates of XXXX to XXXX, I had to take out a combination of loans, both private and federal. The school was XXXX of the best schools I got into and I did n't have the best grades in high school so when I got accepted and started attending the only thing I cared about was staying there and graduating, which I did and I am very proud that I have. However, the tuition there exceeded the amount of money the Federal Government would grant me in loans, thus I had to take out pricate loans through PNC bank to support the remaining costs. In the end I had about XXXX of private loan debt and XXXX of federal loan debt. The XXXX I have to pay a very high amount, almost {$500.00} per month and I can not change that number, can not refinance, can not renegotiate, and am powerless also on the interest rates since they are variable. I do not make a ton of money each year and in combination with my federal loan monthly fees, the total is over {$700.00} per month in just loans. I work in the XXXX, so I dont make a lot of money. The only options outlined to me was that if I wanted to get a new monthly payment, a lower one, Id have to take out a personal loan through a bank. They would not approve me for a loan of XXXX unless I had collateral, like a house or an expensive vehicle. Ive contacted private institutions, like sofi loans and the quotes of their interest rates are unbelievable, XXXX and up. Id be paying over XXXX if I took out a private loan per month. I am stuck. I find ways to work XXXX jobs to stay afloat and the downside is that if I make too much money then my federal loan payments go up since Im on the IBR and would leave me paying close to XXXX per month in just loans. I find it unfair that students are being put into situations like this because they attempt to get a good education. I went to school for 7 years and at times I wonder if I just stayed out of school maybe Id be a XXXX making close to what I make now an hour, its depressing. Its not fair that the private loan companies take advantage of uninformed students and lock them into loans that are VIR ( variable interest rates ) and despite me paying them back since the end of 2012, never missing a payment mind you, they dont offer me any other possible change to the repayment plan. | ||||||
| 06/22/2018 | Yes |
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| Our mortgage is with PNC Mortgage. It was previously XXXX XXXX and since PNC took over we have had nothing but problems with PNC. We show a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/2017. There were many things that occured that caused these to be late. First we thought we were set up for automatic payments online but their payment system did not work properly. When we were notified ( finally after 2 weeks ), we tried to make the payment online as a one-time payment. Again it looked like it went through from our end but it didn't work. After more than a week we found out it didn't go through again because of PNC 's faulty payment system. We decided to mail a check for the payment. After several days we got the payment back as underliverable. I noticed the statements they mailed us had a different address then the payment book. The payment book also had the wrong amount of it. Now we were having to play catch up because we had more than one payment that didn't make it. We thought the money had already come out of our account and we didn't check our bank statement. Once we found out that we were behind 2 payments we had to take a loan out on my husbands retirement. It took a while to come in but as soon as it did we got all caught up. This was the only time we have been late. We have disputed this with the credit bureau 's and with PNC and have gotten no where. While we should have checked our bank statement this should never have happened. Their online payment system is truly faulty and this is not our fault. In addition to the issue discribed above, their payment system doesn't even allow you to pay online if it is after the XXXX of the month. This makes it really hard to get them payments. We also believe that having more than one address ( statement address vs payment book ) is ridiculous and our payment should not have been sent back. We are trying to remortgage our house to include a balloon payment due mid XX/XX/XXXX that the previous owner of the house took out to assist us in the purchase of our home. These late payments are keeping us from doing this. We need to be able to remortgage to pay off the other loan. We have hit nothing but road blocks from PNC. We even contacted them by phone when their faulty payment system caused us to get behind and they refused to help us out. | ||||||
| 01/12/2022 | Yes |
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| On XX/XX/09 I made a deposit into my checking account for about {$100.00}. At the time my account was negative about {$15.00}. XXXX I use my debit card to pay for a night stay at XXXX XXXX XXXX XXXX XXXX XXXX I go to atm to deposit cash to pay for another night and the ATM says my account has been deactivated- I call the bank they say my account is closed for inactivity for 30 days. - it was not inactive as I just made a deposit and purchase the prior day. I looked up their regulations on closing accounts and a customer has 60 days of inactivity before closing. - after phone call I check my mobile banking app it shows my account is still active with a XXXX balance. - I call the customer service number on back of the card it says " your account is active with a balance of XXXX dollars. '' But this was not being reflected on the app. - XXXX I visit a PNC branch on XXXX XXXX and XXXX XXXX The woman teller was clearly not wanting me to view specific information. When I asked for a printout of my transaction history she responded with " sure I can give you your last transaction '' I ended up getting a list of the last XXXX months. - I see MULTIPLE unauthorized transactions, and incoming deposits that were being blocked by the bank so I go home and call the customer service number. - I talked with about XXXX different people whom all sounded like they had no education in banking. They kept saying there's nothing I can do. - I got to a lady who was able to go over the account history with me and what she had in her system was completely different than the printout they provided me at the bank. For example, on my printout it says a company deposited XXXX dollars on a specific date. In the lady 's system it showed that instead that company withdrew XXXX dollars. It showed no deposit. - XXXX I call the bank and they refuse to acknowledge my concerns and say there's no manager, they only give me their first names after asking for my full name XXXX and social. - They said the transactions coming in can be placed into my savings account. I don't use this account so I looked online to make sure it was still active and it happens to close today. - my identity got stolen a while back and this is probably the XXXX business I've came across that is misusing my information to do fraudulent crimes. | ||||||
| 03/13/2019 | Yes |
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| PNC Bank is committing MORTGAGE FRAUD & is in Violation of a Court Order by the NJ Superior County Court. PNC BANK Refused to follow a Court Order Power Of Attorney, granting me ANY & ALL access to manage, make changes, sign on behalf of the borrower ( my ex ). The Court Order was sent 3 times by fax & Email ( Exhibit attached - emails & Fax Records ) The Consumer & Mortgage Fraud & PNC 's efforts to STEAL my property, are evident in the bank having selectively provided me with information regarding this account at times, then denying access to the account balance and variable payments required by the payee, so as to set up the payee towards a default. DESPITE BEING THE PAYEE MAKING PAYMENTS & HAVING RECEIVED THE POA & THE PRIOR AUTHORIZATION TO ADMINISTER THIS ACCOUNT SINCE XXXX, AND MY REPEATED FAXED REQUESTS FOR MAILING STATEMENTS TO THE PROPERTY ADDRESS, PNC HAS INTENTIONALLY IGNORED ALL OF THE ABOVE. NOW THIS FILE IS IN LOSS MITIGATION AND PNC REFUSES TO PROVIDE ME WITH ANY INFORMATION ON THIS ACCOUNT I have been making payments diligently on this account. Despite the Power of Attorney & authorization, PNC Bank has consistently denied me access to ANY information on this account. Further, despite receiving my check payments, with the property address listed as my address, AND despite the repeated faxed and emailed communications to PNC, to mail me statements and relevant documents, I have NOT RECEIVED EVEN A SINGLE STATEMENT, NOR ANY DOCUMENTATION REGARDING THIS ACCOUNT FOR ALL OF XXXX & XXXX YTD. I have made several calls to PNC customer service throughout XXXX and visited the XXXX XXXX NJ branch several times ( XXXX XXXX the issue being escalated to Executive Client Services ( XXXX XXXX - XXXX ) and PNC Legal Department. In the end I was informed by XXXX XXXX ( Loss Mitigation Department ) that PNC Bank WILL NOT FOLLOW THE COURT ORDER BECAUSE THE BANK WAS NOT PARTY TO IT & I COULD GO AHEAD AND FILE A COMPLAINT IF I CHOSE TO. Please investigate PNC CORRUPT BANK and the named staff for a resolution. I have been a loyal customer since XXXX and this bank is trying their best to steal my house from me, a single mother of a special needs child ... and make me homeless DESPITE MY MAKING THE PAYMENTS EVERY MONTH! I HAVE NOT MISSED A SINGLE PAYMENT SINCE STARTING IN XXXX! | ||||||
| 03/29/2016 | Yes |
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| 1 ) I had a traditional Individual Retirement Account ( IRA # XXXX ) with PNC Bank, invested in a XXXX Fixed Rate Certificate ( CD # XXXX ). The IRA and the CD were originally opened with XXXX XXXX XXXX Bank XXXX XXXX XXXX, and were acquired by PNC when XXXX merged with it in XXXX XXXX. The CD was most recently renewed for a 24-Month term on or about XXXX XXXX XXXX. 2 ) I received an account Maturity Notice from PNC on or about XXXX XXXX XXXX. This Notice stated that the CD would mature on XXXX/XXXX/XXXX with a value of {$4200.00}. It also stated that, unless otherwise directed, the CD would be automatically renewed for an identical term, at a rate to be determined on the Maturity Date. 3 ) The above-referenced Notice and the original agreement provided, inter alia, for a grace period of ten ( 10 ) days beyond the Maturity Date for making penalty-free changes to and withdrawals from the CD. 4 ) On or about XXXX XXXX XXXX I mailed a Direct Rollover Transfer Request to XXXX XXXX XXXX bank ( XXXX ), asking that the entire proceeds of the CD at PNC be transferred on the Maturity date to my IRA account at XXXX. This was done in a form provided by XXXX, and included full particulars of the IRA and the XXXX at PNC. 5 ) After telephoning me in the following week to verify all particulars of my request, XXXX sent me an email on XXXX XXXX XXXX, confirming that they had sent the Transfer Request to PNC Bank for processing. PLEASE NOTE that this was a full twelve ( 12 ) days before the end of the grace period for penalty-free withdrawals from the PNC account. 6 ) After a delay of several weeks, XXXX confirmed that an amount of {$4200.00} had finally been received on XXXX XXXX XXXX from PNC. On or about XXXX XXXX XXXX I also received a notice from PNC ( mailed on XXXX XXXX XXXX from ZIP Code XXXX ) confirming the closing of the account and the transaction amount, but without any other accounting. 7 ) This unexplained discrepancy between the maturity amount and what was ultimately transferred leads me to conclude that PNC Bank had willfully and intentionally delayed transferring the funds till after the grace period had expired. Then, invoking the early-withdrawal penalty provision, they had confiscated {$24.00}, which exceeded even the {$21.00} the CD had earned over the preceding 24 months. | ||||||
| 05/28/2019 | Yes |
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| I called PNC Bank to ask to have my PMI removed. They said that I could not talk to the insurance administration directly, that I had to send an email and all communication would be sent via mail. I find this very frustrating that I can not talk directly through email or a phone call regarding the PMI, that I have to communicate through mail. This takes a very long time, and seems to be a tactic to discourage people from getting their PMI removed. I received a letter about one month after my call stating that they could not remove my PMI because my loan to value ratio was 85 %. The letter stated " At the present time, the loan to value ( LTV ) ratio is 85 %. The investor requires that we calculate the LTV by dividing the current principal balance, {$260000.00}, by the purchase price, {$300000.00} or by the original appraisal value, {$320000.00}, whichever is lower. {$300000.00} was used in determining your LTV ( PNC Bank XXXX ). Then another letter came in stating that " The investor requirements state that you must show proof of value of your property, which would reduce the LTV to 75 % ... Loan investor requirements state that the appraisal must be processed by PNC, National Association ( PNC Bank XXXX ). '' To summarize my issues : 1. I can not speak directly to the PMI department of PNC Bank. All communication is through an initial email and then only mailed letters that are 30 days delayed. 2. PNC will not use my original appraisal value, instead they choose to use the lower value, which is the original sale value to calculate the loan to value ( LTV ) ratio. 3. PNC imposes a stricter LTV of 75 % rather than the Federal LTV of 80 % 4. PNC required me to use XXXX XXXX, which is jointly owned by PNC and XXXX at {$500.00} for an appraisal. They also will include additional fees if I live in a rural area ... which is not defined. They will not allow me to use my own appraisal company. 5. The letter states that the appraisers scheduled by XXXX are independent contractors and are not employees of XXXX XXXX or PNC. I don't understand that because the company is owned by PNC, therefore they are employees of PNC and are not independent. I greatly appreciate you assistance. As of this year ( XXXX XXXX ) I have paid {$650.00} into the PMI that should be going towards payment of my home. | ||||||
| 03/16/2017 | Yes |
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Web | Servicemember |
| I receive XXXX income on the XXXX of ' each month. My XX/XX/XXXX XXXX payment was inadvertently sent to the incorrect PNC checking account. I notified my local XXXX office and my bank, PNC. I held a three-way call so we could resolve the matter. PNC was able to locate the funds which was being held in another customer 's account ( name withheld for privacy reasons ), however they only placed a hold on the customer 's account. PNC initially stated that they could transfer the funds to my account, but later explained that the government would need to re-call the funds and re-deposit the ACH ( Automated Clearing House ). However, PNC did not offer a " provisional credit '' which would have prevented additional fees and overdrafts to our account ( my spouse is an account holder as well ). PNC agreed to refund {$660.00} in fees charged to my account if I provided a letter from the government admitting fault. I was able to obtain this letter from the government and it was provided to PNC Bank immediately. However, a lead at PNC decided to rescind the verbal agreement and was only willing to credit my account approximately {$310.00}. XXXX called to notify me of the change in decision. Additionally, I was told that, as a bank, " PNC had to make money too. '' XXXX contacted me several days later and was also involved with the issue of not crediting the agreed upon amount. I recently spoke with XXXX who was extremely helpful and escalated the issue in a attempt to reach my desired resolution. The last conversation I had was with XXXX on XX/XX/XXXX, who only stated, " We are not going to be able to refund any further fees. '' There was no explanation except, " We already refunded fees. '' This is completely unacceptable since he ignored the purpose of my call and the outstanding problem. The major issue are the bank fees which are continuing to accumulate and we have now paid PNC over {$1000.00} in fees which should have been resolved from the beginning instead of compounding the problem. For example, my recent monthly deposit in the amount of {$1900.00} { XXXX was paid to PNC and only {$700.00} was paid to me }. This same issue began in XX/XX/XXXX and has continued through XX/XX/XXXX! PNC should review the way they handle their financial institution along with excessive fees they charge customer. | ||||||
| 12/02/2022 | Yes |
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| After seeing 3 different branch managers and an uncountable amount of phone calls with corporate for over a year, for simply wanting to cancel wire services since XXXX of 2021, getting charged monthly fees for a service I requested to cancel, getting charged for stop payments on multiple occasions for transactions I did not authorize and still getting rejected, after so many bank visits, emails, additional monthly fees for XXXX knows what that no branch manager or account specialist or customer service rep could even explain to me what these fees are for, let alone follow up or do anything about it - I finally was able to close my two business banking accounts with PNC today. I feel humiliated and cheated out, since all these fees and unauthorized charges totaled over a couple of XXXX dollars. Each time I came last to visit PNC bank branches in XXXX XXXX XXXX XXXX XXXX branch managed by a XXXX branch XXXX named XXXX, XXXX XXXX branch managed by a careless branch manager named XXXX XXXX XXXX and a downtown branch formerly managed by XXXX ) I felt XXXX small and unimportant. They've all seemed " so helpful but busy '', telling me to send them an email, never following up, never calling back, never doing anything about it. When I call corporate they start telling me that I did request a cancelation for my wire services back in XXXX of 2021, but the branch manager never gave me another paper to sign to confirm it? Why is it so intentionally convoluted? And when I ask the branch managers about it they look at me as if I just landed from XXXX. They even put a new " work order '' for the wire services cancelation a month ago and never followed up with me about it. I have email communications proving all of this, bank statements and if needed deeply enough you could look into camera footage and see the amount of hours I spent in frustration at these branches, to no avail. This bank is run by XXXX, and even if I don't get anything back I want people to know about this running XXXX of a crime organization, claiming to be a bank. I'm just beyond tired of all this. If needed more evidence, I'm more than willing to dig through and gather any information about what I said here, I'm just so exhausted from dealing with such nonsense while on top of that trying to run a business, let alone have a life. | ||||||
| 11/03/2021 | Yes |
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| I am now an account holder at PNC Bank as a result of their recent acquisition of the U.S. operations of BBVA Bank. Shockingly, PNC is not making digital access available for past statements before XXXX of 2021. While a customer of BBVA was told that should I elect to forgo paper statements that I would have access to 7 years of past statements. This remained true until XX/XX/2021, when the transition to PNC occurred. Current PNC customers are also told that should they elect to forgo paper statements that they will have access to digital copies for 5 years, however, those of us who have been merged into the system are only being given access to 3 months of historical data! I have requested of PNC that I be given copies ( digital or paper, their choice ) and I have been told that I will have to pay for these copies ( {$10.00} per statement X 81 months for a total of {$810.00} U.S. Dollars! ) This is for data that was readily available to BBVA customers at no charge before XX/XX/2021. I have explained that without this documentation that it will put both business and personal account holders in an untenable position should they be required to document their past banking transactions ( examples include IRS, state and local revenue departments, and insurance providers ) in the future. On XX/XX/2021 I received an email from PNC/BBVA stating the following : " Plan ahead for your banking needs over conversion weekend. Beginning at XXXX XXXX. CT on Friday, XX/XX/XXXX, BBVA USA Online and Mobile Banking will be available in view only mode. You will be able to see a point-in-time view of your account balances and history, but you will not be able to perform any online transactions. Additionally, credit cards and lines of credit will not be visible. '' Clearly, this is a complete misrepresentation of the current reality as the BBVA website was taken down on XX/XX/XXXX and customers were forced to migrate immediately to the PNC website. ( The inability to make withdrawals and deposits was to be expected, but the removal of the ability to see historic data is unacceptable ). Again there are only 3 months of BBVA statements currently available on the PNC website. PNC needs to correct this issue immediately, and these banks who desire to buy other banks must be held accountable to the customers. | ||||||
| 04/16/2016 | Yes |
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Web | Older American |
| I have had a checking account with PNC BANK for many years. I am a XXXX XXXX year old XXXX who has his social security XXXX pension deposited directly in my checking account. I have huge medication expenses and during this time of the year I sometimes overdraw my account. I have opted in for overdraft protection which I know will cost me a lot when I over draw. I have tried to open a savings account to protect me from these large charges but I am XXXX miles from the nearest branch and therefore PNC says I can not prove who I am as required by the Patriot act. They do n't like old people I think. In order to effect a better option for overdraft charges, which are killing me ( I am a XXXX XXXX patient ), I called the bank several times and they suggested that I apply for a PNC VISA CARD and opt to use the credit limit on the card to act as my overdraft protection. This I did and a PNC VISA credit card with a {$1000.00} credit limit was granted to me. I was told that this card would be used for my overdraft protection. They advised that my credit card limit would be used as my over draft protection, but I would incur a cash advance charge when that feature was used to comer my overdraft. I so agreed. I am XXXX and can not read with my XXXX ( XXXX which I do n't have at this time ), so I called the bank many times to assure myself that my overdraft protection up to my credit line was in effect.i was told it was. The bank erred the first few times I had an overdraft and they charged me about {$70.00} as I recall. I called them and they acknowledged their error, that being that my visa credit line was not attached to my checking account properly and they would do so immediately, and refund the charges. This worked for awhile and they would debit my Visa and charge me {$10.00} each time. I thought {$10.00} was too much as no one ever told me it would be that high. After awhile PNC again started charging me {$35.00} X XXXX every time I over drew. My check is only {$1700.00} so this really hurts. The bank knows of my low vision problem. This past month these charges amounted to over {$270.00} which I think is unlawful. I called them and that they reverse all the charges as I had more than {$600.00} of my credit left on my Visa. They refused. Please see if you can help me. Many thanks XXXX XXXX | ||||||
| 02/28/2018 | Yes |
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Web | Servicemember |
| My client recently completed her CH XXXX BK and was granted from the courts to proceed with refinancing her property. The existing payoff was held with PNC Mortgage and they took over 75 days to provide the payoff demand in order for the new escrow company to fund and record. As the lender, we had everything ready to be completed in 20 days knowing we had a 45 day lock period incase there were delays. From day 20 up to day 75 or 76 we could not receive the pay off demand costing our branch over {$1500.00} in extended lock charges. Not only do I have email records from myself and the escrow officer trying to get the information form PNC but I have an entire conversation timed and written down with names and discussions about how their process works in order to speak with a supervisor or a manager. It's impossible and they will not allow you to talk to anyone directly, you have to speak with a representative who then types the message while you wait on hold for the response. Because I was insistent on staying on the phone from XXXX XXXX they lied to me about the release and once I called back to confirm, nobody knew what I was talking about and couldn't release the information to me without filling out and authorization form. The authorization form I was told can take up to 5-10 business days to be accepted. Escrow was told at least twice that the pay off demand would arrive in 5-10 business days as well.Each time you call and ask for the pay off department you are sent to a recording and automatically hung up on. The entire process was a total nightmare and because of my escrow officer bending over backwards each day for over a month and a half, somehow it was finally provided. I want to know how a company can get away with that type of system, costing other lenders money, taking time away form other people 's jobs, and not have consequences for their actions and lack of care for the client. If my branch manager didn't choose to take the hit, my client would have never closed her loan, her mortgage payment would not be reduced, and she would have been out for the additional costs that were accrued for doing the loan. PNC should be put out of business for how they conduct themselves with no regard for others. Our branch suffered, escrow suffered, and the client suffered in worrisome. | ||||||
| 05/25/2018 | Yes |
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| My daughter applied for a car loan at the PNC branch. They gave her a check package to give to the seller. But, my daughter changed her mind about the car and shredded the check and notified the bank. The assistant manager sent an email to the loan dept explaining that my daughter decided not to purchase the vehicle and that she had shredded the check. ( mistake on her part, I admit ) The assistant manager told my daughter that the loan was going to be reverse and that no payments would be drafted out of our account. However, on XX/XX/2018 a debit for {$460.00} was made to our account for the first payment. I called the bank to dispute it and explained that my daughter never got the car. The branch manager remember that my daughter had notify her of that. A few days later, I received a called from the bank to let me know that they were going to credit my account because indeed there was no loan and that they didn't know how it had happened that they booked the loan into the system, even though they didn't receive the title or any signed documentation for the sale of the vehicle. I waited a few days and no credit was received. I contacted the branch to inquire and was told a new and different story. They said they needed to research and see why they booked the loan and that it would take 90 days for them to put a stop payment on the check, and that on the meantime while the 90 days run and they research, we would need to continue making monthly payments. Now, this is absolutely unacceptable. PNC has policies in place that don't make sense. I had an issue a few months ago with an unauthorized debit on my account and even though it was clear that the debit should have never been honored, they did and declined my claim. I had to appeal and take it to higher level and that took nearly 5 to 6 months to resolve and get my credit back. I do not trust this bank. I have opened accounts at another bank to move my account relationship. I hope that you can help us resolve this issue as soon as possible. It is absolutely insane and abusive on their part to ask us to make such a large car loan payment for months, just because they can't figure out what they did wrong. I worked in XXXX for 25 years, including at this XXXX and I have never seen customers issues being handled the way they do it. | ||||||
| 06/01/2020 | Yes |
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| PNC Bank keeps blocking access to connect my bank account to mobile apps. This is very frustrating as these are valid, safe, financial apps that I need to use to help manage my money and obtain loans and other money services. PNC Bank keeps blocking access to connect my checking account to these apps due to security purposes ( which I understand ) but this is our choice and our decision to use these apps on our phones. I called PNC Bank and they explained how its part of their security processes but they need to have an option available to where we can contact them and say - " Hey, this app is safe and it is my decision to allow my checking account to connect to this app ''!! Quit block access to use these apps on our phones. This is very frustrating as I need to have this option available to me. If you continue to block app access to connect my checking account, I will be forced to close my accounts with PNC Bank and take my business elsewhere to a bank that will allow this. My apps that I use include - XXXX and XXXX - which I have had connected to my bank account for sometime now. I then changed my password to online access with PNC Bank and it disconnected these apps. So when I go to reconnect the apps and connect PNC Bank account using the new password, it keeps saying that - " PNC Bank has made a change that prevents you from being able to link your accounts ''. PNC Bank, Quit Doing This!!!!! Please give us access to allow these apps to connet to our accounts if we choose to have this happen. Give us the option to allow or block certain apps. I have contacted these app companies directly to see if there is a way to manually connect my checking account using the routing and account number and the only way to do it is by linking directly with no options to connect manually. I will continue to complain and voice my concerns over this because this should be the customer 's decision, not the banks. STOP BLOCKING ACCESS TO APPS!! I am so frustrated with this. I have money that is transferred from these apps to my checking account and these apps automatically hit my account for payments to pay them back for these advances and loans that I get with them. If you constantly block them, I have no way to pay these loans or advances back. STOP DOING THIS PNC BANK!!!! | ||||||
| 10/05/2015 | Yes |
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| This complaint is regarding International money transfer by PNC Bank, XXXX XXXX XXXX, XXXX, PA XXXX. I am permanent resident in XXXX. I support my family who lives in XXXX. I have tried to send wire transfer to my mother and my niece and multiple ones of them were unsuccessful, resulting in increased financial burden for me, taking time off work to perform these transfers and having to go to the bank to check on transfers, they would not perform it over the phone, I need to go there and present my government issued ID. The first wire was send on XXXX XXXX, 2015 for {$9000.00}. It went through without a problem. The second wire was send on XXXX XXXX, 2015 for {$17000.00}. This wire did not go through. I went to the XXXX Branch and had discussion with the person sending the wire. Who would not give me any answer, I was told it was bank policy not to tell me about it. I was given no recourse. The third try at wiring the money happened from XXXX branch on XXXX XXXX, 2015, where I was told that the amount I was trying to send before is above the limit of {$10000.00}. So it has to be broken down into XXXX separate wires. I agreed to send this wire for {$9000.00}. It did not go through. Upon my inquiry, I was told to take my account somewhere else. Then I went to the downtown branch in the XXXX XXXX XXXX building. The person there told me that the previous XXXX wires did not go through because, the wire operator in the wire room entered wrong information. He also told me that I have a valid reason to transfer {$17000.00}, no reason to pay double the fee, it can be send by a single wire. He send the wire and confirmed with the wire operator exact information that was entered. This wire went through. Another wire was send on XXXX XXXX, 2015. This was for {$8000.00}. The wire was not received by the intended recipient. I went to the bank and inquired about it on XX/XX/2015. A phone call was placed by XXXX XXXX to the wire room, she was informed that there are multiple wires about which he is getting complaints, i think he said it was XXXX XXXX. I was told by the branch manager XXXX XXXX that she will pass it on but there is nothing else she can do to help me. Attached are all the copies and receipts. Thank you, XXXX XXXX XXXX. Phone # ( XXXX ) XXXX XXXX XXXX XXXX, PA XXXX | ||||||
| 01/18/2016 | Yes |
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| I utilized a promotion offered through PNC Bank for 0 % interest through XXXX XXXX. I have made my payments faithfully on time. I used the credit card for purchases in XXXX and XXXX XXXX. I paid the entire balance of those purchases. I understand that my " grace period '' is waived on all new purchases for the credit card. I also understand that my minimum payments go directly toward the promotional balance. Any amounts paid above the minimum payment goes to the highest interest balance. I contacted the credit card company on four different occasions in XXXX XXXX - the XXXX most recent being XXXX XXXX when I spoke with XXXX and XXXX XXXX when I spoke with XXXX XXXX. I was told by both of these representatives, in addition to the XXXX representatives before that ( XXXX of which is named XXXX XXXX ) that my promotional balance is {$2700.00}. They told me that in order to avoid paying ANY interest or fees on the account, I must pay any amount over-and-above that balance. On XXXX XXXX, my next credit card statement was issued. I have attached a copy of that to this complaint. That statement indicates my total promotional balance is {$2700.00}. I contacted the credit card company today, XXXX XXXX, and spoke with XXXX XXXX who indicated that I must pay approximately {$540.00} to avoid interest charges. I asked to speak with her supervisor and I was transferred to XXXX XXXX. XXXX told me that I must pay approximately {$280.00} to avoid interest charges. I asked to escalate the situation to her supervisor and XXXX indicated that she does not have any supervisors or bosses. She said there is no one else who can speak with me about the matter. I asked to file a formal complaint, to which she did file and gave me a reference number of XXXX. I also verified that PNC records all of their phone conversations. I asked whether she would review the previous calls and she said no. I do not understand how my promotional balance can change so drastically from XXXX person to another. I was told by XXXX representatives that it was the same - {$2700.00}. I understand a few dollars here-and-there with fees, etc. I was prepared to pay the balance of my card down to {$2700.00} to ensure I would avoid further fees or interest. However, after speaking with XXXX today, it appears that is not an option. | ||||||
| 11/21/2015 | Yes |
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| I 'm XXXX and XXXX and XXXX and also will be filing complaints against them for discrimination against people with XXXX. I wish to make a complaint against PNC Bank. On XX/XX/XXXX, I attempted to use my XXXX Debit Card to make online purchases and received an error that my card was invalid, I then attempted to use my card again on XX/XX/XXXX at XXXX and my transaction was denied. I contacted PNC Bank with my son, to inquire why these transactions were denied and, I was advised that because my magnetic strip was worn out, this is the reason my online transactions were denied and a replacement card needed to be mailed. My son, felt this bad explanation being that an online purchase, has no bearance with anything to do with a card 's magnetic strip, and this being the case, why had n't they notified me. Then, I was informed by the service rep because, I no longer have a checking and only savings, these transactions were being denied, but I have used this card to always make purchases and to pay bills and other point of sale transactions. PNC issued this card to me on XX/XX/XXXX, but has never notified me in writing, that because I closed my checking XX/XX/XXXX, that I can only use this card to make withdrawals from my savings. This is a holiday week and now they ca n't even provide a good explanation of why I ca n't use my card. In addition, I was unable to login into my online account due to PNC Bank freezing my online account login and after providing the correct information they refused to allow me access to my online banking and stated they had to mailed password and I would receive it in 3 to 5 business days, when my account had been fully authenticated and what disturbs me is they always provide generic responses, besides having deployable customer service, and only resolution they can offer is about going into local PNC Branch ; who nowadays goes into local branches, that 's the reason for having online banking in the first place and I 'm also due to reason I 'm unable to leave my home due to my current medical condition. I need to make a complaint against them for blocking the authorized use of my funds and deliberately discriminating against the elderly and people with XXXX and failure to provide written notice of restrictions and changes made to my Debit or Bank Card. | ||||||
| 03/07/2018 | Yes |
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| We are currently with PNC mortgage. In XX/XX/XXXX I was forced to switch jobs and took a XXXX decrease in pay due to my previous position being eliminated. We attempted to refi in XX/XX/XXXX. PNC explained to us that because we were in good standing, we did not qualify for any refi programs that help lower our payment ( we were in " too good '' standing ). We asked how to get involved in any special programs for refi and they stated that we would have to miss 3 consecutive payments in order to qualify. I didn't understand why we would have to fault in order to get a lower rate? By XX/XX/XXXX, I was struggling with paying the mortgage. My wife and I decided to finally follow the direction of PNC and we stopped paying the mortgage. In XX/XX/XXXX, I contacted a complaint line and explained my situation with PNC. They stated that " they would never say that '' and that " they would never tell anyone to miss payments ''. I was absolutely floored. I was angry that I used this as a last resort and that I have NEVER missed a payment in the 12 years that I have been with PNC. They logged the complaint and called a few days later and said " sorry, nothing we can do ''. I made the XX/XX/XXXX payment immediately. on XX/XX/XXXX, went online to pay my entire missed months of mortgage so that I could leave PNC and I was unable to pay and they stated that I could no longer deal with them. A few days later, I received an attorney letter with all past due months and an additional {$800.00} fee for the letter being sent to us. I quickly explained the situation to the PNC attorney and that I was trying to pay online but they wouldn't listen. I paid the entire balance in full ( because we were told to withhold the payments by PNC ). We then reached out to PNC in XX/XX/XXXX to get back to refinance the house and they stated that because we have missed any payments, we are no longer able to refi the home. We are now stuck in a mortgage that is almost 2 points higher than any other mortgage out there. PNC was deceptive in their offers and how to circumvent the system and then denied any wrongdoing and penalized my family for doing what they said. You can look over my payment and credit history prior to intentionally missing those payments. Absolutely perfect payment history prior to this issue. | ||||||
| 09/15/2021 | Yes |
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| On XX/XX/2021 the posted balance on my account was {$200.00}. On XXXX 's mobile app the next transaction is shows as occurring on XX/XX/2021 which is an ACH automated debit. However several transactions occurred prior to the ACH transaction which were Credit Sales and did not immediately reflect in the actual balance, " but they should have since they were not POS transactions ''. It appears that XXXX deliberately charged an overdraft fee when their system did not reflect a true balance following credit charges which must be approved at the time of sale and reflect as deducted. For example " all of the transactions in question are listed as occurring on XX/XX/2021 when the funds were charged " on different dates and times '' and set aside as Credit Transactions, these Credit charges should have debited from the account at the time of purchase, " Credit is Credit and POS requires a Pin Number and may have pending holds. My point is XXXX did not reflect an actual true balance following Credit Charges based on funds available " it is approved or declined, when you do not have enough money on a credit card transactions are declined ''. By manipulating the posting date of the credit XXXX transactions to XX/XX/2021, they are able to charge a {$38.00} for the ACH transaction and profit using this manipulation. If the online mobile application had reflected the actual true balance I could have simply used my other bank " which never does this to me '', or deposited funds to avoid the manipulated applied {$38.00} fee. To be fair, " I am a customer who will seek legal recourse and/or relief for such manipulation from banks. Banks will always claim to be in the right, but holding Credit transactions as if they are POS Debits is unfair to consumers. XXXX posted 10 transactions on XX/XX/2021 and decided to place the ACH Payment BEFORE the other transactions to benefit from a {$38.00} fee. Here are the transactions and dates " ALL CREDIT '' none were POS Debit. XXXX XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 By placing the ACH transaction first they are able to manipulate the available balance. Had the actual balance been correctly reflected after each CREDIT transaction I would have known to deposit additional funds. | ||||||
| 01/28/2023 | Yes |
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Web | Servicemember |
| Yes, This is a PNC XXXXXXXX XXXX XXXX. Offered by the bank. It is a XXXX debit card. Or cash card, that accepts direct deposits. You can pay with this card anywhere there is a XXXX logo. So on the XXXX of XXXX 2023. XXXX. I was going to purchase something. They summited a pending transaction for {$68.00}. But later on I used a different form of payment. So after 72hrs. Still showing pending on my card. The sale was never finalized. I called PNC bank they informed me that after 72hrs the funds will be put back on my debit card available balance this is there policy. But when I contacted the smart access card by PNC. They don't have no terms or conditions on time frame on how long a merchant has to finalized a transaction. Which is defined under New mexico as unfair Buesiness Practices. I spoke to XXXX at XXXX and said PNC bank said 72 hrs she told me 10 days or 250 hrs. I said this is not disclosed in the terms of conditions so there for you must follow the policy of PNC since the card says that. She told me that the sale is pending. I said now it's been six days. How come purchases from. The same place before and after this time frame gets posted immediately or within 12 hrs. Do you find this a little weird after 6 days. She remained silent. I said this is very unacceptable I am supposed to believe whatever you say. Because you fail to disclose this information. You must follow the PNC rules, XXXX, and the federal government time lines on pending transfers. I want my money now. I have to buy medication which for me is life saving as well as pay my car loan or it will get report. You guys are causing my suffering due to your neglect and I am going to hold you liable. When something happens to me. You are committing major rule violations. She said sorry. After 10 days if XXXX has not filed a finalized the sale then we can escalated it. I said ya and wait another 5 to 7 business days. I said there is a reason the sale is not completed and you are minuplating this situation. You know it's wrong. And I am going after you with ever legal tool I have. Even though the money is still in my account they refuse after 7 days to give it to me. Which gas started to cause me harm by my car getting report and by not allowing me access to my funds for medication. I am holding you liable | ||||||
| 05/02/2019 | Yes |
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Web | Servicemember |
| My son, XXXX XXXX XXXX, had a auto loan through PNC Bank, with his grandfathe, r XXXX XXXX XXXX, as a co-signer. On XX/XX/19 my son was in a automobile accident that took his life. My father, XXXX XXXX XXXX, gave PNC Bank permission for me to take care of closing the auto loan account. My son, XXXX XXXX XXXX had auto insurance and gap insurance which should pay off the entire loan amount. I contacted the auto insurance company and the vehicle was a total loss. The auto insurance company sent PNC Bank a check. I contacted PNC Bank and informed them of what had happened and spoke with a XXXX XXXX. She informed me that my son, XXXX XXXX XXXX had gap insurance and all that PNC Bank would need was my sons death certificate and the auto insurance check, then they would take care of everything else. I emailed my sons death certificate and reached out again to PNC Bank and XXXX XXXX and again she informed me that they would take care of everything else. In the mean time my father XXXX XXXX XXXX is getting calls that the vehicle payment is behind and his credit has taken a negative hit, though this case is pending insurance payments and is a total loss. I call PNC Bank, because XXXX XXXX won't return my calls, and am told, by XXXX, they never received a check from my sons auto insurance company. I inform PNC Bank, that I have a letter in my hand and it states that they have received a check from the auto insurance company. I am then told by another representative of PNC Bank, XXXX, that they don't reach out to the XXXX insurance company that we should. We were told that PNC would take care of it by XXXX XXXX. We then reach out to XXXX XXXX XXXX, where the vehicle was purchased, and they send us an email where PNC Bank has cancelled the XXXX insurance. Why would they do that and why did they tell us that they don't reach out and contact anyone. It's lie after lie and why are we taking care of this companies leg work. Why aren't they trying to close this account out? Are they just trying to accrue more interest? Why are we doing the loan companies job? Their client is deceased and they have a copy of his death certificate and they had the nerve to ask us to send them another copy. This is a very tough time for my family and this company is making a tragic situation so much worse. | ||||||
| 10/12/2021 | Yes |
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| I was a Simple Customer who was involved in the conversion from Simple to XXXX. If you don't remember simple, their main selling point - no fees. Literally across every document that I signed, every commercial and every notice. Fast forward to the conversion, and I called and was told that my service would remain the same, the interest fee would change and they had overdraft fees. I didn't have the choice to opt-out because I couldn't access my Simple account to bring my account to zero, and they were unwilling to cut a check. XXXX started saying they'd honor the terms of my original agreement, but that changed ... not during the transition. Not even 90 days after the transition, but on XX/XX/2021. The month before, I'd received my first notice of the transition to PNC with a note that " fee waivers '' will expire. Crazy because the account I signed up for didn't have fees. And at this point, I hadn't agreed to any of PNC 's terms. The transition wouldn't complete for another two months. Next thing I know, I'm charged over {$700.00} for transactions ( all of which were paid in full using my XXXX XXXX card ) as the transition to PNC loomed. I noticed this change in XXXX and attempted to get in touch with their team. I wasn't successful until XX/XX/XXXX, at which time, the transition to PNC was a few weeks away and I was told by their staff that this is an error, that it should be corrected, but that the staff member could only make adjustment to 4 of the over 20 ill-gotten funds. They referred me to another department that agreed, apologized and then said I'd have to go to a physical location ( over 40 minutes away ). I called for 4 days to set an appointment, but their excuse was that they were training for the conversion. I went to the branch and then they made me set up an appointment to come back again. Their manager called me, agreed that everything wasn't right and sent me to their escalations team. She mentioned they'd call in 2-3 days. Over 14 days later I get a single email from their team, ignoring all of my previous correspondence, implying that I'm being sensitive and emotional on the matter, and they proceeded to say that they couldn't help because of the transition. Aka, " we know you're right about this, but ooops, time has run out ''. Absolutely not. | ||||||
| 07/08/2016 | Yes |
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| In early XXXX, 2016, my husband and I met with a XXXX, a broker at a PNC bank branch to go over our finances and get advice as we wanted to apply for a loan to make some repairs to our home. We went over some options, discussed our credit with her, and she went over some different rates with us for a secured and unsecured loan. After doing that, she advised us that we would be in a better position if we cleared up our delinquent accounts on our credit history, and the best way to do that would be to take out a loan against my XXXX and then wait approximately 30 days for the credit to update and return to apply for the loan. I in turn took out that loan, paid off the debt, and we waited approximately 30 days before coming back to PNC to initiate the loan application. We applied for the HELOC on XXXX XXXX, 2016 with XXXX. We went over the approximate value of our home, how much equity we thought we had in it, and determined that we had more than enough to apply for a {$25000.00} loan. We spent the better part of the morning with her, provided all the documentation she asked for, but when we left the bank that morning, she did not provide us with anything other than her contact information. Federal law states that the bank is to provide us with a booklet providing information about using the equity in our home and also, within 72 hours, they are required to give us a disclosure noting the amount of the loan and the approximate costs involved in getting a home equity loan. We did not receive any phone calls from her. We did receive a generic email from the bank simply stating that the bank received our application and if they needed further information they would contact us. It was signed by no one. The second day, I got the same thing. After that, I called XXXX, who informed me that the loan was rejected but, without our knowledge, she was writing an " appeal '' and she would let us know what happened with that. This was extremely upsetting to both my husband and myself, who took her advice and took out a loan against my XXXX to clean up our credit to be in a better position with the bank, and the bank still denied our application. XXXX informed us that the bank denied the appeal. So now here we sit with no loan, and no way to make the improvements we need to our home. | ||||||
| 08/18/2022 | Yes |
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| I made a purchase for the XXXX XXXX class with The XXXX XXXX for {$1800.00} on XX/XX/2022. The website was having difficulties and eventually the purchase went through but I did not receive the class. I contacted the XXXX XXXX where they told me that they had never received payment and if there was a charge on my account to contact the bank. I proceeded to contact the bank where they told me that I needed to call back to dispute the charge when the charge posted to my account. I waited 3 days and called back and was told a provisional credit would be in my account 24-48 hours after the phone call. I called after the 48 hours had passed and the provisional credit was not there and then they said it would take another 1-2 days. I then reached out by chat where they told me provisional credits take up to 10 days to appear in the account from the date of the dispute. I waited the 10 days and still had nothing returned to me. To make this even more ridiculous, they said that I would be sent a document to fill out and either send back or take to the bank. They said if I took it to the bank, the provisional credit would be in the account on the same day. I received the document, took it to the branch and they faxed it over. My provisional credit was still not returned to me after that. It has now been a month since I first disputed this transaction and the bank is still refusing to return the money to my account or provide me with provisional credit. This was not a case of buyers guilt as one of their representatives on the phone very rudely suggested it was. I had to work out a payment plan with The XXXX XXXX in order to purchase the class for my fianc who is registered to take her XXXX in XXXX and could no longer wait to register for the class as this was the last class she could take before her exam date. They are violating their own policy of provisional credit within 10 days and almost prevented my fianc from taking her class. Not only do I want my money returned to me, but PNC will need to do something to make this right as this has caused us both an extreme amount of stress and if I am not satisfied, I will be seeking legal counsel to sue for the theft of my money and the damages of the pain and suffering caused by the theft of my money to my fianc and to myself. | ||||||
| 04/20/2016 | Yes |
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| My name is XXXX XXXX myself and My Husband have been house shopping for about 6 Months. We hired a realtor to show us Homes. We finally settle on 1 that had been Foreclosed and was on the market for about 9 months. We decided to purchase that 1. We made an offer and the Bank ( PNC/XXXX/XXXX ) ACCEPTED OUR OFFER. Upon signing a contract we gave them an Initial Deposit of {$5000.00}. The realtor directed us to a Finance company the he uses for loans. Upon submitted documentation and sending in all required information we discovered we were doing a Conventional loan not an FHA. In which we thought we were doing an FHA, The lender inform us that the seller only wanted to go Conventional after weeks of getting information to her. Then I said Inform me my credit score had to be a XXXX to qualify now my score was fine with the initial contract for FHA. all i needed was a XXXX score. Then she call an inform me that she would willing to help me pay off my credit cards and bring balances down an dispute XXXX collections that i had. I did everything she ask me to do. Stated to me this will make my credit score go up. I ask her XXXX why dont we just go FHA Iam a first time buyer, she said no the seller Bank wants a Conventional loan. So I was pleased about that because Intially that is what we spoke about. Shortly after making all the inquiries on my Credit and those hard pulls bought my credit score down. So discuss moving from XXXX because she could not make it work. I spoke to realtor an inform him i was going to shop elsewhere, I Begin working with another Financial Entity and She email PNC/XXXX/XXXX -XXXX an inform them that she will be working with them on closing my loan and explain to them that she needed more time to do Title Search, Apprasiser, Survey etc. And they said we will give you more time if You give us {$5000.00} more dollars and NON-REFUNDABLE MEANING IF YOU CANT CLOSE WE GET TO KEEP YOUR {$10000.00} DOLLARS. I told them NO just send back my {$5000.00} I am not going to pay them {$10000.00} NONREFUNDABLE FOR 2 WEEKS. That is ridiculous and they want me to sign a letter of release so that they can keep my {$5000.00} These Banks are still taking advantage of the Consumer trying to take money that we work so hard for. I need your assistance and Help Please | ||||||
| 04/20/2016 | Yes |
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| I XXXX XXXX with This letter is to complaint about a problem I am having with PNC Mortgage loan # XXXX, I am complaining because they been foreclosure on me since XXXX/XXXX/XXXX width paper work from a mortgage paper work from XXXX/XXXX/XXXX, I complaint and say they used the wrong documents but no one does anything to help me on this wrongful foreclosure because I modified my mortgage on XXXX/XXXX/XXXX and on this loan they commit violations of TILA I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their letters and other relevant documents with dates and Balance Discrepancy 's. Unfortunately, the problem remains unresolved I am hereby requesting that you CFPB please help me with this Bank PNC to repair and fix this foreclosure and I Insist Pursuant to TILA, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23, on changes to the release document such that you PNC MORTGAGE are not able to claim the note and mortgage because they are void, invalid, non-negotiable, Pursuant to TILA and Regulation Z, you have twenty days after receipt of this Notice of Rescission to return all monies paid and to take action necessary and appropriate to terminate the security interest. Please be advised that the mortgage is automatically voided by operation of law upon rescission under 15 U.S.C. 1635 ( b ). and for you CFPB to help me to get this to the respect Parties to send demand letters to for errors and omissions and malpractice and find this bank guilty of the damage they have caused me, I have been struggling with my case for XXXX trying to negotiate a loan modification but this Bank PNC ignore my request for two years I am not asking to give me a free house I am asking you for justice for me as well as for other citizens, These bank continue to take advantage of the clients and home owners, mock the laws with fraud and false statements false documents and here I have evidence on XXXX/XXXX/XXXX my house was on for foreclosure sale that I stop filing for bankruptcy protection even after I send them the rescission notice, all I want is justice and a loan modification and the adjust price of my home that is under water Thank you for your anticipated assistance in resolving my problem. | ||||||
| 11/12/2019 | Yes |
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| PNC Bank is my home equity loan, open line of credit. This loan I have had for over 14 years. Within the recent years, PNC has misapplied payments on my account. I have complained so many times and still not resolved. I have notice while going over statements recently they added 6 months to my loan and added money to my balance. The reason I'm contacting you is because I can't trust this bank with anything they tell me. I have been lied to going back to XX/XX/2018. My complaint I contacted corporate. They took my information. I was told someone would call me back today. I was contacted from PNC ( XXXX XXXX # XXXX. XXXX promised me so much. She said not to worry that they have been changing computer data.A computer conversion. She said she had many customers with the same problem. The new system didn't transfer everything correct. She said it was applying payments to princable and not monthly payments. XXXX promised the account would be fixed. I also requested while talking to XXXX if I could change my bill due date. She said she would do that also. while this was going on I explained to XXXX that they where holding up the process for me to refinance my loan for work I wanted done to my home. She had another person contact me ( XXXX XXXX. ) Spoke to XXXX XX/XX/2018, I called to make a payment And just was told I was in default on my loan. I now have been dealing with XXXX XXXX. She said I can't make any payments until I pay full balance owed. I don't owe what they say I owe. I shouldn't be past due. XXXX won't send me anything on how my payments have been applied. She said she needs all my bank statements where my payment comes out of my checking acct. She said she needs check copies. They aren't telling me what month is due. I just went over my statements and see they added 5 loan pmts to my loan. Also they added money to my balance. I included the documents. I have two accounts with this conversation being done. I need to know what months on my loan are not paid. I'm so scared because I have been dealing with XXXX from XXXX. I was waiting on The Federal Reserve to help me. I was told they don't deal with PNC complaints. I need to contact you at CFPB. Please help me because they said I can't pay my monthly payment until past due paid. I shouldn't be past due. | ||||||
| 11/23/2020 | Yes |
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| I have a PNC Visa Signature Credit Card with PNC Bank, where I have all of my banking accounts. My PNC Credit Card is set to autopay from my PNC Checking Account every month on the XXXX. The final payment made was on XX/XX/XXXX. PNC stopped auto-paying the PNC Credit Card, and the payment was late for XX/XX/XXXX and XX/XX/XXXX. I was not notified that the autopay ended or would expire. I became aware of this when PNC emailed me on XX/XX/XXXX that the due date for their credit card had passed and they applied a late fee the day before on XX/XX/XXXX. ( A search of my email shows that they also emailed me on XX/XX/XXXX, telling me that my payment was late [ because of PNC ], in that case they applied a late fee on XX/XX/XXXX ). My checking account holds approximately 250 times more assets than than charges on my credit card, so I have the ability to pay. To my knowledge, I have never had a late fee or had one waived. I called PNC to resolve the issue. I was informed by XXXX that it would take 3 months to restore autopay and that she could only waive one late fee every 12 months, and so she could not waive both late fees. XXXX told me this was a new company wide policy that had been handed down by the responsible company officer, and that even her superior could not make an exception. I made it clear that both fees were incurred because PNC Bank stopped auto-paying my PNC credit card. This did not matter to XXXX and PNC -- their failure to use PNC bank accounts to pay PNC credit card means that I'm stuck with late fees I would never have incurred. Personally, I want both of the late fees waived. My bank has access to my funds and auto-pays the credit card they control ; they decided to stop auto-paying, and did not notify me of this or of a possible auto-pay expiration. They started charging me late fees and sending me notices after the fact. The bank also says I am stuck with these late fees, because they failed to make the payment to themselves and they will no longer waive late fees at all. Broadly, I am concerned this is possible actionable chicanery. At the least, this is bad faith and immoral. On a national scale, this would amount to a huge addition to the bank 's books and a fraud upon its customers. It seems a lot like a trap, intentional or not. | ||||||
| 06/05/2020 | Yes |
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| In late XXXX my husband and I started researching for the best bank to apply for a HELOC as we are building onto our property and construction would soon be starting. I contacted several banks so I could make an informed decision as to what bank would be our best fit. We decided to move forward with PNC and apply online on XX/XX/XXXX, this was after I spoke with a PNC representative ( XX/XX/XXXX) who provided me their current loan term information which included information surrounding loan to value ( LTV ) percentages. On XX/XX/XXXX the representative clearly advised and confirmed that their HELOC product would go up to 89.9 % LTV during our conversation.This information was why we decided to continue the process with PNC, as all other banks I researched and spoke with only offered up to 84.9 % LTV, and this was the flexibility we were looking for. Fast forward almost a month later when we received our approval letter. The counteroffer approval came much lower than what we were expecting. I phoned PNC and they advised the loan could only go up to 84.9 % LTV. I requested to speak to a supervisor and I did have one call me back the following day. She advised they could not honor the 89.9 % LTV originally stated. There was also nothing they could offer even with the misinformation I was provided as the Bank 's LTV procedures were updated in early XXXX. She also said there is no guarantee the call was recorded and if it was recorded there was no way to look up this call if I didn't know the name of the representative. This approach of a bank is very irresponsible if all calls are not recorded on calls that representatives are quoting terms and rates of current products. When assessing the possibility of a UDAAP this certainly his the deceptive element which seems to be a clear bait and switch tactic. The timely process of a HELOC application and the original misinformation is provided to be a material impact on our financial situation which could have all been avoided if the accurate information was originally provided. We now have no choice to go elsewhere due to the length of time this process takes and the potential impact these inquires made to our Credit Bureaus. My husband and I will end up accepting the offer and possibly have to get an additional loan. | ||||||
| 05/20/2016 | Yes |
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| Even after settling a XXXX lawsuit for abusive overdraft practices, PNC Bank has not stopped their manipulative practices to create overdraft fees on their customer 's accounts. As my attached ATM receipts will show, PNC is giving their customers one set of accounting figures, while they are using another set of accounting figures internally. In doing so, they have unfairly charged me XXXX ( XXXX ) overdraft fees of {$36.00} each. Please note the following : 1. ATM receipt # 1 - date XXXX/XXXX/16 a withdrawal of {$45.00}, new available balance {$120.00} 2. ATM receipt # 2 - date XXXX/XXXX/16 a withdrawal of {$50.00}, new available balance {$74.00} 3. On XXXX/XXXX/16 - {$1.00} purchase in workplace cafeteria - availability immediately taken away, new balance {$73.00} 4. ATM receipt # 3 - date XXXX/XXXX/16 a withdrawal of {$20.00}, new available balance {$53.00} ( also proof that the {$1.00} was already taken from my availability ) 5. On XXXX/XXXX/16 there were XXXX ( XXXX ) pending payments of {$25.00} & {$66.00} totaling {$91.00}, new available balance XXXX 6. ATM receipt # 4 - date XXXX/XXXX/16 balance inquiry, available balance XXXX 7. ATM receipt # 5 - date XXXX/XXXX/16 deposit {$100.00}, new available balance {$62.00} 8. ATM receipt # 6 - date XXXX/XXXX/16 withdrawal of {$60.00}, new available balance {$2.00} On XXXX, PNC charged me XXXX ( XXXX ) overdraft fees of {$36.00} totaling {$72.00} for the payments of {$25.00} & {$66.00}, although my ATM receipts show the {$100.00} deposit covered these XXXX ( XXXX ) payments. On XXXX/XXXX/16 PNC charged me XXXX ( XXXX ) more overdraft fees of {$36.00} totaling {$72.00} for the {$60.00} ATM withdrawal on XXXX/XXXX/16 ( receipt # 6 ) and the {$1.00} purchase from XXXX/XXXX/16. These are fraudulent, unfair, and abusive practices and I am demanding reimbursement of the {$140.00} PNC stole from me. These figures are not just what I believe, but they are what PNC Bank have provided me based on my receipts. The ATM balances are in " real time '', then PNC fraudulently manipulated the processing to create fees. On a larger scale, I hope that you will launch an investigation into PNC 's manipulative and abusive practices. The math plain and simple : XXXX ( XXXX pending payments ) XXXX ( ending available balance ) | ||||||
| 05/30/2017 | Yes |
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| I have a HELOC with PNC. I also have bank accounts and an investment account. The HELOC is on my primary residence in XXXX. My home was a part time residence as I lived and worked in XXXX until XXXX XXXX 2017 when I moved to XXXX full-time. I contacted PNC to change my address on all my accounts to my XXXX home. My address was changed no problem on my bank accounts and investment account. I have forwarded my mail to my XXXX home so I got the statement for my HELOC the next month still showing my old address. I called PNC again to change the address. They said it was changed and I would not have any issues. The next month my statement again was sent to my old address and forwarded. I called PNC again and was told they would get it fixed. Within a week I got a letter from PNC saying they would not change my address until I wrote them a letter requesting it and for me to send them documentation ( utilities statements ) showing this was my address. I called and said I am not sending you that change my address and was told no. I opened a formal complaint with PNC and I received a call back from XXXX XXXX ( XXXX ) with executive escalations and she said they would not change my address without the requested documentation. I asked that this be escalated to the CEO 's office as I am not jumping through hoops to change my address. I have never heard from anyone and my statements are still being sent to my old address. At this point its about the principal that PNC is a horrible organization to do business with and I am not doing anything else about my address. Think about the absurdity of this situation. 1st they change my address no problem on my cash money/investment accounts with nothing more than a phone call. They will not change my address on a loan that the collateral is the address I am asking them to send the mail to. They are now sending my mail to an address that could be opened and accessed by an unauthorized person which I mentioned to XXXX XXXX and basically PNC does not care. If I have any fraud committed against me due to the fact that PNC is sending my mail knowledgeably to a old address I will hold them accountable. I tell everyone I know not to do business with PNC and I will not do business with them ever again. They treat customers like trash! | ||||||
| 07/19/2018 | Yes |
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| I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. I have had a PNC Bank business credit card account for about 10 yrs. In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices. | ||||||
| 09/11/2015 | Yes |
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| In XXXX 2014, we began the refinancing process with PNC Mortgage, the lender that had our mortgage at the time. Our refi was approved but PNC was a little slow to get the closing date set in XXXX, perhaps due to the Holidays. Our PNC Mortgage payment was due XXXX/XXXX/14, and if not received by PNC by XXXX/XXXX/14, a late charge or {$280.00} would be assessed. My PNC Mortgage Banker working on the refi told me that PNC does not charge PNC customers a late fee if they are in the process of refinancing with PNC. He advised me not to pay the XXXX payment as he expected our refinance to close before XXXX. I called Customer Service and was told the same thing : PNC will not charge a late fee to an existing customer who is refinancing with PNC. Since PNC still had not set the closing date, I went ahead and made the usual payment so it would not be late. However apparently PNC documented payment as of XXXX/XXXX/14. When I received the closing documents on the day of the closing,XX/XX/2014, I requested a copy of the PNC Payoff Statement from the title company. It clearly lists a charge of {$280.00} for Unpaid Late Charges. I complained at that time to the Mortgage Banker and the title company but PNC said the closing would have to be postponed to recalculate the documents. If we refused to close until the documents were corrected, PNC said with the Holidays, they were n't sure we could close by XXXX. PNC told me the {$280.00} would be refunded with any excess escrow funds when the title company disbursed their final funds. That did not happen. I have inquired several times, both in writing, and over the phone with PNC Customer Service and the Mortgage Banker who handled our refinance, but PNC will not refund the late charge. Customer Service acknowledges this is their policy : to not charge a late fee to PNC customers refinancing with PNC. However they state they can not do anything now since the loan is paid off. The Mortgage Banker agrees with my complaint, and said he would ask his manager to intervene and request a refund, but he no longer responds to my e-mails checking the status of the refund. I want the refund PNC owes us of {$280.00} for a late charge PNC stated numerous times they would not charge since we were refinancing an existing PNC mortgage loan. | ||||||
| 04/15/2015 | Yes |
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| I have been working with my mortgage company for years pursuing a hardship modification. I originally had a foreclosure sale date for XXXX XXXX, 2015, however PNC Mortgage Co. filed a motion to cancel and reschedule this date since my financial situation changed and I was put into the modification review process. After the process, I was denied a modification, however there was input PNC used to determine my qualifications, that I strongly disagreed with. On XX/XX/2015 I had a conversation with the rep PNC chose to represent their company as my " point of contact '' and I explained that I was in dispute of a couple of values PNC was using to determine my eligibility and I could provide the evidence. I was told by the PNC representative that she would send me out a new application since I was challenging their input, plus I had an increase in income which would effect me positively in the evaluation. During this conversation I was also told that the foreclosure sale date had now been reset for XXXX XXXX. My complaint is that not only was the application never sent out denying me the opportunity to a fair evaluation, but according to my conversation with the bank last night, I did not qualify for recourse at that time since the bank had to have 38 days to review any new application ( i.e. the time from the rescheduling of the sale date, XXXX/XXXX/15 and the time of the actual sale date, XXXX/XXXX/15, which is 27 days, far short of the 38 days they require ). This is egregious to deny me a fair & accurate modification review and then to sell my home from under me, while using a highly inflated Fair Market Value which I am challenging and have the proof to back up my claim. When I kept going to my mail box everyday looking for my new application, to no avail, I even took it upon myself to use the forms from my previous application, updated them and included my dispute along with my evidence, and faxed a complete package to PNC which has been entered into their system. Thus PNC has my application, proof, and documentation, but they refuse to postpone the foreclosure sale which is in 5 days. I am only asking PNC to give me a fair and accurate evaluation and if they continue to refuse, I will go on a thorough and continuous campaign to expose their unfairness | ||||||
| 11/27/2021 | Yes |
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| On XXXX XXXX XXXX, PNC Bank completed the merger with my bank, BBVA. I completed the process for mobile access to my accounts on the XXXX. To my surprise and dismay, I could not see my accounts, but I could see those of my Ex-husband. These are accounts that have been opened since our divorce in 2018. I could see his recent transactions, etc. I went to the branch in my hometown of XXXX CO and sat down with the manager, XXXX XXXX. He was shocked when I showed him that the accounts I was seeing were not my own. I could not see my accounts, so I can only speculate on who could see them. XXXX XXXX could not do anything to help me, but offered to escalate the problem. Several days later, I could see my accounts, including a personal signature line of credit ( which PNC labeled a business credit line ) initiated in XXXX of XXXX. The max draw was {$250000.00}. I used {$200000.00}, and had paid the note down to approximately {$170000.00}. The loan terms were interest only for a year, then principal and interest. The historical payments were between $ 700- {$800.00} per month, plus some principal payments. When PNC took over, they upped the payment to {$4700.00}. I immediately called and after many calls and lengthy holds, I was told that it was being escalated. I spoke with a woman named XXXX, no last name given who was sympathetic, yet could not remove the autopay. She said she escalated the case. I eventually spoke with XXXX XXXX, a case manager on XX/XX/XXXX, XXXX XXXX, case manager on XX/XX/XXXX, and now XXXX XXXX, case manager, on XX/XX/XXXX. In the meantime I have spoken with at least 5 other representatives who answered the phone and could do nothing. I spoke with XXXX on on XXXX who assured me the auto pay was discontinued so I could make the interest only payment. I promptly paid {$800.00} to cover the interest on XXXX, only to find that PNC continued with the autopay in the amount of XXXX on XX/XX/XXXX! They were going to get their {$4700.00} even though autopay was discontinued, and this is an interest only account! I need help resolving this. PNC has been no help in resolving this issue, passing it on to yet another " case manager ''. I plan on closing the account that they are drawing on, as to prevent yet another unauthorized deduction. | ||||||
| 07/06/2023 | Yes |
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| PNC Bank sent two checks to pay homeowners insurance to XXXX by XXXX. XXXX on XX/XX/2023 in the amount of {$1000.00} and the other on XX/XX/2023 in the amount of {$700.00}. The premium is {$1000.00} so this resulted in {$700.00} excessive sent to the insurance company. Upon contacting and speaking for about 10 times in the last 2-months frame, PNC Bank has been asked numerous times to provide the front and back copy of the check sent on XX/XX/2023 as the insurance company stating they did not receive, they have not been cooperating at all. This was requested from insurance company directly and still was not provided. Then they lied and said that it was provided every time. Because the first check they sent was not received but just the second check, insurance company took {$700.00} and said that only partial balance was paid and therefore {$320.00} additional payment is required. Technically, sending the insurance company the proof should have allowed them to locate the first check which then would have resulted in {$700.00} excess which should be refunded to me. However, instead PNC Bank again sent a third check in the amount of {$320.00} on XX/XX/2023. PNC bank clearly is aware of this issue and just keep sending money rather than helping insurance company locate the check and work with them to resolve so the money can be refunded and put back into escrow. Escrow analysis is coming up and they are keep sending money and increasing my homeowners insurance paid which will be used on that escrow analysis. They will not allow me or the insurance company to speak to the supervisor when this issue was escalated by the XXXX by XXXX. At this point, I am still not refunded of {$1000.00} excess PNC Bank paid in duplicate and the escrow shows the homeowners insurance paid as {$2000.00} obviously instead of what should be {$1000.00}. In addition, when they took over my mortgage, they did not update on convery their information to the insurance company until I spotted the problem as insurance company 's bill was not going through to them. This is going way over acceptable time frame and as escrow analysis coming near, I will not pay for the escrow shortage as a result of PNC Banks mistakes and refusal to fix but keep sending money without resolving the issue. | ||||||
| 11/20/2017 | Yes |
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| I currently have a HELOC with PNC Bank on my primary residence which has been in place approximately 10 years with 100 % on time payments. On XXXX XXXX 2017 I began the process of applying for a new HELOC on the same property with PNC. This is a first mortgage since there is no other lien on the property. Over the next 3 months I invested a considerable amount of time satisfying their requirements for income verification. I am a real estate investor which meant coming up with hours of documentation for them at my expense. Once my income was verified I was told we would need a full appraisal. We spend many hours and dollars getting the house in top shape for the appraisal only to be told we had to have a second appraisal. After the second appraisal we were informed the collateral was not satisfactory. Since that time I have made numerous requests for copies of the appraisals to discern what exactly did not meet their guidelines and if perhaps something had been misrepresented in one of the two appraisals. The only response I received was a mailed copy of photos from one of the appraisals. This was simply 32 photos of the home with no written materials of any sort attached. There was no description, no value attached, or any explanation of any kind as to the outcome of the appraisal. Since that time I have made numerous email requests to both my contact persons with PNC and neither will respond to me at this point or give me any reason why the 2 appraisals will not be released to me. Since this was a first mortgage on my property and I have an interest in insuring an accurate appraisal was done, I see no justification for the bank not releasing to me the appraisals so that I may fully understand the reason for my rejection. My wife and I have credit scores of XXXX and XXXX with no negative marks of any kind on our extensive 30 year financial history. If the reason for our loan rejection was simply the appraisal information, as was indicated to us, I think we have a right to at least receive a copy of those two documents along with an explanation of why the collateral is not sufficient, especially since it is much improved today over what it was 10 years ago when they first approved it for a first lien HELOC. Thank you for your help. | ||||||
| 05/11/2015 | Yes |
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| Regarding PNC Mortgage. We all know PNC Bank has been having problems remaining financially stable & are penalizing consumers. This is my XXXX complaint filed relative to unethical practices at PNC Mortgage. For the past 14 years, XXXX to date, I 've rented the home located at XXXX XXXX XXXX, XXXX, XXXX, WV XXXX and the mortgage has run from {$470.00} - current $ XXXX. The highest mortgage rate was a short period of time from XXXX XXXX into XXXX at {$610.00}. Each time, PNC Mortgage has completed a new Escrow Analysis to determine upcoming payments. By letter dated XXXX/XXXX/XXXX, PNC voluntarily notified me that " Under the XXXX of XXXX '' I was eligible for removal of PMI. XXXX deleted PMI on another rental property of mine years ago. In a letter dated XXXX/XXXX/XXXX, PNC recanted that the property is eligble for PMI removal. In XXXX XXXX, I contacted PNC as follow-up to their XXXX/XXXX/XXXX letter. In response, by letter dated XXXX/XXXX/XXXX, PNC stated " The HOPA of XXXX does not allow automatic termination of PMI for a second home or an investment property. ' 'Therefore, we are required to follow the deletion requirements of the loan vestor. '' In the letter PNC Mortgage is also requesting an appraisal at my expense. I also received separate correspondence of the same date, XXXX/XXXX/XXXX, with another Escrow Account Disclosure Statement. In this ( adjustment ) statement, PNC Mortgage indicates an escrow shortage of {$760.00} and an increase in monthly mortgage payment from {$560.00} to {$680.00} XXXX XXXX ). I have NEVER made any money on this property while renting ; have always had to supplement the monthly payment. It is my opinion that PNC Mortgage is being quite absurd about their inconsistent business practices. In the past, they have also overcharged for Flood Insurance on the property ( as has XXXX XXXX ) and also placed flood insurance on the property at the same time XXXX XXXX had provided coverage. * I am not able to scan to upload my supporting documentation, will need permission to fax or mailing instructions. My request is that PNC Mortgage be required to reimburse me for the duplicate and excessive flood premiums charged and also they further explain why their Escrow Analysis have been inconsistent over the past 14 years. | ||||||
| 04/26/2022 | Yes |
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| I was given a forbearance during Covid. This is my second mortgage, an equity line, and my primary mortgage has a balance literally five times as large, but that lender gave me an 18 month forbearance, an automatic deferral of the past due including property taxes and insurance. With PNC, I thought that the forbearance was for 6 months. I paid something every single month except the first month and gradually worked my way back to full payments. I did not receive notices that anything was wrong. I applied for a modification FOUR TIMES, each time doing all the paperwork and endlessly supplying documents. I would be told my application was complete and then receive a request for more information. As I am a XXXX mom going through a divorce and working many jobs and trying to survive the pandemic, I would never be able to meet the very short deadline they would give me and I would have to start all over. I called and wrote to them many times BEGGING for help with the application since my applications were always being rejected. I finally gave up on the modification and asked for just a deferral of the past due. They said I had to start over the application process. I was afraid to start it again and started paying as much as I could each month, more than the minimum payment. They reported me as having 15 late payments, even though I had never missed a payment, I had just not paid the full amount during the forbearance and the period I thought the forbearance was continuing. They heaped XXXX XXXX DOLLARS of late charges on my bill and this increased the cycle, making it impossible for me to EVER catch up or ever stop being reported as late. I filed a complaint and was contacted by the corporate office who told me they could do nothing for me and had done nothing wrong. I asked for help with the deferral application since XXXX previous attempts did not work, and they told me no one could help me. I started working XXXX XXXX XXXX to try to make more money to pay this bill and to be able to feed and house my kids. I am a XXXX XXXX going through a divorce and this has made my life impossible. My credit score has plunged, all because of what PNC is doing, making it impossible for me to refinance my loan with some other bank. PLEASE HELP!!! | ||||||
| 11/08/2021 | Yes |
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| In XXXX I and my husband, we were in a hardship situation. My husband lost his job. I was not working that time due to XXXX XXXX. We were unable to pay our credit cards on time, but I was every time calling the companies to let them know about the situation that time. They were calling us many times a day. We decided not to answers to their calls. It was painful and frustrated for us. We were stressed. In XX/XX/XXXX, I found a job that fit with my condition. All the money I earned that time allowed us to pay our rent, the car insurance and our car with XXXX XXXX XXXX. We did not want to lost the car. In XXXX my husband found a stable job where he is until today. In XXXX the financial situation improved we decided to pay the debts we had. Almost all accounts were sent to collections. Were paid as agreed with the collections agencies we paid every thing. We asked to forgive us, because we were not able to pay monthly as agreed. Most of companies removed our accounts from serious delinquency, PNC BANK, XXXX XXXX AND XXXX 'S did not want to do so. The main concern of our complaint is we need another chance. We have stable jobs now and are able to manage our finances. We need your help if those companies can remove those accounts from serouis delinquency. This situation affects us so much we are first time home buyers. Every time we apply for a loan we are not approved because of those accounts on serious delinquency. The credit limitsfor PNC BANK WAS XXXX $ with late it was around XXXX XXXX I had pay according to the settlement around XXXX $ and something. XXXX XXXX XXXX $ credit limit with late fees it was around XXXX $ I have paid according to the settlement XXXX $ and something, XXXX XXXX CREDIT limit XXXX $ XXXX paid XXXX $ and something. We have never wished to lived the situation we had that time. We are asking for forgiveness. We want to have our own place we are at this address for XXXX years. It is time for us to move on. We are ready to have our own place. We have XXXX children. It is going to be nice for them if we move to a new house. Name : XXXX XXXX XXXX EMAIL ADDRESS : XXXX Home address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Note : I have changed my last name. The time I had those accounts my full name was XXXX XXXX XXXX | ||||||
| 08/08/2019 | Yes |
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| PNC Bank is so unprofessional and made me waste my time and money! I walked in on XX/XX/XXXX to apply for a mortgage loan & the first thing I did was ask if I could apply for the loan with my XXXX XXXX because I was XXXX XXXX XXXX. I am under whats called XXXX, XXXX XXXX XXXX XXXX XXXX which allows us to XXXX and XXXX XXXX in the U.S, I am aware not all banks accept that or will only approve your loan untill your XXXX expires and thats WHYY it was the FIRST thing that I asked & I was told that they do accept it. I had all the documents needed that day because I had previously applied at other banks, I had my W2, tax returns, pay stubs, bank statements, proof of down payment, social, ID, EVERYTHING. The lady that helped me took copies of what was needed to send to the loan officer & later on was told I got pre approved. I picked out the house I wanted and went from there. My loan officer almost NEVER called me to let me know anything about the loan it would always be my realtor having to call him and get updates. They asked for the earnest money and due diligence which was {$2000.00} total. I was told that if I backed out I would not get the money back but I NEVER backed out. I was willing to continue untill the house was mine! Then they asked for the appraisal money and that was {$600.00}. My closing date was set for XX/XX/XXXX but they kept asking for more and more documents and asked for a copy of my XXXX XXXX, so the date got moved to the XXXX. Comes XX/XX/XXXX and my realtor has to call the loan officer early in the morning to confirm & the loan officer tells her we can not proceed with the loan because I am not a XXXX XXXX and can not do a loan with my XXXX XXXX, she asked him if he spoke to me already and he said no. I waited all day for him to call me and he never did so I called before XXXX and thats when he told me we could not proceed. My point is I clearly asked before I started the process if I could apply with my XXXX XXXX and was told yes, made me spend {$2600.00}!! Money that I have to work hard for and is not growing on trees for them to say no the DAY OF CLOSING?? and tell me I cant get my money back?? Its YOUR fault for saying you DO accept my XXXX. If they would of said no I would of NEVER wasted my time with PNC. | ||||||
| 01/31/2016 | Yes |
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| I have no other recourse to submit this issue to the CFPB. I have made numerous good faith attempts to rectify this through PNC Bank personally. This has included the following activities over the last 12 months : 2 Branch visits : 60 minutes each 6 Phone calls about this issue : 40 minutes each Research to submit this issue to CFPB : 4 hours Total time spent trying to rectify this issue to date : 10 hours During my first call I was told, " why would n't you notice this earlier? '' and " it is not the bank 's responsibility to verify your interest payments, especially since it has taken so long to catch it ''. It was n't until my 5th call that I was able to contact someone in the customer resolution team who went and researched this problem ( the person on my 4th call promised to log an interact complaint, which I asked her too, and she did not follow through or log the compliant which is against regulations in the Frank-Dodd Act ). When she had her team research the issue she verified that there was only {$15.00} in interest owed. I had informed her that is drastically under what I should have earned during the last 2 years. For my PNC Growth account, I would be awarded a higher interest rate for every month I made more than 10 transactions on either my PNC debit card or PNC credit card combined. For some reason in XXXX PNC Bank unlinked my credit card without my permission and those credit card transactions no longer counted towards my combined transaction total. I have gone through every month statement for the last years and found that I have been short changed this amount ( I should have received {$40.00} but was only credit {$15.00} ). I am requesting the balance of my owed interest be refunded to me and action taken against PNC Bank for putting me in this place. I am also requesting a charge per hour for my personal time in order to find resolution. I earned {$220000.00} last year at my job so when you divide that for a 40-hour work week it comes to {$100.00} per hour. With the 9 hours that I have put towards this issue, I am requesting {$1000.00} for compensation on personal time rendered to do PNC 's job. Months in Question : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX | ||||||
| 07/13/2023 | Yes |
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Web | Servicemember |
| The intro bonus offer for the cash back rewards card was denied after meeting the terms and qualifications of spending {$1000.00} during the first 3 billing cycles upon opening the account. On XX/XX/XXXX XXXX XXXX XXXX I called PNC customer service at XXXX to inquire on why I had never received my promotional offer. The service agent stated that i had signed up for the card during a promotional black out date that began XX/XX/XXXX - XX/XX/XXXX. This is nowhere stated on the terms and conditions upon signing up. The website is currently unchanged and the terms still do not reflect such verbiage ( XXXX ). I requested to escalate the conversation and speak with a manager, which then resulted in me speaking with an American woman who then stated she could not find a sign up code and that I indeed signed up on a supposed " black out date. '' However, upon her verification of the PNC Website, she confirmed the offer had not changed and there were no black out dates stated. My issue was then written up to be forwarded to higher. On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX, I recieved a follow up call from PNC ( XXXX ) and was greeted by a service representative who wanted to know if my problem had been resolved to which I replied " No, the problem has not been resolved and I am still waiting on confirmation that my complaint has been reviewed for the issue of not having received my promotional bonus upon meeting the guidelines ''. At or around XXXX on XXXX XX/XX/XXXX, I received another call from PNC stating that my claim had been denied without further explanation, no confirmation either written or emailed after my request. The representative apologized and stated that due to length of time in which the promotion was due to be given was too far off, that I would not be receiving it whatsoever. My response was " the reward should have been automatically applied to my statement, since it is not my job to do PNCs job. '' The integrity of this bank is reflecting poorly by the way it has handled this situation. Many other customers may have applied for this card just as I did via the PNC website with the intent to apply for a card with a bonus offer, however, it seems that they may have been defrauded of their time, mental well being, and money. | ||||||
| 11/24/2021 | Yes |
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Web | Older American |
| This complaint is against PNC Bank. My husband and I were BBVA customers, which was previously Compass Bank. As I am sure you are now VERY aware, PNC bought BBVA and on or about the weekend of XXXX XXXX, PNC migrated BBVA accounts XXXX changing account numbers, etc. We had four accounts with BBVA, two business and two personal. These accounts were all linked and accessible via online banking prior to the migration. After the migration, only three accounts were linked, the two business accounts and the personal money market account. The personal checking account was NOT linked and all the bill pays previously set up with BBVA were CANCELLED. This is completely unacceptable. To make the problem worse, PNC appears to have been completely unprepared to deal with the onslaught of customer service calls as a result of problems caused by their so-called migration. Each customer service representative I managed to talk to about the issue the day after the botched migration ( after being on hold for ridiculously long periods of time ) had a different approach to resolving the issue, none of which made sense. They were clearly not very well trained. When we went to a local branch the day after the botched migration in an attempt to fix the problems, the person there filled out a form to fix the linking or so we thought. Here we are over a month later and the personal account is still not linked. Each week, I call customer service and I get yet another story as to why the linking is not done. It is COMPLETELY unacceptable for a bank to CANCEL scheduled bill pays, as PNC did. This created all sorts of problems. Further, the minimum they could have done is to notify us that there was a problem, which of course did not happen. Further, we went to the branch where we had a safe deposit box as we needed to move the contents closer to where we are now living. This was a former BBVA branch and the people there did not even have instructions as to how to cancel the box. I have no confidence that the automatic charge was not stopped. The manager actually had to go to her office and print out online instructions. This bank was clearly unprepared and incompetent in the acquisition of BBVA and the transition of our account and many, many others. | ||||||
| 06/26/2017 | Yes |
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| I went to the PNC Branch XXXX at XXXX XXXX XXXX in XXXX, AL, at XXXX on XXXX XXXX, 2017. I intended to deposit to my account a baby shower gift in the form of a personal check for XXXX XXXX dollars, issued by the XXXX XXXX XXXX. The Branch Sales and Service Representative ( name withheld ) was unwilling or unable to provide me with any of the following information : 1. the rate of exchange, 2. the expected date of debit from the creditor 's account, 3. the expected date of credit to my account, 4. the sum total of all applicable fees, 5. an explanation of the purpose of the applicable fees. I was told nobody at the location could provide me with any of this information, nor was there an off-site representative who I could telephone to obtain this information. I was told this information could be obtained only after surrendering the check for deposit. I have a checking account in good standing with PNC. Upon returning home I attempted to obtain a valid email address for PNC customer service in order to obtain this information. I was informed by a customer service representative ( @ PNCBank_Help on XXXX at XXXX XXXX - XXXX XXXX 2017 ) that " For security, we are unable to allow emails from 3rd parties. '' After explaining that I was not a third party, but rather a PNC account holder, I still received no valid email address, and was directed to use the " message center online ''. PNC provides a limited messaging service through their online banking portal ; however, it does not allow me to maintain an independent record of communication, requires log-in credentials, and restricts message format. I only wish to send a plain-text email. I have been unable to find out whether providing any of the above information ( exchange rate, credit/debit dates, fee totals, fee purpose ) is an obligation of the bank. I find it hard to believe that I have no recourse but to hope for the best, instead of making an informed decision whether to offer a check for deposit, or to take it to another financial institution that may offer a better rate. Furthermore, I am surprised that providing a valid email address for correspondence is not an obligation of a financial institution. Thank you for your time and attention, ( name withheld ) | ||||||
| 12/13/2023 | Yes |
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| I have had PNC since they came to Florida going on 20+ years. I have been a loyal client of theirs yet PNC has NEVER done any favors for me. They would not even give me a credit even when my credit showing 100 percent payment across the board. My compliant came when recently my income decreased and caused my balance to be low. PNC offers a service call the Low Cash Mode. It gives you extra time such as 48 hours to deposit funds before the item is posted and you're charged an over draft fee. When you log into your app or online banking, you can see the pending item and if you go to the menu you can see the item and the DEADLINE when the item will be posted or you need to bring the balance to cover the pending item. Lately PNC has been doing what ever they like. I had multiple items where it gives me a time let 's say " 36 hours remaining ''. What PNC has been doing was just randomly returning the item before the time is up. Itll be same day even they just return the item. What is the point to even have this if you're going to just randomly returning item? POINTLESS feature isn't it! When confronted PNC of this, their reply was " it's up to our discretion to either pay or return the item ''. Though that is ultimately the banks decision. If you give the account holder a timed deadline, no decision should be made for the account till that time! What's is worst? now PNC is doing the opposite! On the week of XX/XX/XXXX. I had a utility item that caused my account to be over drawn. I did not put in the funds in time and I end up getting an over draft fee. On separate day I got another utility charge that came in as pending and the Low Cash Mode kicked in and gave me a timed deadline. XXXX the morning of XX/XX/XXXX it is showing I had " 5 '' hours still yet my PNC decided to paid the item and post it with an over draft fee already! So instead of using the discretion clearly that my account was over drawn and has an over draft fee, they all of sudden decided they wanted to pay the item and charge another over draft fee!. This is unethical behavior and it will be my last encounter with PNC. I have incoming funds coming in and I will be taking my funds to another bank as this is behavior is something that is not acceptable. | ||||||
| 08/16/2023 | Yes |
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Web | Older American |
| I have been buying and selling XXXX for 3 years now, and am a member of a group on XXXX. Recently I was looking for a particular breed and someone suggested contacting XXXX XXXX XXXX, which I did. They said they could send me XXXX XXXX for {$220.00} and this included shipping. I was asked to send it via XXXX ( which is through my bank PNC ) to a XXXX XXXX ( the breeder ). I did this and then the " breeder '' contacted me later in the day ( via XXXX ) that he was at the post office getting ready to ship them to me, however, the post office was requiring an additional {$150.00} for insurance & crating ( which was going to be refundable after they were delivered ) and then {$110.00} for vaccinations. None of this was a red flag since these are normal requirements. The red flag happened once the " shipper '' contacted me via email and stated I needed to send an additional {$490.00} in order to get the XXXX into Ohio. NEVER have I had to do such a thing, so I told them to cancel the shipment. I then XXXX the breeder and told him to refund my money or I would file a complaint. I also contacted PNC to let them know I had been scammed, however, they refuse to refund my {$490.00} because they said I knowingly send those transactions. PNC now has the 2 emails that I sent the transactions to marked as " fraud/scam accounts '', but they still refuse to reimburse me even though I unknowingly was being scammed. I don't feel asking for my {$490.00} back is unreasonable since I thought I was involved in a legal deal. I didn't know any of this was fake until I started researching the phone numbers, emails, breeder facility, etc. All of these things came back stating that they didn't belong to any one person or company. PNC told me that because they couldn't get the money back, that I would have to accept the loss. I do not agree with this at all. I kept all the messages the breeder sent me, along with all the transactions and messages from the shipper. Obviously this person or persons knew the right things to do in order for me to believe I was dealing with a legit breeder, so I don't feel this was my fault. Going forward I will heavily research anyone else I deal with since this apparently is a new thing - scamming people on XXXX sites!! | ||||||
| 12/29/2021 | Yes |
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Web | Servicemember |
| I took out a loan on my XXXX through PNC bank. When I left employment with PNC on XX/XX/XXXX, I was given a letter with instructions to pay off the remaining balance with a due date of XX/XX/XXXX. There was not an ability to repay the XXXX loan via electronic transfer of funds, and the form had instructions to follow ( attached ). Following the instructions, I remitted a Cashier 's Check drawn on a PNC bank with PNC INcentive savings plan as the payee in the amount of {$28000.00}. The official check number on XX/XX/XXXX. I then sent the check with the documentation via USPS tracking #. The tracking numbers indicate that my check and its contents were delivered on XX/XX/XXXX. This was two weeks in advance of the XX/XX/XXXX due date. I contacted PNC on XXXX and on XXXX as the online account was not reflecting repayment of the loan. I was advised on XXXX that the item was received and an image was present on the account, and that the payoff would take a few days to clear, which seemed reasonable. I contacted PNC again on XXXX and was told a different story. This time i was told that they only process the check on the due date on XX/XX/XXXX, and that it would not post early. I contacted PNC again on XX/XX/XXXX and was told that it could take up to a week to reflect on the account. I contacted PNC again on XX/XX/XXXX because I received a notice of loan foreclosure for non-payment as well as notification that the IRS would be receiving a 1099R for the amount of the loan default. I was advised a different story again- i was not given a number to call them back directly. I spoke with a supervisor XXXX ( no last name given, no direct call back number given when asked ), who advised that he could see the funds received but it was never reviewed and therefore funds not posted. He promised me resoltion. I contacted PNC today XX/XX/XXXX and no activity other than a case # has been taken on my account. This is beyond the pale. PNC has had my loan repayment for 30 days, has not processed it, and this is costing me lost earnings on my money, but more importantly potential tax liability issues with the federal government. PNC has a duty to process my funds timely. I have photographs and copies of all documentation and tracking num | ||||||
| 05/29/2015 | Yes |
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| To Whom It May Concern: I am writing this letter in the hopes that I can get some sort of resolution of the issues that I am presenting to you. Over a period of years, my wife and I have acquired a few properties, namely our XXXX home which we decided to rent out, our primary residence and an investment property (XXXXplex) in XXXX and our home in XXXX. The mortgage to these properties were financed through XXXX Mortgage. At some point in time, theses were acquired by PNC Bank. At the time of the economic downturn, I reached out to the banks to attempt either refinancing or modification of the loans. My credit rating at the time was XXXX plus. I was informed that in order to qualify I would have to be delinquent and that refinancing was not an option because I had more than XXXX mortgages. We began the modification process and after a year of repeatedly sending and resending documents somehow I received a modification agreement on XXXX property. By the XXXX month of trial period just before the modification would have begun, PNC abruptly closed the account. They stated we had broken the agreement, which was blatantly false and would not offer an explanation or discussion on the matter. The property was immediately sold at auction. Thankfully we kept a paper trail in anticipation of being defrauded in this process. We hired attorneys to help us navigate through the short sale process on our original primary residence. PNC delayed the short sale process for over XXXX months with a qualified buyer waiting. This home was also foreclosed on, so now we are down to one last trial and tribulation with PNC. Even with a team of attorneys we have been unable to complete the modification process for over XXXX years. I attempted the process alone for 18 months without legal representation. So for close to 4 years we have been in limbo with respect to our primary residence. Imagine our surprise or lack of surprise when we received a $XXXX settlement from the XXXX for discriminatory practices. These last XXXX years have been hell on my wife and me. After reading our situation we hope you can help us get this settled, for you are our last hope. Thank you for taking the time to read this and I hope to hear from you soon. | ||||||
| 02/11/2016 | Yes |
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Web | Servicemember |
| Dear CFPB Staff, I am in the process of purchasing a home with PNC Bank Mortgage Division. Based on the recommendation of my real estate agent, I had notified the PNC bank on XXXX XXXX, 2016 to go ahead and order an appraisal and I signed all my mortgage paperwork on XXXX XXXX. My contract was ratified on XXXX XXXX and the appraisal contingency was due at XXXX on XXXX XXXX. Despite my reminders to the PNC loan officer about the appraisal due date multiple times, I did not receive the appraisal report until XXXX XXXX on XXXX XXXX. I went over the appraisal report the first chance I got and had noticed some gross mistakes, including " full size washer and dryer in bedroom closet, '' and " whirlpool tub '' which neither exists. I sent the loan officer an email with full description of the mistakes among others at XXXX. Almost a week later now on XXXX XXXX at XXXX, I still have not received a correct appraisal report. The loan officer was trying to argue that the appraisal report WAS sent before the deadline -- -but with multiple mistakes that could indeed impact the appraised value?? PNC bank while having had my ratified contract around XXXX XXXX still missed the appraisal contingency which resulted me not being able to negotiate to the potentially lower appraised value. I have contacted the PNC customer service who was supposed to connect me with the supervisor of the branch manager as the brank manager ( XXXX ) has been out of town all week, but the supervisor, XXXX XXXX XXXX refused to speak to me and ended up sending someone from the Branch who sounds very young and completely inexperienced on management skills. XXXX XXXX XXXX did not introduce himself when he came on the line for who knows how long after I had waited for several minutes. He basically had nothing to add but just told me to keep waiting. I am curious in this case, what rights do I have as a consumer and what recourse do I have that a bank such as PNC which failed to meet the appraisal contingency and pretended that the grossly inaccurate report was their extent of obligation to fulfill the appraisal contingency? I am XXXX for 4 years and just returned to the XXXX area and a bit puzzled about the mortgage business practice. Sincerely appreciate CFPB 's help. | ||||||
| 01/06/2023 | Yes |
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| On XX/XX/XXXX I was the victim of a scam that resulted in XXXX being stolen from my checking account via XXXX. On this same day I went into my local PNC branch to report the scam and ask that they pending transaction be stopped. This was within the hour that the scam happened. I was told that they could not stop the transaction and that I would have to wait until it posted and file a dispute. On this same say I also filed a police report with the local police department. I have a case number and copy of report if this needs to be provided. On XX/XX/XXXX I contact PNC bank again via telephone to file this dispute. All information was given in regards to this scam including case report number. I was told that I would hear something within 10 days. On XX/XX/XXXX I received a letter via mail, stating that my dispute had been denied and I could ask for more information/details on why if needed. I attempted to contact PNC immediately because I do not agree with the decision that was made considering I was a victim of theft by deception. I spoke with a representative and voiced my complaints. I was told that I would need to speak with a manager and that they would have to take my information and someone would need to call me back within XXXX hours. I was not able to speak to someone immediately. I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX. I was told that she would no be able to help me. I asked to speak with someone that could. I was told that they dispute department does not speak with customers. My complaint at this point is how did they arrive to their decision if they never spoke to me about what happened. What type of investigation was done on their part? I insisted that I be put in touch with someone such as her boss and that my complaint be escalated. She told me that should would see what she could do and call me back that day. I was also provided with her contact information. I did not receive a call back from her that day. And have not since. The weekend was a holiday weekend and the bank was closed on XX/XX/XXXX in observance of XXXX XXXX XXXX. I made an attempt to contact XXXX XXXX on XXXX, XXXX, XXXX and XXXX with message left on voicemail. I still have not received a call back from anyone. | ||||||
| 10/17/2020 | Yes |
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| On Tuesday, XX/XX/2020 XXXX XXXX I sent an email to XXXX XXXX, NMLS ID # XXXX, a Mortgage Loan Officer for PNC Bank , National Association ( NMLS ID # XXXX ) associated with XXXX XXXX XXXX, XXXX, NJ, XXXX office. The email included the address of an apartment, salary information, purchase price, and loan amount information. As we have previously worked with Mr. XXXX to obtain pre-approval letters, I was looking to engage his services again. On or about XX/XX/XXXX we have finished our application on the PNC portal and a credit report was pulled against our social security number. On XX/XX/2020, XXXX XXXX, my wife email the chain and informed Mr. XXXX that our offer was accepted, and Mr. XXXX asked to speak with her. On that call, Mr. XXXX said that he will not provide a Loan Estimate before we commit to PNC as our lender and provide a fully executed purchase price. On XX/XX/2020, XXXX XXXX I emailed Mr. XXXX and reiterated that we provided all the information required to get a Loan Estimate per TILA-RESPA, and asked him if there is anything else that he was missing to issue a Loan Estimate within 3 business days. On XX/XX/2020, XXXX XXXX Mr. XXXX emailed back and asked me to call him about next step. During this call, Mr. XXXX said that he's been doing this for 20 years and never issues a Loan Estimate before a borrower commits to working with him because " he doesn't want people to shop him around ''. I asked if he refused to follow TILA-RESPA, and he said that PNC is very compliant and the online system would generate it if it was legally binding. I then tried to get back to the PNC portal, and the only thing I could see is that more information is needed and I need to contact Mr. XXXX. I then emailed Mr. XXXX at XX/XX/2020, XXXX XXXX explaining that there was no way to enter any information in the PNC Portal and listed out the info we have provided him and when we provided it to him. I wrote that I expected a Loan Estimate within 3 business days in accordance with TILA-RESPA. On XX/XX/XXXX I called PNC 's customer service and described the situation. The representative was very concerned and assured me that the Legal department will contact me within 24 hours. I never heard back from anyone at PNC. | ||||||
| 06/04/2016 | Yes |
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| I had a checking and savings account with PNC for around 4 years. I also had a revolving credit card ( card where you put down money as collateral, in my case {$300.00} ) While at PNC I experienced having to pay to take my money out of my savings account, unforgiving overdraft fees, and all together lousy service. I was stuck with them though because they were the most convenient option given where I lived. On to my complaint. When I moved across town, I switched banks and went to close out my accounts. Checking and savings were closed just fine. To close my credit card account, I had to pay the full balance of the card which was {$380.00} minus the {$300.00} that I had put down on the account. I was dealing with a banker, not a teller. I handed over the {$85.00}, and was not given a receipt, but I was told it would all be taken care of. Fast forward 4 months and I get a call from a COLLECTION AGENT of PNC asking me to pay the balance on the card of {$150.00} dollars. She also informed me that my account had been closed. I went into the branch that I had gone in to close my account and see the same banker I had dealt with. She remembers me and after I explain what happened, she calls customer service and files a complaint. I get a call 2 days later from consumer complaints and I am told that my agent will investigate the records from the branch in Ohio that I dealt with for the {$85.00} that I had paid when my account was closed. A couple days later I get a call. She did n't find anything supporting my claim, and that I have to pay the balance in full. ( The date of account closing and final balance on card are approximated, after many phone calls, and records showing different amounts. This is because I NEVER RECIEVED A RECIEPT ) What does n't make sense to me is why in the world would I close all of my accounts and ask for my revolving credit card to be cleared of all charges except the {$85.00}? What kind of XXXX would allow me to do that? Why would they refund my {$300.00} dollars and keep the account open, without any collateral? I have been very patient. I put up with a lot of ABUSE and have paid EXORBITANT FEES in my time with PNC. To me this is just another in a long string of UNFAIR COLLECTION PRACTICES. | ||||||
| 05/11/2023 | Yes |
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| My mom passed away in XX/XX/2022. At that time, she had her Medicare premium payments set up for auto payment through PNC bank. I notified PNC and Medicare/Social Security that my mom passed away and provided the official death certificate XX/XX/2022. I then filed for probate and waited for that process to complete. When probate ended, I went to PNC to pay the lawyer fees and settle the estate. It was then that I found out PNC had continued paying mom 's Medicare premiums EVERY MONTH since she passed away ( around the XXXX of the month ). At the time, it was 11 payments of {$140.00} each. At the local branch, I was told it was their mistake and they would make it right by XXXX XXXX XXXX XXXX KY. I put a stop order on all future Medicare payments and received an e-mail confirmation that it would not happen again. The next month, they paid it again! It is now almost {$1800.00} PNC has paid out to Medicare since mom passed. I then received 11 letters from PNC saying they would not be paying me back for the money and that the matter is settled. After numerous visits to local branches, phone calls, and e-mails this is where it stands : PNC blames their third party bill pay service. The third party bill pay service blames Medicare. Medicare told that third party bill pay employee that they have not been billing them or making any electronic requests for money, PNC just keeps sending it out. She said this would be the equivalent of me sitting down and writing out a check and mailing it in each month ( knowing that my mother is deceased and not receiving the benefits ) but just continuing to pay the insurance premiums. THE THIRD PARTY EMPLOYEE AGREED. But no one has made it right! I have had numerous phone calls with social security and filled out forms/written letters to try to get the money back. I have gone to two local branches of PNC, sat on the phone for hours with the escalation department, and written numerous e-mails to try to get the money back. I have not had any success. I have reached out to the lawyer that did mom 's estate/probate for help. He called PNC last week and said that once those moneys had been filed on the probate form, it was unlawful to keep removing those funds. PNC has not responded. Can you help? | ||||||
| 07/02/2018 | Yes |
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| I have a home loan with PNC I had a tragedy and lost my job and have had problems with making payments so I applied for a harsdship application starting in XX/XX/2017. I was finally approved for a forbearance in XX/XX/XXXX until XX/XX/XXXX. I was then told to fill out another application by XX/XX/XXXX which I did. In XX/XX/XXXX they started requesting the wrong information from me which delayed the process. They then said they needed me to resend information which again delayed the process. I asked about a deed in lieu and I was told you have to get the application process completed and then we can go over your options. 2 weeks ago they informed me my home was in active foreclosure. I am now very upset because I believe if it had not been for their long drawn out and inaccurate requests I would not have been in foreclosure and would have had other options available to me because I don't qualify for any because of my lie income I guess right now. I believe this is intentional. I do not believe I am the only one. The reason o say this is because in XX/XX/XXXX they did the same thing and when I questioned what they told me I needed over the phone their reply was what did the letter say? Now the letter is incorrect because they requested page numbers On the application that were not correct and it took a couple of weeks to determine what the actual page numbers that they in fact needed from me. The first supervisor urged me to let them handle it before I contacted you. The second one told me at first there was no agency that I can complain to that governs them. I then stated it contains a letter c or b in it and she then have me your information but followed up with it will go directly to her anyway. They did nothing to rectify the fact that because of them my application process took so long which now has me incurring additional fees when I could have qualified for something like a deed in lieu of foreclosure which I was told I don't even qualify for that now because I am in foreclosure. She went over like 4 or 5 steps I needed to do with a realtor in 5 seconds and I told her there was no way I was going to be able to write that information down that fast and I would follow through on my end with a complaint to the CFPB. | ||||||
| 04/07/2022 | Yes |
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| In XXXX of this year, PNC closed all XXXX of my accounts without my consent. I never received any correspondence notifying me of the actions taken on my account. The first time I contacted them on XX/XX/XXXX, I received conflicting information about my accounts. First, I was told that my online banking was turned off and then later I was told a hold had been placed on my account. Subsequently, I went to the branch location to attempt to resolve this matter and I was advised that my accounts were closed and that I should receive a check for all the funds within 30 days. In XXXX, I received correspondence notifying me that I had been granted full access to my accounts. After receiving this advisement, I went to the branch on XX/XX/XXXX to attempt to retrieve the funds because I had yet to receive the funds within the advised 30-day period but I was unsuccessful because of the hold that still remained on my account. I contacted PNC by phone again on the same day and I was advised the letter notifying that I had been granted access to my accounts was erroneously sent and the hold was still placed on my account with no close end-date. I have been told that a case had been created on XX/XX/XXXX to escalate my banking concerns and that I should hear from a manager within 1-2 business. No one made contact with me so I went to the bank branch on XX/XX/XXXX to alert them I would be filing a CFPB complaint if I had not received a check for the funds or the check number and tracking info by XX/XX/2022. They filed and scanned the letter I gave them to my online file. My case was then assigned to XXXX XXXX in the XXXX XXXX department. She attempted to contact once by phone and email on XX/XX/XXXX. I called her back 3 days in a row, left a voicemail, and she didnt return my call. Every time I called to attempt to get in touch with XXXX XXXX I was connected to a completely different department and on XX/XX/XXXX was told a different person named XXXX XXXX would have to get back in touch with me who had made no contact before. XXXX XXXX contacted me on XX/XX/XXXX and asked me what my issue was as he was unaware and said he would call me back with an update. I have received no call back from anyone within PNC Bank or the branch. | ||||||
| 03/02/2023 | Yes |
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| I was a subscription customer of XXXX, which charges a monthly fee of {$32.00}, while you keep your subscription, members are sent cologne/perfume sample size containers per member 's choice that are selected from XXXX XXXX catalog listings. I joined this service on XX/XX/XXXX. In I canceled my subscription after 29 boxes were received. I canceled the subscription on XX/XX/XXXX, with scentbox through my scentbox portal. My online account at XXXX shows the status of my account to be " EXPIRED '' and states that I would have to reactive the account. However, with this cancellation being complete it, in fact, end a consumer relationship with scentbox and revoked the authorization for them to continue debiting my account at PNC Bank. Furthermore, unfortunately, this was not the case. XXXX continued to auto-debit my account after the authorization revocation. XXXX XXXX debited my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all in the amount of {$32.00} totaling {$490.00} stolen from my account since I am not a member and NOT receiving any goods or services for this money since I canceled the account and have that documentation. I have attempted to contact the number listed under customer service for scentbox and am told there is no one for me to talk to about the matter. I then to PNC Bank and spoke with a banker who filed a dispute of these charges but never kept or made copies of the documentation that I brought with me to give the PNC banker. I honestly do not even think she looked at any of the documentation I had. I was given a provisional credit but whatever scentbox said to PNC they reversed the provisional credits on XX/XX/XXXX even with the account documentation I have straight from XXXX 's account for my account being closed. The banker even told me that I could not revoke authorization for them to debit my account even though federal law states that I have notified them that they do need to stop them from debiting my account. This is my last ditch effort to resolve this issue and get my money back otherwise I will be forced to take legal action as the remedy. | ||||||
| 03/15/2016 | Yes |
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| I called PNC customer service XX/XX/XXXX to inquire about removing the PMI from my loan since my Loan to Value had reached XXXX %. My loan amount is {$190000.00} making my LTV XXXX %. It was scheduled to be removed automatically on XXXX/XXXX/XXXX but I figured I would try to get it removed earlier. After discussing this with the representative and learning a new appraisal would be required, I told her not to send me the information. She said it was too late as she had already pressed the button. She said it would n't change anything and only provide me the steps to take to remove the PMI. On XXXX XXXX I received that letter from PNC about the PMI. The letter stated that my LTV was no longer XXXX %, in fact, it was now XXXX %. They also stated I could get an appraisal using a condo appraisal form for {$500.00}. First, my home is not a condo, it is a single family residence inside a PUD. I am in the mortgage business and I know that appraisals do not cost {$500.00}. I proceeded to go online to my account and noticed that someone within PNC had changed the automatic removal date of the PMI to a whopping XXXX/XXXX/XXXX. They are saying I need PMI for another 21 more years! I tried calling PNC customer service and after being put on hold for almost an hour, I decided to hang up and call back during the day. I am so upset with PNC after making timely payments to them for the past 6 years. They modified my mortgage back in XXXX due to a hardship during the financial crisis. From XX/XX/XXXX to last month, the PMI drop off date was scheduled to be XXXX/XXXX/XXXX. See attachment # XXXX. I ca n't afford to keep paying PMI for another 21 years and it is illegal for them to do so because the loan to value based upon the principal balance of the first lien is {$190000.00} and the value of my home when I purchased the property in XX/XX/XXXX was {$240000.00}. I want this fixed immediately and PNC customer service has not met my expectations therefore I am filing a complaint with the CFPB in homes PNC understands how serious this error is. I have attached the new statement showing scheduled XXXX % LTV date of XXXX/XXXX/XXXX and a prior statement showing XXXX % LTV date of XXXX/XXXX/XXXX which has been this way since XXXX/XXXX/XXXX. | ||||||
| 11/04/2021 | Yes |
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| I attended a XXXX about Real Estate business and gave the XXXX XXXX XXXX XXXX XXXX my confidential information in hopes that they would give me some terms to elect from in order to be taught and trained by their XXXX XXXX XXXX, Not only was I never given any training but the XXXX XXXX XXXX XXXX XXXX created fraudulent Credit cards in my name totaling over $ XXXX, where I was told that the training I was interested in was less than XXXX. I was under the impression that they had their own financing program and that I could pay as I was taught. I never was told that they were going to fraudulently apply for over XXXX of credit cards without my authorization or knowledge and then forwarding XXXX dollars into their own account. The account I am reporting here is the PNC Bank. I have attached a copy of the statement where I received a newly acquired credit card having a $ XXXX withdrawal made into the XXXX XXXX account by the XXXX XXXX XXXX XXXX XXXX See attached ( PNC_ReceiptForFraudulentAccount.pdf ). I made repeated attempts to get the XXXX XXXX XXXX to resolve my fraud situation or resolve my fraud situation, but to no avail. I then took my documentation to the XXXX XXXX XXXX because I am a Senior Citizen of 68 years of age and this criminal act has robbed me of my life 's savings and all of my XXXX and XXXX XXXX XXXX represented me for free under their XXXX XXXX XXXX program for free.. XXXX XXXX XXXXXXXX , under the assistance of Attorney XXXX XXXX , fought my case and won!, but the PNCBank still would not respond to my attorney.s inquiry. See Attachment ( XXXX ). Attorney XXXX has since taken anew job in the private sector and could not proceed with representing me against the PNC Bank. She recommended that I seek assistance from the CFPB which is why I am appealing to you. Here is thanking you in advance for any assistance you may provide me with in hopes of helping me resolve this horrific nightmare, I am really struggling to pay these extreme payments and I don't know how long I can continue to do this without my health completely failing. I will be glad to assist you with any questions you may have and do not hesitate to contact me for any reason at ( XXXX ) XXXX. Thank You. Respectfully, XXXX XXXX. | ||||||
| 12/20/2015 | Yes |
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| As senior citizen and XXXX veteran who now is experiencing a financial hardship due to decreased income and spouse XXXX who is unable to work. My wife and I have fallen behind on a title loan which is secured via a boat title. Our payment history was excellent with PNC Bank until XXXX. Please be advised that we live on this boat in Michigan during the summer months. It is large enough to serve as our residence during that time. Received a threating letter from PNC Bank ( Notice of Default and Right to Cure ) demanding payment of {$9400.00} in less that 33 days from the date of letter ( XXXX15-not received until XXXX/XXXX/15 ) increasing our payments {$1800.00} over the demand period with no consideration or dialogue regarding a customers ability to repay. No concern via PNC regarding the Repay Rule just a threat and oppressive demand to pay under threat and PNC ultimatum. I initiated contact with PNC prior to receipt of XXXX/XXXX/15 demand letter to work out a payment plan to no avail to date. Constantly in contact with PNC Collections ( XXXX ) and Executive Client Relations ( XXXX ) in order to work out a reasonable/affordable payment plan still to avail. I will keep up contact until I have a representative call contact me while many days passed with our any reasonable terms discussed to work out a payment plan. This to prevent reposition of my asset which I have paid on for over 13 years in good standing and promptly. PNC Bank also demands this customer must contact them in writing with a payment plan taking up more time of the 33 day time allotment attempting to place repressive pressure on the customer to relent to their treats and payment ultimatum only. Please contact PNC Bank on behalf of this senior and XXXX veteran to get their attention and work our a reasonable payment plan for this customer which I have not been successful accomplishing as soon as possible. I also believe that PNC acting in bad faith using oppressive collection tactics on other customers like me as well. Perhaps, this complaint will help the CFPB to assist other PNC Bank customers and require this bank to active in a customer centric manner and correct their repressive and perhaps illegal collection efforts in bad faith as in my case. | ||||||
| 08/19/2015 | Yes |
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| I am writing to make a complaint against PNC Bank, NA. My husband and I have a home equity loan with PNC Bank that we 've had since XXXX. Our loan is due to be paid full by XXXX XXXX. We are starting to make principal only payments on the balance so that the loan will be paid full by the above date. I went to a branch drive thru on XXXX/XXXX/XXXX with a coupon and I wrote in bold letters " Principal Only '' in the amount of {$200.00}. After leaving the bank, I discovered it was processed as a regular payment. I then called the branch and was told by the teller, they have no button on their system to process " principal only '' payments on a home equity loan. I then had to call customer service and request the payment be reversed. I have been on the phone everyday talking to various customer service staff to see how to get my " principal only '' payments processed as such. I 've been told all payments will be processed as " regular payments '' and then they have to request that Branch Support Hot Line reverse the payment as principal. I was told this process takes approx. XXXX days. I then asked will the interest accrued on account be reversed and I was told, " No ''. Well in my mind, this defeats what I am attempting to accomplish if I 'm still accruing daily interest ( approximately {$8.00} per day, last time I was told ) and it 's not be reversed. I had a home equity loan with XXXX XXXX XXXX and we could make a " principal only '' payment anytime, at the drive thru or inside a branch, and my receipt would indicate " principal only '' payment. I think this is a way to collect more interest from their customers who have home equity loans with PNC Bank, NA. How could a bank in the lending industry not be able to service all loan customers in a fair and equitable manner? My wish from this complaint is that PNC will have to put in place an option for home equity loan customers to be able to make " principal only '' payments on their loans just as home mortgage customers have to option to do so. At the very least, if that 's not an option, then to reverse the daily interest accrued on account while waiting for payment to be reversed to a " principal only '' payment. I appreciate your assistance in this matter. | ||||||
| 08/07/2023 | Yes |
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| On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX on the corner of XXXX and XXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting PNC, learned that it had been fraudulently cashed or deposited by XXXX XXXX on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. I had a case opened by PNC 's fraud department and was assigned a case worker : Case worker : XXXX XXXX Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against PNC with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that PNC had contacted XXXX XXXX to confirm the fraudulent activity, to which they had heard no response. In the 5 months since this update, we have reached back out to PNC at least 5 times to learn that there had still been no response from XXXX XXXX to their request for confirmation of fraud. I have tried to contact XXXX 's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at XXXX 's fraud department that it is incredibly unusual for a case like this to take this long. I have written to the Office of the Comptroller of the Currency to reopen the case against PNC and to file a new complaint against XXXX. I contacted PNC again and learned today ( XX/XX/XXXX ), that they plan to reach out to XXXX once again. It has now been 1 year since this unfortunate event, and there has been no resolution. | ||||||
| 11/23/2016 | Yes |
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| I became behind on my mortgage payments due to several reasons. PNC Mortgage kept sending payments back due to lack of full payment for all that were due. I contact a law firm and they stated they would help. I paid them {$1300.00}. Once that was done they collected pertinent documentation needed by PNC. After the Law Firm spoke to PNC they stated they would be willing to do a Mortgage Modification with a payment Trial period. The law firm then stated they will withdraw from the communication and let me deal with the bank. The bank agreed to let me make trial payments but all the while asking for continuous and duplication of paperwork that was already given. In the meantime the law firm had closed their file and sent it to PNC. I made the first trial payment for XXXX/XXXX/16, by walking it into their branch on XXXX/XXXX/16, which is attached. After following up with the Loss Mitigation department, they stated that my agreement was null and void because they had received financial information from the Law Firm. No where in the agreement does it state that this would happen. All the while foreclosure processing was going forward but the agreement stated if I made the payments ... ... No Foreclsoure Action would happen ... ..I received notification that the Lis Pendens was filed on XXXX/XXXX/16 and papers were served to us on XXXX/XXXX/16. In the meantime our payment that was made for the XXXX XXXX, 2016 payment was refunded via mail. I called PNC Loss Mitigation and they said the previous agreement was null and void and they would have to start a new process to see if we qualify for a modification. After several months of sending information and confusing instructions by several individuals I am writing to you. Please help me save my home! This ca n't be the way Banks can conduct business! Consumers are held to a higher level than banks? All I want to do is pay them what I owe them and continue on. I filed a 45 day extension and now I get served that I have to go to court. Will the court side with the banks? I talked to another attorney and they said a term called " Dual Tracking '', I looked it up and showed that this is way for the banks to prolong the process while the attorney puts your home in Foreclosre. | ||||||
| 01/31/2021 | Yes |
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| I have been trying to obtain a full payment transaction history for my car loan at PNC Bank since Monday XX/XX/XXXX. I have an online account, and the full payment history is never displayed. On Monday, XX/XX/XXXX, there were only XXXXwo payment transactions displayed. I called them and notified them that I need the full payment transaction history to send to My GAP Insurance Company for my claim on the total loss of my car, which would pay off the car loan that I owe to PNC Bank. The customer service representative said that she would send my full history by mail. I did not receive it. When I looked back online on Monday, XX/XX/XXXX there was a partial payment history for one year on my auto loan. I called again, on Monday, XX/XX/XXXX, and explained to them that I had not received my full payment history by postal mail, and that only a partial history was shown online. Again, the customer representative said that she would send the full payment history by mail. I have not received a full history online or by postal mail as of XX/XX/XXXX. I called again on Saturday, XXXX, XXXX, XXXX, and asked them why they would not show my full payment history online or send my full payment history by mail. The representative transferred me, and there was no response afterwards. PNC has never shown a full payment history online for my account, and removes the payments from my account online. In addition, my Car Insurance company had to send them a check for the actual cash value of my car twice because they had the check for almost a month, and the check was not cashed. The first check was sent on XX/XX/XXXX. I thought my car insurance company sent it to the wrong address, because the payment had not been posted to my account. I then had my insurance company three-way call PNC Bank to verify that the address was correct. It was correct. I explained to them that they keep calling and emailing me about the payment, but that my insurance company had already sent them the check. PNC had not cashed the check which had been in their possession for almost a month. My insurance Car Insurance company had to stop payment on the check sent XX/XX/XXXX, and reissue another check on XX/XX/XXXX, which was finally posted on XX/XX/XXXX. | ||||||
| 06/18/2015 | Yes |
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| To whom it my concern : My name is XXXX XXXX XXXX, I have FHA Loan with PNC Mortgage, Loan # XXXX and I have a complain the way PNC is handling my situation and the way how they have been treating me. XXXX years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked XXXX XXXX XXXX for help asking for a Loan Modification program or any other relief available. It is very hard to deal with PNC because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from PNC, I am frustrated and XXXX and I feel PNC is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to PNC to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am American Citizen and I 'm wondering if PNC does n't want to help me because my name is XXXX XXXX XXXX and I am XXXX I feel discriminated by PNC. XXXX published on XXXX/XXXX/XXXX " PNC former employees : We were told to lie '' the article is based on employees of PNC routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX | ||||||
| 11/03/2021 | Yes |
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| I want to make you aware of the pain a lot of Americans are suffering due to the BBVA PNC merger. In my specific case, PNC withdrew money from my checking account without my authorization. They unilaterally enrolled me in automatic payments of my mortgage even though I did not consent nor was I informed. My mortgage under BBVA was not set up for automatic payments. So, I paid my XXXX mortgage on XX/XX/XXXX. I had to do it over the phone because PNCs online banking is not working. I paid my regular amount plus a principal curtailment. The payment went through. On XX/XX/XXXX I saw that my checking account had been debited on XX/XX/XXXX for the mortgage. This means PNC took out two mortgage payments the one on XX/XX/XXXX was without my consent. It has been an ordeal to get any kind of customer service. I get bounced around from person to person. Finally, I talked to a representative that admitted that I had not consented to be enrolled in automatic payments. She told me I would be credited. I havent. I called another person and he lied and said he had a written consent I had given to BBVA. I explained that the consent he was referring to was for a construction loan that had been paid off on XXXX but that I never signed a consent form for the mortgage and BBVA had never withdrawn mortgage payments automatically from my account. He agreed with me. It has been 3 days and my money is still gone. They refuse to electronically credit my account. They insist on sending me a check. The amount taken by PNC is close to {$3300.00}. Luckily I can live without that money but what if I lived paycheck to paycheck like many of my fellow Americans? What if because of their greed other payments had bounced? I have been reading comments on social media of other victims. What happened to me happened to others. It seems that PNC has been enrolling BBVA customers on automatic payments without their consent or without notification. My grandma would say this is just plain stealing. Banks have been getting away with a lot of bad things for a long time. To make things worse the government keeps allowing all these mergers which have resulted in fewer options and less protections for the consumer. Thanks for your time. XXXX XXXX | ||||||
| 08/05/2021 | Yes |
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| There is a 30 day late payment reported on my XXXX and XXXX report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by PNC bank on 3 occasions and did not receive response. I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years. Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue. Contacted bank again that day, was told need to escalate case will hear back in 24 hour s, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute. Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late. | ||||||
| 04/21/2021 | Yes |
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| On XX/XX/2021 I received a letter from PNC Bank in the mail indicating that 3 accounts had been opened on XX/XX/XXXX. I received a separate envelope with a virtual wallet debit card. I had not opened an account with them and have never had a relationship with them. On XX/XX/2021 I called the PNC customer support phone number XXXX and reported the accounts as opened fraudulently. The person on the phone did not seem interested at all in the issue and would not give me any information. Upon my insistence, she said someone in the complaints dept. would contact me in a few days. On XX/XX/2021 i received a voicemail from the retail support group on behalf of XXXX XXXX, with a phone number ( XXXX ) XXXX. I called the number back the same day and left a message indicating I was returning a call. On XX/XX/2021 I received a call back from XXXX XXXX. He indicated that he needed to verify my identity and would send a text ... to the phone number he had just called me on ... and would need me to give him the PIN. Hi then placed me on hold and I received the following text : PNC will not call and ask for your passcode or your online banking login info. Your code is XXXX So naturally I asked, why does this say PNC wont call me to ask for this code ... but you are calling to ask for this code? He got XXXX, indicated that he was very busy, and demanded that I give him the code or he would not be able to help me. I asked for His direct phone number. He gave me the same phone number from the voicemail on XX/XX/2021. This phone number is not registered to PNC. It is registered to someone named XXXX XXXX in XXXX, PA. I hung up and drove to a branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. When I arrived I asked for help to set up online banking for the fraudulent accounts. The branch manager would not give me any of my account details, but indicated that there was no history on the account of my previous reports that the accounts were fraudulent. There was no note to close the accounts, despite multiple contacts with the company customer service that should have initiated this. He suggested I file a police report, which I did. As far as I know, the accounts are still open but I am not able to access them. | ||||||
| 09/12/2016 | Yes |
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| Over 3 months ago I submitted a loan application with PNC Bank, the process has become a complete nightmare. This situation is affecting economically and emotionally. When I first contact PNC Bank I stated that we needed to short sale a property to a family member. PNC agreed and they let us continue with the process. Upon initial review, they stated that financial situation for the borrower was in order, that the debt to income ratio was satisfactory. When they ordered the appraisal, they assured us that the loan was on track and there were no issues. We paid them {$600.00} for an unnecessary appraisal, unnecessary because the short sale amount was vastly under the value of the home. The appraisal came back and showed water damage to the home and the appraiser incorrectly stated that this was due to a plumbing issue. We had a plumber verify that this but PNC required complete repair of the bathroom before closing. We spent over {$50000.00} for this repair. Then PNC had the borrower purchase home owner insurance prior to closing. Once that was complete, PNC still did not set a closing date because no one ordered a title search. This delayed us further and further. Upon receipt of the title search, PNC began to make an issue about the short sale of the home to a relative. We continued delaying and delaying as we provided more and more requested documents and information. Once this was finished, underwriters decided that the borrower was never making enough money for this loan. Now the last request from underwriters is to have the borrower pay off his primary mortgage in full and increase the loan amount ( undoubtedly to have PNC receive a higher return on this loan ). This payoff amounts to almost {$73000.00}! In addition to close to {$8000.00} in costs incurred for inspections and repairs for a home valued much higher than the short sale amount, they now require another {$73000.00} to be spent before they even consider this loan. None of these requirements were ever pointed out when we initially began this process. On top of all the expenses that we had, because of all the delays that PNC caused, another {$7000.00} in costs must be considered due to the increase in short sale price and court costs. | ||||||
| 05/09/2019 | Yes |
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| Good Afternoon, 3 weeks ago, I filed a fraud report with PNC ( my bank ). There were {$710.00} worth of fraudulent checks cashed, and the money was taken out of my account. This occurred over a span of 2 weeks ; XX/XX/XXXX-XX/XX/XXXX. There were approximately 9 checks, written for various amounts, all totaling {$710.00}. The person whom stole my checkbook, and wrote the bad checks, is my mother. I also followed-up by filing a police report against her, which I have offered my bank as evidence that this matter is being taken seriously. This claim was opened with my bank going on a month ago. I have contacted their fraud investigation team, as well as my investigator, who was working personally on my case ( her name is XXXX ), countless times. I still, to this moment, have not received any contact or correspondence back from anyone working on my case, nor from PNC. I made a call in to PNC today, and I spoke with a standard Representative, who told me my fraud claim was denied because the signiture has been consistent since XX/XX/XXXX. Apparently, my mother had also stole and written a bad check in XX/XX/XXXX, and because of this, they are saying its consistent. I was in the hospital, and incompetent, from XX/XX/XXXX to XX/XX/XXXX ( in which I have paperwork to prove ). I did not know my Mother was stealing and writing bad checks. I have been banking with PNC for 8 years now. It is their job to protect my money, as they advertise safety, security, and guarantee reimbursement of all funds if they confirm fraud on your account. What PNC is practically saying, is that since there has been this same handwriting in XX/XX/XXXX, that its excusable. This is absurd. Again, I have been with PNC for 8 years. I write, authorize and sign 1 check a month, and that is to my landlord. There is clearly suspicious activity, as there has been {$710.00} in checks cashed. Ive never done such a thing. Also, I had ALL of my checks cancelled. Why would I have all the checks *I* paid for cancelled if this wasnt genuinely fraud? I would appreciate PNC seeing that there is clearly check fraud, reimbursing my money in the amount of {$710.00}, and offering additional protection, as again, I choose PNC to protect my money. | ||||||
| 02/21/2023 | Yes |
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| My issue is When My mortgage company helped last I did not have enough in my savings, at the time I was rebuilding and finally getting back on track, I have been at same job which I've been at over 18 years after the COVID-19 pandemic which affected me. During covid-19 I was also medically diagnosed with XXXX and XXXX, but I kept working as much as I could trying to make a way.The first mortgage payment of the modification was due 4 days after they did the modification and notified me was final in XXXX of XXXX which I complain to them about that.!, They then gave me a forbearance until XX/XX/XXXX and told me I can fill out another hardship application. The modification was under the federal program, FHA COVID-19 modification. When they did this my mortgage was raised to a higher amount. The reason they stated was the higher interest rate they gave me and escrow shortage which I was not aware of has taken effect as well. My old interest rate was 3.75 % then it went to 5.5 % on top of the so-called escrow shortage. This caused my mortgage to go up over {$310.00} a month And the old total balance of the loan went back to where I almost started 14 plus years ago since they added money back on the back end after doing the modification..., so I had to readjust again. During this time to the present Ive Been paying what I could from my job and took out money from my 401k several times under The terms hardship withdrawal which I owe taxes for. My 401k is depleted now. This is the reason why I'm not too far behind currently. As of right now I'm working with Michigan mihalf program. To get delinquent amounts current, wish they have promised to get me current after providing all documentation. but I still have the high interest rate, that doesn't make sense.. This interest rate has made my mortgage over {$310.00} difference.. I have been in my home since XXXX, and this is the highest I ever paid. Don't understand why I got hit with a high interest rate during COVID-19 when I'm trying to get things together and it was supposed to be a COVID-19 modification program provided by FHA which is supposed to help through the federal government. Michigan, XXXX program told me contact you.. I am a single full-time dad. | ||||||
| 08/10/2022 | Yes |
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| I am a student in XXXX XXXX, from XXXX. I was contacted by friend XXXX XXXX XXXX on XXXX of XX/XX/2022, that he has a potential client in the XXXX who can only send you money via the Cashiers Check and not wire him directly. As i live in the XXXX, i offered to cash the check on his behalf and send him the money. A few days later, the client of my friend who went by the name, XXXX XXXX, contacted me saying that i will be receiving the check via mail in a few days. When i received the check, it was more than the amount that my friend had decided. The scammer, XXXX XXXX, told me that the extra amount needs to be paid to his supervisor so he can release the drawings for his house which he had been mentioning before. The decided fees with my friend was XXXX, but XXXX additional was sent. Then an accounting officer contacted me who said how to deposit the check in the XXXX XXXX, but the XXXX XXXX didnt allow to deposit the check. Then i was sent another check, which was of an even bigger amount, which was XXXX and i was asked to transfer XXXX to different accounts, leaving me with XXXX USD which was supposed to be a part of my friends working fees. Just when i transferred the amounts, something clicked with my friend and he said its a scam. But it was too late, the funds were available and the funds were transferred. We tried contacting the PNC bank immediately when the funds were transferred, so we can do something about it. PNC bank assured us that the checks were cleared and there was nothing to worry about. The checks were deposited in person, and the checks were still not caught by the cashier if they were fake or not. They were still cashed, the funds were made available and then i am being held liable for so much money because banks have a stupid law to make the funds available. The securities officer from PNC told that they wouldnt help us in anyway and we are liable to pay the amount to PNC which is in their policy but theres no mentions of scams like this, or even when the accounts are opened. The bank operator called the checks were clear and that there was nothing to worry about. How are banks not ready for this. on top of that PNC would deny to help us or even listen to us. | ||||||
| 09/16/2020 | Yes |
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| I was buying a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ON XXXX XXXX, XXXX XXXX : XXXX After contacting the Salesman XXXX XXXX by phone to know the availability of the tractor We started doing the paperwork by email which was the electronic bill of sale. What I signed after paying my {$1000.00} deposit with my debit card and waited for at least 5 to 10 business days for the paperwork to be done and to process the payment. I was communicating with XXXX XXXX by XXXX during all paperwork ( Bill of sale ) On XXXX XX/XX/XXXX I got an email by XXXX telling me my truck is ready and they just need the remaining balance. They sent me all the baking info for the Wire Transfer. On XXXX XX/XX/XXXX at XXXX I made a transfer of {$14000.00} at the branch of PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The Agent in PNC asked me why the bill of sale address is different from the bank address? Finlay we decided to put the bill of sale address in the bank account address. also the transfer was about to be clear in the beneficiary account on XX/XX/XXXX The next morning I got a call from XXXX XXXX saying my truck is ready. How would I make my payment? 5 min while fitting the confusion with XXXX XXXX, I called PNC BANK Wire Transfer department to cancel the transaction on XXXX XX/XX/XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX I called PNC BANK more than 7 times to know the status of my transfer. Finally on XX/XX/XXXX they sent me a letter saying the receiver Bank says we have to contact the beneficiary and as a PNC they can't help me to get my money back. PNC BANK. As a customer of the PNC Bank, my bank must work with me on any banking transaction while banking with them. After 19hrs of the transfer I request the transfer to get cancel and a 9 business day of the clearance of money in the beneficiary account : I do have 99 % clear to get my money back My bank didn't help me at all. I wish Could now from A-Z how the wire transfer works or how to track it by a tracking number and knowing where it is delivered. XXXX XXXX XXXX XXXX, I don't see how a scam can be able to use the company 's email address without their concern. that is really really regretful for me as a customers ... | ||||||
| 12/28/2022 | Yes |
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| I was solicited by my bank over and over for a XXXX loan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only qualified per my taxes and letters the representative ( over the phone ) told me to send in based on all income I received. I was reluctant but the reason assured me if I used the loan for the approved reasons it would be forgiven. I took the loan which was about {$5500.00}. I kept calling about XXXX forgiveness paperwork as the window was closing for forgiveness. PNC never sent anything BUT did call me back a few days before the forgiveness period deadline was supposed to end and sent a link and told me to apply online for forgiveness. I accessed the portal to find I had no access to providing information for forgiveness. PNC had already set the site up where applying for forgiveness was not an option. I called the representative back to discuss and find out what happened. He said they made a mistake and I would have to complete the link and pay the loan back. I went into a PNC branch to dispute they were no help. I asked for information of the person over XXXX loans for PNC they would not provide that information. My taxes clearly show my XXXX XXXX on my taxes which is how PNC determined the amount of my loan. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PNC misrepresented this loan. They did not know what they were doing. They should not have solicited, qualified me and granted me a XXXX IF I didnt qualify. I would not have taken this loan IF I was going to have to pay it back. To make matters worse, they have been auto debiting my business account for over a year now. This is bad business practices and they should be reported to professional regulations. I did nothing wrong here but I am being punished. This has created an even further financial hardship during these difficult pandemic times. There were several different loan reps from PNC when they were constantly emailing and calling me to offer me the XXXX loan. Its obvious this was something new and the representatives were not properly trained or understood the programs and were only operating from the standpoint of the bank benefiting from these governmental programs. | ||||||
| 12/06/2022 | Yes |
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| I have been having serious ongoing issues with PNCs method of accounting of my mortgage account. PNC Bank is not transparent. PNC has been using a technique of fancy math accounting in order to take my money. On XX/XX/XXXX, I received a response email from PNC representative, XXXX XXXX. I asked for the negative escrow balance. He stated that my negative balance is {$8100.00}. This balance is incorrect. I then received this dismissive response Great! I will be putting together the letter and have it reviewed to be submitted to the CFPB. The regulatory due date for this submission is XX/XX/XXXX, if the review is not complete by then regulatory allows an additional 45 days. Once it is complete it will be uploaded for you to review. Based on my calculated math, I owe PNC Bank a total of {$5000.00}. Total Negative Escrow balance ( created by inept PNC and confirmed by PNC in prior email ( {$9500.00} - Total Escrow Shortage ( and credits ) Paid and On AMs Account Negative Balance Remaining ( {$4400.00} = {$5000.00} ( negative balance remaining ). Short Summary Of Ongoing Problems/Issues With PNC Bank PNC Bank neglected my escrow account. As a result of this PNC Bank hurriedly paid my XXXX XXXX quarter property taxes in the amount of {$8000.00}. PNC paid this amount in order not to lose its security interest in my property. On XXXX, XX/XX/XXXX, I received a delinquent tax notice from the XXXX XXXX XXXX XXXX XXXX Collector stating delinquency for taxes and late charges in the amount of {$1700.00}. On XX/XX/XXXX, as email instructed by PNC, I started to pay {$200.00} ( escrow shortage ) of which I paid {$200.00} for XXXX months ( XX/XX/XXXX to XX/XX/XXXX ). In XXXX of XXXX, I received an email from XXXX XXXX of PNC Bank with two options of repayment of escrow shortage : {$200.00} or {$180.00}. I choose {$180.00} as the impact caused on my finances because of PNCs negligence was and is causing me deep distress. I started escrow shortage payment of {$180.00} on XX/XX/XXXX ( see email confirmation from XXXX XXXX at PNC Bank. I have paid {$180.00} to PNC Bank every month. Can you help? I can not get a straight answer out of them. I need to pay off balance and get rid of this bank. Thanks. | ||||||
| 02/08/2019 | Yes |
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| On XX/XX/XXXX or XX/XX/2019, I attempted to open a savings account with PNC Bank N.A . As part of the open account process, I was asked to make a deposit into the account from another banking institution. The deposit date was XX/XX/XXXX. When my account was approved, I received a letter welcoming me and was asked to sign a document and mail back to them, which I did on XX/XX/XXXX. I was then out of state for 3 weeks on business from XX/XX/XXXX to XX/XX/XXXX and was not able to access my mail. PNC did call me once during this time, but I was unable to take the call as I was busy and asked them to call me back at a later time, which they never did. It turns out that the account number that was entered by PNC Bank was not the correct account number ( it was missing a digit ) which resulted in the deposit being returned and PNC bank charging the new account a penalty of {$12.00}. PNC then closed the account due to the negative balance. The account was closed on XX/XX/2019. When I returned, I checked my mail and found a statement from the bank which I didn't understand as well as the returned check. On XX/XX/2019 I called PNC bank to find out what was happening and they informed me that the account had been closed due to a negative balance because the deposit was returned and that I owe them the balance of {$11.00} ( {$12.00} - {$0.00} interest on the initial {$100.00} ). I spoke to their escalation department and informed them of the situation and they told me nothing can be done because 30 days have elapsed since then and I'm now responsible for paying them {$12.00}. I was also told that the account could not be reopened and I was more than welcome to open a new account once the balance was paid in full. I do not think I should be liable for the {$12.00} on the basis that they did not enter the correct account number which resulted in the returned deposit. At the time that I made the initial deposit, no conditions were established as at the time, it was not known if the account would have even been approved. All conditions are provided in the welcome letter that came at a later date. I don't want this balance to affect my credit rating and history due to their error. Please Help? | ||||||
| 06/21/2022 | Yes |
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| I have an Agricultural Line Of Credit with PNC Bank that was opened on XXXX. The Line Of Credit renews on an annual basis. At the time of commencement of the loan, the Disbursement Request and Authorization form stated that the annual renewal fee was to be {$100.00} ( Figure A ). The annual renewal is conditioned upon payment of the annual fee ( Paid for by Cash ). PNC is currently in the process of phasing out its Agricultural lending business. When I was made aware of this, I decided to refinance with a local bank close to our Farm. I received a payoff letter for the PNC loan on XX/XX/XXXX in which they disclosed that we owed annual fees of {$870.00} for 5 unknown years for each year ( Figure B ). The payoff letter does not designate which years the {$870.00} is associated with. We called PNC on several occasions and discussed the annual fees charges with the Loan Officer, Local Branch Manager and the PNC complaint department. Our first question was to ask when the change was made to the annual fee from the original agreement of {$100.00} to {$870.00}. PNC has not been able to provide any documentation that we were ever notified of the change, and more importantly, that we agreed in writing to the annual fee change. PNC effectively unilaterally modified the agreement without notice to us. The only document PNC has provided is a copy of a Renewal Letter dated XXXX that states : " This renewal is conditioned upon your payment of the annual fee of {$870.00} ''. I worked closely with the 3 or 4 PNC Loan Officers that were assigned to our account, over 9 years, and the annual renewal of the Line Of Credit was renewed each year, without a cash payment for the annual renewal fee, except XXXX and XXXX, see below. Going forward each year after renewal, we continued using the Line Of Credit. The only communication I received from the current loan officer, at the time, was that the Line Of Credit was renewed and we could keep drawing the funds finance our cattle inventory. My records show that we paid {$250.00} on XXXX and {$300.00} on XXXX, for annual fees. I also have an email from one of my Loan Officers dated XXXX stating he was looking into reducing the annual fee from {$300.00} ( Figure C ). | ||||||
| 07/08/2023 | Yes |
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| I purchased foreign currency ( including euros and XXXX XXXX ) from PNC Bank prior to my overseas vacation 3 weeks ago. Their website clearly states that " And when you return with excess currency, PNC can buy it back for immediate XXXX. dollars. '' There are not caveats, disclaimers, or limits listed. On my return to the XXXX, on XX/XX/XXXX, I brought my excess currency to PNC, and the teller immediately exchanged the XXXX euro note for {$5.00} XXXX, but when she processed the XXXX XXXX, she and a supervisor read that it had to be sent in first, before I would receive the XXXX equivalent of {$21.00} USD, and that it may take a couple days. A couple of days later, I received a call from PNC stating that they have a {$100.00} USD minimum buyback amount for XXXX XXXX, and they are unable to buy my note back. I spoke with the PNC XXXX XXXX, XXXX, at the XXXX PNC, and she filed a complaint for me. The next day, XX/XX/XXXX, I received a phone call regarding this complaint. The PNC woman told me essentially that because the department who handles currency exchange has a {$100.00} limit, the matter is settled. I advised her that their website currently says PNC buys back foreign currency ( with no disclaimers ). She kept looking for outs for PNC, and mistakenly referenced their foreign check cashing policy which does have caveats. I told her that 1 ) I am a PNC customer ( not a stranger on the street who found some foreign cash lying around ) 2 ) I purchased the very same denomination FROM PNC just 3 weeks ago and 3 ) PNC charges me both to receive the foreign currency, as well as cashing it back in, so I'm not sure why they are acting like they are taking a loss by issuing me {$21.00}, and 4 ) there is NO listed minimum buyback limits listed ANYWHERE. The tellers at the branch I turned it in to didn't even know about these limits. Very dishonest. As is the website. The woman on the phone told me that XXXX currency isn't a " standard currency, '' for them. Well, they were able to obtain it for me when I requested it, so I'm not sure why they act like it is something they have never encountered. Had I known there was a {$100.00} minimum buyback, I would have spent the rest of the money overseas. | ||||||
| 11/02/2022 | Yes |
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| PNC Bank has my 3Rd stimulus payment of XXXX after my checking account was supposed to be closed due to bankruptcy that I had no choice to file due to identity theft back in XX/XX/2021. I assumed my stimulus check would come to me by hard copy and mailed to my XXXX XXXX XXXX After I had not received my money from the IRS. I decided to call my old bank PNC to see if my money was sent there? Sure enough the customer representative saw that it had posted on XX/XX/2021 for XXXX with no activity on this old checking account after the money posted. I was then transfer to bank operation and told that the money had been posted and sent the direct deposit back to IRS. After many certified letters to the IRS and calls and a visit to PNC bank, I received a notice from the IRS that PNC would not corporate with the IRS. Also, the IRS letter stated that I should contact the PNC bank which I did and now the PNC bank stated that they can't find my money. I stated the name of employee and the date of who I talked to and was told the person no longer works for PNC Bank this was the person that stated that my money was sent back to the IRS. The back called me back and stated that they found my money in an amenity account. Again, they have changed their story stating I took the money out of this supposed close account. The bank can not produce a statement showing where the money was withdraw. After 5 more months this bank has denied me my money that the IRS sent direct deposit to a checking account that should have been closed back in XXXX when I filed for bankruptcy. I believe this is against the law.. These people that work for PNC bank are very vindictive and think this is no big deal.. They will lie, cheat, and steal my money to cover their XXXX. It took pnc bank 5 month to come up with a plan to redact statement for month of XX/XX/2021. Stating i withdrew the money which is a lie and they know this.. I asked to see the footage of me withdrawing the money they wont let me see the footage, furthermore I stated this so called withdraw was impossible due to me being out of town for XXXX in XX/XX/2021 and part of XXXX XXXX this problem is still going on, it will be 1year and 8 months they have kept my money. | ||||||
| 03/17/2019 | Yes |
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| PNC Bank, XXXX, Ohio. XXXX. I have never been late with any payments in the 12 years I have been paying PNC. After trying to refinance with the company and getting an appraisal of over twice the value of my home I was denied. So starting in XX/XX/XXXX after making my monthly payment of {$800.00} XX/XX/XXXX I decided to make a Principle only payment on line XX/XX/XXXX of {$1000.00}. When I looked at my account I noticed they applied only {$470.00} to principle and {$520.00} to interest. I called them and they said they would correct it and that it might be best to mail in the principle payments with a check showing principle only on the check ... well it never happened on there part. I made my monthly payment again XX/XX/XXXX of {$800.00} and mailed in a Principle payment of {$1000.00} on XX/XX/XXXX which I wrote on the check and the statement portion PRINCIPLE ONLY. When I checked my statement again it showed they applied only {$680.00} to principle and XXXX to interest. I was going to give them one more month to get this right so again I paid my monthly payment on XX/XX/XXXX of {$800.00} and another Principle only check mailed in with Principle only wrote on it in the amount of {$1000.00}. This time they applied {$140.00} to principle, {$130.00} to interest and {$720.00} to late fees. I was in shock. I have tried calling them to get this taken care of but get the run around. This makes me wonder what they have been doing to me the first 11 years when I didn't even look at my statements. I have also been trying to get them to let my wife handle this matter since she handles all the bill paying and they always give the run around about having me to authorize her to handle it which I have done dozens of times on the phone. Let me also add that they apply different amounts to the principle with my normal monthly payments. Like XX/XX/XXXX principle was {$220.00} interest was {$570.00}, XX/XX/XXXX, principle was {$1.00}, interest was {$790.00}, XX/XX/XXXX principle was {$390.00}. XXXX and interest was {$400.00}. All of this is so wrong. Please be advised of a CROOKED company. My balance has only gone down in principle since XX/XX/XXXX till now {$2200.00} with them receiving {$5400.00} from me | ||||||
| 05/16/2023 | Yes |
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| This PNC account at was my father 's, who passed away on XX/XX/XXXX. I went to the XXXX XXXX NC branch prior to his death and presented my POA papers to scan/fax to the appropriate department. After his death, I went to the XXXX, NC branch and took his death certificate and paperwork from the attorney and asked what additional paperwork I needed to be listed on the account. They said there was no record of any POA paperwork on the account or my name anywhere on his account. I told them we would be selling the property to pay off the account. They took my paperwork and faxed it to some department ( not sure where? ), and told me to check back in a week. I went back the next week and they said there was no record of my paperwork and they would need to fax it all again. They assured me I had everything I needed and it would get to the right department and to call back in a few weeks. I called back a week before closing and there was still no record of any paperwork or my name on this account. By XX/XX/XXXX, the closing attorney said we could not close because I was not listed as successor on the account. On XX/XX/XXXX I went to the XXXX, NC XXXX branch and again had them fax all of my paperwork in. They sent me over to speak with XXXX XXXX at the XXXX XXXX. XXXX called XXXX XXXX at the XXXX office who was extremely rude and told me that I had not turned in my " successor packet '' and there was no way we would be closing on Monday. This was the first time anyone at PNC informed me of the packet. XXXX was kind enough to print off the packet information and FAX it again to the probate department. XXXX would not let him email it. I went home and contacted the probate department again and XXXX XXXX asked me to email it to her. She asked for my previous marriage licenses. Which took me until Monday XX/XX/XXXX to get. This pushed closing back to the XXXX. I was told I needed a letter from PNC stating the account was frozen so I contacted them on the XXXX asking for that. Probate again told me they had to send a request off to another department but would escalate it. I specifically asked them to email it, however I found out this morning they mailed it instead. This will push closing back again. | ||||||
| 04/10/2018 | Yes |
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| My complaint is with XXXX XXXX XXXX On 4XX/XX/XXXX at XXXX XXXX, I went to the bank to cover my overdraft that came in on XX/XX/XXXX. PNC 's policy is if a check comes in on the day, you have until XXXX XXXX to get the money into your bank account, which as I stated, I made my deposit at XXXX XXXX. When I made my deposit, I was {$0.00} cents overdrawn, however, PNC would be able to get the {$0.00} cents from my checking account as I have overdraft protection. When I looked at my balance, it stated I was ONLY {$0.00} overdrawn and I also called on the telephone to check my balance at XXXX XXXX, the telephone banker reported that I was {$0.00} overdrawn. Again, they could pull the {$0.00} from my OD protection account. As far as I could tell, my account was OK. Today, XX/XX/XXXX, when I checked my balance, and to my surprise, I am charged with a OD charge of {$36.00}. There was no indication that anything else was pending in my account. If so, I would have put that money into my account to avoid an OD charge. That is why I was at the bank last night to avoid an OD charge, however, this morning, my account is showing a {$35.00} amount that was not showing last night. PNC does this all the time. Why is it that that XXXX was not showing up when I went to the bank last night at XXXX XXXX. This bank does things like this all the time. Apparently, this amount must have came from my debit card. Again, had that XXXX been pending last night at XXXX XXXX, I would have paid that too. I had the money to put in the bank, however, again, my account was ONLY {$0.00} overdrawn. PNC is a bank that likes to take fees. I would like to have my XXXX because last night, I satisfied my account and anything else that showed up, showed up on the next day, because again, last night, I was ONLY {$0.00} OVERDRAWN and as far as I know, the bank should not charge you an overdraft fee for less than {$1.00}. I have my PNC deposit receipt from XX/XX/XXXX at XXXX XXXX and again, it does not state any {$35.00} charge, had it, I would have put that in my account. Again, I would like PNC to return my {$36.00}, as they hid the {$35.00}. Again, the {$35.00} did not show as outstanding in my checking account last night. | ||||||
| 12/19/2022 | Yes |
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| End of XXXX of XXXX I went to my bank PNC in XXXX PA. I told them that I was going to be late on my next payment due XX/XX/XXXX. They asked if I ever filed for hardship I said no. He went to look at my account. I had been paying double on my account for years and this was my first late payment. He came back and. Said you dont owe anything youre all paid up. I said are you sure he said yes if you are concerned call us a few days before your due date and check again. I called before my due date and he said yes it says you havent owed a payment for sometime now. So I didnt pay another payment. I started working again and was so busy I never thought to call about the mortgage release. But I didnt pay another payment. I never heard from them again until mid XXXX and they were very quiet. They said your balloon is 90 days past due and I said my mortgage is paid off you told me it was paid off its over 5 years later and I havent made a payment why would you wait this long to call if I owed you anything? I told them to send the papers to Texas where is was currently working. And I waited. They never sent me anything but during that call they asked me when I would be returning home to PA and I told them by the first quarter. Next thing I get is a picture from my friend down the street of my house with a for sale sign in front. I checked the courts in XX/XX/XXXX and they foreclosed on my home while I was away. Thats why they asked how long Id be gone. They stole my house from me with almost 50 years of my belongings inside they didnt even secure my belongings. They told me they threw them all away. They never served me or posted anything on the door, as I had someone going by. They had been sending me XXXX balance statements for those five years. I have not been able to get an attorney to return my calls. Its been a long time that I have been displaced and mourning this entire gut wrenching experience. The contents of my life have been thrown away. Even on the court docs it is obvious that I wasnt served. They didnt even talk to me about it. If I had known how much it was that I owed i could have paid it but they didnt give me that option. I dont know what to do or how to get anyone to help me. | ||||||
| 12/05/2019 | Yes |
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| 1 ) The mortgage servicer PNC Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX XXXX was approved for a trial modification in XX/XX/XXXX. XXXX XXXX completed the required 3 trail payment and signed final Modification agreement on XX/XX/XXXX. PNC Mortgage refused to accept the signed and notified trial agreement because of alleged error. PNC Mortgage then proceeded to return file to foreclosure status and continue to contact an auction of Mr. XXXX residence. 2 ) PNC Mortgage also has denied and rejected any and all mortgage assistance applications since the date of XX/XX/XXXX, citing that Mr. XXXX could not receive assistance because he has exceeded his mortgage assistance attempts. However, PNC mortgage has not provided an evidence of such agreement between PNC Mortgage as servicer or owner of note. Although documentation has been requested multiple times by me. 3 ) PNC Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 4 ) PNC Mortgage has not applied, or improperly applied payments made during trial period of approved modification. 5 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and PNC Mortgage representatives stated that file would be reviewed for mortgage assistance programs ; however instead a sale date was entered into the system for XX/XX/XXXX. 6 ) PNC removed the above sale date due to a ratified contract to sale my home. However, said contract fell through. A new application for homeowners assistance was submitted to PNC Mortgage on XX/XX/XXXX. 7 ) PNC Mortgage did not review application instead PNC Mortgage ignored submission and entered a new sale date of XX/XX/XXXX. 8 ) In addition, PNC Mortgage violated the SCRA Act when this process started several years ago, as I was still XXXX XXXX in the XXXX XXXX as XXXX XXXX XXXX. | ||||||
| 10/03/2019 | Yes |
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| I opened a PNC Virtual Wallet with Performance Select account and funded the account on XX/XX/2019. PNC was running a promotional offer at the time where depositing {$5000.00} and peforming 10 debit card transaction would result in a {$300.00} bonus. The bonus was meant to be payed out 60-90 days after all conditions were met. On XX/XX/2019 after meeting all requirements I contacted PNC through secure message and asked them about when the bonus would post to my account. On the same day PNC responded saying funds would post in 60 days and to give them some more time. On XX/XX/2019 I contacted them asking for the bonus. Again, I was told to wait a little more time for the bonus to post to my account. On XX/XX/2019 I contacted them asking about the bonus. Now I was told the {$5000.00} deposit I had made does not qualify as it was not a direct deposit of the type they were expecting. At this point in time my money had been tied up with PNC for an extended period of time and PNC had committed fraud - stringing me along for months when they should have made their terms clear back on XX/XX/XXXX. They had access to my funds for half a year. I contacted PNC letting them know this was unacceptable and they brought in their retail escalation department. I had several conversations with a representative ( 'XXXX ' ). After reviewing my case the representative stated that PNC was going to pay the bonus despite not meeting their direct deposit requirement. Some paperwork had to be completed and she would get back to me in a couple of days. XXXX never contacted me again. I left several voicemails asking her to call me back and never received a callback. Finally months later I contact the retail escalation department and a different representative said he would look into the issue. His response after investigation was PNC was not going to pay out the bonus they had promised. PNC seems to have conveniently forgotten the conversation I had with XXXX. Additionally all my secure message correspondence showing PNC fraudulent behavior stringing me along for months has been deleted from my secure message account. Luckily I had the foresight to save the correspondence. I have attached it below. | ||||||
| 10/17/2023 | Yes |
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| In mid XXXX we were notified by our county that our taxes hadn't been satisfied. I made multiple attempts over multiple weeks to get this rectified with PNC. Finally on XX/XX/XXXX PNC confirmed that payment was mailed. Please note, this took well over a month and a half to resolve. A week prior to resolution, I requested they close our Escrow account so I could manage and pay this on my own due to my concerns in their failure to pay time and rectify the situation timely. On XX/XX/, I finally received the paperwork to cancel escrow and was shocked to find that they required a payment from me of {$520.00} which is .25 % of my escrow balance. I questioned if this could be legitimate and the rep stated it was a " national '' type fee that all companies would charge for doing this. Working for a credit union myself, I inquired with our department and they stated that they had never heard of that and they had never charged that. XX/XX/XXXX I requested a disclosure of this as our mortgage wasn't signed with PNC but PNC did buy our mortgage from our previous lender, XXXX. Whether it's a fee that PNC CAN charge, it's very much a junk fee and is absolutely unnecessary. If this was a basic savings account ( which it ultimately is ), I shouldn't have to be charged an absurd fee ( $ XXXX ) to retain funds that are ours to pay bills for our mortgage that PNC has proved they couldn't handle doing timely. Their errors and my distrust in them is the only reason I requested to close this in the first place. As of today, I don't have a copy of the disclosure/fee statement I requested. In reviewing our mortgage statement, I am seeing that they disclose " CFPB 2nd Servicing File in 6 months of {$250.00} ; Escrow Deletion : .25 % of Unpaid Principal Balance ; They charge {$15.00} for " priority service '' and various other fees and state they are " subject to change without notice, subject to applicable laws. '' I am located in Wisconsin so would be curious if this is a fee even permissible in Wisconsin. Even if it's not " against the law '' to charge a fee, does not mean that they SHOULD charge a fee and this directly aligns with CFPB 's publications and working towards removing junk fees. | ||||||
| 02/09/2023 | Yes |
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| We have done our banking at National City Bank then ( Name Change to PNC Bank ) for more than 20 years. We choose to close our safe deposit box in XX/XX/XXXX as we were planning to move out of state. We went into to local branch of PNC Bank ( XXXX Illinois XXXX. XXXX, XXXX, IL ) at the end of XX/XX/XXXX and retrieved all of our belongs from our safe deposit box, signed the papers with the teller closing the box and returned the key to the teller. I asked when we would get a refund for the unused time, and she indicated you do not get a refund. I did not agree but choose to move forward and not escalate the matter. Then in XXXX I received a notice indicating on XX/XX/XXXX I will be charge for a renewal ( letter dated XX/XX/XXXX ). I called on XX/XX/XXXX the number on the letter as instructed if any questions and talked to a XXXX. She indicated there was no record of closing the box. After a discussion the matter was escalated, and I was advised a different person would call me back about the situation. On XX/XX/XXXX a different person called me to discuss the matter. She took down information and advised she would call me back the next day after she talked to the branch. Today ( 1 week later ) she called back and indicated nobody in the branch would answer the phone until now ( yes, I said no one would answer the phone at a Bank during normal business hours ) but has now talked to the branch and the box is still open. I need to prove it was closed and send her that information. I could not believe I had to prove I do not have a key to the box and show papers that the bank never gave me, or they will charge my checking account. I do not feel the burden of proof is on me, when I have already done everything in XXXX I was supposed to do. The burden of proof is on the bank to prove they have an agreement that has not been cancelled. We signed the signature forms the day we closed it and signed the same forms on that day indicating the box would be closed. I would feel it is against the law for a business to bill more than customer for the same box. As I closed the box and they want me to pay and I feel they have re-rented the box to someone else, this would be against the law. | ||||||
| 09/18/2018 | Yes |
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Web | Servicemember |
| It all started with an overdraft onXX/XX/XXXX of {$30.00}. At the time I wasn't aware of the low funds in my account and didn't even realize that I had overdrafted my account. Later that day, I purchased some groceries and it amounted to roughly {$50.00}. The next day, I was hit with 4 overdraft fees, I was not notified of this in any way : no email, no call, nothing. There was also a pending charge from a purchase that I had made earlier that week that had disappeared from my virtual wallet account and popped back up on XX/XX/XXXX, and that hit my account with another 2 overdraft fees. It wasn't until XX/XX/XXXX that I was made aware of my overdrafts via email, on this same day I had accumulated another 3 overdraft fees. I made a call to PNC and explained that I had never been notified for the overdrafts ( also the disappearing pending charge on my virtual wallet, this would make the second time that I have been charged multiple overdraft fees for a pending charge that disappeared, then reappeared. I was never notified of those overdrafts either ), and that I wanted to speak to a XXXX about having the fees frozen, that way I could pay them before they piled up too high once I received my next paycheck. I was told to leave my phone and social security number with the representative and that a XXXX would call me back within the hour. I never received a call, so I called back the following day and was told that the fees would be stopped so I could pay them. PNC continued to hit my account with DAILY FEES even after telling me that the fees would be stopped. My account had daily overdraft fees charged to it from XX/XX/XXXX to XX/XX/XXXX on the day of my direct deposit from my job. A total of {$470.00} was deducted from my account virtually financially crippling me for this month. I knew calling PNC was not worth the frustration due to the fact of them continuously ignoring me and giving me the run around on this situation. After my second encounter with the problem of disappearing pending charges and not being notified of overdrafts, I became so displeased with PNC and how the situation was handled ( their lack of customer service ) that I had no choice but to make a complaint. | ||||||
| 02/19/2020 | Yes |
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| I have a conventional mortgage with PNC Bank, taken out in XX/XX/XXXX for a new home purchase in Maryland ( XXXX County ). I have been servicing this loan and have remained current on all my obligations to date, without a single delayed payment. Following significant investment in the property and general value appreciation, and taking into account independent expert advice I received, I came to the conclusion that I had achieved lower than 80 % LTV in XX/XX/XXXX. I have filed a request to delete the PMI in XX/XX/XXXX. PNC took a long time to respond to me and they finally ( after a number of follow ups ) sent me a letter dated XX/XX/XXXX, detailing the processes that I would need to go through to delete the PMI. As required, I sent PNC a check to pay for the cost of an appraisal. The appraisal took a while to schedule and finally the appraiser contacted us and we scheduled it for Friday XXXX XX/XX/XXXX. Then, after a number of follow ups across a number of days, PNC wrote a letter dated XX/XX/XXXX ( which I received first week of XXXX ), indicating that the appraisal value for the property was {$630000.00} ( without sharing the appraisal report ) and that I needed to reduce my balance to {$500000.00} to delete PMI. As per their instruction, I immediately processed a principal reduction and reduced the outstanding balance of the loan to XXXX on XX/XX/XXXX, and contacted PNC Bank as indicated on their letter to let them know, so that they can delete the PMI. I still have not received the appraisal report and don't have a view whether this assessment is valid. I can not contest it without having the report. XXXX County 's ( Maryland ) tax assessment as of XX/XX/XXXX for the property is {$650000.00}. The PNC Bank appraisal value is below this. As of today, I have contacted PNC Bank four times between XX/XX/XXXX and today regarding the deletion of the PMI, having complied with every request and investor requirement. I still have not received confirmation on PMI deletion. Although I have made a principal reduction, I am still incurring PMI. I believe this is unacceptable behavior and felt obliged to report this to the CFPB. I look forward to hearing your views. | ||||||
| 06/13/2016 | Yes |
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| On XXXX XXXX, 2016, I opened a PNC Virtual Wallet account pursuant to PNC 's promotion of a {$300.00} bonus for meeting these requirements within 60 days : 1 ) establish a direct deposit totaling {$5000.00} per month ; and 2 ) make an online bill payment. I satisfied these requirements by establishing a $ XXXX monthly direct deposit on XXXX XXXX, and making a bill payment on XXXX XXXX. After 90 days, the bonus had still not posted to my account. After considerable run-around by PNC via its " Secure Message Center, '' with no explanation as to why the bonus still had not posted, escalation representative XXXX XXXX informed me that her escalation manager had concluded ( without informing me ) that the bonus had not posted because I had not made debit card transactions. She admitted that was NOT part of the promotion applicable to my account. She said she would look into this further, and communicate with me by telephone. I reiterated, as I had emphasized to her escalation manager, that I prefer communication by email or PNC 's Secure Message Center. She said those options are not possible, despite the fact that communication to date about my dispute had in fact been via email and the PNC 's Secure Message Center. She said electronic communication is not " secure '' enough. Surprised, I asked, " so PNC 's Secure Message Center is not actually secure? '' All she could say was escalation reps are not allowed to communicate in writing. PNC clearly does not want any written record of the errors it is making on my account and false promises it makes to consumers, and it continues to drag its feet on posting the promotional bonus that indisputably applies. This appears to be PNC 's pattern and practice, and PNC appears to be waiting for me to submit a complaint to the CFPB before correcting my account. Thank goodness for CFPB and its Complaint Portal, but PNC should not get to evade scrutiny by simply correcting their errors once individual consumers complain. This foot-dragging practice allows the bank to hold consumers ' money and profit from the interest " float, '' when the funds should already be in consumer 's accounts, earning interest for the consumer, not PNC. Please help. | ||||||
| 11/09/2022 | Yes |
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| TURN OF EVENTS 1. I receive an email from XXXX XXXX ( XXXX ) to XXXX his son XXXX on XX/XX/2022, XXXX XXXX 2. This followed a further conversation on the email as has been provided. He said that he wanted to pay an advance for 12 sessions which would have amounted to {$420.00}, because I charge {$35.00} an hour. 3. On XX/XX/2022 he emailed me that his attorney had sent a cheque to of the value {$1900.00}. He claimed that it was a mistake and the excess amount was meant for his nanny XXXX XXXX. 4. I received the cheque via XXXX on XX/XX/2022. I tried to deposit it online via the PNC mobile app but the transaction did not occur. He said that his son was ill and he required the amount. So I sent out XXXX XXXX transactions to the id XXXX XXXX. One was for {$1500.00} and another was for {$420.00}. I had done this payment completely using my money since the cheque wasnt even deposited at that time. 5. I deposited the Cheque on XX/XX/2022 and it showed on my account that the money was credited. 6. I received a second cheque on XX/XX/2022 via XXXX It got deposited on XX/XX/2022 and it showed on my account that the money was credited. 7. He once again asked me transfer the entire money to him. This time I sent out 2 XXXX payments and one XXXX payment only when it showed that the money was credited to my account. XXXX XXXX payment was to XXXX XXXX for {$500.00} on the id XXXX and the other XXXX payment was to XXXX XXXX for {$420.00} on the id XXXX. 8. The first cheque got rejected on XX/XX/2022. 9. The second cheque got rejected on XX/XX/2022. 10. I received a third XXXX mail on XX/XX/2022. 11. I was contacted via two phone numbers, XXXX and XXXX. THINGS THAT HAVE HAPPENED REGARDING THIS 1. I had filed a dispute for all the XXXX and XXXX transactions. 2. There might be a time discrepancy because transactions are first shown to be pending and then they get posted. 3. PNC Bank has completely frozen all my accounts even though I told them I didnt know that the cheque that I had received were fraudulent. 4.I do not have any money currently because the bank didn't even give me access to my salary for the month of XXXX that was credited to the account days after the issue. | ||||||
| 04/13/2023 | Yes |
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Web | Servicemember |
| I opened my account with PNC Bank on XX/XX/XXXX for my small business. I made a deposit on the day I opened it and everything was fine. I received a call on XX/XX/XXXX from the branch manager stating that there was a problem with my account because they could not verify my address. I provided them with a copy of financial statements and government issured identification showing my address but they did refused to accept that my address was valid. My account remained open and they said they I had to close it. I did not want to close my account and told them if they wanted the account closed, they were going to have to close it as we already signed the banking agreement. I made deposits on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX which were accepted by PNC Bank. I also made payments to vendors on XX/XX/XXXX and XX/XX/XXXX which were paid through online Bill Pay through PNC Bank which they processed. On XX/XX/XXXX a hold was placed on my account and all of my funds were made unavailable. I reached out to the PNC Bank on XX/XX/XXXX and XX/XX/XXXX and was told they put a hold on my account and would not process any transactions going forward unless I provided a signed copy of my lease showing my physical address. Which I believe is an over-reach. My business is registered with the Arizona Corporation Commision. All my documents filed with them list the same address which is listed on my PNC Account. I have provided a copy of my State Issued Travel ID Approved drivers license which also lists the same address as the one listed on my PNC Bank Account. I have sufficiently provided proof or residency required by their banking guidelines. They are clearly discriminating against me based on their own frivilous notions. No notice was mailed to me indicating they were going to place a hold on my account. No call was made indicating at my funds were going to be held. No email was received indicating my funds/account were going to be suspended. PNC Bank has caused an unwarranted interruption to my business because of an ignorant belief that my address is not valid. I was told by PNC Bank that they would release my funds if I close my account. I do not want to close my account. | ||||||
| 10/14/2023 | Yes |
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| I opened a " virtual checking account '' with PNC Bank because I figured like every other financial institution these days, brick and mortar or otherwise their virtual account would come with a virtual card. I deposited my paycheck {$750.00} with PNC Bank and the date it gave me it would be posted would be the XXXX. When I realized they PNC Bank no virtual card on their " virtual account '' I messaged PNC Bank to bring up to them that every aspect down to the name of the account type was incredibly misleading. I had been directed to them from a paid blog claiming they had a deposit bonus ( disappeared after opening account ). I go to check my balance on PNC 's site the XXXX and there is only {$.00} cents in my account. I had made no other transactions with the exception of my deposit. I messaged a second time inquiring about where all the funds had gone and why my account has a balance, but not a correct one. PNC customer service claimed that my deposit was on hold to make sure the funds were going to clear .... With the XXXX XXXX XXXX check I deposited. I confirmed with her that really was their claim and she being told again it was too make sure it cleared I asked why there was XXXX XXXX in my account. She didn't have a response. The midst information I was able to drag out of PNC was when I asked if that XXXX was from the deposit I was told yes. I asked how that was possible if they had to wait for it to clear and inquired about why she was being dishonest with me. She ended the chat on me. Not only was PNC incredibly rude and smug in dealing with me, blatantly misleading and lied to me directly that's not even the most surprising thing. That would be the fact it's now it is the XXXX without the rest of my paycheck becoming available or out any answers to my incredibly valid questions. I hope my experience can save someone else the terrible and frustration of dealing with these scam artists dressed up like a financial institution, because now I have extra charges on my rent and other bills for being late on them and the amount for that keeps going up the longer they have my money I worked for in imagination land. I would love to be reimbursed for the late fees I'm | ||||||
| 06/26/2023 | Yes |
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| On XX/XX/XXXX I opened an online banking account with PNC Bank. I established an External Transfer agreement with another financial institution. I received trial deposits, and activated my online External Transfer agreement between PNC Bank and my other account on XX/XX/XXXX. I received an email verifying the PNC XXXX Account being enabled with this other bank. On the XXXX a significant amount of funds were electronically removed from my joint money market account. For the next few days I went online to see when these funds would show up to fund my/our new savings account. I called PNC on XX/XX/XXXX, and was told I was on a recorded line. The PNC representative told me the transaction with this other bank, was not processed. When I told this rep the money was taken, but not credited, he told me to call back on Monday and speak with the " Exceptions Desk ''. I called PNC on Monday XX/XX/XXXX. I spent a long time on the phone, but never found out where, or why, our money was not in our PNC account? I called PNC again on the XXXX of XXXX. During this conversation with a different PNC rep I was informed that our account had an " External Transfer Suspension '' placed on it. I was given no explanation why. I asked how my wife and I could correct whatever the problem was? I was informed that my wife and I would need to present ourselves to a brick and mortar PNC Bank, and provide proof of identity. So on XX/XX/XXXX my wife and I drove over XXXX hours to a PNC in XXXX, MA. We met with a PNC rep named XXXX XXXX, whose title is a Solutions Consultant. Our drivers licenses and a second form of ID was recorded on a PNC computer operated by XXXX, as we sat in his office. XXXX assured us that whatever the problem was will be resolved by Monday. I called PNC on Monday XX/XX/XXXX and spoke with another XXXX At the end of the call I had no better sense why PNC was holding my families funds, and not applying them to my unfunded account. Along the way I would receive emails encouraging me to fund our new account. As of today my wife and I have no idea why PNC deprived us of a month 's worth of interest, at 4.5 %, and refused to apply our funds to our account. Please advise and assist. | ||||||
| 08/27/2023 | Yes |
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| As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. I reached out to PNC Bank in the beginning of the Pandemic to let them know that my consulting contract was terminated for events scheduled for over a year due to the Pandemic Lockdowns. All Convention Centers Cancelled Events. I have Lates Reporting Throughout XXXX, XXXX, XXXX, XXXX Also. The Company Denied me assistance during the pandemic numerous times, but they seem to have reported to the CFPB in prior Complaint that they aided me with numerous forbearances and even supplied me assistance from XXXX. Which none of this was ever given to me during my Financial Crisis in the Pandemic. I had XXXX on XXXX occassions due to my children and mandatory quarantines. I was denied assistance during those time periods as well. Cares act gave the Creditor the Opportunity to Modify the Loan and Provide Assistance. The Creditor didnt do that. The Creditor also failed to Remedy Fraud which was found in my loan documents ( Payment was inflated almost {$200.00} after the automobile was delivered to my home ). I have submitted all documents in credit disputes with XXXX. XXXX and XXXX providing documents and Police and FTC reports confirming XXXX and XXXX. In addition to that was the Late Payments Reported During the Pandemic when I notified them Early XX/XX/XXXX and Continued to call and update my status being affected by the pandemic and they CONTINUED to not provide Assistance and Mark the Lates on my credit when I had no income and was on lockdown during the pandemic and my consulting events were cancelled well over a year which the creditor was made aware of numerous times. PNC Bank did not follow the laws Provided by the Pandemics Cares Act During the Covid-19 Pandemic. Calls can be subpoenaed where I repeatedly reported they were not compliant with the cares act during the Pandemic. | ||||||
| 03/12/2021 | Yes |
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| Excessive, recurring returned item fees were charged on numerous transactions never authorized and disputed via PNCs ACH process. My personal checking account ending in XXXX is currently in a negative standing and overdrawn by {$400.00}. The account is facing charge off due to the banks negligence and failure to do their lack of due dilligence. As a result, insufficient fund fees were charged ( {$36.00} per transaction ) on the following dates for my checking account ending in XXXX : XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$96.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for insurance transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$100.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for USPS Online transaction XX/XX/21 USPS Online PO Box {$34.00} ( unauthorized debit, never initialized ; typically paid in person to a clerk ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, subscription never authorized, contested and disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$60.00} ( unauthorized debit, disputed via PNC ACH process, contacted XXXX ) I personally requested stop payments for XXXX XXXX and XXXX ; however, wrongful payments were authorized without my consent. Furthermore, I filed multiple ACH dispute claims with PNC and have not received any sort of response from the bank or opportunity to provide supporting documentation after the claims were filed. The account ( XXXX ) was written off as charge off without an investigation being conducted. The bank didnt do any sort of do diligence to ensure that I wasnt at fault or gave me the opportunity to provide documentation to support my claim. | ||||||
| 10/28/2023 | Yes |
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| I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the US Post Office informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. When I contacted XXXX and XXXXXXXX XXXX, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ). It's very good to know that a financial institution that bears the XXXX logo does not back their customers as the XXXX XXXX XXXX ensures. When your financial information is compromised without your knowing and funds are transferred via cash transfer services, the CUSTOMER should be the one at the forefront and provided with peace of mind that their TRUSTED financial institution will do the right thing and refund the STOLEN money back to their account. This has been going on OVER 1 DAMN YEAR and this XXXX bank continues to drag something out that could have been resolved in XX/XX/2022 when I spoke with the representative the first XXXX time. | ||||||
| 05/05/2023 | Yes |
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| XXXX XXXX held my primary mortgage, PNC holds my HELOC. I was widowed on XXXX of XXXX and became a single parent of my XXXX old daughter. In XXXX, I was laid off due to COvid. In XXXX, I became severely XXXX and had to get my toe cut off. I was unable to stand for over 6 months and denied unemployment or workers comp inorder to keep my health insurance and have my medical bills paid. During all of this, for the past 4 years, I have constantly, consistently and purposefully remained in close contact with both XXXX & PNC to request Mortage Forebearance and Mortgage Modification. I have begged them to settle with me for a discounted payoff. Over the 3 years, I have placed more than 50 phone calls and completed their forms and sustained constance abuse of both entities asking me to resubmit, stating they never received the applications, something was missing that they needed but they never told me. In late XXXX, after being blindsided with foreclosure papers from PNC ( while I had been calling them weekly to learn if they'd accept a loan modification ), I was referred to Illinois Housing Assistance. I have submitted an application for financial yet they say they have reachecd out and need info from XXXX XXXX. XXXX XXXX says they never received IHAF request. Conveniently, XXXX XXXX has just sold my loan to XXXX and they say they haven't received any request from IHAF. However, everyday when I call IHAF to see if they can award me some support, they claim neither of the 3 creditors have responded and they will not accept the information from me. I have over 75 contact dates, phone numbers, case numbers. I have now just received a letter dated XX/XX/XXXX that the new loan agent of the XXXX XXXX Mortgage, will begin foreclosure proceedings in 33 days from today. I can not explain the discrimination and abuse I have endured in trying to make ends meet and to not default by staying in constant contact and providing every single notice of doctors appointments, and medical records. I have dates, records and the best news it, both XXXX and PNC have taken all calls from me and my advocate on recorded lines which you can obtain for proof of my hardship and pleadings to them. | ||||||
| 04/04/2018 | Yes |
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| I've financed a car with PNC Bank for 5 years now. This year the car was scheduled to be paid off. Being in XXXX Florida I was affected by Hurricane Irma in XX/XX/XXXX. PNC Bank and FEMA partnered together on a program to offer their clients within the specified disaster area a way to assist them with any hardships the Hurricane may have caused. I was enrolled in this program which included a 2 month extension to assist me during this time. I do not recall filling out any documentation for this program, and I could imagine there was a good amount of people who were affected. After I made the next payment that was due on XX/XX/XXXX, I was told by one of the service reps at the bank in XX/XX/XXXX that I qualified for an additional 2 month extension. I was offered a 1 month extension by the service rep at PNC Bank. Then she mentioned that I actually qualify for another 2 month extension and if I wanted to enroll. I accepted her offer for the XX/XX/XXXX and XX/XX/XXXX extensions. At this point I thought the bank was going above and beyond to assist me and provide extra support. I was never told by the rep that their offer to me was not approved and that there was a chance it being rejected. I did not make my XX/XX/XXXX and XX/XX/XXXX monthly payments due to the fact that I was being offered the two month extension. On XX/XX/XXXX I heard a loud noise outside my window of my condo and there was a tow truck repo taking my car. I wasn't given any call prior to this explaining the Bank made an error with providing the extensions to me and if I was able to make the XX/XX/XXXX and XX/XX/XXXX payment. I was told by the bank after the fact that I didn't qualify for the 2 month extension because I was over my payment extension limit for the life of the finance. But I did still qualify for a 1 month extension. This mistake on the Bank 's part should have not resulted in the repo of my car. If I was given the right information or notice about this I would have made the payment so that the bank wouldn't have taken my car. I was told after the fact the bank sent out a denial letter. During the month of XX/XX/XXXX I moved to a new place and never received the letter in the mail. | ||||||
| 11/21/2022 | Yes |
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Web | Older American |
| My XXXX BVVA credit accounts were acquired by PNC Bank XXXX XXXX yrs ago. PNC raised my account credit limits by several XXXX initially. It reduced the card with the lesser limit, about a yr ago. I'm writing about my avccount ending in XXXX. Until 2 days ago it had a limit of {$18000.00}. PNC 's computer systems are poor and caused several problems that required multiple very long and involved calls to resolve. Once most of the system glitches were corrected I began to use that card for bill payment. One of the glitches that never gets fixed is the sites inability to recognize my id and password, for more than 2 sign ons. This makes it unavailable, for quick reliable use On XX/XX/XXXX, i received a text questioning 2 new purchases, on my cred account. The message said I should call PNC. I called PNC and told them that the larger one for XXXX was correct. But the {$1.00} for a charity was incorrect. I asked the representative how to best go through securing the account and avoiding changing the autopayments. Either their rep didn't understand me or i her, but there was quite a lot of contridiction between what she said and what she needed to read, when it came to disclosures. She tried to transfer me to the security section, but the call was dropped. On XX/XX/XXXX, I received notice that my credit line was dropped from {$18000.00} to {$6500.00}, the current amount of my outstanding balance. PNC 's action generated a lot of credit warnings, since my usage went from 30 % to 90 %, in one day. I will be reducing the balance to reduce the abrupt reduction in the line and increase in XXXX % I'm very concerned that PNC 's unilateral action w/o notioce may reduce my credit score and increase the cost of credit to me I could have called PNC and asked them to raise the limit to where it was, directly. But, too many of my prior experiences ended so badly, I didn't want to waste my time. Instead, i thought it better to place a note of this event, on your records, I'm requesting that someone in your office investigate why my line was reduced and help me avoid any harm done to my credit due to PNC 's action Kindly confirm your receipt of this note and request Thank you | ||||||
| 04/01/2019 | Yes |
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| PNC is manipulating payment transaction dates so that they can unfairly charge excessive overdraft fees to their customers. On XX/XX/2018, my account had a balance on {$21.00}, I used my debit card for a purchase amount of {$7.00} which would have brought my account balance to {$14.00}. On XX/XX/2018, XXXX XXXX extracted {$44.00} from my bank account which would have overdrawn the account as I thought the debit was coming out of my XXXX XXXX XXXX account and did not realize it was scheduled to pull from PNC. Once I realized the error, I deposited funds on the following business day to cover the transactions. The {$7.00} transaction did not post until the 7th and the {$44.00} transaction did not post until the 10th so funds were in my account at the time the transactions posted. When you review my account history the only transactions that overdrafted the account are he fees that PNC charged. However, PNC decided to manipulate the postings and reduced my available balance with the XXXX debit before the {$7.00} transaction which was from the XXXX at XXXX XXXX and charged me overdraft fees for both, when in reality, funds were available when both cleared, and the funds were available for the first transaction when it was pending and posted. I called PNC multiple times to try and come to a reasonable agreement for the excessive fees that were unfairly charged. Each time ended with me being hung up when I insisted on holding to speak with a supervisor. PNCs website is flooded with advertisements about how they can help with achieving your financial and investment strategies. Im struggling to understand with how manipulating payment postings to charge excessive overdraft fees to someone who is obviously struggling financially is helping someone financially? Also, how customer service assists by hanging up and then mailing my correspondence to my old address which is my parents house and was updated years ago? Unfortunately, Im basically helpless as I am one customer that is being stomped on by a large bank. I file this complaint in hopes that regulators will step in and make this behavior illegal so that more customers are not taken advantage of. | ||||||
| 02/11/2022 | Yes |
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| Hello Everyone, I am an international student at XXXX XXXX, XXXX. I want to bring up an incident that happened to me last month. On XXXX XX/XX/2022, a fraudulent money withdrawal transaction was done from my PNC Bank Account. The cash withdrawal slip made the withdrawal. At that time, I wasn't in XXXX ; I was in XXXX, Minnesota. There are no PNC Banks in Minnesota. The debit card was with me all the time when I was there. The day before the fraud, {$900.00} was deposited into my bank account. When I got the notification of the withdrawal, I immediately called customer support ; The representative told me that the signature on the withdrawal slip didn't match the signature associated with the account. And she also said that there is a policy in PNC that before taking out withdrawal, at least two ID verification proof is needed. The customer support asked me to wait for at least 1.5 months to 3 months. After returning to XXXX, I visited the bank for help ; the manager said that she couldn't do anything and asked me to wait for the period that customer support told me. Right now, I am only left with {$260.00} in my account, and my loan amount will not come to me until XX/XX/2022. I did a police complaint today, i.e., XXXX XX/XX/2022, about the same, and reported to the bank ; the manager again asked me to wait for the time frame and said we couldn't do anything for the complaint. Also, she told me that the affidavit was sent to my mailbox, and I didn't respond, so they closed the incident. However, I have never received any testimony. The incident number for my case is XXXX. And today on XXXX XX/XX/2022, again a fraud transaction was done by someone to pay a discover card payment of {$1700.00}. I also reported a police complaint about the same today i.e. XXXX XX/XX/2022. I don't know what is happening with my account. I am a student and this is my loan amount. Right now the current balance of my account is- {$1400.00}. I am really very stressed by this. I am not able to concentrate on my studies also as almost {$2700.00} is not a small amount for me. I have to pay my bills and I have to get groceries to eat food. Please help me with the same. | ||||||
| 01/05/2017 | Yes |
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| Late in XXXX, my wife and I lost a rental property in foreclosure. There was a Home Equity Line on the property as well with PNC Bank. I contacted them and they asked me to continue making payments on their loan, as it was the first Trust Deed that foreclosed on the property. We kept making payments on time for almost 5 years. Then out of nowhere, I received a statement from PNC Bank that they had written off the loan and would no longer accept payments. It took a few days for me to be able to reach someone at their company, and they told me that they may not have had the " right '' to collect the payments after the foreclosure at all so they wrote off the debt. I received a cancellation of debt notice from them and they then reported a charge off on my credit. So now after almost 5 years of paying on time, I have a new negative report on my account because they thought I should n't have had to pay in the first place. What I would like to have happen is : 1. The negative reporting should be dated the date of the 1st TD foreclosure ( which was in late XXXX ), so my credit is n't negatively impacted for 7 more years from the arbitrary date PNC decided to write off the debt - XXXX of XXXX. This has already created a hardship for me in that I tried recently to refinance my home and was denied because of this negative reporting. This is for both my wife and myself. 2. If PNC was n't allowed to legally collect the debt in the first place, then they should refund the 5 years of payments we made after the 1st TD foreclosed. The payments were {$500.00} per month, and over 5 years this equals over {$30000.00}. 3. There should be some kind of penalty involved for PNC for the arbitrary nature in what they did. I recognize that a foreclosure is not a good thing, but there are certain amounts of time where this is intended to negatively impact a person 's credit. Because of how they handled this, my credit has been impacted not just for the 7 years an item like this remains on a person 's credit, but for an additional 5 years because they are reporting it in XXXX instead of XXXX. This is really unfair in that I paid their monthly payments just like they asked me to. | ||||||
| 05/27/2016 | Yes |
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Web | Older American |
| I receive a Proposed Modification to my mortgage and contract XXXX on XXXX XXXX, XXXX. Reviewing the documents I question the, at best misleading and at worst deceptive, nature of the disclosures accompanying the contract. First of all, XXXX XXXX of the accompanying explanation is missing. I notified my contact with my mortgager by phone and requested the first page be emailed to me, and as of this date, that has not been done. I have followed up with an email and am awaiting a reply. Based upon the Exhibit # XXXX and the Contract itself, there are several points that are misleading. Lacking the specifics from page XXXX, I turned to Exhibit XXXX ( attached, as is the contract itself ) for clarification. According to the Proposed Modifications column ( right side ), I will be paying 3.5 % interest initially, then I will pay 3.625 % interest ; Exhibit # XXXX does not clarify when that will go into effect. However, the contract contains a table that explains that the first rate will apply for the first 60 months, and the higher rate will apply for the remaining 237 months of the contract. Here the proposal is vague, although there is room on the right to add the 5-year/60-month notation. Additionally on the left, there is no indication of what the current completion date is, and the XXXX on the right implies that the mortgage will be a shorter term loan. However, it is clear that 11 months have been added to the current completion date XXXX XXXX XXXX/XXXX/XXXX. Additionally, although the contract clearly states that I am agreeing to repay {$400000.00}, the Exhibit implies in the right column that there has been a principle reduction to {$350000.00} ; not that that is the actual amount due after paying down the principle for 5 years. Furthermore, the {$00.00} balances under penalties and charges on the right imply that those have been forgiven, not that they will be paid off within the first 5 years of the proposed modifications. Additionally, nowhere in the paperwork I have received have I been credited with the {$2600.00} payments I have made in the last 3 months, nor has any indication been made as to how the funds impacted the amount currently owed. | ||||||
| 11/20/2019 | Yes |
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| On XX/XX/XXXX I paid the balance on my mortgage. On XX/XX/XXXX I received a letter from PNC congratulating me for paying my loan in full. The letter indicated that they were preparing documents to send to my county to release the lien on my property. On XX/XX/XXXX I received a check from my home owner 's policy for a covered loss. I didn't realize that PNC was also listed as a payee and deposited the check into my account with another institution. On XX/XX/XXXX I receive the check back from my bank indicating it couldn't be processed. On XX/XX/XXXX I went to PNC to have the check signed off on so I could deposit it. They would not sign off on the check, but requested an " exception ''. On XX/XX/XXXX I was notified by PNC that they could not sign off on the check because my mortgage was closed and I needed to contact the insurance company. I contacted the insurance company and was informed that I needed to get the lien release letter from PNC before they could reissue the check to just me. I contacted PNC again on XX/XX/XXXX and was told they couldn't help me. I asked to speak to a supervisor. On XX/XX/XXXX my insurance agent informed me that not only hadn't PNC sent a Lien Release notification to my insurance company, they also hadn't sent notification to the county I live in. So I have had a lien on my home for approximately 15 months after I paid off the mortgage. On XX/XX/XXXX I called PNC mortgage department again since I never received the return call I requested on XX/XX/XXXX. I was passed around to a few different people. I was finally told to contact the Lien Release Department and leave a message, which I did on : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I never received a return call from any of those messages. On XX/XX/XXXX at approximately XXXX I went to a local branch of PNC to try to get someone to assist me with this situation since no one was returning my calls. I spoke to customer service and to a supervisor, but there still isn't any resolution. I still have a check I can't deposit or use from my insurance company AND I still have a lien on my home despite multiple attempts on my part to resolve this with PNC. | ||||||
| 10/22/2020 | Yes |
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| Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to PNC, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. In my end the past six-months payment history goes like this : th 1. XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} * th 6. XX/XX/XXXX, $ XXXX * Payment made at PNC bank cashier. ** Payment made by bank transfer. The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with PNC credit department representative XXXX XXXX ) | ||||||
| 02/06/2017 | Yes |
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| i deposited XXXX dollars in CASH in the account on Saturday XX/XX/XXXX at XXXX at XXXX MD XXXX The ATM machine took the money and printed out a slip but it said incomplete transaction No funds appeared on the account I called immediately and they told me that they see the deposit but there seems to be an error but it will be sorted I told them that I DO NOT HAVE THE MONEY to WAIT for 10 days because I need the money for my BILLS and my GROCERIES I have an infant at home who needs MILK I deposited CASH not a check They said it will be resolved soon Monday morning I asked my wife to call on behalf of me she is an authorized person on the account She has an account with PNC as well, she recommended PNC to me She has called on behalf of me several times Today when she called after 25 minutes the rep told her they can see it they dont know what happened My wife explained we need the cash but transferred to an incredibly rude woman named XXXX XXXX who said we dont know who we are talking to to my wife although we gave her all the information and I have authorized on the account She then was rudely refusing to help us and provoking us because we are already upset that PNC took cash telling me come to the bank I DO NOT HAVE THE CASH TO COME TO THE BANK I could not go to work today because I do not have the cash I just want my cash back XXXX put us on hold for 50 minutes and changed the subject from THE MONEY PNC TOOK to my identity being questionable I called again and spoke to a man named XXXX who avoided giving me his name and after 10 minutes he did the same thing. The bank keeps telling me this is the prosedure when a dispute is filed. I work day and night to earn money and feed my family. I deposited CASH. am i supposed to tell my infant that she cant have formula because pnc has a prosedure? the service my wife and I for from the bank is appaling. I think they probably think we are poor people so we dont deserve to be treated with respect. I earn every penny I get. My wife is pregnant and in school while taking care of the baby because we are working to make a better life for our family. It maybe a small amount for pnc but that was grocery money for us. | ||||||
| 01/02/2017 | Yes |
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| I took out a loan from PNC for school which my parents co-signed for. When I graduated I thought the PNC loan was transferred to XXXX with the rest of my student loans since I had not received a letter about interest or payments since I took out the loan. Sometime shortly before I graduated my parents went into bankruptcy. The other loan they co-signed for still sent letters about interest, explaining why they could no longer ask for payments and informing me that the loan was now in forbearance. No such letter came from PNC. Two years after graduating I got a postcard ad from PNC about having an account with them. This was the first time they had contacted me since I took out the loan. I called the bank to ask about the loan. They told me that there was no loan on file for me so I figured it was closed. XX/XX/XXXX my parents finished with their bankruptcy. Shortly after, PNC sent a letter to my parents that I now owed {$5000.00} more than what I took out since it had been occurring interest. I called the bank and they told me the loan was actually {$8000.00} more than the original amount and that they were not allowed to send letter since my parents were in bankruptcy. I explained I called and asked about the loan, which they said there was no record of, and that they had been sending letters about interest since I took out the loan. The phone number and address on file were both current with my parents so all letters should have been send to them. They are religious about getting my mail to me. I asked for a list of dates the letters were sent and the addresses. I was assured I would get this information but it never came. I even got a lawyer to send a letter but the bank refuses to help. I pay my loans on time and paid the interest on the other loan that was in forbearance. I have even paid off XXXX loans early. I would have paid the interest on this loan to prevent the {$8000.00} increase. I understand I owe the bank for the original amount and I will gladly pay it, but I would not owe {$8000.00} more if the bank had sent proper statements before my parents went into bankruptcy and had not told me the I did not have a loan with them when I called. | ||||||
| 01/27/2021 | Yes |
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| I'm mainly writing this to serve as a warning for others, as based on several calls with the bank they are not willing to do anything about it. I would like to preface this by saying that I have been a customer of PNC Bank for 10+ years and have had zero issues up until this point, so I was surprised with how this situation was handled. On XX/XX/2020 I made a deposit for {$100.00} to XXXX as a new user to take advantage of one of their promotions. There was nothing when I was entering my payment info on the website to make me feel as though this would be treated any differently from the hundreds of prior transactions I've made with a credit card in the past. On XX/XX/2020 I was hit with a {$10.00} " Finance Charge '' and on XX/XX/2020 I was hit with at {$1.00} " Minimum Interest Charge ''. On my next statement but also on XX/XX/2020 I was credited {$1.00} and {$0.00} in two separate transactions. I didn't notice any of this activity until after I paid the statement balance. When I viewed my FICO score, it had dropped around 20 points. Apparently what happened was the {$100.00} had been processed as a " Cash Advance '', triggering the fees. My fiance made the same transaction on her new account on the same day for the same amount, using a XXXX card. Her transaction processed as a normal credit card transaction, so no fees. Her mother made the same transaction on her new account on the same day for the same amount, using a MasterCard. Her transaction was also processed as a cash advance, but a quick call to customer service waived the fees. I called the PNC Bank credit card customer service and spoke to a manager. They declined to refund the fees because the " transaction was valid ''. It was processed as a cash advance because of some properties of the transaction that aren't visible to me but are handled by the merchant/VISA. A " Cash Advance '' is a distinct financial service that I did not request but that I unwittingly got, along with the fees and a hit to my FICO score. Also, it's strange that different financial institutions handle the transactions and customer service differently, despite the same information from the merchant. | ||||||
| 09/02/2018 | Yes |
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| On XX/XX/2018, I went to the XXXX, NC XXXX XXXX ATM, which charges no fees, to withdraw money. I used it twice, and was told by a gentleman that I needed to request a receipt, or the ATM wouldnt issue money. As always lately I request receipt from any ATM I use due to various issues with banks, and credit unions in the past. My second time using the ATM, I requested {$40.00}, but the machine gave me {$80.00}, so when I got home I checked my account online to find the withdrawal did take out {$80.00}, instead of {$40.00} I requested, but saw two fees totaling {$6.00}, for the ATM use by PNC Bank. Its federally illegal for banks, and credit unions to do this for an outside of network ATM to double charge, and in this case the ATM charges no fees, which means they have agreements with all banks, and credit unions to not charge fees! Please investigate this, along with my other complaints about XXXX XXXX, and PNC Bank back in XX/XX/XXXX-XX/XX/2018, because I only received {$60.00} back from XXXX XXXX for an old canceled account, and no money back from being overcharged for my service in XXXX, and in XX/XX/2018 my cellular phone was turned of, now both devices do not work at all, nor my old XXXX XXXX XXXX XXXX XXXX, in which under prepaid the customer owns the devices that are free, but XXXX XXXX states they have a right to turn of equipment if service isnt kept for six months. Also, PNC has charged me overdraft fees from these XXXX XXXX transactions, before their 5 day grace period starts for me to even be able to put monies in their bank to stop fees, even when I do I still get lied to, and charged, which messes up my banking, and monies on hand! PNC Bank owes customers for the early overdraft fees, and should be brought up on EEOC charges, because it makes the customers credit with Bank terrible, and for possible employment reasons PNC Bank uses this tactic to not hire! XX/XX/2018, I have a interview call from EEOC coming up, and please send this information to them, to be used in cases I previously filed with XXXX, FTC, CFPB, EEOC, OIG, OSC, and DOJ.gov, and include me on any court case proceedings? Thank you! From : Mr. XXXX. XXXX. XXXX XXXX. | ||||||
| 11/18/2020 | Yes |
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Web | Servicemember |
| I have email alerts with PNC to let me know if my account balance is below {$100.00} or if my account has become overdrawn. I logged into my account on XX/XX/20 after XXXX and saw that it was overdrawn - {$430.00}. I immediately transferred {$450.00} via XXXX to satisfy the overdrawn balance. I finally received an email notification from PNC advising of the overdrawn balance at XXXX, which is a full hour after I completed the transfer so I signed back into my account. The transfer had posted and I was still showing an available balance of {$18.00}. I continued to check my account multiple times during the day and that evening as well to make sure nothing else changed. There were no changes to my available balance in the Online Banking app and there were no additional email notifications received from PNC Bank. The next day, XX/XX/20, I signed into my account to complete another transfer when I was shocked to see that I was overdrawn - {$150.00}, {$100.00} of that being bank fees. I checked my email to see if PNC had made me aware of the overdraft on XX/XX/20, as I have until XXXX to make a deposit to avoid bank fees. The only email correspondence received was dated for XX/XX/20, and was sent at XXXX XXXX advising that my account was overdrawn. A second email was received the same day at XXXX providing me with the exact amount of the overdraft but of course by that time I already knew but didn't understand why. So I waited until they're customer service department opened at XXXX and called. The IVR said that I did not have to wait and would receive a call back within 20 minutes. More than 2 hours passed with no call received so I called again and spoke with XXXX. I advised her of what happened and asked her if I did something wrong and that's why the fees were assessed. She said I had not and could not explain why PNC had not alerted me to the additional transactions prior to assessing the fees. I spoke with two representatives today who identified themselves as managers who both refuse to reimburse for the fees. They just blamed it on the merchant and the last manager told me I would be sent to collections if I didn't pay it within 30 days. | ||||||
| 06/03/2016 | Yes |
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| ON XXXX there was a charge on my account that was not authorized. I attempted to dispute the charge online on the bank site and it would not allow me so I had to call a customer service representative. The XXXX walked me through filing the dispute however, they never told me they were cancelling my bank card and specifically told me to answer NO to the question online through the dispute process. On XXXX I attempted to make a deposit to cover expenses and the card would not allow me to make the deposit through the ATM at the local branch. I called and at no time did they ever inform me that the card was no longer valid. They went ahead and paid XXXX charges which caused the account to become overdrawn. I called again and was told that I should be receiving a card in 3 days. A new card never arrived so I called again. This is now towards the end of XXXX. I finally received a replacement card on XXXX. When I logged in, I discovered that PNC was charging me almost {$200.00} in fees for the overdrawn items which totalled around {$400.00}. I have repeatedly contacted the bank to remove those excessive fees and they refuse to acknowledge any error. I ultimately submitted to the bank that until they correct the error I will not be making a deposit to cover what should be {$470.00}, which is the total of the overdrawn amounts plus {$72.00} in overdraft fees. The charges were less than {$400.00} originally and they are trying to rob me by charging a 50 % fee. This is usurious, fraudulent and I will not pay them another cent until they resolve the problem and acknowledge the poor customer service who never told me they cancelled the card. I work during normal banking hours and can not leave work to visit the branch in person. The ATM card was the only way I could make a deposit. I want the fees removed and I am willing to pay only once for each overdraft item. I no longer use PNC but they continue to harass me for the same after I have repeatedly tol them I will not deposit until they correct the problem. The are now not answering my request and only continue to harass me at work when I have clearly told them not to contact me during my working hours. | ||||||
| 06/24/2023 | Yes |
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| I have a mortgage account with PNC Bank. This is a relatively new account and we had decided to pay the property taxes on our own. The XXXX country never sent us the bill for the taxes and just sent us a notice of delinquent payment which we did pay right away. Now I got a letter in the XXXX mail from PNC reporting that a recent review of the tax records indicated the real estate property taxes are delinquent. They wanted us to provide proof of payment within 30 days. The letter also stated that this is the only notice that we will receive and that if the proof is not received by the bank in 30 days, the bank will establish an escrow account and advance payment, which will include the current amount outstanding and any penalties and interest due, to resolve the delinquency. The escrow account will remain in effect for the life of this loan. Now here it all goes bad. I find this letter threatening and unscrupulous in the fact that PNC has been corresponding with me and sending other emails but sends this notice in mail and puts the burden of presenting the proof squarely on me. I tried to send a copy of the proof of payment via email but it was undeliverable at the provided email address. I tried calling the phone number provided on the letter but no one responds. It only gives a pre-recorded message. I tried calling the regular PNC bank and talked to customer service in mortgage department and she gave me another email address that I should send the proof of payment to. I have sent it again to the newer email as well. From all this, it appears more like the bank is more interested in levying fines and fees from me rather than getting the proof of payment. Also, if the bank can find that I have not paid property taxes then why can they not trust me and collect the information about taxes one more time. The bank makes it certain to tell me that this is the only notice, what if I had not received it in mail, what if the mail had gotten lost, why does the bank not try multiple avenues like email and regular mail. I request that CFPB looks into such predatory practices of PNC bank and protect innocent customers like me. Thanks XXXX XXXX | ||||||
| 05/18/2022 | Yes |
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Web | Older American |
| i wrote a check ( # XXXX ) to my doctors office for {$150.00} and mailed it on XX/XX/XXXX. The sealed envelope was picked up by my mail carrier but never made it to the doctors office. I noticed unusual withdrawal on XX/XX/XXXX, and the check was completely altered made payable to XXXX XXXX for {$1500.00} for back pay in XX/XX/XXXX. The numbers, letters and signature was completely wiped clean and altered by the criminal. The letters, numbers and signature did not match my handwriting, they were completely different. I notified the bank, PNC through the customer service line and they informed me it usually takes 2-3 weeks to resolve this matter. I received the affidavit of Altered Check 1 week later. I had it notarized as instructed by my branch in XXXX and they faxed it back to their offices that handle such matters. They also informed me there is no signature matching within their check processing systems. Not hearing anything, I started calling the bank on XX/XX/XXXX. I was able to reach XXXX XXXX who informed me he couldn't get a hold of me ( with one phone call ) and mailed a letter to my home which I haven't received yet. The purpose of his call was to inform me that he was my case manager. Two months had expired and I have not heard from anyone at PNC at this point. Having been with PNC for more than 6 years with over {$100000.00} in deposits between trust, checking and savings accounts, I was dismayed at the customer service to say the least. On XX/XX/XXXX, after a visit to a different branch, I spoke to XXXX XXXX at the XXXX location. That day, I wrote to the CEO, XXXX XXXX to escalate and try to get responses to the delay and after more than 2 months, I have not received a provisional refund. I was also surprised to learn from the Washington XXXX that criminals are stealing mail from the USPS and altering checks. As I receive almost daily updates from PNC regarding loans, credit cards, online scams, etc., I am extremely disappointed that I have not been alerted by PNC to purchase more secure tamper proof checks and / or ink that can't be altered. PNC has failed in their fiduciary duties to protect my funds in their bank. | ||||||
| 10/31/2019 | Yes |
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| Hello, I have been a PNC Bank customer for over 10 years, maintaining a checking account and a savings account. A few months ago, approximately XX/XX/XXXX, I noticed service charges being deducted from my checking account as my balance went below the {$5000.00} required minimum. Upon further review of my account, I noticed my account went below the minimum starting XX/XX/XXXX, and PNC Bank has been charging {$25.00} a month on my checking account till date. A total of {$370.00}. In fact, the charges resulted in my checking account going down to XXXX balance and PNC started taking funds from my savings account for the monthly service charges. In XX/XX/XXXX, I called PNC customer service to fix the issues and potentially get the bank charges waived. After spending over 30 minutes on the phone with the representative, she told me she did not have the authority to waive the charges and I have to call on monday. She offered to change my account type to stop the bank charges which I agreed to. I called PNC on monday and I got the same response that the charges could not be waived. This was also after being put on hold for another 30 minutes. During the call, I found out the representative I spoke with the previous day was a supervisor and could have processed a fee waiver. On XX/XX/XXXX, I checked my account again and noticed the bank charges were still being deducted from my saving to payoff the charges in my checking account despite my account type being changed to stop the charges. I called customer service to resolve the problem but they hanged up on me. I called PNC again this time to close my account and relationship with PNC. The representative put me on another hold for 30 minutes till they hanged up on me. I called again for the 3rd time on XX/XX/XXXX, only to be told I can not close my account because there are some pending charges on the account. I want to formally file this complaint with the CFPB so PNC can refund the bank charges of {$370.00} or part of it. The bank charges applied to my account were unfair, deceptive, and abusive, especially after my account type was supposed to have been changed so avoid the late charges. | ||||||
| 01/17/2023 | Yes |
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| On XX/XX/2023 I attempted to deposit {$2.00} in cash in an ATM located at a PNC Bank located at XXXX XXXX XXXX XXXX, PA XXXX. The debit card has XXXX and XXXX network icons printed on the card. The debit card was issued by PNC Bank but is branded as a Fidelity Cash Management Account Debit card and I was advised by the issuer to consult the VISA ATM Locator for compatible ATMS, XXXX XXXX XXXX the website and locator indicates that shared cash deposits can be made by Visa cards and I believed that this card was a program participant. Nothing was listed in the card brochure indicating that deposits could not be processed. I also found a PNC Bank ATM since the card was issued by PNC Bank. I deposited {$2.00} and upon selecting an account the machine made some sounds and displayed a circle graphic indicating that it was processing and did not return the {$2.00} to me, instead the machine gave me a receipt for {$0.00} and printed on the receipt transaction can not be processed. Immediately after the incident at the ATM occurred I called Fidelity card services and was told to file a dispute with PNC Bank since there was no deposit activity visible on the card. I visited the branch at XXXX XXXX XXXX XXXX, PA XXXX where the ATM was located on XX/XX/2023 in person to inquire about filing a dispute, a teller informed me that I could make a non-customer complaint and assisted me in doing so, I gave her my contact information, the information on the debit card including card number, and receipts that indicated the failed transaction and was informed that I would be called back by PNC Bank. I am filing this complaint to request assistance in what I would consider a complex problem involving multiple banks and am requesting assistance with having this issue resolved. When calling PNC Bank corporate office, I was not given the chance to file a dispute and had to file a complaint through a teller, who had difficulty finding the information to file a non-customer complaint, since this issue involves multiple banks and an ATM network I feel that I may want more assistance with getting this complaint resolved. Attached are transaction receipts for the ATM. | ||||||
| 03/29/2018 | Yes |
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| This is THIRD complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the XX/XX/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated. | ||||||
| 10/23/2023 | Yes |
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Web | Older American, Servicemember |
| The last time I saw my daughter she refused to return me home until we went to my bank so I could write her a check for {$18000.00} on Monday, XX/XX/2023. She picked me up at XXXX XXXX for a quick breakfast. She dropped me off at home just before XXXX XXXX. I will never again visit with my daughter one on one. My son, took me to the same bank branch Tuesday, XX/XX/2023 to file a stop payment on my daughter 's check. The PNC agent who took my completed " stop payment '' form said {$18000.00} would get re-deposited if my daughter still held the check. We were back home by XXXX XXXX. We later learned my daughter first presented the check the next day, XX/XX/XXXX, at XXXX XXXX. Shortly after XXXX XXXX on Wednesday, XX/XX/2023, XXXX XXXX called my phone announcing a recorded conference call with my daughter, and a PNC agent on the call. In five minutes I was twice asked if I really wanted to stop payment on the XX/XX/XXXX check. I answered " yes stop payment '', both times. My daughter asked me why and I told her she lied about her need for the money because her car ran well. She drove me to breakfast on XX/XX/XXXX in the car she said she could no longer drive for a disabled transmission. PNC NEVER KEPT IT'S STOP PAYMENT WORD!!!. The first time I asked PNC told me my daughter 's actions initiated PNC 's internal investigation that should conclude with a re-deposit. In XX/XX/2023 I closed my old PNC checking account and opened a new one because my daughter had withdrawn {$6000.00} in XXXX without telling me. The second time I asked in mid-XXXX I learned my daughter actually received {$18000.00} and I needed to engage PNC 's customer care center to receive the funds thereafter. We phoned and emailed PNC 's customer care agent daily until Friday, XX/XX/2023 when her supervisor told me I would not receive a re-deposit. PNC branch knew of my daughter 's changed behavior from my changed checking account earlier this year. Can anyone trust PNC with their life 's work represented in their savings and retirement? I believe my daughter worked with someone at PNC to get her criminally fraudulent way. Can my daughter get arrested for this fraud? | ||||||
| 10/06/2015 | Yes |
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Web | Older American |
| On Saturday, XXXX XXXX, 2015, I made an electronic deposit of my paycheck to PNC Bank on XXXX XXXX XXXX, in XXXX XXXX Maryland at around XXXX. I had been told by this bank that if I made a deposit on a weekend, no matter how late it was using the automated teller service, the deposited check/checks would be available by Monday morning and would cover my account. As of XXXX XXXX, 2015, I had approximately, {$240.00} left on my account. I made the deposit of {$730.00} on XXXX XXXX, 2015 which made my total account balance for Monday, {$940.00}. By Tuesday, XXXX XXXX, 2015, I received a notice in my e-mail that I was overdrawn in my account. PNC, deliberately held back the funds until other debit transactions where charged to my account because according to my statement, all the transactions including my deposit were all done on the same day, XXXX XXXX. My check for {$730.00}, had been deposited way before then. Plus, I was charged a double overdraft charge. This is not fair to consumers who have to pay their bills and are trying to do the best they can to manage them. I called PNC bank and I spoke with a Consumer Service Consultant, XXXX XXXX XXXX, who was rude, and kept trying to talk over me when I was trying to explain the issue that I needed help with. I kept asking to her to please let me speak with a Supervisor but she refused to let me and told me that their was nothing that a Supervisor could do to help me. She also refused to refund the overdraft fees and would not listen to any reason. I had explained to XXXX XXXX that I recently had had surgery and was unable to drive. My paycheck did not arrive until Saturday and I had to wait until someone to come and drive me to the bank in order to make the deposit. I had also explained to her that teller at the XXXX XXXX branch had told me that if I make a deposit using the automated system on a weekend, that my deposit would be recognized in my account the very next day, .. and that is the truth! I also have a screen capture of my account transaction from XXXX XXXX, 2015 to XXXX XXXX, 2015 for proof of this issue which I would like to get resolved. Thank you for your patience. | ||||||
| 03/21/2019 | Yes |
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| My wife and I opened a High Yield Savings Account with PNC Bank Account on or about XX/XX/19. As part of this process, we funded the account with all of our savings ( {$150000.00} ). PNC sent out a registration form for us to confirm the opening of the account, which needed to be returned within ( approximately ) 30 days. Due to us moving apartments, the slow redirection of this mail meant that we missed the 30 day period. We called PNC last week Tuesday XX/XX/19 and was informed that our account was closed on XX/XX/19 and a check for {$150000.00} was sent to us at our new/correct address, but was sent with no tracking or any other way of evidencing its sending or receipt.. This check was not received by us and is still missing. We requested to speak to a manager and spoke with XXXX - who told me that she would follow up and contact me the next day. XXXX did not follow up so we called XXXX on XX/XX/19 and left a voicemail to follow up. There was still no call back from XXXX and we called PNC again on Friday XX/XX/19 and spoke with a person named XXXX who said that he would send the message to XXXX and mentioned that I needed to sign a document to stop the check. On XX/XX/19 - We called XXXX again and pressed XXXX due to no answer. We were transferred to XXXX XXXX. XXXX told me that the check was sent and it was outstanding-meaning not cashed. I informed her of the history and that we havent received check. XXXX faxed us the form that requires our signature to stop the check. This form requires us to fully indemnify PNC for all liability related to the check. I am outraged at this. PNC decide to mail a check to a customer for {$150000.00} with no tracking, and the only way that I can stop that check and ever receive my money back is if we indemnify them for what I consider to be a negligent and reckless practice. I was escalated from XXXX to XXXX XXXX who confirmed that the only way I will ever get my money back is if I sign this indemnity, covering all losses associated with PNC 's practice of sending checks of {$150000.00} to consumers with no security or tracking procedures. I am now stuck and do not know what to do. | ||||||
| 01/06/2017 | Yes |
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| I applied for a pnc credit online and was approved with a credit limit of {$1000.00} and cash advance limit if {$100.00}. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer {$3000.00} from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The {$3000.00} transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed XXXX {$36.00} NSF FEES to date because all of my liquid funds were put onto the credit card account that was n't even activated. Again, this credit card was supposed to protect my personal accounts from overdraft but is not because it 's not activated. At this point I do n't even want the card or to continue banking with PNC but in order for me not to receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a {$100.00} cash advance which does n't even cover the fees. Mean while there 's {$3000.00} of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS {$3000.00} of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card. | ||||||
| 04/21/2016 | Yes |
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Web | Older American |
| On XXXX/XXXX/16 I made the last payment on a PNC home eqity line. It was due that day, and although the closing on my house was XXXX, I would have been delinquent if I did not pay by the XXXX. I assumed this would be returned to me on the XXXX at closing. PNC did not post my payment by the XXXX. My wife mistakenly made an additional automatic payment of {$2000.00} of on XXXX. I was told by XXXX XXXX that XXXX refund checks were sent to my home on XXXX and XXXX. They never showed up. I emailed, called him and went into the branch repeatedly about this. I was told by XXXX XXXX that no check had been sent, but the account close out would be processed on XXXX and after 10 business days they would send a check. I asked why 10 days. The answer was " PNC policy. '' A check did arrive and I deposited it on XXXX in my XXXX XXXX account. On XXXX the check was bounced. PNC stopped the check. I do n't know why. They apologize but they can not explain what happened. I 've spoken to XXXX XXXX and he said he would find out why it was stopped, and told me another check had been sent right after they first check had been stopped, which was before I deposited it. I have subsequently spoke with XXXX XXXX ( she seems to be an executive at PNC ) who called me on XXXX to apologize and said she would investigate. She promised a return call to follow up in a day or so. She has not called and has not returned my phone calls for the last two days. The replacement check has been " in the mail '' now for about three weeks. They own me {$5100.00}. There is no dispute about the amount or that it is owned to me. But PNC will not pay. In addition to a lot of time that I feel PNC should compensation me for about {$50.00} in {$49.00} in XXXX XXXX charges associated with an overdraft that PNC caused and a {$12.00} charge to me for the stop payment. In my profession I bill hourly and this is lost billed hours - probably four hours so far. That 's about {$2000.00} at my billing rate. Contact information for persons noted above : XXXX XXXX XXXX Financial Consultant PNC Bank XXXX P XXXX F XXXX C XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 12/15/2020 | Yes |
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| I have a mortgage with PNC Bank on a property that requires flood insurance ( through FEMA 's NFIP ). According to several representatives of PNC, the flood insurance is required by law to be escrowed. Each year the premium is due, there has been issues with it being paid correctly by PNC. The National Flood Insurance Program policy expires on XX/XX/XXXX of each year. I received a letter on XX/XX/2020 ( confirmed by USPS ) from PNC dated XX/XX/2020 stated : " Your flood insurance policy with National Flood Insurance was scheduled to expire a short time ago. Since we did not receive a bill or renewal notice from them, and did not hear back when we tried to contact them, we paid a premium of {$730.00} to ensure your coverage continued. '' I got a letter from FEMA ( dated XX/XX/2020 ) stating that my policy had expired and that the premium had increased to {$740.00}. PNC was very negligent in waiting until the last day of the policy to notify me that they were having issues getting a bill from FEMA. By the time I even got the letter ( over a week later ), the policy had already expired and it was too late for me to do anything to prevent a lapse in coverage ( exposing me to significant risk ). What is also very troubling is that a major institution like PNC claiming they are having issues getting a bill from the NFIP. Surely PNC has numerous other customers with NFIP policies ( since they require these policies to be escrowed ) and should know by now how to get in contact with NFIP and/or to get something as simple as a bill. Ultimately the policy was reinstated but at a lower coverage amount d ue to the partial payment ( {$730.00} vs. {$740.00} ) made by PNC from my escrow account. Fortunately the lower coverage amount is adequate but this could have exposed me to even greater risk if the new coverage amount was significantly lower. This is the second time I have had this issue with PNC ( the first time costing me several hundred dollars ). When I contacted PNC through the phone number listed, the representative was very dismissive of my concerns and did not take any responsibility on PNC 's behalf in regards to their mistake. | ||||||
| 09/22/2023 | Yes |
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Web | Older American |
| XX/XX/XXXX marked the XXXX Anniversary of my wife 's death. I decided it was time to sell 60 acres for property we had acquired together in XXXX to expand our plant nursery. On XX/XX/XXXX the vacant land was listed with a realtor. Within a few days we had several offers and I accepted one on XX/XX/XXXX. The XXXX XXXX XXXX did their research and uncovered a Mortgage Lien filed by XXXX XXXX XXXX XXXX in XXXX with the XXXX ( MI ) XXXX XXXX XXXX XXXX. I was shocked. Any matters related to ownership would have been resolved within 2-3 years after my wife 's passing. I spoke with XXXX XXXX XXXX and was told it was not uncommon and the bank most likely failed to discharge the lien. My online research brought me to PNC with had acquired NationalCity Bank which had merged with XXXX XXXX XXXX. After phoning several departments of PNC and getting nowhere I XXXX them and received an immediate response. I was directed to contact XXXX XXXX ( XXXX ) and was told if they were unresponsive to tweet back and they would escalate the matter. I reached out to XXXX and they opened an secure online portal to resolve the matter. My sense was they shifted the responsibility of proof to me while I complied wasn't it ultimately their responsibility to prove I owed them money? The sale was pending and in jeopardy of not going through so I took action to prove toe the title company that there was no outstanding debt and lien was invalid. They insured the title and the sale was completed XX/XX/XXXX. Unknown to me XXXX had mailed a discharge document to XXXX XXXX on XX/XX/XXXX. When I followed up with XXXX XXXX on XX/XX/XXXX I was told that the document sent by PNC did not fulfill the requirement to discharge the lien and the assignment of rents filed on the same day. I was also advised that even though the title was insured it was in by best interest to see the process through with PNC. I emailed XXXX today stating the current situation and await their reply. Given that I had done all I could and the matter was not resolved I am contacting the CFPB to bring additional weight to the matter. XXXX XXXX identified the Libre 741 Page 317 and Libre 741 Page 323 | ||||||
| 01/02/2020 | Yes |
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| On or about XX/XX/XXXX, I sent a check to PNC Bank bank to pay off part of the balance on my PNC Premier Traveler Visa credit card. The check that I sent was in the amount of {$490.00}. On XX/XX/XXXX my account was erroneously credited with a payment of {$95.00}. At no point have I ever sent a payment in the amount of {$95.00}. And I have confirmed that my check of {$490.00} was deposited by PNC Bank ( I have included a copy of the cancelled check ). They clearly deposited my check, but credited my account with the wrong amount. On XX/XX/XXXX I contacted PNC about the issue of the wrong amount being credited to my account. They opened a case for me ( Reference # XXXX ) and sent it to the Retail Escalation Team. I have since been in contact with this team numerous times including : XX/XX/XXXX - I received a call from the Escalation Team and explained the issue. They said they would try to look up the check internally, but it would be helpful if I could send a copy. On the same day, I faxed a copy of the cancelled check to XXXX XXXX from the Escalation Team. XX/XX/XXXX - I called PNC again to follow up and see if their was a resolution. After spending 1 hour on hold trying to get through to the Escalation team, I gave up. XX/XX/XXXX - I called the Escalation team again. I was told that XXXX XXXX had the fax, but I needed to wait for someone to review/approve it. XX/XX/XXXX - I received a voicemail from XXXX XXXX, but it did not include any information about a resolution to this situation. I attempted to return his call on XX/XX/XXXX, but there was no answer and I left a message. I called again on XX/XX/XXXX and again there was no answer and I left a message. It is now nearly a month since they received my original payment, and they still have not fixed the problem. In the meantime, my credit card bill was due on XX/XX/XXXX and I was forced to pay an additional {$400.00} to make sure they did not start charging me interest. While I understand that occassionally mistakes happen, I have given PNC Bank ample opportunity to fix this issue and they continue to drag their feet while I am out an extra {$400.00} due to their error. | ||||||
| 10/31/2019 | Yes |
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| On XX/XX/19 my on-line in child support information was compromised and money was stolen from my account with my knowledge. I didn't realize the money was taken until XX/XX/19 when I went to use the card and check my balance. XX/XX/19 I filed a dispute with XXXX service and was told the investigation would take 45 to 90 days to resolve. Over the 90 day period I periodically checked on the dispute. At the end of XXXX I recieved a letter stating I wouldn't be getting my funds returned and I need to take the case up with my local law enforcement agency. I initially did that in XXXX, but didn't hear from anyone after I filed the fraud report. So it's XXXX and I'm following up with the original case with the detective who investigated the fraud. I was told that the XXXX lives in Maryland and I would hv to go there to sue them. I hv tired to reach out to PNC bank on several occasions about this issue and there customer who stealing money but can get any help because I'm not a customer with there bank. I do understand what they're saying, but the officer didn't gv me a name of whose account my money was transferred to. He just gave me the state location which is Maryland ( no city ) which by the way I live in Georgia. So now I'm stuck calling different agencies and getting help from Legal Aid and still can't recover my fund. {$1200.00} is a lot of money to me and it's sad that people dont care whether they stilling it from your children or whomever. I can't even let my child money sit and accumulate on his card for him to utilize because of people like this ( who chose to hack accounts and steal money ). But I'm hoping I can get this situation rectified soon cause this is really starting to get to me. If I hv to go to Maryland to sue that person that's what I'm gon na do, but I wish the agencies that handled fraud and the police departments would do there jobs more thoroughly this is ridiculous ... I need my childs money back. If you hv any other suggestion please contact me. I'm going to continue to pursue this until it right. I dispise cheaters, liars, and thieves ... their a the same and should be working for any government agencies. | ||||||
| 03/15/2016 | Yes |
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| Requesting PNC Credit Card to Reverse the Charge-Back of {$7500.00} on Card Ending ... XXXX I was hired as a Purchasing Agent for a Co. called XXXX XXXX XXXX , an online company based in NY in XXXX, 2016. My job was to make purchases for this Co. initially using my credit card and they reimburse me afterwards by making payments on the card from their " supposed '' corporate account with XXXX XXXX. Of course I objected to this proposal and they agreed to first pay off the balance of {$7500.00} on my PNC XXXX XXXX ending with XXXX. My card payment was initiated on XXXX XXXX, 2016 from the XXXX XXXX XXXX ( Routing:XXXX & Acct # : XXXX ) and when I checked the balance online on XXXX XXXX, it was " XXXX ''. Reason for Dispute with PNC Being suspicious of the possibility of the payment being reversed, I waited for almost XXXX week before I proceeded to make the purchases on my PNC Cashbuilder Credit card ending with XXXX which included gift cards from XXXX, XXXX and XXXX. On XXXX XXXX, with the card balance showing zero online, I called the customer service to check with a XXXX who confirmed to me that if the check has not been returned within XXXX hours, the chances are that the payment from XXXX was successful and went through. I checked the account again XXXX. XXXX and it was still XXXX balance. However on XXXX XXXX, when I checked the account balance, it was {$7500.00} ( XXXX + XXXX )! With my XXXX raising, I called CS ( got transferred to dispute dept, then Payment Resolution for more than an hour ) to find out what 's going on. I was told the check was returned ( AFTER 12 DAYS ....! ) So I asked WHY WAS THEIR NO INDICATION ON MY ACCOUNT THAT THE PAYMENT WAS PENDING ALL THESE WHILE SO I COULD HAVE DELAYED OR NOT MAKE THE PURCHASES AT ALL? AND IF THE CARD CO. KNOWS HOW TO ADD " PENDING CHARGES '' TAB TO THE PAGE, WHY COULD N'T THEY HAVE ADDED ( " PENDING PAYMENTS '' TAB ALSO TO ALERT CUSTOMERS? OR HOW ARE WE SUPPOSED TO KNOW IF A PAYMENT DID N'T GO THROUGH BEFORE IT 'S CHARGED BACK TO THE ACCOUNT? This Company turned out to be a scam, I did my due diligence to protect myself and wished that PNC did the same for its cardholder. | ||||||
| 04/11/2018 | Yes |
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| On XX/XX/2018 @ XXXX XXXX I ( XXXX XXXX XXXX ) entered PNC Bank in XXXX, AL to deposit into an account in the name of XXXX XXXX in the amount of {$15000.00} cash to act # XXXX Routing # XXXX This was a favor for my fianc at the time that was in the military and needed money sent. My fianc and I are no longer together but that shouldn't matter. If this account was truely a scam account then where is my money. This entire nightmare has been unbelievable. Later that day I received a phone call from the XXXX, AL branch informing me the account I deposited the money into was being reported to me as a " SCAM '' account and the Assistant Branch Manager at XXXX informed me they were letting me know that they had caught the money before it was lost to the scammers. As soon as they had my {$15000.00} back for me, they would let me know. Since then, there have been so many stories told to me by PNC corporate, different branches, my phone number was even blocked and the worst of all came from a very rude branch Manager from Ohio where the money was actually taken and the account was reported closed. This very rude Manager actually told me the {$15000.00} was now her money to keep since she is the branch manager and I didn't have an account there. I had verified everything prior to depositing the money so I'm not sure what this lady meant. No one 's money should be hers!! I have tried everything to get the money back. There have been so many lies told to me by this company its unbelievable that they are still allowed to be in business. THe worst thing of all is the Branch Manager and Assistant Branch Manager have been going around the small town of XXXX telling people I am part of a " SCAM RING '' ... Really .... there's no such thing ... I XXXX XXXX for the military for over 30 years so how does some very low life individuals get to ruin my name!!!! I want them to be behind bars. I am XXXX with a XXXX XXXX injury XXXX and have had enough of the disgrace!!! I want my money back and stop trashing me.. They even have another bank around here labeled me as a FRAUD!!! REALY!! Please help in resolving this matter. Ive tried for quite a while. | ||||||
| 11/03/2017 | Yes |
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| PNC Bank enrolls members using checks in a service that automatically reorders checks once a certain amount of checks from the previous order are used. I received my last batch of checks at my then current address. In XX/XX/XXXX, I moved to a new address. I subsequently updated my address with PNC. I inquired at the time and was informed that the change of address would apply to all products across the account and there would be no need to make any further changes or updates to my information. In XX/XX/XXXX, I wrote the last check from the previous batch. I stopped into the local branch to inquire about re-orders and was told that a re-order had been placed on XX/XX/XXXX. On XX/XX/XXXX, with no checks arriving, I checked the website, which said no reorder was pending. I then contacted PNC 's customer service, who informed me that no reorder was pending, because checks had been re-ordered inXX/XX/XXXX. Those checks, I was informed, had gone to the previous address, despite changing the address on the account over a year prior. I was told that a letter ( not certified mail ) had been sent to my current address confirming the order. I did not receive a letter. I was also told that it is the bank 's practice not to update the address on check reorders except specifically in reply to that letter. PNC did not track or confirm receipt of the checks issued inXX/XX/XXXX. There are now 100 checks in my name, with my account numbers, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check numbers for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing security risk to the account. PNC was not able to offer any other solutions. PNC 's practice of retaining addresses they know to be outdated for check orders is troubling, as is the failure to provide any sort of verifiable confirmation of reorders or verification that checks mailed are received. Even more troubling is PNC 's inability to mitigate their own negligence with regard to checks that remain active and unaccounted for. | ||||||
| 01/05/2021 | Yes |
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| My fiance, initiated a XXXX transfer in his XXXX XXXX app on Sunday, XX/XX/XXXX. I received a confirmation text message stating I had a XXXX transfer of {$1000.00} available. However, I never received the money. I called my bank, PNC, multiple times to determine where the transfer of fund was as I had never received the money. I did not document these calls. All representatives confirmed my XXXX account with PNC was set up correctly and to give it 10 days. After two weeks, I still had not received the funds. My fiance filed a transaction dispute with XXXX XXXX received a provisional credit while they researched. On XX/XX/XXXX, the credit was removed from his account as XXXX XXXX had determined the funds had been released to PNC. I then went to a branch of PNC ( XXXX XXXX, XXXX, GA XXXX ), twice on XX/XX/XXXX to rectify the issue. I called customer service, and they were no help and said the funds were not pending on my account. I also filed a dispute with the XXXX for PNC and XXXX. My fiance went to a branch of XXXX XXXX where they provided the transaction ID number, trace number, etc. We both went to the PNC branch on XX/XX/XXXX, ( XXXX XXXX, XXXX, GA XXXX ). We finally were able to get a hold of an upper level of triage who promised to research the issue more. On XX/XX/XXXX, I was contacted by PNC again regarding the XXXX complaint I filed. I provided all information, and they promised to research. On XX/XX/XXXX, I was contacted by PNC stating that my fiance had used the incorrect phone number, and the funds were deposited into someone else 's account, and there was nothing else they could do unless we knew where the funds were deposited. My fiance did not use the incorrect phone number. I have documents and screenshots from his bank showing what phone number was used, and it was correct. I also received a confirmation text immediately after he sent the XXXX transfer, so that excuse does not make sense. At this point, I am unsure if some kind of fraud at the banking level or someone used my phone number fraudulently. I am able to provide phone records that I have had the same phone number since XX/XX/XXXX. | ||||||
| 08/19/2018 | Yes |
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| PNC bank loan {$290.00} per month. On Friday XX/XX/2018 I spoke with rep from PNC collection dept.XXXX and made a payment of {$500.00} this left {$270.00} owed for XX/XX/XXXX. I explained to the rep I would try to come up with the money over the weekend but new I would pay that amount on Friday ( meaning XX/XX/2018 ) As I left for work on Thursday XX/XX/XXXX, XXXX pm I was met in my driveway by repo truck and my car was towed away.The earliest I could speak with a PNC rep was XXXX XXXX Friday XXXX. XXXX at PNC received my call and explained I would have to go to local branch and pay cash {$270.00} del. amount owed and a Repo fee of {$400.00}. XXXX was unable to explain the reason the car was repo when 1 month behind so he forwarded my call to a call review line XXXX for XXXX to pull a recording of my conversation with the PNC rep on XX/XX/XXXX. A message was left and I was told I could check back within the hour to see if he had reviewed recording. If arrangements were made my car would be returned to me and fees reimbursed. I called several times thru out day with no answers and no call back from XXXX. After getting a ride to nearest PNC branch 45 min away I pay the {$270.00} + {$400.00} cash to PNC XXXX XXXX XXXX NC and wait for a XXXX XXXX to call PNC Collection # to confirm payment and fax copy of rec.to XXXX. Rec sent XXXX explained 30 min. wait and I could call XXXX XXXX to get car released for pick up at repo lot. I wait then call to have a rude lady state I would now have to pay the current bill {$290.00} due XX/XX/XXXX late after XX/XX/XXXX. I go back to PNC Bank explain to XXXX XXXX what has taken place and now the system is down so he and I both wait to get thru 45 min. later I am told once again I can wait 1 hour to call XXXX to have car released. It is now XXXX Friday XX/XX/XXXX. and I am given Vin # and contact information of where the vehicle is. The storage charge is {$450.00} due at appointment earliest available Monday XX/XX/XXXX at XXXX 2 hours away. No one at PNC can explain why my vehicle was reposed less than a month late and no one has returned my call about reviewing my call on XX/XX/XXXX. Still no car. | ||||||
| 03/03/2017 | Yes |
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| On or around XX/XX/XXXX, I attempted to withdraw {$60.00} ( {$62.00} with ATM fees ) from a small ATM machine inside of a gas station/convenience store. The ATM machine NEVER dispensed the cash that I requested. I disputed this transaction with PNC Bank N.A . TWO times immediately and my claim was denied TWICE by PNC Bank N.A . on or around XX/XX/XXXX and XX/XX/XXXX. In addition, just recently I reported some checks lost or stolen and placed a stop payment on those checks. As a result, PNC Bank placed a red alert on my account in the event that someone attempted to cash one of my personal PNC Bank checks. Sure enough, on XX/XX/XXXX, XXXX gentleman walked into a PNC Bank N.A . in XXXX, Florida ( XXXX XXXX ) with one of my lost or stolen personal checks from my PNC checking account. The PNC Bank teller did not follow proper bank protocol ( she did not compare the signature on the lost or stolen check to my signature that PNC Bank has on file in their computers ) and cashed this lost or stolen PNC Bank personal check of mine despite me not writing and the hand writing/signature was OBVIOUSLY not even close to my handwriting/signature. In addition, the personal check that was erroneously cashed by PMC Bank seemed to be altered and/or manipulated including the date amongst other things on the check. In addition, the Bank teller ( who carelessly cashed this check ) or Branch Manager XXXX XXXX even call me to verify if I had written this check to this unknown person and they even admitted to me that the Bank made ab. PNC Bank has failed and wronged me on several occasions including this occasion and are failing to reimburse me for the XXXX above transactions that I did not authorize or receive any benefit from. I dispute the {$62.00} ATM transaction on XX/XX/XXXX again and was told that I would receive an immediate credit to my PNC Bank checking account on the next business day but I still have not received a credit. In addition, I disputed the lost or stolen check on XX/XX/XXXX that was forged and cashed without my authorization and was told that I would receive an immediate credit the next business day but that NEVER happened AGAIN. | ||||||
| 10/04/2021 | Yes |
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| On XX/XX/XXXX I noticed there were several NSF applied to my PNC checking account. If they had processed them in order there would have been one NSF fee, but instead, they applied NSF fees to 7 transactions, {$36.00} a piece. I called on XX/XX/XXXX and spoke to a " consultant '' and she attempted to credit the money back but the system would not allow her to. The next day I went into my bank account to assess if there were any more NSF fees. That's when I noticed a " Teller Deposit '' for {$340.00}. I called and spoke to another " consultant '' and she told me it was for a child tax credit and it would be removed with the deposit of the child tax credit. I had my complaint escalate and was left an email by a woman ( I will provide the name later ). I tried to contact her and the number she left would just ring and ring and then hang up with no voice mail. On Saturday XX/XX/XXXX, after I had transferred funds and made a mortgage payment, PNC decided to revoke the " Teller Deposit. '' My account showed a negative balance and it's as if the " Teller Deposit '' was never made. However, I took screenshots. No notification and my mortgage has not been deducted yet. So I called the main PNC number on XX/XX/XXXX and the " consultant '' escalated my complaint to another individual in the same department ( Retail Management ). The gentlemen refused to give me his last name, employee ID, or any identifying information. I spoke to him about the " Teller Deposit '' at which point he told me it was a mistake by the teller and I shouldn't have spent the money. At this point, I explained that the teller told me it was for a child tax credit. So he looked at the account and stated it was a " COVID relief '' deposit. I then posed the question that they can just arbitrarily add and take away money without notifying the customer. He told me, " Yes, '' and I proceeded to tell him that this was not legal and he insisted that it was. I have been a customer for over 10 years with PNC and after this, it has left a bad taste in my mouth, and will be searching for another bank to bank with. I have screenshots in XXXX XXXX form for the company to review. | ||||||
| 04/14/2020 | Yes |
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| I called PNC bank at the customer service # XXXX talked wiith XXXX XXXX in XXXX2020 at XXXX XXXX aproximately regarding a payment extension because i'am on an unpaid leave until further notice pending federal, state or county authorization to reopen because of the COVID 19 W.H.O. declared pandemic and US nationally declared emergency and he told me he was transfering me to collections department to resolve the issue, then XXXX answered at XXXX aproximately from the collections department i explained my issue and she told me that i will have a payment term extension and not pay nothing until XXXX2020 and a letter will be sent to me. I received the letter aproximately a week later from the XXXX2020 call and it states that in one of the terms and provisions that i may have a negative effect on my credit. I called immediately at the phone number on the letter which is XXXX when someone i assume a female voice answered ( who didn't give me time to ask her name by the way ) from PNC Bank collections department on XXXX XXXX XXXX XXXX2020 at aproximately XXXX i asked her that if my credit will be affected by this agreement and she rudely and in a cutthroat manner told me they dont work with credit reporting companies that i need to call them or handle it with them. I asked her for a manager and she told me that the manager will tell the same thing and in the second time i asked her she cut me off and sent me to a hold and then another customer service agent i think from collections named XXXX answered at aproximately XXXX am that day. XXXX told me that that is just a term or condition that is in the blanket agreement but that i don't have to sign it and send it. Also PNC bank sent me another letter stating : a Notice of Right to cure and intent to repossess dated XXXX XXXX 2020 stating i need to pay XXXX2020 or they will be exercising their rigths under the law such as the rigth to repossess any property held as collateral and hold me personally liable or responsible for any diference between the sale of the property and the final balance. The CARES act specifically provides information and what to do regarding this situation. | ||||||
| 04/23/2018 | Yes |
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Web | Older American |
| After filing a CFPB complaint [ complaint # XXXX ] during XX/XX/2018, I received one " PNC Bank Official Check '' in the amount of {$77.00} and two " PNC cashier 's checks '' in the amounts of {$480.00} and {$30.00}. Unfortunately, I have been very ill and have been at 2 different hospitals for medical treatment over the last 4 weeks. However, I tried to cash these 3 checks at the PNC XXXX XXXX branch on Saturday, XX/XX/XXXX. The branch manager would not authorize these checks to be cashed because she said " she had to guarantee the funds were available by calling someone at corporate. '' She said " the individual ( s ) I need to call will not be available until Monday morning. Please come back to the branch at that time. I am going to keep these checks because I can not return them to you. '' Now, why the branch manager felt the need to keep the checks did not sit well with me and that was made very clear. I used to work at a bank and I know that among the purposes of a cashier 's check is to set funds aside to ensure guaranteed and prompt payment to the check recipient. So, again- why the branch manager felt behooved to take possession of the check is absurd and why it is taking so much work to cash their own company-issued cashier 's check is beyond my comprehension at this point. Upon going to the branch this Monday morning at XXXX XXXX, the branch manager has still not resolved the matter. She asked for me to return to the branch at XXXX XXXX to let me know the status at that time. I departed from the bank and called the XXXX number denoted on paperwork and spoke with a customer service representative named XXXX. After explaining the situation to XXXX, she recommended I ask the branch manager, XXXX XXXX, to provide me the regional manager 's phone number. I will make that request & call but I feel compelled to file another complaint regarding this outrageous situation. These funds are proof of payment that the bank recognized that closing my checking account was wrong but what is worse is the amount of time and money ( XXXX & bus fare ) to resolve this " resolved '' issue. Thank you in advance for your assistance! | ||||||
| 06/02/2022 | Yes |
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| In early XX/XX/XXXX, PNC bank sent me a mailer with a personal invitation and reference code, inviting me to open a new checking account, to set up a direct deposit to receive {$400.00} bonus. The mailer addressed to me by my full name and specified a personal reference code. I have got interested in this offer and applied for the PNC checking account on XX/XX/XXXX. My application was instantly approved, and already within the first billing cycle I fulfilled the offer terms by setting up a direct deposit of {$5000.00} from my paycheck. However, after 90 days I did not receive {$400.00} bonus as it was promised in the offer terms. On XX/XX/XXXX, I contacted the PNC Customer Service with an inquiry about the promised bonus and received a confirmation that " the Promotional offer that was applied to the account entails that you would be eligible to receive a {$400.00} bonus if you have {$5000.00} of aggregate direct deposit ( s ) within 60 days of account opening ''. The agent also opened an investigation of why the bonus was not received. On XX/XX/XXXX, I was informed that the bonus was in fact denied on the ground that I received a similar bonus from PNC on XX/XX/XXXX and that " new checking accounts won't be eligible for the offer if the customer has been paid a PNC checking promotional premium in the last 24 months. '' I'd like to point out that ( i ) PNC did know for sure the history of my relationship with them when they sent me a personal invitation to open a new checking account and offered me a bonus back in XX/XX/XXXX ; ( ii ) the offer was addressed directly to me and mentioned my full name, and furthermore it said " Offer is available to intended addressee only ''. So it was a targeted personal offer directed to me. ( iii ) the practice of calling my name and offering me a bonus and then claiming that I'm not eligible for the bonus is deceptive at very least. Essentially PNC tricked me into opening a new account by promising a bonus and then denied the bonus. My attempt to contact PNC, explaining the situation and even sending them the pictured of their mailer offer, did not succeed. Hence I file a complaint here. | ||||||
| 09/22/2023 | Yes |
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| On XX/XX/XXXX I opened a new account with PNC Bank online and made deposits of {$100000.00} in the subsequent XXXXwo months. After opening the account and making my first two deposits I was informed by a friend of a deal in which PNC Bank would either pay a cash bonus of {$200.00} if a new Virtual Wallet with Performance Spend was opened and {$2000.00} in qualifying deposits was made or {$400.00} if a new Virtual Wallet with Performance Select was opened and {$5000.00} in qualifying deposits was made. In XXXX I called PNC bank and inquired of the bonus and was informed that the detail I heard from a friend were correct. I then contacted my employer and asked for my direct deposit be changed. On XX/XX/XXXX a trial deposit was made and on XX/XX/XXXX and every XXXX weeks subsequently a direct deposit of my paycheck has been made to PNC bank. I thought at XXXX XXXX I was all set and a bonus if {$400.00} would be deposited in my account. On XX/XX/XXXX I called PNC Bank to inquire about my bonus. The first agent I spoke to was very nice but told me that my husband had previously opened an account with PNC Bank and due to him being listed as co-owner on the account I would not be receiving the {$400.00}. I informed the agent that my husband had tried to open accounts but due to malfunction the accounts were never used. The agent was talking to a manager about this and the phone call was disconnected. My husband did open an account on XX/XX/XXXX and closed it on XX/XX/XXXX a total of {$10.00} was deposited and subsequently transfer in the account. Another account was opened and closed on XX/XX/XXXX no transactions occurred. It should be noted that my husband is not allowed access to my account when calling via phone. Subsequent to my disconnected call I was picked up by a different agent and was informed that the time period to make a qualifying deposit was 60 days after the account was opened, something that the agent I spoke to in XXXX failed to inform me about. The agent then checked my account and saw the first direct deposit was made on XX/XX/XXXX and I was informed that unfortunately that was over the 60 day time limit. | ||||||
| 09/06/2023 | Yes |
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| On XX/XX/XXXX, a XXXX meeting was held in regards to a Court Order involving the foreclosure of home equity loan. I represented myself at the meeting and requested that the lender, PNC Bank provide validation of my mortgage loan. PNC Bank had recently purchased the loan from Compass Bank. I asked PNC to show the delinquent payments in the form of individual monthly mortgage payments, rather than a lump sum of past due amount. I believe the amount of the delinquency was greatly inflated and did not represent the amount owed. At the Judge dismissed the Court Order to foreclose and asked us to work together. The Judge instructed PNC Bank to validate the mortgage loan according to the guidelines. During this time I was undergoing XXXX XXXX at XXXX XXXX in XXXX, Texas. I did not hear from the mortgage company during the remainder of XXXX. They did not provide a debt validation letter. Instead, they proceeded to manipulate the loan by removing my home equity loan from the Judicial Court requiring a Court Order to foreclose to the county court that did not require a court order. At the end of XX/XX/XXXX, the bank scheduled foreclosure sale of my home for XX/XX/XXXX. I learned about the foreclosure a day earlier and filed XXXX XXXX Bankruptcy to stop the sale. I proceeded to get HUD counseling and debt remediation from PNC Bank. The XXXX XXXXXXXX was lifted because my attorney did not follow guidelines. As soon as the stay was lifted PNC bank set another foreclosure sale date for XX/XX/XXXX. I tried to work with the bank. I would soon be finished with XXXX XXXX and that I would be able to earn income. The bank informed me that there was nothing I could do and that they would proceed with the sale. However, my previous XXXX XXXX had been lifted because my atty failed to file papers. Because of this neglect the stay was lifted and the PNC bank instigated another foreclosure sale date for XXXX XXXX. This time I refiled XXXX XXXXXXXX Bankruptcy to stop the foreclosure. The bank is not willing to help me. They insist on foreclosing on my home. I have spoken many times with the bank and the only solution they have is to take my home. | ||||||
| 08/16/2022 | Yes |
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Web | Older American |
| PNC Bank ( PNC ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( www.pnc.com ) and it's representative allowed an unknown caller to change my address and add two additional phone numbers two my accounts on XX/XX/2022. Then through PNC normal processes, XXXX Credit reporting agency was updated with this fraudulent information. I was made aware of the issue through XXXX XXXX and XXXX XXXX XXXX of this change to my credit report on XX/XX/2022. A letter was received from PNC on XX/XX/2022 letting me know my address had been changed with no mention of the two phone numbers being added to my account. After talking to PNC, although this was not an online or internet breach, I did change my UserID and Password and corrected the address on the accounts and deleted the two phone numbers. The address change was only made on two of multiple accounts I have at PNC. Those two accounts however represent XXXX XXXXXXXX of open line of funds. PNC did create a case, XXXX, to investigate the situation. They will update me in two to three business days as to their findings. A letter was sent to PNC requesting they remove the incorrect information and update my XXXX and any other credit bureau where this information was entered. My concern is the lack of operational controls where, based on what we know at this point, an unknown individual can provide what is considered " enough information '' to verify my identity to make the stated changes. On my account is my wife 's and my cell phone numbers where a text could have been sent with an authorization code for the PNC representative to move forward. Sending an authorization code has happened multiple times in the past with PNC when validating my authority. Although PNC does not consistently do this verification process, this step might have circumvented this situation from occurring. From an operational and procedural controls perspective, there should be stronger processes in place to ensure my and other PNC customers do not have fraudulent activity taking place. As the control mentioned above would have been a step in potentially preventing this situation and more controls should be identified. | ||||||
| 12/26/2017 | Yes |
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| On XXXX XXXX, 2017, I received a wire transfer from the sale of my company stock. The amount was XXXX euros, held in a French bank. Once deposited into my bank account ( at PNC ), it was {$86000.00} XXXX. This would put the exchange rate at XXXX EUR/USD. Additionally, PNC charged me a {$15.00} fee for the incoming wire transfer, which I am not disputing. However, the market rates were considerably higher at the time ( xe.com shows XXXX for that day - attached XEEURExchangeRate.png ). I had other work colleagues that performed the exact same transaction with their bank on the exact same day. The rates that they received were in line with xe.com 's rates for the day. My co-workers received as high as XXXX for their exchange rate. I contacted PNC on XXXX XXXX to dispute the exchange rate. The first question I asked the representative was to give me the current day 's exchange rate. He confirmed that it was XXXX. This is consistent with xe.com 's rates for that date. I then asked how I was given a rate much lower than the market on XXXX XXXX. He transferred me to another department ( the foreign exchange department ). This person confirmed that the rate on the date of transfer was XXXX. I asked how the rate could be so far off of the rest of the market, and was told that they did not know and could not provide more information. I asked how the person today could quote me XXXX as an exchange rate, and was told that he mis-spoke, and that his rate was not accurate. I sent my transfer to PNC because I counted on them to be comparable to other banks. In fact, their website states " PNC 's exchange rates for individual foreign currency orders are competitive with those offered by local banks. '' ( attached PNCExchangeRates.png ). Their rate was considerably lower, and if we consider XXXX a fair exchange rate ( based on XXXX 's rates for the day ), I was shorted {$3400.00}. So if PNC is not competitive, and there is no way to verify rates with them ( either before or even after a transaction ), then it seems that they are fraudulently misleading their customers to believe that foreign currency will be exchanged fairly. | ||||||
| 01/23/2018 | Yes |
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| 1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and PNC. 2. PNC BANK- Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX. | ||||||
| 08/29/2022 | Yes |
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| I XXXX searched " XXXX XXXXXXXX '' on the shopping tab. XXXX XXXX popped up with the camera for {$500.00}, with $ XXXXshipping. A total of {$550.00}. After I placed the order, it was requested that I pay via XXXX through my PNC app. My order number was # XXXX and said " pending ''. I did not receive further instructions regarding where to send it, so I used their XXXX to inquire, nor did I receive an invoice or receipt. A person named " XXXX XXXX '' responded and sent me an email from XXXX with instructions to issue the payment to XXXX ( an individual named XXXX XXXX ). He also requested that I reply with a screenshot of the XXXX payment. I did so and requested that I be sent an invoice and tracking number when it was shipped. I was told it would be sent today ( XX/XX/2022 ). I noticed the next day that it was still saying " processing '', so I inquired via the XXXX with no response. I emailed the admin account, was told the item was going to be shipping soon, and the following day, they stated that I had not made the payment ( despite confirming that it was received ) They are also not answering the phone number listed on their website. They have since removed the ability to use the XXXX from my account, Upon looking deeper on their XXXX business reviews, I saw that two things had occurred. Firstly, there is a review left by " XXXX XXXX '', the same name as the person who allegedly works there. Secondly, another user commented that the business was a scam. I contact my bank ( PNC Bank ) to dispute the transaction and report the fraud. They told me to call back once the payment has cleared my account. It cleared on the XXXX. I filed a dispute with my bank and they said I would hear back in 10 business days. They have since told me that my dispute was denied because it was not considered fraud. However, from what I understand, this agency has been pushing to include XXXX scams to be recognized as an " unauthorized '' payment. I have also not heard from the " seller ''. I have documentation of the scam below. I have filed reports with : The FTC, the Illinois Attorney General, the FBI, and the XXXX XXXX XXXX | ||||||
| 12/17/2018 | Yes |
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Web | Older American |
| I purchased a vehicle at a dealership who financed for XXXX XXXX XXXX XXXX. When I purchased the vehicle the engine light was on the dealership gave me an IOU BILL to fix tbe vehicle when I returned, the dealership had " GONE OUT OF BUSINESS ''. In the state of Georgia your vehicle must past emmissions in order to purchase a license plate It is also illegal to sell a vehicle with engine light illuminated. After notifying credit acceptance i filed several disputes with pnc on XX/XX/2018. I was given a provisional credit for each dispute one totaled {$500.00}, {$250.00}, {$270.00} and {$350.00}. On XX/XX/2018 three months later PNC DEDUCTED THE PROVISIONAL CREDITS FROM MY ACCOUNT. I immediately called PNC bank and was told there was nothing I could do about it because time had expired..I reached out to credit acceptance and was told that the money went back to PNC on XX/XX/2018 and they gave me reference numbers for the disputes. I have called Pnc bank 21 times, went to 2 PNC Branches and sent 15 text messages. On XX/XX/2018 I tried again to get some answers from PNC I received a response from XXXX XXXX on the Pnc message center website which she states that they didnt rule in my favor because the questionnaire was returned to Pnc due to incorrect address ... that is unacceptable!! If they took the time to open the letter which they did, they knew I needed that document why didnt someone call me, email me?? my contact information didnt change. That is withholding and deceptive and I believe PNC done that intentionally. Pnc knew that the dispute process couldn't be complete without that document. I never got a fair chance!! On XX/XX/2018 I got a call from XXXX XXXX from PNC who said after reviewing my account that PNC had made several errors while entering the disputes and that he would get back with me that afternoon. ( He never called back ) the next day XX/XX/2018 XXXX XXXX from PNC ESCALATION DEPT called me to inform me that I would be receiving a call from His Manager TODAY and his name was XXXX. ( He never called ) THIS IS NOT ACCEPTABLE - AND I HAVE BEEN MORE THAN PATIENT.. PLEASE TELL ME WHERE MY MONEY IS ... .. | ||||||
| 04/19/2021 | Yes |
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| I have a mortgage with PNC bank starting in XXXX. I lost my job in XX/XX/XXXX because COVID so I applied to skip payments to PNC website and I was approved for 3 months. After that, the benefit was automatically renewed for 3 months extra. In XXXX I started back to do my payments, after that, I got a letter with a XXXX XXXX XXXX which didn't include a pre-paid envelope. I'm not American and I've never sent a letter before so I used the same envelope wrongly and I got it back. I reached PNC and they said to take a picture of the signed page and send it to them by email. After few days, they replied to me that I need to send pictures of all the pages, after few days they said the format is wrong so I need to send a PDF, after that they said I need to submit it by fax and finally I got an answer that it's too late. In XXXX the Loss Mitigation representative, XXXX sent me a FedEx envelope with a Conditional Trial Plan, which I attached here ( The pictures were taken previous my signature ), with another XXXX envelope to send the papers signed. I need to do these trial payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so I included in the envelope a check with the amount. A few days later, XXXX said I got the envelope and I have the money, we are good and you don't need more papers. Days after that, I got another Payment Deferral Agreement, but I thought it was sent by mistake and the conversation with XXXX left it clear to me. On XXXX, XX/XX/XXXX, I got a check back with the amount of my first trial payment. I've tried to contact XXXX but it's impossible and they said I was removed from Loss Mitigation. After losing hours of my time, they said I'll be called back after an investigation on XX/XX/XXXX or XXXX but I don't want to wait more and having any risk of losing my house because of the mistakes of these people. I've called today to XXXX XXXX as well because they are the owner of the mortgage and PNC is only an intermediate, doing a terrible job by the way .. The only I want is to solve this situation as soon as possible. I don't want to lose my house because a misunderstanding or a very poor job from PNC. | ||||||
| 04/18/2018 | Yes |
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| In early XX/XX/XXXX PNC Bank ( updated ) installed a new HELOC program, changing/updating all components of existing loan, ie. account numbers, the way payments are applied. They suspended all activity for a week. I was unable to make any payments, transfers, etc. for that period of time and unable also to see my balance online. On XX/XX/XXXX I went to the branch in XXXX NJ to make a principal payment on my HELOC of {$5000.00} and to inquire why there was a payment made automatically of {$130.00} to principal. It was supposed to come out automatically, and it did, but it incorrectly applied payment to principal, making the standard pymt for XX/XX/XXXX unpaid, due to system " glitch ''. I sat down with a branch employee to correct problem and was there between a 1/2 hour to an hour waiting for someone from the HELOC department to assist and correct this problem ( I had been on the phone the day prior on hold for more than 1 hour trying to solve same problem ). Finally on XX/XX/XXXX the payment was reversed and reapplied and showed as " other '' payment. No indication what portions were applied to principal/interest. My {$20.00} online payment from that same XX/XX/XXXX day was also incorrectly posted as interest. After numerous phone calls and hours on hold the problem has not been solved. I was promised on XX/XX/XXXX by a Manager of the Escalation Department that all would be corrected by Monday, XX/XX/XXXX and that she was sure this was enough time for the problem to be fixed. I called again on XX/XX/XXXX and left her messages and spoke to another Manager of Escalation Department because I was unable to reach her or hear back from her. I was assured the problem was being worked on but that the department that investigated had not completed the task. On XX/XX/XXXX I called Manager of Escalation Department again and I was told again that the department was behind in correcting problems. She promised to get back to me as soon as she heard problem corrected. It is now XX/XX/XXXX and there has been no corrections, updates, communications from the department, but there have been additional misapplications of payments. | ||||||
| 07/03/2017 | Yes |
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| I have been with PNC mortgage company since XX/XX/XXXX. The property is located in a town were USPS is not available all correspondence needs to go to a P.O. BOX. The mortgage company failed to inform me that my property taxes went up. I make mortgage payments trough my bank never been late since XX/XX/XXXX, The say since taxes went up they received my payments in a suspense account, reported we were making no payments to credit bureaus and ruin my credit, initiate foreclosure procedures and decided with out my authorization to do a loan modification. I found out because I was trying to apply for a 15 year refinancing that they were reporting me late. I lost the opportunity to refinance because of them! I call them and they argue they attempted to call me for a year, for some reason they had my internet phone number ( I only use my cell phone number ), they say they sent mail to the physical address but We do not receive mail to physical address because there is no mail in this town only P.O. BOX, they do not have proof they stamp a notice in my door, they did not e mail. They fail to provide any proof that they attempted to contact me for this problem. I have correspondence from them to my p.o. box and e mail for other issues. I have been with PNC since XX/XX/XXXXor before, every time We call them they verify our information so there is no excuse for them to argue they can not find us, we have Same phone number at list 12 or more years, p.o. box, e mail since XX/XX/XXXX, nothing have changed, they did a refinancing in XX/XX/XXXXand they sure had our information then, around XX/XX/XXXX we call them because the payment was late 1 day and they did confirm the information then. I want them to return everything back to my original loan, they are trying to convince me to accept the modification I did not authorized, I ALREADY TOLD THEM NO, I am not willing to modify my loan, start again and pay all late fees, administrative fees and all other trash fees they are trying to add to my loan. The WORST is that they decide for me to modify my loan, started the trial period and dispose of my payments WITH OUT MY AUTHORIZATION! | ||||||
| 04/06/2015 | Yes |
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Web | Older American |
| We submitted a Request For Modification ( RMA ) to PNC Mortgage. We fully completed their in-house RMA and the governments RMA form. When PNC Mortgage reviewed the documentation they denied the request on the basis that the non-borrower income was not allowed because they did not live in the subject property. The Borrower : XXXX, a XXXX and his daughter XXXX both attested that they reside in the property. They provided the water bill in XXXX XXXX 's name and the light ( XXXX ) bill also. The PNC Mortgage representative informed XXXX XXXX that his XXXX had to place the light bill ( XXXX ) in her name to prove occupancy. The XXXX bill was then placed in XXXX ( Daughter ) name. The certified non-borrower application was completed as well as the non-borrowers bank statement reflecting the subject property address. PNC Mortgage later denied the modification stating that the XXXX account had switched back and forth and the Non-Borrowers {$1200.00} contribution was not accepted because she does not live in the property. The fact is the Non-Borrower and the Borrower do live in the property. To add insult to injury, the Borrower attended a conciliatory mediation with the PNC Mortgage Analyst and legal counsel. The XXXX Judicial Circuit Court stated that ; " the banks representative must attend all mediations with full and complete settlement authority ''. At the conciliatory mediation the PNC Mortgage representative stated he had full and complete settlement authority. But at the end of the hour and a half discussions the PNC Mortgage Analyst declared that before he can make a final decision he has to review the file with the Investor for the loan and it could not take place now. When asked who the investor for the loan was? He stated ; " he did not know ''. That is not full and complete settlement authority. Unfortunately, there is no venue for borrowers such as XXXX XXXX to turn to in an effort to cure such flagrant disregard for the rights of borrowers like XXXX XXXX. It seems that at every turn PNC Mortgage changes the rules to confuse, delay and where down XXXX XXXX in an effort to foreclose on his home. Please help. | ||||||
| 10/13/2022 | Yes |
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| I have a XXXX with PNC bank as of XX/XX/2022 with a {$100000.00}. On XX/XX/XXXX, I had a closing call with XXXX XXXX # XXXX. During the recorded call, he used language that suggested I draw the full {$100000.00}. The benefit would be the money 'not collecting dust ' and being accessible to me sooner with the opening of an account. I asked him on several occasions what the interest rate would be on the full draw amount. He stated I would have a XXXX month introductory rate of XXXX XXXX ( even if I chose a fixed rate product ). Do to his wording, I chose to withdraw the full {$100000.00} instead of the {$5000.00} I initially decided upon. After closing, I received a monthly bill in the amount {$590.00} which did not reflect the XXXX XXXX ( {$270.00} payment ) rate he promised. I called customer service for several days and no one could help me even though the rate was ( and still is ) reflected on my account. I sent XXXX an email with my concerns. He agreed that he saw the rate of XXXX and would get back to me. He later said I did not qualify for the rate due to me locking the loan. I would have never taken the full amount or locked the rate if he were more honest and/or knowledgeable of PNC 's products and caveats. Once it was determined that I would have a payment of {$590.00} vs. {$270.00}, I contacted customer service on XX/XX/2022. I specifically asked the agent what my payment would be if I were to put {$77000.00} back into the account. She spoke with her manager and told me my monthly payment would be {$120.00}. I funded the account with the {$77000.00} due to her words. However, my account still reflects an expected payment of {$590.00} for the XX/XX/XXXX bill. PNC made several false and predatory statements to me involving this loan. If the bank 's employees were honest and/or knowledgeable, I would have made other decisions surrounding my choice of lock, lender and draw amount. These unfortunate misrepresentations have been daunting to me and my family 's financial well-being. I am asking that you please assist me with this complaint. I can provide snapshots and the calls were recorded. Thank you. | ||||||
| 06/18/2020 | Yes |
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| I have PNC and I have been trying to connect my debit card and checking account with XXXX XXXX. According to XXXX PNc has a security system that is new that prevents PNC users from connecting their debit card up to XXXX. I contacted PNC and they confirmed this is an issue they dont have a fix for. I have rights to use my account for however I deem necessary and XXXX is a trusted company. I need PNC to deliver what they promised which is a better financial future in which I could have with XXXX but they are preventing me from doing so. Also I would like to note that with this new security measure in place I just got an email yesterday XX/XX/XXXX from PNC of a security breach they had to their systems. So if they are sacrificing my ability to better my finances with XXXX due to beefed up security then why is that the first security issue I have ever had with them. I would like to see this issue resolved and have my account back in my hands not theirs. I tried to connect the account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX and PNCs response was at first were working on getting you connected, to it may take a few weeks, to our security does not allow connection to XXXX. Why does XXXX have over 300 banks on their list of accepted providers that can connect their accounts and yet PNC says it is not possible. These banks include XXXX, XXXX XXXX, and XXXX all major banks in line with PNCs size so that should not be the issue. It is not like Im trying to connect my account to a pyramid scheme or sending money to a XXXX Prince I am connecting to a legit financial growth and investment company. Below you will see the message I get in XXXX after accessing PNC through the XXXX app and connecting via texted access code. XXXX customer service also advises me on XX/XX/XXXX they can not open the access as the access is automatically granted on their end with bank verification. The second picture is an email I receive from PNC directly after stating my account has been linked to XXXX. But after about a minute it cancels the connection and makes you call PNC customer service who state they are unable to help | ||||||
| 01/25/2016 | Yes |
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Web | Servicemember |
| My credit card from PNC Bank Credit Card was compromised when XXXX had a security breach ... I was notified from PNC Bank that they would be sending me a new credit card in XX/XX/XXXX, to replace the old credit card that may have been compromised from the target breach at the end of XXXX XXXX ... I also spoke to them at this time about making a payment and they told me to hold off until I received the new credit card ... .I was supposed to receive the new card in XX/XX/XXXX, however, I did n't receive the new card until XX/XX/XXXX, almost a month and a half later ... .Once I received the new card I immediately called PNC Bank to activate the new card to replace the older one ... I ask the representative at the time if the account was open and activated and he stated that it was, however, at the time I talked to this representative, it had already been closed by PNC Bank ... The rep told me to set up a payment in the next week or so since the account was running behind due to PNC Bank mailing out the new card a month and a half late ... I called back in a few day later and agreed to set up a payment until the rep told me PNC Bank Closed the account XX/XX/XXXX and PNC never notified me they were closing the account ... I was outraged, since I had been a customer all my life at PNC ... .PNC also charged late fees and over the limit fees, how convenient, while I was waiting for the new card to arrive ... At that point I called PNC, and they said the person I needed to speak with about this problem was in a different department, and a person would call me to speak about this in 72 business hrs ... .I never received a phone call from PNC, after I called in several times about the credit card ... .At this time, I have XXXX credit cards, XXXX showing up on my credit reports, XXXX, XXXX, and XXXX, and this is in direct violation of the fair credit reporting act, since PNC failed to call me back to discuss my credit card being compromised, and that they would be using negative information in my credit reports ... They also state in credit reports that we came up with a resolution, then I disputed this, simply not true .... | ||||||
| 03/21/2015 | Yes |
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| PNC is servicing my mortgage. I filed for bankruptcy in 2012. Chapter XXXX. It was stated in the bankruptcy that I was going to sell the house on a short sale because I could not afford it and I would be moving to a more affordable area. Four months after I filed, I sold the house. It was XXXX at the time. The buyer was paying cash so there was no question of funding. PNC gave us the run around for a year. They never approved nor denied the short sale. They just kept asking for new paperwork. They always had a different contact and would always lose the paperwork. We asked to speak to the actual holder of the loan and pnc refused to give the information. After a year the buyers finally had to back out. There was no end in sight. I have since found out that the original lender was never even told about the pending sale. I asked the realtor why this was happening. He said that PNC gets money from the government for each month the short sale is pending. I had to wait till the value of my house went up enough so it would n't be a short sale. In addition PNC HAS REFUSED to acknowledge the bankruptcy. Refusing the lower payments set forth by the bankruptcy court. I am currently in closing on a second sale of the house. This should not be a short sale. They said it would take 10 days to get me a payoff amount. I 'm worried that it will be incorrect. They are basing what I owe and penalties on the original full payments. I feel this is wrong. If they had not DELIBERATELY held up the sale of my house I would not have incurred these additional charges and penalties. I also feel like all of the money they received from the government for holding up the sale should be credited back to my account. I do n't know what to do. I do know that my realtors have had several of the same issues with PNC with other short sales. It took them 7 mos to give us a single point of contact. And 8 mos to send out and appraiser. Please let me know what I can do. I know the payoff amout they are going to give will be wrong. Do I have any recourse to get this fixed after the loan has been paid off? These people are so incompetent they scare me. | ||||||
| 10/12/2023 | Yes |
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| My name is XXXX XXXX ... .., I am the manager of DARK ... ... .... XXXX XXXX registered in the XXXX of Pennsylvania XXXX In late XX/XX/2023, I initiated the opening of a checking account for the above XXXX at the PNC Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX ( Phone # XXXX ), providing all the necessary documents and finally get account No. ... ... ... XXXX, opened on XX/XX/2023. A couple of days later, XXXX sent me an email inviting me to visit a PNC branch ASAP, just to personally notify me that the account was opened mistakenly and should be closed. I simply asked to indicate in writing the reason for the closure - what rules or regulations were violated and why this became obvious only now. She refused to provide me with written reasons for this action. I insisted on receiving a written response from PNC Bank as to why the XXXX XXXX could not have an account in this branch. A couple of days later I received a debit card with a notification that the account was frozen, but again without any explanation. My numerous contacts with various PNC Bank representatives were unable to clarify the reason for this situation, and all of them refused to provide me with any written explanation. Today I received a letter notifying me, without any explanation, that the account will be closed on XX/XX/XXXX. When I called the helpline, bank representative XXXX told me at around XXXXXXXX XXXX on XX/XX/2023 that the account would be closed due to my abusive behavior. My problem is that PNC Bank has never provided a written explanation for its actions, which I consider discriminatory and defamatory, so I can not take any action to protect my rights and my reputation. But all my telephone conversations with PNC Bank representatives were conducted over their recorded lines. I am asking the Consumer Financial Protection Bureau to help me get a written explanation of why we can not have an account with PNC Bank and what exactly abusive behavior I have demonstrated. Thanks for the help, and please let me know if you need more information. XXXX XXXX ... ..... XXXX XXXX | ||||||
| 11/03/2018 | Yes |
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| PNC is the first bank I have opened an account with, and anytime there was an issue they always seemed to make up for it in their excellent customer service. My Fianc and I both have PNC accounts, and he has had problems multiple times, as I see many before him have as well, of dissappearing funds on the Virtual Wallet leading to overdrafts. I had never had an issue with it, until now. Our 1 year Anniversary was XX/XX/XXXX. So, we decided to stay in a decent hotel for {$98.00}, plus a {$25.00} pet fee for our dog. We went to dinner ( spending {$22.00} ) and some cookies ( spending {$8.00} ). This was on XX/XX/2018. However, the charges remained pending until XX/XX/2018. The money seemed to already be taken from my account, so I thought nothing of it, and we bought lunch for {$40.00} and some retro candy for {$19.00} the next day. Those purchases were made XX/XX/XXXX, but they also remained pending until XX/XX/XXXX. Still, they seemed to be automatically taken out, so I thought nothing of it. I could keep going with purchases that were made in this process, but I would just be carrying on for ages, so I will get to the point. Purchases that were made on XX/XX/XXXX-XX/XX/XXXX, weren't actually charged until XX/XX/XXXX-XX/XX/XXXX. In the middle of all this, I received a XXXX of {$200.00} on XX/XX/XXXX, which now shows up as being received on XX/XX/XXXX. The pet fee, the dinner, the cookies, and the hotel were all extracted from that {$200.00} and it did not show that way until XX/XX/XXXX. We had gotten gas for {$10.00} on XX/XX/2018 that did not get removed from my balance until XX/XX/2018. I started the day with {$37.00}, spent roughly {$15.00} and now my account is overdrafted. What is even more upsetting, is the fact that I have a student account, so that should not have happened in the first place. I have called twice, once on XX/XX/2018 and again on XX/XX/XXXX. Both times, I was told to wait for a manger to call me back with in the hour, which never occurred. I have never overdrafted my account before and I always keep track of my balance after my purchases, so for this to happen is incredibly upsetting. | ||||||
| 06/11/2016 | Yes |
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| I bank with PNC bank. I have a issue currently with a few transactions which caused my account to go negative and NSF charges that were imposed. What happened during this situation is as follows. I was out of town and knew there was going to be a charge go thru my account next week. I was aware of this so I was very cautious with my spending. To be extra cautious I made sure that when I made any type of charge to the account I checked the balance before hand to make sure the large charge did not come out before it should have so my account would not go negative. I have been told my the service reps at the bank that the processes were in real time so I took that to mean if there was a balance in the account that it would go in the order of the charge. THIS IS NOT WHAT HAPPENED. Although I checked before each and every charge the large charge I knew was coming ( although a week early as I was afraid of happening ) did end up going thru. Now the problem is all those charges that I double checked for a balance they did not process it the way they said it would. PNC processed the large charge first and then all the other small charges afterwards causing XXXX NSF charges. I called the bank and they once again told me that Everything processes in real time. I went back and forth with them and they ended up telling me the balance is just a tool. I was not satisfied with this and the case was elevated to a supervisor. I then received a phone call a few days later and the lady told me that things are not processed in real time. This is a stark contast to what I was told in person at the branch as swell as what the online CSR told me. She went on to tell me things are really processed when the receipts are sent to the bank for payments. Well this makes things impossible to try to fix if there was some type of error on the account. Anyway I feel like the bank was completely dishonest with me on how to try and protect myself against charges. If I would have know in the first place I would have just pulled out cash out of my account and paid with things that way so I did not have several hundred dollars in NSF charges. | ||||||
| 09/17/2016 | Yes |
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| Hello CFPB, My complaint is regarding the Automatic PMI termination requirement to my loan. After multiple written attempts to PNC Mortgage, I finally received a response to my inquiry about automatic termination of my PMI and whether I had reached the loan to value ( LTV ) threshold for termination. PNC Mortgage provided written correspondence ( dated XX/XX/XXXX ) that stated the following : " At the present time the LTV in your property is XXXX % '' and they went on to communicate how this value is calculated. Instead of communicating that the Homeowners Protection Act requires the PMI I pay on my loan be terminated once I 've met the XXXX % threshold, they provided me with information on how I can Request PMI cancellation and pay for an appraisal through an entity affiliated with PNC. I recognized steering me to a cancellation process ( where I have to pay for an appraisal ) might be an oversight because within the letter they also provided me with my " Appraised Value at Loan Origination '' and after applying the calculation within their correspondence letter I calculated the same XXXX % LTV ratio that was quoted by PNC Mortgage. This ratio should trigger automatic PMI termination but it was not communicated in the correspondence ( dated XX/XX/XXXX ) or in the next correspondence ( dated XX/XX/XXXX ), after I brought this to PNC Mortgage 's attention. The follow up correspondence ( dated XX/XX/XXXX ) surprisingly neglected the fact that my LTV ratio is XXXX % and instead communicated that now " The PMI is scheduled to automatically delete on XX/XX/2017 '', when I reach the LTV ratio of XXXX % which is a complete disconnect from the previous correspondence. I have not been provided with adequate correspondence as to why my loan with an LTV ratio of XXXX % is not set to terminate automatically. I should not have to pay for an appraisal based on the requirements within the federal law and now I am paying additional PMI even after reaching the termination threshold under the law. Attached are the two correspondence letters that were provided to me by PNC Mortgage supporting my complaint. Best Regards | ||||||
| 08/15/2023 | Yes |
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| I have put in my contact information to a group of attorneys that were going to consolidate my debt on my behalf. He failed to make payments to my bank in which the bank, then close my account. Without notice, I was going to wear of the account being close therefore I made a payment for {$3000.00} which I can add you to the card later on when the card was declined I called my phone and that's the informed me that they closed my account. I've been asked for my {$3000.00} back in which they sent me a check for only 2000 is now been over two months that I continue to call them and ask for the remaining {$1000.00} they keep telling you that she has the OK or they will mail it and I have yet to see any funds. I just called again this morning and apparently there is no record of the XXXX XXXX being sent or any note in my account saying that they were going to send it now have escalated the case again and told me it would take at least a week before an investigator will be in contact with me. It is over two months and I am just asking for my XXXX XXXX back because they didn't inform me that my account was closed. I never would've put {$3000.00} down. How do I have known that they close it? I understand it is my fault for trusting that consolidators to do their job, but the moment that I fired the attorneys that were supposed to be consolidating and settling my dad on my behalf, I am mediately went and paid {$3000.00} on the account to try to Get back into good standing not realizing that I was too late and my account was already closed. I received {$2000.00} check at the end of XXXX, I have called over a dozen times on this, and I have record of everything as of this morning, I was informed that there is no indication of a check being sent out and they would escalate my case which is exactly what they did two months ago that allowed me to get my first {$2000.00} back. I don't know what else to do here, but I am extremely overwhelmed and this is an urgent matter now I absolutely need this money ASAP. In order to live. I have emphasize all of this to thanks for your addition and customer service could care less | ||||||
| 11/21/2019 | Yes |
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| i had many issues with my old account being compromised. The last time the PNC bank called me telling me that i needed to go personally to a branch. We opened a new account and the old one decided to leave it open just in case my job and social security administration would deposit the money on the old account, the account had a hold. I would say in XXXX ( cant remember well ) called the fraud department so they can have removed the hold and transfer a balance that I had in my old account so I could close the old account. For my surprised, the person that I spoke with from the fraud department, told me that there was an overdraft of {$220.00}, which I dont understand why is that, when I was having a balance by that time. I went to another branch of pnc to close the old account, the person that I spoke with told me that it was not possible to close the account because of the hold on that old account, but said he would call ( Im not sure where ) to remove the hold so we can close that account and he was going to call me back. Never received the call..for my surprise, the bank transfer over {$200.00} from my new account to old account that had and overdraft ( which shouldnt be any in the first place ). My experience with PNC has been a disaster, not only my old account was comprised many times, my sons, my mothers account, but transfers funds from my new account to and overdraft that again, should have any, and on top of that, I have spoken to a person from the escalations department from PNC and they dont even cant figure out what happened on that account, told me was going to call me and yet im waiting. Im disputing the {$200.00} that was transfer from my active account. If this is not resolved, im willing to contact a lawyer. I dont feel at ease having my money with this bank. One day I have money and the next day my new account is in danger to be overdraft because of the old account? And then the application is showing the {$200.00} back again in my account and in a matter of minutes the money disappears again. Its ridiculous. I have spent hours ( during work ) on the phone trying to get this resolved. | ||||||
| 09/02/2023 | Yes |
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| PNC assesses escrow in the middle of the year and then tacks on a " shortage '' fee if you dip below an amount they set. This review seems to come right after they pay your taxes/insurance and then they hit you with a large " shortage '' fee which they add as an escrow advance then raise your mortgage payment. In XXXX XXXX XXXX we asked that the insurance/taxes be removed from escrow and we would pay on our own. It was told to us that there would be a fee to remove them and we could not remove them at the same time. We then asked to have insurance removed from the escrow. We were sent a form to fill out, which we mailed to address given. ( Meanwhile we are being charged over {$50.00} more on our mortgage to cover the " shortage '' which they graciously extended over 24 months ). The form was returned undeliverable. We called and were given an email address to send it to. After months, they claim to have never received, meanwhile we continue to pay the extra shortage fee. We have placed multiple calls, done multiple chats and still no resolution after 10 months. We set up the insurance to be paid by us, paid in full, PNC refuses to acknowledge this even after receiving notifications from our insurance company that it was paid, sent payment again, then charged us another " shortage '' fee. After numerous calls and an escalation with : XXXX XXXX XXXX XXXX XXXX PNC Bank ( p ) XXXX ( f ) XXXX XXXX we are being told we are unable to remove our insurance and taxes from our escrow due to PMI. We have been struggling for over 10 months with no resolution, only to be told that we CAN NOT remove our insurance after being told we could, being sent jumping through hoops, being told they didn't receive our information, do this, do that, then come back with this answer. If they assessed the escrow at the end of the year, and not in the middle ( right after taxes are paid ) there would be a very minimal " shortage '' of the escrow, if any. Consumers are being taken advantage of by being charged " shortage '' fees in the middle of the year, when it would even itself into the green over the course of the year. | ||||||
| 03/25/2016 | Yes |
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| To Ohio Banking Authorities : PNC Bank has consistently overcharged us on our mortgage since the term started XX/XX/XXXX. In the last 3 years of the 5 year term, they have overcharged us {$400.00}. I complained to them a short time ago. I explained I was using the statement they send me every month to calculate the interest and principal. For instance, on XXXX XXXX, XXXX, they calculated that the interest payable on XXXX XXXX was {$170.00}, and the principal would be {$2900.00}, for a total of {$3100.00}. But the next month, they sent me a statement saying that what they actually took out was : interest of {$190.00}, and the principal was actually {$2900.00}. Every month they do the same thing. Charge us a little more than they say they will. I complained to them on the phone. My complaint : Every month they change the interest that they charge. It is always a little greater than the posted interest they ask us to pay. It is always changed in their favor. They told us it was due to monthly fluctualions in the calendar. I said the calendar was known when they issued the loan. They refused to address my complaint. Our issue is they are overcharging us. When the loan was created, it was a fixed rate loan that never changes. The calendar never changes. How could it change in their favor every month? I enclose my statement from XXXX XXXX, XXXX and XXXX XXXX, XXXX. These statements are part of a monthly pattern of price changes in the bank 's favor every month. I have copies of all of the other statements. Again, every month they tell us what will come out on the XXXX of the month. Then the next statement comes out, and they tell us what they took out last time. It is always higher than what they project they will take out. Always. My complaint to the bank was basically ignored. But I feel I have been overcharged, and I continue to be overcharged every month. The amount of the difference between what they tell us they will take out, and what the tell us they already took out will soon be over {$500.00}. If they do this to all of their customers, it would be XXXX dollars of excess interest. Thank You | ||||||
| 12/03/2021 | Yes |
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| I prepaid at an auto-loan at a PNC branch for a vehicle purchased from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I deposited {$3300.00} to the PNC branch in XXXX XXXX, XXXX PA and asked the bank teller if she could split the payment up and pay for an entire year. The teller told me yes and that it was absolutely something they do. ( I have loan history documentation. ) A monthly payment is around {$270.00} so I am covered until XX/XX/XXXX. Sometime in XXXX or XX/XX/XXXX I received a call from a PNC official regarding this transaction that there was a problem, but they would resolve it and split the payment among months for the entire year. Since then, no contact with PNC was constructively established. Today, XX/XX/XXXX as I was going to my car to go to work, I found that my car was repossessed. Immediately after this I went to a branch bank by my residence. The branch bank manager XXXX admitted that the branch bank employee notated that the {$3300.00} was supposed to go to a whole year of payments as opposed to the principal balance. Later, I spent hours on the phone trying to resolve this issue. Further investigation found that PNC had made three ( 3 ) payments and then put the rest of the amount towards the principal. I have talked to the PNC Repossession Manager XXXX XXXX, and she believes the PNC bank Branch banker at XXXX XXXX made a mistake and that I should request a refund of the principal balance. The car was released from repossession, but I still have to find a way to go and pick it up at my expense. No one I have talked to has any idea why PNC did not split the lump sum into separate deposits for each month. The retail and loan side of the organization has not, as of yet, addressed that they made a mistake. What the banker told me regarding the deposit on XX/XX/XXXX should be honored. This is a predatory lending practice and constitutes misrepresentation which I believe is currently under a strict liability standard in Pennsylvania. Because my car has been repossessed, I can not do my duties as a landlord, nor can I go to work. This has caused XXXX XXXX and real liability. | ||||||
| 11/10/2023 | Yes |
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| On about XX/XX/XXXX I wrote a check to XXXX XXXX for {$2800.00}. The check was inadvertently deposited and cleared my account for {$3.00}. I was asked to provide a subsequent check for the difference of {$2800.00}. I wrote a XXXX check and this amount cleared my account. During this time, I filed a dispute with PNC to see what happened with the original check. On XX/XX/XXXX a debit adjustment was made on my account for {$2800.00}. I immediately called PNC to figure out what this adjustment was. I was told this was for a correction to the original check. I was told the adjustment could not be called back and I would need to contact XXXX XXXX to have them refund me for a duplicate payment. I contacted XXXX XXXX and was told they had not received funds. Over the course of the past 2 weeks I have gone back and forth between PNC and XXXX XXXX and was told the funds were sent by PNC but was told by XXXX XXXX the funds were not received. I visited a PNC branch on Monday, XX/XX/XXXX and worked with a banker to try to resolve this issue. He called the adjustments department and advised me PNC was waiting for XXXX XXXX to file a dispute on the original check which deposited for {$3.00} and the funds were basically sitting there. No one prior to this conversation provided me with this information. He was able to have the funds " forced '' out to XXXX XXXX. The next day, I received a call from PNC, advising me the funds had been sent to XXXX XXXX. This is not the bank XXXX XXXX does business with. I again called PNC, and was told because the bank XXXX XXXX does business with the fund had to be routed to XXXX to further transfer these funds to XXXX XXXX. It has now been 5 business days since I was advised these funds were sent out and XXXX XXXX has not yet received these funds. I have been contacted by a complaint manager named XXXX with PNC and was advised she would be researching my issue as of Wednesday, XX/XX/XXXX. I reached out to her today and was told she has no updates. PNC has not provided me with information on this transaction and can not track these funds after they were supposedly sent to XXXX XXXX. | ||||||
| 11/05/2023 | Yes |
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| On Wednesday XX/XX/2023 I received a call from pnc over a {$1.00} charge to my account flagged as suspicious activity. They had asked if I authorized any charges and I said no. They then suggested a card replacement I asked how long it would take to arrive and they said 3 days and I would receive it by Saturday the XXXX. I said I CAN NOT be without access to my paycheck that is directly deposited into my account on Friday XX/XX/XXXX and that I do not want to do so if there was ANY possibility I would not have access to my money as this would cause severe and permanent damage to my health and living situation. Against my wishes They proceeded to do so. It was not until Saturday I learned my debit card had been deactivated while trying to buy food and get my prescriptions. At this time the banks had closed for the weekend and I was unable to get an XXXX back to my home 10 miles away. They told to go into a branch to get money and I had to tell them that they closed at XXXX on Saturdays. Next they said I can use cash app and link my bank account. After having to WALK 10 miles home and NOT being able to work my scheduled shift when I tried to link it to XXXX XXXX I it turns PNC dose not allow XXXX XXXX to be used. I have asked PNC to reactivate my old debit card and they said they could not do that. Then I asked them to activate my new card and they refused to do so and gave me " other '' options and every one of those would work but it WILL REQUIRE an active debit card. The last option was to use XXXX and I was able to link my account but it still requires the ACTIVE debit card to proceed. I do not have a car I can not just go to a branch. They have no knowledge of requirements to use 3rd apps and have no current options for account holders to have an ability get their money in emergencies situations or even care for that matter. For them to tell me to ask my friends family or neighbors to borrow money when I have it is not only insensitive, it makes me ask what is the point of using a bank if they claim you will always be able to access your money and trust them, but then destroy your quality of life. | ||||||
| 08/27/2021 | Yes |
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| Hello I am writing you to ask your help in a SBA PPP loan related matter, for which I have no other recourse but to write to several government agencies, yours not the least. I have a {$40000.00} PPP loan with PNC bank, but they have taken it upon themselves to renege on the original agreement, which was that if I used more than 75 % of the loan towards payroll related expenses that the loan would be 100 % forgiveable. They are now asking for {$17000.00} of this loan to be paid back to them, even though I have complied fully with the original terms. This is a breach of contract and an insult, that the bank should want a cut of the money given by the Government of the United States to the people, for the express purpose of keeping businesses hurt by the COVID pandemic, and not for enriching bankers who are now setting up interest bearing loans that we have to pay back. I have written the SBA, who says they have not yet set up an appeal process for cases such as this, but they say an appeal process is pending. I can not wait for this machinery to be in place ; I must act now before the bank demands its money bank on its usurious and illegal terms. I am also writing the Attorney General of the State of New Jersey, the Dept of Consumer Affairs, and any other agency that might be able to assist beleagured PPP loan recipients like myself. I would be more than happy to supply every documentation that I have regarding this, which is comprehensive, to you if you need it to investigate, which I am hopeful that you will do. Please contact me back at XXXX, that is to say in electronic writing. I do not think banks should push people like me around, a small business owner in the XXXX field ( XXXX office ) who provided XXXX care and XXXX health services throughout the covid period, assuming personal and business risk to do so, and for whom this money was meant for, not the banks to enrich themselves. If you could please respond with any help at all, I would be most grateful. Thank you - XXXX XXXX, MD, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, tel ( XXXX ) XXXX, cell ( XXXX ) XXXX, XXXX XXXX | ||||||
| 07/09/2019 | Yes |
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| On XX/XX/XXXX I decided to pay my loans off. So I use my bank loans website ( XXXX XXXX XXXX ) to make the transaction and pay my loans off. Few hours later I checked the website and the transaction had disappeared. I assumed it didnt go through since it was a high value. I went to PNC Online banking and started an online chat. The agent said the limit for transactions was 10 thousand but I could use bill payment if I wanted to pay a higher value. So I added XXXX XXXX XXXX as a payee and made a payment using Online bill pay. On XX/XX/XXXX I noticed that BOTH transactions went through ( more than 32 thousand ) and my account was overdrawn in 15 thousand ( The PNC bank authorized an overdrawn of 15 thousand without even calling me ). So I immediately called the PNC Bank and put a stop payment on one of the transactions. On the phone call I specifically said to stop the on made through the ONLINE BILL PAY ( If the call is recorded you can check that ), I did not authorize to cancel the other transaction. One of the transactions were reverted and I receive 16 thousand back, but for my surprise, the transaction canceled was the one I made through the XXXX XXXX XXXX, not the one I asked ( through online bill pay ). XXXX XXXX XXXX reopened my loan since the transaction was reverted, and they say they didnt receive the other transaction. Since then Ive called PNC many times. First they said the money was in the way and I had to wait. In a second call they said they said that the account number that I used in my online bill payment was wrong ( which I doubt ), Ive started a disputes ( twice ) and they keep closing my dispute without solving my problem. I feel like the bank is not taking my problem seriously, its more than 16 thousand missing in my account, each day passing the interest is being build on my loans ( more than {$3.00} per day ). Ive also been in one of the branches in person, they keep saying that someone is going to call me, but no one ever did. Beside the interest being build in my loans, the stress of not having the money in my account is affecting my personal and professional life. | ||||||
| 04/20/2019 | Yes |
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| On XX/XX/2019 at approximately XXXX XXXX EST, I awoke to an email alert, timestamped XXXX am, on my phone and it stated my account was over drawn. I immediately checked my account through online and mobile banking. I was surprised to see an ACH debit I forgot about did in fact overdraft by {$10.00} usd. I also saw that I was charged the overdraft fee of {$36.00}. I am set up for account alerts so I was shocked to see as soon as I was in receipt of the alert the fee was already assessed. I contacted PNC Bank customer service and expressed my concerns but was told by the representative " it looks like the fee was properly assessed. Me personally, I don't use those alerts. I use xyz alerts. They are in real time. '' She informed me there was nothing she could do about the situation. I asked to speak with a supervisor. She said she could take my number and a manager would call me another time to discuss ways to avoid this in the future. I told her that was unacceptable and I would like to speak with someone at the present time. I was put on hold for a few minutes. The manager came on and said the alert is not in real time and there are a different set of alerts to sign up for that are in real time. He said " I see you have online/mobile banking so you can check your account at anytime. '' I'm not sure what this had to do with my situation. He said the account is processed at XXXX and that is when the account actually shows overdrawn and the fee is assessed at that time and the alert is emailed after the fact. I asked him " If the card was not physically used by the customer what reason would you have to just assume your account needed attention. '' Bottom line is that neither the representative nor the manager even attempted to assist with the situation. I am really considering closing all accounts and cutting all association with this institution. If you are told setting up banking alerts are a great option so you do and later when an issue happens you are told you should have signed up for another specific set of alerts just does not seem like you are concerned with customer service nor satisfaction. | ||||||
| 03/03/2017 | Yes |
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| In mid-XX/XX/2016, I called PNC, after XXXX years of banking with them, to close my checking account ( I had moved across country and chose to bank closer to home ). I was told that I had to have XXXX transactions for XXXX days in order for the account to be closed. This seemed odd, as XXXX, where I also had a checking account, closed my account within five minutes. I have also not been able to find this XXXX policy in any PNC account agreement. Though I was careful to transfer over all my auto-payments, I requested that PNC reject any payments that might accidentally slip through. However, a direct-deposit that I was not aware of from an old job entered the PNC account, nulling the time of no transactions and re-starting the XXXX day period. During this second period of waiting XXXX days to close my account, XXXX, despite the fact that I had linked my XXXX account to my new bank account, accessed my PNC account for an XXXX payment ( I was told by a XXXX agent that even though I had switched my account with XXXX and that I was choosing to pay with XXXX, I had to redirect my payment directly with XXXX. I 'm still not sure about this policy ), thus nulling once more this XXXX period and generating an overdraft fee. Since I had already requested of PNC to reject all payments, I did not check my PNC account until weeks later, after which a couple XXXX dollars of overdraft fees had been generated. After hours of discussing this issue with PNC agents, one finally agreed to refund fees, but only half. PNC is holding me accountable for over a XXXX dollars of fees that were generated after they refused to close my account when I requested, and to reject payments after they agreed to do so. I have called two separate agents directly in the Retail Escalations department, and neither have returned my phone messages for two weeks. My account is due to be sent to collections, all because PNC would not close my account upon my request. I am not responsible for these fees, and I simply want the account closed. I had a great relationship with PNC for over a decade, all of which has been nulled from this experience. | ||||||
| 06/29/2022 | Yes |
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| The original debt was with BBVA Compass Bank which is now owned by PNC Bank. PNC is attempting to collect a debt which they are alleging I owe in amount of {$1500.00}. This is the first time Ive heard of any of this. Insurance and XXXX coverage paid the vehicle off in XXXX. Furthermore there was also a lawsuit filed in the United Stated District Court for the District of Arizona XXXX XXXX XXXX. : XXXX regarding a cease and desist when the account was active to stop calling and texting. When the representative XXXX XXXX called and texted on XX/XX/XXXX I spoke with and advised of the previous payoff and settlement with Compass Bank and sent copy of settlement agreement. Spoke with XXXX again yesterday XX/XX/XXXX and he advised he will need to send the information to his supervisors for review and will call back. XXXX was extremely professional and respectful following all protocol and laws. Today XX/XX/XXXX I received a call from XXXX XXXX and she was not only harassing but threatening to put a lien on my house ( even though I dont own a home ), garnish my wages ( I am unemployed ), and garnish my bank account. I told her she would need a judgment and she said they do not. Furthermore the last payment made in this account was XXXX of XXXX which is older than the statute of limitations of 4 years for an auto loan debt. She advised that doesnt matter and they will continue to call and text until this debt is paid. Screenshot for texting to stop is attached. XXXX is very wrong. I asked PNC to cease and desist and she stated that is not an option. I said under the FDCPA it is required they stop contracting me if I have asked them to stop calling. She then was very rude and said she will not take advice from someone who doesnt pay their bills. Very unprofessional. Ive advised PNC of the dispute in writing and Arizona ( where the loan contract originated ) Statute of Limitations of 4 years. Furthermore this is the first time Ive heard from Compass Bank or anyone regarding this account since XX/XX/XXXX. They continue to harass and it has gotten to the point that it is causing loss of enjoyment of my life. | ||||||
| 04/02/2019 | Yes |
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| I spoke to XXXX XXXX EVP and Director of Customer Relations today. My first concern is I do not believe PNC Bank is fully disclosing the fees associated with their Performance Select Checking because it says on page three " Performance Select Checking No charge of PNC Exclusive Checks. '' I was told by XXXX SVP of Customer Relations it is only the Master Account that receives free checks. The fact that it is only the Master Account is a material fact and there is no reference on the fee disclosure that it is only for the Master Account. I have spent at least 4 hours on the phone to get my accounts switched to Performance Select Checking as I meet their requirements and receive my free checks. They finally agreed to provide the checks and said they were going to investigate. I requested that I should get free checks for the life of my accounts since I spent 4 hours on the phone and complained about the lack of full disclosure. XXXX refused. My second concern is that I believe I have been retaliated against and discriminated against as I have complained in the past and XXXX told me that I had complained before. It should be known that PNC Bank flags customers accounts if they complain and this information is visible to anyone servicing the accounts. Therefore if you complain your account is labeled a complainer. It should be mentioned the additional harassment occurred by XXXX XXXX EVP when she said the regulators require it. It was not until I pressed to confirm that the regulators require PNC Bank to track complaints by customer name and account number that she back tracked and said that was just part of PNC Banks robust customer complaint tracking. XXXX XXXX tried to use the regulators as justification for labeling customers as complainer and intimidate me the customer, which complete harassment. I believe if you complain you are labeled and receive poor customer service so they can get customers to leave and avoid reporting to the regulators. This is validated by my treatment and the fact that I have been on the phone for 4 hours to simply get switched into account I clearly qualify for. | ||||||
| 07/17/2023 | Yes |
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| On XX/XX/XXXX, I contacted my bank customer service rep through my online banking messaging center. I inquired about getting several over draft fees waived that totals an amount of {$210.00}. I only receive one SSA check on the 3rd each month. I have previously had to request a refund for overdraft fees a few months ago as well and was granted, but this time I was not granted. I understand that I have overdrafted my account, but I also get charged excessive fees every week that my account is in overdraft because I never have additional funds to deposit due to being stuck on one monthly SSA check. My check gets deposited every month and it covers the full overdraft amount plus the excessive fees they charged on my account which puts it even more into overdraft. I barely ever have funds left over after my check pays for the full amount. The rep I messaged told me that I am not eligible, and that my account will be closed and charged off if I dont make a deposit. I let the rep know that it will be impossible to make a deposit as I dont have any additional funds to deposit until my next SSA check deposits into the account on the 3rd, and explained that if my account can get credited for the {$210.00} in overdraft fees, then my account will be back in the positive and would not need to be closed and charged off. The rep then said that she will forward it to a manager for further review and I will receive a call within 24 to 48 hours. I can not receive any calls right now due to not having enough funds to pay my cell phone bill after paying rent plus paying excessive overdraft fees out of my check. This should be illegal for people who only receives one small check every month. I received a message today, XX/XX/XXXX, from a case XXXX named XXXX XXXX from retail support saying that they have tried to call but was not able to reach me. Well I explained to customer service rep that my phoe service is off and will not be back on until XXXX XXXX when I receive my next check. I will not be able to contact anyone until then. In the meantime, all I ask is to refund the excessive fees back into my account. | ||||||
| 07/27/2016 | Yes |
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| During the billing cycle of XXXX XXXX to XXXX XXXX, XXXX, {$20.00} was taken out of my checking account. I had opened a checking and savings account in XXXX XXXX. I had a promotional interest rate on my account for six months. Due to incorrect interest rates, I left {$10000.00} in my savings account which was advised by the PNC representative as the matters was being resolved. The following month, the {$20.00} was taken out of my checking account as a charge with no explanation. No following charges were taken out. The account savings was the same type and the balance had not changed. A PNC representative stated the {$20.00} was a fee. However, the balance in XXXX accounts remained the same. We stated this and in XXXX XXXX, a PNC representative informed us the {$20.00} refund would take XXXX10 days. However we did not see it and when we called, they stated it would take 45 days. On XXXX XXXX, my sister and I went to PNC directly and asked for another service request to be submitted and this time we got a copy. The representative stated that the last service request was granted but the checking account was closed so PNC had no account to deposit the {$20.00} to. My savings account is still open and I asked for the money to be deposited there to which the PNC representative stated that is impossible because the money needs to be deposited into the original account. Seeing my displeasure, the representative submitted another service request, which I got a copy of. On XXXX XXXX, I followed up on the service request. The PNC representative stated that no money could be refunded, again stating that the checking account should have never been closed if there was money to be refunded. The situation had escalated to XXXX levels ( the manager and branch manager ) in the bank, and nothing could be done. The acknowledgement of taking out my {$20.00} and not giving it back because the checking account is closed does not make sense to me. The {$20.00} was originally in the checking account ; however, my savings account is open and I was informed that it would not matter if I closed the checking account. | ||||||
| 11/04/2023 | Yes |
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Web | Servicemember |
| XXXX, XXXX XXXX XXXX. As Trustee for the Estate, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and all other derivatives say the following with clean hands ; The XXXX XXXX XXXX PNC BANK, NA, XXXX, Pennsylvania, with law firm XXXX XXXX XXXX did file an unlawful debt collection action, using the private venue XXXX XXXX of New Jersey, Cause number XXXX without proper Notice/Summons. Attorney XXXX XXXX, and his firm at no time, despite many request in writing and affidavit to prove the contract and debt failed to do so sent to PNC BANK, NA, c/o XXXX XXXX XXXX There is no " Mortgage ''. No funds were ever received, and they use deceptive language making claims, violations for 18 USC 1342, 1341, 39 USC 3005. They violate Trust Law and Canon Law, with their dishonesty, bearing false witness, false and misleading statements, unfair and deceptive business practices. They are not the Creditors, nor the agent by Power of Attorney to act as such. Fair Debt Collection Practices Act with clear and concise notice mandate debt collectors notify all [ debtors ] prior to attempting to any adverse actions, they did not. I have sent them a Debt validation Demand letter, via U.S. Post Office Mail, certification number XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX XXXX, XXXX, as per the Fair Debt Collection Practices Act, giving them 30 days to answer who the creditor, address and other debt validation mandates. I am very much present, full of life, in the age for Majority, despite the false Notice the people for XXXX XXXX XXXX, XXXX. placed in out of are newspaper- The Observer I have also found out today, the entity known as XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX claims to own the mortgage, but not the Note, meaning a separation of Note from Mortgage, under Carpenter vs Logan , 83 U.S. 271, 21 L. Ed . 313, 16 Wll. 271. making the Note and Mortgage void.. Attaching document downloaded from XXXX XXXX " Loan Look up Tool '' as evidence, not holder in due course, no Note. XXXX XXXX was never entered on the caption for the unlawful cause of action claim in no jurisdiction State of New Jersey Venue. | ||||||
| 03/16/2023 | Yes |
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| I received a letter ( dated XX/XX/XXXX ) from PNC Bank titled " Required notices regarding the Private Mortgage Insurance ( PMI ) on your loan. '' This letter provides two methods of how PNC will cancel the PMI. The two methods PNC Bank provided in the letter are : a. request to cancel PMI b. Automatic cancellation of PMI Page two of this letter states the two requirements for automatically canceling the PMI. The first requirement says that when my loan 's principal balance reaches 78 % of the property 's original value. I contacted PNC In XX/XX/XXXX requesting the automatic cancellation of the PMI based on the information PNC provided in the first requirement of the page two letter dated XX/XX/XXXX. The PNC agent informed me that the PNC Bank would cancel the PMI automatically. Also, I told the PNC agent that the PMI should have been automatically canceled in XX/XX/XXXX since my principal balance has attained 78 % of the property 's original value. Also, I requested PMI reimbursement from XX/XX/XXXX, when my principal balance reached 78 % of the property 's original value. The PNC agent acknowledged and stated that the PNC Bank would process my request for the PMI automatic cancellation. In XX/XX/XXXX, I did not see the reflection of the PMI cancellation on my mortgage account and requested automatic cancellation of the PMI based on the letter dated XX/XX/XXXX. I contacted PNC Bank concerning the PMI automatic cancellation. I provided the information in the letter dated XX/XX/XXXX and the information the agent told me in XXXX to the PNC Bank agent. This agent stated that the amortization schedule will not trigger the automatic cancellation until XX/XX/XXXX, and the principal reduction payment will not qualify for automatic cancellation. Also, I requested the amortization schedule, and the agent stated that PNC Bank would not provide the amortization schedule to me. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from PNC Bank stating the PMI would be removed in XX/XX/XXXX and I should provide proof that my property value supports an LTV ratio of 80 % before the PMI can be canceled. | ||||||
| 12/15/2020 | Yes |
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| I was a joint owner on a checking account with my daughter at PNC bank. XX/XX/2020 she was scammed by a company causing an overdraft on her account of over XXXX. She filed necessary paperwork to have the scam investigate since it was her account and I had no part in the checks being received or deposited. On XX/XX/XXXX, at noon, my daughter and I had an appointment with Ms XXXX XXXX, PNC bank representative of XXXX XXXX branch to have my name removed from the account, since the account was opened when she was a minor. I had called another branch office on XXXX XXXX, to see what policy was to have name removed from the account and the person that answered the phone told me it would be no problem since the account was established when she was a minor. I asked for copies off the signed paperwork we signed and asked how long would it take to remove my name from the account. Ms XXXX XXXX told me that I did not need a copy and that I would receive something in the mail 3- 5 business days from the bank stating that my name was removed from the account. My daughter told her at that time that she would totally be responsible for the account. I also signed the log book when I entered the branch. Ms XXXX also asked me why was I taking my name off he account and I told her, did she need to ask. On XX/XX/2020 I was contacted from the recovery department of PNC regarding this matter of {$6000.00} deficit on the account, and I told the person that the account was no longer in my name and to contact me after she did her research. I went into another branch that day and was told all of my accounts were closed. I further proceeded to call PNC customer service and was told that I had to call on Monday -Friday between hours of XXXX to find out why my accounts were closed and that a letter and cashier check was sent out on XX/XX/2020 of which I have not received any correspondence since my daughter moved out in XX/XX/2020. Today, my daughter text me to tell me that the paperwork that we signed does not exist and that the bank has no record of the paperwork filed at PNC bank XXXX XXXX branch in MD on XX/XX/2020. | ||||||
| 08/01/2022 | Yes |
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| I am submitting this complaint on my own behalf regarding attempted debt collection activities from PNC Bank. Back in XXXX of 2021, I received a notice from PNC Bank stating that I allegedly owed them a debt. I have NEVER entered into any consumer credit transaction with PNC Bank. I sent PNC Bank a letter by certified mail with return receipt that they indeed received ( See attachments ) In XXXX of 2021. In this letter I asked them to provide me with debt validation pursuant to the FDCPA. In this notice I also told PNC Bank not to contact me by telephone. I gave them consent to mail me any correspondences ( see attachments ). To this date I still have not received debt validation which is a violation of the FDCPA 15 usc 1692g yet they continue to mail me statements and demand payment. PNC Bank is also in violation of 15 usc 1692d. I asked for them not to contact me by phone in my notice to them in XXXX. PNC Bank has continued to call my phone all throughout the day into the late evening. I've asked multiple reps to note the account for them not to call me but the calls have continued. One rep even told me they would call me until they received a written request, which I've done. I am a truck driver who works various shifts, their calls break my rest all the time which could be harmful to myself and others as I have to drive over the road, they call me at work and other times which are ALWAYS inconvenient for me which is why I told them NOT to contact me by phone. This is a violation of 15 usc 1692c. Because I know that I never entered into a consumer credit transaction with PNC Bank I asked them to provide me with documented evidence that showed my alleged indebtness to them, the original promissory note and a letter of sale or assignment from the " original creditor '' ( see attachments ) to PNC Bank, which again they have not provided. I am now submitting this complaint to the Arkansas Attorney General and any other regulators and legal counsel who will assist me in this matter as I have enough proof to move forward with legal suit for willful noncompliance of the FDCPA and seek damages. | ||||||
| 05/07/2018 | Yes |
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Web | Servicemember |
| Overdraft was caused in XX/XX/XXXX due to erroneous XXXX billing. It was a weekend so i contacted XXXX and they agreed to reverse the charge. On the following Monday I went into the PNC branch and asked the manager to reverse the overfrafts. I showed her the email from XXXX support and she refused and said I had to file a dispute ... which I did. I told her i would be closing account as I'm unemployed and alimony is $ XXXX month. At that point they had already assessed approx {$300.00} in overdraft charges. I don't know about you but {$700.00} remaining isn't going to cover monthly expenses much less food! I respectfully request the CFPB subpoena all email messages sent to PNC customer support via their secure email system. These messages which I no longer have access to clearly state I told them to close the account. Fast forward 3+ months they continued to charge monthly service and overdraft charges amounting to over $ 500+. While they did refund {$150.00} it is inexcuseable dishonest conduct. Please see attached documentation. I'm in the middle of a messy divorce so this and financial concerns has taken a back seat. The other issue is our MD state tax refund that was to go to my soon to be ex was mistakenly deposited into the PNC account as a clerk in accountant 's office used my PNC account into instead of his ... and PNC took the ENTIRE refund in overdraft charges ... had they been honest from the beginning and refunded the overdraft charges NONE of this would have happened. Again please subpoena those messages from both my personal checking account and business XXXX XXXX XXXX. They clearly indicate the accounts were to be closed so they have continued to rack up deceitful charges for months. Horrible bank. Horrible situation and complete lack of empathy or understanding on a situation that was not my fault. As far as their assertions w XXXX they had already been notified and given alternate cc number so not sure why ... and had they closed account it wouldn't have been an issue. Also PNC has been told not to call me ... and I would appreciate if they communicate only through you | ||||||
| 08/13/2016 | Yes |
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| ON XX/XX/XXXXI SIGNED DOCUMENTS WITH NATIONAL CITY FOR A PIGGYBACK OR SECOND MORTGAGE TO PURCHASE MY FIRST ANY ONLY HOME.I WAS LATER INFORMED BY NATIONAL CITY THAT PNC BANK HAS MY MORTGAGE, I CONTINUE TO MAKE MY MONTHLY PAYMENTS TO PNC BANK WITHOUT ANY MONTHLY STATEMENT. I LATER RECEIVED A CALL FROM PNC BANK INFORMING ME THAT THEY WILL SEND ME MONTHLY STATEMENTS WHICH I RECEIVED.IN XX/XX/XXXX, I PAID OFF ALL LATE CHARGES AND PAYMENT DUE FOR THAT MONTH. I RECEIVED A PAYMENT BOOKLET IN THE MAIL AT WHICH TIME I CONTACTED PNC BANK AND ASKED WHY WAS I NOT RECEIVING ANY MORE MONTHLY STATEMENT. I WAS TOLD I HAD MADE PAYMENTS BEFORE SCHEDULED DATE BUT I WILL BE MAILED MONTHLY STATEMENTS AS I REQUESTED. THE WOMAN I SPOKE TO KEPT REFERRING TO THE MORTGAGE AS A HOME EQUITY LOAN ; I EXPLAIN TO HER THIS IS A SECOND MORTGAGE OR PIGGYBACK MORTGAGE THAT WAS GIVEN TO BE ALONG WITH ANOTHER MORTGAGE. ON XXXX XXXX ; I RECEIVED A STATEMENT IN THE MAIL. PMT AMT DUE {$31000.00}. LATE CHARGE {$3100.00}. PREV. LATE CRG {$260.00}. TOTAL AMT DUE {$35000.00} DUE XX/XX/XXXX.THE PAYMENT BOOKLET I RECEIVED EARLIER HAD PRINCIPAL BALANCE OF {$31000.00}. I CALLED PNC BANK AND WAS TOLD THAT MY MORTGAGE HAD MATURE AND I AM EXPECTED TO MAKE THE BALOON PAYMENT OF FULL PAYMENT.I ASKED WHY I WAS NOT INFORMED BY PNC BANK BY EMAIL OR MAIL OR WHEN I HAD CALLED ABOUT THE BOOKLET I RECEIVED IN THE MAIL? I WAS NOT GIVEN AN ANSWER OR EXPLANATION.WHEN I ASKED IF THE INTEREST RATE WAS FIXED OR VARIABLE I WAS NOT GIVEN AN ANSWER. I HAVE MY OTHER MORTGAGE WITH XXXX BANK I RECEIVE MAIL INFORMING ME OF CHANGES I MY MORTGAGE PAYMENT. WHY IS NOT PNC BANKING DOING THE SAME?. I HAVE BEEN MAKING PAYMENT ON THIS MORTGAGE FOR THE PAST 15 YEARS I DID NOT OWN A HOME WHEN I TOOK THIS MORTGAGE WITH NATIONAL CITY ; HOW COULD THIS BE A HOME EQUITY LOAN? I AM REQUESTING HELP BECAUSE THIS DOES NOT APPEAR RIGHT OR LEGAL. WHEN I WAS PURCHASING MY HOME I WAS VERY EAGER TO OWN MY FIRST HOME AND DID NOT PAY ATTENTION TO THE FINE PRINTS AND WAS NEVER INFORMED BY PNC BANK OVER THE YEARS OR AT ANY TIME THAT MY MORTGAGE HAD A MATURITY DATE. I NEED HELP PLEASE. | ||||||
| 04/21/2016 | Yes |
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| XX/XX/2016 our prior mortgage company sold our mortgage to PNC Mortgage. with our first payment to the new company to begin on XXXX XXXX. PNC did not have us set up in their system so we were able to pay over the phone without any extra charge. For the XX/XX/XXXX Payment I paid on line and was charged a extra fee of {$7.00} even though in this day and age everyone pretty much pays their bills on line I do n't think we should be charged for a service in which they get they funds quicker ... that is the first issue. Here 's where the big issue starts ... for the XX/XX/XXXX payment I sent in a check with the coupon from the book they sent us. I made my check for the amt. they had on the XX/XX/XXXX coupon only to be told that we did not submit the correct amount that we still owed {$81.00} more even though that 's not the amt. on the coupon. They called and said they were holding our funds but cashed our check. After speaking with a supervisor who did a escrow analysis on our account we were told that we only owed {$24.00} and received a confirmation number that we paid the extra funds. We were told that a new coupons with the additional {$24.00} each month would be sent with the corrected amt. We now received a letter saying that we owe an additional amount of {$56.00}. Just prior to the sell of our Mortgage we made a payment of {$500.00} to our escrow to make sure it would not be short and to keep our payments the same or less. Also the PMI came off during this time, plus we lowered our homeowners ins. We have never been late or short during the 13 yrs. that we have had our mortgage, if anything we overpay when we can to help pay it off sooner. PNC keeps changing the amount which is causing us to look late when in fact we are not. We feel PNC is purposely causing this issue by not having their books straight. We have never experienced this with any of the other companies that have purchased our account in the past. We feel that they are tacking on additional funds that are not suppose to be there. Please help us resolve this issue. We have no idea as to what we are to pay in XX/XX/XXXX. | ||||||
| 10/31/2023 | Yes |
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| On XX/XX/2023 at XXXX, I received a phone call from XXXX ( XXXX ) XXXX stating that a woman by the name XXXX XXXX in Florida made an unauthorized, fraudulent transfer through XXXX on my PNC account in the amount of {$2500.00}. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX ( XXXX XXXX ). He then prompted me to enter my home address, email address, and phone number as the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account. He asked me to state the confirmation number. He kept asking me to log out of my account and then log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX ( XXXX XXXX XXXX XXXX ). This wire transfer was completed. He asked me to transfer the amount in my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX. At this point I told him I do not feel comfortable clicking the link for the apple payment and he reassured me that this is standard procedure to get my funds back. I hung up and called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back tomorrow, there is no guarantee I will get my funds back from the wire transfer. | ||||||
| 06/11/2015 | Yes |
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| I opened a Savings account with PNC BANK. To start, they had a {$100.00} monetary gift I was not aware of. This was oppenned in XX/XX/XXXX. Then in XXXX XXXXI spoke with XXXX XXXX about their brokerage account and had $ XXXXXXXXwired to the from XXXX . I Opened an account to have a debit card I can use. AfterFUNDS were wired by XXXX, he asked some me to open a checking account with them. I told him I do n't need to because I have XXXX checking accounts with my other XXXX. Then I told him that they never gave me {$100.00} for opening a savings account with XXXX back in XXXX. I asked XXXX XXXX about their new promo of {$200.00} to opena checking account and he said I 'm not eligible for it. I declined to receive a checkingaccount. He forced me to open XXXX because it 's no harm to get XXXX. I okay to get theChecking account but did not give me promo offer. XXXX month later, I was transferring fundsfrom XXXX and PNC BANK, my account got over drawn by XXXX. Nobody at the bankInformed me about It even though mostly everyone there knows me. Then a collection letterWas received for {$500.00} and some change. I went to PNC BANK to speak to XXXX, branch manager of XXXX XXXX XXXX and told me that XXXX was moved to a different branch. I asked her about the delinquency and how {$30.00} became {$500.00}, andshe gave me a customer service line that is a robot call and I get disconnected everytimeI call the number. And why was I not offered over draft protection for the Checking accountthey insist I have, she told me she would look in to it And never heard from her again even after leaving numerous messages for her. I called main phone number for PNC BANK andI was transferred to the escalation department, and I found out that I have XXXX checking accounts but no protection from over drafts. I bank with XXXX and XXXX so I never had this problem before. She handled FTC CASES, and did n't help me out. She dunned me for the entire balance. Now my credit is jeopardized due to neglect and poor quality of service. I want them to fix this problem and I hope you can help me. Thank you, XXXX XXXX XXXX | ||||||
| 10/09/2023 | Yes |
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| On XX/XX/2023, my husband and I met with XXXX XXXX from PNC Bank located at XXXX XXXX XXXX, XXXX, MD XXXX at XXXXXX/XX/XXXX. We inquired and submitted a loan application for a personal loan in the amount of {$8000.00} and wanted to increase my husband 's credit score, thereby, asking for the loan to be in my husband 's name as the primary borrower and myself as the secondary borrower since I had great credit. The loan was denied based on my husband 's credit score. We met with XXXX XXXX again on XX/XX/XXXX at XXXX and completed another application with myself as the primary and my husband as the secondary borrower and the loan was denied due to my husband 's credit score which baffled us. Prior to XX/XX/XXXX, I applied a third time for the loan by myself and it was denied due to too many inquiries from PNC, which baffled my husband and I again. XXXX XXXX contacted the underwriter department to ask for an explanation of the denial and he persuaded their decision, and it was reversed. On XX/XX/XXXX, I met with XXXX to pick up the check in the amount of {$8000.00}. I noticed the interest rate was 17.135 % and asked for an explanation. XXXX gave me the phone number to the consumer loans underwriter department, and I called them on XX/XX/XXXX regarding the explanation of the interest rate. I was given the complaint # XXXX and was told someone will call me back in a few days. PNC called me on XX/XX/XXXX and XX/XX/XXXX regarding my concern and I was told that loan rates are applied based on zip codes as well as the computer algorithm decides the rates for the customer. I questioned both procedures and didn't get an answer. I was finally informed that PNC don't have the personnel to review and approve all the loans, thereby, the computer assists in that area. I strongly believe the loan rate should be around 9 - 13 % based on my credit score of XXXX and not a predatory rate of 17.135 %. I asked for a follow-up call regarding this issue and haven't heard back from PNC. Also, I noticed on my Credit Monitoring report that the PNC {$8000.00} loan has increased to {$8000.00}, which is false. | ||||||
| 05/27/2019 | Yes |
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| My parents both passed away ( Father- XX/XX/XXXX, mother- XXXX XXXX, XXXX ) and we have been trying to close their account since XX/XX/XXXX. I have power of attorney and am the executrix of both their wills. I was a signee on this account, but the bank seems to have no record of Mom and I filling out the card adding me in XXXX XXXX. We were out of the country so my father made this POD to my brother so he could have access to these funds in case something happened to mom. My brother lives in XXXX, MO, out of the PNC Bank footprint, and can not travel because of severe XXXX. Since PNC wouldn't let me have access to the funds, my brother called requesting info/forms to do this. He specifically asked if the letter identifying him and asking for the account to be closed needed to be notarized. The lady told him no, it did not. He sent in the letter/form and death certificats and we waited 3 weeks, no response. Meanwhile, the branch manager here in XXXX, Ky e-mailed in my parents death certificates 2 ( TWO ) times. I pressed the issue here in Kentucky to find out why we hadn't heard anything and they finally told us my brother had to write the letter requesting the account be closed and this time it had to be notarized, which he promptly did. They also needed Mom 's death certificate, so the local branch emailed it in AGAIN. That was over four weeks ago and we still haven't heard one thing from the bank. I have called and visited the local branch several times to find out the delay. I might add my parent 's other account at another local bank was closed in 10 minutes. PNC bank has lied to us, lost my signature card and Mom 's death certificate, put me on hold on the telephone for, literally, HOURS to try to get some action on their part. I have remained calm and patient, but this is getting to the ridiculous stage. I'm beginning to think they aren't going to let us close this account. We NEED this money to pay Mom 's final expenses. We need some help here, they have treated me terrible, although XXXX, the branch manager, has been nice. Please, please do something, it's been 2 months. | ||||||
| 06/08/2022 | Yes |
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| Bank with PNC, at XXXX XXXX XXXX XXXX XXXX Ca XXXX, Fraud Contact number for PNC XXXX on XX/XX/22 I logged into my on line banking to pay bills and transfer funds from one account to my checking account, my account that i use as personal savings was missing over {$4000.00}. It showed that a check for {$4000.00} cleared out of my account on XX/XX/22, when i opened the cleared check, it was a check from a woman named XXXX XXXX XXXX, where she wrote a check to herself for {$4000.00}, I call the bank the next day thinking it was a teller error, for i don't have checks on this account and I am not XXXX XXXX XXXX, the bank later called me said i was a victium of Fraud, someone made this check. The bank closed my account, open another. I went in to the bank the following day to follow up on the process, what to do next, I filed a police report. The bank manager gave me very little information, just that investigation take 120 days and that I will not have access to my money until they are done. I can't pay my bills, I can't get a hold of the Fraud Department to get a update, they provided me a fraud department phone number that only take voicemails and no one calls me back. I have taken the rest of my money out that bank, went to another bank, did not want to loose anymore money, I am having difficulty paying my bills, and have no communication with what is going on, or what the hold up is on this investigation. The bank manager was rude as I was insisting more info, says that Fraud department is taking care of it, the Fraud Department that I can't reach a person. I tried to contact Corporate, there is no contact number for them, only a customer service number, which i called all they did was noted my file. It has been 1 week, I don't have access to my money, I don't have contact person to follow up on, I feel doubly violated, want clear time line, expectation and status of my Fraud Claim. {$4000.00} is lot of money to with hold from a consumer with no contact person to have communication on status. Please help, i need a voice. Police Report Fraud # XXXX with XXXX XXXX from XXXX XXXX | ||||||
| 04/11/2017 | Yes |
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| My husband and I had what we thought was a home equity line of credit on our home but found out that is was a loan that matured at then end of so many years and the total amount of the loan would be due. The loan was with PNC bank, the approximate amount of {$82000.00} and was due XX/XX/2017, we started working with PNC in XX/XX/XXXX to get this loan converted into a regular second mortgage loan. After speaking with numerous people we finally receive a call from a representative that sent us a package to complete and return. Weeks after PNC received the information they finally contacted us needing more information. I would call the representative that was suppose to be our contact person and leave messages regarding the loan and would rarely get a phone call back if one at all. I can not count the times I left messages and no call back. Once we did hear from her we were told that our debt income ratio would not support the loan. We were told to supply them with more information regarding our income and we did so. There again I was trying to get in touch with her because I knew the loan was coming due and there again no call back. I finally had to email someone at the branch to get our representative to contact me. Again, we were told they could not help us with the loan, even after they have had the loan for years and could look back and see how we paid each and every month with not a late payment at all. We then went with another bank supplied all information they needed and toward the end of the process with no problem. But when the mature date came due ( XX/XX/2017 ) and the total {$82000.00} was not paid in full PNC hit our credit with a late payment which dropped both our credit scores by XXXX points and I am sure we will get another hit for XX/XX/XXXX. Because of this, drop in our credit score, our new bank has put a halt on the loan. Therefore, PNC will not grant us the loan and they are preventing us from getting it with any other bank. We just need for PNC to remove the late payment so our credit score will go back to normal and we can get the loan and pay them off. | ||||||
| 11/10/2016 | Yes |
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| PNC bank has assigned account management fees to the Virtual Wallet account products, but does not list these fees in either of the specific products Virtual Wallet account provides so that consumers can track their expenditures, interests, and fees from the bank. Notice of fees are absent from the products that are specifically supposed to provide this information including : 1 ) Calendar 2 ) Account Detail 3 ) Account Activity 4 ) Searches of Transactions. These services are the reason I opened a Virtual Wallet account, because you are able to monitor all transactions, including all deposits, transactions, and interest payments from the bank on that account. They purposefully exclude any fees from the bank on these monitoring services. Any notice fees are limited to the last page of the monthly e-statement and absent from all other products that allow one to monitor their account. After speaking with customer service, it is clear that the bank is able to see the record of fees on their side, but they do not share that information with their customers with virtual wallet accounts. Additionally if you manually search the transaction history for the fee amount they do not show up. This practice is concerning PNC has created, marketed, and built several tools for a specific account that is set to help people monitor their account and they expressly do n't include fees from the bank in these tools, even though they purport to include all information. The inclusion of all transactions and interest accrued and the name of the monitoring tools ( Monthly Calendar with all of the transactions listed ; Account Detail with all of the transactions listed ; Account Activity with a list of all activity including interest payments from the bank to the consumer ; and Search Transactions ) make it seem like any fees would be included and recorded in these areas. They are not, all are omitted. A reasonable consumer would not know about these fees using the tools that PNC put in place so consumers can " monitor '' their accounts, as PNC is omitting these institutional fees from these tools. | ||||||
| 11/04/2016 | Yes |
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Web | Older American |
| XX/XX/2015, XXXX XXXX Mortgage sold the mortgage on my home at XXXX XXXX XXXX XXXX to PNC Bank. At the time I was on automatic withdrawal with XXXX. PNC Bank did not assume the automatic payment method, nor did it send me any paperwork to make changes. However, XX/XX/XXXX I received a statement in the mail which said I was overdue for my XX/XX/XXXX Payment. I immediately called PNC Bank Customer Service, made arrangements for an EFT transfer of funds for XX/XX/XXXX and XX/XX/XXXX payments, and set up automatic transfers on the XXXX of the month for the remainder of the loan beginning XX/XX/2015. The timetable for the two loan payments was 39 days late as of that date ( XX/XX/2015 ). PNC Bank did not make the transfer until XX/XX/XXXX, 34 days after I authorized it. They then turned in a credit report of default of 73 days to the credit agencies on both my wife and me. Additionally, they did not take out the XX/XX/XXXX Payment until XX/XX/XXXX, making me another late payment again. When I set up the first XXXX XXXX XXXX, the person who arranged this assured me and my wife, who was listening on speaker, assured me we would not be penalized with a bad credit report. However, in applying for another mortgage recently ( we are moving ), I was informed by my mortgage broker we were told we had a bad report from PNC Bank, despite our assurances to the contrary. In calling their Consumer Service line, they told me it was my fault and they could n't do anything about it. I have all necessary documents including the fax with instructions and its log, the EFT authorization for the accounts remaining payments, and the bank statement which shows the delay from my instructions and the bank withdrawal ( XX/XX/XXXX and XX/XX/XXXX ). I believe the poor service from the bank and their lack of timeliness in the withdrawals should exempt me and my wife from any penalizing credit reports from PNC. Also, the operator I spoke to today said there was no one else I could talk to when I requested to speak to a manager, and would have to submit my request in writing to an office in XXXX, Ohio. Really? | ||||||
| 06/01/2023 | Yes |
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| This is for pnc bank. They claimed to give me a equity line of credit. It was a credit swap. They said XXXX XXXX you can get {$35000.00} to fix my house. I signed the promise to pay being young and XXXX. For that signature they got {$35000.00} from my trust ( cestique act trust of 1666 ) then when I signed the final document they got another {$35000.00}. I am confused. We have a book from federal reserve called money modern mechanics page two states banks can not lend money. Hmmm. Banks take promises to pay and exchange them for credits. Basic booking entries. Proof Daley vs bank of montgomery 1969. Daley argued the bank must put something up of value and they did not. Do you think a regular person can interpret a Morgage contract? No. You needed to provide a book called XXXX XXXX XXXX to interpret. They did not. This contract is void and refunded plus damages based on fraud and lying in contract. I have a certified public accountant under oath saying all bank loans are fraudulent. Banks have the borrower pay morgage insurance which they get paid again. Then if someone can not pay the credit swap which you call a morgage then they steal the house and sell it again. I also have a affadavid that all debts are prepaid signed by court official. It states clearly will represent all morgages. This is backed by the federal government 100 percent penny by penny. I filed the paperwork with government. They billed my bond every month and asked me for another payment trust fraud and illegal. I am willing to look past this for a full refund plus damages to be paid in federal reserve notes what you call money. I am not a U.S. XXXX XXXX XXXX XXXX XXXXt XXXX. I am a U.S. XXXX XXXX. I have rights a U.S. XXXX does not. The remedy will be my {$35000.00} for the credit swap what you called a loan plus damages. If we can not come to a remedy I will place lean on ceo surety bond, have you audited to see the books all called arbitration also willing to go to court. Your fraudulent system fraud is exposed. You already had a certified letter sent to pnc corporate office addresses to the ceo. | ||||||
| 01/03/2022 | Yes |
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| We contacted XXXX XXXX XXXX about a refund for XXXX separate charges in which we were to receive a brand new phone number, as our emergency cell phone was ringing off the hook. Each time they sent us a RECYCLED number, which had the same issues of non-stop calls and messages from people we didn't know. XXXX XXXX XXXX said they had 'no apparatus ' to start a refund, and that if we wanted a refund to 'contact our bank/credit provider. ' We were told this over 5 times. We contacted PNC bank and started a dispute. PNC bank contacted us and refused, stating no billing error had occurred, even though we explained it was not a billing error. I contacted a manager in the dispute department at PNC, to whom I explained what had happened. She stated XXXX do not dispute prepaid phone charges ( Which makes no sense ) and said she would 'resubmit ' the disputes after I explained what had happened with the purchases. PNC notified us they had once again declined the disputes as there was no billing error. For over one month I have tried to contact the dispute department manager at PNC. I was told on XXXX separate occasions that she would call back the same day. She never did. I contacted XXXX XXXX XXXX, our PNC Private Client Advisor, who notified this manager that she should contact us as it was urgent. She never called. The dispute department says she is 'busy ' when I call, and refuse to connect me with her or another manager. Today, XX/XX/22, I called and PNC Private client advisor XXXX, MLS ID # XXXX ' stated that both the dispute and retail service departments had declined my phone call. There is a woman named XXXX XXXX XXXX who supposedly is in charge of this problem, and I have emailed her XXXX times, called XXXX times and have yet to hear from her ( She did actually call at one point, but has not tried to contact us again, despite repeated attempts. She also never answers her phone. ) I'm so fed up with this ; this is beyond dispute, as XXXX XXXX XXXX has stated specifically to contact our bank. The bank is taking the position to do nothing, which is hard to believe. | ||||||
| 09/21/2021 | Yes |
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| Unfair or deceptive acts by businesses : PNC bank gave me a PPP loan around XX/XX/XXXX, after requesting for and reviewing all the loan application documents they wanted from me.. The gave me a loan of {$100000.00}, which was supposed to be forgiven if it was used for the intended purposes. I used the loan for its intended purposes. In XXXX XXXX, they informed me that based on those very same documents with which they had approved the loan, they now felt they had given me too much money and demanded I pay back over {$11000.00}. They stated they would only forgive about {$88000.00} and not the full {$100000.00} as I had been led to believe. At first, I thought that they had made a error in calculating the appropriate loan amount, but now I do not believe that. How could it be error? They had all the supporting documents and sufficient time to make a determination on how much of a loan to give to customers like me. Business conduct that causes or is likely to cause injury to consumers : this conduct by PNC bank has hurt my business because I now have to find over {$11000.00} to pay back a loan which, as I have stated to them multiple times, I should not, and do not owe. Business conduct that will mislead or is likely to mislead consumers : PNC bank is misleading customers like me for their own financial again. They knew very well exactly what amount of XXXX loan I was entitled to, based on the documents that they had me send in to them. They were well able to calculate the proper loan amount. Yet, they gave me a loan o {$100000.00}, and then a year later, told me that they should have given me only around {$88000.00} based on those same documents that I had submitted to them. They have done this so that I will be forced to repay a portion of the loan with interest to PNC bank, and the interest constitutes monetary gain to PNC bank. So, they have pulled a bait and switch- given me more loan than they feel I am qualified for, with the goal of collecting interest in the unforgiven portion on the loan, and with the intent of profiting the bank by so doing. This is unethical. | ||||||
| 09/20/2016 | Yes |
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| On XXXX XXXX, 2016, I deposited XXXX checks totaling more than {$15000.00} in an ATM machine at a PNC branch during business hours. The checks jammed. The PNC employees were able to retrieve the checks and they sent them in to be processed. They filed a " dispute '' report even though it was their fault. A few weeks later they issued a provisional credit that was {$5.00} less than the amount that was originally supposed to be deposited to my account while they investigated. I noticed that the original checks had cleared but that they were not in my checking account. Note : XXXX of the checks was drawn from PNC (! ). XXXX would think it would be easy to trace for PNC. I received a letter saying to send copies of the cancelled checks in to PNC. I sent them by certified mail to the address that they mentioned in the letter and received the US Postal confirmation to show that PNC received them. I received a letter dated XXXX XXXX, 2016 saying they would be withdrawing the provisional credit on XXXX XXXX, 2016 and that they had found no errors. I went to my local bank branch to complain about this. The PNC employee that I spoke with, sent copies of the cancelled checks and receipt from US Postal Service into the PNC XXXX XXXX. She said that she could not prevent the bank from taking out the provisional credit out of my account right away. It would take several days. My husband had to write a check to prevent any checks from bouncing since we would be leaving for XXXX in a couple days. Finally, on XXXX/XXXX/16 the provisional credit was issued to my account for the full amount. But as of today, XXXX/XXXX/16, they are still investigating it and the checks have not been deposited. I received a letter from PNC dated XXXX/XXXX/16 stating that they need copies of the cancelled checks. If they do n't received them by XXXX/XXXX/16, they will " base our decision on the information available ''. I take this to mean they will reverse the provisional credit again. I told the PNC employee at my local branch on yesterday XXXX XXXX/XXXX/16 XXXX and she recent the cancelled checks once again. | ||||||
| 04/21/2023 | Yes |
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| Security review closed the account from XX/XX/XXXX until XX/XX/XXXX from this time {$150.00} in fees have posted on the account while the account account was never able to be used. Upon calling the company several years ago when they initially close the account a representative told me that these fees would be reinstated since the account was unusable, I would have to just wait until the security review was complete. On XX/XX/XXXX a deposit had been made for the amount of {$1200.00} and {$220.00}. Upon confirmation with the unemployment office, these funds were due to be disbursed to XXXX XXXX with a 1099 form confirming this. I have to pay taxes on funds that I have never had any access to and PNC Bank lied to me and told me that these funds have been returned to the unemployment office on the XXXX of XX/XX/XXXX. Upon filing a complaint with the CFPB this year, PNC responded and stated that they have actually retained these funds and did not actually send them to the unemployment office. The unemployment office has notified me several times if the account has been closed, those funds should have been sent via check and if they were sent back to, as PNC had initially stated, those funds would have been rerouted immediately due to the nature of the funds. PNC Bank has retained funds and has not explained what they plan to do with them If the unemployment agency does not reach out and ask for these funds back. These funds should have been rerouted to the unemployment agency if they were due to be paid out to another individual. Any other deposit that did not have anything to do with the security review, should have been paid as stated. The amount of {$1400.00} was due to be paid out to me with a 1099 confirming this. PNC Bank should also return the funds that were made on the account for the monthly fees totaling {$150.00} for 30 months. I was able to receive a {$600.00} stimulus payment after the account had closed and should have been able to access the {$1400.00} as well. Had I not received the 1099 in the mail this year, I wouldnt have even known those funds were there. | ||||||
| 09/19/2022 | Yes |
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| Ive called for a few months trying to get help with my car loan. I fell on some hard times and I reached out to PNC for assistance. Every time I called a different representative told me different information. I tried to do a deferment and was denied. I tried a hardship loan and was denied. The hardship would take 50 % off of my current monthly payment for 3 months which would have been doable for me at the time and I was denied. I tried to refinance and was denied. I was trying to avoid repossession because I have multiple doctors appointments and my daughter takes me to all of them. Without a car its almost impossible. In XXXX I applied for the hardship loan and a representative told me that I was approved for the loan and I was relieved. Come to find out the representative told me false information and I was not approved. I had made an arrangement to make payment and I had the money, when she told me I was approved I was so ecstatic and I told her I was still going to make the payment. She told me not to make the payment because I was approved for the hardship. She told me in 7 days I would receive a letter stating the payment dates. I double checked and asked her was she sure because I was denied recently and she reassured me that I was approved and not to worry. Seven days went by and then PNC called me and told me I had to make a payment. I then mentioned to them what the representative told me and they said that is not true. I was so upset because you guys use the same system so how am I approved one minute and not the next. The representative then said that the other representative shouldnt have told me that because it wasnt true. So then an investigation was started and the manager from consumer finance called me and said that there was nothing that they could do and that the representative that told me that will undergo more training and that was it. I still couldnt get help from a bank Ive been with for 3 plus years so after all of that they came and repossessed my car so now Im without a car after multiple attempts of reconciliation and none was offered to me. | ||||||
| 01/21/2022 | Yes |
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| We have a HELOC loan that originated with Compass Bank. Compass Bank was bought by BBVA and then BBVA was bought by PNC. When PNC took over the loan in XX/XX/XXXX, I started getting bills on my statement for Past Fees. I called to inquire about these fees and their customer service rep said they did not see any fees on their end and that it was most likely an issue when they took over the loans and that they should be cleared up. They continued to show on the next statements for XXXX and XXXX. I called two more times and was told the same thing, that they would go away after they fixed the account. When they didn't go away, I sent a letter requesting that my account be fixed. They responded by escalating it to another department who sent me a ledger from XX/XX/XXXX when the loan originated. This ledger showed fees in the amount that they billed me, but these were fees that were paid when the loan was started. The ledger even says, " Charges Paid In Cash ''. I have asked that they reimburse me for these charges since they were already paid alost 10 years ago, but they refuse. I don't think it's fair that PNC began charging me for these fees when they took over the loan without explaining to me what these charges were. If these were charges I owed to Compass/BBVA, it would make sense that they would have charged me for them during the 10 years that I've been paying on this loan. It is not fair for a new company to charge for fees that were already paid almost 10 years ago. Additionally, I always pay {$600.00} a month on this loan. The required payment is always the interest on the loan which fluctuates between $ XXXX {$250.00}. The extra amount has always been applied to the principal. I'm showing that I've paid over {$1200.00} since PNC took over the loan, but it is showing as being paid to Other rather than the Principal. {$600.00} plus was paid for these fees. I've asked that the other {$500.00} plus be applied to the principal. They say that it has, but it does not show as applied to principal, it shows under other. They say they can not fix this either. | ||||||
| 07/16/2019 | Yes |
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Web | Servicemember |
| I hired a contractor, XXXX XXXX company to renovate my fire damaged home in XX/XX/2019. I since fired the contractor a week after and put stop payment on two checks, one in the amount of {$10000.00} and the other in the amount of about {$53000.00}. I later found out from my bank XXXX XXXX XXXX the $ XXXX check was attempted to be deposited into the contractors bank account at PNC bank in XX/XX/2019. The check was made out to XXXX XXXX, nowhere on the check did it say XXXX XXXX or the owner of the companies name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX virginia XXXX. The owner of the company tried to deposit the check and PNC held the check pending verification because of suspicion of fraud. This was back in XX/XX/2019. The bank has still not sent the $ XXXX check back to XXXX XXXX XXXX they still are holding on to the funds. I have went into personally the brand where the contractor tried to deposit the check and spoke with the branch manager and staff letting them know the situation. The branch manger said he would send the funds back to XXXX XXXX XXXX he has not. I have called XXXX XXXX XXXX they say the check has been cashed. PNC resolutions department ( Send request inquiry to recall funds File dispute ) ( XXXX ) XXXX XXXX PNC Resolution Specialist - has asked XXXX XXXX XXXX to send a hold harmless inquiry. All this and I just need the PNC bank to release the funds and send them back to XXXX XXXX XXXX. The branch manager who has allowed this insurance check to sit in PNC for two months Is in some sort of collusion with the contractor. Branch manager, XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX I have reached out and spoke with every department and are still at square one with no resolution. Please help with any insight. Our home is still sitting fire damaged with added weather damaged and days go by. My husband is stationed in XXXX and I am in XXXX trying to resolve this matter. Thank you! XXXX XXXX XXXX Check # XXXX Check amount {$53000.00} Call XXXX branch - XXXX They are holding for verification of signature- account # XXXX XXXX XXXX | ||||||
| 10/24/2017 | Yes |
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| I went to Pnc bank XXXX XXXX, Pa on XXXX/XXXX/XXXX for a personal loan and it was handled without any problems. I then ask XXXX XXXX about a lease payoff. She called XXXX XXXX XXXX for gross payoff amount and received {$23000.00} which was good until XXXX/XXXX/XXXX. That was also the date of my next lease payment. She then received hard copies via fax of everything that was needed to satisfy the payoff for XXXX to release the title to Pnc. So far everything went well. I was told the Pnc check ( XXXX ) was sent via XXXX XXXX to the address specified by XXXX. I waited @ XXXX week and called XXXX to see if they received and processed the check and was told they did not receive it. XXXX was calling me everday sometimes multiple times a day asking about a credit card that I signed up. I told they did not get the check and her answer was it sometimes takes 10 days. I waited called XXXX 2 more times and received same answer, no check. Told XXXX again and she did nothing except ask me about credit card activation and useage. Finally on XXXX/XXXX/XXXX my lease payment was due and lease payoff quote expires I called XXXX early and found that tbey never received Pnc 's check. I called XXXX and told her again XXXX 4 times ) that the check was never received by XXXX. She apparently did nothing that day and waited till XXXX/XXXX/XXXX to call them. Now the quote had expired and when she got the payoff quote it was now {$25000.00}! I have already received a loan from Pnc for {$23000.00}. There is a difference of {$1600.00}. XXXX says that its not their fault and will not honor original quote number and Pnc says its not their fault because they did nothing wrong. I am paying {$420.00} to Pnc and {$320.00} to XXXX. My daughter got married on XXXX/XXXX/XXXX and di not have that " extra '' money. Pnc quit trying to help and will not even call me back with their results. I believe the fault is Pnc due the unwillingness of XXXX to follow up on loan. Pnc reissued another check for {$23000.00} and XXXX cashed it. I need help. Someone or both need to step up for their mistakes or complacency. | ||||||
| 02/10/2016 | Yes |
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| PNC Mortgage # XXXX Please understand, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. We applied for a short sale in XXXX XXXX. It was conditionally approved with a list price of $ XXXX. We then obtained a buyer for that full list price and moved out of the home. All of a sudden, in XXXX we were sent a modification offer, no response on the short sale application. We were told ( through our realtor ) to submit a new letter of intent to PNC Underwriter for the short sale and was told to wait 30-45 days for the bank to convert the system back to a short sale template. That brought us all the way into XXXX XXXX. Then the last week in XXXX, we were sent a denial for all options including mod and short sale. A few days later we were sent a HAMP mod offer again???? Within that same letter it states approved for XXXX ( page XXXX ) and denied for HAMP ( page XXXX ). Which is it?. Besides we applied for a short sale not retention. We moved out of the home in XXXX to accommodate the short sale based on the first condition approval. We are still carrying costs for the subject property and now expenses/mortgage for our current residence. I know those new expenses were not accounted for in our review. Nor do I believe the investor was made to understand that any rental income amount in the subject propertly will never offset the proposed modified payment. Our potential buyer is going to request us to cancel the contract and return earnest funds if we do not have a resolution shortly. I do not see any reason this short sale can not move forward and close asap however I can not contact PNC or receive any responses directly and the firm takes a minimum 2-3 weeks to review the status with the client each time. Again, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. Please assist. Thank you | ||||||
| 03/13/2022 | Yes |
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Web | Older American |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXX RE : PNC Bank Freezing my account for 30 days I was notified on XX/XX/2022, that my account was frozen for suspected scam. I was ask by a friend to accept XXXX funds and then buy bit coin and send it on to her. I have know this person for 4 years and trust her. One of the people that sent funds contacted me and said they had been scammed. I offered to return their money, but she must have filed a complaint. The major problem of this situation is the uncaring inhumane policy of PNC Bank. In freezing my account they will not let me access any funds from an ATM. They also will not let me pay my bills such as utilities, taxes, credit cards, and buy medication such as XXXX XXXX until after XX/XX/XXXX. I contacted PNC Bank by phone and was told the above and I would just have to wait until XX/XX/XXXX to do anything. They said an investigator would be contacting me but I have not heard from anyone in the last 16 days. Each person I talked to said nothing could be done to unfreeze my account until XX/XX/XXXX and it could even take 90 days. I feel this is totally unfair when I made an honest mistake thinking I was helping someone. I now have {$34.00} in my pocket to last me until XX/XX/XXXX or beyond to buy food, gas, necessities and mediation. I have been out of XXXX XXXX medication for almost a week. On Friday, XX/XX/2022, I was told PNC was closing my account. I ask when I would be able to get my funds and the branch manager told me he had no idea. That another department would take care of that. The manager has filed complaints on my behalf but still no one has contacted me. I would like to have PNC Bank to remove the freeze on my account since I provided one representative all the information of how this situation came about. I take full responsibility for my mistake and will be glad to make restitution to many one that was harmed in this situation. At this point I would like to have my {$8000.00} plus money as soon as possible since this has become a medical emergency and they do not care about me. | ||||||
| 08/26/2021 | Yes |
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| Hi, I want to fill a complaint to PNC Bank for a car repossession process. This bank started reaching out to me through a collectors number, where they asked me for my social security without explaining reasons for me to provide such delicate information. After calling the bank myself, I was informed I owed payments for my new car loan, however, as I never received an email or official communication from the bank, I did not have any information on my account, status of my mortgage, or anything. When talking to the bank, I requested to have access to my account, for which they said they were going to send me a mail, where I could log in and have access and visibility. A few days later, before I received any formal letter communication that they mentioned they would send, my car got repossessed and towed. Now the PNC Bank is asking me to pay XXXX in fees for repossession, and also the towing company fee which is of more than XXXX dollars. Moreovoer, they are asking me to pay the full amount owed ( XXXX dollars ) cash at their bank, they do not accept any other type of payment. to be forced to pay cash a process like this looks like a scam. Im complaining because this is a very unhealthy and unfair process as a customer. I have the money to pay, but I never received any official information from the bank, now im in this situation with my car towed and the bank states they have tried to reach out, even though I was asking them for formal mail communication and access, which they never did. I hope this serves to help us, the people of the state, to have processes that are transparent and that do not play against us and benefit the banks. This inefficient process and communication, where customers have cero visibility or formal communications, serves to benefit PNC Bank, and is leaving me without car without any notice, paying a ridiculous fee amount in cash to the bank, still without any documentation or access from the bank regarding my account, and now affecting my credit with this repossession while the bank is lucrating from it and obtaining cash money. | ||||||
| 09/01/2018 | Yes |
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| Last fall I obtained an auto loan. To reduce the amount of interest charged for the loan, I agreed to allow the lender to automatically take the monthly auto loan payment from my checking account. Many months later I logged into the bank 's website to review my accounts. I accessed the auto loan account and clicked on the Payment Details tab. The Payment Details tab displayed column headings of Date, Principal, Interest, Late Fees, Other Fees, and Totals. Only a couple of months of payment history details were displayed and the value displayed in the Date column wasn't accurate. It displayed the 4th day of the month even when payment was made on the 5th day of that month. I also saw that the interest charged in a later month was HIGHER than the interest charged in the previous month. There were no online statements -- just a couple rows of history -- so I called the bank 's customer support phone number. The representative did SOMETHING that allowed me to see several more rows of payment history data. When I saw more rows of a higher interest amount, I was really confused. I expected the Interest amount to be less each month because the balance the interest is calculated on is decreased with each payment made. The customer support representative submitted a research request and later I was called back and told me the Interest was higher in the later month because of the number of days in that particular month. I am unable to determine whether what the representative told me is correct or not. I can see only the current loan balance. I can't tell what the loan balance was for prior months. I tried several internet auto loan calculators and none of them had the same values I saw displayed for my loan, including what the monthly payment amount would be the amount I borrowed at the interest rate I thought I had. I thought I had a 60 month loan -- but maybe I really have a 59 month loan -- not sure? I am so confused on what reality actually is. And also afraid to make extra payments since I won't be able to tell how/if the amount is credited to my loan. | ||||||
| 11/19/2022 | Yes |
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Web | Older American |
| My XXXX XXXX daughter had three accounts with PNC, all of which had my wife as a co-account holder. A scam " artist '' reached out to my daughter via social media and convinced her to deposit fraudulent checks " he '' sent to her via email. He also convinced her to " XXXX '' funds to him in the total amount of approximately {$5200.00}, with the promise she would keep some of the deposit for herself. These deposits and transfers occurred from approximately XXXX through XXXX. My daughter 's accounts have since been closed by PNC, which we understand. The deposited checks were determined to be fraudulent yet PNC allowed the XXXX transactions to occur. It would seem the checks should be determined to be valid before a XXXX transfer can ever occur. Even " regular '' deposits ( Including checks written by me to my wife ) take a business day to be officially deposited. We filed a compaint with PNC Fraud but have not heard about our case. As a result, my wife 's accounts ( separate from my daughter and only in her name ) have holds on them for amounts of XXXX ( now XXXX ), XXXX and XXXX. These amounts have also been increased from the original amounts due to fees put on them by PNC. PNC has held the following amounts from my wife 's accounts : XXXX, XXXX and XXXX. Of importance to note is we were never notfied about any of this. My wife found out after I deposited money in her account ( XXXX ) and a debit was rejected ( XXXX XXXX XXXX ) resulting in us calling PNC. Frankly, this is outrageous conduct by PNC, not only for the lack of notification about held funds, but a total lack of interest in my XXXX XXXX being a victim of fraud, to the point where we have not heard from, or been able to express what occurred directly to a fraud investigator. We were not even told my daughter 's accounts were closed until we called. When we saw her accounts at XXXX balances, we wrongly assumed the fraud was adjudicated and everything was fine. PNC has the responsibility as described above, to ensure all deposits are valid to prevent the fruad from occurring in the first place. | ||||||
| 03/21/2019 | Yes |
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| My mortgage is a fixed rate fully amortized installment loan. The payments are automatically deducted on the same day of the month, every month since the loan first originated to take advantage of a rate discount. Although the payments are auto-deducted, I still receive a paper statement. On my paper statement, it provides a breakdown of my payment stating how much will be applied to principal and interest and there is also a section that lists previous payment and how the payment was actually applied. Aprox a year ago, I noticed that the amount that was stated going towards principal was not applied. My statements would indicate a higher portion that would be applied to the balance only to see on the following statement that a lessor amount was actually applied. Some time in XX/XX/2018, I had contacted the lender by phone and also via online chat to inquire about this and was simply informed that the amounts that were reflected on previous payments section were correct but was given no explanation for why my statements continually indicate a higher principal payment portion. Concerned about whether this discrepancy will pay the balance in full at the time of maturity, I requested an amortization schedule. However, the document I received was just a payment history of my mortgage. I made another request via online mortgage customer service message and received another payment history. When I called I was informed that they do not have one to furnish. While my P & I payments are fixed and paid automatically the same day each month, I have no way of knowing how much truly needs to be applied to pay the balance in full at maturity. Typically you trust that the lender has set it up correctly, however, I can not get an explanation for the discrepancy in how or why my payments are being mis-applied each month and whether my unpaid balance is correct. Without an amortization schedule, I can not reconcile that the payments are applied correctly especially since my paper statements is misleading. I have included several months statements for supporting documentation. | ||||||
| 04/04/2020 | Yes |
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| I went to XXXX XXXX XXXX with an ad to purchase a XXXX XXXX XXXX for {$16000.00}. I was told this was the purchase price and signed documents with the correct purchase price. When I was at the dealership, I informed them that I did not want my credit pulled repeatedly and that I was already financed with XXXX XXXX. They stated that they could not give me the sale with XXXX XXXX and that they would run my credit with one other company. They ran my credit with 9 other companies. When I left the dealership they gave me a manila envelope which they stated contained the financial documents. A few days later, I received an email from the dealership stating that I needed to pay {$500.00} more. The dealership was unable to explain the purpose for the additional {$500.00}. When I received a copy of my credit report on XX/XX/XXXX, I noticed that PNC listed the loan for {$33000.00}. I contacted PNC to find out why and they informed me that the documents from the dealership provided these amounts. I went to the dealership on XX/XX/XXXX but was informed that the general manager was not there. On XX/XX/XXXX after two weeks of trying to reach the dealership, I sent an email. I went back to the dealership on XX/XX/XXXX to inquire about the mix up. The general manager, " XXXX '' printed a copy of the documents and I noticed that the documents did not contain my signature or initials and that someone had forged a signature that did not look like my signature nor appear to be my name spelled correctly. I informed the XXXX that I did not sign those documents and that there was fraud. He offered to give me {$3000.00}. I explained that it would not resolve the issue of being overcharged by {$16000.00} and he informed me that there was nothing that he could do and that his employees would not forge someone's signature. I did not authorize anyone at the dealership to sign my name. I never saw the documents with the {$33000.00} amount until I obtain a copy of the altered documents on XX/XX/XXXX. I immediately contacted the bank, police, and credit bureaus to inform them of the fraud. | ||||||
| 08/08/2019 | Yes |
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| My wallet was stolen at a XXXX 's in XXXX on XX/XX/XXXX. Within an hour, I notified XXXX Police, and my banks, including PNC Bank ( I have a debit card and checking account ). PNC froze the debit card and issued a new debit card with a different number, mailing it to my address. I received the new debit card several days later. I also submitted an online disputed transaction to dispute the charge to XXXX ( {$110.00} ) right after my wallet was stolen, before PNC could freeze the account. My account was provisionally credited with the {$110.00}. Several weeks later, on XX/XX/XXXX, I became aware that {$1700.00} was missing from my account. After numerous calls, emails, and in-person meetings at the PNC branch bank, I learned that someone entered the XXXX XXXX PNC bank on XX/XX/XXXX and presented my driver 's license, misrepresenting themself as me. Despite not having the correct debit card number, not matching my signature, not looking like me, and the fact that PNC knew my wallet had been stolen, PNC allowed this person to do a cash withdrawal of {$1700.00} from my bank account, effectively wiping out my account. PNC is now also charging me service charges due to a low account balance when my account balance should not be low. I have made repeated requests for the {$1700.00} ( and service charges ) to be returned to me promptly since this is my only account with a debit card. PNC has told me they need 30 days to investigate. The only thing that needs to be investigated is why they ignored my repeated communications that my wallet was stolen and the account needed to be monitored closely for fraud, why the bank teller egregiously breached policies and protocols and what discipline should be imposed on the bank teller and the bank. I would like my money returned ( ideally with an apology ) and to ensure that this does not happen to others, to the extent possible. I am also requesting that PNC cooperate with the XXXX Police Department and send all of the information about this fraud to my active police investigator, detective, XXXX - police report XXXX | ||||||
| 09/18/2018 | Yes |
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Web | Older American |
| PNC Bank implemented various " enhancements '' XX/XX/2018. The ability to make an online payment to principal was eliminated and not enabled until late XX/XX/2018. My XX/XX/XXXX statement, received XX/XX/2018 did showed neither my payment to principal nor the automatic payment draw from my checking account. These two debits were shown correctly on my checking account. I contacted PNC by phone and traveled to two separate branches to determine what had happened. ( A log of contact events, telephone conversations, phone numbers and summaries for each event is attached. ) I was informed on XX/XX/2018 that my issue was to be addressed PNC Bank 's Retail Escalation Department. It was assigned complaint # XXXX. On XX/XX/2018 I called the Retail Escalation department to get the status of the complaint. Phone requests for this information made on XX/XX/2018 and XX/XX/2018. I was informed PNC Bank had closed the complaint. I asked if I would now be able to make online payments to the principal without further difficulties. I was told I can only make payments to the principal only, either online or at a PNC Branch office, if the payment is executed after the automatic draw from my checking account and before the statement is generated on the last day of the month. I asked if this would be changed in the near future to allow for payments to principal to occur at the customer 's convenience. I was told there are no plans to change the current status. My automatic payment draw is scheduled to occur on the XX/XX/XXXX of the month but has been as late as the XX/XX/XXXX depending of holidays and weekend. This coming XX/XX/XXXX there will be 2 day in which I can make a payment to principal, the XX/XX/XXXX and the XX/XX/XXXX. I find this recently implemented policy that narrows the payment window to be unacceptable. It has all the appearances of a method to inhibit accelerated loan payments thus providing a means for PNC Bank to earn more interest on their HELOC. I wish to see this policy abandoned and the online payment option allowed to occur on any day of the month. | ||||||
| 10/10/2023 | Yes |
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| Subject : Request for Arbitration - Acceptance of Source Data and Signature and Account Closure. I, XXXX XXXX XXXX, hereby submit this arbitration request in accordance with the arbitration clause outlined in the agreement with PNC NA. This request is related to the acceptance of source data and signature valued at XXXX XXXX XXXX USD and the certificate of deposit valued at XXXX XXXX XXXX USD. Details of the Dispute : 1. The Parties : Claimant : XXXX XXXX XXXX XXXX : PNC NA 2. Agreement Reference : The arbitration clause is contained within the agreement between the Claimant and Respondent, which governs the acceptance of source data and signature. 3. Nature of the Dispute : The dispute arises from the alleged failure of PNC NA to accept the provided source data and signature, which is valued at XXXX XXXX XXXX USD. Additionally, PNC NA has failed to recognize the certificate of deposit valued at XXXX XXXX XXXX USD. 4. Efforts to Resolve the Dispute : The Claimant has made multiple attempts to resolve the dispute through direct communication with PNC NA, but all attempts have been unsuccessful. 5. Relief Sought : The Claimant seeks the following relief : - Acceptance of the provided source data and signature valued at XXXX XXXX XXXX USD and account re-established. - Acknowledgment and recognition of the certificate of deposit valued at XXXX XXXX XXXX USD. 6. Applicable Arbitration Clause : The arbitration clause in the agreement between the Claimant and Respondent states that any disputes arising from the agreement shall be resolved through binding arbitration. 7. Arbitration Proceedings : The Claimant hereby requests the initiation of arbitration proceedings to resolve this dispute of account closure and accounting error in accordance with the terms of the arbitration clause. Please confirm your acceptance of this arbitration request and provide information regarding the designated arbitration forum within 15 days as per the CFPB response requirements. Thank you for your prompt attention to this matter. I look forward to a timely resolution. | ||||||
| 02/02/2021 | Yes |
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| PNC charged me back in XX/XX/XXXX attorney fees ( Statement attached ) they used an attorney and filed a motion in the XXXX XXXX requesting relief from Automatic Stay on my property on the other hand the customer service department Authorized a Forbearance plan to me as a consumer for 3 Month since i had hardship due to covid XXXX i had to use my BK attorney at that time to file a motion and opposition cost me {$200.00}, there attorney ended up withdrawn the motion due to the fact i am on Forbearance plan i addressed this issue with the Executive office officer below the client relation and her email are attached Given the Fact that as a consumer i signed the loan documents with XXXX XXXX in XXXX then it was transferred to PNC to service the loan in XXXX in XXXX Given the fact that this is BK case filed because of my financial hardship, and the debt was Discharged on XX/XX/XXXX as well they made an error by utilizing an attorney, ignoring my forbearance and that cost me fees to their counsel and my attorney as well to defend the motion this is the feed back I received from PNC executive office : " in addition, the security instrument has been attached and on the page labeled 9 or 13 bullet point number 14 states : Lender may charge Borrower Fees for services performed in connection with Borrowers default This is something you signed when you received the mortgage. This means that a motion was filed against the debt owed. PNC is required to have legal council as well. These funds will not be reimbursed to you. In addition My Application with Loss Mitigation was denied the 1st time in error then the 2nd application was completed in XX/XX/XXXX but it has been difficult for them to acknowledge my income and acting they they can not understand my letter of explanation Underwriting has been ignoring some of my income They told me before on a recording line " we can not entertain a loan modification at this time " because the investor is not willing to do so They ignored the Covid XXXX Hardship Guidelines that was sent by PNC to XXXX XXXX the investor XXXX XXXX | ||||||
| 04/19/2018 | Yes |
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| Hello, My Name is XXXX XXXX. I am contacting you to address my concern/ complaint against PNC Mortgage as they have not followed through and complied with the law in accordance with Loan Modification due to desaster ( Hurricane Harvey ). I was laid-off from my employment due to Hurricane Harvey on XX/XX/XXXX ( currently employed as of XX/XX/XXXX and not able to bring my account current due to unemployment ). I had contacted my mortgage company ( PNC Mortgage ) inXX/XX/XXXX and informed them of my situation and they placed my loan on Forbearance for six months. During that time, I was in constant communication with my mortgage company and was asked to send in a hardship package if not able to bring the loan current. I did just that in XX/XX/XXXXand I was told the loan could not be reviewed for modification since it was in forbearance and to wait until forbearance ends. My forbearance ended on XX/XX/XXXX. As requested, I emailed the documents to my assigned rep XXXX XXXX on XX/XX/XXXX to make sure they received the documents as the forbearance ended as requested by the rep. Now I'm being told it was not reviewed and that my loan will go to foreclosure proceedings on XX/XX/XXXX. Today, I was asked to send the package again, and I have sent it in again for the 3rd time. I am extremely frustrated with PNC 's process and their representatives do not know what they are doing as they continue to provide wrong information. I do not see any accountability here. When I asked to speak with the manager in-charge I get placed on a long hold and transferred to XXXX XXXX voicemail. I have done everything I was asked to do and complied with all requests furthermore I have been calling PNC every week and keeping in touch with them. I have explained my situation to them several times and that I do not wish to lose my home. I only have close to {$12000.00} left on my mortgage and am getting this run around by PNC. Please investigate my complaint as I do not wish to lose my home. Thank you kindly. XXXX XXXX ( PNC Acct # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , Texas. XXXX | ||||||
| 02/05/2017 | Yes |
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Web | Older American |
| Since you are at the point of being eliminated, I want you to take this very seriously. PNC bank lost thousands of my money in a XXXX project on a LOC. The Bank did not adhere to original contract instructions and used extortion for me not to sue them. Due to a ineffective representation by my attorney, and not being able to contact PNC this has been a nightmare. You fined them once for illegal transactions and foreclosures which happened to me and I am not backing down. Under the FOIA I request that you contact someone other than the XXXX because they only send the same XXXX documents. No one from the XXXX asked me for the original contract or even contacted me. I am tired of this corrupt government entities and being a XXXX year federal employee an very aware how the government works and the waste, fraud and abuse of funds. I am not going to let them take my money and ruin my life which they have, If you look at all PNC complaints you will realize what they have done to many people. I want them prosecuted for the entire LOC and I want damages because it killed my father and ruined my life. They did not know what they were doing and a corrupt township not following state enacted laws and regulations were incompetent. Pennsylvania is number XXXX in corruption and the oversight committee in the state are licensing boards. I have filed with the XXXX and even sent a FOIA request to them and have hard nothing. This is against the law and the previous director was formerly a bank lobbyist in XXXX. I am not asking for anything that should not transpire and I want them prosecuted again. Please respond or I will write the White House. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX P.S. Do not tell me you are not capable to exercise your right in this transaction and under FOIA you only had so many days to respond. The Bank extorted me to sign a document that I would not sue them. What does that tell you. At first I refused but my attorney said they would not release funds I put in myself other than the LOC which is illegal. Waiting to hear from you. | ||||||
| 10/07/2021 | Yes |
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Web | Older American |
| Reference : XXXX previous complaint against PNC Bank I just received notification that PNC Bank needs more time to investigate this complaint. As I stated before, no warning was given, and I had less than 30 days, after receiving numerous letters concerning closures of all my accounts. I don't accept PNC 's delay of needing mire time to resolve the problem. Update : Item 1 ) My Fico Scores with PNC were kept very low of {$800.00} for several months, while I had outstanding accounts and no late payments. While another Bank, where I only had a Credit Card, its Fico Score was XXXX. Item 2 ) I was not offered Disputes several times. Item 2a ) P NC 's Executive Office interfered, trying to cancel my Credit Card and mail me a new one within 5 ( five days ). Since pending purchases, I didn't accept their offer, but took care of the dispute myself within 2 ( two ) hours. Item 2b ) XXXX XXXX debited my Credit Account by mistake, however, deleted the charge a couple of hours later. Informed a Ms. XXXX about the error, however, she told me that the " merchant had been paid '', and the " charge '' was obviously passed on as as the charge. Item 2c ) I also made Ms.XXXX aware of a mistake in her letter, and I was assured that a corrected letter was to be sent to me. As today, XX/XX/XXXX, I never received this promised and corrected letter. New Item of complaint : Item 3 ) I have been unable to log on to PNC Bank lately, trying to retrieve payments made and being considered as deductions for Income Tax purposes, which I would require to file at the beginning of XXXX for the current year of XXXX. Summary : PNC Bank failed numerous times by making mistakes and shortcomings, which I have given its Customer Service including its Corporate Office, and I felt very offended, the way I had been treated with the " thanks for your help '' and closing all of accounts in good standing. Giving me the less than 30 days I had ( due to the postal delivery ), I do expect PNC not to give them more time ( 60 days ) to complete its 'investigation ''. submitted by XXXX XXXX | ||||||
| 05/14/2020 | Yes |
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| PNC is offering forbearance programs for mortgages, like most banks and lenders. However, the repayment options are not clearly outlined. I feel this is on purpose. PNC is luring customers in under the guise of " financial assistance '', and once they are in the program, they are told that a PNC rep will contact them to review options. These options range from paying the amount in full at the end of the term ( essentially 4 months of payments at once ) ... refinancing your mortgage to a higher amount ( even though customers are seeking help because they already cant afford the payments since the economy is shut down ) ... possibly moving the payments to the END of the mortgage ( which seems to be the industry standard ) although PNC refers to them as " delinquencies '' which makes me think it will adversely affect my credit ... or the last option, which is the most absurd " options that allow you to leave your home while avoiding foreclosure '' ( basically a short sale ). These options will not be discussed with customers until they are behind by 3 months of mortgage payments. This program is unclear and arbitrary. There will be thousands of families displaced by this. I was able to call and cancel my forbearance before it started ... although I know many who didn't. NO ONE at PNC that I have spoken with knows what is going on ... even though the first group of forbearance customers are at the end of their term now. PNC doesn't want any potential plan members to know the outcome of the group signed up in XXXX ... I'm sure it is bad for business. PNC should be ashamed of themselves. NOT offering forbearance would be better than the entrapment they are doing now. This will not end well for anyone other than PNC. Please stop them from signing people up. One rep told me that the customers she signed up were " willing to take their chances '' .... I sincerely hope it works in their favor and PNC doesn't end up with blood on their hands. The idea that you will be notified AT THE END OF A LOAN how you will be expected to pay it back, is simply unconscionable. | ||||||
| 11/09/2016 | Yes |
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| PNC advertised a feature for its checking account which stated no fees would be charged to re-order checks. This was one of the reasons that I opened the account. However, after I had the account opened for a few years, the company decided they would charge fees to re-order checks that particular feature of my account would be eliminated. I believe this is a " bait and switch '' type scenario. It is not fair to change the fee structure/ terms of my account because the bank wishes to reduce its expenses. I understand that new account openings would be subject to pay this fee because the terms of the product offerings have changed and they no longer offer the product that I signed up for. I was " notified '' on an online statement ( which I admit I do not check ) that this would be occurring ; however, I do not feel it is acceptable to change account terms when the consumer has not violated any terms of their account agreement. In short, any fees assessed to an account need to be provided when the account is opened. This way the consumer can choose the best product for them. If the fee structure can be increased whenever the bank chooses, then there technically is not any way a consumer can know the actual terms of their product and make a correct selection. I chose a product based on the features it offered, and then that feature was taken away? This is not acceptable and in my humble opinion violates the very spirit of the UDAAP law. While this does not represent a significant monetary damage to my family, it does show that the banking industry is using deceptive marketing tactics to obtain customers and then unfairly removing features from accounts. I feel that I am justified to simply have the product I signed up for. If I bought a car with a navigation system and then the car company stopped putting them into their new cars, would the be justified to remove the navigation system from my car? In no other industry would this type of rationale be considered reasonable. Please consider my complaint and help me to simply have the product I signed up for. | ||||||
| 07/25/2016 | Yes |
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| I recently found out that I had a " 60 day late '' on my loan. This came from when PNC bank took over servicing my loan from the previous company. I have always been an auto pay customer with perfect credit. The PNC takeover undid my auto pay, and due to a mix of poor communication and confusion, my first XXXX payments with PNC were " missed. '' The second it was clear what happened I talked to an agent. She said that she understood the situation, that these things happen, and that there would be no late fees ( I took this to mean we were all set and I was in the clean ). I immediately sent an electronic payment for three months worth of the mortgage and set up a new auto pay. Throughout this whole period I had about 20-30 times the monthly payment available in my checking account. Once I discovered this issue I went though a couple of unhelpful calls with the bank before being told I had to submit my story in writing to request a goodwill or courtesy adjustments. I submitted a long letter documenting the whole story and showing my auto payments in the months before they took over and after. I also shared with them my account balances throughout this period. It would be clear to anyone who took the time to read or think what happened and that this whole situation was confusion over auto payments. After about two or three weeks they replied to my XXXX page letter full of documentation with a XXXX sentence form letter that offered no indication that they even considered my case. They simply denied my queries and declared the case closed. Their communication through the period has been horrific and the complete inability to talk to anyone who has anything to do with the credit agency reporting extremely unhelpful. I ca n't say enough bad things about them. I am a sophisticated person with a XXXX and no actual financial problems at all. I ca n't imagine how they must abuse and take advantage of other folks who are no so lucky and do not have the time or resources to pursue complaints. sent an electronic payment for three months worth of payments. | ||||||
| 01/22/2022 | Yes |
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| PNC Bank keeps harnessing me, and defaming me on my Credit report for a vehicle, and a debt that I am not legally responsible for since they failed to go retrieve the Vehicle from the City Of XXXX. PNC Bank did not file Claim with the City, and relinquished the vehicle to The City of XXXX whole Sold this vehicle while the PNC Bank held the Title to this Vehicle. Im not allowed to legally discuss this because its pending current litigation, and awaiting Supreme Court hearings. You may reach out to my Lawyer XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX PNC Bank held the title to the Vehicle, and could have retrieved this legally under Federal Law, and Chose not to, and could have went after the City since the City sold their Legally held asset. Instead they have decided to come after me, and place this on my credit file, as a repossession when the vehicle was never reposed, and resold by the City. The City of XXXX has a resale Certificate which can be provided by my lawyer. PNC Bank keeps putting this charge onto my Credit report every time I challenge it, and they'll put it back on in another way thus lowering my credit score by XXXX points each time. Ive been XXXX for five years, and my Credit score dropped to XXXX because of this five years ago. Ive been attempting to repair my Credit while waiting litigation in Court that I'm sure will recover the cost of the Vehicle but PNC decides to keep slandering me, and keep hitting my credit report fraudulently each time, and the Credit agency 's allow this, and I keep challenging this. I can not progress in life or live life as a normal person because of this. This keeps me XXXX since no one will rent me an apartment. I have a right to shelter based on the XXXX XXXX act, and PNC slander, and fraudulent activity of posting this multiple times when they have knowledge that there is current pending legal action makes them accountable under law. If you require any legal document please reach out to my lawyer, Im not allowed right now to go deeper or to release any information since it is pending Court Litigation. | ||||||
| 02/16/2018 | Yes |
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| I have been trying to refinance my home and have been unable to because of a HELOC that was included in a Bankruptcy ( discharged in XX/XX/XXXX ) because the bank, ( PNC ) has refused to give a payoff or report the information to the credit bureau on the HELOC. I filed a chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX.PNC was the holder of a HELOC on my property that I continued to pay even though it was included in the bankruptcy.I had tried to obtain a lien release and was quoted a figure of XXXX in XX/XX/XXXX.They claimed I still owed the money even though it was not reported to the credit bureau and they would give no rating in order for my lender in XX/XX/XXXX to do the refinance.They would also not subordinate this lien to a refinance so I had no options.I was paying a 5.25 % interest rate and wanted to refinance it to lower my payments.They were being impossible.I was willing to give them XXXX and get rid of them but they refused to give a payment history to the credit bureau on my payments on the HELOC. It cant work both ways, if the debt doesn't exist because of the bankruptcy then it should be discharged as a lien, if the lien still exists they can give a payment history so I can pay them off.They have not given me a statement or a balance in over 4 years despite many requests.As a mortgage servicer aren't they obligated to? My attorney told me that PNC was now offering lien releases to clients who were in Bankruptcy when I was, apparently they made errors during the process and they were making restitution.I am attaching a copy of the letter sent to other clients.I called them for my lien discharge and they said my bankruptcy dates didn't qualify I advised them that it was in the same time frame as the person who received the attached letter and they said they would have a supervisor call.On XX/XX/XXXX I spoke to a XXXX XXXX at XXXX and he advised that he couldn't address all the issues but it had been elevated and within 1 day I would be contacted by a XXXX XXXX.He could not give a contact number and she has not contacted me. | ||||||
| 02/15/2023 | Yes |
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| SECOND ADDENDUM TO XXXX. THIS SERVES AS AN ADDENDUMM TO COMPLAINT NUMBER XXXX REGARDING XXXX XXXX XXXX XXXX XXXX TEXAS XXXX THE COMPLAINT WAS FILED DUE TO LOOKING AT PROPERTY IN TEXAS DUE TO RELOCATION, AFTER INVESTIGATING WE FOUND FRAUD ACTIVITY ON THE HOME. RECEIVED A RESPONSE FROM PNC STATING THEY HAD NO INVOLVEMENT WITH THE HOME. I AM ATTACHING SUPPORTING DOCUMENTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PURCHASED THE HOME IN XXXX XXXX NO FRAUD THAN WHY DID XXXX XXXX PURCHASE THE HOME. 3. PNC AND XXXXXXXX XXXX ARE CONNECTED, XXXX. WE ARE VICTIMS OF MORTGAGE FRAUD TO INCLUDE BASICALLY EVERY BANK CONNECTED TO XXXXXXXX XXXX XXXX UTILIZED AND EACH REAL AND COMMERCIAL PROPERY WAS STOLEN FROM US VIA THE XXXX TRUSTEE AND JUDGE BECAUSE THEIR COLLEAGES UTILIZED XXXX TO PURCHASE HOMES PRIOR. XXXX. INDIVIDUALS ARE THINKING THEY ARE RECEIVING LOANS FOR MORTGAGES BUT THEY ARE PAYING THE MORTGAGE OF THE SXXXX XXXX. TRUST AND BELIEVE WE ARE NOW EXPERTS ON THIS PROCESS AND WILL FOREVER HOLD EACH PERSON AND ENTITIY ACCOUNTABLE BECAUSE PAYBACK AND RESTORATION TO US WILL TAKE PLACE, THERE ARE NO OTHER OPTIONS. WE WANT ALL PERSONS WHO UTILIZED OUR CREDIT AND IDENTITY TO BECOME WEALTHIER CHARGED AND INDICTED! 8. NOW THE POWERS TO BE KNOW WE ARE NO JOKE. THE WORD IS OUT AND HOMEOWNERS ARE BEGINNING TO SUE THE PANTS OFF OF ENTERPRISES AND THEY SHOULD. 9. WE WILL NOT LET INDIVIDUALS BE VIOLATED KNOWING WHAT IS TAKING PLACE. NEW REZ IS A CRIMINAL ENTERPRISE. GIVEN WHAT HAPPEN TO US AND WHAT THEY DID ILLEGALLY THEY NEED TO GIVE US THIS HOUSE FOR FREE TOTALLY RESTORED BOTH INSIDE AND OUT REAL TALK. THESE ENTERPRISES ARE RUNNING LIKE CRAZY TO COVER ALL THE FRAUD ESPECIALLY PERTAINING TO US BECAUSE THEY KNOW THE PAYBACK IS GOING TO BE FIANCIALY ASTRONOMICAL! WE WILL NOT LET THIS BEHAVIOR CONTINUE BY THESE BANKS AND COMPANIES. HOMEOWNERS ARE BEING EDUCATED! THE CREDIT BUREAUS ARE INVOLVED AS WELL. EVERYONE KNOWS WHO OWN THE XXXX 'S. THERE ARE NO BREECHES. SALE THAT STORY RO SOMEONE ELSE, THE XXXX 'S ARE THE BREECHES! PNC IS LISTED AS A MORTGAGE COMPANY WITH THE THIRD UPLOAD. | ||||||
| 12/09/2015 | Yes |
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| Recently, my daughter and I settled on a house she was purchasing for herself and I was selling on behalf of my parents ' estate. My now-deceased father had a reverse mortgage ; so, essentially, my daughter refinanced the home in her name. Throughout the process of my daughter obtaining a loan from her financial lender, the reverse mortgage company and it 's attorneys pursued foreclosure. During the process of attempting to take over the property and without the knowledge of the estate, the reverse mortgage company made a highly unusual payment of taxes on the property. As the personal representative over the estate, I also paid the taxes. I was later informed through the title company that the taxes were current through XXXX 2016 and that the overage would have to be settled on the day of closing. However, instead of the title company XXXX XXXX XXXX XXXX of XXXX XXXX Maryland XXXX remitting a check due back to me as the seller on behalf of the estate, XXXX XXXX XXXX illegally credited the reverse mortgage company money including part of what the estate had paid. In an email message to the reverse mortgage company requesting the refund due to the estate, I copied the title company. The title company 's representative was very rude responding to the message. However, in her rude response, she states that the money is/was due to the seller. XXXX XXXX in representing XXXX XXXX XXXX used her position at the company to require my daughter to send money to XXXX XXXX in order to close on the desired property. She also used her position to illegally falsify documents in order to credit the reverse mortgage company and finally made an unauthorized wire of funds to the reverse mortgage company that was due to the seller/estate. The actions of XXXX XXXX Company and/or it 's representatives lead me to question how many times they have falsified documents in hope and anticipation of the seller and buyer 's lack of knowledge. Please address this current issue with XXXX XXXX Company. Additionally, an audit of their previous records and dealings should be conducted. | ||||||
| 12/19/2022 | Yes |
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| This is a business account for XXXX XXXX XXXX at PNC Bank. I had a wire come in to this business account for {$85000.00} on XX/XX/2022 from XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX. This was payment for services rendered. Because I had fronted monies for this service from a personal bank account, I needed to withdraw this money from my business account at PNC Bank to my personal account at XXXX XXXX XXXX On XX/XX/2022 I tried to wire this money to my personal account at XXXXXXXX XXXX XXXX The transfer was denied from PNC Bank because it was money going from my business account to a personal account. They did not like this because it had been an international wire. On XX/XX/2022 I was interrogated by the person " investigating '' the event, the Branch Manager and the Business Manager. I was told I HAD to tell them every detail of this transaction as the bank had a " right to know ''. It was an interrogation which all three of them asking questions fast and furiously. The service rendered was the planning and supply of chicken wings from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details should not have been in question, but they were relentless. I was told that it could take up to XXXX weeks for the investigation. I had a medical emergency two weeks later which I informed PNC Bank because I needed access to that money. I was told that the decision had been made to close the account and to reject the wire due to the bank not being able to confirm the wire (? ). The wire was to have been rejected on XX/XX/2022 and I was to reach out to my client so he could send me the money again to another bank outside PNC Bank. My client had not received the wire as on XX/XX/2022 and neither had his bank. I was very concerned as to why. I reached back to PNC Bank and was contacted by XXXX from their XXXX customer service and was told that " No, the account was not closed, but sill on hold and the wire had not been rejected back to the bank where it came from yet ''? She had no idea as to when it would be sent back and that these things take time. | ||||||
| 09/23/2020 | Yes |
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| Opened a checking account around XX/XX/2020 based on a {$300.00} cash bonus for meeting certain requirements. Terms of the requirements are below : 1 The qualifying Direct Deposit ( s ) must be received within the first 60 days of account opening. Your checking account must remain open in order for you to receive the reward, which will be credited to the eligible account within 6090 days after all conditions have been met and will be identified as " Cash Trans Promo Reward '' or " Credits Promo Reward '' on your monthly statement. 2 A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for Virtual Wallet with Performance Select. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits. Terms met on XX/XX/2020 and received email acknowledgement from PNC Bank that the required direct deposits had been received. When the cash bonus was not paid out by the specified time, I reached out to PNC Bank on XX/XX/2020 via online chat. When I inquired why the cash bonus was not paid out I was told I had not met the requirements and quoted different terms and conditions than previously received in writing. I explained in detail that the terms quoted were incorrect and was told a dispute was opened and that I would receive a response within 10 business days. The Bank failed to respond in the specified time. Summary : I met the requirements of the bonus, as specified at the time the account was opened, and PNC failed to pay out the bonus. When I followed up, PNC quoted terms that were materially different that the language provided at account opening. PNC also failed to respond with the specified time period that they had established. | ||||||
| 04/08/2019 | Yes |
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| Since XX/XX/2019, I have requested financial hardship assistance from PNC Mortgage ( as I am officially the successor-in-interest in their files since my parents are deceased ). Going up to the last week of XX/XX/2019, they continuously state they require more files i.e. tax documents, profit/loss statements, paycheck stubs, bank statements. I attempted to contact my point of contact ; however, her voicemail stated she will be out of the office until XX/XX/2019 ( as I began calling at the beginning of XX/XX/2019 ). I made numerous phone calls and e-mails to PNC Loss Mitigation regarding my hardship assistance packet, and I was directed to 6 representatives each requesting documents/receiving documents. On XX/XX/2019, a demand letter was sent regarding the loans had defaulted and they require the whole payment of over {$2200.00} be paid by XX/XX/2019 or they will continue with the foreclosure process. Loss Mitigation contacted me days after stating that my financial hardship assistance case was closed, but they reopened the case because they required more financial documents. They did not send notification and give ample time stating they need my completed profit/loss statements calculated, and they also stated they did not receive my completed tax forms as I previously sent those documents in XX/XX/2019. During the last week of XX/XX/2019, I contacted PNC Loss Mitigation via phone and spoke to the same representative twice that week. They said they finally received my completed application ; however, she stated in both conversations the demand letter sent and the payment must be made in full by XX/XX/2019, or they will initiate the foreclosure process and attorney fees will be included. I have contacted the California Fair Housing Bureau as well and they suggested I contact the Consumer Finance Bureau due to unfair treatment. I have e-mailed my Loss Mitigation point of contact ( as she is supposedly back in office ) regarding these issues, on XX/XX/2019. I believe PNC Mortgage is conducting dual-tracking and misrepresentation which are violations. | ||||||
| 06/15/2018 | Yes |
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| I bought 4 music festival tickets from a guy named XXXX XXXX on XX/XX/XXXX with the agreed price of {$150.00} each. I relied on him, since I already bought 1 ticket from him the year before ( payment was made via XXXX ). He requested the money to be transferred through XXXX - an application that connects with most banks in the US and approved by PNC, he explained he doesn't want to use XXXX because it holds his money for too long. I made some quick research and reviews about XXXX, and feel rather confident since especially it is linked directly with PNC bank. The guy sent me the email with the ticket order confirmation on XX/XX/XXXX, and I went to collect the tickets the next day. Once I have those tickets, I immediately transferred the total amount of {$600.00} to him using XXXX on the PNC banking app. However, when I went to the concert on XX/XX/XXXX, I was told that all our four tickets were cancelled through the credit card that was used to order the tickets. I contacted the XXXX immediately by texts and calls and he texted me back saying that he would send me new confirmation number so I could pick up the tickets again, but he never did. I have later made multiple phone calls to him, but he never picks up his phone anymore. I have contacted PNC bank trying to cancel the transaction, however, they said that the money couldn't be recovered or put as disputed money anymore. And they are sorry. I feel like being betrayed and mislead by PNC for the fact that they back up a money transferring system that has no protection to its loyal customers. I have used PNC as my primary bank since I first came to the US six years ago, and with this incident, it is very hard for me to have my trust in the bank again. I also contacted XXXX both online and via phone, and their customer service is of no help. I went online and found that there were other people who had suffered money lost because the way XXXX and PNC handling transferring money transaction. All of them thought it is a safe service, because, if not, how come it links with their banks?! | ||||||
| 11/20/2021 | Yes |
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| XXXX XXXX to PNC Branches visited in Colorado : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) Beginning XX/XX/2021, I have been unable to access both my business and personal accounts with PNC Bank after the transition from XXXX. I can not transfer any funds between the accounts. I have visited XXXX branches a total oXXXX XXXX times. I have spent countless hours at the branches trying to identify the linking problem I was having. Come to find out, my daughter and I identified the trouble : My XXXX XXXX XXXX daughter has XXXX user ID 's and XXXX has access to my personal money market account, a joint account I have with my husband, my personal checking account, as well as several lines of credit and XXXX additional accounts. My daughter and I have XXXX joint account - PERIOD. She should not have access to my personal accounts ( checking, line of credit or money market accounts. This seems like a breach of my personal privacy. Multiple supervisors and escalations departments in personal banking, online banking, and business banking have been unable to fix this. I only have access to my money market account and a business account when I login with my personal user ID. My last conversation was over XXXX hour and XXXX minutes. No resolution. They will not send me to someone who can fix this XXXX WEEKS LATER! What I have been told is that " they are working on it '' and " we will contact you '' and " these need to be linked ''. The bank branches have each told me that so many clients are experiencing this. That is a red flag and I am out of patience. This is a breach of my personal privacy. Who else is able to access my accounts other than my daughter? That is terribly scary. This PNC transition has been a flawed mess. This is unacceptable and has become a detriment to my business since I can not transfer funds between the different accounts. Given it is the yearend, I am very concerned that I can not make transfers and access my money in a timely manner. I am not willing to frequent the branches. They are unable to rectify this situation. | ||||||
| 12/31/2021 | Yes |
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| On XX/XX/XXXX, XXXX, & XXXX I was scammed by a person pretending to be the owner of a property that I saw in XXXX. I was desperate looking for a house for rent and came across that website. I read the add of a house for rent and I asked to look at it and 30 minutes later the supposed owner contacted me via email. I read what I needed in order to rent it. I even looked up the owners name and the scammer made me believe he was that person. I sent {$2500.00} in the matter of those 3 days. I was sent an email that it was a scam. I didn't want to believe at first. But unfortunately it was true. I contacted the supposed owner and he answered I begged him to please send me my money and he assured it wasn't a scam. I never heard from that person again. I called the number and so did a friend of mine and the number was already disconnected. My mistake was sending the money through XXXX. I right away called my bank and made a police report. The bank was very mean to me. They said that I shouldn't of sent the money if I didn't know the person. I tried to explain and they didn't listen until I called the XXXX #. I have the bank the police report number and I told them I had also reported it to the FTC. The bank said they world investigate it which I feel they never did. I called 3 or 4 times because I was denied. A bank manager was supposed to call me and they never did. I had lost a family member during all that chaos and explained that the scammer took advantage of my situation because I told the scammer that I hoped they weren't fraud because I had just lost a family member that was like a father to me and they acted like they cared. I have texts, emails, and the screeshots of what I sent the money for. I know its my fault but I had all the evidence I could possibly share. I felt that the bank was pointing fingers at me that I was part of the scam. I just went back to work after a month of being jobless. I opened another account at a different bank because I am closing the account with PNC Bank. My only hope is that one day those scammers will be caught. | ||||||
| 01/10/2018 | Yes |
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| I am cosigner for a checking account for my nephew who is a college student. His account went into negative on XX/XX/XXXX. From then until XX/XX/XXXX, PNC has charged the account 25 times with {$36.00} penalties, plus several overdraft fees of {$7.00} each. There are several ACH XXXX XXXX Payments & reversal in between. All the penalties are associated with these XXXX payments/reversals. Throughout this period the account is negative as there are no deposits until they withdrew money from my personal checking account for {$1200.00} which is linked I believe to my nephew/my cosign account. What concerned me PNC is involved in fradulent activity in dealing with my nephew ( college student ) account. Why it waited 3 weeks before with drawing money from my account, when they could do it 3 weeks earlier. In the mean time they applied penalties of {$950.00} to this college student account. I am concerned that if I had higher balance in my personal account, PNC would have continued their fradulent penalty activity several more days/weeks. Fortunately my balance in my personal account at that debit time was {$1200.00}. I have brought this to PNC 's attention overphone and inperson, as well as speaking with their consumer complaints department. All their answers are basically putting the blame on the customer. I understand the customer is responsible, but PNC used it as an excuse to continue charging the college student many continuous penalties ( 25 times in two weeks! ). Also concerned is the other party XXXX business practice in this case. All the transaction involve in this case XXXX payments. If there are rejection of payments on a regular basis, how XXXX is able to submit many of these transactions for several more weeks daily. Looks like PNC is trying to make money on innocent, vulnerable college kids through fradulent business practices. Looks like they have started this practice in XX/XX/XXXX. Earlier, I did n't see this activity. Something changed at PNC. Hope some one at federal government addresses this fradulent activity from PNC. | ||||||
| 01/11/2017 | Yes |
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| I was pleased to find out from the XXXX 's XXXX and Social Security that the direct deposit posted into my mom 's checking account on XX/XX/XXXX was indeed what she had earned and was entitled to for the month of XX/XX/XXXX. My mom passed away on XX/XX/XXXX and this money would certainly help pay for her funeral and burial expenses that I had to put on my credit card, being my mom had no life insurance and and lived in a personal care home for the last 2 years of her life which was extremely costly. PNC Bank XXXX XXXX, PA took it upon themselves to put a hold on these deposits without me knowing which led to the bank account to be overdrawn. I had to transfer my own money into the account to make sure the did not charge any fees on top of messing with this money that was due my mom. They are sending the money back to the VA and SS and actually lied to me and told me the VA contacted them and wanted it back. I talked to about XXXX different people at PNC and got different answers from everyone of them. No one seemed to know why this was happening. I contacted the VA and SS several times and each time they told me they do not want the money back. If it comes back, I have to complete forms and they have to reissue the checks to me which can take a long time. The last rep that I talked to at PNC said they are Federally Regulated to do this when a person dies. I contacted the FDIC and the rep there could not find anything that would suggest this. Another lie! My name is also on this account. I have taken care of my mom 's affairs for 15 years, she lived with me and my family for 2 years before having to go to a skilled XXXX home. It is an absolute shame that PNC Bank is putting us through this at such a delicate time. They have no right to control my mom 's money like this and make this harder for us to have closure. We are on a very close time frame to make this matter stop, the money is on a hold and if the checks have been sent they need to stop payment. If this sadly does not happen for us, I sincerely hope this does n't happen to another family. | ||||||
| 02/26/2016 | Yes |
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| In XXXX of XXXX, PNC Bank had a publicly available {$400.00} bonus offer on their website https : //www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html The offer stated : " Add a checking account to your existing banking relationship with PNC. Open a qualifying checking account ( Virtual Wallet with Performance Select or Performance Select Checking ) online and get {$400.00}. Simply establish a qualifying direct deposit of {$5000.00} or more within first 60 days and make at least one payment with PNC Online Bill Pay. '' Expiration was XXXX/XXXX/XXXX. I followed the instructions and met all the requirements of this offer. I had an existing relationship with PNC ( a saving account opened prior to that ). On XXXX/XXXX/XXXX, I opened a Performance Select Checking account online on PNC website stated above. I made several qualifying direct deposits of more than {$5000.00} within the first 60 days and made several qualifying payments with PNC Online Bill Pay. Recently, in XXXX XXXX, I called PNC to inquire about the status of my bonus and a representative stated that she did not see the promotion on my account. She said that she needed to send an inquiry to their escalation team. Then she asked me to provide her the advertisement of the offer. I can not locate it any longer since the offer is expired on XXXX/XXXX/XXXX and PNC pooled the link with the promotion off the internet. Now I can not prove to PNC that they advertised THEIR publicly available offer on THEIR website.The representative called back and left a voicemail that they refused to add the promotion to my account. To me this is a deceiving practice of the financial institution if they can not honor their own promotion after a customer met all the requirements of it within qualifying period of time. This was not targeted but PUBLICLY AVAILABLE offer and PNC should be able to find the details of it in their database and add it to my account while by some reasons it was not added automatically by their system at the time of my opening the account. | ||||||
| 10/26/2021 | Yes |
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| On XX/XX/2021 my account became overdrafted with PNC Bank because a pre-authorized transaction came through and sent my account {$540.00} negative and the business won't stop the charge... I've recently been injured on the job and I have no steady income, so on XX/XX/2021, I asked PNC bank if they could revoke the pre authorization of this business until I can work out another arrangement because this over drafted account possibly won't be taken care of any time soon and I've had to do this before years ago because a business was continually trying to withdraw money from my account.PNC bank said that I would have to call the company because they can't do anything about it because it's already posted... In the past whenever this type of thing would happen, banks had no problem revoking the pre authorization but because I have had past direct deposits set up on my account, PNC Bank decided that they wouldn't revoke the authorization because they will just wait till deposits come in so that they can take everything that I have. It seems to me that banks are working for businesses instead of for their customers... Since when does a bank act as my mother and father to make sure that I pay my bills and then charge me tons of these fees which is the banks primary objective anyway to enrich themselves off the backs of the people ... I'm sure if I didn't have any direct deposit set up on my account they wouldn't have let this overdraft go through in the first place..These are typical banking tactics and this is why they pay these bank managers the big bucks because they identify which consumers they can squeeze the most out of as often as they can and like a snake they strike... .People in my age group are very often taken to the cleaners like this by banks because it works in favor of the banks to allow anything that they can make money on to stick... .Nevertheless, I will be closing this account as soon as I can get the overdraft taken care of and run like XXXX away from PNC and find another bank because as it turns out, PNC is not the bank for me... | ||||||
| 04/23/2018 | Yes |
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| I am a recent graduate of XXXX XXXX University with degrees in XXXX and XXXX XXXX. Upon looking for a job, I submitted my resume to XXXX. Approximately three months later I received a legitimate email including a questionnaire inquiring about the type of work environment I would be looking for and my target salary. Less than a week after this legitimate email ( ending inXXXX ) I received an email from someone posing as a " XXXX XXXX XXXX '' who I researched to be the director of HR at XXXX. She held a " soft interview '' on XXXX hangouts with me - asking similar questions to the questionnaire I had received prior. Then I was asked to scan my signature on the " acceptance of employment '' letter and email it back to her. The job was to start in two weeks from the false notification of employment in XXXX XXXX, Va, where an actual branch of XXXX is located. The next day " she '' sent me a " start-up check '' for {$1800.00} to purchase scheduling software that would go on my " work computer. '' The software was called " XXXX '' and " XXXX '' which she said could only be purchased through XXXX. I researched the software and the cost matched with the amount of money I was sent via check. The check deposited into my account ( for the full amount ) so I had no reason to doubt the legitimacy of the job offer. I purchased XXXX credit with the money I was sent and emailed the information to the person who instructed me to do so. I was told this credit would be used to put the software on my work computer. This check cleared on a Wednesday. After I purchased the software credit, I sent it to them and the check bounced on that Friday - leaving my account at - {$1800.00}. This is when I realized the job offer was a phishing scam. Because the check deposited to my account and I was given access to the full amount of funds in 24 hours, I blame PNC Bank for allowing a fraudulent check to be deposited in my account before it cleared. If they had done their job : the service of validating and safeguarding financial assets, this issue would never have occurred. | ||||||
| 09/23/2016 | Yes |
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Web | Servicemember |
| My son is away at XXXX in XXXX, Pennsylvania. There is no local bank for him so our bank advised him to use the no surcharge ATMs to ensure there is no charge for getting cash from the atm. When we arrived at his dorm there was an ATM right in the lobby that stated no surcharge on it ( picture attached ) so I told him to make sure he uses that XXXX. When he used the ATM it now stated they were charging a {$3.00} fee for withdrawal ( picture attached ). There is XXXX students in my son 's XXXX class and nearly XXXX students on campus. These student are hundreds and some thousands of mile away from home and need to have access to their money for necessities like books and food. PNC has the market for ATMS on campus and are falsely advertising their inaccurate service. I contacted PNC customer service and talked to representative XXXX XXXX on XXXX at XXXX XXXX. He took the information and said he would forward it to their service department to get the sign taken down. I asked what they were going to do for these students that have already been falsely advertised to and had to use their ATM. He said they should not have used the machine and their is nothing he would do. I asked to speak to someone higher up and he would not provide a name or number. He told me to dispute the charges with our bank. I hung up and called our bank and they said their is nothing they can do on their end because the charges came from PNC. The issue is that they falsely advertise and these kids are, for most, first time away from home and have no other choice but use the machine or take a chance to go off campus and XXXX only knows what may happen to get the money they need to survive. If we use the example of approximately half the student body ( XXXX ), and they take money out of the PNC ATM once a month for {$3.00} each transaction the bank has just made {$35000.00} a month unfairly. We send our children to getter a higher quality education and the big banks are morally and unethically teaching our kids that it is ok to falsely advertise and make money for doing it. | ||||||
| 04/19/2018 | Yes |
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| PNC Mortgage / PNC Bank keeps on delaying the process to remove my PMI. According to my mortgage agreement, the PMI on my mortgage should be removed when the LTV ratio is 80-20 and I meet certain other requirements like regular payments etc. I meet all the requirements and have made the required payments on XX/XX/XXXX as reflected in the attached statement. Furthermore, since my mortgage agreement says that the lender may require an appraisal before removing PMI to ensure that the property value hasn't gone down, I asked PNC to clarify if they need an appraisal and if yes then please go ahead with the appraisal. Now this is where they stated with the delaying tactics. First, they misapplied my payment made on XX/XX/XXXX and put it in some " Other '' category when it should go towards reduction of my principal. Next, despite my repeated communications to tell them to use the corrected payment information before sending me an answer on the appraisal, they took good 2 weeks and sent me the information with misapplied payment. Note that they did this despite telling me they will start the process to remove the PMI with the correct payment information as shown in the attached email communication. Their letter that I received said that I haven't reached the 80-20 LTV ratio even though I clearly have. Next, they made me wait before I could send in a new request to remove the PMI while they corrected the misapplied payment. I complied and sent them a new request again onXX/XX/XXXX. They said I will shortly receive the letter with the appraisal order form but I still haven't received anything. It's been about a month since I made the payment that took my LTV below 80 percent and still they haven't provided me a simple Appraisal Order form. They refuse to allow me to get another appraisal myself from a certified appraiser or to directly contact the appraiser that they themselves recommend. All this while I am suppose to keep on paying the PMI. Just providing the customer with an appraisal order form should not take more than a month in XX/XX/XXXX. | ||||||
| 10/02/2023 | Yes |
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| My husband and I left town on a family emergency. My husband XXXX XXXX and hurt himself broke so a XXXX in his neck and tube on his back and he is XXXX XXXX XXXX during the drive back from DC. We had purchased gas for {$32.00} at pilot. Thought everything was OK. Drove home, the next day my husband got a text from PNC fraud department asking or the charges they included in the text with charges that he made he reply. No I didnt call the bank to dispute their mouth within a week or two. They emailed back and said they believe the charges were correct Yet theyre the ones that notify us they were suspicious of the charges because its unusual it shows a {$32.00} charge for gas within seconds {$150.00} even at the same gas station then not long from that a {$30.00} and something cents at XXXX XXXX another XXXX something dollars and {$120.00}. My XXXX XXXX an XXXX XXXX theres no way we can put {$32.00} in gas {$30.00} in gas {$150.00} even in gas during this process. I looked into our account and noticed that there were other charges so I put a dispute in. Yes we have been to these places before however, we did not make these charges the second time The bank automatically assume that we did it and they said they did a thorough investigation I know for a fact that someone can take your pin number and create a card with a chip and fraudulent use your account. Including multiple quick withdrawal as fast as they can, or purchases. I even offered for them to go ahead and request video for the Places to verify its not us the person I talk to said she was gon na record this conversation for quality purposes then I told her that I would like to record the conversation for proof she said she will cease and not discuss it with me any further and refuse help and continuously put me on hold, and she told me are you threatening me because I told her that I believe it was unfair and that I would probably post it on social media so that other people know about fraud they withdraw the amount on my account to cover for fraud charges that I had nothing to do with | ||||||
| 02/10/2022 | Yes |
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Web | Servicemember |
| In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX PA. This vehicle was financed through PNC Bank of XXXX. On XX/XX/XXXX, I contacted the bank for the amount of the total payoff. I was told that the payoff was {$25000.00}. I withdrew the money need for the payoff out of my personal bank account and purchased a cashier 's check from XXXX XXXX in XXXX XXXX, for the amount of the payoff and sent it to PNC Bank.I have the bank statements to prove that this transaction was made. On or around XX/XX/XXXX, I was contacted by PNC Bank and told that my payment was received and that I would be expected to receive my title within a week or two. Within the time of me making the payment and them calling to say they received it PNC Bank attempted to take {$38000.00} from my bank account. My bank did not allow the payment to go through as it was not an authorized payment. A year later PNC Bank stated that they never received my payment, so I sent all the paperwork I had regarding this matter. Another year went by with no contact, and they again contacted me stating they did not receive the payoff amount, so once again I sent all of the paperwork, I had to them. On XX/XX/XXXX, at about XXXX XXXX XXXX came and repossessed the XXXX XXXX that was paid for. When I contacted PNC Bank, they stated that the payoff amount was for {$25000.00}. But they attempted to take {$38000.00} and it was not approved. When questioned why they would try to take {$12000.00} more than the total payoff they did not have an answer. PNC Bank is now stating that they did not receive the cashier 's check for the payoff. They told me that they wrote off the account and sent it to collections within the recent months. We also asked why if no payment was made why did they wait three years to do a repossession on the XXXX XXXX and their reason was they could not find it although it was always parked at the address on the title, insurance, registration, and loan agreement. The loan was in XXXX XXXX name, who is my mother, but I made all of the payments on said vehicle. | ||||||
| 11/09/2016 | Yes |
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| I 've had my bank accounts with PNC Bank for several years now with basically no complaints. In XX/XX/XXXX, I had XXXX fraudulent charges on my debit card, which PNC refunded ( stopped payment ) on XXXX of the XXXX. They left me hanging for the fourth - XXXX XXXX confections and told me I was on my own, but provided me no details of the transaction. As a result of the fraudulent charges, PNC issued me a new debit card, which is where this complaint starts. On XX/XX/XXXX, XXXX charged my NEW debit card {$95.00} and I have not given this card # out to any companies or used it online. So, I called PNC and asked them to file a dispute. Again, they told me they offered no support, I was on my own. I asked them for Corporate Security and to start a fraud investigation. Only then did the representative take a 'questionnaire ' from me about the incident. During this 'questionairre ' she asked me to falsify my first answer " Did you give out this card # to the company in question? '' She informed me that answering yes would expedite my process, answering no would cause me problems, But I did n't give out the card #, what am I supposed to say? " If you say yes, your claim will be processed, if you say no, you will have difficulties with this claim. '' I told her I was n't going to lie and left my answer as " no '', I had not given out the card #. Feeling uncomfortable, I asked to escalate this complaint. She complied by giving me a # I could leave a VM on. After that, I asked her how a random company could get my account information. The representative informed me that upon issuance of the replacement debit card in XX/XX/XXXX, PNC had done me the 'service ' of giving out the new card information to any merchants who had claimed a recurring charge on the old card. WHAT?!? I asked her to repeat what she had just told me and she did from her script. Again, WHAT?!? You replace a card for fraud, and give out the new card information without my knowledge or approval? I want my money back. I want damages. I want credit monitoring due to the breach by PNC. | ||||||
| 01/21/2021 | Yes |
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| To whom it may concern : My family and I are in the process of attempting to purchase our first home. We were supposed to close at the end of XXXX but due to issues on the sellers side, the closing was postponed until the end of XXXX. My lender did inform us that due to the delay, paper work would have to be updated and a closing could not take place until the issues with the sellers were resolved. On XX/XX/XXXX th I was called by my lender and was told that after a credit refresh was run on my husband a 30 day late appeared on his credit report for a PNC credit card. This came as a total shock to us, what made matters worse was that the late resulted in a credit score drop of over 100 points on each credit bureau, this drop in score has basically eliminated us from getting our mortgage and essentially leaving us homeless. The reason I am writing to you is twofold. The first reason is the way the credit billing was handled by PNC. The due date for the card was XX/XX/2020 the day before XXXX, at that point my family and I were getting ready to leave our apartment, due to Covid 19, my husband was working extra shifts and I was packing up the house, but we never received a paper bill from PNC. I am not set up for paper free billing so we rely on the paper bill. In addition, our history with the card was excellent no late payments ever. Because of this mistake, our mortgage approval is in great jeopardy. The second reason for this letter is the unreasonable nature of the credit score drop. As they say let the sentence fit the crime. Even if they say the late payment is ruled legitimate which I do not believe it is why would my husbands credit be impacted so much for 1x 30 day late on a credit card. According to my lender, my husbands middle score dropped 130 points this is unfair and has been devastating to my family. We have been hit hard by the pandemic I was laid off and have been caring for a XXXX child, the loan was under the name of my husband and my Mom, we need help to resolve these issues as quickly as possible. We need a home. | ||||||
| 12/19/2019 | Yes |
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| On XX/XX/2019 a continuous OD fee of XXXX was applied to my account although my account was positive. My account was negative from the friday before up unitl XX/XX/XXXX when my direct deposit hit my account making the account positive. So on Sunday XX/XX/XXXX I called the bank spoke to a CSR tried to explain the above she said the fee was applied for XX/XX/XXXX on XX/XX/XXXX i said that makes no since because theres a XXXX fee on XX/XX/XXXX she hung up in my face you can hear the phone hanging up. I called back filed a complaint asked for the call to be pulled it is XX/XX/XXXX no one has addressed this issue yet. okay i go into my online account and notice that OD charges came out on XX/XX/XXXX for 3 days as if i never brought my account positive. I called again she saying i had things pending that i cant see my account is negative when the OD charge was applied on XX/XX/XXXX but i cant see. Then after going over common since of this makes no since what do you mean i cant see it why are you seeing different amounts than me that sounds like fraud. she then tells me to go in a branch. I go in to a branch on XX/XX/XXXX speak with a representative we both see what im saying but the branch manager says no she had a XXXX pending charge. I said no the XXXX is an atm withdrawl made at a XXXX ATM I made that withdrawl around XXXX am if my account was overdrawn on the morning of XX/XX/XXXX I wouldnt have been able to make that withdrawl and even after the withdrawl I still had money in the bank. So lets say i did owe you XXXX it was a positive amount i paid the XXXX on so why would fees be deducted on XX/XX/XXXX as if the account was never positive. I said the continuous OD fee must communicate to your system that my account is negative and this was an error causing other things to be reversed and more fees assessed. I would like an audit of my account as far back as 4 years looking into how many times this has happened in the past. and i want a refund of all fees assessed to my account do the error of the OD fee applied on XX/XX/XXXX and after. | ||||||
| 07/21/2018 | Yes |
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| I have a secured credit card with PNC. PNC is doing what i have learned is called trailing interest. For two months i did not see any statements on paper or email from PNC, during that two month time frame after i payed my balances due on my account PNC added a XXXX interest charge to my card. I did not see this because i did not receive statements. I did check my mobile PNC app and it always showed a balance due of XXXX dollars by my due date. so i did not call and make any payment toward my account. i was not using my card at this time because i had a good credit score and was in the works of buying my first home. in this time over the two month span PNC had charged me a late fee for the interest they did not tell me about. and that was sent to the credit department ultimately dropping my score well enough to stop the closing on my new home just 6 days before the date of closing. When i learned what was happening i contacted PNC multiple times and spent hours pleading and arguing with many different supervisors for help. My mortgage lender ( XXXX XXXX XXXX ) said that at the very least PNC could write a letter stating that it was a mistake on their end and that it shouldn't have reflected on my score. PNC could even remove the late fee from my history so that my next statement would fix my score as well. So far i have spent my time talking with many PNC employees only for them to say sorry there is nothing we can do. they even tried blaming it on me saying that they monitor my app 24 7 and that they don't show any signs of it having issues. they did however ( days after charging me a late fee ) returned it back to my card and their answer over the phone was that they made a mistake and that's why it was refunded. Because of this happening it now seems that my current lease will be up. And that i will not be able to get my loan for the new home. PNC has made it clear that they don't plan to change anything and has tried to push it off onto the credit companies. These things happened XXXX and XX/XX/2018. and now we are into XX/XX/2018 | ||||||
| 09/18/2022 | Yes |
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| PNC Bank poor accounting of available funds and shift monies from accounts after Ive made transfers to balance out my accounts. PNC is intentional triggering fees ( overdraft protection ) by changing my account balances and causing payments from my accounts to delayed or held and creating negative balances and adding more fees. On XX/XX/XXXX, I unexpectedly had a XXXX balance in my checking account, with pending business payments expected to withdraw. Reviewing there were expenses not posted and funds returned to checking account as available after the standard 72 hrs. I transferred money from my XXXX account to cover automatic payment withdrawals, expected after XX/XX/XXXX. The morning of XXXX, I receive email notifications, I have a XXXX balance in checking because they applied an overdraft fee. The funds I transferred to balance out the checking account, was returned back into the XXXX accounts. I didnt do this nor authorized the bank to make this change or any changes. I had a XXXX XXXX in my checking account, an overdraft protection fee and still had payments pending. I reached out to PNC several times prior for other balance inconsistencies and errors in applying fees and not correctly investing an overpayment to a vendor. I spoke with PNC rep and to keep a HAND WRITTEN LEDGER to also manage my transactions. Though an archaic suggestion in a real-time digital world and economy, it still wouldnt remedy the changing balances in/out of the accounts. Especially, those the bank decided not to keep in the right accounts. I was transferred to XXXX XXXX, Executive Client Relations. But we never spoke, even after request via email, she schedule a time to meet. In the last 6 months, PNC Bank has caused me significant distress, loss of business and loss of money with long term negative impacts to merchant/client relationships. PNC Bank record keeping & report accurate balances in real time is horrible and even dangerous and distrustful. Ive had to request several fees be removed because of their poor accounting. Please help. | ||||||
| 12/29/2021 | Yes |
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| We opened an HELOC in XXXX. We wrote two checks against it, dated XX/XX/XXXX & XX/XX/XXXX. It was payments for purchases/services. They were not cash advances. HELOC 's apparently are very different, so the cash advance designation remained. We were making payments on that obligation. Then, I got diagnosed XXXX. My remaining life expectancy was 6 months to 2 years. XXXX has no cure to this day, expect a XXXX transplant. My chances for a transplant were negligible. It was 'first come first serve '' operation and I was at the end of a very long line. What saved me was a new law ( XXXX, XXXX XXXX XXXX XXXX ) passed in XXXX which altered how transplant recipients were prioritized. I was XXXX at the time, and otherwise healthy. I jumped in front of the line based on the XXXX. I am a blessed man. I underwent a XXXX XXXXXXXX transplant in XX/XX/XXXX. Post-transplant life has been extremely gratifying, and equally challenging. Recovery has been even more challenging due to chronic rejection. It took years before I was able to get back to my wordily affairs. I was startled to see our HELOC balance at {$99000.00} on statement dated XX/XX/XXXX. We had made every payment since XXXX and expected the balance to be much lower. Since, I have been requesting information from PNC about why our balance is so high. It took years but it was identified that that there were two additional checks written on XX/XX/XXXX and XX/XX/XXXX. Both were listed as " Convenience Check XXXX MI ''. We did not write those checks. We have been asking for years if we can get copies of those checks. We have not missed a payment. This morning ( XX/XX/XXXX ) we received a call form PNC representative to discuss the issue. He concluded the conversation by stating that PNC is only obligated to provide copies of the documents for 7 years so they will not provide us the check copies. Also, if we stopped making payments, they will take us to collection. We have all supporting documentation, if needed. Please advise if you can help us in resolving this matter. Thank You. | ||||||
| 10/26/2016 | Yes |
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| XXXX/XXXX/2016 With all the financial and credit concerns going on with the XXXX XXXX situation, I wanted to ask ... Is it legal for a lending company to report the terms of your agreement different from what you sighed? I have an Auto loan with PNC Bank and per our " Direct Installment Loan Disclosure and Note Agreement '' here are the following terms .... XXXX Number of Payments : 36 XXXX Amount of Payments : {$370.00} XXXX When Payments Are Due : Monthly, beginning XX/XX/2016 I have found out that all three credit reporting agencies XXXX, XXXX and XXXX, are reporting that my repayments terms are for 38 months instead of 36. Thiscalculation worksout to bea differentsof {$750.00} more when you use that number. When PNC Bank contacted me by mailoffering to refinance my auto, one of the main selling points was that they allow you to chose from 30 to 90 days before your first payment isdue, I choose the 90 days. I signed the Agreement in the XXXX Virginia location on XX/XX/2016 and thefirst payment isdue on XX/XX/2016, around 90 days. They are telling me since the funds where available onthe date I signed, they have a right to report38 months instead of 36. I was in the process of doing aDebt consolidation loan, when this was brought to my attention. They are saying that they will have to add the $ XXXXdifferents of 2 monthsin order to do a pay off for my auto since PNC Bank is reporting 38 months as the terms of repayment. On XX/XX/2016 I called PNC Bank, the person I spoke with concerning this matter is Name XXXX XXXX in the Escalation Department of PNC Bank XXXX. He acknowledge that the contract I signed was for a repayment term of 36 months, but that they have a right to report 38 months instead of 36 months. He refused to transfer me to his supervisor or anyone in the so called " Back Office People Dept '' and that he was the manager and there was no one else I could speak to concerning this matter. I want to thank you in advance for taking the time to read and review this compliant. Thank You XXXX XXXX XXXX XXXX | ||||||
| 04/08/2016 | Yes |
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| I got divorced in 2012 and my financial situation changed drastically. I have appealed to PNC Bank/PNC Mortgage for assistance with reducing my mortgage payments from {$1100.00} a month to a more affordable amount but they have refused to work with me by continuously stepping outside of the law to delay modification. I have used several organizations along the way to assist with getting PNC to modify my loan but I got ripped off and ended up in an even worse situation than before. PNC will not accept the Divorce Decree or Quit Claim Deed as the foundation for why I need the loan modified without the assistance or signature of my ex husband. The original loan was in both our names, but since the divorce, I needed to modify the loan so I could afford the payments. PNC will not assist me because my ex husband no longer lives in the home or has any rights to the house. My Divorce decree is a legal binding document which shows that the home was awarded to me, and my ex husband has no rights to it. PNC has done everything in their power to delay the process for assistance, which through the XXXX XXXX Georgia program, I am very much qualified for. I need help badly. My home has been in a place of foreclosure about a dozen times, and I always manage to get it out through bankruptsy filing or by other means. I have done everything PNC has asked and when I complete a packet and send it to them they go against what they themselves have asked me to provide, and decline my request. Every single time, over the past 4 years. I am behind in my mortgage, an every time PNC denies my packet, it adds more money to what I already owe them. I have reached out to everyone at PNC but they say their hands are tied because the loan is owned by an investor XXXX XXXX XXXX XXXX and the investor does not take part in the modification or XXXX programs. They have created new rules along the way and have used every opportunity to stop my packet from going to full review and approval. Their tactics are illegal and it has been going on for 4 years now. Please help me. | ||||||
| 11/08/2021 | Yes |
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| The PNC acquisition/merger of BBVA/Compass Bank has been a total disaster. On XXXX all of my accounts were supposed to be switched over to PNC. They had months of notifications of this process. On the Monday ( XX/XX/XXXX ) following transfer 1 personal account was accessible and 1 business account was accessible. I called a customer service number on XX/XX/XXXX and was on hold for over an hour without anyone picking up. I went in to a branch and there was a huge line of people waiting to get their accounts sorted. After 20 minutes of waiting and no new customers being helped I left. I called again on XX/XX/XXXX and after 78 minutes of being on hold finally talked to someone who was acknowledged that not all accounts transferred and they were working on it. On XX/XX/XXXX I went back in to a branch where over the course of 45+ minutes a teller was able to pull up all of my accounts and at least provide me with account # 's even though I still could not access 4 other business accounts, a personal line of credit, a personal money market account, nor a joint account. They took all the information down and said it takes them 3 days to submit the linking of my accounts. The following week I was recovering from XXXX XXXX and watched my accounts. Nothing was linked. The following week I called again and they said they are processing a lot of accounts and it was " only business accounts '' that didn't link. I told them 3 of my personal accounts didn't link either and they had no answer. It is now 1 month from the date of transition and I still do not have access to 4 business accounts and 3 personal accounts and the sum of deposits in these accounts is substantial. To add insult to injury, the PNC representatives go release statements that it is only a very small few accounts that have been effected. I know 11 individuals directly that had BBVA accounts and none of their accounts transferred fully to PNC properly and most of them still do not have resolution. This is an absolute cluster and I can not believe it has been allowed to continue. | ||||||
| 06/10/2022 | Yes |
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| XXXXPNC fraud prevention contacted me, XXXX had a fraudulent charge. Card/account was closed. I had autopayment set up to pay this credit card from my PNC checking acccount monthly. Fraud person told me not to worry, that I could set up auto pay once I received my card. Couldnt access the account until I received the card and activated the card. XXXXaccount payment due date XXXX-I finally receive the replacement card, I activate it, and select to pay statement amount. Slightly less than {$4000.00}. I paid the card in full, minus a late fee I was charged for not paying on XX/XX/2022. XXXXcall to dispute late fee and now about {$46.00} in interest charges on the account that I paid off on XX/XX/2022. Spoke with PNC customer service. They said the late fee was removed, but reminded me to make my payments on time. I explained the situation and told them it was not Normal, and to check my account because I always make payments on time due to having autopay. Explain situation to them, they refuse to remove Interest charges. I speak with two supervisors about this situation, first one the call is droppedI call back but cant be transferred to that person again. I get a second supervisor who is extremely rude, and tells me its my fault for not paying the balance off in full by XX/XX/2022. I remind her I couldnt. She says it doesnt matter, I have to pay it due to having a balance that was t paid in full for at least the last year ( even though I pay monthly, and the final in full payment should have contained all interest due ). XXXX have closed the account. Supervisor 2 refuses to give me her manager to speak to, refuses me contact information to speak to him or to file a complaint, informs me to mail the complaint-proceeds to give me a fake mailing address. I now have no way to file a complaint with them, and it remains unresolved. Also, in their account files that have it written that my old account balance was transferred on XX/XX/2022 and I am not sure how that happened since the account was closed due to fraud until XX/XX/2022. | ||||||
| 11/24/2015 | Yes |
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| PNC sent the issued credit card that I applied for to a wrong address and I never received that credit card. There were XXXX over {$1200.00} fraud charges on the credit card. PNC told me that I am reliable for these fraud charges. On XXXX, 2015 I went to the PNC branch located in XXXX XXXX XXXX, XXXX XXXX, PA for XXXX things, ( 1 ) mailing the PIN for my PNC business debit card, ( 2 ) applying a PNC business credit card. About a week later I received the mailed PIN. But there was no any response from PNC about my credit card application. Around one month later ( in XXXX, 2015 ), I received a call from PNC when I was at the XXXX 's located in the XXXX, XXXX. A lady from PNC asked me to verify XXXX credit card transactions ( & gt ; {$1200.00} ) on the phone. These transactions were made using the credit card that was issued to me by PNC. I told her that I had n't received the credit card yet, how I could make a payment with it. I reported to her that were fraudulent charges. The lady then verified my address and told me that PNC had sent the credit card to the wrong address. She promised me to close the account and would issue me a new credit card. Meanwhile, she said that PNC would remove these XXXX statements from my credit card account. After I received and activated my new credit card, I logged in my online banking account and did see these XXXX fraudulent charges were removed. However I noticed these XXXX fraudulent charges were posted again in my PNC credit card account in XXXX XXXX. I called the customer service hotline right away for a few times. Each time I was given a different story. In my last call, the representative told me that PNC had done with the investigation and PNC had denied those over {$1200.00} charges as fraud charges. PNC sent the credit card to a wrong place and I never received it. Why am I reliable for these fraud charges? I enclosed my XXXX evidences of my address, XXXX is the envelope in which PNC sent PIN code in XXXX XXXX 2015. The other is the address of my business that printed out from XXXX. | ||||||
| 12/29/2021 | Yes |
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| On XX/XX/XXXX, I entered the PNC Bank, in XXXX, GA to make a {$9900.00} cash deposit. At this location, there are no bank tellers. I had used this branch to make a case deposite approximately two weeks prior. Following the instructions on the ATM, I was instructed by the live video teller, whose name is XXXX, to deposit the entire amount. I questioned this because I had been informed before that the machine could not handle large amounts of cash at one time. He told me to disregard that information and make the deposit anyway. I inserted the entire {$9900.00}. The machine door closed and the machine started counting the money. Suddenly, the door opened and the money was ejected from the machine. I pulled the large wad of bills from the machine, then it " spit '' several bills out. Those bills were crinkled, like the machine jammed. Then the machine went blank, and the teller was gone. The machine rebooted. An employee at the bank came out and we counted the money, and I only had {$9100.00}. I logged back into the machine and another teller appeared on the video screen. I explained to the teller, XXXX, what happened and she said there was no record of any previous transaction and there was nothing that could be done to retrieve my missing {$800.00}. The Branch Manager XXXX XXXX came out and we discussed the issue. XXXX XXXX said that she would handle the issue through a dispute. I asked that all of the information be provided to me in writing. I asked that she e-mail it to me. With XXXX still on the machine, I deposited the remaining {$9100.00}. In hindsight, I should have called the police and obtained a police report. Approximately an hour later, I received a phone call from XXXX XXXX with PNC. He informed me that it would be at least 10 business days until the dispute could be processed. He never mentioned returning my money. I asked that he e-mail me with the steps in the process. To date, I have not received anything. On XX/XX/XXXX, I e-mailed XXXX XXXX to inquire about the missing funds. She has not responded either. | ||||||
| 11/07/2018 | Yes |
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| XXXX, I am notifying you in writing of the ongoing issue I am having with PNC. On XXXX-XXXX-18, check # XXXX was cashed for {$7500.00}. The balance owed to PNC Visa was {$1500.00}, an overpayment of {$6000.00}. I was the one that caught this error, not PNC. After speaking with many people in the escalations department and local assistant branch manager, XXXX XXXX PNC, I received notice ( in writing ) that the {$7500.00} was returned to my account. For statement ending XXXX-XXXX-18, I received a statement for charges made to my Visa for {$4800.00}, which would have been about 3 months of charges and was almost accurate with credits for past due and finance charges needed. The issue is that on XXXX-XXXX-18, check # XXXX was cashed again for the 2nd time, without any notice. The 2nd problem is that this {$7500.00} payment has not been applied to my Visa account. The {$7500.00} has been removed from my checking account but not applied to my credit card. No one can tell me where the funds went. I spoke to XXXX XXXX on XXXX from XXXX to XXXX, she assured me that this would get this resolved in a couple of days and that she would touch base with me on Friday, XXXX. I did not hear from XXXX on XXXX, so I called and left a message at XXXX on XXXX. She did return my call later that day letting me know no progress has been made. As of today, XXXX, I left XXXX another message at XXXX, no progress or any kind of resolution has happened to my missing {$7.00}, XXXX. XXXX. This is the worst customer service issue I have ever experienced. After having a 28 year experience with PNC, my disappointment and frustration is at an all -time high. I expect immediate resolution of this issue. I have spent hours trying to resolve this issue with no success. I would like the {$7500.00} returned to my checking account, all late fees/finance charges removed, and an accurate statement of the charges owed on this Visa account. I will pay the balance immediately once Im satisfied that the {$7500.00} is returned and WILL NOT BE removed again. | ||||||
| 08/18/2022 | Yes |
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| I filed a dispute with PNC Bank on XX/XX/2022 for 3 ATM transactions that did not properly dispense. The ATM failed to dispense any amounts on 3 separate occasions but still charged my card the full amount. The ATM displayed an error message to " contact your financial institution. '' I ultimately filed the dispute with PNC and they requested additional information by sending a letter to my home address on XX/XX/2022 which I have not received. I typed up my own explanation of the events that happened since I had not received the letter and faxed this information back on XX/XX/2022. I followed up for several days and was told on XX/XX/2022 that PNC had not received my fax. I have confirmation that the fax was accepted by " XXXX '' at the fax number XXXX. They still maintained the fact that the fax had not been received on their end. I have refaxed the information over a total of 4 times on XX/XX/2022. I recalled their customer service line and was finally told they received the fax. The letter that was sent out on XX/XX/2022 stated that I had until XX/XX/2022 to provide the requested information, which has been done timely. As a former XXXX XXXX, I am aware of every federal banking regulation there is ... and these transactions are governed by Reg E, which carries very strict guidelines that financial institutions need to adhere to. Under Reg E, when a dispute is filed, a financial institution has 10 business days to investigate the error ( s ) in question. If they are not able to complete the investigation in the 10 business day timeline, a provisional credit is SUPPOSED to be provided during that time and the financial institution has up to 45 days to finish their investigation. PNC has violated this regulation intentionally, even after being told they were in violation. They have insisted that I wait. I have done my part and now they need to adhere to Reg E. The Dispute claim was for {$500.00}, {$500.00} and {$340.00} ATM withdrawals that failed to dispense for a total amount of {$1300.00} that they have failed to render. | ||||||
| 12/20/2021 | Yes |
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| On XX/XX/XXXX at approx XXXX, I tried to used my PNC debit card to withdraw {$450.00} from XXXX XXXX thru XXXX XXXX ATM XXXX at XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. When I finally submitted the amount I wanted to withdraw the ATM acted as though it wanted to dispurse my funds, but the tray feed never opened and no funds were dispersed. The ATM counted down XXXX seconds I believe to alert me to take cash or it would cancel transaction. As there was no cash to take the time went to zero and my transaction was canceled. I went to put the debit card in ATM again but was told I was unable to process any transaction at that time. I checked my bank account and {$450.00} was taken from my account. {$450.00} for the expected cash that was never received, and {$3.00} for the ATM transaction fee. I first contacted PNC Bank Customer Service to log my complaint and was told that I needed to speak to XXXX XXXX in order to fix the matter. I proceeded to contact XXXX XXXX and they told me that I needed to contact PNC for the matter to file a dispute. I contacted PNC again to begin the dispute process which had a reference number of # XXXX. {$450.00} was credited to the account until the dispute was resolved. XXXX I received notice that the dispute investigation was completed and that there was no wrong doing in the ATM and that the total of {$450.00} would be taken back. I contacted PNC again to dispute this further with new ref # XXXX and to receive the documentation they used in their judgment for the initial dispute. On XX/XX/XXXX I received another notification that the 2nd investigation was complete for the same reasons. But have failed to receive the documentation requested used in said investigation. I will dispute this until judgment is found in my favor as {$450.00} was taken from me and at no point did I ever receive. I have tried to contact XXXX XXXX again and ask for additional help as they are the owners and operators of the ATM vestibule but they refuse to help me in the matter and direct me again to PNC. | ||||||
| 11/08/2015 | Yes |
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| In XXXX I invested my XXXX into multi-residential apartment units and financed it through PNC Bank. My loan # is XXXX, under my XXXX complaint organization called XXXX. Over the last few years I tried to refinance this loan at existing interest rates which were 3 % -5 % points lower than my existing loan at 6.75 %. XXXX of my attempts were rejected. Over the course of 8 years I 've paid XXXX of XXXX of dollars in interest but principal amount have been reduced by only $ XXXX. After the economic downturn in XXXX, the interest rates dropped and so I wanted to protect my XXXX and leverage the low interest rates, but PNC rejected my requests for refinance, and continues to charge me high interest rates. I also suspect that with the current 6.75 % interest rates, the calculations may be compounded by additional charges which I do n't understand and this could be reason why it is not making a dent to the principal balance. Since the original investment came from my XXXX I want to protect this investment, but at this time I think I am going to be losing a substantial portion of my retirement income since PNC is not ready to refinance. I am XXXX years old, and have little runway to ensure that my retirement income is protected. So need your help to ensure PNC loan practices are in line with standard financing practices, especially those that apply to XXXX investments. During the economic downturn and even to the current day, my XXXX organization, XXXX XXXX has lost money each of the last 8 years. PNC cooperation in refinancing my loan in XXXX, XXXX could have saved me XXXX of dollars in interest payment, and helped me break even at least. I 've not missed a payment on the loan since XXXX, and was hoping PNC would take this into account in refinancing my loan as early back as in XXXX, when commercial loan interest rates were falling. Looking for some interest rate relief and retro relief too, as a special case since my retirement investment via XXXX was designed to be my retirement income, in a couple of years time when I retire. | ||||||
| 03/03/2023 | Yes |
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| Good afternoon, my situation is as followed : I paid on my vehicle loan for 7 years via autopay through PNC Bank. Apparently, the very last vehicle payment is supposed to be paid via check or other source, but is not paid via autopay. I was unaware of this, as all of my other payments were under autopay for 7 years. Sometime XX/XX/XXXX I saw my vehicle loan payment had not been taken out of my bank in XXXX, so I assumed that meant the loan was fully paid off. Well, this was not the case. I received an email from PNC Bank XX/XX/XXXX stating my account was past due. I immediately called PNC Bank and spoke with a male associate who stated he would put in a request to have the late fee removed, but stated I had to wait a few days to pay my last payment. I called PNC a few days later and spoke with a female associate who stated the late payment should be removed and that this thing happened all the time at the end of a loan, due to the last payment not being autopay. The PNC associate stated I should have received a bill in the mail for this last payment. In all honesty, if I did receive a bill from PNC I would have thrown the piece of mail away without opening it, as I would have just assumed it was my monthly statement- NOT a bill. For the past 7 years I have received a statement every month from PNC Bank regarding my payment being autopaid so I stopped opening these since they were always the same. Anyway, once I became aware that I still owed 1 payment, I paid it. I paid my last vehicle payment XX/XX/XXXX and then I received a notification from credit reporting that I had a late payment tagged to my credit report. My credit report was greatly impacted by this late payment. I would like to have my case reviewed as I never once submitted a late payment in 7 years of paying on this loan and then this happens the very last payment. This was all a big misunderstanding and now my credit score has been greatly affected over all of this. I had excellent credit until this negative hit from a late payment that I had no idea about. | ||||||
| 12/23/2021 | Yes |
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| I originally spoke to XXXX XXXX from PNC on XX/XX/XXXX regarding my PPP forgiveness. She indicated that were missing a document from when the loan was granted which made zero sense to me. She tried to tell me that the SBA changed the guidelines and that if I didn't give them additional documentation my forgiveness amount would be lowered. I argued with her because I don't understand how nothing changes in my business, I had the first round at the same dollar amount as the second draw but now I don't qualify. I emailed her the document. She never confirmed receipt. I had to follow up with her on the XX/XX/XXXX to make sure she had the document she needed. She indicated that " You are good to go for forgiveness ''. To me that means my application had been approved. I continued to call the PPP department for updates. After speaking to XXXX on XX/XX/XXXX I applied for PPP loan forgiveness. I've called two times to check the status of the loan forgiveness and was told the loan was in underwriting. On XX/XX/XXXX to again check the status of my forgiveness application. At that time the gentleman indicated that my application had been moved on to underwriting but now it shows it was out of the underwriting cue and that it's just sitting there. He indicated that he needed to set up an appointment with me to speak to a PPP specialist. This morning, I was contacted by XXXX XXXX who indicated she can't help me, she is in the wrong department. She just helps with documents needed for the foregiveness process. She also said that it appeared I did not apply for the forgiveness loan. She said she will reach out to her manager to see what she can do but doesn't know how long it's going to take for someone to get back to me. I have an emailed from PNC dated XX/XX/XXXX with a confirmation indicating I had applied for forgiveness along with a confirmation number. This email also stated they will submit my forgiveness application to the SBA no later than 60 days after receiving a completed application. Their time is quickly approaching. | ||||||
| 06/21/2021 | Yes |
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| On XX/XX/2020 I authorized PNC bank, custodian of my Health Savings Account, to pull {$3000.00} from checking account at XXXX XXXXXXXX XXXX. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my XXXX account. On XX/XX/2020 I received an Email from PNC bank stating. " Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called XXXX XXXX. On XXXX they provided me with the ACH transaction number which I then provided to PNC shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. For months I went back and forth with PNC about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from PNC. " Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get PNC and XXXX XXXX to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it. | ||||||
| 03/15/2017 | Yes |
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| I had an account with PNC Bank. I was given checks by a family member, which I then deposited in each of my PNC accounts ( Spend, Reserve, and Growth ). Then, I was informed by the family member that he thought he grabbed the wrong checkbook, and used one of his old accounts. So I knew the checks would be returned. I called PNC to notify them and also stopped into my local branch to notify them. I had used {$200.00} of the funds made available immediately. However, the bank had placed a hard hold on my account when I found out as I tried to deposit {$500.00} through the ATM to make sure that my account did n't go into a negative balance. The ATM would n't allow me to make the deposit, so I stepped inside the branch to do so. I asked the bank employee to make a deposit in each account and she told me that she would just deposit it in the spend account ( which did not have a negative balance ), and transfer it over to the other XXXX eventually. After a few days, the money was still not transferred over and the bank had started charging me c '' continuous overdraft '' fees of $ XXXX per account. I contacted the branch and they reversed the fees. However, on the day after the reversal, the bank charged me continuous overdraft fees once again, then closed the account. When I called the branch to tell them, they said they ca n't do anything about it because it 's closed and offered me a {$20.00} stop & shop gift card. When I spoke to their closed accounts department, they told me they ca n't reimburse me because they already gave me courtesy reimbursements. Now, I would never have in tired those fees if they 1 ) had n't put a hard hold on my account, and 2 ) the bank employee was n't too lazy to write out XXXX deposit tickets so I could make a deposit in each account. I do n't mean to make a XXXX over {$14.00}, but there 's no reason they should have it for something that was in their control. I had enough funds in my spend account to cover the negative balances of the other XXXX accounts, but they would not transfer it over. | ||||||
| 09/18/2019 | Yes |
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| To whom it may concern I tried solving this matter with Pnc but it could not get done I have previously disputed a purchase transaction of XXXX at XXXX store and the money was at first given to me as a temporary credit and than Pnc took the money back and caused me to have my account negative and overdrawn. I called them And explained them the situation and how things happen that day the representative at XXXX was very busy. And wen it was my turn I paid with the Pnc card and than ask the guy to dont process it on the card that I would pay cash apparently it was already to late and the payment was taken cash and the representative said I would get the money refunded that never happen. Now Im overdrawn and I did contacted XXXX and they said they will contact me. That is not fair I paid cash and the money on the card should have been refunded back to my de it card. But nothing happen, I am experiencing a very difficult financial hardship situation at this time since my grandmother had a recent expensive XXXX at high cost and medications at high cost and I have no money left to cover the overdrawn fees I attempt to deposit a check and that still caused me to get my account overdrawn some fees were adjusted but new ones appeared as of yesterday of XXXX even. I am very broke and this fee would not have been here and could have been avoided if XXXX would have been responsible nor Pnc wished more time while XXXX credited the money back but they did not and this caused me to have fees un wanted fees and overdrawn fees. I need it those XXXX for my grandmothers medications and now Im unable to purchase them because I had to deposit the funds to cover the XXXX before it hit a new overdrawn fee. And it did. I need it that money for my grandmother medication I dont know what can happen if I dont get her medications as I have no money left to do so my grandmother health is at a risk of getting worse or complicating her health without the medications need it. Pnc gave me a hard time and the representative too as I tried to explain. | ||||||
| 09/21/2023 | Yes |
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| At some point between calling to request a replacement debit card because mine was expiring and Sunday XX/XX/XXXX my existing debit card stopped working. Ive broken down the timeline of events below. Please note my husband I share a vehicle, I rented a car to drive to XXXX, and returned it on XX/XX/XXXX. XXXX XXXX - call for replacement debit card. No card is ever received. Called PNC to check on this, they claim it will be mailed soon and to keep using my existing debit card until the new one gets to me. XX/XX/XXXX XXXX - Attempt to use existing debit card in NY while driving to XXXX to speak at a conference. Card is declined for mismatched expiration date XX/XX/XXXX XXXX - Call PNC, agent shows no concern, has no solution XX/XX/XXXX XXXX - Call back, get a new rep who shows concern and works on solution. On hold for 20 minutes while she researches. Call drops ( either rep hung up or lost signal ). XX/XX/XXXX XXXX - Call again ask rep to read notes from previous rep, he refuses and claims because Im angry he has to escalate me to higher level rep, Im transferred to the main PNC number ( he lied about escalating ) XX/XX/XXXX XXXX - Call back, rep is very apologetic, sees the issue, admits theres no workable solution to get it to me. Suggests I call back when back in town before XXXX to have a debit card overnighted to me. XX/XX/XXXX XXXX - Call and per directions from previous rep ask for a manager as they are the only ones who can have a card expedited. Transferred to manager who is very dismissive of the issue. Doesnt seem to understand the card not working is a PNC error. She tells me to drive to a branch. I explained that PNC needs to cover the cost of transportation back and forth from branch as my husband has our car at work ( I work from XXXX ). Again explain that this should be expedited at PNCs expense as deactivation of my card and no replacement ever being mailed is a PNC error. After 45 minutes on hold they still have not agreed to do what previous rep said they would do and expedited a new card. | ||||||
| 05/17/2023 | Yes |
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| This is in reference to my last complaint # XXXX, I was working with XXXX XXXX to rectify the foreclosure that was filed against me. I had until XX/XX/2023 to submit the necessary documents, which were submitted on XX/XX/2023 to prevent foreclosure to receive loss mitigation. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in and I have not received a response. Since, the loss mitigation fax machine is out of service and I'm not sure if my documents were sent to the loss mitigation department, which is why I am sending a second complaint. On XX/XX/2023, I was served with a summons for foreclosure from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, while trying to reconcile with PNC. I need to know, if PNC is continuing to foreclosure on the property, while I am trying to simultaneously resolve the issue. That way I can prepare my family. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in to receive faxes and I have not received a response. Since the loss mitigation fax machine is out of service and I'm not sure if my documents were received is the reason why I am sending a second complaint since I have not received a response. In addition, I need to know if I am not qualified for the loan modification, and if that information is withheld from me, while PNC is moving forward with the foreclosure proceedings since I was served, is considered a violation of foreclosure fraud according to Maryland law. I need to know several things and I prefer for all correspondence to be in writing via email moving forward. First, if the documents were received. Second, if I still qualify for a loan modification, and last my request to withdraw the petition/summons for foreclosure. | ||||||
| 07/07/2020 | Yes |
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| Im a victim of identity theft and have had a fraudulent personal loan, and credit card that has been opened in my name with your company Pnc Bank. I didnt consent, authorize, apply, nor request for this fraudulent credit card/personal loan to be opened in my name. The address, phone number, and to these accounts on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a Debt Validation Letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that Pnc Bank has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Pnc Bank for intentional infliction of emotional distress and at the other diminishes of the quality of my life. These 2 fraudulent accounts need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner. | ||||||
| 09/02/2019 | Yes |
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| A Visa card was opened without my knowledge by my ex-wife ending in # XXXX. I have asked PNC to just remove this reference from my credit report since in did not sign for this card, it is current and has never been delinquent. It has a high balance of $ XXXX and I believe it is adversely affecting my FICO score since it is almost at its credit limit. We have been divorced since XXXX ( proof available ) and my defense is PNC can not prove I ever signed for the card or had any knowledge it was open, all other creditors upon our divorce closed or removed the references from my credit report, here are the reason I think PNC should just remove the reference from all XXXX credit services, that is all I am asking. 1 PNC can not prove I ever signed for this card 2 there is no record of me ever making a payment on this card 3 I have never received a card for this account, I have never made a charge or any transaction on this card, I have never received a statement from this card 4 the card can not be tied to my current address which I have been at since XXXX, they have absolutely no NOTHING to tie me to his card/account that my ex-wife opened without my knowledge, this card is also the only " joint '' credit showing on my current credit report 5 I had requested a copy of the signed credit application, they could not provide it stated they only retained it for 7yrs, again PNC can not prove in any way I was involving in opening this Visa card I just want the reference deleted from all 3 credit reports since the high revolving balance almost at the card credit limit is adversely affecting my credit / FICO score since I individually have < {$400.00} in revolving debt. PNC just states its not " our policy '' to remove references, but they can not in any way, shape or form prove I opened this account. Its obvious since I have had no activity as stated before with this Visa that it should remain on my credit report. Person most involved at PNC is XXXX XXXX, PNC Executive Client Relations, XXXX XXXX XXXX, XXXX, Pa XXXX, XXXX, XXXX | ||||||
| 03/11/2019 | Yes |
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| Had a HELOC with National City, was bought out buy PNC BANK. The loan borrowing period ended XX/XX/XXXX and a balloon payment was due. My DTI was not good enough to refinance but I was offered a 5 year fixed rate lock XX/XX/XXXX which I accepted before the balloon date as instructed in the letter from PNC. I started making the payments in XX/XX/XXXX however I had not received any statements from XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX I received a letter from PNC that they were enhancing their technology and would continue to receive statements, I didn't receive a statement until XX/XX/XXXX, I made numerous requests for my statements which I still have not received for this timeframe. it was at this time I found out they didn't have the paperwork for the repayment option I was offered ( it was faxed from a local PNC branch ) so after many excuses from many different PNC customer service reps I found out by a message left on my home phone answer machine that I was not goin to be offered this option. Jump to XX/XX/XXXX I secure money to pay off the loan, I made an electronic payment over the phone and a specific routing number and checking account was used. The next day, I get a text alert on my phone telling me that my checking account was overdrawn. I went to the local PNC Branch and explained what happened. I was instructed to go to the bank where the money was located and transfer the money from the account that was authorized for the payment into the account that they took it from, which I did. Everything appeared to be ok at that point. I thought the loan was paid. I received a letter from PNC Bank stating that the loan was paid in full. The next day, the money was back in my checking account so I called PNC Bank to find out what was going on. I explained what happened and was told that PNC Bank would NEVER do that. Jump to XX/XX/XXXX. I received a letter in the mail from PNC Bank stating that the checking account that I used did not have sufficient funds to cover the payment. Now they are threating foreclosure. | ||||||
| 07/31/2023 | Yes |
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| I am writing to register a formal complaint against PNC XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, for their alleged violation of the discharge injunction of my bankruptcy. On XX/XX/2020, I received a discharge of my debt obligations from the XXXX XXXX of New York. Despite this legally binding discharge, PNC XXXX XXXX has unrelentingly persisted in their collection activities against me. They have subjected me to undue harassment, including threats of seizing my home and personal assets if I did not adhere to their demand for payment. The intensity of this situation was further amplified by the ongoing XXXX pandemic, during which I was compelled to continue these payments. As a retiree on a limited income, these threats have placed an immense burden on me, both emotionally and financially. Out of fear and to preserve my assets, I felt coerced into making payments that, according to my understanding of the discharge order, I was no longer legally obligated to pay. Since receiving my discharge, I have personally made payments totaling {$210000.00}. These payments were facilitated with the financial support of my family, adding additional strain on them as well. Despite these considerable payments and clearing the balance with XXXX XXXX XXXX, a Commercial Collections XXXX at PNC XXXX XXXX, the harassment did not cease. In fact, they have begun to demand additional payment for late fees and other charges that, to the best of my understanding, are unjustified and unwarranted. The undue emotional stress and financial hardship this has imposed on me, particularly given my status as a retiree and the ongoing global pandemic, have been significant. I trust that the Consumer Financial Protection Bureau will address this serious concern promptly and ensure PNC XXXX XXXX 's compliance with the law. I am prepared to provide any additional information required for this investigation, and I eagerly anticipate your timely response in resolving this matter. Thank you for your attention to this matter. | ||||||
| 07/06/2022 | Yes |
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| I submitted an application to Texas Homeowners Assistance Fund with Texas Department of Housing and Community Affairs on XX/XX/XXXX. My completed application has been reviewed and approved to receive financial assistance for my past due mortgage balance with PNC Bank. I have submitted all required Release of Information and Authorization of my account information to PNC Bank for Tx HAF ( Homeowners Assistance Fund ) and TDCHA ( Texas Department of Housing and Community Affairs ) to communicate about my mortgage loan. On XX/XX/XXXX Texas Homeowners Assistance Fund emailed a validation request in an effort to verify my loan to pay off the past due balance on the account. Texas HAF received the document XX/XX/XXXX with the incorrect borrower information on the request form. I have contacted PNC Bank several times weekly via telephone and email in an effort to get the correct information updated on the validation request and submitted to Tx HAF. I contacted representatives with PNC Mortgage XXXXoss Mitigation and Customer Service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX with no updates in regards to the validation request or the status of the document. My caseworker with Tx HAF has also attempted contact with PNC directly XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX without success. It is imperative that I am able to get this issue resolved in an effort to receive payment for the past due balance on my mortgage loan and avoid any foreclosure proceedings on my home. Communication with PNC Bank has been extremely onerous and the service I have been receiving as a borrower is subpar to say the least. PNC Bank has not demonstrated any effort or willingness to comply with requests made by myself or representatives from Texas Department of Housing and Community Affairs. It is unacceptable that the incorrect information was submitted on my behalf, and the delay and lack of earnestness it is taking to rectify the situation by completing the validation request with my correct information. | ||||||
| 09/17/2019 | Yes |
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| We are in the process of purchasing a home and using PNC Bank for our mortgage. We are supposed to close on XX/XX/XXXX however, on XX/XX/XXXX, we received an email from the mortgage loan officer stating there is likely going to be a delay in our closing. This delay is the result of PNC requiring a 2nd appraisal because the home is a " flipped '' property. This information was not disclosed when initially applying for the loan, nor was it addressed until the first appraisal came in ( at agreed up sale price ). While FHA loans require this additional step, conventional loans do not have any " anti-flip policy. '' Not only are we finding out 2 weeks before we are supposed to close that we must have this 2nd appraisal, we are also being told we must pay for the appraisal ourselves. For FHA loans, the buyer can not be the one to pay for the 2nd appraisal ; it must either be the lender or the seller. Furthermore, had we utilized a different lender, we would NOT have been required to perform a 2nd appraisal ( this was confirmed through our realtor who discussed it with one of their commonly used lenders ). Given that the rule is " the lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. XXXX XXXX requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value, condition, and marketability of the property, '' we are requesting that the lender be responsible for the payment of this lender-specific 2nd appraisal. If they would have disclosed this information at the beginning of our process, we would have been able to move on to a different lender. However, now that our credit scores have already been pulled, and we are two weeks out from our closing, we are stuck in this situation. Despite providing information to PNC in regards to the responsibility of this 2nd appraisal cost, our mortgage lender has made it clear they will not cover this expense and we will be required to pay for the subsequent, lender-specific, appraisal. | ||||||
| 05/31/2017 | Yes |
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Web | Servicemember |
| I stopped making payments on my private student loans because no one could give me the original contracts for the loans that showed the interest rates being charged. Various debt collectors sent letters over the years seeking varying amounts. One week before the six-year statute of limitations expired in my state, XXXX brought a lawsuit in state circuit court. The contract attached to the complaint said that a different state 's law governed the enforcement of the contract. That state has a four-year statute of limitations. The issue of whether XXXX filed a lawsuit after the expiration of the statute of limitations is currently pending before my state 's Supreme Court on interlocutory appeal. Another part of the interlocutory appeal is whether the mistakes on the summons result in a lack of personal jurisdiction. XXXX did not sue in its legal name, which is " The XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' It admitted that it did not own the loans that it sued upon. It also later admitted that it did not have the original contracts that it sued upon, which are necessary under the " best evidence rule '' at trial. XXXX claims to be a loan servicer and that XXXX other corporations own the loans. My credit report showed that a completely different corporation owned at least XXXX of the loans sued upon. XXXX did not include all XXXX loan account numbers in the complaint and refused to add the true owners of the loans as " necessary parties '' to the case. In my state, a loan servicer that collects loans it does not own is operating as a " collection agency. '' A collection agency must be licensed in my state, and XXXX was not at the time of the lawsuit. In my state, a collection agency is not allowed to bring a lawsuit on behalf of a creditor or any other entity. I have alerted my state attorney general and the department of licensing. I am writing this to help anyone who has been sued by this corporation. State and federal consumer protection laws may help you file a counterclaim. | ||||||
| 12/10/2021 | Yes |
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Web | Servicemember |
| I am a joint owner of a HELOC loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and HELOC loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local PNC bank branch and changed the contact information associated with the HELOC loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by PNC that these actions occurred. I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly 100 points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account 60 past due. I immediately paid the past due balance and notified the bank of the issue. PNC confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper PNC process and was denied. At no point did PNC contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months. | ||||||
| 04/28/2018 | Yes |
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| PNC Mortgage offered a forbearance plan to me due to Hurricane Irma and at the time of acceptance they stated I could easily do a loan deferment or loan modification at the end of the term. With that said they would not discuss my options or evaluate my mortgage until the forbearance was over and the loan was in default. Upon default they explained that the deferment was not an option and the modification would take months to approve if it was even approved at all. I faxed in the loan modification paperwork twice ( I have the sent receipts ) although each time they stated they did not receive it but it could be still in the process of uploading into their system which takes a minimum of 3 days. On XX/XX/18 their collections department called demanding the money and stated as long as I made the payment that day I would not be reported to the credit bureaus so I reluctantly made the payment in full and the very next day my credit dropped 118 points. Upon filing a complaint with PNC bank their complaint department stated to me that there is absolutely nothing that can be done and that they report to the credit bureaus on the XXXX of each month. The collections department representatives each and every conversation refused to tell me when they report to credit bureaus. I feel like I was taken advantage of. Nothing was ever signed. They are refusing to send me the " so called '' recorded conversations. They ruined my credit and are refusing to allow me to refinance when I have over $ 200k in equity in the house so they can keep charging me for mortgage insurance. They deceived me and I'm sure they have ruined plenty of natural disaster victims lives due to their process. All I want is for them to help fix my credit and allow me to refinance in order to remove my co-signer as she does not participate any more. Additionally, I had to use every penny I had in my savings to pay the 6 months of forbearance so it would be nice if they could return that to me and defer the missed months to the end of the mortgage or something. | ||||||
| 07/19/2023 | Yes |
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| On XX/XX/XXXX I received a text message from PNC alerting me that they suspected fraudulent activity on my card. I replied to the message ASAP stating that the charge was wrong and that it should be flagged. I think called a few hours later just to make sure everything was taken care of and that my card was cancelled. I was assured on that call that the card had been cancelled but that since the charges were still pending I would have to wait and see if they actually went through before further action could be taken. After that I received weird emails in my inbox directly from XXXX stating that orders had been shipped. I immediately called XXXX stating that these orders were made fraudulently and that they need to be cancelled. I looked at my PNC account it looked as if there were 15 separate charges of {$300.00}. All from XXXX and all including the exact same product. They said that since they had already shipped there was nothing they could do about it. I then proceeded to call UPS, who they said they were being shipped by to cancel the shipment and send them back to XXXX as I did NOT want these products. They said there was nothing they could do on their end as the shipping process had already started. Once the charges formally hit my account I called the bank to file the dispute and then received a provisional credit a few weeks later. Then, Friday, XX/XX/XXXX I received a few letters in the mail stating that XXXX of the charges were found fraudulent but the other 12 were not. I don't understand how if all of these charges were made at the same time, for the same order, for the exact same amount how a few could be found in error but the others could be ruled as intentional. We did NOT make these purchases and did everything as we should have as consumers to take care of this back when it all happened. We have talked to multiple people at the institution and no one can provide us a rational reason as to why this didn't get approved and they are also unwilling to help us fight this to get our money back. | ||||||
| 03/30/2018 | Yes |
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| I have copied below previous complaints submitted. XXXX XXXX from PNC Bank requested that I provide a note from my mother 's doctor stating she was incapable of handling her affairs. I have complied with PNC Bank 's request and provided a note from my mother 's doctor, XXXX XXXX. I also provided several pages of medical records and notes from XXXX ( XXXX ) and XXXX XXXX XXXX ( the 24/7 home care ) indicating my mother was incompetent and unable to communicate. Obviously, my mother could not drive, therefore, the only person who could have taken my mother to the bank ( the day after I left North Carolina ) was my brother, XXXX XXXX. This was on XX/XX/XXXX. My mother 's account was set up as payable upon death ( POD ) in my name, XXXX XXXX XXXX, XXXX. Therefore, my brother took her to the bank on XX/XX/XXXX, the day after I returned to Nevada, per the cancelled check and had PNC close the account. My mother could not communicate, therefore, my brother would have been the only one to 'talk ' to a bank representative as she was unable to speak, write, read, etc. He had no authorization. How he could convince PNC to close my mom 's account is beyond comprehension. There are elder abuse laws regarding financial exploitation and PNC should have been suspicious being that my mom could not communicate to them. They should have called authorities immediately. That did not happen. PNC issued a Cashier 's Check in excess of {$17000.00} and there is no record of where that money went. We do know it didn't go into any of my mother 's accounts. As I was the beneficiary on this account it should have been paid to me upon my mother 's death on XX/XX/XXXX. PNC Bank needs to reimburse me for their error and they can go after my brother for his wrong doing if they choose. All the back-up information has been previously sent in the following complaints : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I complied with PNC Bank 's demands and have lived up to my responsibility in this matter. It is time they do the same. | ||||||
| 10/20/2017 | Yes |
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| My house was f looded due Hurricane Harvey. I do have flood insurance and went through all the proper channels in filing a timely claim with XXXX. The house has been inspected by XXXX and they have sent a check for insurance proceeds co-endorsed to myself and the mortgage company who is PNC Mortgage. I have filed all requisite paperwork with PNC Mortgage multiple times, every time I call them I get a new request for paperwork that has already been submitted multiple times. Regardless, PNC is refusing to release any funds until 100 % of the work is finished. XXXX and PNC Mortgage in mid XXXXXXXXX told me to find a contractor and get an estimate and sign the contract with my chosen contractor and begin the rebuild of the house. I did just that and the contractor required some upfront costs as well as payment for work done such as sheetrock, paint, doors, trim all construction costs incurred to date. PNC originally told me that insurance proceeds would be paid out in third inciments meaning 1/3 up front, 1/3 when the house is 50 % finished and then 1/3 when the house is 100 % finished. PNC is refusing to honor this and has yet to pay anything except a {$5000.00} advance from XXXX. PNC is currently holding {$76000.00} of insurance proceeds. To date, I am {$69000.00} out of pocket because PNC told me that payment would follow the above installment plan. My house will not be to 100 % complete until XX/XX/XXXX backorder of workers who are to install tile and flooring. 2 months with {$0.00} will literally bankrupt me because some of the work that was completed is on credit cards. PNC asked me to submit all invoices and checks that prove that I have paid out of pocket which I did, and continue to do as I incur costs. I feel completely taken advantage of and steam rolled by PNC Mortgage. They have been so terrible to work with from not giving me clear instructions, to misleading payment timelines to outright lies and untruths of how they will deal with the insurance proceeds once they have received a check from insurance. | ||||||
| 05/03/2023 | Yes |
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| On XX/XX/2023 PNC was notified that XXXX has pulled out of the state of Florida for home owners insurance. Despite them receiving a new policy to pay that I signed, they still paid XXXX a premium, for a policy I would have never had. They received a quote from XXXX insurance and paid that premium without my authorization. Then the insurance that I signed up for, they decided to pay them twice. All by the time it was XXXX. I received the check from XXXX and deposited it back into my PNC escrow account on XX/XX/XXXX, but they said it will not hit my account until XXXX. I found out about the additional payment to XXXX XXXX on XX/XX/2023. I had to speak to two people in the insurance department before someone would finally put a stop payment on the check since XXXX XXXX already cashed the first one and had not received it yet. That also will not hit my escrow account until XX/XX/XXXX. They have done absolutely nothing to fix this and put the entire responsibility on the consumerme. They then reported this to the Credit Bureau saying that I took money out on my home changing my total balance with them. Over {$13000.00} of a difference on the balance I owe on my home. This has dropped my credit score. I have to wait until XX/XX/XXXX to then have to call them, ask them to re-evaluate my escrow account. Once I do that, I then have to call the mortgage department for them to call the credit bureau and explain what happened to they can edit my credit score. PNC has made numerous payments on my behalf without my authorization. They were never going to fix this without me finding it. They were not authorized to change my balance. Then they wrongly charged me additionally for hazard insurance until I had to make them look at my insurance policy to find I did have hazard. At that time they had THREE policys on my account and still said I didnt have hazard insurance. PNC customer service is pointless. Their departments are pointless. They make massive mistakes and require their customers to do all the work for them to fix it. | ||||||
| 08/02/2019 | Yes |
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| So my first complaint is closed that the company responded. Unfortunately I still need help as the agent they assigned to me dropped the ball. He left me a voice mail on XX/XX/XXXX that he was leaving on vacation and needed more time to research. He then neglected to return any of my calls until XX/XX/XXXX. on XXXX I logged in and see his letter in regards to the payments lost. This agent uses the words " claimed '' to refer to me as if I am lying and states they received my payments in XX/XX/XXXX. That is very clear as that is when I finally made the payments for the back months that PNC couldn't find from the online bill pay done my bank that came out of my account that they could never find. After 90 days of trying to remedy the situation I finally called my bank and had them research and cancel all 3 payments so I could do a check over the phone to catch the account up. I was charged multiple fees and this resulted in negative credit reporting. The agent never got back to me and I know that are notes on the account of me trying to remedy that solution. My credit was marked with a 30 day late and a 60 day late. This holds me XXXX to PNC as I can't refinance my mortgage with a competent bank until I have 12 months of no late payments. The first issue was the condo policy insurance that happened every year and he references in his claim that renewal documentation wasn't in time during XXXX. Well I am not surprised that is exactly what I told him the years of previous insurance issues were from. The HOA will not provide to the mortgage company, PNC never sends the request to me for the insurance to provide, they only notify the HOA and I am never notified until I show up as making a partial payment and then provide the insurance -- -every year this results in fees and typically a 30 day late. They did not remedy the situation, in fact the agent went on vacation and closed this out. I never got the follow up needed. Please help me in holding PNC to the federal regulations that they are required to abide by. | ||||||
| 11/19/2021 | Yes |
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| XXXX XXXX I went into local XXXXXXXX XXXX PNC Bank branch and changed address from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX All statements have been received to date at the XXXX XXXXXXXX XXXX address for account in question. XX/XX/XXXX I received a notice of unclaimed money from a XXXX XXXX XXXX ( private company ) offering to reclaim child 's XXXX funds for a fee of {$910.00}. XX/XX/XXXX I called PNC toll free customer service number and waited 30 minutes - no one answered. XX/XX/XXXX I called PNC special fraud number, waited ten minutes, got a ring tone, rang for 50 times and I eventually hung up since no one was going to answer. XX/XX/XXXX I called PNC XXXXXXXX NC local branch and spoke with branch manager, XXXX XXXX, who informed me that account was closed due to inactivity and all funds were transferred to State of NC. I mentioned that I never received notification from PNC alerting me to the fact that there was inactivity and account would be closed. XXXX XXXX stated that a letter went out in XX/XX/XXXX. I have been receiving all statements for this account at my XXXX address but not this notice. XX/XX/XXXX I called the State of NC and spoke with XXXX who informed me that PNC transferred my daughter 's college funds ( XXXX Account ) to the State of NC on XX/XX/XXXX. They had an address on file of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This was my old address. PNC had my XXXX address. Why, then, did they send the notice of inactivity to the wrong address? Why do they have the right to cancel a XXXX account since I can not legally take out funds until my daughter turns XXXX? XXXX from State of NC submitted claim # XXXX and it will take 90 days for me to receive my daughter 's college funds. Question : Who is responsible for the {$20.00} fee that PNC is charging me for escheatment? Question : What will be the tax implications for closing a XXXX account prior to daughter turning XXXX? None of this was my fault. Thank you. Regards, XXXX XXXX | ||||||
| 12/03/2018 | Yes |
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| PNC mortgage is reporting XX/XX/XXXX payment as 30 days late on my XXXX and XXXX credit reports. Also the company omitted reporting my XX/XX/XXXX payment. Around XXXX or XXXX of XXXX, I began disputing the inaccuracy of this to all three credit bureaus. The company did not respond to XXXX and as a result, the account was removed from my XXXX credit report. The company responded to the other two agencies by deleting information for past payment history for years prior to XXXX. This only resulting in the company giving a " response '' to the credit bureau, but not making the accurate corrections. I kept disputing every 30 days, but nothing changed. The company continued to respond to say the payment history was correct. When I called PNC mortgage directly, I was told my account was showing current and paid as agreed for XX/XX/XXXX. I was told disputes are only handled in writing and had to be mailed to XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX, I mailed three letters ( one to XXXX XXXX XXXXXXXX and the others to XXXX XXXX XXXXXXXX to insure the company received them ) with copies of the supporting information. A written letter stating my dispute, a copy of the payment funds and date drafted from my bank account, a copy of my account from their website and a copy of my credit reports showing the inaccuracy of the XX/XX/XXXX payment, which shows as 30 days late for XXXX and XXXX. I received a letter from PNC Bank dated XX/XX/XXXX which stated the accuracy of my XXXX payments and that they can not remove any negative information. The letter stated the payment for XX/XX/XXXX was reported as current/ paid as agreed. On XX/XX/XXXX PNC bank continued to report my XX/XX/XXXX payment as 30 days late. This was reported to XXXX and XXXX. I have emailed them, but have not gotten a response. I've tried calling again and still have been directed to send another letter to the address given. This issue has been unresolved for almost an entire year. It seems that they are purposely reporting this account as 30 days late. | ||||||
| 06/28/2017 | Yes |
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| I send this letter to file a complaint and to inform you that PNC Bank and their investors are in the process of rejecting my attempt to have a short sale of my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. My current economics simply do not allow me to pay this mortgage and a short sale is my most logical option for me to financially get back on my feet. I have asked PNC Bank what else do I need to do or prove to receive financial assistance in the form of a short sale and they choose not to pay attention to the facts and details that have brought me to this moment. I was told by my former employer of 13 years that I was going to be terminated at the end of 2016 and I scrambled for several months to find a job I was qualified for which happened to be more then 100 miles away from my home in XXXX. By moving and taking this new employment in north XXXX, I also accepted a pay reduction that will come out to nearly {$30000.00} less annually than what I made previous years. A comparison of past pay stubs will support this. I have a rental property that is operating at a negative cash flow rate, which is another major contributor to my economic troubles and is also a candidate for short sale/foreclosure. Im also in the process of recovering from a failed business attempt to open a pharmacy. Previously I had marked a XXXX XXXX Money Market account as a personal retirement / investment account which at one point had over {$85000.00} in it and it is now reduced to nearly {$15000.00} which will be reduced even further to pay off other debts associated to this failed business opportunity. Based upon all these factors, is there still no way to approve this short sale or at least have me pay forward a penalty so I can come to a settlement with PNC? PNC Bank refuses at this moment to listen to my requests and has decided to list my home for foreclosure on XX/XX/XXXXof this year. Please help me. Review my file with PNC Bank and please help me come to a resolution where I may avoid foreclosure and financial ruin to my credit. | ||||||
| 01/18/2021 | Yes |
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| PNC Bank denied my dispute and removed reimbursed funds from my account and have not re-refunded me my money in the amount of two transactions totally {$260.00}. I booked a hotel XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL through XXXX. once me any my fiance checked in and headed to our room with our luggage was shocked and terrified upon what we came in contact with. I swiped my card and turned the light on. A random, XXXX, middle-aged, big man laying on the bed in the dark with the curtains closed. He jumped up and ran out the room. We were completely horrified and in shock and went back to the front desk telling the girl at the front desk what had happened. We told her we didn't feel safe in our room and we wanted a full refund and to check out. The girl was completely empathetic to the situation and apologizing. She told us there wasn't a manager on the property at that time and to contact XXXX for the refund. I contacted XXXX which they told us only the property could release the refund. Needless to say, we left that hotel and went to another hotel for our vacation at the XXXX XXXX XXXX a half hour later. I tried contacting the property through email and number provided but they ignored all my communication attempts. I contacted their main headquarters in XXXX, MD " XXXX XXXX. '' I filed a complaint with them about this XXXX XXXX. I filed two disputes with my bank, PNC because the hotel still charged me two transactions for the room amount in the total of {$260.00}. PNC bank reimbursemed me initially upon my disputes. XX/XX/2020 PNC bank removed that money from my checking account and sent a letter of the denial of my dispute stating they had not recieved any documentation for the dispute. I faxed my same documentation again a second time with confirmation from a local PNC branch. They are still ignoring my requests and have not gave me rightfully my money back to me that they took directly out of my account without any notice. I am highly appalled with PNC bank and their customer service. | ||||||
| 10/29/2015 | Yes |
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| In XXXX we applied for a line of credit with a credit union to consolidate some debts. Their search turned up XXXX line of credit loans with PNC bankXXXX XXXX XXXX XXXX old line that I thought had expired years ago. The other XXXX XXXX ) was a current line that was an active account. I called PNC customer service and was told to FAX a letter to remove the loans from the books. I decided to do these XXXX XXXX XXXX ) at a time so to avoid confusion. After hearing nothing more about the loan for two weeks, the PNC customer service person said it would take about ten days, I called again. The PNC customer service person said they never got my FAX and to resend the letter again which I did. About a week later I went to a local PNC branch office to talk to some XXXX in person about the issues I was having. While there I spoke with another PNC customer service person and she told me that the loan office had never received my second FAX. I sent another request to remove this loan from there and went home. When I got home the mail was in and with it was a letter from PNC that they had removed ( XXXX ) from the books. I was confused but happy, XXXX down XXXX more to go XXXX XXXX ). On XXXX I sent PNC the early termination fee and a message to clear and remove from the books line of credit ... XXXX. PNC 's Response was to FAX or mail a letter to them with this request so I mailed the request certified mail. In two weeks I called PNC again and was informed that they had not received my request. When I told them that I had a receipt stamped by their receiver the customer service person put me on hold and transferred me to another customer service person. This transferring me around took me through XXXX other operators. With the third XXXX I ended the call and told the operator that I was tired of being transferred around and would seek higher authority 's. I feel that this bank is trying to force me to stay with them by making getting a loan at another bank so difficult. And that I just give up and get the loan at PNC. | ||||||
| 08/02/2020 | Yes |
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| XX/XX/XXXX Dear FTC, I applied for forbearance consideration with my mortgage lender ( PNC Bank N.A . ) under the terms of the 2020 Cares Act mortgage forbearance Terms on XX/XX/XXXX. Unfortunately, PNC countered with a forbearance program that was inconsistent with the Cares Act in that the loan modification would be " resulting in additional interest accruing over the life of the loan. '' See PNC letter Dated XX/XX/XXXX. I found that response very troubling. Due to the inconsistency with the 2020 Cares Act ( Section 4022 b ( 3 ) titled " Accrual of Interest or Fees '', I declined the PNC forbearance offer in writing on XXXX, XXXX. PNC Bank put me in their forbearance program anyhow. In my opinion, PNC appeared to unfairly put themselves in position to increase their profit from my loan despite Cares Act forbidding such activity. I have made numerous calls and trips to PNC bank to clarify the additional fees or interest they are planning to charge me via a modified amortization schedule that would show such additional time line of payments and/or any additional interest. They have refused to provide a amortization schedule or document that could verify I would pay no more than the total total finance charges of {$300000.00} listed on my original Installment Loan Disclosure document dated XX/XX/XXXX. They claimed no original amortization schedule existed at time of closing ( not provided to me with closing documents ) or could possibly be produced as a result of a forbearance loan modification. In fact, Ms. XXXX XXXX ( PNC retail support expediter ) refused my specific requests for original and modified amortization schedules during my phone conversation with her on XX/XX/XXXX at approx XXXX XXXX claiming that an amortization schedule for my loan " does not '' and " can not possibly '' exist. I find that position inexplicable as well as unacceptable. I would sincerely appreciate your help resolving my concern over this apparent Cares Act violation. Sincerely Yours, XXXX XXXX XXXX XXXX. Encl. 6 pages | ||||||
| 05/11/2021 | Yes |
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| From XX/XX/XXXX to XXXX XXXX I online dated this person mentioned below. His name was XXXX XXXX XXXX or XXXX XXXX. : His most recent mobile number that I sent numerous texting messages to was as follows : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - Outdated Mobile ( XXXX ) XXXX XXXX XXXX XXXX -another old disconnected mobile number ( XXXX ) XXXX XX/XX/XXXX, XXXX I remained in the relationship with XXXX XXXX and was scammed by him ; XXXX XXXX XXXX never met him either, but he said he was XXXX XXXX XXXX PERSONAL stockbroker ), was the person that got my information and when he sent the checks that he ordered checks ( 2 times ) ( fraudulent conveyance ) on an account he created with my name on it ( so he says ) at the PNC Bank XXXX I never received any of this money, nor cashed any of the checks, although I tried the online bank declined me for Deposit that would have covered my tuition, books, incidentals of {$19000.00}. but the PNC Checking account # was XXXX for one account ; XXXX XXXX - Mobile # XXXX XXXX XXXX XXXX and it was PNC # XXXX XXXX Routing # XXXX XXXX, for the other account. XX/XX/XXXX - I received an invoice from XXXX, in the amount of {$28.00}. We were dating, so I asked him to pay my tuition for XXXX XXXX, which I have been attending since XXXX, but switched the school I was originally attending because I could not afford to pay such steep fees. I attended XXXX from XXXX to XXXX and was paying to finance it. I am now attending XXXX since XXXX - Present. Therefore, I asked the aforementioned boyfriend whom I never met to fund my tuition, so he said OK, that he would be willing to it. Therefore that's what I believed he was doing the PNC money for my tuition. But now I believe he was not real all those months and days, ane year that has passed, I now believe that he was a fictitious and fake person, that made up his identity. He set up an account and had checks mailed to me, of which I shredded, afraid to use them because I was being scammed, and had been issued fake checks to go to prison. | ||||||
| 11/07/2016 | Yes |
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| I purchased a sofa online at XXXX in XX/XX/2016 using my PNC Bank Debit XXXX Card. The transaction Date was XX/XX/2016 in the amount of {$3500.00}, and the sofa was delivered on XX/XX/2016. Upon close inspection, I found defects in the alignment and upholstery, and contacted XXXX immediately and followed up with an email and photos of the defects. I received a call from a XXXX agent 2 days indicating a replacement of the defective sofa would be coming in XX/XX/2016, and to keep this sofa until that time. The second sofa was delivered on XXXX XXXX, 2016. I inspected the sofa outside my home as it was unloaded from the delivery truck, and found the same upholstery and alignment defects as the first sofa. I phoned XXXX and both sofas were taken by the delivery agents, and was told a credit would be forthcoming when the sofas were returned to the warehouse. Before signing the XXXX bills provided by the delivery agent, I NOTED the DEFECTS in the SOFAS, and made copies to RETAIN FOR MY RECORDS. I contacted PNC Bank in XX/XX/2016 to dispute the purchase when XXXX did not issue a credit timely. A provisional credit was issued, and subsequently reversed XX/XX/2016. I made another transaction dispute on XX/XX/2016. It was subsequently denied on XX/XX/2016. I made another transaction dispute on XX/XX/2016, and it was denied on XX/XX/2016. I have provided this information by phone and in writing to PNC Bank at least 6 times. My written communication, fax confirmations, and PNC Bank correspondence is included in the attachment. As of this date, I can expect collection activity to begin for a sofa in the amount of {$3500.00}, that I do not even have in my possession, and was just plainly substandard quality. Additionally, XXXX advertises on their website that their furniture is manufactured in XXXX, when in fact I examined both of the tags on the sofas that were delivered to me, and each indicated being manufactured in XXXX not XXXX. Furthermore, as of this date, XXXX has not issued a credit for the returned sofas yet. | ||||||
| 12/01/2016 | Yes |
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Web | Older American |
| I am the executrix of my mother 's estate. She died almost 3 years ago.. She has XXXX accounts at XXXX XXXX Bank XXXX I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent 6 hours and 36 minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the 6 hours and 36 minutes I had contact with XXXX people and total conversation with each was about 5 minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information. It is impossible for me to get help with this. I have tried and tried. I have heard nothing back from the first complaint I filed. | ||||||
| 10/14/2021 | Yes |
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| BBVA Compass bank purchased by PNC Bank. Email correspondence informed customers that online banking login from Compass Bank BBVA would still work with PNC. I am able to login, but do not see my personal checking account, business checking account or business line of credit. I need to pay my contractors, pay payroll tax, pay myself, and can not access money. I am currently traveling and unable to go to a branch in person. Tuesday XXXX XX/XX/XXXX - unable to access personal checking account, business checking account, business line of credit. Emailed long time BBVA Compass bank contact, now a PNC employee. No response. Tuesday - called local PNC branch in XXXX ( XXXX ) XXXX several times, finally spoke to a teller who informed me they are having serious issues with many many customers and my accounts should show up by the end of the day. In the meantime, I called PNC XXXX, and waited on hold for more than 45 minutes several times. Never spoke to anyone at the 800 number. Wednesday XX/XX/XXXX - Still no account access. Called XXXX and waited on hold again for more than an hour. Nobody every answered. Called the local branch again and now nobody answers that line. I visited XXXX and the XXXX XXXX account, where they have the audacity to tweet they 'are here to help ' and there is obviously someone managing that account. I sent them a direct message several times and tweeted about my frustration. There are many others that chimed in that are having the same issues. The website appears to be down so now I can not login at all. Thursday XX/XX/XXXX - Still no account access. Still no account access. Called XXXX and waited on hold again for more than an hour. Nobody every answered. Called the local branch again and now nobody answers that line. More people on XXXX voicing frustration, and I even see XXXX XXXX active on XXXX, but no response to my tweets or direct messages. Some people are leaving phone numbers, I have called and left messages for PNC employees. I don't know what to do at this point. | ||||||
| 07/13/2017 | Yes |
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| I have been a past customer of PNC bank and changed my checking away from this bank several years ago, but kept a credit card open with them. I opened a new checking account with PNC in XXXX 2017 as I was looking for another bank close to my home and a friend had good experiences with that branch, so I figured Id give them another shot. I applied for a new checking account with a bonus that advertised {$200.00} for {$2000.00} of direct deposits and 10 debit card purchases in the first 60 days, which I completed. I called in XXXX to verify the terms of this promotion and wrote them down on a post-it note, which I still have at my desk. This promotion was listed for existing customers who hadnt had a checking account with PNC with the last X months, I dont remember the exact window, just that I fell within it. On XXXX XXXX, approximately 90 days after account opening, I sent a chat message to confirm when the promotion would be posted to my account, and after extensive time to research, told me the promotion was not on my account and I would have to call in for further research. I then called and spoke to a XXXX XXXX who told me that though I met the requirements, the promotion code had not been applied to my account. She told me she called the branch and was unable to talk to the person who had opened my account which makes sense since the account had been opened online. She suggested I go in to a branch, at which point I told her it was unlikely I was going to speak to a third person about this and would just file this complaint. At this point, she transferred me to a XXXX XXXX, an escalations manager, who filed a dispute for a bonus not received and told me she would contact me with the results of that dispute. It has been one week since we spoke and there has not yet been an update. I do n't understand what the " dispute '' in this situation is since I fulfilled the terms set forth by PNC. I have the confirmation number from when I opened this account online available. | ||||||
| 10/18/2022 | Yes |
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Web | Servicemember |
| An employee at my local PNC Bank branch mishandled my funds on XX/XX/XXXX, resulting in the loss of {$14000.00}. She let me in about XXXX minutes after the bank had closed and rushed through a wire transfer, a type of transaction I did not understand, nor ever try to transact before, nor explicitly ask for on this day. I was visibly distraught due to a phone scam situation, however, she did not care or ask what was wrong. She assumed this transfer was what I needed without explaining the transaction type. She did not probe or screen at all for potential fraud, which is the standard protocol of any financial institution. I believe the employee could have been involved in the scam, as the caller had mentioned PNC and asked me to visit the branch after an online transfer wasn't possible. Even if not directly involved, the employee was recklessly fast due to the late hour, negligent, and thus, breached her fiduciary duty as a bank employee. By the bank 's own admission she was someone temporarily assigned to the branch during a remodeling project, and lacked proper training. I have previously submitted complaint # XXXX with the CFPB, stating that the bank ignored my appeal letter dated XX/XX/XXXX and tried to convince me that the fraud occurred through no fault of their own, but was entirely my fault simply because I'm a senior citizen. When the bank responded on XX/XX/XXXX to this complaint, they falsely stated that I had authorized the transfer. The employee forced me to sign a paper prematurely without explaining anything. Her lack of communication, naturally, would not constitute an authorization of anything at all. Furthermore, the denial letter states that the transfer was to cover my medical expenses, which is also false. I have never mentioned anything about medical expenses to any of the bank personnel. These false statements by the bank lead me to believe that they did not truly investigate the incident, as they had promised, and that they may even be confusing me with another client. | ||||||
| 10/04/2016 | Yes |
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Web | Older American |
| On XX/XX/2016, my accounts were closed by PNC bank branch located at XXXX, XXXX in XXXX in an unjust and unfair manner. This morning I met with the branch manager, XXXX, to determine why my Social Security monthly benefit was not available in either my checking or saving accounts. I talked with various bank representatives on several occasions to address a transaction that was flagged as fraudulent. In an attempt to help a neighbor, a wire transfer was deposited in my account on XXXX/XXXX/16 and returned on XXXX/XXXX/16. I incurred a return of deposited item fee on XXXX/XXXX/16 for {$12.00} ; continuous overdraft fees of {$7.00} on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XX/XX/2016,XX/XX/2016 ; and continuous overdraft fees of {$21.00} on XXXX/XXXX/16 & XXXX/XXXX/16. The total of these fees is {$89.00}. As on XXXX/XXXX/16, my saving account was charged off in the amount of {$210.00} and my checking account was charged off for {$290.00}. I still do not understand all the fees of how I owe PNC so much money! Previously my accounts have always been in good standing since their inceptions. I attempted to be accountable for the error of trying to help a friend and asked XXXX to deducted the amount owed from monthly benefit but he said " the Social Security Administration has flagged these types of benefits to not allow any of it to be used to pay bank fees ... and that is why the account was closed. '' I ended up sincerely asking XXXX bus drivers to allow me to ride for free because I did not have any money leaving the bank. Honestly, I have not had any money since XXXX/XXXX/16 & my birthday was on XX/XX/XXXX. I am a XXXX and my only financial account is- I mean, was with PNC . Now, I think I have to wait for a check to be issued and sent to me via snail mail ( I will address this matter tomorrow ). No one from PNC contacted me to tell me what was going on and as important, how to keep the accounts active and open. They just closed them and left me broke with tears! Please help & thank you in advance!! | ||||||
| 03/21/2017 | Yes |
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| My mortgage was transferred from XXXX to PNC in mid XXXX, 2016. I made my XXXX, XXXX and XXXX payment to PNC without any problems. My mortgage payment to PNC on XXXX XXXX, 2016 was charted as NSF on XXXX XXXX, 2016. When I called PNC to inquire about why I owed XXXX payments in XXXX and proved that my bank had successfully paid the XXXX payment, an investigation was open. The conclusion came and PNC stated that the money had been requested by XXXX and they paid XXXX money in a lump sum ( from multiple payees ) through a wire transfer to a specific person. They could not provide information as to why the money was requested and suggested I contact XXXX. I did and they opened an investigation and can not verify why the money was requested and stated that PNC should know the reason if they sent the money. I have been back and forth with both companies since XXXX. For the months of XXXX, XXXX, and XXXX, a woman who worked at PNC, a team leader, allowed me to make payments one month at a time until this was resolved since there is a supposed missing payment. This month I have been unsuccessful in contacting her and have been transferred from person to person with no resolution. I have asked repeatedly if I can make my XXXX payment, but PNC will not take " partial payment '' and state that I need to make XXXX payments. I would like to be informed as to why this money was transferred to a third party company three months after my mortgage was transferred to PNC. If I do not owe the payment in question, I would like this cleared from my record. If I do owe it, I want to be informed as to why before making a payment. It seems for the past three months no one has resolved the issue. It is only creating time lost on my end making the phone calls repeatedly over and over again. Also, when I am successful making a payment at PNC they charge a XXXX service fee for not having an account with them. I am not sure why this is allowed since I did not ask for PNC to hold my mortgage, rather it was transferred to them. | ||||||
| 05/13/2015 | Yes |
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| The numerous lawsuits, federal mandates, and horror stories from customers unable to feed and clothe their children has not stopped PNC from unethical accounting practices that maximize their fee collections. I was giving PNC one last chance in the first quarter of 2015 to prove to me like their representative said that they have changed their practices. However, I ran into an issue with my paypal account which resulted in a number of fees. But this was n't even the start - they have gone so far as to execute unauthorized transfers from one account to another without my knowledge that caused over {$200.00} in fees just in this month of XXXX. Each fee is {$36.00}, with an additional {$7.00} a day each day that the account is in the red. From XX/XX/XXXX, I have deposited over {$40000.00} to them, which under many circumstances would make me a relatively valued client. All they seem to see is an easier chance to move money around from account to account without the client noticing. From the XX/XX/2015 until XX/XX/XXXX, I have paid {$2400.00} in fees alone. Thankfully I am blessed and have a well paying job, but there are alot of people out there whose children would n't be able to eat. This has gotten to the point where I am struggling financially now because of their deceptive practices. I would like for the vast majority of fees to be returned, and then for myself and a PNC advisor to sit down and figure out what we can put in place to eliminate all future fees. If this can not be done, I will unfortunately have to cut my 6 year tie with PNC and move on. But it is blatantly obvious what they are doing is wrong, but the fee revenue far outweighs the puny court mandated fees. The system is flawed and attention must be brought on this subject. PNC is a catalyst to Poverty. How can you just take almost {$2500.00} of some ones hard earned money?? Bottom line is that they have used unethical practices to maximize their fees. I have bank statements that show each move and have identified each unlawful fee. | ||||||
| 11/30/2023 | Yes |
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Web | Older American, Servicemember |
| Dear Sirs ; I requested a funds transfer from the investment firm Fidelity XX/XX/2023 in the amount of {$650.00}. I had several auto draft payments which tried to clear around XXXX XXXX on the XXXX. PNC gives you 24 hours to get money transferred before they charge you an overdraft fee. At about XXXX XX/XX/2023 the transfer of funds had not posted to the checking account. I checked again at XXXX XXXX the transfer from fidelity had still not posted to the account. At XXXX the transfer of funds finally posted to the checking account. Along with the posting of the transfer came TWO overdraft fees of {$36.00} dollars each. I called the local branch first and was told they would put the information in the computer and see what it said. I was told by the representative at the branch the computer denied the reversal of any of the fees and I asked if even one of them could be removed and was told NO. I also called the Executive Client Relations line and spoke with XXXX and got the same answer I will see what the computer says. She said the computer said NO. I had this problem before in XX/XX/2023 and was told they would not charge me any overdraft fees as long as it was not a debit card use or a check tried to clear and not charge any overdraft fees, because I had no control over any ACH drafts which were trying to clear. I was told today they never heard of such. I am a Senior Citizen and have a hard time as it is. In XX/XX/2023 they were charging me overdraft fees because there system always delayed the posting or giving me credit for the SS check being there but taking over 24 hours to post and showing a credit for the amount SS sent to the bank. PNC still does this they will show the SS check posted but funds are not immediately available for 24 hours. The bank reps have told me they do that because the check may not be good??? They do any transfers from Fidelity the same way. PNC just refuses to take off the {$72.00} charged. I appreciate your assistance in this matter. Sincerely XXXX XXXX | ||||||
| 11/20/2017 | Yes |
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| On XX/XX/XXXX I placed a call to PNC bank which is the provider of my XXXX XXXX prepaid debit card. I called in order to launch a dispute over a charge that occurred on XX/XX/XXXX in the amount of {$390.00}. I was told that the process could take up to 45 business days and that a provisional credit would be credited to my account within 10 business days if they determine the dispute would take longer than that to resolve. Since that day I 've called multiple times in order to receive status updates and have been told nothing has been done yet with regards to the dispute. I once again called today XX/XX/XXXX and I spoke with XXXX in the disputes department at approximately XXXX EST. I was informed by her that the process of investigating the dispute is still on going and that I would not be receiving any provisional credit within 10 business days like was previously stated. I informed her the 10th business day would fall on the XX/XX/XXXX due to holidays and that I had been told by that day I would receive a provisonal credit if the matter was still under investigation. XXXX then informed me that she was told by another associate ( perhaps a supervisor ) that on the XX/XX/XXXX they would mail out a letter to my home address stating the decision theyve reached with regards to the dispute and said letter could take another 7 business days to reach me. I again asked about the credit and was told that I would not be receiving that provisional credit. I informed XXXX that said act is in violation of the terms of service of my PNC XXXX XXXX card and goes against federal regulations with regards to disputed charges and the legally allotted time for a credit or decision to be determined. It seems that PNC bank is willfully violating federal regulations as well as their own terms of service contract with their clients in this instance myself. I am attaching a copy of the PNC XXXX XXXX terms of service which clearly indicates that PNC will issue credits within ten business days of receiving a dispute. | ||||||
| 10/31/2017 | Yes |
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| I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. | ||||||
| 08/30/2018 | Yes |
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| I took a personal loan with PNC bank on XX/XX/XXXX for {$1000.00} with a maturity date of XX/XX/XXXX and interest rate of 15 %, I have been making payments, I was late a couple of times. I called in XX/XX/XXXX and stated that I could not make that months payment and advised the representative to start automatically deducted that payments from my checking account for the XXXX, and every month since then PNC have been deducting XXXX from my checking account and sending me the copy of the checks, so I thought everything was up to date and current, until PNC drafted {$69.00} from my checking account on XX/XX/XXXX. I called in and spoke to a representative that advised me that my account was past due and {$69.00} was the past due payment of {$34.00} and the current payment {$34.00}. I logged into my account to discover that between XX/XX/XXXX to the current that the payments that have been made totaled {$470.00} and {$280.00} is late fee, {$130.00} applied to interest, only {$49.00} was applied to the principal and I still owe {$880.00}, {$840.00} is the principal balance, {$40.00} is fees and {$4.00} is interest on a {$1000.00} loan. I was advised that the {$69.00} payment was to bring the account current. I payment of {$30.00} was sent by my payroll department on XX/XX/XXXX. I started receiving collection calls on XX/XX/XXXX for the {$4.00} difference. I logged on the PNC and made an additional payment of {$10.00} on XX/XX/XXXX. I was told that I would not get any more late fees unless the minimum payment was not made by the XXXX, since then I have incurred another late fee. I have called in several times to attempt to get some assistance with the account and have not been successful. I was contacted by XXXX XXXX in the executive office by email on XX/XX/XXXX and explained to her what happened on the account and she said she would get back to me in a couple of days. I have left several voice mails and spoken to other people in her department and I have not received a response as of today 's date. | ||||||
| 09/15/2023 | Yes |
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| Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. PNC BANK Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account XXXX Date opened : XX/XX/XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct [ XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MOMENTUM XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ] ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MOMENTUM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. | ||||||
| 03/14/2022 | Yes |
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Web | Older American, Servicemember |
| To : XXXX. XXXX XXXX XXXX - We were notified the first few weeks in XXXX that our mortgage was being purchased by Pnc Bank XXXX XXXX. XXXX. No sooner had the ink dried, we received a letter dated XXXX. XXXX stating that we were behind on our payment and we could lose our home. We called and were told that we owed for XXXX XXXX. We received a letter dated XXXX stating that {$300.00} was going to be taken from our mortgage payment. Then, the bombshell letter also dated XXXX. XXXX, came which was a replica of the letters we had been receiving from XXXX XXXX - stating lies upon lies, refusing our XXXX XXXX, applying our mortgage payments to pay attornety fees, to pay for forced placed escrow ins. and to pay your illegal interest/fees- always threathening us with foreclosure. Now, we understand! Pnc Bank and XXXX XXXX are one and the same. Under your direction, Pnc will not accept our XXXX XXXX. XXXX and XXXX 's proof of our payment ( s ) to XXXX. Under your direction, will not accept our mortgage payments from XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX 's proof of payments. You are following the same path XXXX XXXX has followed the past four years with us- Always rejecting anything that might impede you from taking our home the easiest and least costly way. Why do you want to illegally take the homes of Seniors and Veterans - This is despicable! On XXXX. XXXX. XXXX, an associate said that a certain associate was assigned our case. We called her that same morning and we received a recording - and here, today, XXXX. XXXX to reach out again, we called and the associate asked us if we would speak to anyone in her office. We said yes. She could not connect with that office and we asked if we could speak to a supervisor/manager and she said that she would have one to call us. A supervisor/manager never did call We did not expect them to call for this is the same proceduure used by XXXX XXXX XXXX We will not allow our home to be stolen by Pnc Bank. PNC bank has already been sued for a similar reason! | ||||||
| 10/18/2023 | Yes |
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| On XX/XX/2023, PNC blocked our access to our checking account. We had no access to our money. PNC never reached out to us to warn us or tell us why. We have only gotten some vague explanation about a fraud concern. We have fraud monitoring through XXXX, and XXXX did not detect anything suspicious on our account. XX/XX/2023 was a holiday weekend, and PNC gave us no option for solving this problem until the following XXXX. We were without access to OUR money for the weekend. Bills that we had paid could not go through. On XX/XX/2023, we went to a PNC branch. An employee there helped us open a new checking and savings account. We are not making any complaints about this employee. It took this employee almost XXXX hours to get through to the PNC fraud department. The fraud department lifted the hold on our checking account so that we could transfer money out of the old account and into the new account. We left enough to pay some outstanding bills. The old account was kept open to receive some direct deposits that would not be in time to change to the new account. Since XX/XX/2023, we have called the PNC fraud department to have the hold lifted so that we can transfer money as it comes in. On XX/XX/2023, we transferred a direct deposit from the old account to the new account. On XX/XX/2023, PNC transferred that money back from the new account to the old account. PNC did this without notifying us, without any explanation, without our permission. PLEASE HELP! We are terrified. We don't understand what is going on. PNC is making unilateral decisions about our money without any notice to us. Again, we did not give permission for PNC to take money out of our new checking account, and move it back to the old account. We have no access to it in the old account, and that account was about to be closed. We feel very unsafe with PNC right now, and like something just isn't right. We have little hope that this complaint will do anything, but we are hoping maybe someone will read this and help us. Thank you. | ||||||
| 10/26/2021 | Yes |
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Web | Older American, Servicemember |
| Case Description : ***REFUND NEEDED***. Zero calls NOR emails answered EVER SINCE THEIR " FAILURE '' On XX/XX/2021 I contracted with this now seemingly scammish thieving entity to be this new " broker '' thing to procure my relocation packing loading & moving from XXXX, NM to XXXX NM & paid their required {$1200.00} deposit on a {$3000.00} quote for their locating/binding a crew truck/ carrier by the agreed to window they offered of XXXX XXXX XXXX, 2021 All month whenever I had any questions they barely ever answered their phone ( perhaps every 3rd call ) & NEVER returned any calls or emails ever ... eventually proceeded thru the countdown steps the last 2-5 days prior the QA call that had to be repeated after the last weekend of XXXX when the girl XXXX disappeared amidst a virtual video I wanted to show them how downsized my move had become after selling & giving away so much & all major furniture! XXXX the QA supervisor said Mon the XXXX that all was well & a crew HAD been secured with final info XXXX hours before window begins XXXX or XXXX then makes a 5-second voice msg & 1-2 sentence email telling me " SERVICE FAILURE HAS BEEN CALLED, refund in full of my deposit by US mailed check of {$1200.00} within 2-3 weeks time ''!!!! Really? Ditched me ONE DAY ON XX/XX/XXXX before the 3-day window which was days prior to my " must vacate by '' date of my apartment???? Horrible enough!!! No explanation except " we never found a carrier at that price quote the entire 4 weeks! '' really?? I had been told the reverse of course more than once whenever I called and they ANSWERED So I had to find another broker ( ironically turned out to be XXXX XXXX XXXX w/ an address RIGHT NEXT DOOR AT XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL ! Wow! They got a carrier ( XXXX XXXX XXXX ) in a day and a half at a quote raised to {$4200.00} ( XXXX to {$6900.00}!!! ) anyway STILL NO REFUND SENT BACK TO ME OF {$1200.00} never mind any resultant damages above to say higher costs under time pressure and zero calls answered!! | ||||||
| 12/09/2020 | Yes |
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| 1. I booked a trip through XXXX XXXX on XX/XX/XXXX and paid a {$300.00} deposit via my XXXX account that is linked to my PNC checking account. The trip was to XXXX and scheduled for XX/XX/XXXX. The company is XXXX owned. 2. On XX/XX/XXXX, I received an email from XXXX XXXX that the trip would be postponed until XX/XX/XXXX due to COVID 19 and I could either go on the XXXX trip, book a separate trip, or wait one year and request my money back. 3. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that the company was going into administration ( bankruptcy ) and given options on how to try to get the money back. 4. I filed a dispute with XXXX on XX/XX/XXXX and received an email back indicating that the dispute would need to be worked out with the vendor because it was more than 180 days. I then called XXXX and was told to contact my bank, PNC 5. I called PNC and filed a dispute. I was told I would be given an opportunity to provide documentation and would receive information in the mail. I received a letter from PNC on XX/XX/XXXX rejecting the dispute. 6. A contacted the vendor who told me to inform the bank of the XXXX XXXX XXXX to see if they would accept the dispute 7. I called PNC again, was told the money could not be refunded because the transaction was more than 60 days old, and was instructed to go to a branch. I scheduled an appointment with the branch on XX/XX/XXXX and brought my documentation. The woman at the branch called her colleagues and was told that the bank would not review my documentation and there was nothing they could do. 8. I receive an email from XXXX XXXX providing additional information on how to make a claim through their insurance company XXXX XXXX. I submitted the claim. It was rejected on XX/XX/XXXX because I am not an XXXX or XXXX citizen. 9. I reached out to the XXXX Administrator. There is an administration process but it only pays cents. She indicated in an email dated XX/XX/XXXX that a US Customer had success by filing with the CFPB. | ||||||
| 03/27/2019 | Yes |
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| I opened a new credit account on XX/XX/XXXX with PNC Bank where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at PNC and could not find the account in question as it did not show up in my virtual wallet that I set up with PNC personnel for all of my accounts. I worked with PNC personnel to try and find the account information. After searching PNC customer service figured out where the account information was located. I paid the amount due on theXX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that PNC never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. After I spoke spoke to PNC Customer Service I spoke on theXX/XX/XXXX to the PNC Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though PNC personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage. | ||||||
| 12/12/2016 | Yes |
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| I have been scammed by a person claiming that they are apart of XXXX claiming that the can qualify me for XXXX vouchers to help pay debt. they informed me that I would need to submit to them {$3200.00} by XXXX / XXXX in order to proceed with the program. they informed me that they would need my username and password to login to see if I qualify for the program. I was notified by the rep that i qualified for the program and the next morning I received a deposited amount through mobile bank for {$3900.00}. So the rep informed me to send {$2700.00} by XXXX and {$500.00} through XXXX. Wednesday night, I found out that the amount that was deposited was reversed. I call PNC and they informed me to call XXXX.I called XXXX and they could not pull up my info. The rep asked me what state am I located in. I informed the rep that I reside in Maryland and found out from the rep that XXXX does not cover Maryland. I called PNC again and they informed me to call them in the morning to make a claim. I spoke with a rep in the morning stressed out about the situation and was told that It happens all the time and he claimed that I would handle well and that I could go back to work because it will be resolved. All I need to do was wait for the form to finish the claim. Its been over a week and I have not received the form. I was also told to open another bank account in order to use funds. During the week I deposit money in the new account at PNC finding out that my account is on hold due to the investigation. I called PNC and ask to speak to a manager in the fraud department and I was transferred to Employee Service in mind of that I am not a employee of PNC. I was finally transferred to a rep who claimed that she was a manager and has not cared on how I was treated from the company nor car on how many times I had issues with PNC Debit card had to be replace due to fraud alerts. I want to speak to corporate of PNC Bank. I filled out a IC3 form requested by FBI and filed a report with Federal Trade Commission. | ||||||
| 07/28/2023 | Yes |
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| In XX/XX/XXXX, I opened a spending account in the PNC bank. In the XXXX XXXX XXXXXXXX, I left for an XXXX XXXX XXXX. The payment problems started in XX/XX/XXXX. I couldn't pay by card. Support couldn't explain the reason to me. Since then, the situation has only worsened. All this time I've been writing and calling to the support service. I spent a lot of money on international calls. I was asked to leave a phone number to call back when they understand the problem. I left my foreign number, not the US number because Im not physically in the US. But they called the US number only, which does not work, since I am in another country. In XXXX, in a conversation with support, I accidentally found out that my account was closed and all funds were sent by check to an old American address. But I'm not in the country and I'm tired of repeating it. Why was the account closed? I didn't ask to do it. The system with checks does not work in other countries. I won't be able to cash it anywhere but the USA. But I will not return to the USA very soon. All the support of the PNC is very stubborn. They don't give any information ; they don't want to help. They have one answer, we can only do this and nothing else. Even if it doesn't work for me and I need to look for another way out of a situation in which it's not my fault, but the bank 's. They blocked my account for no reason and couldn't even explain. Recently, I accidentally found out that they sent me all the information by letter on paper to my old address in the USA. But I'm in another country! How many times to say? It doesn't concern them. They work like robots. Why not send all the information and reasons of blocking the card to my email? I get nothing but advertising from the PNC on my email. I'm desperate! My nerves are shattered. During all these months of proceedings, no one has given me the correct information. I need this bank account, I need these funds from the account, but no one understands anything that needs to be done in this bank. | ||||||
| 10/23/2022 | Yes |
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| I am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now. Please see the items below. Account Name : PNC Bank, N.A. Account Number:463404XXXXXXXXXX There is a late payment for XX/XX/2022, which is inaccurate. PNC changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that PNC only accepts federal notes in person for my credit card. PNC has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement. My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months. PNC has also violated 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received notice, not 21 days before the payment was due, not anytime was a notified. XXXX and XXXX are violating 15 USC 1681B and 15 USC 1681C. XXXX does not have my consent to report without my written consent, and they are false reporting. Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft. I have never been late on any payments with PNC Bank at any time, look at the history. | ||||||
| 03/25/2019 | Yes |
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| My daughter and I sold a car that we were on the NOTE together. My daughter and her husband purchased a cashier 's check from PNC bank where they bank payable to XXXX XXXX on XX/XX/2019. The cashiers check was placed in the mail and sent to the address we were given by XXXX for payoff of the account. On XX/XX/XXXX this check cleared PNC account but our loan did not show paid in full and when calling XXXX were told no check was ever received to pay our account in full. We then checked with PNC immediately on the XXXX or the XXXX who informed us that the check was deposited into a XXXX account and that the monies were transferred from PNC to XXXX. Neither bank has performed any type of due diligence in assuring that the check was paid as written. XXXX should have never accepted a check made payable to another bank and PNC did not raise any red flags that they were transferring money to a XXXX account when the check was clearly made payable to XXXX XXXX. We have called and sat on hold, visited PNC and visited XXXX. Both banks blame the other and neither will admit to any wrong doing of their due diligence. We have requested a provisional credit from PNC bank to pay the loan in full that was meant to be paid and have been told no due to the amount. The lady we sold the car to is now driving around with illegal plates and tags that were simultaneously transferred to my son 's jeep but she can't get her own plates because we can't provide her a title with no loan payoff. My son is also driving around with expired 30 day tags. No one seems to care that we are in a precarious position with this nor will they make right a wrong that they have done by not doing their jobs to insure that we are protected as consumer 's. No red flags were raised at either institution and it's unacceptable. We have sat on hold, visited branches, and just keep getting tossed around and told our case would be escalated the next day each and every time, however no correspondence is being done on their end only on ours. | ||||||
| 03/28/2018 | Yes |
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| In late spring XX/XX/XXXX I got behind on my car payments with my PNC acct # XXXX because I had taken FMLA to take care of my terminally ill mother. PNC bank put my car up for repossession. I contacted PNC and spoke with someone named " XXXX '' ( phone number XXXX ) around theXX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX monthly payment on the XX/XX/XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to PNC bank. Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that PNC bank was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted PNC to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me PNC is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call PNC again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full. | ||||||
| 08/11/2023 | Yes |
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| On XX/XX/XXXX I receved an alert that my checking account was overdrawn while I was on vacation. I immedietly looked at the account and noticed what appeard to be a fraudulent ACH withdraw for {$4400.00}. I immedietly notified my Local PNC bank branch and spoke to the managent team who put a hold on my account. At the time the account had less then {$1700.00} in it and the account was overdrawn. I was told I would need to come in to the bank and sign paperwork in person. I was in XXXX ( I live in XXXX XXXX ) so I did so the following Monday. During that week my business had some receivables come into the account which eventually corrected the negative balance. I opened a new account at that time and was told PNC would be investigating. PNC closed investigation in a couple of days due to the fact I did not report it within 24 hours. I esculated the complaint and received the same response a few weeks later. They said that I could not get my funds back and I was out of luck. Additionally they closed my account and removed my online banking access. When I asked why they would do that and how was I supposed to conduct my accounting without access to the account, they stated it was closed due to " excessive Overdraft ''. PNC Bank has done nothing to assist me at this point. Not only did I lose the money I had in the account, I lost about {$2800.00} more since the ACH transaction was far more than what was in the account. PNC Bank should have never authorized an ACH payment where funds were not available. Additionally I notified PNC bank withing 24 hours of the alert I received, which was apparently past 24 hours of the ACH. I feel PNC bank has the resposnibility for the saftey of my funds. Had I had the money under my bed and a burglar stole it, I would only be out {$1600.00}. Instead I lost money that I did not even have yet simply because I have a checking account. Additionally I opened an investigation with the New Jersey State Police Cyber Crimes unit to attempt to get some resolution. | ||||||
| 02/11/2016 | Yes |
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| PNC 's has failed to comply with Dodd Frank regulations relative to loss mitigation underwriting. On XXXX XXXX, XXXX, counsel for the borrowers received a letter dated XXXX XXXX, XXXX from PNC 's Counsel. At no time prior to XXXX XXXX, XXXX were borrowers provided with this letter. On XXXX XXXX, XXXX borrowers law firm provided additional documents to PNC in response their request for additional loss mitigation documents. Given this XXXX XXXX, XXXX submission, PNC was required to respond on or before XXXX XXXX, XXXX as required by the XXXX enacted provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Public Law 111-203, 124 Stat. 1376 ( XXXX ) ( XXXX XXXX XXXX Final Rules ) Regulation X, which address servicers ' obligations regarding mortgage loss mitigation options, loss mitigation policies and procedures and evaluation of applications for available loss mitigation options. No such timely response was received. Next, the letter of XXXX XXXX, XXXX does not specify what documents were missing or what was incomplete. The letter stated in pertinent past as follows XXXX We have completed our review of your hardship assistance request under the Making Home Affordable Program ( MHAP ). However, we are unable to proceed further with your request for assistance, for the following reason ( s ) : - Request Incomplete We are unable to offer you a Home Affordable Modification because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you. XXXX However, no such notice was provided with this letter and all prior requests for additional information were fully responded to, with counsel for PNC acknowledging receipt of the submission and confirming transmittal to PNC directly. Borrowers contend that this was a constructive denial of a modification. PNC has not complied with Dodd Frank regulations in connection with this modification application. | ||||||
| 01/09/2021 | Yes |
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| Last year, I wanted to remove PMI, so after contacting my mortgage provider, PNC, and letting them know I intended to do so, I ordered an appraisal through them. They sent me my new home value, and I sent them the $ XXXX necessary to recast the loan after confirming with them that the PMI would be removed. This year, I was going through my statements and realised my PMI was never removed! Contacted PNC and they said my home value had not changed. It took months of calls and emails for them to realise they had the new appraisal, but for some reason the new home value was never applied to my account and is now too old to be applied. I've been ripped off around $ XXXX so far I believe, and although after some months they connected me with an internal contact who is supposedly trying to help me sort this out, he has been " working on it '' for months already with no solution. They claim that it was my fault for not sending my $ XXXX to a particular department address, but I'm unclear on what that has to do with them forgetting the new value of my home and charging me PMI after the new appraisal. They also neglected to make clear that I needed to send any payments to any particular address in their correspondence with me, stating " The best way to make sure your principal payment is applied to the principal, please mail in the payment. '' If they were trying to tell me the ONLY way to do this successfully was to mail it to that address, then they failed to tell me that by using the words " the best way '' or " please mail in the payment ''. They were misleading but maintain that they did nothing wrong by forgetting to apply the appraised value to my home, saying that their departments do not communicate with each other and just because one department knew my home value had been updated did not mean it would apply to my mortgage. That is simply ludicrous It was impossible for me to know which department I was even speaking with as I used the standard customer service messaging centre! | ||||||
| 07/03/2019 | Yes |
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| I previously submitted a complaint regarding this account, several times. I stated that I was a victim of identity theft. I saw in PNC 's response that I did not report the incident until XXXX XXXX. That was because I did not see the item on my credit report until then. I have been trying to dispute this ever since. There is also a statement made that my wife, XXXX XXXX verified information regarding this account, which is invalid as well, as her identity was stolen during this same time. So whomever it was that stole our identity apparently had her information as well to verify this account. Of course whoever the individuals were, they did not want to lose the account or jeopardize the account so it is quite possible there was a male and female to follow up. Nor I or my wife have ever called on this account. Also the statement regarding my mailing address of XXXX XXXX XXXX. Yes I lived there and obviously people who steal your identity steal your address, social security numnber and other identifying documents that try to prove they are the indvidual or individuals of the identity they have stolen. I never consented to or walked into a PNC BANK to apply for any account. I believe this application was submitted online. Unless you have my original wet signature proving that I authorized you to run my credit, and that I approved or consented to an account or physically walked into a bank, if there is one this account needs to be removed immediately. This negative account has been hindering my credit for years now, to where I can not apply for any other financial services or matters. Currently, your company is in violation of Section 813 Civil liability ( 15.U.S.C. 1692K ) ( a ), of the FDCPA. Section 616. Civil liability for willful non-compliance ( 15.U.S.C 1681n ) ( a ) of the FCRA. Section 617. Civil liability for negligent non compliance ( 15.U.S. C 1681o ) of the FCRA. This matter needs to be resolved or I will be contacting the FTC, my local attorney and the credit bureaus. | ||||||
| 08/26/2016 | Yes |
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| I purchased my home XXXX XXXX, I have never refinanced my home and my mortgage has ALWAYS been escrowed. My current servicer is PNC Mortgage and my previous insurance company was XXXX XXXX XXXX. Im not quite sure of the dates but this is how PNC and XXXX XXXX explained the timeline. Around XX/XX/XXXX- XX/XX/XXXX there was an additional payment that was requested from XXXX XXXX for increased dwelling. Somehow PNC never got the request so a notice of cancellation was sent to PNC XXXX XXXX PNC calls the insurance broker for XXXX XXXX and spoke with XXXX . XXXX confirmed my insurance policy was still active XXXX XXXX PNC sends a check to XXXX XXXX XXXX for the renewal payment but the check gets rejected. Once PNC calls XXXX XXXX again, they told PNC that they cancelled the policy XXXX XXXX PNC puts forced insurance on my property from XXXX XXXX to XXXX XXXX for nearly {$3000.00} a year! Now for the last 3 months PNC increased my monthly by $ 300 monthly! NOT TO MENTION THAT I DIDNT RECEIVE A SINGLE PHONE CALL UNTIL AFTER FORCED INSURANCE WAS PUT ON THE PROPERTY ( funny how the timing favors PNC! ) I have called both companies multiple times and they always respond with " Let me investigate this and get back to you sir '' I havent received a single phone call from anybody. Im sure {$300.00} a month is nothing to PNC and XXXX XXXX but it is for me. Both companies just sit there pointing the blame on each other when IN THE END I GET XXXX WITH A HIGHER PAYMENT!! PNC even paid XXXX XXXX when my loan got transferred for a renewal on the previous insurance policy. Ive NEVER had a late mtg payment, my mortgage is ALWAYS escrowed but the way they are handling this, its just not right. I feel very taken advantage of when I did not do anything to cause any of this. Escrow accounts are the responsibility of the servicer, that is why I paid extra monthly. The agreement in the beginning is to trust my servicer to pay for my taxes and insurance when they are due. Im sorry but this is not acceptable | ||||||
| 01/10/2023 | Yes |
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Web | Older American |
| I need assistance to resolve my request regarding excess escrow funds for a paid mortgage. I have requested PNC to reissue a check in the amount of {$960.00} payable to XXXX XXXX replacing the original check issue/payable to XXXX XXXX XXXX borrower who is now deceased ) I have had multiple interactions with customer facing customer service staff and have ultimately been unsuccessful in escalating the matter to a manager/officer to review my request and resolve the issue. Of note, I did have one exchange on XXXX with a customer service XXXX who identified herself as XXXX ( sic? ) who reviewed the matter with another XXXX and told me PNC would override their system and a check payable to me would be issued. When I followed up on the status of the check on XX/XX/XXXX I was told by Customer Service and Escalation reps that I first needed to complete the Successor in Interest requirements before they could assist me with any confirmation/information. I am trapped in PNC 's process/procedure to establish me as a XXXX in XXXX before reviewing my request. According to multiple form letters, PNC states : " A successor in interest is an individual who receives an ownership interest in a property securing a PNC mortgage ... '' PNC no longer has any interest in this property. The mortgage is PAID IN FULL. I have submitted multiple documents establishing the death of my mother ( the borrower ), my joint ownership of the property since its purchase, my role as her son and joint owner of all her assets ( property, bank accounts ), and transactional documents supporting payoff of the loan. My request has not been resolved and PNC has closed the ( wrong ) request as of XX/XX/XXXX due to incomplete information to determine my " Successor in Interest Request ''. The particulars of this matter and all documentation and email communications provided by me are with PNC : Mortgage loan number XXXX PNC customer service case number : XXXX I appreciate a review by PNC and resolution I this matter. | ||||||
| 01/09/2017 | Yes |
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| I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. PNC has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges PNC is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew PNC would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against PNC now using this CFPB service. They still have not done anything. I have not seen any proof that any of those charges were mine ever since they occurred back in 2015. All the charges on the account, I have not even seen statements, hence I do not recognize any of the charges on this account at all. It has been a year and a half almost two years, and I have not seen credits. The policy of the card is such that if the customer does not recognize charges, PNC provides credits, and PNC still has not done so ... | ||||||
| 07/12/2016 | Yes |
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| This a complaint is in regards to PNC Bank. I recently applied for a preapproval for Mortage. I have banked with PNC for over 11 years. The representative humiliated my girlfriend. He basically laughed at me and only offered me loan for {$80000.00}. I want to another bank was approved for {$110000.00}. I was told by the other loan company that I had to payoff a credit card. I went to pay it off and accidentally made a payment from the wrong account. I noticed the charge on the PNC account and on the same day I made an ATM deposit by XXXX. I was charged XXXX deposits fees for using a non-PNC ATM. I work for a bank and I 've never even heard of a deposit fee. The funds were held from my account for 4 business days. I was never informed or give any information regarding a hold of this type. I was charged XXXX {$36.00} overdraft fees. XXXX was even for a POS purchase the second day for {$0.00}. I have sent 4 emails to PNC in order to get some type of resolution to the issue. The last responses had the same generic email, which says to contact them. One of the options was to contact them via chat. I tried to speak to representative via chat named, XXXX, whojust gave me the runaround basically. XXXX could n't assist me, but he did n't even attempt to resolve the issue. I asked him if he had a supervisor and he did n't answer the question directly. After asking the question a second time, he said his supervisor was gone for the day. So there is customer service representative, who currently has no oversight. He wanted me to call the center, but I was told via the email I could have the issue resolved. XXXX was unwilling to contact a supervisor in the call center itself to review the issue. XXXX disconnected from the conversation before I could even look into another resolution. I am very dissatisfied and sad given all of these events. I used to refer people to PNC. I guess things have changed. The best I can do is issue this complaint, so others do n't have to go through the same issue. | ||||||
| 09/02/2015 | Yes |
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| We have a chapter XXXX case going, our mortgage arrears are included in our chapter XXXX we are paying our chapter XXXX every 2 weeks on time. PNC is our mortgage company, I find out information by calling not by notices. My XXXX complaint- they do n't send notices! We were approved for a reduced principal modification back in XXXX, showing our XXXX payment due on XXXX XXXX, 2015. We sent all the paperwork back by the end of XXXX as requested, we signed and had the paperwork notarized. I had n't received any payment books or papers stating completion by the end of XXXX, so I called PNC to find out that the modification could n't be completed due to PNC wanting a motion from the bankruptcy judge approving the modification. I had no paperwork, or calls regarding this issue. I found out due to calling in to PNC. I talked with our attorney for bankruptcy and they were able to get the motion heard XXXX weeks later. Our attorney advised us that the judge will not rule on the motion due to the ruling being unnecessary. Our home is not included in the bankruptcy, only the arrearage. So I have n't heard from PNC, and we were planning on making our XXXX XXXX payment, I still have n't had any correspondence from PNC. I called yesterday XXXX/XXXX/2015 and found out that our modification was thrown out due to the judge denying the motion as unnecessary. I will attach the judges decision. I spoke with a person in the bankruptcy department for PNC and she stated that the denial due to it being unnecessary should n't go against us for the modification. I was asked to send in the letter our attorneys sent us stating that as expected the judge denied the motion as unnecessary. I called PNC today to verify and faxes take XXXX days to upload, the person in loss mitigation did say he would send an email to the closing department to see if they can get our modification reactivated. I was asked to call back on Friday afternoon. How can we get denied since a judge denied the motion as being unnecessary? | ||||||
| 12/25/2016 | Yes |
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Web | Older American |
| Since XX/XX/XXXX, I 've received a series of very intrusive calls ( from XXXX, XXXX, XXXX, XXXX and XXXX ) that have come from either PNC Bank, or just a person or persons claiming to represent them. My phone 's caller ID does not display the particular number involved with any mention of PNC or a bank in its heading like it usually would. ( I 've had several legitimate contacts from them in the past ; and these are different. Usually letters accompany their contacts - but not this time. ) The calls come daily and several times a day. It seems that the callers are determined to be more and more persistent. In each of the couple of times they were answered they were told that they should already have certain items of information on file. They insisted that I give them vital account-related and personal financial statistics and were refused. However, my refusal went over their heads. They then asked about my granddaughter, XXXX, who was recently XXXX after 17 years of working for them for a group of strange and unsubstantiated accusations ( XXXX ). They questioned the validity of a check I wrote myself on an account I have with her there. They also tried to attach me to an account ( for loan payments ) which I do not own. ( It may be my granddaughter 's. ) They prompted me to make a statement as to " elder abuse '' allegedly committed by my granddaughter. I know her and my accounts well and nothing out of the ordinary took place with the exception of these rude and pointless attempts to unsettle me and steal parts of my identity. ( They may be trying to " fix '' her because she complained about not being paid for overtime. ) It seems that they think I have XXXX. I may be old ( at XXXX ) ; but it does n't mean I 'm senile. I am of sound mind. If the calls do n't stop a restraining order will be placed. The authorities will be contacted. I 'm tired of being harassed. Attached is a partial list of the dates and times on which they phoned and other documentation. Sincerely, XXXX | ||||||
| 06/08/2015 | Yes |
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| I contacted my bank, PNC Bank, to inform them that my credit card had been over charged at a restaurant. The cost of my bill was {$10.00}. After paying my bill, I was informed by the manager that " I was overcharged a little '' but if I contacted by bank the next day they would resolve it. I was then given a receipt for {$10.00}. After checking my account the XXXX day, I noticed that I was charged {$1100.00} in addition to my {$10.00} bill. After filing a dispute with the bank the next day, I was informed that I would need to provide proof of my original {$10.00}. I explained that I lost the receipt from that night and was told to contact the restaurant for a duplicate receipt. After several conversations with the restaurant manager, I was told that he no longer had a copy of the receipt and would have to " get back to me. " After XXXX months of calling the manager, it was clear that he was not taking my request seriously. I contacted PNC Bank to inform them about the situation and ask them to help me by contacting the restaurant directly. XXXX XXXX, the woman handling my dispute, told me that they would try contacting the restaurant but if they could not get the proof they needed, I would be responsible for the charges. To date PNC bank, has done nothing to assist me in resolving the issue with this fraudulent charge and has deemed me responsible for the {$1100.00} charge. I have since spoken with the manager of the restaurant and he is still " checking on the matter. '' He also denies receiving any communication from PNC Bank. As a loyal customer of PNC Bank, I have entrusted my money to this bank believing that if anything misfortune occurred that they would do everything in their power to assist me in protecting my money. I never imagined that if a fraudulent charged ever occurred that I would have to become a private detective and investigate the matter on my own. PNC bank has neglected their responsibilities as a financial institution and should be held accountable. | ||||||
| 05/30/2019 | Yes |
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| My home equity loan became behind ( 3 months, I believe ). When I learned of this, I made arrangements in XX/XX/2019 to pay a portion ( {$600.00} ) over the phone with the remaining the following week ( with a scheduled phone payment for the balance ). I have 3 accounts with my PNC bank, a checking and 2 savings. I had received a sum of money and in XXXX had over {$3500.00} in my checking account and less than {$200.00} in each of my savings accounts. When I made the phone payment for each transaction the portion of {$600.00} and the balance thereafter, my assumption is that the representative would have set this up to come out of my checking account since that account would have supported those amounts ; however, instead the representative set this up to pull from my savings account which had less than {$200.00} at the time. I was not asked for an account number to provide and assumed the account with the money supporting such transactions would have been used ... since again, I was not asked. As a result, of thinking the funds had cleared my account, I paid other bills and spent my money as usual. When I received a notice saying the funds were returned, I was perplexed ; however, discovered why when reviewing my accounts. I called PNC to make them aware of their mistake and asked about recourse for the mistake. I was advised a message would be forwarded and I would receive a response. Unfortunately, at that time, I no longer had the funds available to pay and bring my account current ... and unfortunately had some unexpected expenses. I am requesting to have my credit corrected as if this error did not occur and for any credit reporting thereafter to solely attribute to my inability to pay. I am attempting to acquire a loan with XXXX XXXX XXXX and am being told that because of this account showing 120 day late, I am unable to move forward ... otherwise I would be able to. If you are able and the calls were recorded, you will find that my statement/complaint is accurate. | ||||||
| 01/02/2019 | Yes |
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| Recently I purchased a property and locked the loan through PNC Bank XXXX XXXX, XXXX XXXX ( Mortgage Loan Officer ) - NMLS ID : XXXX. I quoted the loan with XXXX XXXX on XX/XX/2018 and he promised it can be closed on XX/XX/XXXX. I thought it is perfect timing because my lease ending date is XX/XX/2018. However, it is a mistake to decide to work with XXXX and XXXX. Their irresponsible promise and carelessness service made me into very stressful situation and caused me a loss of {$960.00}. Starting XX/XX/XXXX I begin to submit materials requested. The loan processor I worked with is XXXX XXXX, NMLS # XXXX. For any materials he requested, I submitted to him promptly. He promised the close date is XX/XX/2018 until XX/XX/2018, he told me because the confirmation of my XXXX status, he could only submit he project review on XX/XX/2018 and my loan would be delayed to be closed on XX/XX/2018. At that time, I already give notice to the landlord which means I must move into the property on XX/XX/2018. However, I trusted him I can still move into the property though it is inconvenient to me. In addition, my parents is visiting me from XXXX and we planned to be on vacations during holidays. After that, he kept on telling me everything is on track and we would be close on time until XX/XX/XXXX, he disappeared. He responded the next day and told me the bank wouldnt close the loan and the bank would not be responsible for any expense of hotel. He kept on lying to me he could cancel the loan or the loan would be close on this date and that date. Because his dereliction of duty, I have to pay {$120.00} a day to live in hotel for a total of {$960.00}. The delay ruined my entire holiday plan. I canceled the trips to south California because the loan wouldnt be closed. I would not go with PNC if they have told me the timeline in the first place. I think the whole practice is against UDAAP. Besides, XXXX promised to provide the project review copy but he did not. He again lied to me. | ||||||
| 07/20/2020 | Yes |
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| PNC Bank - deceptive business practices I opened an account in early 2020 to take advantage of a promotion they were running. Per the agreement, my biweekly pay was deposited in the account and I satisfied the requirements to receive the promotion. Over the months that I had the account I found myself dissatisfied with functionality and ease of use with things as basic as transferring money. I then began to notice a monthly maintenance fee, which I do not recall seeing in the initial account disclosures, though I am sure it was. I never requested a fee credit, but it left a bad taste in my mouth. Ultimately, I decided to close the account in favor of my local credit union. When I called to close, I asked about fees and none were disclosed. Upon receiving my final distribution from the account, I noticed that it was less than I expected by {$25.00}. I called my local branch and was advised that an account closure fee applied because I had closed it within 6 months of opening the account. I explained that I had not been made aware of said fee, but the branch employee advised that she was sorry but there was nothing that could be done. Fast forward a couple of weeks and a PNC employee called me to discuss the situation. She was from the Executive Client Relations team and asked what she could do. I again explained that I do not believe it's right to hide the fee when I requested the account closure, and she said she would review the call. Today, I received a call stating that she was sorry that the fee was not disclosed when I called, but it was in the initial account disclosure, so have a good day. It is a deceptive practice to hide fees, regardless of whether it was in the 50 pages of fine print I received when I opened the account 5.5 months earlier. PNC should have disclosed this and given me the option to keep the account open for a couple more weeks had I desired to do so. This is a symptom of poor internal controls and a lack of consideration for their customers. | ||||||
| 02/09/2017 | Yes |
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| XX/XX/XXXX I have an IRA with PNC Bank ( Investments ) in CDs at Acc. # XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX, I received the required minimum distribution ( RMD ) from PNC since certain funds were available in the Acc. as cash. XX/XX/XXXX, I received {$9000.00}, from PNC XXXX to the extent cash was available in the Acc. and the rest was in CDs. XX/XX/XXXX, I spoke with PNC agent, on phone, at which time I was told XXXX CD has matured a week ago, and the cash is sitting in the Acc. ( at a nominal interest ). As soon as I saw PNC statement for the period XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, I tried contacting PNC agent on phone and thru email ; after couple of days we spoke on phone and I reported the issue that 'I have not received the balance RMD due per the statement ( {$23000.00}. ) '. After 2 to 3 weeks of phone calls/emails, PNC sent me a check for {$23000.00}. as part RMD for XX/XX/XXXX which I did n't cash it, yet ; and requested PNC to send me a revised Form XXXX for the full amount of RMD. On, XX/XX/XXXX, in a phone call, PNC agent declined to issue a revised Form XXXX Thus, PNC is making me liable for IRS penalty of XXXX % on RMD : see what-else PNC did in this matter. And the issue is " who is responsible for the failure in RMD under this situation? '' On XX/XX/XXXX, PNC agent sent me a letter by XXXX which says we " will now consider this matter closed '' and attached a letter dated XX/XX/XXXX which says " If you have satisfied your RMD requirements for this year, no further action is required for this year. If not, you may have to withdraw your RMD by XX/XX/XXXX or you could face an IRS penalty equal to XXXX % of the amount that you fail to take '' I wrote to PNC " I did n't receive this XX/XX/XXXX letter, if you have sent it to me please send me a receipt to verify '' PNC always sends letters thru XXXX, never in US mail. So, PNC could n't provide me proof of delivery of this letter -- because, this letter was never sent to me. | ||||||
| 03/05/2022 | Yes |
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| On XX/XX/XXXX my checking acct at pnc of XXXX was hacked and unauthorized charges begin coming out of my acct from XXXX. I do not own an XXXX nor have I ever. This wasn't caught by me until I received a low threshold balance on XX/XX/XXXX. Called the bank and many disputes had to be done because it was so many different charges from XXXX. Told me up to 10 days. On XX/XX/XXXX they took all money they did a refund which wasn't but XXXX dollars was TAKEN BACK OF OUT MY ACCT and I was denied. Didn't tell me why but said sounded as if all charges weren't reported considering the lady I spoke with over phone the day prior argued me down XXXX returned {$360.00} and it had been fixed and closed. That is along way from XXXX. She didn't seem to comprehend! I Was transferred and assured ALL CHARGES WOULD BE DISPUTED AND NOW I have to wait for another 10 to 20 days. Meanwhile, I have payments bouncing everywhere. The next thing I got was yet ANOTHER DENIAL LETTER. I added up what they disputed and what was charged... NOT the same total. No reason why. I've called stayed on hold to be disconnected after 2 and 3 hours! I called XXXX was informed without an original debit card they couldn't even look at it! The card was cut up and replaced on XX/XX/XXXX! Called the local branch a banker promised to look into yesterday and NEVER HEARD BACK! IM a single parent that lives paycheck to paycheck! I'm in bankruptcy and now I've been robbed of a whole check and PNC bank refuses to give me my money back. Is it my fault their employees can't do their job? If the case was they didn't get all charges filed so looks as if I did do some but not all? I have piles of late fees bounced fees and late on my bankruptcy and Nobody can tell me why I can't get my money back! It's been OVER A MONTH AND IM fixing to lose transportation to get my kids to school over something some XXXX XXXX XXXX has done. I do NOT at this point feel comfortable uploading any of my documents online anywhere. I do have all of them! | ||||||
| 01/04/2023 | Yes |
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| I opened a HELOC in XX/XX/XXXX. When I got the HELOC, I was told that in order to reduce my rate and get an autopay discount, I needed to enroll in autopay through a PNC checking account. When I opened the PNC checking account, I was told that there would be no fees charged for maintaining the account as long as money was being automatically deposited into the account and i was using that account for autopay for the HELOC, so I opened the checking account, started depositing {$500.00} per month into the account ( automatically from another non PNC checking account ) and when I drew on the HELOC, I setup autopay from the PNC checking account, to ensure I would get the discount on my HELOC rate. I noticed a {$25.00} " Monthly Service Charge '' withdrawn from my pnc checking account on XX/XX/XXXX. I reached out to PNC via their chat function on XX/XX/XXXX to ask why I was being charged this fee. I was told that the requirements for the account were changed in XXXX and that if I didn't want to be charged a monthly service charge I would have to meet certain criteria for use of the account or I could change to a different type of checking account and meet the " lesser '' criteria of that account type. However, I don't meet the criteria of either checking account type and so, I was told that I will regardless be charged a monthly service charge. This is completely unfair and deceptive. Part of the reason I got the HELOC with PNC was because I would get the autopay discount and was told that in order to get that discount I must setup autopay through a pnc checking account, but that I wouldn't have to pay any fees. I was never told that this could change and I would ultimately need to actually pay ( through the checking account monthly service charge ), in order to get the autopay discount. XXXX the chat on XX/XX/XXXX, pnc did provide a " courtesy refund '' of {$25.00}, but made clear that this is a one time courtesy and would not change anything about the maintenance fee. | ||||||
| 11/14/2021 | Yes |
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Web | Older American |
| BBVA Compass Bank was sold or merged with PNC Bank in XXXX. All accounts were officially moved on XX/XX/XXXX - this is a brief summary of the significant snafus and errors made and that continue to exist with my accounts. Note I have both my personal checking accounts and my small business accounts at this bank 1. The bank is unable to provide transaction details that account for a reduction in the balance of my small business checking in the amount of {$32000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount. 2. The bank is unable to provide transaction details that account for a reduction in the balance of my personal checking in the amount of {$2000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount. 3. For a period of approximately 3 weeks following the merger I had zero access to my accounts for the purpose of monitoring, transfering, or making online payments. This was especially problematic for my small business accounts. 4. After hours and hours on hold on the customer support line- I estimate I was on hold for a total of over 20 hours - I was finally able to access my accounts- but I needed two separate login ids for my personal and my business accounts - rather than all my accounts managed from one dashboard as I had with BBVA. This is a big problem and hardship for me as I need the ability to transfer funds between my personal and my business accounts for my day to day operations and I have lost this functionality. They have combined my personal line of credit and my personal visa card on the business dashboard -- but they can't seem to be able to combine my personal checking with business banking. After significant more hold time I was told 2 weeks ago to give them 5 business days to combine the accounts. As if XX/XX/XXXX this has still not been handled. | ||||||
| 12/01/2022 | Yes |
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| i opened an account through the XXXX XXXX XXXXXXXX, managed by PNC Bank on or about XX/XX/2022. On XX/XX/2022, i wrote myself a check for {$8.00} from my personal checking ( XXXX XXXX XXXX to " test '' out the App. The funds were deposited in my XXXX account and withdrawn from my XXXX account. On XX/XX/2022, the check was allegedly " returned '' according to the information available in the XXXX XXXX. However, this check was not returned and was successfully cashed against my XXXX account. On XX/XX/2022 I contacted XXXX through their messaging service in the App advising them of this mistake and requesting an explanation for this error. Thier reply was that the " check was never deposited, and was returned '' and that i should " work with the issuing bank. '' I rebuffed their response and was subsequently ignored. On XX/XX/2022, I contacted XXXX and verified that the check was successfully cashed by XXXXPNC and obtained a copy from my account records. I also verified that the funds were never returned to XXXX by XXXX/PNC and that the funds in my XXXX account were more than sufficient to cover the {$8.00} check at the time of issue. That same day i called XXXX and detailed the facts above. The first representative was unable to assist and simply repeated that i should work with issuing bank. I asked to be escalated to a manager, who again repeated the same position, despite my insistence that i had contacted the issuing bank and confirmed XXXX was the one at fault. He advised that the matter would be escalated and i would get a response soon. Several days later i did get a reply, it was the same reply that i had received during every encounter with XXXX, that the check was returned and i should work with issuing bank. Since then i have exchanged several emails with XXXX, providing them with a copy of the cashed check, and my XXXX & XXXX XXXX statements reflecting the withdrawal of the funds and absence of any return. To date, the matter is still unresolved. | ||||||
| 01/22/2019 | Yes |
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Web | Servicemember |
| PNC misled me into believing that I was receiving a 0.25 % interest discount on my outstanding loan balance for setting up an ACH and having the monthly payment deducted automatically. On more than one occasion over the past few years ( XX/XX/XXXX through XX/XX/XXXX ) I was told that I was getting the discount. During a recent inquiry, I was told that I was not getting the discount. This occurred in XX/XX/XXXX on a call to the PNC customer service center and again on XX/XX/XXXX by XXXX XXXX in a separate call. I filed a complaint with PNC. # XXXX on XX/XX/XXXX and was told I would get a response within 10 days. On XX/XX/XXXX I followed up with PNC because I had not received a response and I spoke with XXXX XXXX in the escalation team who set out to research the issue. I was told on XX/XX/XXXX that the contract we signed in XX/XX/XXXX was tied to a specific checking account and the ACH had to come from that account in order for me to get the discount. So here is where I was misled. First, for background, we renewed our line of credit in XX/XX/XXXX and continued to pay down the existing balance. When the balance was XXXX, we determined that we did not need the checking account and it was closed in XX/XX/XXXX. On XX/XX/XXXX, we needed to access funds from the line of credit. I visited the PNC branch on XXXX XXXX XXXX in XXXX Ohio to inquire about the ACH and discount. I was told by the banker that an ACH from any checking account would qualify me for the discount so I set up the ACH at that visit using my current primary checking account. I trusted that the banker knew PNCs policy with regards to the discount and would not mislead me into thinking I would get the discount if I would not get it. Also, since the previous checking account was closed there was no way for me to get the discount unless we modified the existing agreement which I was not given the opportunity to do. Furthermore, I should not have been consistently lied to when I inquired about the discount. | ||||||
| 11/19/2018 | Yes |
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| PNC Bank. allowed me to open a NEW VISA credit card on XX/XX/18. per the terms I agreed to online during the application process it stated that I would receive balance transfers at ZERO percent rate for 18 months. PNC terms show that the transfer could take up to 10 business days to be completed. Account was opened and the balance that was transferred ( from XXXX XXXX ) showed as debt on my PNC account ( as expected ) as of XX/XX/18. However after a little over a week my XXXX XXXX card ( that the transfer was to be paying off ) had still not received payment. So I called PNC on XX/XX/18 for a status update. They advised me that due to it being a new account that the balance transfer would be held for 15 calendar days, and then sent out. once it was sent out, it could an additional 10 business days. this 15 day HOLD was never disclosed at anytime to me. Also the main issues, that I find downright criminal, is that PNC is able to show my balance transfer as being an owed debt on their account when they acknowledge that it could still be on my other non PNC account ( XXXX XXXX ) for at LEAST 2 weeks, and possibly an entire MONTH. This already has affected my credit score, as my credit usage percentage, as well as my debt to income ratio has been inaccurately reported due to PNC claiming a debt for the balance transfer on their account that they have told me is not paid on my XXXX account. as of Monday XX/XX/18. I have XXXX balance on my XXXX, and the EXACT SAME XXXX on my PNC account ( that was to be transferred ). PNC has told me that they have not, and will not send out payment for 15 calendar days. So I feel they should not be able to claim my debt as theirs through balance transfer until the send out payment. Also I would like them investigated for another issue with the same card, in regards to billing statements. My card was opened on XX/XX/18. My first billing statement closed on XX/XX/18. this hardly seems legal, a 16 day billing statement? that's unheard of. | ||||||
| 07/25/2015 | Yes |
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| Hi, I received an email coupon to get {$300.00} from PNC to open a checking account. I visited PNC 's pop-up branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. A representative name XXXX XXXX helped me open the account and explained me the deposit requirements and benefits related to opening the account. After few days I receive a letter with Reference # XXXX from PNC dated XXXX XXXX, that my application for PNC Cash Builder Visa credit card was not approved. This was surprising for me as I never applied for any credit card and the representative never asked me if I would like to apply for credit card as well. I called up the customer service immediately to notify them. But they told me I will have to contact the representative or call at XXXX. I called up this number but no one picked the call and it did n't even went to voicemail. So, I visited the pop-up branch again but PNC have different representative based on days. So I decided to go their main branch XXXX XXXX, XXXX, NC XXXX. I explained my whole situation and the representative told me that they will follow up with XXXX XXXX and request the bureau to remove the credit inquiry and also train their representatives better. I called up few days later at XXXX XXXX branch again to follow up and a representative, XXXX XXXX tried to discourage me and told in order to remove the inquiry I have to send an email explaining the whole situation and it would take 90 days to make any decision and decision might not be favorable. He further tried to sell me a secured credit card. I clearly told him I do n't want a credit card and would like to get this incorrect inquiry removed from my credit report. I seriously feel PNC should train their representative better and should be transparent with customers. It has been really terrible experience gettign transferred from customer service to the pop-up branch to branch and then agian to branch. Each time a representative tell a different thing or try to sell PNC product. | ||||||
| 08/05/2022 | Yes |
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| My name is XXXX and Im one of the many victims of the XXXX XXXX XXXX scam. On XX/XX/XXXX XXXX was selling a sofa-bed on the XXXX. A prospective buyer messaged me requesting to pay using XXXX. I wasnt familiar with this form of payment, but I remembered that I had seen it on my PNC app. The fact that XXXX was offered on my bank app gave me a false sense of security that brought my guard down. The buyer asked for my email address to send the payment. I received a fake email appearing to be from XXXX XXXX XXXX the buyer had paid using XXXX business account and that I must upgrade to the business account too. The buyer then contacted me directly claiming that he received the same email from XXXX and, to make things easy, he sent me money to cover the purchase and the upgrading fee. Then the scammer asked to be reimbursed for the upgrading fee. And this went on with XXXX transactions ( claiming problems with the XXXX system ) with a total loss of {$1700.00} ( {$200.00} + {$500.00} + {$1000.00} ), almost all the money I had in my PNC account. I reported the scam immediately, within minutes, to PNC. After 10 days from filing the dispute, PNC sent me a letter of denial, stating that the XXXX transactions were not fraudulent because I had authorized them, even though I had been tricked into doing so. I believe that since XXXX is embedded in the PNC app, PNC should feel in part responsible for these scams. If I had to download XXXX and create an account myself, I would have probably had the time to think about what I was doing and get suspicious. Also, banks get away with denying these claims because federal Regulation E requires banks to cover only unauthorized transactions and these scams trick people into making the transfers themselves. I believe that since I was duped into making these transactions, they should be considered unauthorized. Thank you for listening to me. Please, let me know what I can do to make this right. Any suggestion will be greatly appreciated | ||||||
| 03/21/2023 | Yes |
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| PNC Bank issued credit card ( XXXX ) ( XXXX XXXX ). PNC Bank sent letter to Cardholder dated XX/XX/XXXX stating that the XXXX XXXX credit Limit had been decreased from {$19000.00} to {$7000.00} effective immediately. XXXX XXXX through PNC Bank had been issued based on value customers with qualified credit credentials and there were no exceptions as to the use of the card, nor its line of credit or credit limit were an issue. PNC made no indication that the 'credit limit ' were subjected to future increases if any or decreases. Although the credit limit was a starting point for future increases if any. Card Holder contends PNC Bank ( Core Card ) credit card issued by PNC Financial Services Group ; discriminated against cardholder, based on several items listed ; which aren't considered derogatory nor adverse to justify a decrease of {$12000.00} based on a credit report ( which from time to time ) fluctuate based on borrowing power, spending or debt to income ratios. Credit Reports provided by Credit Bureaus don't make banking decisions ; decisions are made by the individual institution. In this case PNC FInancial Services Group ; targeted this account and decreased the credit limit ; due to ( 1 ) cash advance transaction on the card { which was valid & qualified } and the other accounts on the credit bureau report ; which are valid and aren't adverse in any way. This practice made by PNC to pull credit data in order to purge accounts and/or make financial decisions as to who better serves their needs, must be looked into. If Consumers wish to carry high-limit credit cards and use the line of credit and remain in good standing, with payments, stay within credit line limits, submit proper credentials ; no reason for banking institutions to take away the initial line of credit. PNC Financial Services Group based their decision on other reasons ; and targeted this account and cardholder without sufficient notice, nor other review in order to make final decision. | ||||||
| 12/14/2023 | Yes |
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| I had a home equity loan. I paid it through my PNC online portal, and it showed the interest and the principle. In XX/XX/ I paid off the amount the online portal said remained on the loan. The balance said XXXX. In XXXX I received an email saying that I'd missed a payment on the loan. I called and was told I owed {$67.00} in interest remaining and that I could pay it online. This was untrue. There was no place online where this interest showed up, and the account balance for the home equity loan showed as XXXX. I was told I was also being charged for closing the home equity account. But I WAS NOT closing the account, I just paid off the remaining loan. I was then told I needed to go to a bank. I went to XXXX branches. My main branch apparently closed - no notification. I went to the second branch and they had gotten rid of all the tellers. I called again in XXXX and asked them to waive the interest considering the amount of trouble I had gone to pay the interest. I was told instead that ANOTHER fee had been added but that if I paid by check they would waive the extra fee. They said they would put in my request to waive the interest and someone would call or write me back within a few days. No one reached out. On XXXX XXXX, I sent a check through my bank to my bank for the interest of {$67.00}. I then received another letter saying I owed {$170.00} - interests and fees and another {$50.00} listed as " other fee. '' I don't know what is going on with this bank. They refuse to do anything in writing and only call - and then I have no record of them giving me the wrong information, as has happened both in this situation and in the last situation regarding the credit card ( which, fyi was not resolved. ) I do not want to do things by phone. I want them in writing. I have been a member for more than 20 years and never had any problems until the past few years. I don't know what's going on, but they are clearly having some serious communication issues. | ||||||
| 12/05/2019 | Yes |
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Web | Servicemember |
| PNC Refinancing Experience I met with XXXX on the week of XX/XX/XXXX to refinance a loan for a XXXX XXXX that I had been preapproved for online. We met at the XXXX branch on XXXX XXXX. We had agreed that XXXX would send the check out for an amount of {$10000.00} and an additional {$1000.00} from my checking account. I remember her asking me if she wanted me to have her send it, and I said yes please. She concurred and said she would do it first thing tomorrow morning. The following week of XX/XX/XXXX I called XXXX located in XXXX to check the status of the loan. It was still open, and they had not received anything. I called PNC and a customer service representative told me I called too soon. However, when I explained that when I send a check through PNCs bill pay feature online, the check is never late. Nonetheless, I was dismissed. I asked the customer service representative to investigate the trace number associated with the check. I was told they dont have that ability. This continued on until I finally sent a check of {$1000.00} to XXXX on the XX/XX/XXXX. When I called, they received my check. I contacted PNC and explained the entire situation again. I was told XXXX rejected the check, because it was not for the full amount. I was told our checks did not get there at the same time, but I shouldnt have had to send my own check anyway. I was also told that any interest would be waived, since this issue began. Empty promises. I havent seen a thing except a car payment to PNC for which they have no collateral. And what do I get? Two car loans. Currently to date, XXXX has still not received the full payoff amount. The escalation team has been of little to no help. Im not sure the lower interest rate is worth the hassle. I have spent more time and effort fixing PNCs mess than the less than 1 % interest on a {$10000.00} loan PNC has provided me with. If this loan is not paid in full by COB today, I will be cancelling this loan. That is my right. | ||||||
| 07/11/2016 | Yes |
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Web | Servicemember |
| UPDATED VERSION - Please use this instead of Case number : XXXX PNC Bank Small Business Account customer goes into the negatives. Instead of notifying the customer and waiting for the customer to pay, the bank sends a vague email notice ( without specification of amount ) that the account is overdrawn the day after the overdraft occurs. An overdraft fee is charged. The next day an email clarifies the amount of overdraft and indicates a fee has been charged. An XXXX overdraft fee is charged. For the following two business days overdraft fees continue to be charged for the SAME overdraft. This is ridiculous. The bank does not give notice to the small business owner and the bank continues to charge fees without notice of subsequent fees. The icing on the cake is that said PNC Bank Small Business Account Holder is NOT enrolled for Overdraft Services, although, PNC appears to charge said Account Holder as such. Instead of returning the item unpaid ( a mere {$12.00} fee, see p. XXXX PNC Service Charges attachment ), PNC can make an extra {$24.00} per charge if they charge us an overdraft fee at {$36.00} ( which we are not enrolled in ). This is a clear UDAAP concern. I would like to see a public enforcement action against PNC for these practices. Some of the results I would like to see from this enforcement action against PNC include : public apology and acknowledgement of unfair, deceptive, abusive acts and practices against small business owners ; donation to the SBA ( Small Business Administration ) for the purposes of educating small business owners on how to manage finances while managing a business with little help ; and free financial education seminars in all states where PNC operates. This is the fourth or fifth time that we have had experience with PNC and it needs to stop. To make this worse, one of the members of this XXXX is a Servicemember. CFPB - please pursue a public enforcement action against PNC so they can get their act together. Thanks. | ||||||
| 05/04/2023 | Yes |
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| I have had a home equity loan with the lender since XXXX. During that time, I regularly made additional payments ( XXXX payments a month ). I had about 2 years in additional payments that had been made, understanding that these additional payments advanced my payment due date. When making a payment, the only options are " regular payment '' or " apply to principal ''. These additional payments were all marked as regular payments Paragraph 8 of my agreement says, " All regular payments will be applied to the satisfaction of scheduled payments in the order in which they become due. '' Despite this, the lender decided that they were " changing the policy '' and ending that ability. Now, a payment is required every month, regardless of whether XXXX payments were made in the previous month. This is not something to which I agreed. They are referring to these additional payments as " prepayments ''. But that is not what they are. A prepayment is when one pays a substantial amount at once -- which I sometimes also did. I have never missed a payment, but I make these additional payments in case of an emergency when I would not be able to make a payment ( a catastrophic illness, job loss etc. ) But PNC wants to be able to collect late fees. They insist they can change the terms of my contract at will -- though there is nothing in my contract that makes such a claim. Indeed, if there were, I would have gone to another lender. When I called about the issue, it took speaking to XXXX different people, over the course of XXXX days -- they had to call me back instead of transferring me to a manager. They refused to be of any assistance, treated me as if I were ignorant ( " We sent you a letter of the change '' -- as if that is enough to alter a contract ). The last person told me I would have to show where in my contract is says they CAN NOT change the terms of the agreement without my consent -- as if contracts are only binding if it says terms can not be altered. | ||||||
| 01/30/2023 | Yes |
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| Hello, good day. I want to open a complaint with PNC Bank. Im originally from XXXX and I had a XXXX Dollar account with XXXX XXXX. This account was opened through the XXXX XXXX branch, but the account itself was in the USA. In XXXX I got an email from XXXX informing that my US Dollar account would be migrated to PNC Bank. I was living in XXXX at that time and was asked to validate my personal information via online or through their app, but since I was living in XXXX, I couldnt access the app or the online bank, because it was required an American phone number to be able to proceed access their platforms. Since then, I have been trying to reach out to PNC Bank to sort this out and be able to access my bank account. I contacted my account manager several times and I gave him all the required information ( official ID documents, phone number, etc. ). But still, I was not able to access my bank account. I am now living in the XXXX, in XXXX XXXX XXXX, UT I moved to XXXX this month ( XX/XX/XXXX ) and reached out to my account manager once again, so I could finally get access to my bank account. Last week ( XX/XX/XXXX ) I was contacted by my account manager and explained that I am now living in the XXXX and my plan was to close my bank account with PNC and transfer my money to my current XXXX XXXX account with XXXX XXXX XXXX. He asked me to send him an email to request the information I need to be able to access my PNC bank account, which I did on XX/XX/XXXX. Since I was not receiving any support/update from my account manager, I decided to contact the Bank Retail Support from PNC and XXXX, XX/XX/XXXX, I got a phone call from them. They informed me that they were not able to validate my personal information and I was told that I must go to a PNC branch to be able to resolve my situation. As Ive mentioned, I live in XXXX XXXX XXXX, UT and there is no PNC branch in the state of Utah. The nearest branch is in XXXX, Colorado, XXXX miles distance from where I live. | ||||||
| 12/01/2020 | Yes |
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Web | Servicemember |
| XX/XX/XXXX - I received a security alert from my bank that I added a recipient to my online bill pay and if I hadnt to call immediately. The notice was sent after the dept I was to call had closed for the day. ( I had not then, nor had I ever used online bill pay. ) I deleted the recipient which was my own credit card - but I never added it. XX/XX/XXXX - I received a security alert again and did speak to customer service.. I was advised that since it was my own credit card that had been added to not worry. I deleted it from bill pay again. XX/XX/XXXX - I received a 3rd security alert about the same issue. I told the person I spoke with that I had never used online bill pay and could they just eliminate it from my account so I wouldnt receive any additional security messages. XX/XX/XXXX - I spoke with someone who said she removed it XXXX online bill pay ) and ever since then I have been unable to have access to my Virtual Wallet Acct or my credit card in online banking. I cant view any credit card transactions or Virtual Wallet account transactions. When I click on the hyperlink for those Acct it takes me to a screen to enroll in online bill pay, but not my accounts. I have been sent to various departments since that time to resolve this. I have spoken to credit cards several times to get my recent transactions. I have spoken to online bill pay dept, online banking, escalation and the list goes on. I have been advised that a rep I spoke with was re-enrolling me in online bill pay and that should resolve things in 2 days. I was advised to re-enroll myself ( which I did ). No one seems to know what they are talking about. This is an issue that began on XX/XX/XXXX when I received a security notice that I should have never received about an action that I had never taken, and as of ... .. XX/XX/XXXX when I can report that I still do not have access to my Virtual Wallet or credit card in online banking. To say that I am frustrated is an understatement. | ||||||
| 11/26/2023 | Yes |
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| In XX/XX/2023 I received a call from Card Loss XXXX regarding a charge. I was unable to take the call so they locked my card for any further use. When I did call the number back on XX/XX/XXXX to state the transaction was unauthorized the system directed me to a live agent. I was unable to speak with an agent then so I spoke to a Chat agent on XX/XX/XXXX she referred me back to Card Loss Prevention her XXXX is XXXX XXXX XXXX. I called back on XX/XX/XXXX to speak with the department to state the transaction was unauthorized she proceeded to verify my information when I did verify she refused to continue the conversation and wanted to transfer me to Customer Service. She started to ask for my driver 's license number and social security. I advised her that I would rather speak with another XXXX XXXX agent since she was unwilling to send me a new debit card. After the wait, she instead took me to a supervisor by the name of XXXX and she started to verify me and told me that a new card would be sent out to me since the number is no longer protected. The card never came. The account needed to have a deposit to bring it current, however, I can not visit an ATM to deposit any funds since the card is prohibited. I spoke with someone else via the XXXX channel and that person mailed me a new card and pin number but it was too late because the next few days the account was closed. This all could have been avoided if the previous agent and XXXX mailed out a new card as I requested. I spoke to the Collections department on XX/XX/XXXX and inquired about having my account reopened due to their lack of information and bank error. The agent wouldn't put in the request to have the account reopened and I proceeded to file this complaint. The agent informed me a cashier check would be mailed which is untrue only they that happened was the deposit was sent back to my account that I made since the account was only negative XXXX dollars due to their lack of giving me a card. | ||||||
| 02/28/2020 | Yes |
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| I established a PNC account in XXXX to use as a local account since my normal bank does not have a presence where I live. This account was subsequently transitioned over to a new account in XXXX when they got rid of all of the " grandfather '' accounts. This new account is different that the account I had originally signed up for and now comes with expanded fees of {$15.00} per month unless certain balances are maintained. Since this account for me was a secondary account to my account with an existing bank I was never able to maintain the balance requirements and have been charged the additional fees as a result. Additionally, I established a student account for a family member that tied to my existing account in early XXXX. This account is for a XXXX year old and the link allows me to easily transfer money to his account when needed. Recently, he deposited his pay check at a PNC atm and was charged a fee for using their express funds option. I understand that he was told there would be a fee to do this via a pop up at the atm, however the fact that he is new to banking coupled with his age/inexperience with life means that he is a prime target for these fees and di n't fully understand. Furthermore, he withdrew money from an atm later that week and was charged again since it was not a PNC atm. Again, there were notices provided about the fees. To me, the fact that it was a student account should have informed the PNC that they were dealing with someone that is new to banking. In total, he had more than {$13.00} in fees for these transactions, however when I checked with the bank there is no way to prevent these options from being available to a student account. The express funds option should not be available to a student account or should be able to be deactivated if requested. Many more students, who do not realize that some funds from a deposit are available after completing the transaction will also fall prey to this type of predatory banking. | ||||||
| 01/27/2022 | Yes |
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| I was the victim of identity theft and am unable to get a response from PNC Bank about the fraudulent accounts that were opened, or the fraudulent documents they accepted to open the accounts in my name. In early XXXX, 2022 I received what I thought was marketing credit card offer from PNC bank. On XX/XX/2022 I received a letter from PNC Bank stating that I had opened 3 Consumer accounts with PNC Bank. I did not open any accounts with PNC. I called PNC immediately. During the phone call I was told that I could not get any information on the accounts unless I gave my SSN or an account number. The letter I received only had the last 4 numbers of the account number and given the nature of the call, I would not give my SSN so the representative could not look up the accounts. She told me I could take the letter to a PNC branch, however there are no branches in my area, only ATMs. I determined that what I thought was marketing was actually a credit card that had been opened in my name. I gave the representative that card number. I was told that the information would be given to the fraud department and I would receive a call back in about 48 hours. I did not hear back from the fraud department and on XX/XX/2022 started trying again to reach PNC to discuss the matter. On XX/XX/2022 I received a letter from PNC Bank to confirm my address change. I did not make any changes. I called PNC again multiple times. Due to long wait times, I was unable to talk to anyone until XX/XX/2022. During this call I was given the direct number for the fraud department. I have called the fraud department multiple times and have never been able to speak with a representative. I left a voicemail on XX/XX/2022 and to date have not received a return call. I also wrote a letter on XX/XX/2022 requesting confirmation that the accounts have been closed. I understand it is too soon to get a response from the letter, but the lack of response to my phone calls is extremely troubling. | ||||||
| 01/23/2023 | Yes |
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Web | Older American, Servicemember |
| XX/XX/23 I was notified that PNC Bank was questioning {$8400.00} check clearing my account. I called the customer service dept. immediately as directed. This was a fraudulent check that PNC let clear my account EVEN THOUGH THE NAME ON THE CHECK WAS NOT AN AUTHORIZED SIGNER ON THE ACCOUNT. This started XXXX days of misinformation given by both their customer service department and their account takeover department. I had to close the old account, open new account, set up auto credits and debits, buy new checks and notify outstanding check recipient 's of the problem. First I was told by XXXX in customer service that I didn't have to do anything, the money would go back into my account. After thinking about it that didn't sound right which prompted XXXX other calls, XXXX of which gave misinformation, and finally being directed to the account take over department. There, I spent a total of XXXX hours and XXXX minutes on hold XXXX different times getting more misinformation. XXXX told me that all checks would clear, but I would have to call in each time I saw XXXX in the old account and release it. WRONG! That's not what happens. Any outstanding checks bounce! Which caused XXXX of the people I wrote checks to to accrue charges of {$25.00} each from their banks for a returned check. THEN, the money I transferred over from the old to the new account bounced back. After speaking to Account Takeover Dept again was told that the original person that transferred the money missed a step so the money went back. Imagine if checks had been written on the new account-more bounced checks. I have names, dates, times, hold times, everything documented. This whole thing was a nightmare that didn't have to happen if PNC had not let a check clear written my someone not on the original account. I'm out the cost of new checks and XXXX {$25.00} bounced checks that I had to cover. Not to mention a total of XXXX hours and XXXX minutes spent on the phone with XXXX from PNC. | ||||||
| 05/17/2022 | Yes |
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| Ive had issues with PNC Bank since they acquired XXXX. I would have NEVER chosen them after the 8 month experience I have had. Since XXXX of XXXX, I have not been been able to log into my account via mobile or desktop to pay my bills. Finally I was able to just pay the balances through the phone which inconveniences me because I have to wait on the line. Moving forward to XXXX when I finally had access to log into my account I would be denied of adding external checking accounts and errors would appear on the desktop version ( mobile does not permit adding external accounts ). It was implied it would be easier if I would just create a checking account with them, in which I do not need. When I reported this issue with them they brought up to tier 3 support and told me that they would call me back. I never received a phone call or email in regards to the case. On my final decision to just continue to make payments via phone, I go ahead and make a phone call and pay with an automated option. I paid for the balance, the money was removed from my external checking account, and later then deposited back and then was sent a later that the payment did not go through. PNC has made it impossible to pay for credit card bills unless you have a checking account with them and that is predatory. I finally called again last Monday to pay the remaining balance and asked the agent to ensure that if I pay that balance it goes through first ( this is voice recorded on their end ) and proceed with cancelling my account. I was assured that would be the case. One week and one day later, no balance has been removed for my last payment, and the account is closed so I am unable to log in to see what is the hold up. I have worked so hard to raise my credit score over the years, and am mortified to see it go down due to PNCs negligence. Please help me, I do not want this to happen to anyone else. They do not value their customers, most especially anyone that came from XXXX. | ||||||
| 03/31/2022 | Yes |
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| On XX/XX/2021 I entered an agreement and signed in good faith a contract with XXXX XXXX, property manager representing XXXX XXXX XXXX, to manage my property ( Guest house ) located at XXXX XXXX XXXX. They collected a check for the amount of {$950.00} and it has been cashed on XX/XX/2021. It was for paying {$600.00} for the city of XXXX XXXX XXXX registration processing fees and obtaining a short rental vacation permit and the remaining ( {$350.00} ) to be on hold for any unforeseen future repairs may be needed. I did confirm with the City of XXXX XXXX XXXX XXXX and nothing had been submitted for over a month and subsequently I incurred damage and financial loss of rentals income during the hot season. After numerous phones and emails, for several weeks XXXX XXXX, Director of XXXX XXXX XXXX XXXX informed me that they cancelled the contract agreement and do not wish to pursue anything further and hung up the phone. I called him back, left voice message and emailed him requesting refund of the service and had and processing fees which they never processed, and also requested from him to return the keys, contract I signed, destroy any confidential information including passwords and any other items. XXXX XXXX emailed back on XX/XX/XXXX that they will return the money but they never did. I made several requests but never received a reply or refund for the cancellation of the contract. At this time I urged PNC bank to dispute the transaction and was told in XXXX it will and have been waiting for the past 5 weeks. Yesterday I was informed by PNC bank that they denied my request and will not refund me the {$950.00}. I also request that XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX to return the following : 1-The original contract I signed. 2-A check for {$950.00} 3-My property key 4-Compensation and Interest for my financial loss of vacation rent. 5- An apology and statement that they will not DECEIVE further homeowners and to improve their treatments | ||||||
| 09/18/2017 | Yes |
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| I had a complaint filed with PNC BANK in XXXX XXXX they closed the account - they said my name was OFF the PROPERTY. I just got another BILL from PNC for property insurance & flood insurance. I got a bill XXXX XXXX XXXX and I thought that was the last one- XXXX XXXX XXXX PNC said she took care of the matter and I get ANOTHER BILL! this nightmare will NOT END! my stress level is over the top!. I just emailed XXXX XXXX and posted on PNC Bank XXXX page plus contacted XXXX XXXX XXXX 's office - they are who got me to you to begin with. this is what I sent XXXX XXXX & posted on facebook : well I thought the matter of my name being attached to the flooded unlivable property at XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX was taken care of?!! I got ANOTHER BILL for insurance on the property in MY NAME!! I leave in the morning to visit my in laws - this is a just another great timing on PNC behalf! I will contact the consumer finances AGAIN! AND ANYONE ELSE - maybe the NEWS Stations can will be able to get this taken care of- if not i 'm sure there is an Attorney out there- i 'm sure this falls under HARRASSMENT of some type! I would think in all this time I have made phone calls, PERSONALLY went to the local branch, emails, and YOU giving me your word you would see to it this matter was taken care of that there should be XXXX person that can do their job and get MY NAME OFF THIS UNLIVABLE PROPERTY THAT WAS FLOODED IN XXXX XXXX & XXXX PAID NOTHING- OUR HOMEOWNERS INSURANCE PAID NOTHING - WE LOST EVERYTHING & THE HOUSE HAS TO BE TORN - IT IS NOT FIXABLE NOR LIVABLE! PNC BOUGHT THIS HOUSE BACK AT SHERIFF AUCTION GET MY NAME OFF IT! HAVE A REAL GOOD DAY- PNC HAS COMPLETELY TURNED MY DAY TO A XXXX ONE ONCE AGAIN! THANKS FOR NOTHING! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX FLOOD HOUSE XXXX OWNS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX I will not answer phone calls from PNC for 2 weeks as I will be with my family - email is just fine! | ||||||
| 01/18/2017 | Yes |
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| Issue with PNC Bank, on XX/XX/2016 I made a mobile check deposit for {$150.00}, on XX/XX/XXXX, I looked at my balance and I had a positive balance but did not see the {$150.00} kick in, I used my bank card that day, my car insurance was paid so looked good, in my number on XX/XX/XXXX, I was supposed to have a balance including the {$150.00} deposited on XX/XX/XXXX, however, to my surprise my account was negative. I immediately called the back as this caused lots if stress that day as I had no money available. The rep on the call tried to help and I explained about the {$150.00} that I never saw get into my account, and that it was showing as pending on the statement for the day, the rep then called the deposit department who stated there was a glitch in the system and that is why it was showing as deposited and in pending, but that in actuality it was not deposited, and that the next day I would see the payment kick in and my balance would turn positive. I waited for the next day and my balance was still negative, then everyone stated the funds were released on time that there was no glitch, I requested for the recording to be pulled as I wanted an explanation as I was hearing 2 stories. They took over 3 weeks to get a response and basically they told me the recording was pulled and action was taken, but I never got a response about the {$150.00}. I know that PNC does not need {$150.00}, but to me they have lost my money and this is a reason I can not trust to continue to be a customer there, they never addressed the statement made by one of their reps about a glitch. I was watching my account spending 's really closely and I am sure I was not off for that much money, therefore, for me those {$150.00} were never deposited to my account. Really disappointed as they never gave me a real explanation as to why someone said there was a glitch. I am a computer engineer and I know systems are perfect but glitches do happen and transactions can get lost | ||||||
| 04/13/2018 | Yes |
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| I have mortgage with PNC Bank for my condo in DC. After making a regular mortgage payment onXX/XX/XXXX, I made an additional payment of {$24000.00} on XX/XX/XXXX that should all have been applied towards principal. However, instead the payment was considered a regular payment for the payment due on XX/XX/XXXX and thus, only the amount in excess of the regular payment was applied towards the principal. I contacted PNC and after a few phone calls the issue was fixed on XX/XX/XXXX almost a month after the incident. During my call with a PNC representative, I asked them what can I do to ensure that if I make an extra payment the entire amount gets applied towards the principal. They gave me a phone number to contact. On XX/XX/XXXX, I called the phone number and I paid a {$7.00} fee to make a {$10000.00} additional payment towards the principal. During my phone conversation, I was notified that they can not process a phone payment by phone that is {$10000.00} or more and instead they will have to break it up in two payments but that they could process it in such a way that the entire amount will be applied towards the principal. When I looked at the payment history, I discovered that out of the {$10000.00} payment only {$1000.00} was applied to principal and the remaining {$9000.00} was applied to " OTHER. '' After I discovered this issue, I called again and I was notified that they made a mistake and they will work on fixing the issue but currently, the {$9000.00} payment is PNC possession and has not been applied towards the principal on my mortgage. When I talked to a PNC representative about two weeks ago during my first call with them regarding the PNC misapplying the extra payment, I also indicated that I would like to know what is the process to remove the PMI payment if my property has appreciated. They indicated that they will send me the information regarding their pre-approved appraisers. However, I have yet to receive such information. | ||||||
| 11/20/2021 | Yes |
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| - PNC bought BBVA Bank- the transition happened XX/XX/XXXX - PNC did not send my mail to the correct address - I have a separate mailing address and home address ( I do not receive mail at my home address ) - I started calling PNC when I got home from vacation on XX/XX/XXXX or XX/XX/XXXX ( I returned on XX/XX/XXXX but was sick with XXXX ) to figure out my accounts. This is when I discovered my account numbers had been changed and my new check card along with my new account number information had been mailed and returned because they had the wrong address. - I ended up at the branch at XXXX XXXX XXXX XXXX XXXX to get my account numbers and a new check card, I don't remember the date at this point. And because I use checks, they printed some of them for me. - I continued to try and set up online banking but was having issues with my password which had me calling into the branch and Customer Service number on their website. - I went on their XXXX page and saw there were a lot of people complaining on their page. I complained and they started messing with me ( screen grabs attached ). - At one point they requested the name on my account, my e-mail and phone number. Very shortly after that I received a call from XXXX ( screen grabs attached ) stating it was their Fraud department and my accounts were frozen. - I just redialed and that is when they got all my information ( I thought I was getting my accounts unfrozen ). - I started receiving e-mails alerts and by the time I got to the branch, there was a {$XXXX XXXX transfer to a XXXX XXXX at XXXX on XX/XX/XXXX and several wire transfers totaling {$XXXX - I received XXXX text messages and XXXX e-mail from XXXX XXXX XXXX about a request to transfer my number to a different carrier - XXXX - they also stole my cell phone number but I was able to get it back. I will include screen grabs of the e-mails/text messages received regarding that situation. - I am including screen grabs from the e-mail alerts. | ||||||
| 08/11/2021 | Yes |
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| On XX/XX/XXXX in early afternoon ; I deposited a check in the amount of {$470.00} at the atm drive through at PNC Bank on XXXX XXXX XXXX XXXX XXXX, Pa XXXX. The atm glitch screen when blank took the check, I hit cancel traction it kept my check and showed on my receipt it deposit check! I went to drive through window spoke to the teller on what had transpired. She asked if I could come which I couldnt due to me on my way to work and didnt get off til after the bank closes. She than suggested I call customer service to handle the problem which I did immediately. The customer service rep credited my account with the funds. A months and half later I get a letter in the mail stating they were deducting {$50.00} due to the amount of the check and the letter also stated I could request proof of documentation of how they determined that amount. So I called them explain everything again & ask for prof of documentation and copy of the actual check. I was 4 different times by several different reps on different calls they couldnt find the check or provide proof of how they determine that amount. I needed to provide proof of the check, I said how if the atm took it before I could even get a copy of the image of the check! I than went to the person who actually wrote the check out to me she went to the bank on XXXX XXXX personally it was denied access to any copy of her cleared written checks for that month! Claimed they do not provide that service she than closed her account which she has been a customer their since 12 years of age. I than went to my local bank in XXXX Pa explain everything ; a request was put in for a rep to call me and I received an email from a XXXX XXXX executive client relations that I would need proof of the check! Exact same runaround but they refused to give proof of the check or documentation on how they came up with that amount!! This so unfair & unlawful practices on their part. I want my money back in my account & apology! | ||||||
| 02/18/2021 | Yes |
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| We have disputed 3 transactions with Pnc Bank for services that were not rendered on our wedding day. They continue to state the services were valid after providing documentation from us and the vendor that they did not show up to the wedding. Services were not rendered. Vendor did not show up to perform services on our wedding day. It's been over 100 days since XXXX XXXX did not uphold his end of our contract. It's been over 100 days since he emailed us claiming that he would " refund the total to resolve this issue. '' Wedding day was XX/XX/2020. XXXX XXXX was to arrive at the venue at noon. The bride contacted XXXX XXXX at XXXX requesting a refund for his services since he had not arrives at the designated time. XXXX XXXX arrive a the venue at XXXX and confirmed that the Bride would receive an refund. On XX/XX/XXXX XXXX XXXX sent an email apologizing a requesting information about processing the refund ( XXXX or disputing charges ). the Bride responded with her XXXX name and began awaiting the refund. After 2 weeks, the bride decided to dispute charges with PNC since payment had not be received. The details of why you weren't where you committed to being are not my concern. My wedding date was NEVER moved to XX/XX/XXXX. Ever. I saw you TEN days before my wedding on Thursday, XX/XX/2020, for my trial because it's when it worked best around your birthday. At the end of my makeup trial, you told me that you would arrive at XXXXXXXX XXXX at my wedding venue and that you had all of the information you needed. We disputed the charges after he did not respond to my email requesting the refund via XXXX. The bank can not refund the {$910.00} as the payments were processed using XXXX. That is considered a person-to-person transaction. We are ready to move past this issue. XXXX XXXX XXXX carelessness in this matter has already taken more than enough of my precious energy. My wife and I would prefer not to have to take this matter any further. | ||||||
| 05/18/2023 | Yes |
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| This morning I received an email from my bank, PNC, that my checking account 's balance is XXXX. I immediately logged in to my PNC app to transfer money from my saving account to my checking, but I didn't see my saving account. I rushed to the nearest PNC bank near my work, and shared my concern with the agents. They confirmed that it looked unusual, but they can not give me more information until they investigate more. After nearly an hour, I received an email from my agent. Here is the exact text from the message : " I made some phone calls and it does look like the accounts are being closed. PNC has already issued checks in the mail for the balances in your accounts, so Id keep my eye out for those letters. I tried to get a more detailed explanation, but since I am not the owner of the account PNC requests you call XXXX for additional info. I did inquire if we can open you a new account and our research team did say we can do that. If youre interested in getting re-established with a new account, Id be happy to schedule an appointment! '' I called the XXXX number, and the lady on the other end of the call informed me that PNC had decided to close my account, as they have the right to, and she was not able to give me absolutely any reason for that. As a 10 year loyal PNC customer, who has done everything legally and ethically to the best of his knowledge, I am shocked by this event. This will cause tremendous discomfort and will require massive effort to fix for me, since my account at PNC was the only bank account I had for the past 10 years and is linked to many of my financial transactions, such as Bill autopayments, student loan, car loan, etc. I am trying ro get to the bottom of this. If I have done anything wrong, I would like to be informed about that. PNC 's decision to just close my account out-of-the-blue, made me lose my trust in the company and it should make other customers reconsider trusting them with their financials. | ||||||
| 04/05/2023 | Yes |
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| I have an account which all over the documentation and over a recorded line mentioned to me as well as in person when I opened it up that if I leave {$500.00} in my account there will be no service charges or fees. I do not have to do anything swipe my debit card or do any transactions and I will NOT be charged any fees or service charges on the account forever. I spent 2 weeks for them to refund my fees for an illegal service charge placed on my account on XX/XX/XXXX after XXXX year from my account opening date. I was not notified of any charges being done my notifications were shut off and I am sure I set up alerts countless times. Then after that for 1 year they kept taking account fees. I just got my account refunded last week on Friday XX/XX/XXXX and I look into the account again there is another Illegal Service charge. It took them over 2 weeks and many many calls and I am frustrated I have lost at least XXXX dollars of income during these calls and the frustration of keep following up with them is just too much Stress. Below is the history of the account. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$15.00} {$480.00} XX/XX/XXXX {$500.00} Active Balance since XX/XX/XXXX This is with PNC Bank and it is a business checking account I created in XXXX of XXXX. | ||||||
| 07/05/2021 | Yes |
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| On XX/XX/2021, I deposited a check in the amount of {$4000.00} into my personal checking account with PNC Bank. The check was arranged by XXXX XXXX XXXX who seemingly was my manager for the company XXXX XXXX XXXX XXXX of which I seemingly was employed with at the time. I was told by XXXX XXXX the funds were for payment to contractors and office equipment. The financial institution 's name on the check was PNC bank. The {$4000.00} was posted to my account by XX/XX/2021. After the funds were posted, with instructions from XXXX XXXX, I sent payments to individuals he provided. On XX/XX/2021 I received another check arranged by XXXX XXXX. The check was in the amount of {$4500.00}. According to XXXX XXXX, the funds were to be used for additional office equipment. I deposited the check into my account the same day. Shortly after depositing, XXXX XXXX sent a XXXX message wanting to know the status of the deposit. When I checked my account on-line, I did not see the check showing as pending. I contacted PNC customer service and spoke to a rep. The person did not see the pending deposit either. I returned to the branch where I made the deposit. At the branch I learned the {$4500.00} check as well as the {$4000.00} check were fraudulent. I informed XXXX XXXX of what I was told regarding the checks. He denied the checks were fraudulent and said the accounting dept would follow-up with PNC which did not happen. PNC bank reversed the {$4000.00} from my account. I tried to find out from PNC why the {$4000.00} was posted to my account before vetting the check as the financial institution on the check was PNC bank. Had PNC bank vetted the check, they should have been able to determine the check was fraudulent before posting to my account. PNC essentially told me the funds were posted to my account based on their business process. Since the check was not vetted, I requested the {$4000.00} be refunded to my account. The bank is refusing to refund the money. | ||||||
| 08/22/2017 | Yes |
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| As part of a Chapter XXXX filing on XXXX XXXX, 2010 PNC mortgage was a creditor discharged. I discovered that PNC had reported credit activity after having been discharged. The activity was reported to and published by XXXX. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, XXXX chose to publish the information. Upon notifying XXXX of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The XXXX supervisor " XXXX '' in the Resolution Department stated that if PNC reports the activity, XXXX would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. XXXX has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process. | ||||||
| 11/20/2021 | Yes |
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| XX/XX/XXXX I wanted to write down what my mortgage company told me as I wrote on the documents they sent me and you may not be able to read it. I called PNC on XX/XX/XXXX at XXXX a.m. I spoke with XXXX XXXX. I was hoping to get some positive directions on how we can fix our situation. I asked about the XXXX documents they sent to us. I told them that I still have not found employment, and that I did have interviews coming up. I was originally told that they could add the balance owed to the end of the loan. They were also to add XXXX months on to our Covid relief program. I apply to jobs every day and have XXXX pages ( front and back ) of jobs I have applied to. Right now, we only have my husbands income coming in. With one income, it is a terrible decision on what to pay/buy - food/medicaXXXX bills, regular bills. I was told that they could not add the balance to the end of the loan as they stated because my situation had not changed nor had our income changed and we can not pay as of yet. They said they could resubmit another extension for forbearance, however, that would mean that they would resubmit for another XXXX months of payments and that balance would be owed as of XX/XX/XXXX which would be {$25000.00}. If we did this, they stated that the breach demand would stop. Right now, the letter we received says we would have to pay {$21000.00} on or before XX/XX/XXXX. I told them, if I had $ XXXX I wouldnt need to go through all of this. They told me that I could do a hardship document and we would have to qualify. They would need me to write a letter submit 30 days of income, XXXX bank statements and the last XXXX IRS tax forms. My question here is the last XXXX IRS tax forms do not show what our family is going through now. They told me to get credit counseling and did not offer any other suggestions. PNC is a very hard company to deal with. Prior modifications with this company only raised our monthly payment and did not help. | ||||||
| 01/09/2016 | Yes |
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| How are you doing, and hope all i well. I had posted a comment before about PNC bank, and how they have not helped me with my disputes. They actually recently reversed a {$210.00} dispute, and now I am - {$930.00}. This is ridiculous for real, these banks do whatever they want to you and your account. They charged me {$7.00} up to {$92.00} for not having positive funds. Because of their judgements I have defaulted on student loans, late on rent, and just been hard with no funds. I reported that my debit card was compromised by my nephew, and he took all those funds out my account. I reported it to PNC, and cancelled my debit card for a new one. They later said after like 2 weeks that they could n't do anything for me, because my nephew knew my pin somehow. I understand that, but I never gave him my pin and he must of seen me withdrawing money and saw my pin digits. And I never thought in a XXXX years family would do this to me too, and I filled out a police report on the matter and nothing. This is very upsetting, because I live day to day and do n't make a lot of money. Its sad to see a huge bank not help you at all, or just make their own decisions on your matters. I do n't do claims or disputes for fun or a living. I actually think its embarrassing, and upsetting you have to call your bank for this, and when you do they do n't do anything for you, but if you owed them money you ca n't let them wait or make your own judgement on the matter. They sent me latters in the mail saying the transactions were just, and the atm film too. How does that even make sense? They are not just, because I reported them to the bank as fraud. It 's only like {$1000.00} not a {>= $1,000,000}, and that money was for my everyday survival. It 's sad to see a bank like this not help its customers the way they should, and I think these banks get away with anything they want too and that 's not fair to us the people that keep these banks running with our money. | ||||||
| 06/14/2021 | Yes |
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| My loan was transferred to PNC Bank ( without my knowledge ) on XX/XX/2021. They did not inform me of this until XX/XX/2021. That being said, I contacted my previous mortgage company to get their information and made my XXXX payment ( which was accepted and applied to my mortgage ) in XXXX and ON TIME. I received a collections call on XX/XX/2021 for my XXXX payment. I called the bank as the recorded line instructed me to do. I asked the representative that answered ( XXXX XXXX why I was being called and she said I was getting called by their collections department. I informed her that my payment was not late and after talking to two representatives who both informed me that I was late ( XXXX and XXXX XXXX in making my payment that I was getting called by their collections department ( on my work phone without my consent ), and that I would be assessed a late fee. When I explained to them that what they were doing was against the rules as set by the CFPB they still tried to tell me that I was late, but would not get a late fee unless the payment was not received by the XXXX. They did transfer me to their collections department. The individual I talked to in their collections department understood that I was correct and that what they are doing is not in accordance with Federal Regulations and stated that in accordance to the PNC rules I could NOT put in a cease and desist order stopping them from calling me on my work phone unless I took the action of writing to them. I have never given PNC permission to call me on my work phone or my cell phone. My loan was transferred to them without my consent or knowledge. This is creating a hostile collections environment for me when I am not even late in making my payments. They are trying to embarrass me at work, stress me out and may have even tried to illegally assess a late fee when the payment was not late. I have had many mortgages and have never received a collections call from any of them. | ||||||
| 09/01/2021 | Yes |
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| I went into forbearance in XXXX of 2020 because I am a XXXX XXXX and my work was affected by the pandemic. Before I entered into the forbearance, I read about the CARES act and saw that entering pandemic related forbearance would not affect my credit, or my ex 's credit because while I own the title to the property, he is on the mortgage still. I have asked about this every time I spoke to my mortgage company and they said that our credit would not be affected. My ex has taken me to court, saying that his credit has been harmed by my forbearance. I would like to speak to someone who can explain to me the CARES Act rules about how credit is not affected by entering the forbearance program. In addition, I was told that my deferred payments would be " tacked on to the end of the loan '' which I wrongly thought meant that the loan maturation date would be changed. On Monday I found out that through HUD that deferred amount is now a balloon payment that will be a lien on the property until it is paid off, and that the loan maturation date remains the same. No one explained this as part of the pandemic forbearance process to me. I see now that I could have gone to this site and HUD and learned more, but I didn't understand that I needed to do that. My lender gave me a website to go to, but I asked and thought that it was a separate program, not the one that I was participating in so again, I didn't look. The communication process didn't ensure that I understood what was happening. I would like for someone to help me understand how that lien will affect the credit of myself and my ex, because he is seeking to force me to refinance or sell the home to get him off the mortgage, and he is saying that the lien is damaging his credit. I would appreciate understanding how the lien will affect our credit and if that is allowed under the CARES Act because it states that credit will not be affected if you enter into the pandemic forbearance program. | ||||||
| 07/21/2015 | Yes |
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| My original mortgage was by a bank in XXXX Ohio. Apparently, this bank sold my mortgage to PNC Mortgage. I was offered a better loan rate if I opened a PNC bank account. I opened the account because I was told that there was no fee on the account. PNC encouraged me to sign up for paperless billing, which I did as I thought it would be eco-friendly as well as cut down on mail to my home. I recently received a letter from PNC Bank stating that my bank account was overdrawn and they had tried to contact me previously. I know this is not the case as I recently refinanced my PNC Mortgage, which involved detailed discussions with all levels of staff within PNC and no one ever mentioned that PNC started charging a monthly fee for my bank account. When I called the PNC customer service number in the letter, I was told that PNC changed the policy XXXX years ago and that I had been incurring monthly fees ever since then. I was told that I would have to go to a branch and speak to a manager. I went to the nearest branch and told the manager that monthly fees had been charged against my account for XXXX years without me ever being given notice. I further explained that I only opened the bank account to get favorable loan terms and had no reason to further engage the account as it was a secondary account that had no activity since its inception ( other than the fees ). I did n't receive any statements because I opted out of postal mailings and I never established an online view because I was told there was no fees and I had no activity on the account. The branch manager said that she could only request a few months reimbursement for the fees and that I would have to make a complaint in order to receive my money back. My request was denied and the manager stated she could not override the reimbursement denial. I was told that the fees are assessed on any bank account with less than {$500.00}. I was paying a mortgage of {$3000.00} monthly with PNC. | ||||||
| 08/08/2017 | Yes |
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| Hello, This issue is in regards to a mortgage being survived by PNC. The details are : 30 year term with a fixed interest rate ; payments are principal and interest only. The mortgage began through XXXX XXXX XXXX in XX/XX/XXXX, that bank was purchased by XXXX XXXX. XXXX then sold the servicing to PNC in XX/XX/XXXX. Upon the purchase, PNC erroneously placed an escrow on the account for the annual home insurance. The fee was {$330.00} annually. So the monthly payment went from XXXX to XXXX. I contacted the bank in XX/XX/XXXX to notify them if the issue. PNC told me the issue was resolved in XX/XX/XXXX. However, in XX/XX/XXXX I received notice that my payment was late, as they were holding my principal and interest payments until they recover the amount including escrow. I called PNC in XX/XX/XXXX and notified them if the issue. PNC said it was resolved. In XX/XX/XXXX I called again as I was notified of late payment again. However this time PNC reported a late payment to the credit bureau. This was in error as they were holding my payment waiting for the escrow amount that : was incorrectly placed and never removed. I called in XX/XX/XXXX and PNC stated the issue will be r viewed internally to verify the loan document state principal and interest only. This was never done and they continue to report me as late. In XX/XX/XXXX I called again. I was given the balance of the escrow and made a payment to clear the balance. I also was told I needed to fax a letter saying the escrow was placed in error and must be removed. I faxed a letter on XX/XX/XXXX. My request was denied as " I had late payments in past. '' My payments were made on time. PNC was holding my payment because they were awaiting the escrow payment. I have tried for a year to resolve this issue to zero success. I hope the CFPB can help mediate this so PNC does not illegally report credit issues and hold payments because they have incorrectly identified a mortgage as escrowed. | ||||||
| 05/08/2020 | Yes |
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| There are several inaccuracies regarding the management of my high performance checking account with PNC. After several unethical insufficient funds charges as well as previous CFPB complaints XXXX and XXXX ( a total of XXXX for both complaints that was fraudulently removed from account and never reimbursed ) which were unresolved due to Fraud that occurred on my account and PNC refusing to investigate the fraudulent activities despite me filing a police report and contacting the XXXX regarding the charges, I went into the XXXX branch of PNC to close my checking account on XX/XX/2020 and made a deposit of XXXX to bring the account current and close out my checking account, that I had for 11 years, as well as Money Market account. XXXX closed out the XXXX XXXX account but refused to close out the checking account indicating that he would have to wait until XXXX XXXX to assure other transactions do not post to the account. Also on XX/XX/2020, I removed overdraft protection from the account in an effort to discontinue the scrupulous business practices that are implemented by PNC. In addition to making multiple phone calls regarding questionable transactions on my account, I also participated in a customer survey in an effort to speak with customer service regarding my dissatisfaction with PNC. I received a call in XXXX from a XXXX XXXX who left a voicemail message, but no direct contact phone number and needless to say, I was never able to reach her or anyone else to address my concerns. One of the concerns is how transactions were processed and I never received a consistent response. The standard response would be it's listed in your documents when you received your account. Well I still have my documents and none of what I was told is listed in there. Since my requeste to close my account, PNC has charged a total of XXXX in isf fees as well as continuous overdraft charges on an account that I requested to close over two months ago | ||||||
| 09/19/2023 | Yes |
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| At approximately XXXX hrs on Saturday, XX/XX/2023 I went into the vestibule ATM of the PNC Bank located at XXXX XXXX XXXX. XXXX XXXX, MD. XXXX to make a {$800.00} cash deposit using my XXXX Atm card. I inserted my XXXX Atm card, entered my PIN per usual and machine prompts. The machine then asked me what I wanted to do, I pressed make a deposit. It prompted me to insert my 8- {$100.00} bills. It counted them and displayed the message " would you like to deposit {$800.00} '' in XXXX bills. I confirmed yes. The machine counted the money, made a few noises-what sounded like it depositing my cash into its safe. The machine then displays " sorry we are unable to process your transaction, please take your card ''. I followed directions and took my card. The machine then went back to " normal '' screen meaning it was ready for a new transaction. The machine gave me no receipt, did not credit my checking account for {$800.00} deposit, and did not give me the option to have my money back. If I did this to the ATM I would be in jail, but for some reason PNC has kept my money for 2 weeks and seems complacent in the fact that their machine has defrauded me. Please help me!! I reported immediately to PNC per the ATM machines XXXX help number and they said they could not help me since it was outside of normal business hours. I went to the bank when they opened the following monday and made a complaint to the manager. He informed me that PNC does not service their own ATM 's but not to worry they would find the unallocated funds. He has not responded to my calls. I stopped in the bank again this Saturday, 2 weeks later now, and he said the same thing... .he hasn't heard from the ATM company regarding any unallocated funds and for me to be patient. XXXX XXXX can not help me either they claim it is up to the ATM owner to resolve the issue and they simply noted my complaint and let me go with no resolution, just a sorry this is happening to you!! | ||||||
| 04/15/2023 | Yes |
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| XXXX PNC Bank has terrible reviews across the internet for good reason. And they have been ripping me off FOR MONTHS. I tried in good faith for THREE MONTHS to work in person to get my issues resolved, but their flippant responses and continuation of bad practices were impossible to deal with. THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL. This is what happens when you have ONE BAD ACTOR at the helm, who has named himself CEO, president and chairman of the board. Specifically, the terms of my loan are that I owe INTEREST ONLY, but if the interest only is less than a {$75.00} minimum monthly payment, I will have to pay {$75.00}. This was reiterated to me on the phone by someone named XXXX at around XXXX XXXX on XX/XX/22. The BALANCE of that {$75.00} minimum payment should have been APPLIED TO PRINCIPAL, but instead, PNC Bank stole the money. On XX/XX/XXXX, {$75.00} - {$11.00} actual interest owed per statement equals {$63.00} stolen from me. On XX/XX/XXXX, {$75.00} - {$28.00} actual interest owed per statement equals {$47.00} stolen from me. On XX/XX/XXXX, {$75.00} - {$49.00} actual interest owed per statement equals {$25.00} stolen from me. On XX/XX/XXXX, {$75.00} - {$57.00} actual interest owed per statement equals {$17.00} stolen from me. PNC Bank owes me {$150.00} PLUS INTEREST accrued using their usurious math - backdated to the dates when they originally stole my money. -- -- -- - Apparently my annual fee is assessed in XXXX each year. PNC statements are difficult to read, but I have reviewed them closely. They are attached. I have no quarrel with the annual fee. THIS ALL COULD HAVE BEEN HANDLED IN PERSON. Furthermore, I find it reprehensible that I can not make a principal payment unless I do it on the 12th of the month, and in spite of making every effort to be a good customer and pay off my loan, they want to get their FEES FIRST no matter what. What a terrible, awful company. I miss BBVA so much. | ||||||
| 10/20/2022 | Yes |
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| On XX/XX/XXXX I called PNC branch in XXXX, NJ to lock my HELOC and was quoted 5.54 %. I was advised I would need to sign a document and never received it. We assumed that the rate was locked since the call was on a recorded line and the quote was provided per fed regulations. XX/XX/XXXX we saw that the rate had jumped and our statement showed the rate had not been locked as agreed. We called the branch who told us that she was not able to assist us and transferred our case to a customer service representative. He told me that because we didn't pay the {$100.00} fee that PNC charges and didn't sign the document ( we never received ), that the lock was not placed and therefore we would need to pay the higher rate. To date, our rate is 2 points HIGHER than the rate we were quoted on XX/XX/XXXX and still climbing. To date, we have still NOT received the document needed NOR the {$100.00} fee applied by the bank. We just want the rate we were quoted to be honored. We placed it on a recorded line with the branch manager. She gave us the rate quote and the terms of the rate as required by lending guidelines. However, after that the rate was not locked and is now costing us HUNDREDS of dollars in excess costs as they have not resolved this and keep stating that it's our fault. They explained the fee and the form that needed to be signed are only a PNC overlay and not an industry standard. We feel that their delaying of locking and resolving the issue is predatory and would like assistance to get our rate locked at the disclosed and quoted fixed rate of 5.54 %. As of today, we are Still not resolved. We have made several calls to PNC and are " escalated ''. We have not missed any payments and they have an automatic draft for the payments to come out. This is not fair to consumers and the overlay they have should NOT prevent a rate lock from occurring when it's recorded and quoted and in the file that we requested the lock appropriately. | ||||||
| 06/21/2019 | Yes |
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Web | Older American |
| On XX/XX/XXXX XXXX XXXX XXXX XXXX was set up by my then husband for during my Life-Time, till upon my death. Then the Trust would be divided equally into 3 Charities. On XX/XX/XXXX I had received a letter from the Assistant Vice President, Fiduciary Advisor stating the Life Time Trust on XX/XX/XXXX terminate/exhaust with a partial payment at the end of the month. This giving me not much more than 6 months to find out how and what has happened during the years that the Trust was handled for again this was a Life Time Trust. The PNC XXXX XXXX handle the XXXX. I have called numerous XXXX, XXXX, sent letters to XXXX, XXXX and Government agencies, waiting as of this moment for replies back for guidance to handle this situation. Also I had contacted PNC Asset Management nothing had or makes since. Called one of the Charities with no answers. At this point after a few calls now if I would like I was asked if I would like to speak to their attorney. PNC has opened a Irrevocable XXXX XXXX XXXX without my knowledge or consent the effective date of the statement on my personal account it was XX/XX/XXXX. Since then month after month statements keep appearing on my Personal Banking Account. How can anyone open a account without your knowledge, then keep adding statements of past years. Each month since the letter from XX/XX/XXXX that the Trust will exhaust in XX/XX/XXXX I have been receiving statements in the mail as well of how the funds are invested and the balance of the account. During the past 20 years I have not received one statement, no communication From PNC stating any transactions or that the Trust would exhaust. There were no communication at all. The only paperwork that I did receive was the XXXX end of the year form and the Remittance Form of Deposit of the monthly income. I have been trying to resolve this issue. I am seeking guidance in this matter if possible. This is my life income and now somehow it is gone. | ||||||
| 10/01/2016 | Yes |
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| Went to a bank PNC yesterday but day before yesterday I went to store, on XXXX #, XXXX XXXX XXXX ) XXXX ) XXXX at XXXX branch I had {$180.00} XXXX yesterday told at XXXX Branch I had only {$34.00} (? ) XXXX $ (? ) Left, I already have other disputes pending and corrupt fraudfilled, deceitful, XXXX, insurance went in electronically allowing them PNC bank to did to do so I 'm alleging PNC bank Is " intentionally fraudulently delaying the " Actual '' funds money availability to my account knowingly " knowing XXXX will spend innocently later funds that I do n't have availavlble.like if I put {$120.00}, in on XXXX on wed with XXXX, using My cash then my XXXX check cones in say '' on Friday, XXXX, is alleging that I 'm negative {$120.00} its fraud n that 's wat I 'm reporting also discrimination vs XXXX etc, XXXX, on loans of any sort with the bank I 've called corporate n filed cfpb greviancies n heard zilch from anyone.I do n't owe XXXX zilch they were just electronically imedialty paid earlier between XXXX # & XXXX # of XXXX debts r owed.as I have to call the stfarm branch on XXXX # XXXX # &, ,to suspend bank payment cuz, my ssi checks are n't avail, til XXXX $ XXXX, XXXX electric payment scam " Picks up as a debt collector '' without disclosures, without a debt license to collect, without warnings of, to consumer of what 's owed allegedly, minus, what XXXX operators r bogusly, telling us customer 's oon calls that " were good ''! Etc, when really they purporting people owe them double months or else is actually vs public policy n break several deception acts n statutory laws under insurance regulations.XXXX, this bank must be shutdown as a failing bank with nothing to offer, no bankers, n account fraud theft n money mismanagement n racism vs XXXX, I demand full return for my coffee mate, n my previous earlier this month dispute n my XXXX cash so I can part ways, After '' I file civil rights actions vs this bank for Ada violations | ||||||
| 02/10/2023 | Yes |
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Web | Servicemember |
| PNC BANK phone number # XXXX The bank is charging fees on usage with debit cards while the company reduces the amount of branches therefore forcing clients to access funds from debit machines and charging customers and making it inconvenient. Also, recently the debit card I was issued is not working properly ( 30 % of the time the card worked ) When I requested a new card I was assured my card would still work until the new card arrives. But the company put my card on hold until the new card arrives causing financial hardship not accessing my funds. After repeated attempts XX/XX/23 of calling in. I was constantly sent to other departments that were not able to help. The 2nd attempt with the customer service rep said the dept. that handles this is busy and I can't be helped, when I asked to have a supervisor get on the phone I was again transferred to a different department that couldn't help to avoid the transfer to the supervisor. I have contacted for the 3rd final time to get a supervisor, and the female service agent got me in touch with her supervisor ( XXXX XXXX who did nothing to resolve the issue and said she is not able to help me and again that she would have to transfer me. She said my card was not on hold that it's another issue making it more confusing and not explaining the reason. As i asked her why when I put my card and pin in the PNC debit machine that it did show my account but not let me access my cash. I told her I also tried to use my card with a purchase and was also declined. I told her this needs to be resolved before the weekend to access my money as there call center is terrible on the weekends. I explained to her this is unacceptable to contact them and have the issue resolved and she said that's not how it works. I told her to have someone fix it and call me back and nothing has been done. I am still unable to use my card. The mismanagement starts from the top all the way down to the service agents. | ||||||
| 09/03/2017 | Yes |
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| I was added as an Authorized User to my mothers PNC Bank Credit Card a few years ago. The card was hurting my credit score when I checked a few months ago, so I called PNC 's customer serivce on I believe XXXX XXXX XXXX at XXXX. I asked them to remove me from being an Authorized User which they told me I can not do myself, but that the primary cardholder has to call and do it themselves. It was a bit odd as other credit card banks immediately allowed me to remove myself as an Authorized User without issue. I had my mother call PNC customer service on XXXX XXXX XXXX while I was standing near by as she does n't speak english very well. The representative had to get a translator which my mother could not understand what the translator was saying or the representative. I was told that I could also not speak on her behalf even though she was right next to me when I asked that if she would agree to it if that would work. The representative and translator eventually gave up and told me to bring my mother to a branch office instead. She does not want to go to the branch office as the phone conversation with customer service confused her and as she 's filing bankruptcy anyways so she has other concerns. I am at a loss of what to do as this card reporting on my credit report has prevented me from being able to even get a secured credit card in an attempt to rebuild my credit. This policy of only allowing the policy cardholder to remove Authorized User seems outdated as it should n't be there in the first place. I felt that this should be brought to the attention of the CFPB and PNC as it could harm other in the sense that if the card is hurting your credit score and you ca n't remove yourself from being an Authorized User. While the policy cardholder be it that they 're XXXX or you 're not in contact with them you should n't be stuck with the bad remarks for a card that is not your responsibility and no other pathway to remove it. | ||||||
| 01/27/2016 | Yes |
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| I have my property in short sale since XX/XX/XXXX PNC Bank National association is the lender of property XXXX XXXX XXXX is the realtor taking care of short sale ( XXXX ) XXXX The buyer is ready to buy even though PNC Bank raised the price two times and the buyer still willing to make the purchase. Since the bank has a sale date for XX/XX/XXXX On XX/XX/XXXX I filed an emergency motion to stop the sale with Circuit Court. Judge 's clerk scheduled me to appear in court on XX/XX/XXXX at XXXX On XX/XX/XXXX XXXX XXXX, XXXX represented PNC Bank in front of Judge XXXX XXXX XXXX from court room XXXX. XXXX XXXX explained me that PNC continue working with my case and currently it was being reviewed for Loss Mitigation. ( See copy attached ( XXXX ) Today XX/XX/XXXX I was working ( I am full time worker ) and my son send me an email ( XXXX XXXX asking me to call him " it is an emergency '' he stated. When I called him back he said that a man who identified himself as XXXX was drilling the locks of my basement because PNC Bank order him to do it. My son informed XXXX that I XXXX XXXX XXXX was still living in the property and having a short sale going on. XXXX said that he was only following PNC Bank orders and the most he can do is to come back tomorrow XX/XX/XXXX in the morning to change my house locks and perform on eviction which includes to bring a crew of men who are going to empty the house and damp all my belongings and valuables. I have never received a notice of vacating the property. I do not understand was going on please help me. The realtor 's attorney, who is conducting the short sale provided me with a list of actions he has been taking in a monthly basis towards the short sale. ( See attachment ( XXXX ) Please contact me or my housing counselor XXXX XXXX from XXXX XXXX XXXX XXXX ( A not for profit organization ) Home owner : XXXX XXXX XXXX XXXX XXXX Foreclosure Prevention housing counselor : XXXX XXXX ( XXXX ) XXXX | ||||||
| 06/26/2016 | Yes |
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| I had a home equity line of credit thru PNC Bank. I received the letter in 2012 telling me my loan maturity date was coming up & I needed to either pay off the loan or renew the loan for another 10 years. I submitted all the required paperwork, i.e. pay stubs, XXXX, etc. Apparently the person reviewing my application did not know how to read a credit report. I owed approx. {$150000.00} on my mortgage & {$55000.00} on my HELOC. I did n't hear back for over 2 months & when I finally got in contact with that person they told me they could not renew my loan because I owed too much on my house. When I asked him to clarify, he told me I owed {$210000.00} on my house so they could n't renew my loan for the additional {$55000.00}. I tried repeatedly to explain that the {$210000.00} was the mortgage & HELOC & that 's all I owed. By the time I sent all the paperwork to him to prove that all I owed was the {$150000.00} & {$55000.00} the loan had come due. Because I did not have {$55000.00} to pay it off, I continued to make my usual payment of {$1000.00}. After 3 months, that person 's supervisor looked over the paperwork & saw the error but then I was told they could n't renew my loan because I had a low credit score. I had perfect credit until PNC Bank screwed it up by not knowing how to read a credit report. It finally went thru a loan modification department & I was told HELOC would be closed & converted to a signature loan @ 1 % until it was paid off & the lien would be removed from my house. I recently tried to re-fi my mortgage since my credit score has improved & the rates are low. When my bank ran my credit report, it showed the HELOC was still open & I had a {$57000.00} credit limit. After repeated phone calls to MANY people, I finally got a letter that stated the loan was closed. I gave that to my bank but now the title search shows PNC Bank still has a lien on my house. That lien will affect the rate I can get on my re-fi. | ||||||
| 08/20/2023 | Yes |
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Web | Older American |
| This complaint pertains to the previous complaint, ID XXXX, filed several months ago. The complaint has partially been resolved. I received a cashier 's check in the sum of {$50000.00} a couple of months ago from PNC Bank mailed via XXXX. However, I have not yet received the interest that was lost due to BBVA 's failure to not renew the Time Deposit as requested by me. Instead, the account was closed without my permission or knowledge. This was done by BBVA prior to the conversion to PNC, and a cashier 's check supposedly was issued but without my request or knowledge. To this day, after having asked several times for this information, I still do not know who authorized and issued the cashier 's check and where it was mailed or given to. Please note that I am XXXX XXXX XXXX and reside in XXXX. I have not always received paper statements from PNC and just recently, with the help of my daughter, set up online banking, so I have not always been aware of all activities in my accounts. But regardless of this, I always trusted that my monies were in safe hands and never worried about something like this happening. This whole time, I was under the impression that my original CD had automatically renewed and was earning interest. At no time was I notified that the account had been closed out and that a cashier 's check had been issued. Had I not inquired about another issue recently, I would still not know. I am enclosing the following information for your review : XXXX. Time Deposit Maturity Notice XXXX XX/XX/XXXX. As requested in this notice, I did not respond to this because I wanted my CD to be renewed. XXXX. Letter from PNC, dated XX/XX/XXXX XXXX. Copy of Cashier 's Check XXXX dated XX/XX/XXXX I hereby request that PNC reimburse me for all the interest that I could have earned if the CD had been renewed as I had requested. This was clearly a mistake by BBVA and since it was converted to PNC, PNC is responsible. | ||||||
| 10/27/2021 | Yes |
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| Hello. So im having a big issue with my bank PNC Bank. Back in XXXX someone stole my online banking info in result of me losing my phone. They were abled to put fake checks in my account of {$3000.00} and another 2 checks of {$1500.00}. They forged my signature and they were using my XXXX XXXX, XXXX XXXX and XXXX to send the money to different accounts! They also stole all my money that I already had in my account. I ended up opening a police report on XX/XX/2021 when I realized that all of my money was gone. When I told the bank about it they opened a case. But the person that had my case did not call or communicate with me for 3 months! And when they finally did call me on XX/XX/XXXX, I was told that the bank is denying on giving me back the money I lost and also put me in debt for {$2200.00}! And it got even worst when I reopened the case, they did nothing and raised the debt to {$3400.00}! When I asked the bank the reason why they refuse to give me all the information needed and all they said was that the transactions were approved because it looks like I did it, when clearly someone stole my phone and used all my information! Please I need someone to help me remove the bank debt. I come from a low income home and obviously is not fair for the victim to do pay off debt caused by a scammer. I tried reopening the case but they keep telling me the same results. This has been going on for almost 5 months and im losing my mind and have been in terrible stress. I also filed a identity theft form on XX/XX/2021. Also the amount of money that im supposedly to be owned back is not correct on the police report. I only lost about {$1400.00} and the report says {$4000.00}, which could of been clear if I had gotten enough assistance from the bankers. I need possible solutions to this cause ASAP please. I don't even have this kind of money : ( The bank refuses to give more information and I know for a fact Theyre making a mistake! | ||||||
| 03/28/2022 | Yes |
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| This complaint is in regard to my desire to apply for forgiveness of my XXXX draw of the XXXX, currently being serviced by PNC bank but originated and approved by the predecessor bank BBVA which PNC purchased last year. Going back into XXXX and again in XXXX while a customer of BBVA bank, I applied for and received XXXX rounds of XXXX funding for {$15000.00} each ( $ XXXX total ). The first draw was already forgiven using the BBVA PPP forgiveness portal. To be clear, both BBVA and the SBA had to underwrite and approve each draw for a total of XXXX rounds of underwriting. I now only have the one remaining loan of {$15000.00} that I wish to have forgiven. It has been my intention to use the PNC XXXX loan forgiveness portal but there is a big problem. The problem is that there is a discrepancy in the Correct Maximum Loan Amount that must be resolved before any forgiveness application will be approved. There should be no discrepancy for the {$15000.00} yet the portal indicates the correct amount at {$0.00}. Clearly, a {$0.00} figure indicates that PNC didnt access the loan documents from BBVA oXXXX the XXXX XXXX If PNC had accessed documents that didnt support the full amount it is reasonable to assume that at least some dollar figure would have been approved. But that didnt happen here. It shows XXXX. That means the bank didnt access any documents. When I spoke with XXXX of their employees in XX/XX/XXXX ( a XXXX XXXX XXXX ( XXXX XXXX I PNC, XXXX, ( XXXX ) XXXX XXXX ) ) I was told that PNC didnt access those documents even though both BBVA and the XXXX XXXX the loan. Therefore, the blocking of the XXXX forgiveness portal due to an outstanding discrepancy is truly a problem of PNCs own making. I did however submit to PNC the documents I originally submitted to BBVA but so far PNC will not accept them for underwriting. Instead they are demanding a host of documents that I never had to submit to either BBVA or the XXXX. | ||||||
| 01/04/2023 | Yes |
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| Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PNC Bank for the ongoing issues I and many other users have experienced with mobile and online account access. I recently opened an account with PNC ( on XX/XX/2022 ) and have been unable to access my account through the mobile app or on a browser. When I first encountered this issue, an agent at the bank assured me that it was a temporary issue that would be fixed soon. However, it has now been several days and I am still unable to access my account. According to " XXXX XXXX '' sites, there have been a large number of user reports about problems with PNC 's mobile and online banking services. This has also been reported on social media, with many users stating that they are unable to access their accounts. What is most concerning to me is the lack of response from PNC on this issue. There have been no official statements from the bank on their websites or social media accounts, and it appears that PNC is ignoring users who are asking about these problems on social media. I am writing to request that the Consumer Financial Protection Bureau take action to address this issue and ensure that PNC is held accountable for their lack of transparency and customer service. The inability to access my account is a major inconvenience and is causing me undue stress and frustration. While I have been unable to screenshot the error screens on my phone and browser for the days I have been locked out of my account, and I understand that third party user report sites may not be good evidence, please investigate PNC Bank 's practices and how they handle their services and customer satisfaction. This issue is causing me great frustration and inconvenience, but many other people facing this are not as fortunate and rely on these services to pay their bills, mortgages, etc. and can not do so because of PNC 's negligence. Sincerely, XXXX XXXX | ||||||
| 02/08/2017 | Yes |
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| On my line of credit account I owed {$160000.00} and It was refinanced with the same bank ( PNC BANK ) and same bank according to a payoff statement they paid off {$160000.00} on XX/XX/XXXX. Based on this old line of credit account should have been closed with XXXX balance instead, I see that PNC Bank still shows {$610.00} outstanding under my account and when I called they said I still owe them interest in the amount of {$240.00}, which I paid right away on XX/XX/XXXX and the balance {$360.00} according to PNC is the charge for closing the line of credit account early ( before 3 years ), which they will waive since I opened up another line of credit account with the same bank and account will be cleared with no dues in 2-3 business day. I checked my account on XX/XX/XXXX and found amount is still outstanding so I called PNC bank on XX/XX/XXXX and again they gave me the same answer saying they will escalate this and will be resolved, I called again on XX/XX/XXXX and I was told that now I owe {$360.00} for account closing and another {$360.00} for diff in payoff amount ( which they done have any explanation on ) so in total according to PNC I owe {$730.00}. I have also had issue with the same bank XX/XX/2016 on my line of credit account where they tried to debit ( ACH ) my monthly payment from random account ( I didnt have any PNC account ) and when payment was returned they charged me fees and then reversed but from my next payment they took away the entire amount and applied it to the interest instead of my term which is principal and interest. Also, this account also shows that my next payment due is {$910.00}, can you please let me know why since this account is already closed? On my new line of credit accouint ending in XXXX - When is my next payment due and what would be the amount? I would really appreciate if you can help me by answering above and taking care of this. Thank you, XXXX XXXX | ||||||
| 12/28/2016 | Yes |
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Web | Older American |
| I am Power of Attorney for my XXXX XXXX year old Mother. This POA was written by an attorney, signed by my mother, witnessed and notarized on XX/XX/XXXX. On XX/XX/XXXX it was presented to PNC Bank at the XXXX Branch. After being sent to their legal department it was declined and I could not pay any of her bills with the XXXX accounts in question. After talking to numerous bank employees I got nowhere. I have names and dates and even requested to talk to the CEO of PNC Bank. I have a letter stating this from PNC Bank - ( attached ). I do not agree with PNC 's ruling and request your agency to help in this matter. I have printed the XX/XX/XXXX Short Form POA ( attached ). The POA my mother signed On XX/XX/XXXX ( attached ) in XXXX, Il has all the necessary requirements for a legal and binding POA. The XX/XX/XXXX clearly states " Nothing in this Article shall invalidate or bar use by the principal of any other or different form of power of attorney for property. I believe our family has done everything correctly and PNC Bank is putting an unnecessary burden on a very ill XXXX year old XXXX woman and her family by not releasing her money to pay her medical bills. Since XXXX she has been in the hospital numerous times, in a XXXX Il nursing and rehab center and is currently home bound under palliative care with 24 hour around the clock professional care. PNC 's suggestion to me was to solve this problem just bring her to the bank and sign a PNC POA and they would have a notary available. Thank you in advance for any assistance your agency can give me in regards to this problem. I do not believe my mother should have to sign another POA form for the bank. If the bank does not accept legal documents they should let their customers know what is and is not acceptable to them before a family crisis strikes. I have all names, dates and phone numbers of employees of PNC bank that I have spoken to in regards to this problem. | ||||||
| 06/17/2020 | Yes |
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| On or around XX/XX/2020 I called the PNC call center for assistance. Due to COVID-19 my flights from XXXX XXXX to XXXX were canceled. I contacted XXXX XXXX to apply for a refund since they cancelled the flights. They said they could but had to process the refund to my original form of payment. The debit card I used that is tied to my PNC Checking account wasnt active because I had closed it due to suspicious transactions. I contacted the PNC call center just to ask if they could put my old debit card on a status to block debits but to allow credits just so I could get this refund. The person on the phone told me they couldnt but that they could dispute the transaction since I didnt receive the service from XXXX XXXX. Believing she knew the right thing, I followed her lead and she told me that I would be credited the money back shortly. Now, she did read a statement about provisional credit but made it seem like it was just something she had to read. I received a letter in the mail that said I had to sign it in order to process the credit that the PNC employee told me Id get. I signed it and sent it back. Within a few days, I received my credit. Yesterday I was stunned to see that my account was negative {$1400.00}. I couldnt figure out why until I put 2 and 2 together. I travel for work so I received no notification that this money was being reversed and had happily continued spending as such. I dont even know if the bank sent any notification as I wont be able to check my mail until the weekend. I contacted XXXX XXXX and now they are just flat out refusing to issue me a refund, my account is negative with PNC during a pandemic and on top of it, PNC is charging OD fees of {$36.00} each for transactions that had been approved and were pending before they reversed my credit. I am sure that Im the days to come I will receive even more OD fees which will put me even more in the hole and unable to pull myself out. | ||||||
| 11/11/2019 | Yes |
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| My daughter sent me {$200.00} sent through XXXX messenger. The bank received the payment reflected when I called the bank information line. At time of receipt I was overdrawn {$1.00}. And change. Leaving my available cash {$190.00}. And change. I went to the ATM and withdrew {$60.00}. Upon calling my bank I realized that I was now overdrawn XXXX. I called my banks help line only to find there is now no record at all of the {$200.00} transfer. I was told by the first representative that they use their discretion whether or not to give you the money at the ATM. When speaking to her manager he stated not true only if funds are available will you receive money at the ATM. But still no record of the money. I explained # 1 only if money was available would money be given at ATM. # 2 only if money recorded would money be available. # 3 Mony should have simultaneously been given at ATM and taken out of account. So at very least {$60.00} and fee should be shown. This bank has held checks for more than 10 days trying to lead you to believe you have more funds available. They have taken money for a payment and placed it back into my account trying once again to make me believe I have more funds available than I think. My sister who also banks with them can verify this. She purchased XXXX tickets for XXXX day which were taken out of her bank. When she called the info line a few days later it was showing back in her funds. I have been with this bank for several years and they made me sign a new contract with them because my old contract gave me many perks. I have been through several years of the preceding but never had my money stolen right from within the bank. They received the money made it available which is proven by the ATM withdrawal and there records have nothing about the deposit at all. I had-1. And change and now have - XXXX. And change along with charges daily. I appreciate any help you can provide. PNC Banks | ||||||
| 06/24/2020 | Yes |
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| My mortgage loan is a federally owned XXXX XXXX loan brokered through PNC. I tried to invoke payment deferral under the CARES Act. I went to their website and filled out a form requesting CARES ACT mortgage payment deferral assistance. I never consented to the plan they have put me on either verbally or in writing. I received notification in the mail shortly thereafter misrepresenting the payment plan I requested. The paperwork they sent in response to my request for Covid related financial hardship assistance claims that I gave verbal consent to a totally different plan. I never spoke to anyone on the phone about this plan before receiving this paperwork. I worked hard to find the correct Covid specific financial hardship request form as it was buried under multiple pages on their site. I have spoken to them multiple times trying to resolve this matter. I have not consented to this plan in any way, verbal or written. PNC is refusing to issue me the appropriate paperwork to correct their mistake and sign me up for a 12 month consecutive payment deferral per the CARES ACT. I have requested paperwork for the 12 month payment deferral plan, and instead they either send me paperwork for a different forbearance plan ( usually regarding a balloon payment ) or tell me on the phone that I will have to wait until XXXX to get more information and that they simply do not have enough information to assist me. When I was on the phone with a representative today I was told that I had to listen to them read to me a list of my options. When I said that I want the option that they did not read, the representative said, yes that is an option too. When I asked why I was not read that as an option, she simply said " I am XXXX. Things are changing every day. '' It appears as though PNC is willfully misleading consumers into thinking they do not have the rights that they actually do under the CARES ACT and are not in compliance. | ||||||
| 05/08/2023 | Yes |
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| I own a house located within PNC 's footprint and I had a mortgage on that house with XXXX XXXX for two years. On XX/XX/2023, the mortgage was sold to PNC. MY WIFE AND I started the process of setting up an online account so we are able to automate our monthly payments so they are always paid ON TIME. After entering our user id and password, we WERE prompted to review the terms and conditions ( a legal document ) AND TO check the box IF WE accept these TERMS. When I downloaded the legal document to review, I discovered it IS AN ASTOUNDING 59 pages. Not only is this onerous on a consumer to have to read, there is no opportunity to request any changes to the document - - so if we check the box, we are bound to the terms and conditions whether we agree with them or not. On top of the document being 59 pages, the website limits the amount of time you have to review the document prior to accepting the terms. I am not able to complete reading a legal document of 59 pages within the time frame provided and feel like it doesn't matter, I have to accept the terms or I can't use the online services. I feel PNC is taking advantage of consumers since they know MOST PEOPLE CAN NOT PRINT OUT 59 PAGES AT HOME AND/OR no one will read the document in full, will get frustrated and so as not to have to keep coming back to register for the service, they will just click the button and be done with it. I am sending this prior to reading the full 59 pages so I can't say if there would be terms and conditions I would find unacceptable. I BELIEVE THIS IS YET ANOTHER EXAMPLE OF HOW BANKS AND OTHER BIG COMPANIES ARE TRYING TO COVER THEMSELVES BY SAYING " I TOLD YOU SO, WE DISCLOSED IT '' - IS THAT REALLY WHAT THE PUBLIC NEEDS - SHORTER, MORE CLEAN AND DIRECT PLAIN LANGUAGE ABOUT TERMS AND CONDITIONS WOULD PROTECT CONSUMERS - THIS IS ONLY PROTECTING THE BANK HELP- I DO NOT WANT TO CONSENT TO SOMETHING THAT COULD REALLY HURT ME | ||||||
| 08/04/2022 | Yes |
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| I have been lied to repeatedly by PNC bank..I had a transaction that comes out automatically, it did it twice. I immediately called the bank, first they say if I go online, I can cancel the transaction.. ( first fib ) I called back and asked for it to be removed, I am told I have to do a dispute.She says she filed it after asking me to verify my account. I call a few days later. I am told no dispute was filed..ask for it be filed again, I call two more times, it still wasnt filed, speak to a supervisor he says it has to be filed because how do they know I am being true full. I ask him is he saying I am lying, he says how do they know I am not, he says he filed a dispute..I hang up, call back in two days..Still no dispute filed..I email the ceo and someone calls files the dispute but I have to wait 10 days for a resolution, I have already waited two weeks, I explain my paycheck will come in and a bill payment and with my account being in the negative it will cause stress to my account and me. My check had to be mailed to avoid this, I still havent received it, my rent is now late, bill payment behind.. I was told when I opened my account by the assttant manager at the branch about overdraft protection and that I should add to my account, which I did. I assumed the overdraft protection would be in place to take care of this.. I speak to someone named XXXX from there executive customer services who proceeded to tell me that overdraft protection is used through what you have in savings and if I wanted true overdraft protection I have to do a credit application.. I would like them to be held accountable for continually lying, I have the calls taped as I am XXXX in one ear and my calls tape and or transcribe.They treated me very poorly in the first transaction.Calling me a liar and acting as if it was a {$4000.00} transaction and it was {$46.00}. and some cents..This bank is mulipulating consumers intentionally. | ||||||
| 12/13/2019 | Yes |
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| On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. After several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB. | ||||||
| 08/26/2015 | Yes |
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| XXXX : WHAT HAPPENEDI am complaining about a deceptive, negative-option add-on product called " XXXX XXXX Solutions '' on PNC Merchant Services small business accounts. This is similar to the negative option affilliate marketing products that have been the bain of consumer accounts for years. The CFPB in its bank oversight role needs to nip this in the bud on the Small business accounts. In XX/XX/XXXX I cancelled credit card processing on my PNC merchant bank account through PNC Merchant services. In XX/XX/XXXX I deactivated my credit card processing with them, and I stopped getting billed a monthly fee. In XX/XX/XXXX, they started charging a monthly fee for XXXX. They said that they imposed this charge via a letter that they sent me in XX/XX/XXXX advising me of the new fee, and they said they had the right to charge new fees according to the merchant agreement. This merchant agreement, they say has a pro-rate early termination charge. My early termination charge at this time they say would be {$450.00}. I dispute signing a three year agreement with an early termination charge. Also I argue a contract that they have the right to arbitrarily add charges is a contract of adhesion - and at best there is a duty of good faith and fair dealing in adding charges. In this case, a new {$24.00} charge for an inactive account for protection not needed or asked for is not good faith - especially when the letter they sent me was sent to an outdated address, a letter that did not get to me. On the other hand their statements do get to me electronically. They could have sent me the letter electronically as well. Finally, PNC Merchant Services is a deceptive name. They claim they are separate from PNC bank. They were referred to me by PNC Bank, and they use PNC 's logo. I updated my address with PNC Bank in XX/XX/XXXX, I presumed ( wrongly, I guess ) that PNC Merchant Services would receive the updated address as well. | ||||||
| 08/15/2019 | Yes |
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| Mortgage is an adjustable rate subject to periodic changes in monthly payment amount ( +- ). Payment ( s ) have been made each month since XX/XX/XXXX. Payment amount scheduled to change for XX/XX/XXXX payment. No statement was received for XX/XX/XXXX and payment was submitted in the previous statement amount of {$320.00}. This resulted in short-payment of {$8.00}. PNC Bank retained this money ( payment ) without posting it as payment and then they generated a check on XX/XX/XXXX in the amount of {$320.00} that was returned as a short payment ( indicating they were unable to post a partial payment ). This check was received on XX/XX/XXXX and was immediately taken to the local PNC branch to make payment. Payment was made using the check generated by PNC and a cash payment of {$8.00}. Cashier indicated the account was paid current as of that transaction on XX/XX/XXXX. While applying for a loan with another bank, was informed that based on this transaction, PNC Bank generated a late payment report that was sent to the credit bureau ( s ). This " misinformation '' has negatively impacted our ability to apply for credit and be approved for prime rates. This needs to be corrected as soon as possible, since payment was made and not posted. As of this date, PNC has declined to correct this credit information. Obviously, this is a misrepresentation of what actually occurred. Clearly, the payment was made and not credited to the account, due to the {$8.00} difference. It defies logic that a financial institution does not have the capability to post an underpayment, or even an overpayment, but can retain the money until they see fit to return whatever amount it is and claim that payment was not received in a timely manner. I am XXXX years old and have NEVER, since I was XXXX years of age been late or defaulted on ANY credit agreement and I can not believe that PNC Bank is refusing to correct this misinformation. | ||||||
| 03/05/2019 | Yes |
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| XX/XX/2019 I went into PNC branch to dispute transactions on my account due to stolen bank information bank card and identify theft. I went over in detail from the printed statement and spoke to someone via phone while at the desk of banker all the transactions not authorized. From the theft of my PNC SmartAccess banking info, card and checking and routing number there were unauthorized charges. I advised all unauthorized events with date, time, and amounts. They began the dispute. The banker cancels and closed my bank card ending in XXXX and sent a new card to me. PNC Case # XXXX Total charges {$370.00} XX/XX/2019 I requested a provisional credit for the charges and have not received anything. XX/XX/2019 I initiated a call @ XXXX to speak with the dispute department because at this point no one called me or have I received letter of the dispute In mail. I asked the status of the dispute. Per the caller stated that they have determined that no error has occurred and Denied my dispute due to theft as a loss. XX/XX/2019 I stated this is unfair and to redispute this issue because as a consumer to a bank whom is insured FDIC am being failed by PNC. Stated that since a second redispute they will not offer provisional credit for for second disputes. I stated they never accommodated the initial dispute for provisional credit and they were rude. XX/XX/2019 I called and they denied my redispute. This now has placed a financial hardships and no resolution. PNC has not protected me or my money as a financial institution. I should not be at loss due to PNC feeling as their opinion not an error. Now I feel as though I am being discriminated and my rights are void. According to the policy PNC has {$0.00} member liability and 24/7 Fraud protection. I have been denied all of protection and policy and this is unfair and want to submit as a consumer. I have been with PNC for 4 years this is not protection. | ||||||
| 10/07/2022 | Yes |
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| Around XXXX XXXX XXXX XXXX XXXX XXXX XXXX transmission went out and we applied online through Our bank pnc mobile banking loan application process, when we done this we got a phone call as someone pretended to be a loan officer for pnc bank telling us we were approved XXXX but needed additional information from us to move forward. So we provided our personal details cause it was our only hope and our bank of multiple years. After doing so our online banking was hacked our bills got returned that were posted and cleared multiple weeks and then withdrew out of our accounts and making all our bills past due hit with return check fees and us to be out XXXX plus dollars. Our electric got shut off our vehicles almost repoed her car now has I am XXXX now behind on my truck. Bank claims it our faults when we only used their services, how did the scammer/hacker obtain my information to even know I applied pnc or banked with pnc. Pnc will not help us out will nit refund our money instead they have been rude closed our accounts and now have us in collections, since all this happened it made all my credit cards be backed out by fees and returned payments my credit to drop XXXX points and completely turn our lifes upside down and our money has never been returned. We cant apply or be approved for anything cause our credit is shot our bills are way past due and impossible to catch back up on. We cant provide for our XXXX kids fully as we wish now, we had to get food assistance go to food drives sleep in the dark and sell multiple personal items now from all of this. We keep praying things would change but pnc bank just brushed us off didnt care turned us into collections for the amount back which was technically our hard earned money our bill money and our lifes they just completely destroyed. They are amount make me lose my truck thats leased through XXXX XXXX I need to run my business and provide for my kids. | ||||||
| 10/23/2022 | Yes |
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| On XX/XX/XXXX I used the PNC bank owned and operated ATM at XXXX XXXX XXXX XXXX in XXXX PA and withdrew XXXX dollars. I do not live in the city and this is the last time I used this card. I do not use this card for any purchases and do not have it saved on my phone. On XX/XX/XXXX I was going to make a mobile deposit and noticed my account was lower than it shouldve been. I found a withdrawal of {$200.00} from the same arm location on XX/XX/XXXX. I was not in the city or the area on XX/XX/XXXX and the card was always on my person. I disputed this fraudulent withdrawal online on XX/XX/XXXX and called PNC on XX/XX/XXXX and notified the bank that I was likely a victim of a skimming attack. On XX/XX/XXXX a second withdrawal was made from my account for another {$200.00} at another PNC bank location ATM on XXXXXXXX XXXX XXXXXXXX On XX/XX/XXXX I was in XXXX Florida and my card was on my person. I have attempted to dispute this second fraudulent withdrawal multiple times starting on XX/XX/XXXX but the bank has not reinstated my funds. On XX/XX/XXXX I noticed a new second mobile phone number added to my account online, I called PNC and they could not tell me who or when someone added a mobile number to my account. I asked to close my account but the woman I talked to transferred me to a security specialist who told me to just change my online password. Clearly whoever skimmed my atm card is calling PNC pretending to be me and trying to circumvent security protocols to add their personal cellphone. Both fraudulent ATM withdrawals were at PNC bank ATMs and this in of itself is very suspicious pattern. Clearly whoever did this has an intimate knowledge of PNC bank ATMs and security protocols, and I can not be the only one who has been affected. The PNC rep I spoke with on XX/XX/XXXX told me I did not need to file a police report but I will do so now since I have not received my funds returned to my account. | ||||||
| 09/13/2022 | Yes |
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| In XX/XX/2021, my husband and I were struggling financially because of reduction in income, due to the Covid-19 pandemic. We contacted our bank PNC, and requested assistance with our HELOC. We were advised over the phone that we could take advantage of a forbearance program, lastly 3 months, which would temporarily cut our payments by 50 %. We elected to participate in the program over the phone. We did not get paperwork detailing the terms or possible negative consequences of the forebearance. We made our partical payments XXXX of 2021, and resumed normal payments in XXXX of 2021. After the forebearance period ended our drawing privledges on our HELOC were revolked. We were not aware this was a possible consequence of the temporary forebearance. I contacted PNC and they said we could apply to have the drawing privledges reinstated, we have applied twice and been denied. This signifcantly harmed us financially, we were counting on using the funds available from the HELOC to pay off high interest credit card bills. We also noticed our HELOC monthly payments were increasing, so we applied to " lock-in '' the rate as per our terms and conditions of our HELOC, only to be informed the loan was no longer eligible for a rate lock, and is no longer a HELOC, but is now a variable rate mortgage, without the option of a rate lock. This is absolutely devastating. We can not afford to pay the increased monthly payment. We would NEVER have agreed to the forebearance if we knew the full ramifications of doing so. We need access to the equity in our HELOC, and we NEVER agreed to have it converted to a variable rate mortgage! PNC took advantage of us, and did not fully inform us of what we were agreeing to, or the possible permanent, and profoundly negative consequences. I contacted PNC bank on XX/XX/XXXX to dicuss my concerns, and try to work towards a resolution, but I have been unsuccessful. Please help us. | ||||||
| 07/21/2017 | Yes |
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| PNC is engaged in systemic fraud regarding their credit card promotions and payment applications. I have been a long time customer with PNC, and up until know, have always praised their practices and customer service. After speaking with a member of their high level retail card specialist team, they confirmed they are engaging in illegal behavior. This issue is costing hundreds, if not thousands of dollars, from all of PNCs ' unsuspecting customer 's. PNC offers a balance transfer for their XXXX credit card, which on their website states : the minimum payment due is applied to the balance transfer while any remaining excess funds are applied to the highest APR balance. However, on my last statement, a month after accepting their balance transfer, they applied funds to my balance transfer ( muting the point of a balance transfer and their fee ) and then charged interest to my standard APR purchase balance. This is in direct violation of their terms, applied practices across other credit cards/banks and is flat out wrong going beyond negligence into fraud. To understand the math and their deceptive/fraud business practice : XXXX Statement : Balance-XXXX Min Due- XXXX 0 % Promo Balance- XXXX Paid/Credits : XXXX XXXX Statement : Balance- XXXX Interest Charged at 20.74 % - XXXX Min Due : XXXX 0 % Promo Balance : XXXX PNC literally charged a balance transfer fee and then applied funds fraudulently so they could assess interest. In one statement, PNC fraudulently assessed/charged almost {$120.00} in erroneous fees. As my payments should have been applied, there should have been no interest charged, the balance transfer rate should have only decreased by the minimum payment of {$87.00} to {$1700.00} with the remaining credits/payments reducing the purchase balance at the standard 20.74 % rate. Please help stop these illegal practices and the thousands of consumers who are being fraudulently stolen from. | ||||||
| 02/08/2023 | Yes |
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| The day before ( XX/XX/22 ) I was signing loan documents for a refinance, I received an email with wire instructions to send funds to escrow for closing. I thought that I would wire the money when I signed the loan documents on XX/XX/22. The email asked if I could wire on XX/XX/22 since Fed wire takes at least XXXX hours before it hits the escrow account. The email looked exactly like it was from the escrow company with the same Estimated Closing Statement. I failed to recognize that the email didn't come from my escrow agent and came from another person imitating my escrow agent. On XX/XX/22 I went to XXXX XXXX XXXX XXXX on my lunch break around XXXX and placed the wire. I was told that the wire transfer wouldn't happen until the next day ( XX/XX/22 ) since I missed the noon cutoff. The wire was officially place on Friday, XX/XX/22. I signed the loan documents on XX/XX/22 around XXXX. The notary gave me the wiring instructions that looked exactly like they came from the escrow company, and I told him that I already wired the money. He thought nothing of it, and we moved on signing the papers. XX/XX/22 was a bank holiday. On XX/XX/22, the escrow agent said that she hadn't received the wire transfer yet. I asked the bank to put a recall on the wire after I found out that it went to the wrong bank. Later in the afternoon, I found out that the email was fraudulent, and XXXX notified PNC Bank that the wire was fraudulent. PNC took no responsibility for accepting a wire transfer with the wrong account name, and said that there is nothing they can do. I realized that I made a mistake by not recognizing the fake email address, but PNC Bank made a bigger mistake by accepting the wire transfer with the wrong account name. I feel that there has to be some consumer protection here. If PNC Bank doesn't check the account name on a wire transfer, anyone can launder money. Isn't there any checks and balances? | ||||||
| 09/21/2021 | Yes |
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| I have attempted to correct the reporting history on a closed account I had with BVA compass on two occassions. The company originally agreed to correct it but now has refused to correct it, with the most recent being XX/XX/XXXX. The complaint is on acct # XXXX under XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX. At issue : this was a 36 month installment account which was paid in full and on time in XXXX of XXXX. Apparently one of the instalment payments was made 10 days past the due date and a fee was charged to the account. I was never made aware of this fee or knew it needed to be paid. When I got a notification from my monitoring service this account was 60 days past due I went into investigate and found they were showing the account still open and 60 days past due. I immediately paid the fee and contacted the company to explain no one had informed of this fee and I had indeed made every installment on time and certainly prior to being 30 days or more late. If they had notified me in anyway a fee was due, I would have also paid that. They agreed on the phone to remove it. When several weeks went by and it was still showing I called again and they said they would look into it and respond. On XX/XX/XXXX I received a letter in the mail saying they would not remove the 60 day deliquency despite me never actually being late and them agreeing on a phone call with me earlier, to remove it. If any of my installment payments were 30 days or more late, I wouldn't fight this. That was not the case, however, and the delinquency needs to be removed as it was never communicated to me that there was a late fee in the history that also needed to be paid. I can not pay, what I don't know about. I did however pay what I was contractually obligated to pay over the 36 month term. Please help me get BBVA Compass to do the right thing and remove this account from all 3 bureaus showing it was ever delinquent. | ||||||
| 11/13/2015 | Yes |
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| Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. I hope this is helpful and that you will be able to fulfill your economic plans in the future. | ||||||
| 11/01/2021 | Yes |
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| I filed a dispute on my account for a transaction in the amount of {$780.00} on XX/XX/XXXX. My claim was denied 4 times for bogus reasons. It wasnt until I filed a complaint with CFPB I was notified by BBVA by mail which is now PNC that they were investigating the claim & would issue a provisional credit & any fees assessed on the account would be credited it back to my checking account ending in XXXX once the claim was final. I noticed on the BBVA 3 fees were reversed. I called to inquire why only 3 fees were reversed since there were a remaining XXXX ; I was told the remaining XXXX fees for {$38.00} each would be credited back to my account once the claim was final. Since then they have found another way to defraud me in retaliation of my complaint to CFPB & have sent me another letter indicating they will be debiting my account for {$130.00}. Had this claim been processed on my original request I would have never been charged {$38.00} for any transactions because it wouldve have been well enough money to cover all of the debits that were presented. This has been discussed with several representatives who ensured that all of the fees would be refunded once the claim was final. The claim was finalized on XX/XX/XXXX. I called today XX/XX/XXXX to inquire about the letter, I was on hold for 1 hour & 30 minutes & was transferred four times. Finally a representative in what PNC calls core department, I was told theyre not refunding me any fees & theyre debiting my account an additional {$130.00}. In all I am still out of {$780.00}, including never receiving the merchandise purchase since XX/XX/XXXX & {$1000.00} in bank fees. They have even blocked my access to my BBVA app to review any bank statements, & communication letters. Each time I try to click on statements for both the PNC app, & the website, its buffering & will not allow me to view any transaction history. Its been this way for 26 days. | ||||||
| 07/21/2015 | Yes |
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| Our choir has had a checking account with the same bank for many years. The account was always set up to not charge us fees. We only keep a small amount of money in the account and there is very little activity on the account. Sometime last year the bank ( PNC XXXX did a large change and began charging a service charge on business account. Our account was only set up as a business account so that we could receive free checking. That was the arrangement made by the bank manager. We received no letter regarding this change. I have been told that PNC just included the information on the statement when they made the change. I do n't think this was proper notification for a change as significant as this. Our account has very little activity and the statements went to our president rather than the treasurer. We did not see the change on the statement. We would have asked for the account to be closed if we had known about the service charge. A {$14.00} service charge makes no sense for our account. I have been trying to work with PNC to ask them to reverse the charges since we are not a business and since our agreement with the bank has always been to not charge us a service charge. I keep getting transferred to other departments and when I do get a call and I call the individual back and leave a message they do n't call me back. The bank has always worked with us to offer a free checking account. I realize that the bank has changed ownership, but I feel that the agreement should be upheld. They made a XXXX change without taking into account our situation. I can even understand the mistake, but I feel that the bank should correct the situation. As taxpayers we have helped bail the banks out when they got in trouble. I think it is wrong for them to take advantage of us in this way. I am requesting that the bank reverse the service charges and notify the collection agency that this is not a valid debt. | ||||||
| 08/04/2021 | Yes |
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| I am a former Simple Bank customer, which transferred all customers to BBVA USA mobile banking in the summer of 2020. I called BBVA USA on XX/XX/XXXX to reverse overdraft fees for an erroneous credit card transaction. They did so and confirmed that overdraft protection was on my account. The next day, BBVA USA assessed two return check fees for automatic transfers of {$250.00} a piece citing " insufficient funds. '' The problem, however, was existing funds of at least {$400.00} were in my account the night of XX/XX/XXXX. In addition, overdraft protection was turned on that day to restore my account to the standard that Simple Bank once had. The customer service representative I spoke to confirmed that overdraft protection was on on his end, but that I would need to step into a physical branch to confirm the actual amount of overdraft protection. Despite this confirmation, for some reason, BBVA USA denied both automatic transfers rather than just on XX/XX/XXXX. More than sufficient funds entered the account the morning of XX/XX/XXXX to have satisfied any overdraft demand of around {$100.00}. Overdraft protection has been automatically on for Simple, but, somehow it was turned off when my account was transferred fully to BBVA USA mobile ( without my consent and as part of an automatic merger between the Simple Bank on-line platform and BBVA USA proper ). Overdraft protections were on XX/XX/XXXX after my first complaint, but this protection was not in operation when two new fees hit my account on XX/XX/XXXX. BBVA customer service tried to negotiate me into accepting one of the fees, claiming that an insufficient balance of {$60.00} existed, whereas a balance of at least {$400.00} actually existed for two separate automatic transfers of {$250.00} a piece. All consumers should be aware that BBVA USA plans to transfer these accounts to PNC. They do not have a consistent policy regarding. | ||||||
| 04/01/2022 | Yes |
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| I HAVE BEEN SUBJECTED TO APPROXIMATELY XXXX XXXX CHECK FEES BY PNC BANK IN CONNECTION WITH THE STANDARD OVERDRAFT SOLUTIONS. PNC IS DECEITFUL. I CAN NOT SURVIVE AND PUT FOOD ON MY TABLES BEING SUBJECTED TO PNC OUTRAGEOUS FEES AND I WILL RESEARCH OTHER BANKS TO TAKE MY {$2000.00} DOLLARS A MONTH TO. THE PROBLEM I AM GOING THROUGH IS THAT PNC WRONGLY HAS A DATE OF XX/XX/2022 MARKED ON MY CHECK & OVERDRAFT FEE ; BUT IN TRUE REALITY PNC DID NOT NOTIFY ME NOR PRESENT ANY PENDING TRANSACTIONS BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022. ADDITIONALLY THE PROBLEM IS I WAS PAID VIA DIRECT DEPOSIT AT XXXXXXXX XXXX XX/XX/2022 WHICH MEANS MY PENDING CHECK WAS MEANT TO BE SATISFIED. ADDITIONALLY THE PROBLEM IS THAT PNC IS IN VIOLATION OF THEIR OWN POSTED POLICY WHILE DECEIVING ME THE CUSTOMER. THE POLICY STATES THAT ONCE A CHARGE IS PRESENTED AND SHOULD BE PENDING FOR THE CUSTOMER TO SEE IT FOR STANDARD OVERDRAFT SOLUTIONS, SHALL HAVE UNTIL THE END OF THIS SAME DAY TO DEPOSIT FUNDS TO ZERO IN ORDER FOR THE CUSTOMER TO AVOID AN OVERDRAFT FEE ; THE TRUE REALITY IS THAT THEY ARE DECEIVING XXXX XXXX XXXX XXXX ME, NOT HAVING PRESENTED ANY CHECK TO MY ACCOUNT ON XX/XX/2022, NOT HAVING BEEN ANY PENDING TRANSACTIONS ON MY ACCOUNT BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022, NOT HAVING PROVIDED THE CUSTOMER WITH ANY REASONABLE METHOD TO RESTORE A BALANCE TO ZERO ON THE SAME DAY AS THE PRESENTMENT, AND A GENERAL CONSENSUS THAT PNC IS APPROVING EVERY SINGLE ACH AND BILL PAYMENT WITHOUT ANALYZING ANYTHING FOR THE HEALTH OF THE BANK NOR THE CUSTOMER. I HAVE CALLED PNC ON THE PHONE TO EXPLAIN THESE HORRIFIC DISCREPANCIES AND THE REPRESENTATIVES THAT I TALK TO DO NOT GRASP THE SEVERITY OF IT. I AM TAKING MY COMPLAINT TO THE GOVERNMENT BECAUSE OF THE SICKENING FACT THAT I WILL NOT HAVE ENOUGH FOOD ON MY TABLES DUE TO WRONGS SUBJECTED TO ME BY MY OWN BANK WHO DECEIVES ME ABOUT OVERDRAFT SOLUTIONS. | ||||||
| 05/18/2020 | Yes |
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| I am a student moving out and was selling furniture online ( Total price was {$180.00} ). I was contacted by an individual who was interested in buying the same. The buyer sent me money through her 'company financier ' in the form of an e-check, for {$890.00} which I deposited into my PNC bank account using the mobile deposit feature on XX/XX/2020. The amount of the deposited check was posted into my account on XX/XX/2020. The buyer then asked me to deduct the amount for my furniture ( {$180.00} ) and send the difference ( {$700.00} ) via XXXX to movers who would be picking up the furniture. The next day, XX/XX/2020, she told me that the initial movers had canceled and so sent me another check of {$750.00}, through the 'company financier ' to be sent to a new moving company. I again waited for this e-check to be deposited into my account, once the funds were in my PNC account, on XX/XX/2020, I sent the entire amount via XXXX to the second movers. On XX/XX/2020, the predecided day on which the movers were supposed to pick up the furniture, none showed up and I received an email from the buyer saying that she would no longer be buying the furniture. On XX/XX/2020, I was informed by PNC bank that the initially deposited check of {$890.00} was being returned. I was then again informed that the second check of {$750.00} was being returned as well. As a consequence of this, my bank account has also been overdrawn which is negatively affecting me. I had made the payments against these checks only after PNC made them available in my account which should have reflected that they were verified. As a student account holder, I would've expected PNC bank to be more vigilant about the activity before allowing funds to be present in the account. Due to this entire transaction, I have lost $ XXXX $ XXXX {$1600.00} which is incredibly difficult at this point in time and caused a grave inconvenience. | ||||||
| 09/05/2017 | Yes |
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| Good morning, I am one of PNC Bank 's Customers. I had a problem with PNC Bank ATM at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on 0XX/XX/XXXX. I tried to withdraw monies {$500.00} from the ATM, however the monies did n't dispense and my account was debited. On the screen of ATM said that my monies got retained. I called customer service, his name is XXXX, he told me that he filed the dispute and refund or credit my monies {$500.00} back at that time or the latest was the day after the incident. The next day, XXXX/XXXX/XXXX, I still did n't see the monies, I chatted with online customer service, her name is XXXX. She said that XXXX did n't file the dispute and she needed to file my dispute in order for me to get my monies back. XXXX did n't file the dispute either and somebody ( XXXX XXXX, customer service manager called and I told her everything. She filed the dispute on behalf of me. I did n't understand how bad the services from PNC Bank. My frustration has increased as I went to the branch directly where the ATM had a problem. I talked to branch manager XXXX XXXX XXXX, she told me that there 's nothing she can do to solve the problem as I have to wait for 10-45 business days to get my monies back otherwise I have to wait 45 business days per XXXX to get my monies back. I told her that I am a customer with other banks as well, when I had this issue, the other banks refunded my monies back right away ( at that same day ). I contacted the online customer service today XX/XX/XXXX for some information of PNC Bank 's President Director. XXXX, customer service online did n't want to give it to me instead telling me to wait for 10-45 business days. It 's really ridiculous. I do n't think this is a good service from the bank and the bank has violated my right. Please escalate this problem as soon as possible and have the bank refund the monies and all compensation that I have been through. Thanks | ||||||
| 03/16/2023 | Yes |
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| Hello, My complaint happened on XXXX, XX/XX/2023, after the XXXX XXXX XXXX hour at the PNC bank located at XXXX XXXX XXXX XXXX, XXXX, FL. I went to the drive through to cash a check, as I have an account with PNC and the check was written to me from a Realty company that also has an account with PNC. I was recently married and had not yet changed my name on my PNC account. However my State ID had been changed to reflect my married name and the check was written to me using my new married name. I presented the check, my ID, and my account information to the teller. I had asked that she cash and deposit the funds to my checking account. She returned and stated she could not cash and deposit the check because my last name was different that my account name. I then asked her to just cash the check from the realty account. She came back and said she can not cash the check either!!! I asked her why was there an issue cashing the check off of the account it was written from as my ID and the check had the exact same name. She refused, I asked to speak with a manager. The manager was unavailable. I was in the drive through line over half an hour trying to get a resolve. Finally, the teller stated she could cash the check " if '' I signed my name as it appeared on my account. I asked why would I do that because the check was not written to me using my old name and she didn't have to cash it using my account, use the account it was written from She refused and stated the manager was still unavailable.. I became frustrated and ask that she just return my check. I phoned PNC to make a complaint and was told I should receive a call within 24 hours. I went to a different PNC bank and was able to cash my check without an issue. I felt I was disrespected and mistreated. I don't feel anyone should be treated as such from one bank location to another. They should operate under the same procedures. | ||||||
| 05/17/2018 | Yes |
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| On XX/XX/XXXX I received a notice from the IRS dated XX/XX/XXXX proposing changes to my XX/XX/XXXX tax return as they received Cancellation of Debt from PNC Bank National Association. On XX/XX/XXXX I spent countless hours on numerous phone calls with PNC Bank about the XXXX. I was given the complete run around and told the loan was so old it was no longer in their system and could not access it or give me a copy of the XXXX. I feel PNC Bank dropped the ball and failed to comply with RESPA and the Fair Debt Collection Practices Act. Especially, since it was during the time of the mortgage crisis. The XXXX that was issued is from a home equity loan that myself and my ex girlfriend XXXX XXXX XXXX took out that originated in XX/XX/XXXX for {$27000.00}, with XXXX XXXX XXXX, Doc # XXXX. XXXX and I ended the relationship in XX/XX/XXXX and I moved out of the subject property. XXXX continued living in the home with her new fianc and made no contact with me until XX/XX/XXXX asking that I give up interest in the subject property as she was now married and her and her Husband were both living in the home. I conveyed all interest in the Property via quit claim to XXXX XXXX XXXX. I signed the quitclaim Deed on XX/XX/XXXX. It was recorded XX/XX/XXXX in XXXX County, Document XXXX. After I received the notice from the IRS I was able to get copies of court documents within the last few weeks and found out that a Notice of Default and Election To Sell was recorded XX/XX/XXXX in XXXX County, Document # XXXX as XXXX defaulted on the mortgage loans in XX/XX/XXXX. The Trustees Sale occurred on XX/XX/XXXX in XXXX County, Recorded XX/XX/XXXX, Document XXXX, a forcible entry detainer was filed XX/XX/XXXX to evict XXXX from the home, and she filed a lawsuit on XX/XX/XXXX against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX for a wrongful foreclosure claim. The case was dismissed by the courts. | ||||||
| 12/08/2023 | Yes |
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| 5 years ago I opened a personal account with PNC Bank. I used this account for a solid 2 years and out of the blue PNC closed my accounts and sent me a check in the mail. I called them and they advised they had the right to close my account without a reason. Ever since that happened I have not been able to get approved for a checking account anywhere. I have called many times and they always advise that they don't have to provide me any information relating to the account or to why I am getting denied a account. Over the last two weeks I worked with PNC bank XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and she was helping me to open XXXX business accounts for my company XXXX XXXX XXXX. After a 3 hour meeting with XXXX this week she was able to open the accounts. The next day those accounts were closed by PNC. I then called customer service and they advised me that I would need to see XXXX the bank XXXX to explain what is going on. I now have been emailing XXXX for XXXX days back and forth and she has advised me that I need to transfer all my businesses to my husbands name so he can open an account with them. I asked why and what is going on to make PNC not let me open an account with them via XXXX or XXXX. She is unable to provide any information about the denial. My concerns are did PNC open a extra account in my name to boost numbers and that account was used by a worker and was closed and this is why I cant get accounts with PNC or any other bank? Or is it based on my heritage that I am part XXXX? I just want a clear answer to what is going on to cause all of this. I never had any issues with banks until I had a PNC account. I am worried that PNC has maybe leaked my information or ruined my changes with ever getting a bank account now. I never had any charge off accounts or anything negative. Please advise on what I should do and if I should pursue legal help. | ||||||
| 10/09/2023 | Yes |
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| I did a bank transfer online from my checking account to my credit card account with PNC bank on XX/XX/2023 for {$200.00}. Upon completion my online transaction was complete and had posted. I checked my account a few days later the payment was not there as if it were never made. I contacted PNC by phone. I was told that on their end no payment was posted. I told them repeatedly that it was there. I did not write the transaction number down nor did I make a copy. I should have since I have had numerous issues with this institution. I was told it would be sent to the resolution department that handles online transactions only. Finally I heard from XXXX after several missed attempts to reach back her number XXXX. I explained what happened again. I was told that I was assigned a case XXXX XXXX her number XXXX. I never did speak with her. She never returned any of my calls. I left numerous messages. Finally after several days I spoke with XXXX XXXX XXXX. Explained my issue again. I was told that there was no transaction made and that no payment had been made since XXXX of 2023. I said that is not true. I made a {$200.00} payment XX/XX/2023. I did contact the BBB. No resolution there because the bank refused to come to an agreement. The BBB did give me the contact information for XXXX of the Comptroller of the Currency. Put my complaint in with them. I received notice from them stating that my complaint could not be handled by them. I was given your contact information to put in my complaint. I have been trying to resolve this since XXXX of 2023. I want PNC to waive this {$200.00} minus late fees that are piling up. At this point my account is almost {$3000.00} in the negative. I have not made a payment toward this account until it is resolved. I want PNC to close my credit card account with them. I will agree to pay {$1000.00}. in installments. I pray you can be of some assistance. Thank you. | ||||||
| 05/29/2023 | Yes |
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Web | Older American, Servicemember |
| Several times I deposit funds, both checks and cash, the the ATM at the PNC bank. On several occasions the machine would malfunction but give the cash and/or checks back. Then on one occasion two months ago I tried to deposit cash and checks at the ATM. The ATM errored out, a message said to contact the branch the next business day and the ATM kept all the checks with no deposit record. When I contacted the branch I was told that ATM 's are serviced by an independent company and that company had to retrieve the checks. After two days I was told that the checks could not be recovered and that I had to contact ALL the check owners and have them reissue checks. This is unacceptable. Never was I told or is there in any written warning from the Bank that checks OR cash deposited at the ATM could be lost or destroyed. I called PNC corporate and was told the same thing that the ATMs are serviced by an independent company. This is an unacceptable practice. Had I deposited cash where the ATM did not give me credit for the cash then I have no way of proving how much the ATM kept. Also, the branch said that the " servicing company '' would know because the cash balance would be out of balance ... ..this is assuming that the " serving company '' can be trusted. My complaint is that PNC should send out disclaimers specifically addressing the issue of using ATMs to deposit cash or checks and that the cash or checks could possibly be not credited to the account and therefore lost. I believe that the BANK should be servicing their own ATMs and NOT some other company. Also, telling me that I had to get the writers of the checks to reissue those checks is unacceptable. Where did those checks go? Why was the " servicing company '' unable to recover them? This is unacceptable on many levels. I have since stopped using the ATM and am actively looking for a new bank to do our banking business. | ||||||
| 02/22/2019 | Yes |
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| Unbeknown to me, my PNC checking account was compromised by some individual, that we don't know, using a mobile application to cash multiple unauthorized or fraudulent checks. Immediately upon learning of this theft on XX/XX/XXXX, the bank was notified in person the very next day, since the customer service center was already closed. PNC explained not to worry that they would take care of this theft and refund our money. I walked away relieved! Fast forward to XXXX, the theft claim was denied because we reported the fraud 30 days after the first occurrence. Unfortunately, we had no idea unauthorized checks were being processed by PNC since we mostly use ATM, ACH or cash/balances for transactions. The thief started cashing unauthorized fake checks in small amounts to avoid suspicion - sadly it worked. PNC should have a noticed the high increase of checks being processed since as noted earlier, I use maybe 2-3 check per month. We were not notified of this unusual activity. PNC has copies of the all fake checks with clear false signatures. This individual knew how to easily compromise a checking account and steal money from PNC. Worse yet, they will do it again if not stopped by the authorities ... While it is ultimately the consumers duty to maintain the health of their checking accounts, whether high or low balances, I trust PNC or any other bank for one main reason - to keep my money safe from thieves. I have been a loyal PNC customer in good standing, for at least 10 years if not more, and also still have a money market account with them. Yet some of the recent conversations with PNC staff regarding this blatant check fraud, were questioning of my character and honesty. At this time, we have filed an appeal with PNC requesting all my stolen funds be returned to my account. Any assistance or guidance CFPB can provide will be greatly appreciated. Thank you. XX/XX/XXXX 2019 | ||||||
| 12/05/2018 | Yes |
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Web | Servicemember |
| Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00} | ||||||
| 01/20/2021 | Yes |
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Web | Servicemember |
| PNC BANK N.A . is criminally liable an has willfully and knowing 15 USC 1611 ( 1 ) broke federal laws by unauthorized use of my credit card 15 USC 1602 ( p ) because I never benefited from the consumer credit transaction 15 USC 1602 ( i ) I initiated with PNC BANK N.A . during initial communication it was never disclose that this is an attempt to collect a debt. All shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692c ( c ) by calling me after receiving cease and desist through the mail on XX/XX/2020 and receiving a CFPB Complaint portal on XX/XX/2020 admitted to the actions which is a violation of federal law shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692b ( 2 ) stating that me the consumer and natural person owes a debt which violates federal law by an agent from PNC BANK N.A . admitted to the actions in writing which is a violation of federal law shown in exhibits. In exhibits shows how PNC BANK N.A . are criminally liable for their action violating 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am the cardholder 15 USC 1602 ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Allowed PNC BANK N.A . to use my Social security card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Shown in exhibit how PNC BANK N.A . only benefits from the consumer credit transaction by collecting on a debt that is not owed by the consumer natural person. | ||||||
| 01/13/2017 | Yes |
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Web | Older American |
| I have a line of credit with PHC Bank and on XXXX XXXX, i went on line and submitted a {$300.00} payment from my checking account to my XXXX line of credit. I made a mistake and submitted to an account ending in XXXX. I called the bank on XXXX XXXX and was told that yes they received the payment and it was posted to loan account XXXX and it would take XXXX working days to make the correction and redirect the payment to my visa line of credit. I have called several times and was told they could not find an account ending in XXXX. I called again today and after speaking to the credit department loan department and someone in customer service I was told that it would take 10 days for them to research, find the payment and credit to my lline of credit. I told them this would probably cause them to charge me additional late fee and interest on the payment. They indicated that since it was my fault by posting to the wrong account that if extra fees were charged that was my problem. I then stated that I sent the payment XXXX XXXX and the payment was not due until XXXX XXXX that even though it was posted to the wrong account why would it take so long to correct to the proper account which is the line of credit. I asked was it because they can not locate the XXXX account where they said it was posted. I feel that I am getting the run-around and they can not locate the {$300.00} payment now even though I was told that it was posted to XXXX and now they say they can not find an account ending in XXXX Need your help in resolving this issue. Thanks XXXX XXXX My desired resolution is for PNC to locate {$300.00} payment, post to my account and not charge additional interest or late fee as I did get the payment to them on time and they should be more careful in looking at account numbers they should have realized that loan number XXXX had been closed for years so why post a payment to this account. | ||||||
| 07/19/2022 | Yes |
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| I matched with an individual on the dating app XXXX claiming to be someone who is in my local area and going to my local university. We began texting in which they then confided that they were actually XXXX. I did not immediately cut them off, messaging them that the situation was strange, feigning interest so I could let this person I perceived was real down easily when I would cut them off the following day. Instead, I got a text claiming that it was the individuals father and that they had gone through her phone following a XXXX breakdown and XXXX attempt and found our text messages, and were considering contacting authorities. Following my reply in which I stated I was interested in speaking with the authorities, I received a phone call that had the caller ID information of my local police department, down to the actual phone number used in non-emergency situations being listed as the phone number. The man on the other end of the line said they were with my local police department, and if I knew the individual in question, proceeding to tell me my actions in communicating with someone under XXXX was illegal. They then said if the family handled matters externally from the police department, and did not opt to file charges, then a warrant would be issued for my arrest. The phone call ended there. I then began texting the father of the individual I had matched with, who expressed that they would cover half of XXXX and XXXX costs in exchange for me covering the other half, and they would not press charges if that occurred. I was then once again contacted by the police who reiterated that if I did not handle things with the family, I would have a warrant issued. After that phone call ended, and now that I was sufficiently panicked, I sent money via XXXX to the email address they provided, with the last message I received from them being a message declaring they received my money. | ||||||
| 07/28/2016 | Yes |
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| A few months ago, I had an overdraw on my checking account at PNC bank. I filed a complaint to the bank saying that I rarely overdraw and if there was any possible way I could be reimbursed for the overdraft. While I was waiting for an answer back, they added another charge on the account for the overdraft even though my complaint was not answered. Finally, an employee got back to me about my overdraft case via telephone, but the line got disconnected, and the man never called me back. From what I have gathered by contacting PNC multiple times to resolve this problem is, this man decided that the charges on my account were valid and would not give me a refund. He did not explain this to me or have the decency to call me back, and every time I tried to get this problem resolved they said there was nothing they could do because the man I spoke to already made the decision to not reinstate the funds. I was charged with over 100 dollars in banking fees because of this issue. I have called the company to complain about the issue, which the representative told me she would file a complaint about the disconnected call and how the man never called me back, but I never heard from them again. Furthermore, when I started the account the PNC employee that set up my account gave me the most expensive checking account, claiming it was free because I have a mortgage with them as well. When I sold the house and no longer had a mortgage through this bank, they then began charging me banking fees. I went into the branch twice to switch my account to a student checking account or a basic one, and each time they told they would, yet they never did and I was still charged the same monthly banking fee. I have since canceled my account because of the extremely poor customer service. I also tried to retrieve the banking statements from the month of the overdrafts, but my account login does not work now. | ||||||
| 05/17/2022 | Yes |
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| On XXXX XXXX. 2022, I called XXXX XXXX support because of a problem with my computer. The first agent said he needed to transfer me to another agent. The second agent worked on my computer remotely and said I needed a XXXX upgrade which cost {$290.00} which was good for 2 years and then I would have to pay again. I gave him my PNC Bank credit card info for the service. I went into my account and noticed a {$300.00} charge to XXXX and 2- {$100.00} XXXX XXXX cards which I didn't recognize. I was having the same problem with my computer so I called XXXX XXXX and told them my computer wasn't fixed and told him about what had happened previously. He said that my XXXX XXXX XXXX with XXXX XXXX covered their services and I should not have been charged and he fixed my computer. I then called PNC and told them to cancel my card and issue a new one and told them about the fraudulent charges. PNC went back and forth on relieving me of responsibility for the charges. At first they took off the 2- {$100.00} charges, but not the {$300.00} charge. I called them and and got them to take off the {$300.00} charge. Then it showed back up on my next statement and I called again. They said it was under review and they would contact me. They sent a letter saying that they weren't going to relieve me of responsibility of the {$300.00} charge. They said they needed more evidence. I had made a report about the fraud to XXXX XXXX the day after when I called about my computer not being repaired. Since that time, I have called XXXX XXXX approximately a dozen or more times trying to get the report or have them take responsibility and no one will send me the report that they took or let me speak to anyone about fraud. I have also went to XXXX XXXX 's online forum and got similar responses. No one will accept responsibility. I would like PNC Bank to be held responsible for fraudulent charges to their bank cards. | ||||||
| 12/11/2023 | Yes |
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Web | Older American |
| I signed a loan modification in XX/XX/ on a home equity loan I had had for almost 20 years. In late XXXX of XXXX my loan payment was withdrawn but lost in a direct debit error at PNC Bank. I provided proof of transfer from my primary bank account at XXXX XXXX for {$1700.00}, my regular monthly payment. It took 6 weeks for PNC Bank to track the missing payment. Meanwhile while still searching my account became delinquent. At 31 days delinquent on XX/XX/2023, I was sent to preforeclosure. When I addressed this issue with XXXX from PNC Loss Mitigation he knew nothing about the missing payment, or that my loan was even restructured. He requested the full amount past due on the previous loan {$12000.00}. This is why the loan was restructured- A higher monthly payment for two years. When I contacted the monthly servicer of my loan, XXXX. the one who lost the payment ( XXXX XXXX ) she knew nothing about the foreclosure. I also was not getting a financial statement each month on this new account. The error by PNC Bank and their subsequent woeful unfamiliarity with my loan is astounding. The incompetence of the loan servicer who lost the payment and XXXX from lost mitigations and bold disregard for my concerns and the history of this loan is reprehensible. If I had just been allowed to pay the new monthly payment with any delinquencies the cost would have been a fifth of the demand amount loss mitigation required. My attorney is in the process of preparing a lawsuit against PNC Bank and their loss mitigation department. Lastly, when PNC Bank 's internal affairs division contacted me, the representative from that department was told by XXXX from loss mitigation to and I quote, " to stay out of it! '' Please address this complaint as they are two weeks from filing a foreclosure proceeding on my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You, XXXX XXXX XXXX | ||||||
| 04/03/2015 | Yes |
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| On or about XXXX XXXX, 2015 I had a teller assist me in closing my checking account. On XXXX XXXX, 2015 I determined PNC had accepted an automatic deposit on my behalf. I returned to the bank and spoke with XXXX XXXX. He zeroed the account and " closed '' it. On XXXX XXXX, 2015, I determined that PNC had once again accepted a deposit on my behalf and had also returned an automatic debit on my account as Non Suffic ient funds as opposed to " closed account ''. On XXXX XXXX, 2015, I went to the bank and again spoke with XXXX XXXX, explaining I needed PNC to reject the automatic deposit so the deposit would default to a different account. XXXX XXXX entered into the system a No Debit or XXXX to the account. He also agreed to refund XXXX of the XXXX service fees. XXXX XXXX stated he would need his manager, XXXX XXXX, to authorize the refund and did not foresee any problems. I left PNC believing the issue was resolved. Later that day, XXXX XXXX telephoned me and stated XXXX XXXX would not authorize the refund of the service fee. After speaking with XXXX XXXX, I contacted the office of the Comptroller of the Currency, U.S. Department of the Treasury. The representative referred me to the Consumer Financial Protection Bureau. I spoke with a representative of CFPB and determined I should file a complaint. On XXXX XXXX, 2015 I informed XXXX XXXX of my intent to file a complaint if the issue was not resolved. XXXX XXXX said he would once again talk with XXXX XXXX on my behalf. He telephoned later and stated XXXX XXXX would not authorize the transaction. It is my understanding a closed account means no transactions to the account. If I am incorrect in my understanding, I would like someone to explain to me the definition of a closed account. If I am correct in my understanding, I would like to know why items were posted as NSF as opposed to Closed Account and have the service fees refunded. | ||||||
| 12/02/2021 | Yes |
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| PNC has committed fraud towards me and in regards to my HELOC Home Equity Line of Credit. The interest rate they charge is contingent on several factors. One of them being that I receive a 1 % reduction in rate if I pull $ 30k from the line and carry the balance for at least 3 billing cycles. Right when my HELOC closed, I called in on XX/XX/XXXX at XXXX and spoke to XXXX XXXX on a recorded line ) who was very helpful. She confirmed the promotion of 1 % discount on rate for a $ 30k pull. She actually even completed the transaction for me over the phone, pulling the $ 30k from the line and transferring it to my bank account. She also confirmed if I kept the $ 30k balance through XX/XX/XXXX, I would automatically receive the 1 % discount. I ended up pulling more money out and then noticed by XXXX that I did not receive my earned discounted rate. I called in to PNC, they promised a quick response ( they never got back to me and I had to follow up twice ), and then I received a letter in the mail. The letter said " At the time the loan was closed, the promotion regarding a discount for withdrawing $ 30k or more, was not active, as it ended on XXXX XXXX. The current promotion is for a draw of $ 50k or more, to qualify for the 1 % discount ... ''. First off, I didn't even apply for the HELOC until XXXX of XXXX, so why would they offer me the promotion if it ended 6 months prior. Also why would customer service know about it when I called in right after my loan closed, confirmed it and help me make my $ 30k transfer ( please go back to the recorded line on XX/XX/XXXX, case # XXXX ). Furthermore, I have pulled out in excess of $ 50k as of XX/XX/XXXX. So even if your " Current Promotion '' is $ 50k, I still met and exceeded that marker and you are still arguing with me and not honoring the obviously valid promotion ( s ). I want my 1 % reduction in rate that I was sold on and promised. | ||||||
| 08/04/2015 | Yes |
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| Over the past year I have witnessed multiple situations where PNC Bank took liberties to manage my transactions in a manner that gave them car-blanch to assess " Over Draft '' charges to my checking account. Up to this point I accepted the bank errors. That is going to change. On XXXX/XXXX/15 I reviewed my account to find that I received XXXX over draft charges of {$35.00} to the sum of {$70.00} in debits to my account. The charges made no sense to me. Per my online banking statement I had a close of business balance of {$38.00} as of XXXX/XXXX/15 and no new Posted transactions to my account for XXXX/XXXX/15. My ending balance on XXXX/XXXX/15 was {$400.00}. I had XXXX transactions post to my account on XXXX/XXXX/15. A deposit for {$74.00}. and XXXX debits totaling {$440.00}. I had XXXX items in Pending Transactions totaling {$140.00}. After speaking with PNC representatives the explanation to my over drafts are that PNC took liberties and applied XXXX transactions that are being held in my Pending transactions to my Posted transactions. I was told there is a difference between a Firm hold and a soft Hold. I was told that the online banking system is not as accurate as the banks accounting system. I was told that I was incorrect and that I must be wrong because I have had over drafts in the past and my past history dictates that I am wrong. Basic accounting principles prove that I am right along with basic math principles. After speaking with XXXX agents from PNC I am under the impression that PNC is without question breaking some sort of law in an attempt to force over draft charges onto its customers. Very similar to when they received a XXXX XXXX dollar judgement to pay back moneys they gathered through over draft charges. I have screen shots and documentation to support my claim. Not one PNC representative can justify or show a ledger that conflicts with my documentation. | ||||||
| 12/02/2022 | Yes |
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Web | Older American |
| I wrote a check, check number XXXX to be exact, from my PNC Bank Account on XX/XX/XXXX for {$15000.00} to the XXXX XXXX XXXX XXXX to pay taxes owed to the IRS. The check cleared PNC Bank on XX/XX/XXXX, but the IRS says that they can not find the money in their accounts. They first asked for a copy of the check written, both front and back, and then they also asked for my XX/XX/XXXX Bank Statement, which clearly shows the check clearing my account on XX/XX/XXXX. I have sent them copies of the check and my statement on two different occasions. I have also spoken on the phone to IRS agents on 2 separate occasions, and they said that they can not trace the check from the series of numbers that are on the back of the check. The last agent I talked with told me to have my local bank give me proof of where the funds went to by doing a tracing, and that once I have the tracing, to call back to the IRS and fax them the proof. I have asked my local PNC branch XXXX, XXXX, two different times, at the beginning and also the middle of XXXX, to do a tracing on my check, # XXXX, to the IRS, as per their request. He called down to ask them to do the tracing and they said they would mail it out to me, but I have never received anything. When I called and talked to the XXXX on XX/XX/XXXX, he said he would look into it and get back to me the same day, but never did, and one week later, he still has not called back. He seemed reluctant to do anything more to get the tracing done for me and was not even sure if PNC could even do a tracing on the check. All I am asking is to get proof of where the {$15000.00} from the check I wrote exactly went to, in order to prove that the IRS received the funds. Please help me because I only have 10 more days to respond to the IRS letter, and in the mean time penalties and interest are accumulating on the original {$15000.00}. Thank you for your help, XXXX XXXX | ||||||
| 03/29/2018 | Yes |
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Web | Servicemember |
| Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX years old and had been in a XXXX XXXX. She then XXXX XXXX from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX and there were No assets. The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization. This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX from a XXXX. Her second one shortly after reading letters from PNC. We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication. | ||||||
| 01/02/2018 | Yes |
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| Purchased my home in XX/XX/XXXX with XXXX XXXX XXXX XXXX who sold my mortgage to PNC. Previously worked as a XXXX and paid all my mortgages on time. I lost that job and accepted another job as as XXXX which did not pay as much. Contacted PNC who informed me that I should not pay for 3 months to qualify for a homeowner modification. I was given a trial period of 3 months and I paid for the 3 months prior to them approving the modification. I paid the modification for several years ( XXXX ) when suddenly PNC decided to return all my mortgage che is ( after mine had been cashed ). I did not cash any of their checks that have been returned and they have stacked up to XXXX. They have since sent me a letter they are going to foreclose on the home and I have decided to file bankruptcy to protect myself against PNC which has since ruined my credit. I have since receive a letter from PNC stating they are going to court to sell the house on XX/XX/XXXX and I have now decided to join a class action lawsuit as I have paid thousands of dollars in attorney fees and no results from local attorney General and courts. Updated on XX/XX/XXXX : This is a follow up from my prior complaint regarding PNC mortgage. PNC foreclosed on my prior account while I was paying my mortgage and has handed my home over for renting to a company out of Utah called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Buyers beware. Do not take out a mortgage with PNC mortgage!!! If you have been ripped off the way I have and not obtaining local help from your local courts and politicians seek class action! This ca n't be legal. Updated XX/XX/XXXX : PNC left me homeless for the holidays and for the XXXX XXXX. This complaint is also posted at Consumer Affairs but is now being censored but the public has the right to know the truth about such unlawful acts and individuals who think the law does not apply to them. | ||||||
| 12/09/2022 | Yes |
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Web | Servicemember |
| I was about to make a purchase via XXXX for {$4.00} each for XXXX face cream products. After I read that I would be automatically billed monthly for {$79.00} I IMMEDIATELY closed the window, closed XXXX, and did NOT complete the transaction. Later I see XXXX charges from this company for {$120.00} and {$120.00}. I called PNC and they canceled my debit card, filed a fraud claim, and refunded my money. Then they reversed their decision and paid the criminals, taking the money out of my account again. I called again XX/XX/2022 and spoke with a supervisor who said not to worry, that I did not authorize the purchase, I never received any product, I filed fraud immediately when it happened, and notified my bank. My money was once again returned to my account from PNC, and I thought it was all taken care of. Come XX/XX/2022 PNC once again reversed their decision and took MY MONEY out of my checking and paid the criminals for stealing my money. I noticed the reversal and called thr bank on XXXX XXXX weekend and told I could leave a msg with the fraud dept. A supervisor did call me back, told me she would look into this nonsense and told me that she had seen a lot of fraud like this claiming people had actually made a purchase when they in fact never hit the final purchase button. This PNC fraud supervisor told me its a click bait, that they record my keys so even when i backed out and never made the final purchase button that they STOLE my financial info and illegally made a purchase stealing my money! She went on to say that in my case they could not reach the company by phone as it was fake, they had a bogus website, and did not reply to their inquiries. When I called approximately XXXX XXXX I was told that the time to file a claim had passed. Ah no it hasn't, this is the SAME FRAUD CLAIM, not a new claim! I want these crooks punished and stopped from robbing poor people like me! | ||||||
| 08/07/2018 | Yes |
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| On Thursday, XX/XX/XXXX, my husband and I were out on a date night around XXXX XXXX where I pulled up my account and saw I had about 60 dollars in there. Then at XXXXnight, my direct deposit from work came through. The next morning I woke up to find two seperate overdraft fees for two withdrawals that had apparently come through between XXXX and XXXXnight. While I understand what an overdraft fee is and take responsibility for the fact that I had not realized a check I had written would be coming through, I find it completely unfair and sickening that these transactions would be posted at XXXX at night, just minutes before my pay check was deposited, and cause me to have XXXX dollars in overdraft fees. In addition, I find it completely suspicious that the transaction with the higher amount, which was a check for XXXX dollars, was posted first followed by a smaller transaction for only XXXX dollars that would not have caused an overdraft fee because I had 60 dollars in my account. If PNC would have refunds even just the one fee, I would have been okay with it. Instead they were rude and condescending and refused to budge on the fees, even after I broke down in tears telling them I couldnt afford to buy groceries this week now. We have been customers of PNC for 15+ years ... its just sickening that they are so okay with losing us as customers that they will let us go for XXXX dollars. The other thing that is completely upsetting is that last summer, we had around 20,000 dollars in our account, and we were getting frequent calls from PNC offering us all sorts of incentives and asking if there was anything they could do for us. Sad that while we are going through a difficult time financially, we get punished and ignored. I am cancelling my account but just felt compelled to file a complaint because Ive been sick to my stomach after speaking with customer service earlier today. | ||||||
| 09/11/2018 | Yes |
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| I had a deposit come through to my account for {$800.00} ( my account was prior negative {$260.00} ) and several debit transactions followed. The credit of {$800.00} shows that it was applied to the account followed by the debits ; However I was still charged overdraft fees for each item that posted after the deposit/credit ( 3 fees total ). When contacted the bank ( PNC ) I was told that it was deposited yesterday but they held the funds until this morning. I was told prior that credits post before debits. so if my act is negative $ XXXX and a {$800.00} deposit comes in my balance should then be {$540.00} and the remaining debits should then come out. Even though this is what shows how the transactions processed I was still charged over draft fees. When I went in yesterday to ask the bank about this they told me the deposit probably wouldn't be available until 2 or 3 in the morning- it is a Reg CC Funds Availability that funds have to be available the start of the business day they are available at XXXX XXXX. I feel like they held my funds unnecessarily and cost me {$100.00} in fees for no reason. In the last week, I have also had checks clearing my account same business day. I work at a bank and know this is virtually impossible unless the check is cashed at the bank it is being drawn from. Off the bank endorsements on the back of these checks- this is not the case. I was told at time of opening the account that I have until the end of the business day to make it positive if it goes negative. I will go to sleep with no checks clearing the account ( with checking it at XXXX XXXX ) and will wake up with a check clearing the account with yesterdays date. How can a check clear same day but it wasn't showing on the account earlier? How can I bring money in to bring the account positive if you are putting a past date on it? I feel like PNC is violation Reg CC and Reg E. | ||||||
| 02/06/2018 | Yes |
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| This is second complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. | ||||||
| 08/31/2023 | Yes |
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| I am a XXXX mother and a minority owner of a business that I founded in XXXX. The journey has been one of determination and hard work. However, the challenges that came with the XXXX pandemic hit my business hard. In the past year, I've found myself in an ongoing struggle to keep the business afloat, facing numerous obstacles along the way. As a result of these difficulties, my business account has been teetering on the edge, maintaining an average monthly balance between {$1000.00} and {$2000.00}. Last month, unfortunately, my account dipped below the required limit, resulting in the imposition of two fees totaling {$72.00}. While {$72.00} might not appear substantial to some, for individuals like me, facing economic uncertainties, every dollar counts, particularly during these trying times. Hoping for a resolution, I contacted PNC Bank to discuss the possibility of a fee refund. Regrettably, their response was not as empathetic as I had hoped. The situation highlights the unfairness that many individuals encounter in their interactions with financial institutions. Often, we find ourselves in positions where we are not fully informed about avoiding overdraft fees or utilizing available alerts that could help us sidestep such financial setbacks. It's my belief that financial institutions should take greater responsibility in ensuring their customers ' financial well-being. They should provide transparent information on how to prevent these fees and offer clear guidance on setting up alerts to prevent inadvertent overdrafts. Such practices would foster a more supportive and mutually beneficial relationship between banks and their customers, especially during these challenging times. I understand the crucial role that the CFPB plays, which is why I felt compelled to express my concern. I am hopeful for a timely resolution to address the issue at hand. Thank you! | ||||||
| 05/23/2018 | Yes |
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| I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned. | ||||||
| 06/21/2017 | Yes |
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| On XX/XX/XXXX I had 2 deposits of XXXX deposited into my account from XXXX XXXX. One of the deposits was received at XXXX and the other was received at XXXX. At the time I checked my online banking I had a balance of XXXX dollars and some change both transactions of XXXX were pending on my online account as of XX/XX/XXXX. Those deposits paid for pending transactions of XXXX dollars for XXXX and XXXX for XXXX that was going to post by XXXX on XX/XX/XXXX. I made a payment of XXXX to XXXX XXXX and deposited XXXX cash into the atm to cover that bill tgat will post on XX/XX/XXXX. Everything was on point so I would n't receive any overdraft fees. On XX/XX/XXXX i checked my online account I see that I am overdrawn by XXXX dollars and some change. I looked at my account online to see how can that be with all the deposits I made. I noticed that pnc bank was only showing one deposit of XXXX when it was showing two on XX/XX/XXXX. I called the bank XXXX number and was told there was nothing she can do because she only see one deposit pending. Yesterday it was two I had all bills covered without anything showing negative so what happened to the other deposit of XXXX that was pending also .I have another check coming in on theXX/XX/XXXX for XXXX that is going to bounce because I 'm overdrawn cause somehow pnc claims they do n't see the other deposit of XXXX. More fees will be added for some glitch on pnc end. I called XXXX XXXX they sent me confirmation that both deposits of XXXX were sent to my account on XX/XX/XXXX. I went to the bank and made a complaint because pnc claim it 's not on there end but I have transaction numbers from XXXX XXXX that show there wad two deposits. The complaint number is XXXX for pnc bank that was put in by XXXX XXXX at the XXXX branch XXXX XXXX XXXX XXXX. I do not have extra money to clear up the fees that were added because of your error of my deposits. | ||||||
| 06/16/2018 | Yes |
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| On XX/XX/2018, I opened a checking account and a savings account at PNC Bank on XXXX XXXX. in XXXX XXXX section of XXXX, PA. I deposited 2 checks from my former employer drawn from their XXXX XXXX XXXX business account. My former employer is a nationwide company with more than 10, 000 employees. XXXX XXXX was the banking professional who open my accounts. I informed XXXX XXXX that I will need to have access to at least {$100.00} that day or I will need to explore other options. XXXX XXXX assured me that I would have access to at least {$100.00} by XXXX that night. At XXXX that night I did not have access to any funds that I deposited. Also, I did not have access to the online banking system as a result of not receiving adequate information regarding the " User ID Link ''. Which is a substitute for the Customer 's SS Number. The next morning, Thursday, XX/XX/XXXX, I contacted the Help Desk and I was informed of some special code to use which was not in my documents. I then called XXXX XXXX and he informed me that I had {$200.00} available in my checking account and {$200.00} available in my savings account. I verified this information by checking the online banking system. In that moment I attempted to pay my cell phone bill and the payment was declined. I then called the customer service were I was met with the worst customer service I've ever experienced. I was told that a hold was placed on my accounts. I informed them of the information the branch and the online banking was reporting. So in a matter of 15 minutes I went from having access to {$400.00} of the more than {$18000.00} I deposited to having access to {$0.00}. Also the hold time went from 5 to 7 days to now I will have access to my funds on XX/XX/XXXX after I informed the bank that I will be closing my account. The manner in which the access and holds were escalated appear to be retaliatory in nature. | ||||||
| 10/22/2015 | Yes |
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| I am the executrix of my mother 's estate. She died 18 months ago. She has XXXX accounts at XXXX. I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent XXXX hours and XXXX minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the XXXX hours and XXXX minutes I had contact with XXXX people and total conversation with each was about XXXX minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information. | ||||||
| 11/29/2021 | Yes |
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Web | Older American |
| None of the afore mentioned categories describe the scope of my problem. BBVA Compass was bought out by PNC in early XXXX. I had enjoyed on line banking through my secure accounting firm XXXX XXXX XXXX with XXXX accounts : Household, XXXX XXXX, personal/trust and one credit card and one debit card. When the change occurred, I was no longer able to access my accounts on line from PNC. I have spent countless hours with XXXX XXXX, my former wonderful BBVA Compass banker and now agent with PNC, on the phone in her office with PNC officials. We have begged and pleaded. I have signed papers that were supposed to get my accounts on line. After TWO MONTHS, I still can not access my accounts. BUT IT IS WORSE ... XXXX weekend, I got a call from a third party in XXXX who banks with Compass/PNC in their branch. She had access to ALL MY ACCOUNTS on her XXXX!! She had numbers, bank balances, transactions. She could access all my accounts and I could not. It is a COMPLETE BREACH OF SECURITY of my accounts. When later, I finally got a statement of my credit card charges, there were a number of charges that weren't mine. I had to cancel the card. Evidently with my accounts on line, I got hacked. Two months later, I still can not access my accounts. I am beside myself. I have spend hours, had two branch managers trying to help... .and STILL NOTHING. These people violated my right of privacy, have caused me countless hours of accounting bills and should not be in the banking business. In one phone call from and XXXX XXXX XXXX weekend who works for PNC corporate, he was rude, flippant and sent me on a wild goose chase to the bank to sign papers that didn't resolve anything. I now hear absolutely nothing. I have no assurance anyone is even thinking about my situation. Poor XXXX XXXX practically cries when I show up at the bank because she feels so badly that she can't help my situation. | ||||||
| 11/15/2019 | Yes |
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| Today is XX/XX/XXXX. It has been a week since PNC Bank promised that a modification decision would be made. I am 48 business hours from the sale of my house on XX/XX/XXXX. This is the second time I have experienced going to the midnight hour with PNC. This is the same nightmare scenario that led to a currently pending Class Action federal case against XXXX XXXX XXXX ( dated as ofXX/XX/XXXX ) by he CFPB. PNC 's and XXXX XXXX policy handbook seems devoid in their understanding of the definition " Escalation of Sale Date ''. The Escalation with the Loss Mitigation department is apparently an empty title that is for appearances only and has no active proactive procedures to adequately resolve the complaint. PNC like XXXX has also failed to place the sale on hold. This kind of treatment is belligerent. This is the 21st century and regulatory practices demand full Transparency on best practices. This is a regulatory violation. Finally, am I the only customer that has voiced these PNC systemic violations? Or are there any other voices out there to say that " PNC failed miserably to adequately resolve Foreclose Sale complaints after the customer had provided all requested documentation ''? Without the strong arms of CFPB, FTC, and other State agency being vigilant, the playing field would be characterized as being unfair and stacked against the consumer in their dealing with big financial corporations like XXXX and PNC. It would be unjust for XXXX and XXXX XXXX ( now XXXX XXXX XXXX ) to have been penalized back then for their unfair practices. Only to let XXXX and PNC 's reckless and repeated bad behavior goes unpunished. As they have systematically and continuously violated best practices regulations regarding Foreclosure Sale complaints. These regulatory rules are designed to be fair for both companies and consumers. Any assistance would be much appreciated. | ||||||
| 01/21/2022 | Yes |
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| I was originally a customer of Simple Bank which announced that they were going to shut down in XX/XX/2021. During my entire relationship with Simple I specifically had my accounts set to NOT allow overdraft fees. This means that any attempts to overdraw my account were automatically rejected. As part of the shutdown of Simple, accounts were transferred to BBVA with the assurance that account features would be maintained, and it would be " business as usual. '' Shortly after my account was moved to BBVA, BBVA was sold to PNC. Throughout this time, due to account number changes automatic payments were attempted, but rejected from these bank accounts. While PNC did not pay these businesses that were trying to pull money from my account they started charging me fees, even though they did not have permission to do so. This resulted in the charge of {$180.00} in fees to my account. I attempted to work through several individuals at PNC to resolve this issue, first through their chat function with representative XXXX XXXX, and then eventually with XXXX XXXX in their Executive Client Representative department, but they never attempted to resolve the issue. Each and every time I emailed XXXX I received a " form email '' with the exact same information stating that " I have already begun researching your concerns and will respond to you as expeditiously as possible. '' I contact him numerous times throughout XXXX and XX/XX/2021 with the exact same response and no assistance. Finally I received notice that they had closed my account and then sent my account to collections to have me pay them their fees. Fees that I never agreed to as they transferred my account from bank acquisition to bank acquisition ( Simple, to BBVA, to PNC ). I very calmly and professionally tried to work with PNC to resolve this issue, but they did not attempt to assist me in good faith. Please help. | ||||||
| 06/16/2023 | Yes |
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| On XX/XX/2023 my husband sent an ACH transfer to my PNC account which was intended to become a joint account once I added him for our wedding savings. He transferred {$17000.00} to my account and it was never available.. none of it. PNC set it out to be fraud and they froze the account for A full month. We got no answers from anybody when calling or visiting the local branch. My husband had to personally message XXXX XXXX at the PA office through XXXX XXXX to tell him about the issue and the gross incompetence we had seen from the bankers. We were assigned to a lady named XXXX from executive client services. XXXX left us a voicemail on XX/XX/2023 telling us the funds had been returned. When we contacted XXXX XXXX XXXX NOTHING HAD BEEN RETURNED. We contacted XXXX XXXX YET AGAIN. And he moved the case to XXXX XXXX. XXXX gave us the same story. Except this time She transferred the money back to XXXX XXXX XXXXXXXX without telling us where it was going to and who she was in contact with.. we had to pull teeth to even get her to send us a tracing number which by the way was invalid. My husband was able to get executive client services from PNC AND XXXX XXXX XXXXXXXX on a 3 WAY CALL!!! XXXX XXXX from PNC stated that she had been in contact with XXXX XXXX from XXXX XXXX XXXX. And that they had figured out everything about this transfer and we were in good hands. IT IS XX/XX/XXXX. AND WE STILL HAVE NO MONEY OR SIGNS OF WHERE THE MONEY WENT. My husband opened a claim with XXXX XXXX XXXX and they barely even have any information. I need the following things. - PNC TO CONTACT XXXX XXXX FROM XXXX XXXX XXXX to see where this money is living. - GIVE ME US OUR MONEY BACK OR REFUND US WITH A CHECK. - we are sick to our stomachs it has been over 2 months and nobody knows what is happening. HELP. XXXX XXXX XXXX XXXXXXXX TO TELL US WHERE THIS MONEY IS AND GIVE IT BACK. | ||||||
| 01/10/2019 | Yes |
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| I originally applied for a home equity line of credit with PNC. They told me it would be fixed for the first five years then variable. It was variable from the minute I signed. I told them the loan officer mislead me on the loan and they said I can change it to fixed for a {$100.00} fee. I told them I shouldn't have to pay this fee and they agreed but charged me anyway. I fixed the loan and then decided to take out a new loan to pay off the original loan. I had to go to closing three times before the loan wen through due to problems with their loan administrators and underwriters. After I got the loan, I received the first bill 3 days before it was due. I called to complain and they said they would put through the payment over the phone without a fee. The woman attempted to process the payment but it was the wrong amount. I told her it was wrong and she said she would fix it and I would get an email. I never got the correction email. I called them 2 days later, 1 day before the payment was due, to fix the problem. The nasty manager told me I would still have been responsible for a late fee even though PNC 's customer service agent put through the wrong amount. I asked them to check it. They said they couldn't find the payment at all. Then he asked to process a new payment. I have not received a confirmation yet. This bank is horrible. Their customer service agents do not have adequate training on consumer regulations. Their loan administrators have violated Regulation Z due to not sending me my bill on time and not processing my paperwork in a timely manner. Their loan administration process needs to be enhanced to ensure their employees follow the regulations and process everything timely and give customers the correct information. They also need to send billing statements in a timely manner. Please look into the mortgage servicing practice of this horrible bank. | ||||||
| 01/07/2021 | Yes |
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| please refer to attachments provided. I need proof that my very OLD equity loan from 2007 with National City Bank is satisfied/closed as I am selling our house and it is critical for us to have proof of this as their is a lien on my house. We can not leave this unresolved. There is no record of reconveyance or discharge in the public records. PNC Mortgage/PNC Bank phone # XXXX has on record that closed account # XXXX acquired National City Mortgage/National City Bank. In contacting PNC, they said my loan was transferred to XXXX. After contacting XXXX ( XXXX research dept XXXX confirmation # XXXX ) THEY do NOT have my loan information nor do they have any information of a merger or loan transfer with PNC Mortage/PNC Bank or National City Mortgage/National City Bank. PNC Mortgage/PNC Bank provided me with incorrect information and wasted my time. I believe the loan was satisfied before PNC acquired National City Mortgage and I just need a letter from PNC that this loan is closed and satisfied. They said that since National City is dissolved there's no way to acquire this. I have spoken to multiple representatives XXXX none of which has been able to help me obtain the information I need. They keep escalating it to their research department who conveniently can NOT be reached or contacted directly EVER. There's never anyone I can speak to to get what is I need. Since they acquired National City Bank, they are responsible for getting me this information and they have been uncooperative. No one I speak to can give me a direct answer and it to be sent to someone else. That someone else can't ever be reached directly and their research people only have the ability to direct me to a bank that does not have my loan information that PNC claims was transferred to them. I have been spoken to numerous people with no avail and have completely wasted my time in this effort. | ||||||
| 02/08/2021 | Yes |
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| On Wednesday XX/XX/2021, I visited a PNC branch and sent an international wire transfer to relatives due to the Covid situation and related financial struggles. Two days later, the recipient bank requested an amendment, as the recipient 's account had to be a personal account rather than a business account. I visited the branch again on Friday XX/XX/XXXX at XXXX and provided the information for the amendment. I asked for any documentation to be able to track the transaction, but the staff at the bank said they had no receipt or otherwise. The branch employee and later the wire transfer department on the phone stated that an amendment takes 2-3 business days. I started calling the wire transfer department since the following Wednesday as the recipient bank reported that the money had been received, but not the amendment. Every time I called I was told that the amendment had been already sent, but they would not provide any explanation as to why it had not been received. On Friday XX/XX/XXXX I scaled up my complaint. On Monday XX/XX/XXXX I called the wire transfer department again to enquire about the situation, and ( after more than 6 business days and numerous phone calls to customer service ) the bank representative reported that the amendment had not been sent by the bank. In view of the delays, I used a different bank that got the money there in 1 business day ( so I have now had to effectively sent this transfer twice and will have to deal with reversing the PNC one ). The delay had serious consequences for my elderly parents at a time when they have been XXXX XXXX XXXX and unable to repay debts that I was going to help them with. A penalty is in order for PNC bank due to the detriment caused by its negligence. I was provided unprecise information throughout the process and the bank certainly did not comply with the 2-3 business days window stipulated ahead. | ||||||
| 07/16/2020 | Yes |
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| My car loan was with PNC Bank. The car was purchased before I was married and therefore both the title and loan were in my maiden name. I called them on XX/XX/2020 to express my intention to pay off the loan and to see if I could have the title mailed to my married name or otherwise arrange to pick it up, as I knew the mail addressed to my maiden name would not make it to me. I explained I understand that I need to correct the name on the actual title, but that I needed the mail envelope itself to have my married name. The representative I spoke with said that they could not mail it to my married name but that 1 ) they would mail me the form I need to fill out to legally change my name with them in the event that 2 ) the title bounced back to them. In other words - worst case scenario is the title is returned to sender and they would be able to mail it back addressed to my correct name. I paid the loan in full on XX/XX/XXXX. As expected, neither the title or change of name form made it to me. After several calls to PNC in an attempt to address the issue, I was escalated to someone in PNC escalations ( name and phone number available upon request ). I was told that my only option is to pay the 3rd party company XXXX a {$23.00} lost title fee to get a letter of debt satisfaction in the mail. Then I would have to go down to my state office and pay {$50.00} for a duplicate title as mine is " lost. '' They are attempting to pass these costs onto the consumer, including the {$23.00} fee to their third party vendor, due to something I called in advance to try to stop from happening. It seems negligent at best and like a complete scam at worst. Its an absolute joke - especially considering that we as consumers are unable to control which creditor our loan is sold to. I spent over a month dealing with this issue and did not receive a satisfactory resolution. Thank you. | ||||||
| 04/11/2019 | Yes |
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Web | Older American |
| This is not a problem with my mortgage so much as it is with an insurance claim to my mortgage bank, PNC Bank. I had a house fire in XX/XX/XXXX. My insurance company and I sent the bank the adjusted estimate check at the first of XX/XX/XXXX. The bank released the funds as described in their literature. No problem. In XX/XX/XXXX I sent another check I received from the insurance company for the cost of demolishing the house and cleaning up the debris from the fire. On XX/XX/XXXX this check appeared in my mortgage bank escrow account. Fine. Since that date I have been trying to get this mortgage bank to release those funds so that we can pay the subcontractors who have been rebuilding my house. They first wanted additional information on the adjusted estimate. I had my insurance adjuster contact them to give that information. I waited a week and called their claims department to ask why they had not released the funds. They said they had not received the information from the adjuster. I had the adjuster again sent them by email to a particular person in the claims department. No check. This has been going on in the same manner for over 3 months. I have the subcontractors filing liens on my property since they have not been paid. I call the claims department of this bank every day to ask why they haven't released these funds. I get a variety of answers. Now it's they are converting from and old records system to a new one and it will take 5 or 30 days ( depending on who you talk to ) to be able to review by records. I ask for a supervisor. None are available. I ask for a supervisor to call me. No call. I emailed and wrote a letter to the person on charge of account services. No reply. At this point I believe I'm going to have to file a law suite to get this money released. But that will take more time than I have. Can anyone get these XXXX to release these funds? | ||||||
| 06/10/2022 | Yes |
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| In applying for a refi on my current home a lien comes up on my record. The mortgage holder is no longer in business and I'm getting the runaround from contacts listed as who to contact (XX/XX/XXXX ). I need this lien removed so I can proceed with my refi, I just need to know who has it and how I can address it. Below is a copy of a cover letter which was sent to PNC XXXX XX/XX/XXXX. Responses came back to me saying no lien info was available. Here is the letter sent-minus the referenced exhibit attachments : To whom it may concern, On XX/XX/XXXX, we purchased our current home at XXXX XXXX XXXX, XXXX, Michigan, XXXX. We borrowed {$300000.00} on the first mortgage and {$75000.00} on the second mortgage, financing was through XXXX XXXX, a Division of XX/XX/XXXX XXXX XX/XX/XXXX ( Exhibit A-copies of both mortgages attached. ) In XX/XX/XXXX, both mortgages were transferred to XXXX XXXX XXXX XXXX ( Exhibit B-copies of both assignments attached. ) On or about XX/XX/XXXX, the first mortgage was assigned from XXXX XXXX XXXX XXXX to PNC Bank, a XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Exhibit C-copy of assignment attached. ) We have only been making one mortgage payment to XXXX XXXX XXXX. Our current mortgage statement balance leads us to believe that at some point the second mortgage was combined with the first mortgage ; however, both liens are still appearing on our title. See attached Exhibit D- copy of current mortgage statement AND attached Exhibit E- page from our title work reflecting two liens. We are trying to refinance our home and need documentation to support the second lien is not in place. We are requesting any and all documentation regarding the transferring of our loans from XXXX and XXXX. In addition, requesting any documents or activity between XXXX and XXXX that would have resulted in the second lien being dissolved or combined into the first. | ||||||
| 03/09/2020 | Yes |
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| This complaint is about an error made on behalf of PNC Bank with XXXX, which cost me {$1000.00} without any wrongdoing on my part. On XX/XX/2019, I made a credit card payment to XXXX for {$1000.00} from my PNC Bank Account using a debit card. The amount was recorded once by XXXX on XX/XX/2019 as expected ; however, on XX/XX/2019, when the payment posted to my PNC Bank account, it was recorded as two transactions, each for {$1000.00}. I disputed this transaction with PNC, and they issued me provisional credit on XX/XX/2019 for the extra {$1000.00} charged to my account. Then, on XX/XX/2019, XXXX adjusted the original payment I made on XX/XX/2019 and deducted {$1000.00} from my XXXX account. As a result, the initial payment was reversed once from XXXX, but only once from PNC despite being charged twice. Therefore, I was deducted an extra {$1000.00} for no reason. When I contacted PNC to ask them about this dispute, they told me that it was already resolved on their end and that I needed to contact XXXX about their reversal of my payment. So, after several months of back and forth between PNC and XXXX, I was formally told through a letter from XXXX that the reason they deducted {$1000.00} from my XXXX account is because they had paid it to PNC in order to reverse my transaction, however, PNC never put the {$1000.00} back into my PNC account. I have followed all of the appropriate steps to resolve this problem and went through all of the proper channels with PNC, but this issue has not been resolved. It has been ongoing for several months, and I am still at a loss for {$1000.00} for a problem that the banks made, not me. I require assistance from the consumer financial protection borough in resolving this matter. The ongoing dispute is between XXXX and PNC, I am just a middleman who is charged {$1000.00} without having it returned. This is theft. | ||||||
| 06/25/2018 | Yes |
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| PNC bank failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. In XX/XX/XXXX I received another Late payment for being late for two months. I again called and spent 2 hours trying to resolve my issue. After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. The stated reason was that PNC IT systems were not sync and an upgrade caused the EFT to stop. The resolution that XXXX XXXX am I worked out was to pay off the entire loan. The Loan was paid off via an EFT - XXXX. The title has been received. When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. I have an escalation pending with PNC Bank I opened the escalation on XX/XX/XXXX. XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called PNC - XXXX XXXX about the credit report. He could not open my escalation file. Had me call XXXX the main PNC bank number Been on hold for 20 minutes while going through VRI system to get to Escalation department. Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. Requested that the letter be emailed to me. Requested the name of her boss for further escalation - XXXX XXXX - XXXX | ||||||
| 03/26/2015 | Yes |
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| Hello, I 'm in the process of purchasing a home in NJ and reached out to PNC Mortgage to secure financing. The seller of the property had very strict requirements for our contract ( e.g. I had to deposit a {$10000.00} non-refundable deposit ) and so we were still in the process of negotiating. Before finalizing the purchase contract, I explained the situation to XXXX XXXX at PNC Mortgage and told him my only concern from a PNC perspective is whether or not the property would appraise at the purchase price. I understand he could not tell me definitively if it would or would not appraise at the time of the mortgage application but when I explained my concerns to him, I was told " based on my experience financing units in your building, I 'm XXXX certain it will appraise. '' I explained to XXXX that I could barely afford this property and that I could not afford to pay even {$1.00} out of pocket more at closing if the property did not appraise. But, having this statement reiterated and assured to me multiple times, made me finalize the contract under the terms of the seller. Soon after the contract was finalized, the PNC appraisal came in and it was {$50000.00} less than the purchase price. I am very upset by this outcome as I felt XXXX deceived me into believing it was " XXXX certain '' that the property would appraise at the purchase price. That said, b/c of the significant difference in appraised value, I was unable to pursue the home purchase and lost my {$10000.00} deposit which I would have never agreed to if it was n't for the " XXXX certain '' statement. PNC Mortgage persuaded me into believing something that was not true and b/c it was such a significant deviation from the expected appraisal, I believe they should take accountability for this negative outcome. Again, I lost {$10000.00} and it was due to a mortgage salesman trying to sell me a mortgage. | ||||||
| 10/09/2020 | Yes |
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Web | Older American |
| On XX/XX/2020 I was approved by PNC Mortgage for a {$260000.00} mortgage loan to purchase a condominium at XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. On XXXX XXXX I received a call from the PNC loan officer, XXXX XXXX, telling me that my loan was disapproved. The closing on the purchase of my condo was scheduled for XXXX XXXX and for the sale of my house in XXXX, Ohio was scheduled to close on XXXX XXXX. This left me only 3 days to find and arrange for {$260000.00} to be wired to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX so that we could purchase and move into the condo. On XXXX XXXX my wife, XXXX, and I met with XXXX XXXX, the PNC XXXX Branch Manager, in person get the many documents I loaned to the mortgage officer, and to pick up a written statement ( " Notice of Adverse Action '' ) of why the PNC Mortgage company waited until the " XXXX hour '' to tell me on XXXX XXXX that I would not get the loan they approved on XX/XX/XXXX. I was met by a security guard, the PNC branch XXXX and a PNC " witness '', for the 15 minute meeting, and the Branch Manager, XXXX XXXX, who we have known and banked with for 20 years, made no apologies, and gave no written or verbal explanation of why we were notified only 3 days before we closed on the purchase of the condo. The notice of adverse action from PNC only stated that my income from self-employment decreased in 2020. My wife spoke up and then XXXX said the situation was unfortunate. We received only a short written statement from PNC saying that because I was XXXX and my income was lower in XXXX ( due to COVID-19 ) that I was not approved for the loan. If I was not able to get the {$260000.00} from other sources in 3 days ( by XXXX XXXX ) my wife and I would not have a home to live in after the sale and closing of our former house at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. With gratitude, XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/04/2020 | Yes |
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| I am writing to complain PNC 's poor check deposit and fraud defense system! I am an international student. In XX/XX/2020, I, unfortunately, ran into a scam based on an employment opportunity at the XXXX XXXX University XXXX XXXX XXXX posted on XXXX. The fraud mailed me a check ( {$7800.00} ) to deposit for purchasing equipment for the " remote job ''. I deposited in the local PNC branch, and I told the fraud that I need to wait until the pending ends, which means the check is approved by PNC and posted on my bank account. However, PNC just used 1 day to approve the fake check and posted the money ( {$7800.00} ) to my bank account. I trusted PNC and sent money to the fraud. I was thinking I was using the money in the check only! Then, after 1 day, I realized the " employer '' was a fraud. So, I called XXXX immediately, and I also called PNC and PA Attorney General to report this scam. Right after 2-3 hours, in the afternoon, PNC told me the check was returned unpaid! And they wanted to blame on me for sending money to the fraud! I highly doubt PNC 's security system on checks. It was even me who told them there was a problem! As a XXXX XXXX, I have no ability to tell whether the check is true or fake. And I even don't know that when money is posted on your account, it can still be bounced back. To me, PNC failed me by posting the fake check in 1 day. There was no single alert for fraud or scam at all! It's a scam supported by the bank! If PNC, in the end, refuses to take their responsibility for this case and wants to blame everything ( {$7800.00} ) on me, I can't even afford to pay all the lost money which is more than I have! I am a hardworking person who has a XXXX of XXXX XXXX from the XXXX XXXX University. I pay taxes and try so hard to be a valuable element for this society. Please help me by standing against this bank system full of flaws! | ||||||
| 02/02/2022 | Yes |
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| This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX ..Do not use the XXXX system.. PNCs Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( PNC ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way. | ||||||
| 03/02/2023 | Yes |
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Web | Older American |
| In XXXX of XXXX I opened a holding account with the PNC bank. To be clear, I have never used this account for any reason ; which means I have never written a check ; use a credit or debit card nor an ACH. I have never used this account for any transaction from since I made the initial deposit. I found out that the accounts were in fraudulent distress when I went to the bank to inquire about moving my money to a high yield saving account. I was told that there was an ACH withdrawal on the account to which I immediately told XXXX XXXX XXXX, the account XXXX, to file a fraud investigation into that transaction. She then told me that there were more transactions on both my saving and checking accounts. About a week on into the investigation an officer of the PNC bank in University XXXX in XXXX PA called me asking if I authorized a check payment. I quickly said no and asked the office of the bank to get the name and other information of the persons. He said that he would call me back but did not. Called and returned in person to the bank several times after but the dilemma becomes worst. The bank essentially told me that I was on my own and that I would conduct my own investigation. They told me that I have XXXX hours to file a complaint against an ACH if I need help from the bank. I refiled the claim this, a third time since and this is the stage at which I am in the process right now. I hope that some assistance can be had to resolve this issue. To resolve the problem, I would appreciate your kind assistance in reinstating all my money and interest taken from account. Enclosed are copies of my records I look forward to your reply and a resolution to my problem and will wait until within the next week before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at. Sincerely, XXXX XXXX | ||||||
| 02/16/2022 | Yes |
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| I recently received a forwarded statement for my XXXX ( now PNC Bank ) credit card. The notice basically said it was going to collections and to call them. I called them on XX/XX/XXXX and discovered that I did, in fact, owe them for some charges earlier in XXXX which I was happy to pay. However, they also charged me for interest and two ~ {$50.00} late charges. My issue with the interest and late charges is that I never received notice to pay or I would have. Of course, if PNC had tried to reach me, I would have paid and not incurred one or both of the late fees and interest! When I questioned why they didn't contact me to collect prior to incurring late fees, they said that they called but I hung up and they called a second time but they didn't leave a message. It sure seems like they wanted to incur the late fees rather than let me know about it. Never once did they try to email me or try to reach me in earnest. The total bill was less than {$250.00} and I have no other debt. Anyway, on XX/XX/XXXX I spoke with someone from PNC to " settle up '' and the gentlemen agreed to waive one of the late fees so, in order to put this past both parties, I agreed to pay ~ {$170.00}. Fast forward to today : XX/XX/XXXX. I called PNC to get past statements for the account mailed to me for tax purposes and, to my surprise, I find out that the late fee the gentlemen agreed to waive was denied and still remains on my account. This is after him telling me I had a {$0.00} balance on XX/XX/XXXX. I asked again if they tried to call or reach me in order to collect the fee and was told, " no, we didn't '' and " you live in a state in which we can not leave a voicemail ''. The behavior is what I would expect from a XXXX XXXX not a super regional bank. I appreciate the help and 'm happy to discuss more at your convenience. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX | ||||||
| 05/08/2020 | Yes |
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| I responded to an ad on XXXX about a rental property in XXXX ( XXXX ) The scammers posed as XXXX and XXXX XXXX who were subletting their apartment on XXXX XXXX XXXX XXXX After paying an application fee of {$35.00} via XXXX I was sent a paper application with the address of the property as well as the contact info of he owners. The application looked legitimate to i filled it out and sent it. I was contacted via text and was told of the deposit of {$270.00} XXXX XXXX ) and the prorated rent of {$370.00} ( XXXX ) and a parking/amenities fee of {$99.00} ( XXXX ). I paid the prorated rent of {$370.00} via XXXX to XXXX XXXX, " wife '' The scammers attempted to get me to use XXXX XXXX and XXXX XXXX to receive all payments. After difficulty I told them i could use XXXX and they sent invoices which led me to believe they were legitimate. I was told of the lockbox location for the keys after paying the fees, i was also told that a bed would be provided. When asked about when the sublte agreement would be sent, he said the next day. on XXXX i inquired about the lease agreement he said his wife would send it, after a second inquiry he said he would check again. The next day XXXX, i drove to the property in the morning to see if the lockbox was at the front desk like he said. The property required a FOB to get in. I emailed the property to verify if Suite XXXX was legitimate as stated on the application. i was contacted by a member of staff at XXXX XXXX XXXX who told me that the suite did not exist and that XXXX and XXXX XXXX were not residents there. They also told me that this has become a growing problem with their property and they have contacted XXXX to take down the listing I then immediately filed disputes with PNC Bank, XXXX and XXXX for the money that was lost. The President of XXXX sent a letter that verifies that the listing on the application is false. | ||||||
| 11/09/2021 | Yes |
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| 1. On XX/XX/2021 I withdrew {$700.00} from my BBVA checking account to fund a {$690.00} transfer ( plus {$5.00} transfer fee ) by means of BBVA " XXXX '' money transfer system. 2. On XX/XX/2021 the transfer was not sent and BBVA, in an attempt to correct the failed transfer, withdrew {$700.00} from my checking account instead of depositing the {$700.00} back. 3. On XX/XX/2021 the recipient of the transfer alerted me to the situation that the transfer had not occurred. I checked my BBVA checking account online and realized that instead of depositing the {$700.00} back into the account, BBVA had withdrawn {$700.00} from the account. 4. On XX/XX/2021 I visited the XXXX branch of BBVA in XXXX to have the bank correct their mistakes and deposit the {$1400.00} to my checking account. The bankers at the branch recognized the mistakes totaling {$1400.00}, and said they would work to solve the issue with the corporate office. By XX/XX/2021 BBVA USA bank had fused with PNC bank, and branches were not able to correct mistakes like these any longer. 5. On XX/XX/2021 I emailed all information about the {$1400.00} mistakes to XXXX XXXX, BBVA/PNC XXXX area branches district manager. I talked on the phone with her and she also acknowledged the {$1400.00} mistakes the bank had made. 6. On XX/XX/2021 XXXX emailed me to ask me how would I like the {$1400.00} transferred back to me. I requested the {$1400.00} to be deposited in my checking account. 7. On XX/XX/2021 I was contacted by XXXX XXXX from the PNC corporate office, with whom I talked on the the phone the next day XX/XX/2021. XXXX advised me neither he nor the corporate office could correct the mistakes as they did not have access to BBVA transactions. 8. As of XX/XX/2021 my {$1400.00} have not not been deposited in my account yet, and have not been given a date of when the {$1400.00} will be returned to me. | ||||||
| 04/10/2020 | Yes |
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| I had a meeting with the Bank Loan officer to refinance my mortgage with another bank. The loan officer steered me towards a Home Equity Installment loan and I proceeded with the application process. I requested information pertaining to terms and closing costs. The Good Faith Estimate I received did not include all the fees or the added interest PNC requires. Later I received a revised estimate that started including more interest and I was asked to raise the loan amount to cover, I agreed but asked for all the documents I would be signing to be sent to me so I could review what type of mortgage I was signing up for since the terms and fees seem to be increasing. I week later I was given another estimate of closing that once again exceeded the previous amount of the loan. I refused to increase the loan amount further and filed three formal complaints with the bank so I could receive the loan documents prior to closing ( so I could be informed about what I was signing up for ). The loan officer at one point stated he would send me the documents but then rescinded that offer. The revised Good Faith Estimate I received did not itemize out the added interest PNC was adding to the closing amount and only had one lump sum. The complaint with PNC has not solved any of the issues and I will not be closing tomorrow as originally planned. I have been charged by my own bank for fax fees that I did not authorize in relation to this refinancing. My hope throughout this process was to be an informed borrower but PNC would not comply with that. Their web site has very generic terms and until yesterday they did not even state the actual name of the loan product. Throughout the complaint process the PNC agent told me the loan was not covered by the Truth in Lending Act which made me even more worried about signing up for something that I could not review ahead of time. | ||||||
| 10/25/2017 | Yes |
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| Hello : Our family owns a home in XXXX, NM and our loan currently has PMI. We have paid down the principal and are now at 78 % XXXX. PNC services our loan. After we reached out, PNC sent us a letter saying that we are required to pay them XXXX XXXX which PNC owns jointly with XXXX ) {$590.00} for a XXXX Single Family appraisal because the loan investor requires proof that the property has not declined in value. What we would like to confirm is whether we actually need the appraisal. Per your efforts with XXXX XXXX, we read on your site/ comments that " Servicers must end a borrower 's requirement to pay PMI when the principal balance of the mortgage reaches 78 % of the property 's original value. '' We could be missing something but since we have it in writing that we have a XXXX of 78 % this would imply that PNC is responsible for ending our requirement to pay PMI. Again, we know our understanding of the subject is elementary. The process of removing PMI seems unbelievably heavy on a customer. We can not even imagine how much money is drained from our economy each year as a result. What bothers us more is that banks/ servicers turn a solid profit either way by setting up a toll booth which forces borrowers to pay them/ their subsidiaries large high-margin appraisal payments. Luckily, our family can afford this ( it will be tough to stomach and actually pay but we can if we have to thankfully ). Our fear is that for many who are arriving at this step ( hopefully they are even aware ), the appraisal price tag at 78 % could be a massive barrier to removing a large needless expense from their monthly budget. Again, we understand we could be missing some things but if you have any guidance for us it would be very much appreciated. Please let us know if you have any questions. Thanks in advance for your time and all you do and stand for at the CFPB. | ||||||
| 01/25/2021 | Yes |
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| This is a follow up from the first complaint that I filed in 2020. The bank did have a representative contact me to resolve the issue but she did not resolve the issue in a satisfactory manner. I have many reasons to believe that the representative did not take XXXX XXXX XXXXperson seriously. It seemed that every banker she referred me to ( except for one ) had been negatively influenced prior to speaking with me and they were always suspicious. While I was told that they would straighten everything out that did not happen. Also the representative stated there would be a credit accessed to the account even though I asserted that I was willing to pay the charges totaling {$58.00}. The credit was never assessed to the account and it was held against me. I worked in good faith to get the matter settled and worked with the bank to achieve a fair resolution with an amicable repore but there was no effort on the part of a number of bank employees to make that happen. In fact certain bank employees did not return my calls about errors that had been made and were allowing certain errors to continue and refuse intentionally not to communicate over a period of time with me directly until the responsibility got confused and then took adverse action on the account. This mishandling has created a hardship for XXXX XXXX operation. I don't believe PNC was acting in good faith. Furthermore they never properly processed the change over to my merchant account. Even though I made numerous telephone calls and filled out paper work to clear up the problem PNC never processed the changes. These actions not only occurred with my bank account but also my merchant services account and ultimately caused a loss of income to XXXX XXXX and this was a major negative impact during the pandemic. I do have specific dates and times that I can refer to regarding this matter. | ||||||
| 11/03/2023 | Yes |
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| My mortgage payment adjusted in XXXX of this year to account for taxes and escrow, and the documentation received stated that if my account automatically debits that I did not have to make any changes, so I did not. I was prepared for the adjusted amount to be debited from my account in XXXX based on this, and make no changes to my account. When the XXXX mortgage was drawn, it did not debit the updated amount, it debited the original amount and after that I received a letter from PNC stating that failure to meet the full payment in the future would be met with fees. Confused as I followed the provided instructions I called PNC and was told that the account does NOT update based on the form I completed and that I would have to manually update the payment - so I did as instructed and adjusted the amount to reflect the new payment amount despite the language used that stated I did NOT have to make any updates. My XXXX payment was just drawn, and the payment amount was updated to the new amount as well as the adjusted amount I was told I had to do manually. I called PNC again and was then told that not only did I have to adjust the amount, I also had to go back in and remove the additional adjusted amount I added. None of this was explained to me during my initial call to investigate why the wrong amount was debited. The language used throughout this entire process is intentionally vague and misleading, and representatives of PNC provide you with contradicting information. What is defined as an automated debit versus XXXX, and why is that not made extremely clear on all documentation provided to customers including information on payments being adjusted for taxes and escrow. I believe PNC does this as a predatory practice to draw additional fees from unsuspecting customers or customers who do not understand the intentionally misleading language used. | ||||||
| 07/10/2023 | Yes |
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| I closed a HELOC with PNC late last year. Prior to closing I had both a recorded phone call and an email from her describing how my payment would be broken up. I mentioned to her in my email and call that before closing I wanted to know how much of my payment would go toward principal and how much would be interest. I have in writing ( and she told me on the phone ) that my total payment ( knowing how much I was transferring and using ) would be {$480.00} and that of that {$240.00} goes to principal and the rest goes towards interest. I signed to receive funds with this understanding. The first month- this was accurately drawn but the following months from XXXX through current they have been only putting less than {$70.00} of my payment towards my principal. I tried emailing XXXX XXXX ( my loan closer ) and she apparently was moved to a different department, I then tried to speak with her boss ( XXXX XXXX who said he couldn't help me ). I went into a branch and spoke with XXXX about it and she said that I needed to transfer {$1300.00} from checking to HELOC in order to fix it which I did and that didn't fix it. When I went back to see her- that branch had changed to ATM only and she didn't work there anymore. I then spoke with XXXX XXXX who tried to help but couldn't get an answer about what had happened and now she too has stopped responding to me. I want my payments to be split the way I was told IN WRITING ( have copies ) they would be. I would not have signed to receive this HELOC if I had known my payments would be split differently. If this isn't illegal it is certainly unethical and absolutely PREDATORY. At this point- I should have over {$2000.00} as part of my principal put back into HELOC account based on how I was told my payments would be split. I would like that money back and also I would like my payments to be fixed moving forward. | ||||||
| 02/02/2023 | Yes |
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| Firstly, I never signed up for an account with PNC Bank. I signed up for an account with Simple Bank, which was bought out by BBVA, which was bought out by PNC. When Simple was closing down, their bugged app and website made it impossible to close my account before the BBVA transfer went through. My ( many ) attempts to cancel the account with BBVA were not successful before PNC then took them over. I was given an account with PNC that I never signed up for and did not want. It was extremely difficult to get the account closed, and took multiple phone calls to even figure out the status of my account. It had been marked as 'inactive ', it was explained to me, and therefore I needed to activate it again and wait for a while and then call them *again* to close it. I did this, and was told that the remaining funds in my account would be sent to me in five business days. I received the confirmation of the account closure on XX/XX/XXXXXXXX I still have seen no sign whatsoever of my money as I write this on XX/XX/XXXX. As to how PNC has handled that - I'm once again back on hold, and I've been on hold for so long that I've written and submitted this complaint while waiting for a representative to get back on the line. Hours have passed. The hold music eventually slowly and sadly died out, and now I'm holding in silence. Lol. I also repeatedly had to give this institution I never chose to open an account with my SSN so that I could even hear what was going on with the money I never chose to hand them. It seems unacceptable that an account I never wanted was opened in my name and now I'm spending hours over the course of months just trying to detangle myself from this mess and get my own money back. Every step of this has been absurdly difficult and tedious and what they have is my emergency fund, so I hope no emergencies come my way any time soon. | ||||||
| 01/05/2021 | Yes |
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| Today, XX/XX/XXXX, I used my XX/XX/XXXX atm card at a PNC bank atm XXXX which I am also a bank customer ) to take out {$300.00} and did not receive my {$300.00} even though the {$300.00} deducted from my XX/XX/XXXX XX/XX/XXXX account. I needed these funds to pay a deductible for a doctor 's appointment that day in order to be seen. While sitting at the atm in me vehicle, I called into the branch and explained what occurred. I was told there was nothing that could be done and I needed to call XXXX to file a dispute. When asked how I am to prove to XX/XX/XXXX I did not receive the {$300.00} from their PNC atm machine when the money shows deducted from my XX/XX/XXXX account. I asked if I could have something in writing and was told no and XXXX would contact then and their atm would show in excess of the {$300.00}. I also used my PNC atm card to make sure my {$300.00} would not dispense if used by someone else. I completed my transaction for just {$10.00} to see if my PNC atm card would work ; however, the {$10.00} did not dispense either. When I informed the manager XXXX XXXX of this and that the machine is malfunctioned she immediately sent someone outside to inform the customers in line behind me that the atm was not working and stated she would have to report this. When calling my credit union they informed a dispute could be filed but my account could not be credited for 10 days. As a result, I had to take another {$300.00} from my account that day to pay my deductible for my appointment. Making my account reduced by {$600.00} v. {$300.00} which was a hardship. A customer should never be told, there is nothing that can be done to help them or told about their energy, or that they understand when they clearly do not understand the reason I went to the atm is because I needed my money right then, not 10 days later after having filed a dispute. | ||||||
| 02/09/2022 | Yes |
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| On XXXX XX/XX/2022, I opened Business checking account with PNC bank, in-person at XXXX TX branch XXXX Ever since I opened this account, I am facing issues : 1. Signature card was not uploaded so I can not do any external transfers ( like get money into this account using ACH ) 2.I need to work close to 2-3 hours to get this resolved in next 3-4 days. 3. Now I am facing a new issues, I can not cancel my scheduled external transfer. I can reduce the amount of that transaction ( which i want to cancel ) to {$10.00} but can not cancel it. Since XXXX XX/XX/2022- I am having this issue. Any time call phone banking ... standard message " we are getting unusually high call volume... wait will be more than 20 minutes ... but even after 1 hour there is nobody to talk '' ... call back feature is there... but call comes after 1+ hours ... worst thing... even when you are talking to a human ... that human is totally incapable, inefficient... they can't even understand the problem... I spent close to 8+ hours on this issue. But still it can not be fixed. Branch has been told... Branch arranged a call but when i called that person... going to voice mail. Information team has been highly incapable backed up by totally useless customer service. Customer is feeling hopeless... These are the basics of banking... credit and debit from account and PNC is totally clueless. I am very busy and simply just can't keep on following. Today I got a callback from XXXX from PNC ... customer service from PNC feels as if they are doing a favor by talking to the customer. She told me that i can not see what you are doing and i can not simulate it also ... .numerous transfers here and there... but issue not getting resolved. XXXX support is more hopeless than phone support. Tried various browsers and mobile app - no luck in terms of cancelling the scheduled transfers. | ||||||
| 01/14/2021 | Yes |
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| On XX/XX/2020, I purchased a vehicle from XXXX XXXX of New York. I was sent an invoice for {$17000.00}, money to be wired to a business account for XXXX XXXX at PNC bank at XXXX XXXX XXXX, New York, NY. I contacted the bank directly to make sure it's a legit account. Then after wiring the funds, I contacted the bank later to see if the funds have been cleared because the seller, XXXX XXXX, told me that the bank was holding their funds. The bank would not answer my request and told me I can not inquire about an account I don't own. I then asked for the wiring department so I can speak to someone that can verify that my wiring from XXXX XXXX has been cleared through PNC wiring department. Again, PNC declined to answer. Throughout the numerous emails and phone calls with XXXX XXXX in New York, they kept claiming that their funds were never released so they could not ship out my vehicle that I bought. Then I asked my bank, XXXX XXXX to intervene and inquire about a possible refund since the funds were never cleared. After few weeks, XXXXXXXX XXXX responded that PNC never answer them directly either. Last week, I filed a fraud complaint with the FBI internet crime division after having no choices left and recommended by my own bank, XXXXXXXX XXXX Till now, PNC has never answer me directly, contacted me in any way, or assisted my bank to see what happened in this situation. Even if it's a straight scam, I felt like PNC could have answer quicker giving the consumer like me a chance to go after the criminal, if proved so. It's now past 90 days since the funds wired, chances will be slimmer to recover. I like PNC to answer directly to me if the funds were indeed verified and cashed out, if not, is it possible to have it refunded to me through the same means it was wired. Please help in any way possible so that I or anyone else can avoid losing money. | ||||||
| 06/14/2016 | Yes |
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| Pnc bank is trying to take my funds stating I have an outstanding balance from XX/XX/XXXX. I opened this account in XX/XX/XXXX. I have a previous account with pncb an that was closed because pnc bank had fraudulent practices which forced the consumer to pay extra overdraft fees. A class action suit was filed and pnc bank settled. These fees were reversed and everyone who submitted a claim was rewarded. I have not received one notification from pnc bank that referred to any outstanding balance. This outstanding balance is due to fees from that old account. Since XX/XX/XXXX, pnc bank never sent one notice nor have a received any notice from any collection agency on their behalf. I was in the XXXX XX/XX/XXXX and applied to receive unemployment compensation which I setup to go into this account. On XXXX XXXX, XXXX, XXXX deposited the funds into my new pnc account. On the same day, pnc closed my account because " I had a XXXX balance for one month ''. I called pnc bank to resolve this issue on Monday, XXXX XXXX, XXXX. I was told the account was closed and why. Pnc reopened the account but stated a had an outstanding balance from XXXX. I explained to them that that old account was apart of a class action suit and I did n't not owe these fees. Also, as previously noted, pnc bank never notified me previous to XXXX XXXX, XXXX that there was an outstanding balance in question. There has been no detailed accounting of what I owe these fees for but pnc bank is trying to apply my XXXX funds toward rhus XXXX balance. I opened this account in XXXX XXXX and have had many deposit into this account. If there was a balance in arrears, why was n't it applied between XXXX XXXX and now. They could have gotten this number from anywhere. They are either trying to collect on these accounts they lost in a settlement or they are outright trying to defraud the consumers. | ||||||
| 04/04/2022 | Yes |
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| On XX/XX/XXXX a check was paid on our account. Received the statement on XX/XX/XXXX and called the bank the following day, to inform them that the check was fraud and never authorized. I was told XXXX was now pnc bank and a dispute was initiated. I was told I would receive a written letter within XXXX business days. I never received any correspondence. On XX/XX/XXXX I received a letter asking to call them with more details. I called and An escalation specialist pulled up the information and said the claim had been resolved. However my account was not credited and no explanation given. She refilled the complainant and gave me a reference number. Two more weeks went by and I called her four more times but she was not sure what happened to my case and told me to call the fraud department directly for answers as she could not see the screen to help me. I called the fraud department and was told they also could not see that screen and said they would call me back. They never did. On XX/XX/XXXX I finally went into the bank and spoke with a branch personnel. She called the fraud department but still got no where. After numerous calls from her I was told they ordered a copy of said check and to come in on Monday to figure this out. I went in on XX/XX/XXXX and spoke with the branch XXXX who filled an elder abuse claim and sent it to the escalation dept to get this resolved. I received a call from the escalation dept on XX/XX/XXXX. She told me the dept she needed to talk to closed at XXXX pm but would call me the following day. I am still waiting for that call. It is XX/XX/XXXX today. She informed me that disputes can take up to 6 months to resolve. Honestly this is ridiculous. The check was never authorized and was clearly someone taking advantage of the elderly. To compound matters the bank is now taking advantage and abusing their elderly customers. | ||||||
| 08/05/2021 | Yes |
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| On XX/XX/XXXX, my Simple accounts were automatically converted to a BBVA checking account and savings account due to the acquisition. On XX/XX/XXXX, I decided to transfer the remaining funds of the checking account ( {$5000.00} ) via ACH and close the account. I also closed the savings account and no transfer was needed because it had a balance of {$0.00}. I received an email on XX/XX/XXXX from BBVAs fraud department asking for verification asking me to call within 3 days. I called on XX/XX/XXXX to verify the transfer so the funds could be released. When I had not seen anything appear in my XXXX XXXX account which is where I sent the BBVA transfer to, I called XXXX XXXX and verified the routing information. They did not have the funds and directed me back to BBVA. After speaking with BBVA on XX/XX/XXXX for over an hour, they tried to say it was XXXX XXXX responsibility and that the transfer was successful. I asked for verification of this and they said they couldnt provide it to me. In a letter dated XX/XX/XXXX sent to my old mailing address, BBVA stated they were unable to locate the account and was provided a return settlement account number : XXXX. This means that when I called about my transfer and they said it was successful they were either misinformed or lying. I received a ticket number from BBVA when I called again to let them know I received the letter stating the transfer had not completed and we had a conference call with XXXX XXXX to again validate that BBVA is responsible for this issue. I received a ticket number : XXXX and was told I would be getting an update in a few days. The last I heard from BBVA was on XX/XX/XXXX and it has now been a full week with no reimbursement of funds or a written letter stating the status of this case as I had requested. For over a month, BBVA has lost {$5000.00} and has provided no resolution. | ||||||
| 04/19/2021 | Yes |
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| On Friday XX/XX/XXXX I walked into PNC Bank located at XXXX XXXX XXXX XXXX XXXX Florida XXXX and was approached by Banker XXXX. I needed to do a wire transfer. XXXX stated with my account there was no fees for the wire transfer. I gave him all the information, he printed the paperwork and I signed it then he signed. I ask for a copy as I needed proof of the wire transfer and he stated no I can not get a copy. I ask him why? He stated he is not going to give me a copy. My daughter explained why we needed the proof of the wire transfer as it was evidence of transmittal for the good faith deposit purchase of a new home. He refused but then he told us blatantly Im refusing to service you, you can leave now. Shocked at his statement my daughter stated " You refuse to service us because we ask for a copy? '' he stated yes you can leave. then he turned to the customer behind us and stated " sir can I help you ''. The customer stated loud no you need to help them I will wait. We were shocked at his behavior. We ask him for his name he stated no he is not going to give it. Then we ask for a card with the bank address. He stated we can google it. He REFUSED SERVICE. I then ask him to cancel the wire and if he could shered the cancelled document. He stated he will not he put it in the top draw. I informed him since I am being refused service for asking for a copy I will like to close my account and withdraw out all my money. He stated if I drew out my money he can not give all my XXXX just XXXX, XXXX. I ask for a manager and he stated none was in the Bank. I proceeded to leave when another Banker ushered me into his office apologized and processed the wire transfer. This Banker name XXXX informed me there was no fee for the wire transfer and he gave me a copy. To add insult to injury they charged me a {$30.00} fee in which i noticed today XX/XX/XXXX | ||||||
| 11/07/2018 | Yes |
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| PNC bank claims that my son took out two loans using me as a co-applicant in XX/XX/XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency XXXX XXXX XXXX. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. I contacted XXXX XXXX XXXX and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. I then started to seek help regarding these loans to I asked for proof of them loans and PNC bank was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. I have no direct communications with PNC bank but XXXX XXXX XXXX representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now PNC bank attorney drawn up an agreement for me to make payment and settle which I did NOT agree to. | ||||||
| 07/11/2017 | Yes |
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| I logged into my PNC mobile banking account yesterday ( X/XX/17 ) around XXXX to see if my insurance payment was submitted. The payment was submitted and my account became overdrawn by {$170.00}. I contacted PNC bank customer service line at XXXX because I wanted additional information regarding their overdraft policy as well as their return policy when funds are not available. At the time of the call, the rep informed me that as long as I make a deposit before XXXX XXXX time, I will not receive an overdraft fee. The rep stated if a payment was not received by XXXX, then a fee would be added to the account, she also stated that if the fee plus the overdraft amount was not paid by end of day X/XX/17 then the payment would be returned to the vendor unpaid. I worked to make the payment and unfortunately I was not able to transfer or deposit any money into the account prior to XXXX. At XXXX a electronic transfer was made to my account in the amount of {$99.00}, at XXXX XXXX a second amount was electronically transferred to my account in the amount of {$74.00}. The account remained overdrawn {$2.00}. I attempted to transfer {$3.00} at XXXX but the transition was failed and rejected, which did not allow the payment to be processed until today. PNC policies states an overdraft fee will not be applied to balances under {$5.00}, my balance was $ -XXXX Today I contacted PNC for a fee removal and I was informed that the transfers I made on X/XX/17 were not applied until today ( X/XX/17 ) therefore my account is eligible for an overdraft and the fee can not be removed. PNC reps provided false information on their overdraft policy and PNC would not provide customer courtesy and remove the fee. I have included information on the complaint I filed within PNC and the reference number is XXXX. I have attached documents supported when the transfers were made. | ||||||
| 09/26/2023 | Yes |
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| On XX/XX/XXXX I walked in to the PNC branch located in XXXX Illinois on XXXX and XXXX XXXXXXXX. When I walked into the bank I was ecstatic to open up a bank account with a check from a family friend that was given to me and my family due to my mothers death. The check was over {$10000.00} and from the beginning I had a problem with PNC bank. The check was to be released in XX/XX/XXXX They began to put an extra hold on the check stating that they couldnt cash it unless they talk to the person who gave it to me. They also stated they had talked to the bank that the check came from. They also told me if they never talk to the bank or the person who gave me the not they can hold a check to XXXX. I was also accused of embezzlement and fraud. I did what they instructed I got in contact with the person who issued out the check and with the bank, when the parties tried to get in contact with PNC Bank, they informed me that PNC Bank refused to talk to them. I then put in a complaint With you guys on XXXX XXXX. PNC executive bankers reached out to me the following day and they did release the money, after I had to show them the letter that the check came in also the note that was attached to the check, proving that it was a gift from my family friend. After being so insulted and miss treated by PNC bank I went to their other branch on XXXX and XXXX XXXXXXXX Illinois and ask for a cashiers check and asked to close the account they did give me a cashiers check and close the account. I went to take the cashiers check to another bank XXXX located on XXXX in XXXX XXXX in XXXX, Illinois so maybe to open up a new account and start fresh. XXXX, flag my account and said the cashier check was fraud from PNC it was not a legitimate check. I dont know whats going on with PNC Bank but something needs to be done. why are you trying to keep my money from me??????!! | ||||||
| 01/23/2023 | Yes |
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| On XX/XX/2022 I wrote a check to renew a subscription for XXXX XXXX in the amount of {$42.00}. I did not find out until XX/XX/2022 that the check was " washed '' for {$9400.00} when I received my statement. The bank informed me that my account was over drawn. I went to the bank and talked to, XXXX XXXX and XXXX. They closed my old account and set up new account and told me it would take 120 days to investigate. They have not put anything in writing. They did close my checking account and open up a new account and gave me starter checks but I had to buy new checks because my bank account was over drawn and closed. They did not help in any way, shape, manner or form in resetting auto pays for my healthcare. Meanwhile I have had checks bounce because of the bank 's error and not keeping me informed of my account of what is being deposited into new or old account. My social security has not yet been transferred to new account for auto deposit. My XXXX XXXX is spiraling and I have never had a bad XXXX XXXX. The bank has said they are investigating but they have not given me any updates other than the case is still under investigation. The bank has not given me a written statement that it will take 120 days before I can get XXXX money back that was stolen or fraudulently taken by this check washing. The check of {$9400.00} was rewritten to : XXXX XXXX and cashed at a XXXX XXXX XXXX. They showed me the check that was changed from {$42.00}. When I ask them when will I get my money back they tell me they do not know and I will know before they do? Meanwhile I have deposited {$7000.00} plus more money into my new checking account and replaced a few checks that were returned to the bank because the account was over drawn. I need to know when this money will be refunded. PNC Bank should not be holding my money XXXX due to their incompetence. | ||||||
| 07/11/2022 | Yes |
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| Around the middle of XX/XX/2022, I made contact with a representative of PNC Bank, XXXX XXXX PNC Mortgage Loan Officer XXXX # XXXX and inquired about refinancing a mortgage with PNC in order to remove my ex-spouse from the mortgage. I entered into discussions with XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX Loan Officer XXXX # XXXX as to the possibility of obtaining a HELOC for the purposes of paying off the mortgage with PNC if I had enough equity in the property which was not my property of main residence. Based on those discussions I removed {$50000.00} from my retirement savings and paid down the mortgage to a level that was indicated as sufficient for this process to continue. Providing documentation on my financial status I was never given an indication that was an issue with the amounts that I was seeking for the HELOC. due to incorrect information with a credit reporting agency, I corrected the information but PNC Bank required a secure text to take place and was told that after correcting the information it may take up to 60 days for the information to become " active '' but in all likelihood would not take that much time. After 40 days of futile attempts I traveled 4 hours out of state to arrive at a PNC office in another state to verify my identity. At that time I was told and encouraged to open a checking account to XXXX a .25 % reduction on my HELOC application. I did so with the idea that it was a benefit and was also told that it would provide a better pathway for monthly repayment of the loan which seemed reasonable. Today XX/XX/2022 I received a Statement of Credit Denial from PNC for loan # XXXX stating code XXXX proportion of loan balances to loan amounts is too high, and code XXXX Length of time account have been established. I feel I was misled on this process and I have complied with all requirements outlined by PNC. | ||||||
| 09/13/2015 | Yes |
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| I own a house in XXXX area of XXXX in XXXX. I have XXXX Loans on the same.The XXXX used to be with XXXX ( I believe the Investor is XXXX XXXX ) and the XXXX with National City, which is taken over by PNC Bank. ( PNC ) I started my marathon Modification effort with XXXX as soon as HAMP was introduced, in XXXX 2009. I made XXXX Trial Period Payments after which XXXX rejected my HAMP Modification. Luckily for me XXXX sold the Mortgage to XXXX ( XXXX XXXX ). They were kind enough to give me the Trial Period Payment again, which I successfully completed. XXXX XXXX wanted to get the XXXX XXXX from PNC Bank. PNC demanded {$250.00} for this, which I readily agreed and sent the Check for {$250.00} through XXXX XXXX. However I am surprised to learn that PNC refused to give the Subordination Agreement to XXXX XXXX, as mandated by HAMP, although I understand that PNC has signed up with XXXX, an XXXX to participate in HAMP. The reason for their rejection is a lame excuse - The Account was Past Due on XXXX or more occasions in the past ... ... ... ''. When my XXXX Party called, PNC Rep. was very rude and said they will not do a subordination as the Account is delinquent and the account has to be brought current, to give a Subordination Agreement to the XXXX. It looks like a kind of a black mail, they are doing, flagrantly flouting the HAMP guidelines. The very purpose of HAMP is to help home owners like me facing hardships and giving us a chance to get back on track. They ( HAMP ) did not say that the Subordination Agreement is to be given only to such customers who are not delinquent, whoch would defeat the very purpose of HAMP. In the process, my Permanent Modification, which I would have got after a herculean struggle of 6 1/2 Years, is cancelled by the XXXX ( XXXX XXXX ) as PNC refused to co-operate, in total contravention of HAMP guidelines | ||||||
| 05/21/2021 | Yes |
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| On XX/XX/2021. I was scammed on XXXX. I saw a post with an investment opportunity and went for a it. A close friend of mine had posted it, so I was sure that it was okay to trust. I contacted the company and was immediately instructed on how to get started. They asked me if I could put a {$1000.00} deposit down to hold my spot, so I transferred funds from my savings to my checking account and sent it. I then received a call back stating that they were going to red flag my account because I lied about sending them the money! They physically called me to say this. I XXXX the money and theyd help me invest it into bitcoin is what the ad also said. They seemed nice and promising, I thought nothing of it. They asked me to resend it, so I transferred another {$1000.00} to them but this time to a different contact as instructed. These transactions were completed via XXXX. I then reached out to my friend to let them know what I have done, only to be told by another friend that it was a scam. I immediately contacted my bank to report it and was told that because the transactions were pending, there was nothing that they could do and that I should wait the following day. On XXXX XXXX, I went to PNC back to file a dispute and on XXXX XXXX I was informed that my claim was denied because my bank does not protect consumers against 3rd parties like XXXX ( which I had used ). I asked the bank to escalate my dispute and received a call XXXX XXXX only to be told again that my claim is denied and that they ( PNC XXXX does not protect consumers against 3rd party transactions and to only send money to people you know. I explained that I am am very intelligent, do not insult my character, I WAS SCAMMED! They said sorry and hung up. Ive been blocked from using the mobile app, online banking, XXXX and more. I was scammed and they treated me like the criminal. | ||||||
| 08/16/2019 | Yes |
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| On XX/XX/XXXX, I saw that I no available funds in my PNC checking account. I contacted the bank 5 times using their 800 number for an explanation. The call center representatives refused to provide an explanation. My husband and I went to a branch location. The branch representative also contacted the call center. He was told that the account was on Hold and the person that had place the account on hold as not in. No other information was provided to the branch representative. I called my attorney will sitting in the branch office. My attorney told me to have the Branch representative contact PNC's legal department. I asked for PNC's legal departments number and the representative would not provide it. My husband and I left the branch. While driving home, we received a call from the PNC branch representative. He stated that the account had been placed on hold due to individual, posing as my husband, had visited a local branch and had tried to access our checking account. The branch representative told us that the individual could not say our last name. No additional information has been provided regarding this incident. We returned to the branch and the branch manager was finally to get our account off hold and moved to a new account. While we were at the bank, we found out a XXXX check had been written. It did not clear the closed account. We were not provided with any details about the check. We left the bank at XXXX XXXX that night. Despite my husband's identity theft, the call center has not provided any additional information. We need to know exactly what happened and a copy of the XXXX check. We have filed a police report. The call center at PNC bank needs to be closed. The branch did help us but they don't have information about the incident. PNC's horrible call center needs to cooperate with the police. | ||||||
| 07/26/2018 | Yes |
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| Within the last few weeks I've been having a lot of issues with PNC Financial Institution. There have been three separate incidents that have caused me to think that this corporation may not be as reputable as I once thought. My first two issues were temporarily resolved however, this last transaction dispute that I've had with them is the absolute deal breaker. An ACH debit was processed in the amount of {$700.00} on XX/XX/2018 which caused my account to overdraw in the amount of $ XXXX. I was correctly accessed a {$36.00} fee, bringing the balance to XXXX. There were three separate deposits of {$240.00}, {$30.00} and {$2.00} were made on XX/XX/2018. There were then 5 other transactions that went through for a total amount of {$45.00}. Another deposit of {$450.00} was then transferred to the account. The deposit was made at XXXX eastern time which is in fact prior to PNC XXXX XXXX deadline for a deposit to avoid insufficient fees. At XXXX on XX/XX/2018 my account had {$0.00} available as a result of the deposits and transactions throughout the day. On XX/XX/2018 I was accessed two more {$36.00} fees. The {$450.00} deposit that was made on XX/XX/2018 was showing as pending. It has been told to me in the past that if the deposit is " pending '' it is still showing in your account which should prevent from receiving fees. I have reason to believe that PNC bank is scamming their consumers by adding inaccurate fees. Please see my attached documentation that which reflects the each transactions including the deposits. In addition, it has also been told to me by a PNC rep and branch manager that their system is reflects differently than that of which the consumer is able to see via their online or mobile banking. That is unethical because consumers are misled to believe that there accounts are in good standing only to be inundated with fees. | ||||||
| 06/27/2018 | Yes |
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| PNC purchased our mortgage. We DID NOT originate with them. We had a flood in our home which caused over {$40000.00} in damage. Our insurance company listed PNC as party to the claim check for rebuilding. PNC made us send them the check and now refuses to release any funds even though we've completed the work and had to pay for all of it out of pocket. I ( the owner ) performed all repairs myself, with my own hands, yet PNC is trying to force me to buy liability insurance at a cost of {$1000.00} insuring myself against any liability arising from me suing myself ; which is absurd. Further, PNC claims XXXX law requires me to have a license to perform repairs to my own home ; which IS NOT what XXXX statutes stipulate. I have spent approximately 6 hours on the phone with PNC in an effort to resolve the issue. At XXXX point I spoke with a person named XXXX ( XXXX hours on the phone ) and XXXX said, after reviewing our closing documents and speaking to multiple supervisors, that I did not need the insurance and that I could make the repairs myself. Thereafter, when I called back because no check had been sent, the new agent on the phone started from square XXXX saying I had to have insurance and a license. It was as if the previous ( grueling XXXX hour argument XXXX call with XXXX never happened! At this time repairs have been completed but PNC refuses to send their inspector out to confirm completion of the work or to release any funds. Due to PNC 's illegal holding the proceeds from our insurance claim my wife and I have been forced to come out of pocket to pay for the rebuilding of our home and load up our credit cards paying for materials. We incur interest on that debt. A law suit is pending, however, consumers should be aware of PNC 's awful practice of holding your insurance funds hostage after your home has been destroyed by a flood. | ||||||
| 08/28/2022 | Yes |
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| I have bought 6 chairs from XXXX XXXXXXXX XXXX on XX/XX/2022 and I paid with my PNC bank debit card from my checking account. When I got home and looked at the chairs one of the chairs was defective from manufacturer and damaged and had a broken leg and severe scratches on one side. It is dangerous for a person to sit on it so its useless and NOT fit to be used. I called the company and they refused to refund me my money and they refused to replace it. The company XXXX XXXX XXXX scammed me and committed fraud by selling me a chair that is defective and dangerous for my family to sit on it and they did not tell me that this chair has a major defect in it so I disputed the charge for that defective chair which is around XXXX dollars but PNC bank denied my claim and dispute. And they charged my checking account back for the disputed charge and that is very wrong from PNC bank. I was scammed by a furniture company and they charged me for a defective chair and damaged and scratched. The defect in the chair is from the manufacturer and is very severe and the company NEVER disclosed that defect to me and should NEVER have sold the chair to anybody because it is dangerous to sit on. PNC bank needs to honor my dispute for XXXX dollars and give me that money back into my checking account. This is a legit dispute of a charge from a scammer and a fraud company. They scammed me by selling me a defective and dangerous chair without disclosing that defect PNC bank reference number for this dispute is XXXX Account ending inXXXX PNC bank has the worst customer service quality and they never help us customers and PNC bank should protect us customers from fraud and scammers like this company XXXXXXXX XXXX that sold us a defective and dangerous chair The disputed charge should be honored by PNC bank and they should refund me that money for XXXX dollars | ||||||
| 09/10/2021 | Yes |
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| Hello CFPB, I am a XXXX year old with a credit score of XXXX and recently applied for my first credit card at PNC Bank. I signed up for the XXXX XXXX PNC Credit Card and got back an interest rate on my card of 23.99 % on the scale of 13.99 % to 24.99 % which was shown on the marketing materials. I was given a mailing from PNC saying that my credit score was XXXX and verified saying that my credit was better than 45 % of consumers. I thought the interest rate they gave me was very poor considering my credit history, so I called them and talked to XXXX about this issue. He said that PNC Bank typically gives everyone a rate in the higher range of the interest bracket including himself. He said that he has a credit score of over XXXX and he still is given a rate over 24 % consistently with PNC 's credit cards. He suggested I talk to the credit department to find out more. I was transferred to XXXX who explained to me that the rates are high, but are decided based on the prime rate of 3.25 % at this time and then PNC multiplies this number by a margin multiple which allows them to make money on credit card debt. It turns out this multiple is actually very similar for all PNC customers regardless of their credit score. Additionally, once a credit card is created, it is impossible to ask for the rate to be changed within 6 months according to the employees. PNC should not be allowed to market their credit cards with a range down to 13.99 % if they always put people in the top quarter of interest rates. This is false advertising and is damaging to consumers by making them think they have a chance at getting a good interest rate, but always giving them a poor interest rate regardless. I left my formal complaint with both XXXX and XXXX who she transferred me to. I would like CFPB to fix this issue that credit card consumers have. Thanks, XXXX | ||||||
| 10/27/2020 | Yes |
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| S everal times in the past 3 months, I've been charged overdraft fees by PNC bank, even though as of midnight the night before, there have been no pending charges or posted charges on the account which put the account into a negative balance. THEN, the next day ( generally when I wake up and check my account - XXXX or XXXX ), I'll see a transaction show as posted to the day before, in some cases multiple transactions, and overdraft fees of {$36.00} for each transaction. PNC 's response is that the transactions show as posted the day before. In this most recent case, today is XX/XX/XXXX. As of midnight last night, or just before, XXXX, my account had a balance of {$.00} cents. I woke up today to see a balance of {$460.00}. Overnight, my unemployment funds from the state of NY were deposited into my account, {$500.00}, BUT a {$7.00} charge ( again which did NOT show up in any way shape or form in the account on XX/XX/XXXX ) shows up as " posted '' on XX/XX/XXXX, and an overdraft fee of {$36.00} was assessed. The math here is {$500.00} - {$7.00}, resulting in {$490.00}, minus the overdraft fee of {$36.00}, leaving {$460.00}. I've discussed this with two different CS associates at the bank, and had the issue escalated, only to be told they are not allowed to issue a " courtesy refund '' of the fee. I don't see how this is even a courtesy, I can't ensure funds are in my account to cover charges which are not there. As far as I know, I have {$500.00} coming into the account the next morning ( today ) and a balance of XXXX cents at XXXX the day before, how am I not covered for a {$7.00} charge coming in? This {$7.00} was an outstandig ACH transaction, which could obviously be debited at any time, but it wasn't debited on the XXXX, so it's unfair I be charged a fee just because a charge appears the next day with a retroactive posting date. | ||||||
| 04/26/2019 | Yes |
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| I had 3 different HELOC loans on some of my rental properties that ultimately ended up at PNC Bank. These have always been paid on time and I believed that all 3 were paid off. I received notice that PNC had reported me late. Because this information is unaccessible online for some reason with them, I contacted them by phone on XX/XX/19. Upon reaching customer service and giving them my name, the address and my social security number to look up my accounts, I was told that that was not enough information to give me balances. I am not sure how they expect me to pay off the accounts if they will not tell me the balances. After arguing with the agent, I requested a supervisor. The Supervisor was arrogant right off the bat. She wanted additional information over and above my name, social security number the address and even the account number that I had for one of them. She now needed the original balances on the accounts. These loans were made 15 - 20 years ago. There is no way I know the original balances. After telling her that I was filing a complaint and would like a copy of the recording of the conversation she told me to get a court order. She then said I could tell her the last payment that I made on each account. Again this was months ago and my online banking no longer has this info without going to paper records. ( this is an entirely different issue, but another way banks are not helping the consumer ) She finally gave in when I gave her all 3 addresses and gave me the balances. 2 had been overpaid by several hundred dollars and one was short {$19.00}. Instead of applying the overage funds to the short account which I thought was paid in full, they chose to report me late to the credit bureaus. What a lovely policy to XXXX the consumer. This is the most arrogant unhelpful lender I have ever had the displeasure of working with. | ||||||
| 09/11/2015 | Yes |
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| On XXXX/XXXX/2015 at XXXX I withdrew {$240.00} out of my checking account. the AtM receipt said that I had {$1.00} available in my account the next morning at XXXX I recieved a email stating that my account was overdrawn on XXXX/XXXX/2015. I called the telephone banking center at around XXXX XXXX/XXXX/15 and spoke with a customer service rep. she could not give me a reason, as to why my bank account was overdrawn except that I had withdrew the money out. She told me to take my receipt when I had some time, into a branch so they could look over and explain what happen and reverse the fees. On XXXX/XXXX/2015 I stop in the branch close to my home. I explain to the teller what had happened and showed the the receipt to the teller, so the they could see the mistake was on their end and they need to reverse the fees. the teller told me she need to get an approval from a supervisor, she came back and introduce me to XXXX XXXX XXXX Branch Manager who look over my entire account and notice that PNC had to reverse fees in the past for mistakes on their end or just over charging in fees not more than a month prior XXXX for a overdraft of XXXX he then told me he was not going to reverse the fees because the system does n't always reflect the correct amount that 's in your account and that I should have keep a written log of my spending. I showed him the receipt again and ask " so I 'm not suppose to trust what your receipt printed out of your machine I should have kept better bookkeeping and this is my mistake ''? I asked for the printout and who was his supervisor he told me " no one could change his decision '', I replied " are you trying to be difficult, I just asked for your supervisor number ''. He then wrote on the back of his business card XXXX XXXX name and number I put my items back in my purse and left the branch without any resolution. | ||||||
| 07/02/2020 | Yes |
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| During XXXX of XXXX {$65000.00} disappeared from my account. I talk to the representatives on several occasions, but they could not find out about the account. The representative that open my account was no longer there. I was a XXXX and I had a donation that was given to my Church. However, my Mother passed away, and some how the individuals that she took care of in her home ( XXXX XXXX ) was confused and considered as family members. After several times going to the bank, they stated that they had been threaten ; therefore it was necessary to go to the corporate office. Hence, I called the corporate office and told them about the incident, and that each time I go to the bank, I was being followed, with the bank representatives feeling the same. The corporate office stated that they would do an investigation, however, I have not heard or received my funds that were donated to my Church at the time. I have lost my Church and the money. Additionally, my funds were being diverted to someone else in the bank which is the same family that stole my funds. I would pay my electric bill with my stipend check while in graduate school, and each time my bill would not be paid and the money would disappear. The attorney general placed a watch group over my XXXX XXXX XXXX and they stated that each time that I would pay my electric bill, the payment would disappear. My bank account was with PNC ; therefore I suffered living with no electric and experiencing detriment to my health. I continued depositing my check, when I would receive my stipend, because I did not know what was going on. However, one of the bank tellers would not deposit my check, and I could not understand why ; and found that when I cashed my check ( I put the money on a card ) and paid my bills with cash, the money was not stolen. PNC Bank at XXXX XXXX XXXX, XXXX, KY XXXX | ||||||
| 12/04/2018 | Yes |
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| On XX/XX/XXXX, I noticed an unauthorized transaction of {$470.00} pending on my account. I called PNC and told them I did not authorize that transaction, so Im requesting that they not pay it. They said there is nothing they can do until the payment is posted. I waited overnight for the payment to post, and hoped they would have listened to my request, ESPECIALLY BECAUSE I DID NOT HAVE ENOUGH MONEY IN MY ACCOUNT TO PAY THE TRANSACTION. Any reasonable person would have thought that if the customer called in about the transaction, and said they didnt authorize it, AND there is NOT SUFFICIENT FUNDS TO PAY THE TRANSACTION, AND, the BANK HAS THE DESCRETION OF RETURNING THE ITEM, as they have done in the past, why would the bank choose to go ahead and pay it with THEIR FUNDS,, then CHARGE ME ALL KINDS OF FEES, and put my account into a state of overdraft. PNC HAS THE DESCRETION OF EITHER PAYING OR RETURNING AN ITSM, FOR WHICH THERE IS NOT SUFFICIENT FUNDS. PNC CHOSE TO PAY IT, EVEN AGAINST MY WISHES, WHICH THEY KNEW ABOUT BEFORE POSTING THE TRANSACTION. I called and filed the dispute after the transaction was posted and the bank told me they can not do any conditional credit until the 10 days it takes to process the dispute, while PNC Bank will charge me DAILY fees until they resolve the dispute! Now ALL my scheduled transactions will be returned, including my car insurance, just because PNC decided to use their funds to pay a transaction I told them I did not authorize, and there was no money in my account to pay it and my account is messed up. PNC could have issued the conditional credit, and I could have deposited the smaller amount the account would have been overdrawn by, and my account would have been fine. Now, I do not have the use of my account because PNC decided to use their money to pay a transaction I alerted them about. | ||||||
| 12/11/2017 | Yes |
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| On XXXX XXXX I had a cashier 's check mailed to me and I went to my PNC Bank to cash the check. They cashed it. The check amount was {$1300.00} to go towards a XXXX XXXX XXXX I was selling. {$300.00} of that was for my XXXX XXXX XXXX and the rest was to be transfer from XXXX to XXXX. The man that sent the check was named XXXX XXXX. The transfer was to go to an XXXX XXXX, XXXX TX XXXX. On XXXX XXXX XXXX XXXX XXXX sent another Check in the amount of {$1600.00}, he stated the check was not enough for the movers to come get the bed. Now this check was shipped XXXX witha different name ( XXXX XXXX ) So I went to my XXXX XXXX to cash that one and the same teller that deposited the last check was doing what she needed on the computer and then she said hold on for a moment please. She went and whispered to another teller and then came back and said I can not cash for you, she stated I could go to XXXX XXXX XXXX where the check is issued from. This bank teller never told me my account was empty? in the red! So while I 'm almost out the door one of the rep 's stop me and I told her what 's going on and then left. Well she checked my account and called me. My account was wiped clean. She stated the check never should have gone through because it was a cashier 's check and they have to be signed, not stamped like this was. So, I went to the police, filed a complaint with the XXXX Nj Police. I then proceeded to call a supervisor of PNC, gave her all the info. Her name is XXXX XXXX XXXX. She got back to me and said the bank can not help me. I have no Christmas with my Family now. I am unable to do my food shopping for the month. I live on XXXX. The bank wants me to pay all the money in the red {$1100.00}. How can I? We are supposed to be able to trust our Financial Institute to keep our money safe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX | ||||||
| 10/12/2021 | Yes |
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| PNC and BBVA bricked my bank account. They also misled and deceived me into thinking there would be no interruption of service when they knew there would be. BBVA notified me via email on XX/XX/2021 that BBVA is merging with PNC, stating : " Its official, we can now share with you that BBVA USA is part of PNC. **There is nothing required from you. Continue to bank as you do. ** Over the next few months youll receive additional communications from PNC. '' ( ** indicates bolded original text. ) On Friday ( XX/XX/2021 ), when I tried to deposit several checks and transfer funds to and from the account, I found both the BBVA mobile app and their website to be in " view only '' mode. I have since been unable to use my account at all. They gave no warning ; in fact on the contrary, per the statement above in bolded text saying, " There is nothing required from you. Continue to bank as you do. '' That was, it turns out, totally misleading and deceptive marketing, and in fact is patently false. In trying to resolve the issue I downloaded the PNC app, hoping to be able to log in there, but after several attempts ( using the same credentials as I use to log into BBVA, per their instructions ) they froze my account. Scouring the BBVA website for any help, I found an FAQ article stating that as of Tuesday, XX/XX/2021, PNC would 'begin transitioning accounts. ' No indication as to when I might be able to use my account again. Checking their website again right now shows, " The conversion of BBVA USA customer accounts, products, and services to PNC is anticipated for XX/XX/2021. '' We're nearly halfway through XXXX. I have even checked my spam folder to see if I've missed any " additional communications '' from PNC as advertised initially, but there is nothing there. In short, BBVA and PNC bricked my bank account with all the money in it. | ||||||
| 01/03/2017 | Yes |
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| My XXXX account was hacked on XX/XX/2016. XXXX sent me an email stating that there had been unusual activity ( which was someone logging in from New York ) and they deleted one of my consumer accounts but also made a payment from a checking account that was linked to paypal and made a payment to my paypal credit account. PNC was closed in observance of the holiday on XX/XX/XXXX when this all occurred so I called them first thing this morning. I spoke with an agent by the name of XXXX who said that the pending unauthorized ach transaction could be canceled but the merchant would have to call XXXX. I called XXXX and the representative with paypal whose name was XXXX and I called and was told that the number we were given was for debit card transactions so they gave us the number for general customer service. Called and spoke with a XXXX who stated the pending ach transaction in the amount of XXXX could n't be rejected it had to post first and then I would have to call back and dispute it. The merchant asked if I provided a letter that she had just emailed me could that speed up the process because it definitely was n't an authorized transaction. The agent stated no. I asked for a supervisor. He reached out to his retail escalation who told him we had to wait for it to post. Again I had the merchant on the phone confirming it was fraud. I have a letter confirming it was fraud. If I was a high end customer who had got hacked they would have rejected the ach transaction. I know the ach transaction can be rejected so why should the account be subject to overdraft fees and a waiting process for a dispute that may or may not give a provisional credit. This is so disheartening as a consumer to be violated by a hacker and my bank just brush it off like they did AND on top of that stating to me that I will have to call back. Just ridiculous | ||||||
| 09/05/2015 | Yes |
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| My hardship involves a variety of factors. My hardship was triggered with job layoff several months ago. It was compounded by with me having to move from XXXX to XXXX to find new employment. While the factors above are indeed significant, they pale in comparison with the biggest hardship of all. Despite making mortgage payments for approximately 10 years, I have absolutely NO equity to show for it. This has been a lopsided agreement, PNC has reaped all the financial benefits and I have n't shared in any of the harvest. I 'm underwater by $ XXXX. This is based on XXXX XXXX market analysis assessment. Over the years, I have paid PNC XXXX dollars for this property with absolutely nothing to show for it. A reasonable person would call this insanity and financial suicide. If PNC were in my situation, they would find this difficult to endure. Through no fault of my own, I find myself in this nightmare situation. As you know, the Banking Industry, Mortgage Companies, Investment Houses, XXXX, and Rating Agencies worked in concert to cause the Housing Crisis. The product of your efforts resulted in XXXX XXXX citizens like me having nightmare mortgage situations. The US Government bailed out XXXX XXXX and the Banking Industry and for the most part left XXXX XXXX out in the cold. PNC predecessor company, XXXX XXXX XXXX XXXX XXXX XXXX, played a prominent role in this nightmare. PNC purchased my original loans from XXXX XXXX XXXX. XXXX XXXX XXXX track record for bad mortgages is well documented and resulted in Class Action Lawsuits. Minorities like me were particularly hard hit with these bogus mortgages. Citizens like me have suffered far too long without any help, despite our pleas to Banks, HARP and other agencies. I urge PNC to please take this opportunity to do what is right and change this course of destruction. Let 's get this done. | ||||||
| 02/19/2022 | Yes |
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| The creditor XXXX has been reporting false and inaccurate information regarding old student loan debt to all three major credit bureaus. After filing initial claims against their reporting in XXXX, the creditor sent threatening letters stating that payment was due immediately or that I would be sued in court for the debt. When I disputed their claims again they sent a threatening letter demanding that I file a police report regarding my claims or to risk legal repercussions regarding the debt. More recently on XX/XX/XXXX after speaking to the creditors Loan Representatives to dispute their claims and requesting payment and billing information which was refused to me, the creditor is now furnishing even more false and inaccurate information with the three major credit bureaus intentionally to damage my credit standing. One agency as dropped my credit score XXXX points do to the negative/false inaccurate information. The accounts managed by this creditor is closed, but they have recently begun reporting the debts as open and with current missing payments. This reporting status means that the creditor is attempting to collect a debt in direct violation with the Department of Educations Pause on Student Loan collection, which covers defaulted student loans. This is also a violation of the stop collections protections given under the borrowers defense to repayment claim which was filed on this loans by XXXX. The accounts are also listed as charged off but theyre still carrying a balance. This creditor has also violated FCRA and FDCPA consumer protections in their reporting and attempts to collect on the alleged debts. I ask that XXXX be reprimanded for these actions and practices under applicable laws. I also request that this creditor remove all accounts/information regarding this inaccurate debt with all credit bureaus immediately. | ||||||
| 10/16/2019 | Yes |
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| On XX/XX/XXXX, I, XXXX XXXX received yet another telephone call from PNC Bank regarding an Student Spend Account that was opened for my son when he was approximately XXXX-years-old. Once my son turned XXXX-years-old, he and I both visited the PNC Branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My son ( XXXX ) and I, XXXX XXXX completed the required documents presented to us by the PNC Bank representative to close the Spend/Student Account and to Remove my name ( XXXX XXXX ) from the account. We left the PNC Bank thinking that the Account had in fact been closed after both, my son and I signed all the documents presented to us. This attempt to closed the account occurred approximately one and a half ( 1 1/2 ) years ago in the earlier part of XXXX. The account was never closed, and PNC Bank continues to harass me, XXXX XXXX, when my son overdrafts this account that should have been closed almost 2 solid years ago. Initially PNC indicated that the Student Account would not accrue late fees. Currently, the account is nearly {$600.00} over drafted due to late fees and all sorts of other charges. I have made multiple visits to PNC Bank and I have talked to PNC Bank Managers, and all PNC Bank Representative continually tell me that both I and my son need to visit the Bank a second time because the PNC Bank Representative that initially process the paperwork to Remove my name from the Account misplaced the documents. This is nothing more that a ruse for PNC Bank to illegally charge my son Overdraft fees. Opposed to closing the account, PNC allows the account to stay open simply to collect illegal overdraft fees. Please assist me in closing the Student Account and get me name Removed once and for all from my son 's Student " Spend '' Bank Account that was not supposed to be charged any late fees. Sincerely, XXXX XXXX. XXXX | ||||||
| 06/12/2015 | Yes |
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| As a way to improve my credit score, I signed up for a PNC credit card. I already had a bank account with them and they had been sending me offers through the mail. The idea behind this was to both raise my credit ceiling, improve my debt-to-credit ratio and to take advantage of a 1-year 0 % APR offer. I opened the card XX/XX/XXXX. But the card they gave me only had a {$1000.00} limit. My total credit card was about {$3000.00}. When I received my credit card package, I was first told that I had a 60 day grace period to move balances. So, immediately I moved over {$1000.00}. I paid it down and called back at about the 6-week period. An associate then told me that I actually had until XX/XX/XXXX to move over balances. So yesterday ( XX/XX/XXXX ) I called back and they told me it was actually a 90-day period through XXXX XXXX. But that I was still within that window if I wanted to do a transfer. We had gone through the transfer prompts and I had given her the information. Right before we completed the transfer, she told me that since I had just made a {$220.00} payment, she suggested I called back the next day to make sure that that had gone through. When I called back today, they told me that I had missed the 90-day period by 5 days and that there was nothing they could do to change it. What I do n't understand is how the woman was able to nearly complete my transaction yesterday, but today nobody had any recollection of it nor could they replicate it or show any record of the interaction at all. If you take them for their word, it shows that their phone tellers are absolutely clueless. If you look at it cynically, then it looks like there was an effort to stop me from utilizing the 0 % APR offer to my advantage. Unfortunately, I got the reference number for today 's call : XXXX. Yesterday, I had n't foreseen any difficulty. | ||||||
| 08/23/2023 | Yes |
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| We asked PNC Bank to cancel our escrow account and allow us to pay local taxes and insurance, leaving only the principal for us to pay to PNC. Later we received a document from PNC requesting our signatures to consent to the cancellation of escrow. It included a fee of {$250.00} to close the escrow account, which PNC claims in CAN charge according to law. However, the law doesn't say they MUST charge a fee, only that they CAN. In addition, nobody from PNC will tell me what this fee covers. I requested that the fee be waived and PNC says they only waive a fee if they have mistakenly charged it. We feel this fee is an insult to us as a customer of the bank -- -a fee that is being charged so that PNC won't have to do work servicing our escrow account from now on. In other words, " Pay us a fee so that we don't have to do anything in the future other than cash your principal check. Pay us to do LESS work. '' PNC will also not tell me how they make money through the purchase of loans ( ours originated with XXXX XXXX ) and when the loan was sold, we didn't receive a consent form that asked if we wanted to continue payments into escrow. Their logic is, " We don't make money from your escrow account ; we make it by servicing your loan '' -- -but what does that even mean? Somebody is making money somewhere, but PNC agents can not seem to answer how/who/where this is being done. Is their profit more than {$250.00}? These fees are not only an insult to customers, they are immoral and should put anyone who may be contemplating working with PNC Bank on guard from a consumer standpoint. Banks have already been fined or slapped on the wrist for charging excessive fees -- -and in our case, this fee is " just because we can '' and mysteriously doesn't apparently cover anything other than a keystroke by a member of their escrow division. | ||||||
| 05/18/2023 | Yes |
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| Hello, I had an old account with compass bank. When PNC bank bought compass I decided that was the best time to finally close that account. We moved all our bill pay to a new bank. I went into the branch, and closed all my accounts. There was an overdraft protection line of credit for the checking account. Somehow that didn't get closed and somehow a auto draft for a life insurance policy over drew the account by a few dollars and hung the loan out there. The bank called and said I owed {$25.00} or {$50.00} but could not tell me why. I went back and forth with the bank for months and 3-4 different people to get to a manger that could actually tell me what the fee was related to. At that point I was done being harassed so I agreed to pay {$50.00} to resolve it. They said I could only do it in person at a branch. So eventually went by a branch to resolve and they said they couldn't find the information and didn't know much to charge or how to resolve it. I continued to receive phone calls regarding this and finally I was able to make a payment over the phone to resolve the issue. It was a painful runaround that was complicated by PNC 's takeover of BBVA. It is an absolute outlier situation complicated by big business, new employees and and wasted thousands of dollars of people 's time. Over such a small amount. Info below from my bank. I need PNC Bank to have the late payments removed from my credit report. The charge off was {$3.00} Here is the information that PNC reported on your check line reserve. Per our conversation, you had closed out the checking account at PNC and the auto draft for {$25.00} for life insurance continued to debit which then pulled from your check line reserve. o Explanation for the late payments on check line reserve ( 2x30 days, 2x60 days, and 6x90 days ) for PNC Bank loan ( acct ending in XXXX ) | ||||||
| 12/14/2021 | Yes |
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| The nature of this complaint arises from the consumer ( XXXX ), being Hacked this past Friday. XXXX, was the victim of a scam as a result of being a XXXX XXXX customer. It appears that someone was trolling the XXXX XXXX and I was called back five minutes after dealing with the XXXX XXXX concerning a printer issue. Henceforth, XXXX was vulnerable to these financial crimes. XXXX learned this past Saturday, that the criminals hacked into his computer stolen the sum of {$400.00} and of that sum, monies {$150.00} were transferred to a online Bank using XXXX XXXX that operates in the virtual world. XXXX alerted his Bank ( PNC Bank Fraud Unit ), that Saturday. The Fraud unit took the report and locked his account. XXXX was told to go the the branch and open a new checking account and obtain a new ATM card. On MondayXXXX, XXXX did just that. The Branch Manger ( XXXX and his Associate, XXXX ) were on the phone to the Fraud unit for over an hour. XXXX, then suggested, he would call at home ; XXXX was on the telephone for Three Hours awaiting to speak with a Representative of PNC 's Fraud unit to unlock his old account and transfer his funds to the new account. The essences here is, XXXX was on the telephone on XX/XX/2021 for two hours trying to get his electronic banking set up and to get a explanation why PNC placed a hard hold on a check for {$42.00} in change or there about. There were plenty of funds to cover this check. XXXX has no- access to his money in his savings or checking account. He is told, that no one wants to work, and PNC is saving excessive amount of money running a Bank on a shoe string at the expense of the customers. This is clearly, unacceptable and not something any customer should tolerate. I can not buy the argument that no one wants to work. Maybe, it is the Bank does not want to pay, or hire older candidates. | ||||||
| 01/05/2019 | Yes |
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| In late XX/XX/XXXX, I got a loan to purchase a truck for my new business, get windows for our home and pay the balance off of my PNC Credit Card. At the time, I thought my balance was {$6000.00}, so that is what was sent to PNC. However, this left a {$37.00} balance that I was unaware of until I received notification from them of a past due notice dated XX/XX/2018. After calling customer service, I found out that {$66.00} in interest and late fees had been added, and we were turned into the credit bureau for late payment. However, we had never received a notice about a balance due prior to this. I was told by one Customer Service Representative that we were enrolled for paperless bills, which was untrue ... up until my loan payment, I always received statements. After a lot of back and forth, they did remove the late fees but refused to help with my credit score which dropped 30 points from them turning me in. I proceeded to file a complaint with the online customer service center of PNC online banking. I was called by someone two days later only to be treated very rudely. The person told me a different story, saying the statements showing we had a balance were mailed out to the proper address, and it was my responsibility. Also, I had an online account therefore I should have looked to make sure there was no balance. Why would I look when I was under the impression it was paid off. What is the likelihood that I missed 3 bills from them? And this is completely different from what the first customer service rep told me. I have always paid my bills on time. I have a joint checking account with them with my wife, we both have credit cards, and I have a business account and credit card with them. Yet, they will not lift a finger to help resolve this unfair black mark to a credit score I have worked hard to keep in good standings. | ||||||
| 12/15/2018 | Yes |
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| I have an auto loan with PNC Bank Pennsylvania ( headquarters ). My car note is due every XXXX of the month and I've never missed a payment nor been late. PNC has double standards of accepting payments. I've only personally made one in person checking account payment. The rest were paid by debit card. On XX/XX/2018. I initiated contact thinking this Saturday was in fact the XX/XX/2018 and found out that I was a day late. I have explained to PNC my confusion dilemma in getting the dates mixed up and attempted to make a payment as usual by debit/credit card. PNC declined. I'm making payment from a different card than what's on file and couldn't provide the account and routing # s while on the road and PNC declined to take my card payment as I attempted to make my card payment as I've always done since XX/XX/2018 when I traded in a XXXX for the XXXX. I filed a complaint, was promised a call back from managers who never returned my calls, went through to escalation managers and they refused to take my card payment. I've made numerous card payments over the phone as I mentioned earlier since I acquired the loan in XX/XX/2018. In fact the only major form of payment I make is by card and somehow they refused to take my card payments while it dwindled on for the next couple of days while I work out my card payment solution. I want to get out of PNC but the loan they gave me according to other banking institutions were bogus and are refusing to buy me out PNC. I have called 8 times to PNC this XX/XX/2018 at XXXX, XXXX, XXXX,, XXXX, XXXX, XXXXand XXXX respectively and XXXX to make a card payment of $ XXXX.++ ; yet no manager called me back and was transferred from department to department in the attempt to resolve my card payment dilemma yet by the end of the day, my payment was not received because PNC refused to take my card payment. | ||||||
| 08/31/2018 | Yes |
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| on XX/XX/XXXX became aware that PNC bank had not set up autopay for the {$7.00}. I was travelling, called in PNC spoke to account rep, who said it was taken care of. On XX/XX/XXXX I got notice that my credit score dropped from XXXX Excellent to ( depending on agency ) between XXXX to XXXX. I called in again, I spoke with a recovery manager, XXXX, who said he had updated the information for the credit bureaus, and listed it as a bank error and NOT my delinquency. I was told this process would take at least a full billing cycle to correct, and PNC would not provide me with a letter confirming the bank error and not my delinquency. XXXX said, credit bureaus would update faster than PNC being able to provide me with a letter acknowleding this bank error. This is absurd. I've never been late even 1x, nor ever deliquent. I use only 4-5 % credit. The amount now was {$27.00}. When I travel, my usage can be higher and I ALWAYS pay it down when I return and NEVER pay minimum payments. this is totally unacceptable. It is a bank error and I have to wait 30 days or longer to get this to update on the credit bureaus. I need to apply for a loan now not next month. I have filed disputes with them, XXXX and XXXX. why can a bank, acknowledging it was their error, be allowed to get away with affecting someone's credit this way and not fix it immediately? I called again, They put me through to XXXX in Escalation department ( XX/XX/XXXX ). Although everything is in the record, she had to research what was in the record ( not complicated stuff ) and promised a call back. I called again and the bank said she would call me by XX/XX/XXXX at XXXX. another absurdity. My loan interest rate will be significantly higher because of this error and their error is a major cost to me. they need to update IMMEDIATELY for their error and not have me wait. | ||||||
| 08/31/2018 | Yes |
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| My complaint is about Refinancing a vehicle ( XXXX XXXX XXXX XXXX ) through PNC Bank, PNC bank then sent a check to XXXX XXXX for the pay off, however they sent the check to the wrong account. This leading to it effecting my credit drastically. I refinanced my vehicle XX/XX/XXXX. XXXX specialists name is XXXX XXXX. Address is PNC bank XXXX XXXX XXXX XXXX PA XXXX Since refinancing on XX/XX/2018 I have received XXXX billing statements from XXXX XXXX. The first bill was a general bill, ( when reviving the first general bill without late fees and charges I immediately reached out to XXXX XXXX. I then continued to receive bills from XXXX, the second and third bill both had late fee charges making my account passed due when all of this should have been paid off by PNC bank. XXXX XXXX is stating they are not at fault for my credit dropping because they can no longer locate the check PNC bank incorrectly sent out to the wrong account, which means PNC would be at fault for all the issues I am having since refinancing with PNC bank. XXXX XXXX was contacted again XX/XX/XXXX to inform him of the late payment notice from XXXX financial. On XX/XX/XXXX he replied stating he spoke with XXXX XXXX and stated nothing negative would happen to your credit XXXX. On XX/XX/XXXX you received the notice and I called PNC and spoke to XXXX in the escalation department. She stated she would get the loan and your credit XXXX corrected. Havent heard back from yet. It is now XX/XX/XXXX and I have received yet another bill from XXXX financial to bring it to a grand total of {$630.00} and my credit is still being effected. To date the loan is in default and impacting my credit XXXX despite the conflicting responses from PNC. Also noting that I have paid XXXX LOAN payments with PNC Bank since XX/XX/XXXX when refinancing my vehicle through them. | ||||||
| 02/25/2016 | Yes |
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| I purchased an item from XXXX XXXX XXXX. It was shipped by a third party shipper that was recommended by XXXX 's. When I received the item I tried to return it because it was damaged and not as described by XXXX 's. However, there was no damage to the packaging. The damage occurred at either XXXX 's or the shippers prior to shipping. At this point XXXX 's was unwilling to take the item back and tried to pass the blame to the shipper ( see " MyResponseToPNC.pdf '' ). I then contacted my credit card ( PNC ) companies dispute department and started a chargeback process on both the shipper and XXXX 's. After the chargeback process was started XXXX 's was then willing to accept the item back ( see " MyResponseToPNC.pdf '' ). However, at this time my credit card company ( PNC ) did not want me to ship the item back to XXXX 's even though they were willing to take the item back. The shipper after receiving the chargeback emailed me and stated there was no further payment due and the chargeback was accepted XXXX see " MyResponseToPNC.pdf '' ).. I then received a letter from the PNC credit card dispute department requesting immediate response to the response that XXXX 's ( see " MerchantResponse.pdf '' ) supplied to the chargeback. I furnished that information to the PNC dispute department outlining the multiple conflicts of fact and it is attached as " MyResponseToPNC.pdf ''. I did not receive any communication from the PNC dispute department regarding the chargeback to XXXX 's from the time that I submitted the " MyResponseToPNC.pdf '' on XX/XX/2016 until the rebill showed up on my credit card on XX/XX/2016. The occurrences that have transpired since XX/XX/2016 are outlined in the document " OccurrencesOfRebill.pdf ''. This clearly shows that PNC is at fault regarding this business transaction and have charged me for their error/s. | ||||||
| 02/16/2021 | Yes |
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| Our loan originally with XXXX XXXX was sold to PNC. XXXX paid our homeowners insurance in error as part of a bulk payment to XXXX XXXX XXXX XXXX XXXX Before XXXX made this error, we had already paid our insurance policy separately on XX/XX/XXXX. 2020. XXXX 's error resulted in a double insurance payment for 2020 with XXXX asking us to ask the insurance company to refund XXXX 's money. However, just after this double payment, the error was transferred over to PNC Bank, rather than being resolved when our mortgage was sold in XX/XX/2020. Instead of a resolution, XXXX and PNC created an escrow on the account for their incorrect insurance payment. My wife and I have spent hours calling all three parties ( insurance company, XXXX, and PNC ) and emailed PNC numerous times to ask them to remove the escrow from our account. We have emailed proof of the error ( email from XXXX ), plus a Credit Card Statement as supporting evidence to show that payment had been made twice and there should not be an escrow. After months of this process between the three entities, PNC still refuses to remove the escrow from our account. Now, essentially the escrow is asking for a third payment for the insurance. We pay a fixed amount each month which includes a additional principal payment. When the banks added the inaccurate/unnecessary escrow to our account, it reduces the additional principal payment and increases the net interest collected by PNC. Again, instead of the banks correcting their error, they merely added a second error and pass the issue between various departments and never answer or address the issue of correcting the error and eliminating the escrow. PNC is not taking accountability for their errors and are not responding to consumer outreach. Any help you can provide will be greatly appreciated. thank you, XXXX XXXX XXXX XXXX | ||||||
| 07/10/2015 | Yes |
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| I obtained a mortgage through PNC bank. There are XXXX things that happened during the course of the mortgage process, XXXX is questionable, and the other is my specific complaint. The first packet of contract documentation had my interest rate set at 4.875 % instead of the 4.5 % that we agreed upon. They told me that it was a computer error where the .375 % was automatically added onto the original 4.5 %. My loan officer told me that he sent me an email stating there was an error, but I never received any communication to that effect. Had I not read the contract before signing, the 4.875 % would have stayed ( I am a XXXX home buyer ). The week prior to my closing date PNC 's appraiser said made a note about a front step of my house being a potential stepping hazard. The underwriter then delayed the closing by requiring the seller to remedy the issue. This pushed the closing date back a week. The original closing date was XXXX XXXX. A contractor fixed the problem on XXXX XXXX and the house was reappraised and approved on XX/XX/XXXX. The new closing date was XXXX XXXX. After XXXX on Thursday XXXX XXXX, I received a call from my loan officer stating that he had just sent me the final breakdown of costs for the closing via email and that he wanted to review it with me. Upon reviewing the documentation, he tells me that the bank charged me {$1500.00} for an extension of the interest rate that allegedly expired XXXX XXXX. I asked the bank how long the rate was locked in and they said XXXX days. I did not sign a contract with them until XXXX XXXX, which would have locked it in until XXXX XXXX. My main contention is that I was not told of the interest rate expiration or disclosed of the substantial fee until the call the night before the closing. I was moving into town from XXXX hours away and felt coerced into accepting the fee. | ||||||
| 07/05/2022 | Yes |
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Web | Servicemember |
| In XXXX of XXXX my husbands job was furloughed due to Covid. In XX/XX/XXXX we entered into loan forbearance for our mortgage due to the federal Covid relief plan that was in effect. Our loan was in forbearance until XX/XX/XXXX when the program ended. We were instructed by our lender, PNC, at that time to apply for loan modification which we did immediately, the day the program ended. The federal Covid relief plan outlined that any missed payments were to be tacked onto the backside of the mortgage. I have also checked with numerous other companies and lenders to see if this is/was their practice or knowledge, which it was. Our mortgage lender, PNC, is now saying that the loan modification or amending the mortgage is and was actually never an option and they are demanding all 18 months of forbearance payments in full or our house will be foreclosed on immediately. So there are demanding {$40000.00} paid in full, due immediately, no exceptions. So even though PNC were the ones to offer the Forbearance, Covid assistance, there really was no assistance. How would someone have 18 months of mortgage payments readily available if their job has not been paying them for the past 18 months?! PNC is intentionally misleading their customers and not abiding by a federal law that was set up to protect consumers that were being effected and are still being effected by Covid. We have told them that we can make arrangements to pay anything and everything in escrow, we can pay whats due from XXXX XXXXcurrent ( which they had told us not to pay until the modification had been processed ), that we can pay a portion of the {$40000.00} but not all of it. They are unwilling to work with us at all or make any kind of arrangements to resolve this situation that they put us in. We are literally willing to entertain any and all compromise options. | ||||||
| 09/15/2022 | Yes |
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| In XX/XX/XXXX my family and I received unsolicited " offers '' from PNC to use their checks to " improve your financial flexibility. '' We decided to deposit checks for amount totaling XXXX USD on XX/XX/XXXX. This money had a whole year to be paid back yet this PNC is now scheduling this payments without our consent and they have scheduled amounts of XXXX to go back to this credit card account on XX/XX/XXXX. I have tried to resolve this with them but they sheepishly blame me for scheduling that amount when I believe it's a glitch in their system that makes this payment be scheduled WITHOUT my consent. I first called on XX/XX/XXXX and their staff showed me how to delete this scheduled payment but on Monday they had already scheduled it again for same day. I called on XX/XX/XXXX and after being on the phone with them for over XXXX minutes, their staff were rude and bossy and wanted for me to humble myself and feel like am their under their mercy, am not. I requested for manager to call me back and they said someone will reach out to me but they still haven't. I decided to call again since they are robbing me XXXX ands spoke with their staff who said they were not sure if that transaction is reversible. They keep insisting that I can change/delete payment but I will include XXXX screenshots of XXXX online bill payments and prove that on this one they schedule themselves I have no control over it and I am not able to stop/cancel payment -- -on XX/XX/XXXX I had the option to edit/cancel but PNC decided to take that option away from me. This money/offer was for to be paid back by XXXX by PNC has taken it among themselves and do illegal business. on the attachment PNC 1 their or PNC themselves system schedule it and so I can not edit cancel since I have no control. On PNC 2 it it one of the bills I set up and so can edit cancel | ||||||
| 09/06/2018 | Yes |
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| On XX/XX/18 I made a payment to the XXXX XXXX in the amount of {$900.00}. On XXXX I made a small purchase in the amount of {$7.00}. Because of the holiday I believe this caused these items to show on the same day although they actually were not, nonetheless the funds were there to cover both purchases. I purposely made a payment for {$900.00} which was less than the amount owed to avoid overdrawing the account. On XX/XX/18 approx XXXX I made a withdraw from a none pnc atm in th amount of {$400.00}. At this time my account showed I had approximately {$23.00} available. I knew I would be charged for this withdrawal. Unfortunately a charge came out of the account for {$9.00} which should have come out on the XX/XX/18 again because of the holiday I believe the charge was delayed in processing. I expected at this point to be charged for the {$400.00} withdrawal and the {$9.00} charge that came in. When checking my account I realized I was charged 2 additional fees a total of 4. I called pnc customer service and spoke with a rep who transferred me to XXXX XXXX ( account manager in the escalation dept ). I was told that had I waited until a certain time to withdraw the money I wouldnt have received these fees. PNC seems to play with actual dates and times so that they can charge you the most money that they possibly can. My online account shows that at the end of business on XXXX I had enough money to cover every purchase up to that point. The withdrawal is the reason they are charging me additional fees. Although a computer may not be able to see dates and times but an actual person can see when purchases were made and when the withdrawal was actually made. I would like the 2 additional fees returned to my account. I had enough money in my account to cover all charges with the exception of the withdrawal and the XXXX purchase. | ||||||
| 08/16/2017 | Yes |
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| I am a XXXX veteran who depends on his XXXX payments to live. In XX/XX/XXXX, I took a part time XXXX position with XXXX XXXX, XXXX PA. to make extra money as I was falling behind in some of my bills. My instructions from the company were specific, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to me being a XXXX XXXX XXXX veteran, this was a job I could handle. I started processing these money orders on XXXX XXXX and on XX/XX/XXXX was appraised by PNC Bank, XXXX PA. that the {$9900.00} in money orders that I had processed were fraudulent, according to the Postal Inspectors office. I was then told that I was being held responsible for the banks loss. I asked how I could be responsible when their trained tellers processed the money orders and said they were good. I was told the bank has to recoup its loss somehow. I immediately filed a police report with DE. State Police ( XXXX XXXX ) where I was identified as the victim. Repeated complaints to PNC at all echelons have led to no results. Their final decision made on XX/XX/XXXX was the same as I had received earlier, the bank has to recoup its funds somehow. On XX/XX/XXXX I contacted the FDIC at XXXX, talked with a representative who said that for cases like mine involving fraud/money laundering, that is why each bank account is insured for {$100000.00}. I ask you give this complaint your upmost attention, PNC Bank confiscated my VA XXXX Check on XX/XX/XXXX for {$3000.00} and my XXXX check on XX/XX/XXXX. I have no money to buy food, gas, and my telephone has been cut off. I can not go to bi-weekly treatments for part of my condition and my food supply is bad shape. Due to these events my health is dwindling and there are many factors that make this situation critical. | ||||||
| 02/25/2021 | Yes |
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| Dear Officer, My name is XXXX XXXX. I want to dispute an unreasonable late payment delinquency record related to my PNC credit card. My credit score drop over 100 due to a late payment of {$81.00} in my PNC credit card on XX/XX/XXXX. But the fact is that I didn't receive the card neither activate it after I applied it. No one contacted me about I need to pay for it during XX/XX/XXXX to XX/XX/XXXX, and their customer service didn't help me to resend the card when I called them. When they finally sent me a email, the content is " you credit card payment is already past due for 34 days '', and PNC Bank reported this late payment as delinquency without any notice in anticipation and failed to help me when I contacted them to get my card and access to my account. I never used this card, the late payment is because they transfer my credit card usage on my XXXX credit card to this PNC credit card. But I didn't get any notice about this action neither through call nor email. During XX/XX/XXXX to XX/XX/XXXX, I called and emailed PNC customer service so many times asking them to resend me the card, they couldn't help because I don't know the card number or account number. They told me they couldn't find anything under my name. I also emailed the agent, XXXX XXXX, who assisted me with my PNC credit card application in PNC branch XXXX, NC. She said she had not worked there and couldn't help with that. Now I've not lived in XXXX, NC and moved to XXXX XXXX, CA from XX/XX/XXXX. When I saw the past due email this morning, I called them right away and pay on phone {$1000.00} dollars for it. It's unreasonable that my credit score get a such huge negative impact for an unknown payment. I'm looking forward to getting rid of this late payment from my credit record successfully. Hope anyone of your association can help me. Thank you so much! | ||||||
| 08/24/2020 | Yes |
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| On XX/XX/XXXX i went thru the drivethru to trade in my money that i washed because some was torn in washer and i had to take it. i been washing my money since covid and the first time it was torn. i was told my money is counterfeit i wasnt getting my money back i say how i got XXXX in XXXX 's from XXXX XXXX atm and the two XXXX come from there atm at this branch location and i spend one XXXX at XXXX they use the pen gave me change so in all pnc took XXXX they were very irrate and hostile i have XXXX so i called the police because i need to have record of how much money they took told she said she would mail me a paper but i wanted something now. She ( Branch Manager ) l. i said i have another XXXX right here and i still see the lines and everything so i failed to believe it is fail she kept hollering saying it was fake so i told her i will just take that XXXX to XXXX XXXX and let them check it i did afterwards and they said it was real. the police got the report for me i was never told anything about a process or how it work i called customer service to file a complaint and see how long and what is going to happen far as me getting my money back they only email me to call them i left several messeges by phone and email no responses because my situation could been went all the way wrong cause the police said if i would have left she would have press charges on me for theft by deception. and the manager kept trying to get me to leave, and still no answers.i withdraw all my money she didnt even give me a receipt for that and i asked to closed my account cause never in life have i even went through nothing like that before. the teller and the branch manager need to go to customer service training and do better. i could have been another XXXX XXXX with the irateness and had the police not have handled it in a good matter. | ||||||
| 01/20/2016 | Yes |
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| PNC Mortgage regularly tries to bill me for payoff statements I never ordered. They send these fees to people knowing that many people will pay without questioning it. At least three times they have accused me of ordering a payoff statement and tried to bill me {$15.00} for it. I called and demanded explanation. They could not provide one, but they told me a firm called " Both Hands '' is authorized to do this to me, having access to my account. My daughter is also on the account in case of my demise. My daughter has no idea what a payoff statement is, she has no reason to order that, she doesnt even have any information about PNC nor does she care. I called " Both Hands '', a foreclosure counseling service, who told me they never ordered such a thing. PNC tells me these are the only people who would be allowed to order a payoff statement, yet neither one, nor I, did. I know that PNC is extremely deceptive, they lied to me continuously throughout a modification process. I know they are claiming payoff statements are ordered when they really are n't, just to make an extra {$15.00} off of as many non-suspecting people as possible. I know they are doing this on purpose and no one will listen to me. I have complained about PNC before, when they kept lying about modification documents, saying I never sent them when I in fact did, and saying my property was in a trust which is was not, and they would use these excuses to put my home back into foreclosure status over and over and over again, and the more they did this, the more fees they would charge me and the longer it would take, which would cost me more fees. PNC is extremely deceptive and not to be trusted. They need to be investigated and shut down. They are stealing from the public, and unless government agencies are in on the deal, they should shut down PNC Mortgage. | ||||||
| 12/05/2023 | Yes |
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| In XX/XX/2023 I received a XXXX solicitation from PNC Bank about their Choice Home Equity Line of Credit product. This mailer did not specify debt to income or XXXX limits but encouraged one to " call, apply online, or visit a branch ''. On XX/XX/XXXX I visited the PNC branch in downtown XXXX on the corner of XXXX XXXX XXXX XXXX XXXX and after handling my business with the teller inquired a XXXX licensed individual ( # XXXX ) specifically about the XXXX limitations of the offer. I was told that PNC would do " 80 % of your equity '' implying a 96 % XXXX and the individual pulled up my home on zillow to provide more detail to the calculation. Based on this conversation I applied online on XX/XX/XXXX and received preliminary approval for the requested amount ( {$100000.00} ). However, no where on the application, the approval, or any other of the documents provided by PNC did they specify an XXXX limit, merely referencing " acceptable valuation ''. After receipt of the property appraisal I received a counter offer for 61 % of requested amount and XXXX the previously communicated interest rate spread over prime ( Prime + 0.16 % to XXXX + 2.77 % ). If PNC had been honest and forthright about the XXXX limitations on the product when I initially inquired I would not have gone through the time and expense of applying as an 85 % XXXX was unlikely to meet my needs. PNC induced me to apply under false & misleading pretenses ( higher XXXX than actual offeres ), concealed this fact at every stage of the approval process, and only revealed thier true intent after all documents were submitted, my credit had been pulled, the appraisal had been completed, and PNC had already added themselves to my homeowners insurance as a second XXXX holder ( despite no such relationship existing ) in anticipation of this abusive process succeeding. | ||||||
| 03/21/2017 | Yes |
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| Good Day my name is XXXX I am filing a complaint with PNC Bank due to there neglience not retaining or recovering my expense of XXXX that was submitted through there branch in XXXX Maryland on XX/XX/2017. The Gentle man name was XXXX who took my Debit Card and Driver License never explain the details of how this process work. I discover this debt out of the checking account the very next day XX/XX/2017 I came to the PNC in XXXX, which i ask the representative did the XXXX get debit out the count she informed that was a wired transfer whereas i shock. I learn that that this was a debit not a wire transfer which I am provided to this office for further investigation. On XX/XX/2017 PNC customer care put a Security alter on the account which was documented. XX/XX/2017 The actual dispute was filed with no results of getting money. I was told by the wire transfer department that I would see results by XX/XX/2017, or XX/XX/2017 whereas PNC given myself and XXXX who is my son cause there are direct deposited that enter into the account. PNC instructed me on XX/XX/2017 to reopen up a another account so that the XXXX can come through which Myself or XXXX ( son ) can transfer funds to new checking account. Therefore there been nothing done. I spoke with XXXX who lied to me on XX/XX/2017 alleged this Federal Reserve Program to get the funds cause they are the ones that are responsible. XXXX indicate to me that they never heard from XXXX due to Federal Reserve that it will take more than 10 days. PNC ask me to block there email address which I did. I also filed a Police report through XXXX XXXX XXXX Maryland whereas they told me when fundings are enter into another country. PNC is responsible for recovering your funds back to your account cause it is Federal Insure money. I have documents I never received jewelry at all from XXXX | ||||||
| 04/29/2016 | Yes |
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| I deposited our state tax refund check. Which was made out to ( my wifeand I ) XXXX and XXXX XXXX. I deposited it at the merchant square PNC branch atm. That was at XXXX on tuesday XXXX/XXXX/16. Then I recieved an email at XXXX hrs on XXXX/XXXX/16 that the check was not able to be deposited. I had to call pnc and was very Irate and had to get transferred to the escalation team lead who could n't do anything for me. I was told it was pnc 's policy " not to allow checks to be deposited when they 're made out to people not on the account. '' I responded my wife signed the back of it and I signed the back of it. I then asked for the specific policy ; which they could not find. They responded you signed the " checking account agreement. I asked them to read where it specifically says that. Again there was nothing stating that. They said I would recieve the return check within 10 days. I asked why ca n't I go get my check from the branch where I deposited it. They explained I would be getting a copy of that check and not the original. Then I would have to bring it to the branch along with my wife and her ID. I said I want the original check if not and it was a copy then Pnc should have it on file or in the computer and I should just bring my wife and her id to the bank and they just check it. They said that could n't be done. I demanded the original check then. They then were trying to get off the phone and telling us they would cotact us tomorrow XXXX/XXXX/16 at noon I told them I will already be at the branch way before then and that this situation should be taken up soon as they open. This is not the first time these mf'rs have had my money and told me what there going to do with it. I want something done. People 's money and bank accounts should be handled with respect and urgency! This is unethical business practice. | ||||||
| 03/01/2023 | Yes |
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| XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - Policy # : XXXX in effect XX/XX/XXXX - Notice of Service Transfer to PNC Bank XX/XX/XXXX - XXXX XXXX sent non-renewal notice as they have withdrawn from State of XXXX. Extended coverage period offered through XX/XX/XXXX for {$790.00} XX/XX/XXXX - PNC Bank pays {$2300.00} homeowners insurance disbursement from escrow for annual policy. This policy does not exist. XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1000.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - PNC Bank pays {$790.00} homeowners insurance disbursement from escrow for extended coverage. XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1200.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - Contacted PNC Bank explaining that XXXX XXXX has been overpaid {$2300.00} from escrow. Was told it was my responsibility to obtain reimbursement from XXXX. XX/XX/XXXX - Contacted XXXX and spoke with XXXX. He acknowledged the {$2300.00} overpayment, and explained it would take XXXX - XXXX weeks to process refund. XX/XX/XXXX - Contacted XXXX XXXX agency, who obtained the policy and spoke with XXXX. She reached out to XXXX to escalate refund request, and was also told XXXX - XXXX weeks. XX/XX/XXXX - Received call from PNC Bank. I explained about overpayment made by PNC Bank to XXXX for {$2300.00}. Informed they would research and give me callback. XX/XX/XXXX - Contacted XXXX about status of refund. Informed it has not yet been processed. XX/XX/XXXX - Contacted PNC Bank and spoke with XXXX. Explained once again about overpayment made by PNC Bank to XXXX for {$2300.00}. Stated I would only be remitting payment of {$1000.00}. Was informed that partial payments would not be applied to the account, and that to avoid late payment must remit {$1200.00} by the XXXX. | ||||||
| 05/06/2021 | Yes |
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| On XX/XX/XXXX a company called XXXX deducted 6 fraudulent transactions from my account ; 3 charges of {$120.00} and 3 charges of {$490.00} totaling {$1800.00}, for a company called XXXX. XXXX is a company that you can use when shopping online. They partner with online retail stores and allow you to break up your payments at check out, instead of paying one lump sum. I've used XXXX in the past when making purchases through XXXX XXXX XXXX. They have your debit card on file to deduct the weekly payments from your account. When I found the charges on my account I immediately contacted XXXX and disputed them. Within a few days they refunded the 3 charges of {$120.00}, but I've been unsuccessful in getting the other 3 charges back. I have reached out to them numerous times, requesting calls from supervisors, but have failed to receive a call back. I've been told by the reps through the chat option that the charges have been marked as non authorized. One rep then advised me they did not see that I was charged the 3 charges of {$490.00}. I've sent screenshots to them for proof, but still no refund. I filed disputes with my bank ( PNC Bank ), on XX/XX/XXXX and around XX/XX/XXXX, and they denied the disputes, because I have done previous business with XXXX. Today I reached out to XXXX via email and was advised that I need to reach out to my bank and file a dispute. I have also filed a dispute with the XXXX for XXXX, and they ( XXXX XXXX replied stating that the dispute is still open and they can not refund the money until the merchant XXXX XXXX XXXX has refunded them. So they will not refund me until XXXX had refunded them. No one is taking accountability for this. I have never heard of XXXX, prior to this, nor have I ever done any sort of business with them. I am at a total loss and feel robbed of {$1500.00}. Please help! | ||||||
| 05/29/2018 | Yes |
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| We were facing a health and employment ( overlapping ) crises in XX/XX/XXXX, and when we asked the bank to refinance, they refused. We were forced to stop mortgage payments, which were locked at a particularly high rate, in order to cover our medical and day-to-day expenses. As of XX/XX/XXXX, we resumed employment, and the bank commenced a long, drawn-out process of loan-modification application that was both tedious and confusing. They would send us conflicting documents and information, send multiple requests for the same information, and generally kept putting off a loan-modification offer. Finally, in the late-winter of XX/XX/XXXX they agreed to a trial period, where we made a series of 3 payments. These were all on-time and paid in full. On XX/XX/XXXX, they offered us a loan modification, which clearly stated that if we have any questions, we must refer them to the bank by XX/XX/XXXX. However, when we asked clarifying questions on XX/XX/XXXX ( to understand the terms of the loan, as any responsible consumer should! ) they rescinded the offer. Further, they later claimed that we REMOVED ourselves from the loan modification program, which we NEVER did. In fact, our letter ( attached ) CLEARLY states that we are/were eager to get back on board with the bank and would like to begin payments and a renewed agreement. This letter never received a reply. We subsequently re-applied in XX/XX/XXXX and were denied, with no explanation. We subsequently turned to a non-profit agency to assist us in understanding why we were denied and in submitting a new application, and the bank refused to work with the non-profit agency and refused to entertain a new loan-modification option. In brief : the bank has given us repeated mixed-information and has not entered good-faith negotiations to turn our home into a performing asset. | ||||||
| 05/08/2020 | Yes |
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| I've been a customer of PNC Bank for years. I have never in my entire human life had an issue with a bank. PNC bank first charged me 2 or so months in fees while I was attending the death of my brother whom comitted XXXX in XX/XX/2019 in XXXX. We barely had any phone functionality. We have barely any power for the entire country. It made it impossible to call PNC, even though I would try to remote into my desktop at home ( USA ) it was unreliable. I come back in XXXX and talked to PNC on 6 occasions about the fees since my brother comitted XXXX and I was not here they said no problem we will refund you. That was a lie. About 17 hours later on the phone in the 2.5 months since XXXX I have been met with lies, and more lies. I stopped by a local branch in XXXX MD, and spoke to the branch assistant manager who said we are so sorry, she stated she wrote a report to the back office, and that this will be cleared out and that the fees will be taken off, and my account will be in great standing. She said give it about 10 days. She also stated shes never seen anyone have any issues after she submits a report. Its been 1 month now and I received numerous calls from PNC who stated they are attempting to collect a debt. I was caught off guard. She stated she saw no notes about what I mentioned. She stated she will talk to her supervisor and contact me back. I never heard back. They also disabled my online access, and removed ALL my statements - which I need for my taxes. They said I can send them a check in the mail for each statement I request. This is INSANTIY. The account closure happened while our entire Country is dealing with a global health crisis - COVID-19. How dare a bank take advantage of this. MY WIFE WAS IN THE HOSPITAL FOR THIS AND I GET CALLS DURING COVID 19 TO PAY SOMETHING I WAS TOLD I WOULD BE REFUNDED? | ||||||
| 08/18/2015 | Yes |
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| We met with our loan officer and established a closing date 60 days out and were told that was a reasonable amount of time to have our loan processed. We repeatedly inquired as to the status on our loan and were told that everything was ton track. Our loan officer informed us that all was set with the loan 2 weeks before closing. We then terminated our lease with our apartment complex to be ready for moving out. One week later ( one week before closing ) we were told that the loan would take another month. The loan officer then was not available to be contacted for another 4 days. My family was displaced, had to put our personal belongings in storage, and had to continue to wait. The loan officer had 60 days to complete the loan but had not even cleared it from underwriting by the end of the 60 days. A week after the closing date we were informed the loan had finally cleared underwriting and was submitted. We waited another week, inquired once more as to the status, and found out the loan had actually still not been submitted. It then took another week to submit. We submitted a complaint and the loan officer said they would lower our interest rate. We then received a good faith estimate in the mail. The interest rate was lowered, but the closing costs were then increased ( which we were not informed would happen ). We complained once more and spoke to the loan officer 's manager who informed us that they would credit some of the closing cost increase, that nothing else could be done, all actions by the loan officer were in compliance of their standards, and that we would not be reimbursed for any of our related expenses. We complained once more to a third party and were again told that nothing else could be done. We incurred storage costs, rent costs, transportation costs, and XXXX during this whole experience. | ||||||
| 10/07/2019 | Yes |
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| We been dealing with PNC mortgage/XXXX XXXX XXXX XXXX XXXX, for over 5 yrs, since XXXX, to try and resolve an issue with them sending back our payments in error in which they sent us a letter stating such mistake. These payments were sent back when they thought we had not made a full payment on a verbal repayment with them, when in reality the payment was a normal mortgage payment, while they had money in a suspense account to cover the rest of the mortgage payment if needed. They admitted their error, asked us to return the payments and when we sent the payments back to PNC, they were rejected again. We have never been approved for ANY other program with PNC to date XX/XX/XXXX. We make enough money and our debt ratio is lower then the threshold. The guidelines used for them are questionable. PNC bank and XXXX send false documents to homeowners only to lead to stealing your home right from under you. They also have very unscrupulous lawyers who do this. Their false documents, massive paperwork to prolong the process and the requesting of documents multiple times is ridiculous. PNC/XXXX have not tried to work with us at all during the entire process. We have never had a loan modification nor any other type of program to help with mortgage. The investors are XXXX XXXX XXXX XXXX and they are the ones who do not authorize PNC to do any type of modification. We want to keep our home. We went to federal court with PNC in order to stop them from wrongfully foreclosing on our home, to no avail. The XXXX XXXX XXXX XXXX are the investors who do not offer any assistance whether it is legally supposed to or not. I am going to the press to let them know that PNC mortgage and XXXX XXXX XXXX XXXX are fraudulently taking people 's home without finding out the circumstances and not allowing for any type of modification. | ||||||
| 09/18/2023 | Yes |
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| I booked a stay at XXXX XXXX XXXX, XX/XX/2023 for one night stay, XX/XX/2023 to XX/XX/2023 with paw passes included. I paid my initial deposit {$230.00}. I did not receive a bill as to what the deposit was going towards. My reservation information did not show all of the things I was going to pay for and initially pay for. I canceled the day before the wake up breakfast and was provided a new statement reflecting the remaining deposit I would owe of {$160.00}. I utilize a kiosk that they encourage you to utilize, the transaction goes through, I was informed that I would get a {$100.00} hold and than a {$5.00} XXXX but I declined my card to be on file. On XX/XX/2023, I noticed on my bank account, XXXX charges that I did not authorize, a charge of {$260.00} and a charge of {$190.00}. I was comped the room and received a new bill that I would only owe {$59.00}. I also had to complain about the three times I was charge taxes. They did adjust that on the bill. I made this complaint verbally and spoke with the manager I was interacting prior, XXXX for other issues that resulted in my room being discounted. He mentioned that they do not know why the system does this and are unware it is a problem. I mentioned that XXXX XXXX needs to do something about it. I am looking for all of this money to be refunded from the deposit to all the fraudulent charges. I spent money on goods that I was not able to enjoy or utilize due to the over crowded and unsafe conditions. They are falsely advertising this place. I made a complaint to the XXXX and the PA XXXX attorney general. I made a complaint to guest relations through email, verbally, and their willow app and I have yet to see this corrected or receive a response. I would like a full refund for everything I purchased as compensation and apology of this experience. Thank you | ||||||
| 01/24/2020 | Yes |
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| I paid off my house before XXXX, XXXX with a cashier 's check through regular mail exactly as PNC Mortgage instructs in their payoff letter. In fact, PNC has a copy of my envelope proving that I mailed my payoff before XXXX. In XXXX, PNC deducted via EFT a mortgage payment for my house after it was paid off. When I called to find out why they did that, they said they didn't get my check, so I stopped that check with a {$30.00} fee and started all over with a subsequent amount from a subsequent PNC payoff statement that I mailed on XX/XX/XXXX. Then later in XXXX, PNC says that my first check arrived on XX/XX/XXXX. On XX/XX/XXXX, they sent a letter that my loan was paid off. On XX/XX/XXXX, they sent a letter that I owed {$29000.00} and that it should go to a P.O. Box instead of the street address that the previous payoffs had gone to. When I called to say that I didn't owe them anything, I got nowhere with the agent I spoke with. However, the first time I called in XXXX I had the presence of mind to get a full name and direct # of the person I spoke with. She knew that my loan was paid off, and that PNC 's records didn't indicate that. She gave me the impression that California doesn't talk to Ohio in this firm, which is PNC 's internal problem, not mine. My house was paid off in XXXX and it is now XX/XX/XXXX. I still have no lien release, nor my original note. I have no final statement from the lender showing my loan is paid in full. My suspicion is that this lender claims that payments to them are lost in the mail routinely, to falsely justify collecting extra mortgage payments at the end of the loan. If I had not gotten the name and number of a PNC employee who was sympathetic and knowledgeable in XXXX, I'm sure I would still be trying to make PNC believe that I have paid off my house twice now. | ||||||
| 11/10/2018 | Yes |
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| On XX/XX/XXXX, I called PNC Bank to open a dispute for the full amount ( {$220.00} ) of a transaction that posted to my debit card on XX/XX/XXXX. On XX/XX/XXXX, I received a questionnaire in the mail asking for an explanation " describing the nature of your dispute, and the dollar amount of the error. '' I mailed back the attached explanation the following day. On XX/XX/XXXX I received another letter asking for a copy of a receipt or billing statement. I called to inform that I don't have a receipt or billing statement. This was clearly indicated in the written explanation I had mailed earlier. On XXXX I received a letter informing me that my claim had been denied. I called, and was told the claim was denied because a receipt would be necessary to process a partial amount dispute. I was confused because I was disputing the full amount of the transaction. The representative told me the dispute was opened in the system as a partial dispute, and I should have noticed that the incorrect amount was temporarily provisioned back to my account. I countered by saying that in my written explanation I had indicated a dollar amount of the error that was the full amount of the transaction, which clearly no one read at any point. The rep refiled the dispute, and told me I may be getting additional questions in the mail. I became concerned that I already received a questionnaire to which I responded previously, and would not want to be receiving the exact same questions again. The rep assured me that all documents from the original dispute would be transferred to the refiled dispute, and I should only receive requests for new information. Sure enough, on XX/XX/XXXX, I received in the mail the exact same template questionnaire I had received the first time around. I mailed back the exact same explanation ( attached ). | ||||||
| 01/12/2018 | Yes |
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| Not sure where to start. But recently we decided to rewrite our loan with a local bank ( XXXX XXXX ) because our PNC loan was sold to XXXX and then XXXX XXXX. After going over paper work with this reputable man at XXXX XXXX, we found out that back in XXXX, when we were forced into a foreclosure program ( PLEASE KNOW this wasnt our fault ). I ( XXXX XXXX XXXX ) had lost my job like many others. They were saying on the news to contact your mortgage company for some options, to keep or sell your home. PNC did a BAD thing ... .they have done this to SO MANY OTHERS ... they put us into foreclosure and we were NEVER behind a single payment. WE HAVE PROOF! I have records of EVERYTHING and yet going up against a big business like PNC feels hopeless. Please tell us we can get help! As we went to rewrite our current mortgage recently, we found out that PNC had rewritten our loan to a 40 year mortgage to help us out. This we understood. We did not want to leave our home, especially because we did n't HAVE to. But what we recently learned was ... .PNC had taken all our equity put into this home. {$25000.00}!!!!! We have lived in this home since XXXX and we have NOTHING to show for it thanks to PNC!!! We are sick!! We do not want this to happen to anyone else. THIS WAS A SCAM. As I researched online to see if there are any lawsuits against PNC, I came across SO MANY others that were put into the same scam!! How sad is that??? **Please PLEASE help us** ... .this was done unfairly. This was done to us while we were under attack and scared. This was done UNJUSTLY because we were never behind in any payments ... .all we did was ASK what our options were. I hope I have given enough information here and I welcome you to call me/us. Thank you very much for reading our complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL | ||||||
| 07/20/2023 | Yes |
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| Mortgage Underwriters mis-interpreted a guideline regarding furniture that was being conveyed with the subject property. The addendum with the contract stated that buyer and seller agree that furniture conveys with the property. It was not offered as a concession by the sellers nor was a price stated or requested from the buyer. The seller 's simply did not want to keep the furniture and have to move it. They decided to just sell the house with the furniture in it at no assessed value whatsoever. The Underwriter requested a separate appraisal of all furniture items with pictures and valuations for each last minute, a week before closing. The MLO called the VA directly to confirm if this was needed. The VA guidelines and appraisal department stated, that due to the furniture not being listed or included in the appraisal report, a second appraisal or valuation is NOT allowed as it would be an additional cost to the VA buyer and could also delay their closing. Being that the furniture is not included on the report or the sales value of the home, the VA stated that it is irrelevant. When the MLO shared this information with Underwriting management, they responded stating that the VA 's guidance was incorrect and that they had to go by their internal company guidelines. The MLO followed up stating that those are just internal guidelines with lender overlays, the VA set the actual, federal guidelines. The Underwriting manager responded stating that this would be a GNMA requirement as the secondary investor. According to the VA, neither the lender nor investor can require this of the client. I find it puzzling that GNMA wouldn't follow the guidelines set by the VA. As a result of all this, the file 's closing was delayed and according to the VA , puts PNC Bank out of compliance. Please look into this. Thank you. | ||||||
| 09/12/2022 | Yes |
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| On XX/XX/22 check # XXXX was made payable to XXXX XXXX XXXX, XXXX for XXXX for our monthly rent payment. This check was mailed on XX/XX/22 to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, WI XXXX from our office building drop in locked was mail box. I received an email from XXXX XXXX asking/stating they had not received payment. We looked in the business online bank account and saw that a check was cashed on XX/XX/22. Digging further, we pulled up an image of the cancelled check and saw that the check had a different payee ( XXXX XXXX ) with a New Jersey address. The date of the check, the dollar amount and signature were the same as the original check. We decided to contact our bank representative as this was clearly fraud. We contacted him on XX/XX/22 and he notified us to contact the fraud department. We immediately contacted them and they emailed an affidavit to complete. This was completed and returned to them via email on XX/XX/22 and then were given a case number. We also contacted our local police department and filed a victim statement of fraud. The detectives research found that the fraudulent check was deposited at a XXXX XXXXXXXX XXXX in XXXX, NJ. The detective shared his findings with PNC bank. We have been told by PNC bank that this is a counterfeit check, however PNC entered it as an altered check and this may be why it was held up. She admitted that the bank made the error. This was on XX/XX/22. That day we then filed a complaint with the OCC. A PNC bank representative called the office the next day and twice since then to only tell us that they are still investigating the issue. This has been ongoing since XX/XX/22, more than enough time to have investigating the issue as the police detective got a confirmation of check fraud within weeks. 6 months of receiving the same answer from the bank. | ||||||
| 09/16/2019 | Yes |
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| On XX/XX/2019, my mother passed away, unexpectedly. As she did not have a will and her estate was well under {$100000.00}, I was able to fill out a Small-Estate Affidavit pursuant ot 755 ILCS 5/ART. XXV of the Probate Act, Illinois compiled statutes, as amended by Public Act 98-0836. I had the affidavit notarized at the XXXX County Court House in XXXX, Illinois, on XX/XX/2019. I then took the affidavit to the PNC Bank branch at XXXX XXXX XXXX XXXX in XXXX, Illinois, in order to close out her account so that funds would be available to pay her remaining bills and funeral expenses. The funds, in her account, are as follows : {$10000.00} in checking and {$1100.00} in savings. I was told that the affidavit would be submitted to their legal team for review and the funds would only be released once approved. I waited until XX/XX/2019 to contact the bank again as I had received no response. I was told that the affidavit needed to be updated to include the exact amount of money in each of her accounts so I did as instructed and submitted an newly notarized copy to the PNC Bank branch XXXX XXXX XXXX XXXX, XXXX, Illinois, on XX/XX/2019. I waited until XX/XX/2019 and contacted the XXXX branch as I had still not received any communication from PNC and was told that the documents were still under review. I then contacted PNC Bank on XXXX ( as I could find no other way to contact them ) and was told I would hear something within two days but as of XX/XX/2019, I have heard nothing. In the meantime, my mothers accounts are accruing late charges and I am unable to even purchase a headstone. This is unsatisfactory and I feel PNC Bank is unlawfully holding her accounts in violation of 755 ILCS 5/25-3 ( recovery upon refusal to pay or deliver ). I would seek the assistance of an attorney, however, I am unable to afford such. | ||||||
| 08/25/2017 | Yes |
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| I have been a customer of PNC bank since XX/XX/XXXX, when it acquired XXXX bank ( which I had been a customer of since XX/XX/XXXX ). Recently, PNC changed the terms of my checking account without adequate notice. One day last month I noticed an {$11.00} fee assessed to my account. I used PNC 's online messaging system to request a refund, which was granted. I also chatted with their online service to try to figure out why I was assessed the fee and how I could avoid it going forward. The terms were n't quite clear to me so I went into a local branch to discuss with a banker in person. Even the banker was a bit confused as to what was required to avoid the fee ( apparently I have an old account which they do n't even offer anymore ), but he told me that I either needed keep an average balance of {$1000.00} per month OR I needed to both receive a direct deposit AND pay a bill using their billpay service each month. I do already receive direct-deposit twice a month at least and then I signed up that very same day to pay a bill using their billpay. However, I was assessed an {$11.00} fee again this month. I contacted my banker to ask for a refund and was told that my bill-payment was made 1 day outside the window of my bank statement and that it could not be refunded. I explained to him that the terms had been unclear and it seemed unfair that, although I did jump through the bank 's hoops and do what was required, I was still assessed this fee. And by the way, I had not been made aware of when the bill payment needed to be completed by, so the fee seems unreasonable. The bank 's tactics have been confusing and deceitful. I wonder how many other customers they are doing this to ... and how can they change the terms of my account without adequate notice? Thank you in advance for your time and your assistance. | ||||||
| 10/15/2021 | Yes |
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| On XX/XX/2021, I received correspondence notifying me that my mortgage was transferred from XXXX XXXX to PNC Bank. I contacted PNC Bank for assistance to establish an online account. The rep. stated that I couldn't enroll until XX/XX/2021. On XX/XX/2021, I contacted PNC Bank to establish an online account because the online feature was not working. I was told that I needed a pin # to create an online account. I was given a pin # and then told that I had to enter the pin # within 15 minutes. I did that and the system still did not allow me to create an online account. Again on XX/XX/2021, I contacted PNC Bank and the representative tells me that they will have to " mail '' me a pin # in order for me to create an account, but they are " able '' to take a payment from me over the phone in the meantime. I explained my concern for providing my banking information without having an established online account. The rep then tells me, " if you don't make a payment by the end of the month, then I will be penalized for the late payment ''. In my opinion, PNC Bank has established a business model that will guarantee penalty payments for new customers. The antiquated process ensures no one will be able to set up an online account in time to make online payments ( without a penalty ). For example, if their existing system is unable to recognize my account information to establish an online account, then why should I have confidence that my payment " over the phone '' will be applied to the correct account that doesn't exist. This business practice needs to be investigated and PNC Bank needs be held accountable for establishing antiquated systems that provide barriers to consumers attempting to make mortgage payments on time ( without penalty ). Thank you in advance for your assistance with this matter. | ||||||
| 04/07/2020 | Yes |
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| XX/XX/2020 I reached to PNC Bank to attempt to reset my online banking PIN to gain access to my online banking. I contacted Online Banking and Customer Service. I was told to reach out to a Branch on XX/XX/2020. I did reach out to a branch on XX/XX/2020 and was told my account was in a purgable status of being closed. NO ONE told me this on XX/XX/2020 Friday or I would have got the funds to bring the account current and requested the fees to be refunded from XX/XX/2020 due to being out of work due to COVID 19. On XX/XX/2020 I reached out to the account closing department and was told they could not help me with the fees or reopen my account. I needed to get the account reopened as sole proprietor I had applied for EIDL lending. The account is being closed for {$330.00} XX/XX/2020 I spoke with XXXX and she filed a complaint for me she also said that the employee in online banking and customer service may have not known the account was closing on XX/XX/2020 so if that was the case how am I supposed to know that as a consumer. I asked her that question and she said she didn't know. of this balance {$280.00} is made of {$36.00} of overdraft charges and {$7.00} in daily overdraft fees. For a total of {$290.00} if this was refunded I would have only owed PNC Bank a total of {$44.00} and the account would have not closed out. XX/XX/2020 XXXX from PNC Bank escalation department called me and stated it had already went to a collections department. They would not help me with the fees after I told her I had been out of work since XX/XX/2020 due to the COVID 19 virus and my line of work. I have banked with them for 15 years and she did not seem to care and there was nothing she could do. Due to these unprecedented times I would think they would be willing to work with me and not close my account over {$44.00}. | ||||||
| 07/31/2019 | Yes |
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| On XX/XX/XXXX, I received an email from who I thought was PNC Bank asking for me to update my security questions. On XX/XX/XXXX, I had stopped at a XXXX to get food and my card was declined. I didnt understand why, I knew I had the money on the account. I tried to login to Online Banking on the app and website, and it didnt allow me too. So, I decided to call the bank and they told me that my account was overdrawn. They had told me that I needed to visit a PNC Branch to find out more information. Later that day, when I was able to get into a Branch, they had told me that somebody had disputed a transaction for {$1000.00} and had XXXX it to a person named XXXX XXXX. They then continued to say that I was part of a scam. The lady who was helping me with the situation, told me that I had to pay the negative balance off. She even said they have decided to close the account and end my relationship with them. I was beyond confused and extremely upset that this happened to me. She said that was all that they could do. I then decided I didnt want to stop there, so I made an appointment at another PNC Branch to discuss with someone different. The lady I met with, was more helpful than the first, she tried her best to help me in this situation, but the bank still declined to help me with my problem. I had bills that were going out on the 1st and all of those bills bounced. For the past month, I have been trying to get PNC to understand the situation and it seems like they dont care at all. They did an investigation, but decided that they cant do anything more. They have decided to close the account and are forcing me to pay back the {$1000.00} + fees that came with my bills being declined. I would like answers and I would like a reasonable explanation on why I should have to pay back the money. Please help me. | ||||||
| 01/15/2016 | Yes |
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| My name is XXXX XXXX and I currently live at XXXX XXXX XXXX XXXX and about 3 years ago I lost my job. Well I was concerned and call PNC which is my current mortgage holder, and asked them if I can apply for a loan modification. Well after the 5 time trying I hired a lawyer, XXXX XXXX, out of XXXX IL to help me work with the bank. Well I 've been paying the lawyer about $ XXXX {$600.00} a month, because that is what he required, to help me settle something affordable. Well now I have sheriff 's coming to my home to evict me, without paperwork handed to me, social workers not willing to give me advise and the bank whom will not answer any of my calls. I have a wife with XXXX, my XXXX year old father-in-law, my daughter and her XXXX year old son. We have no date as to when to get out and again no paperwork or answers. I have tried calling PNC to see if I can rent out my home, nothing. i asked them where did the money go, nothing. I need answers please! We currently have the XXXX looking into XXXX XXXX to see what happen to all of my money that was supposed to go to fighting for our home. Then we find out it was sold, then sold back to the bank. No paperwork telling us what was going on and to top it off the lawyer never wanted to meet with us and or talk via phone, it was always " text me '' WHAT? And now we are losing our home. Why wo n't PNC tell us anything? Please help. My account number for our PNC mortgage is acct # XXXX and my contact number is XXXX. When the sheriff 's came they never gave us any eviction notices, we did receive a default but forwarded that to the lawyer. Again I do n't know when the sheriff 's are coming back and me and my family are not ready for this. PNC is the worst and I ca n't believe after several attempts to try to work with them they tell me well you ca n't afford it! | ||||||
| 11/16/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from an individual identifying himself as XXXX XXXX ( contact number : XXXX ). XXXX XXXX claimed that I possessed a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. XXXX XXXX recommended that I contact the corporate finance office for the timeshare at XXXX, instructing me to inquire about my book entry number and to furnish my member ID for the timeshare, referenced as XXXX. In the subsequent days, I engaged with various individuals and entities, including the finance department and XXXX XXXX himself, who provided guidance throughout the process. These interactions led to a series of requests for wire transfers with the ostensible aim of funding a brokerage account. Over the course of these interactions, I conducted several wire transfers that cumulatively amounted to a substantial sum of money. Regrettably, I have not received the funds promised, and it has become increasingly evident that this situation may be rooted in fraudulent activity. As of XX/XX/2023, XXXX XXXX XXXX communicated to me additional requirements, including payments for FBAR ( Foreign Bank and Financial Accounts Report ) reporting and other financial obligations. These requests extended beyond the limits of my financial resources, and it was at this juncture that I began to harbor suspicions that I may have fallen victim to a fraudulent scheme. I would like to underscore that these transactions were executed with the genuine belief that they constituted bona fide investment opportunities. In light of recent developments, however, I am profoundly concerned that I may have been egregiously deceived and that the funds transferred have been irretrievably lost. | ||||||
| 06/05/2020 | Yes |
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| This is a health savings account with XXXX Account Services - PNC Bank as Custodian. I have money in the account and wanted to withdraw it, but the card was expired and they never sent me an updated card. I called several times asking for a card and was advised one would be sent. I never received a new card. I received a statement showing that this company has been charging me {$4.00} a month for no reason. The statement describes the fee as " Benefit Admin Fee ''. This started in XXXX of XXXX. I called on XX/XX/XXXX ( spoke to XXXX ) and asked why I was being charged the fee and she would not tell me, she referred me to my current health savings account bank ( XXXX Bank ) and said they were charging the mysterious fee. I demanded my money back and had XXXX open a ticket ( Confirmation number XXXX ). I also demanded they transfer my money to my current XXXX account and close this account. She advised this must be completed by form. As of today ( XX/XX/XXXX ) I have not receive the form, and they CONTINUE to charge me the fee. I contacted XXXX Bank right after that call and was advised by a representative named XXXX that this fee was not theirs, she suggested it may be from my health insurance company. I then called XXXX XXXX XXXX XXXX and spoke to XXXX who said they don't charge a fee and it sounds like it was the bank ( XXXX Account Services - PNC Bank as XXXX ). This is CLEAR violation of XXXX. They will not allow me to access my funds, they are refusing to send me the documentation needed to close my account, and they are continuing to charge me a monthly fee that I can not avoid, nor was advised of. Side note : My company switched XXXX services at the beginning of last year. The entire time I used them, I was not charged a fee. This fee came without advance notice and without explanation. | ||||||
| 10/27/2021 | Yes |
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| I had an account with Simple Bank which stopped service this year and my account was transferred to BBVA. I couldn't access my account through BBVA because of technical difficulties. Then I forgot to try to access it for a couple of months. I barely used the account anyway and I transferred money in it to cover the very small withdrawals I knew were coming out of the account. Simple Bank did not charge overdraft fees but BBVA does and I did not realize this. I received letters from BBVA but I thought were just statements at first. The totals at the bottom of the letter were positive numbers and I didn't read the notices very closely until the number was larger than I expected. I was not contacted in any other way. I accrued over 19 NFS charges from XXXX - XXXX totaling over {$700.00}. Most of the charges were for AHC withdrawals of {$3.00}. I tried to see if BBVA would help me remove these charge, but when I tried to contact them, I learned that they were acquired by PNC. Then I tried to contact PNC but they were so overwhelmed by the acquisition that I couldn't access my PNC account for weeks after this realization. Getting a hold of anyone at the company was nearly impossible. After finally getting my account information and contacting them again about the fees, PNC says I am responsible for all of these charges because they happened when my account was owned by BBVA and that I should have contacted them while I was still a customer with them. I had ~ a 4 month window to get in contact with BBVA about a problem I didn't realize I had for a bank account I barely used. PNC said they would forgive 3 of the charges but I am responsible for paying the rest of them. I can't believe I have no course for resolution and they can not offer any help beyond 3 courtesy fee waivers. XXXX XXXX XXXX XXXX XXXX | ||||||
| 06/27/2019 | Yes |
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| Disputed PNC account that is showing on my credit report as a XXXX off with the original creditor ( PNC ) as well as all 3 bureaus ( XXXX, XXXX and XXXX ) both through mail and online- several times. All disputes came back verified which is inaccurate. The account that is reflecting as a charge off is a result of a {$300.00} fully secured credit card that I obtained through PNC. The charged off delinquency is for {$240.00}. From my understanding and knowledge of a secured financial product and the excerpt taken from the Terms and Agreements for Secured Credit Cards from PNC website it states " if I ask you to reduce the credit limit on my Account, or if you or I close my Account, you may use my Security Deposit to reduce my existing obligations to the new lower credit limit, or to zero in the event of closure. If you apply my Security Deposit against my obligations, you may allocate my Security Deposit among my obligations as you in your sole discretion deem advisable '' - this fully secured account should have never been charged off, instead the {$300.00} used to secure the {$300.00} credit limit should have been applied to the balance and the account as a result should have been closed out - not charged off. I have been going back and forth forth with both the CRA 's and original creditor PNC, sending letters explaining why I don't owe this and requesting validation of the debt, like a copy of the bill or contract for the debt they're reporting. I received nothing. However, this inaccuracy has not been addressed and continue to report as a delinquency on my credit report. This is unfair and a violation of not only their data furnisher responsibility but the Fair Debt Collection Practices Act. I sincerely hope the CFPB can help me get to the bottom of this as my next recourse is litigation. | ||||||
| 12/12/2017 | Yes |
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| On XXXX I was contacted by PNC loss prevention about possible fraudulent activity on my debit card. The card was cancelled at this time and I confirmed the transactions in question were in fact fraudulent. I was informed that PNC has a zero liability policy for their consumers so the fraudulently removed funds would be refunded to me. XXXX Two fraudulent transactions posted from XXXX in XXXX, MI dated XXXX. I called and disputed these transactions. I received a " provisional refund '' for both transactions in the amounts of {$52.00} and {$65.00}. XXXX A fraudulent transaction posted from XXXX in XXXX, MI. I called on XXXX and disputed the transaction and received a " provisional refund '' in the amount of {$55.00}. XXXX Two fraudulent transactions posted from XXXX in XXXX, MI. I called XXXX and disputed these transactions and received a " provisional refund '' in the amount of {$65.00} and {$100.00}. XXXX Three fraudulent transactions posted from XXXX in XXXX, MI. I called on XXXX and XXXX to dispute these transactions.The representative stated on my call on XXXX that she did not know why I was not issued a provisional refund and said I could call the Dispute Resolution Department. I was informed on my call on XXXX to the Dispute Resolution Department that I would not be issued a refund for these transactions " pending further investigation ''. The amount of these transactions were {$75.00}, {$75.00}, and {$74.00}. I was told it would be 10-90 days before I would receive a refund only if the charges were deemed fraudulent. PNC should be responsible for issuing my money back while they conduct their investigation considering their zero liability fraud protection for consumers. None of the representatives I have spoken to will give me an answer why they will not refund the last 3 transactions. | ||||||
| 08/10/2021 | Yes |
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| PNC Bank - Refinance property located at XXXX XXXX XXXX XXXX, XXXX PA, XXXX County, PA., The existing mortgage was a PNC loan. PNC gave me 6 different refinance loan estimates. Most of these preliminary loan documents had errors including errors in my name, my initials, my aliases, my address, my work history. The loan was a NON escrow loan. The original closing estimate of XX/XX/2021 was {$6000.00} including {$1500.00} in closing points. On XX/XX/2021 I closed this non escrowed refinance and PNC charged me {$7900.00} in closing costs. That amount included {$2500.00} in property taxes. They also charged me {$84.00}, for home owners insurance even though I have paid my own insurance. 1 ) This was a non-escrowed loan so I asked why they were charging me {$2500.00} for school tax. I was told that was just what they do. They pay any unpaid taxes at time of closing. 2 ) The amount {$250000.00} was not the full amount of taxes owed. The total amount of taxes is {$3900.00}. I informed them of that. 3 ) I was told that I could not change the amount they were charging for school tax because it would take too much time and the loan guarantee was about to expire. They said they would pay {$2500.00} and I would have to write a check to the school district for the balance. I had to call the school district to make special arrangements for this. 4 ) PNC did not pay the taxes as of yet. As far as I know they have not paid the {$84.00} to my insurance company either. The School tax penalty kicks in after XX/XX/XXXX. 5 ) I called PNC customer service on XX/XX/XXXX at @ XXXX. I was told that the account was not escrowed and so PNC wasn't responsible for the taxes. The person on the line did not have access to my loan closing documents. I asked to speak to someone else. I was put on hold and disconnected. | ||||||
| 07/17/2020 | Yes |
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Web | Servicemember |
| I have been approved to refinance my home with a different lender than my current lender. Current lender is PNC Bank, new refinance loan lender will be XXXX XXXX XXXX. I have been told by XXXX that PNC will not send over the 30 day payoff as they have requested multiple times. I have also personally been requesting such payoff for almost 2 months now and PNC will not send a 30 day payoff. Instead they sent one payoff by mail ( it was requested via fax ) and it was a 10 day payoff not a 30 day payoff. Every time I call PNC to request yet, another 30 day payoff I am met with brutal questioning and attempts to lead me to a refinance officer within PNC even though I am very clear of my intentions to refinance with another lender. Since all this has been going on over the last 2 months, PNC has pulled double payment from my checking account 2 times, and they will not reverse or refund the funds they pulled from my account. My checking account credit union told me since the funds were pulled ( requested ) on PNC side they couldn't undo the transaction. All of this leaves my account short XXXX $ and during these hard times of covid I could have used this XXXX $ for my other bills. I had zero intentions of paying an additional XXXX $ to my mortgage that I am in the mix of refinancing with another lender. I have written and called and emailed PNC but no one will solve the issues mentioned above. I am still without a payoff that is good for 30 days, even tho I requested a fax for one again yesterday. Any insight on how to get this resolved is appreciated and I just want the option to be able to refinance my home without being robbed via double mortgage payments each month. I feel as if I am being punished and robbed by PNC because they know I am refinancing my mortgage with another lender. Please help. | ||||||
| 07/05/2016 | Yes |
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| I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. The reason for the late payment was solely due to my lack of knowledge that my mortgage loan was transferred from XXXX XXXX to PNC. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life - that is not an exaggeration. My mortgage history is no different and was on Auto Pay for many years, in full and always on time. However, when the loan was transferred without my knowledge, the Auto Pay did not transfer to pay the bill with PNC. The main reason that I was not aware of this transfer leading to this unfortunate and unfair situation, is that the only information regarding this transfer was done via physical mail and I was not living at that address at that time. I had no reason to suspect any changes, nor did anyone reach out to me via email nor phone. Nonetheless, once I found out about all of this ( XXXX XXXX, 2016 ), I immediately paid the mortgage with PNC in full and set up Auto Pay with PNC. Again, I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life. It is not fair that this situation should be held against me when it was solely due to my lack of knowledge about the account transfer, and not at all due to my lack of paying the bill. Thank you for your time. Please feel free to contact me via phone or email for any follow up inquires and/or if you need any other documentation. | ||||||
| 08/03/2023 | Yes |
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| I was using my XXXX debit card to withdraw {$450.00} dollars here in Texas, league city. The ATM I used is located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The day was XX/XX/2023 at XXXX central time. When I try to withdraw the money the ATM machine just show a legend on the screen saying that there was a problem and the withdrawal will not be possible or something equivalent to that, The ATM didn't give me a receipt assessing the issue. I received two emails from XXXX instantaneously saying that my withdrawal was successful. I walked to the bank XXXX to let them know what happened and especially because I received those two emails saying that my withdrawal was successful. The lady in the front and the manager told me that the ATM was independent of XXXX and they can't help me, but assured me that the issue should be resolved in a few days, and I should not worry. That ATM malfunctioned and someone later put up a sign, so no other customers try to use it. I waited 10 days and the money never came back to my original account in XXXX. I called and I submitted a complaint and investigation about the issue. The money was put back in my account but I received a letter saying that the investigation is taking longer but the money will be charged if they find that the complaint should not proceed. A few weeks later the money was charged because they say that the complaint didn't proceed. I called back and they ask me to put a complaint in the special unit of client attention, And I followed the process with the letter, documentation, and all I could think of to submit. Weeks later, I got an email saying that my complaint doesn't proceed because the ATM didn't show an error dispensing the money. The ATM is run by XXXX debit access, XXXX. The day of the problem was XX/XX/2023 at XXXX XXXX time. | ||||||
| 08/02/2017 | Yes |
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Web | Servicemember |
| OnXX/XX/XXXX consumer entered into a mortgage loan with XXXX XXXX XXXX XXXX. and signed a Note and a Security Deed to secure the same. Thereafter consumer 's note was purchased by PNC Mortgage now PNC Bank. Note payments are due on the XXXX of each month with a 15 day grace period before late charges may be assessed. Consumer has made all payments on the Note timely however in XX/XX/XXXX PNC refused to accept Consumer 's payment claiming that it was less than the amount PNC claimed to be due for the month because PNC had purchased an insurance policy on the property and added the premium to the monthly payment amount under the note. The property was already insured but PNC claimed it had not received a timely notice of insurance coverage. PNC repaid the extra charge after receiving proof of insurance coverage by consumer. Thereafter consumer began receiving notices of late charges following each timely monthly payment on the Note which have continued unabated for the past six ( 6 ) years. Consumer has been contacted and harassed by telephone by the PNC collections department daily at all hours of the day despite being told that no late charges are due under the terms of the Note purchased by PNC. PNC acknowledged that no late charges are incurred under the Note until after the fifteenth day of the month but nevertheless it continues to generate bills for late fees notwithstanding receipt of consumer 's payments well within such fifteen day grace period and continues to harass consumer with daily collection calls notwithstanding consumer 's demand that it cease. The late charges PNC now claims due is in excess of {$5800.00} which consumer does not owe and will not pay. Consumer files this complaint with the CFPB prior to filing a lawsuit against PNC in the appropriate court having jurisdiction. | ||||||
| 08/01/2023 | Yes |
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| I am writing to express my deep concern and frustration regarding a fraudulent transaction that was made on my credit card. I am disappointed by the lack of security measures in place, as well as the inconvenience and financial burden this incident has caused. I discovered several unauthorized charges on my credit card statement. These charges total [ amount ]. To the best of my knowledge, I never made these transactions nor shared my credit card information with anyone. I immediately contacted your customer service hotline to report the issue and request assistance. This incident has shattered that trust and compromised my confidence in your ability to protect my sensitive data. I kindly request that the unauthorized charges be removed from my account and that a thorough investigation is conducted to identify the individuals responsible for this fraud. Additionally, I seek assurance that my personal information will be better safeguarded moving forward. I expect proper compensation for the inconvenience caused, including any financial penalties resulting from the fraudulent charges. I believe it is crucial for your company to implement stronger security measures to prevent future instances of credit card fraud. This should include better monitoring systems, enhanced fraud detection technology, and more proactive communication with customers when suspicious activities are detected. By taking these measures, you can restore customers ' faith in your services and ensure their financial safety. I anticipate your prompt action regarding this matter. I appreciate your attention to my complaint and expect a satisfactory resolution within [ reasonable timeframe, e.g., 14 days ]. Please reopen my complaint since your department referred me to the Office of the Comptroller of the Currency. | ||||||
| 11/04/2021 | Yes |
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| On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several withdrawals from my account made via XXXX. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local PNC Bank and filed a dispute, changed my password, froze my account and set up XXXX pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from PNC Bank that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called PNC again and asked for the documentation used and they didn't have any. They told me to contact XXXX. I tried to contact XXXX and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So XXXX is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with PNC I still do not have any answers or money. XXXX XXXX from PNC is elevating it to the XXXX XXXX but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by PNC Bank. They didn't even bother putting it on letterhead this time. | ||||||
| 12/16/2022 | Yes |
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Web | Older American |
| I sold a musical instrument through XXXX XXXX for {$3900.00} on XX/XX/22. Seller sent a check dated XX/XX/22 for {$5900.00} from an account in the name of XXXX XXXX XXXX in XXXX and from a XXXX XXXX XXXX, also in XXXX. He requested that the instrument be delivered by a private courier named XXXX XXXX XXXX from the XXXX XXXX XXXX in XXXX, IL and asked me to send them ( the courier ) {$1900.00} or the balance of check received to for transport fee. I received and deposited the check on XX/XX/22 and once my bank cleared the check and ( about 3 days ) the funds were in my account, I sent the courier the money via XXXX. Three days later on XX/XX/22, my bank removed the full amount of the deposited check from my account stating that it was altered or fictitious. I contacted the company listed on the check ( who is a legitimate entity ) and they informed me that approximately 10 of their checks were forged/ altered. I reached out to XXXX XXXX via email and asked him to immediately return the funds and he stated that he had already sent the funds elsewhere. Fortunately, I did not release the instrument, but I am out of pocket for {$1900.00} and my bank/ XXXX will not return my money even though I only acted AFTER they initially vetted the check and released the funds into my account. I immediately contacted my bank ( PNC Bank ) to report the fraud and asked them to intercede with the recipient of the XXXX transfer and they informed me that there was nothing they could do. I find this preposterous since I only acted once they fully vetted the check and released the funds to me. To add insult to injury they charged me {$120.00} in bank fees due to a brief overdraft situation and refuse to return them to me. I have reported this issue to the FBI XXXX XXXX XXXX XXXX on XX/XX/22 and FTC on XX/XX/22. | ||||||
| 02/04/2017 | Yes |
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| PNC Bank is fraudulently claiming a member of XXXX XXXX XXXX XXXX made an intentional unlawful withdrawal on a checking account that never happened. When they were notified on multiple occasions of the erroneous application of the charge for withdrawal to the XXXX checking account. The transaction was in fact executed for the withdrawal of {$500.00} against XXXX XXXX XXXX XXXX 's open business line of credit approved the day of, in person, at the local branch office. PNC was informed the repayment for the withdrawal of {$500.00} would be made as per the terms of the business credit line agreement as historically exercised since its open in 2005 ( at the time the withdrawal was made no notice was given of any denial, changes, extraordinary conditions or requirements, nor subordinate rules or procedures initiating as a result, apart or in addition to the terms of the business line of credit in good standing ). We believe, in retaliation, and to harm XXXX XXXX XXXX XXXX financially by refusing to correctly account for the withdrawal being made to our open business line of credit, and to negatively harm our credit standing, PNC bank has elected to communicate a materially fraudulent claim to a third party credit collection service and has refused to correctly account for the true nature of the transaction in dispute. We have stated the amount outstanding will be diligently paid under the credit terms existing at the time of the withdrawal of funds. Furthermore, by deceptive accounting of the transaction, libelous claim and potential sale to the third party credit collection agency, along with the additional claim of fees and penalties accruing, PNC is seeking to fraudulently enrich itself at the expense of XXXX XXXX XXXX XXXX, as well as needlessly harm its reputation and credit worthiness. | ||||||
| 07/14/2023 | Yes |
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I have a checking account with PNC Financial Services Group ( acquired XXXX XXXX, RBC ). I am writing to make formal complaints against the PNC Financial Services Group.
PNC 's security system was NOT just imperfect as RBC stated but had OBVIOUS flaws, and your security flag was totally a false alarm. It was wrongly flagged from a check deposit ( I did deposit my husband 's checks five years in a row ( with his authorization and signature -- suggested by former RBC 's agents, a normal behavior ). So, it's NOT something new this time -- a NORMAL behavior. Most importantly, his check was cleared just fine and deposited successfully. And PNC 's investigation also showed that there was NO issue involved, whatsoever. Furthermore, all other deductions/scheduled payments were also processed fine in my account at the same time. How could PNC have just " selectively '' canceled and deleted that scheduled, important, and critical payment ( to the City of XXXX XXXX every year for the past XXXX years in a row -- NOT something new, and NOT to mention that this payment was scheduled/set up BEFORE your security flag ), totally without warning and any of my knowledge?? ( Additionally, PNC wrongly blocked/took away my access!! ) Therefore, it was PNC 's system flaws/system fault to have caused my late payment and a penalty of {$230.00} from the City of XXXX XXXX . NO excuses in ANY circumstances, whatsoever! Given all of the above, PNC should definitely be responsible and held accountable. The facts are more than clear, undeniable, and undisputable! Other banks would NEVER have deleted. PNC Financial Services Group ( former XXXX XXXX XXXX has NO excuses under ANY circumstances, period! |
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| 01/17/2022 | Yes |
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| This is regarding my checking account with PNC bank. I mailed an {$1800.00} dollar rent check in XXXX of XXXX for XX/XX/XXXX rent. The check was lost in the mail. I stopped payment on the check. In XXXX of XXXX, the check was altered to {$4800.00}, the business name who I wrote the check to was scribbled out and an individuals name was written above the scribbled out original name. The dates were altered to as well to XXXX. I immediately contacted PNC to dispute the charge. I eventually spoke with a manager and said the money would be put in my account provisionally after two weeks. After a month of the funds not being returned I called back and was told that they do not put money back provisionally and that they had 4 months to settle the dispute. I asked for some specifics on the status and was told to contact the fraud department for that. I was given their number and was told it would be a voice-mail and to leave the requested information and I would get a call back. I have left XXXX voice-mails and no call back. I was also assured that a hold was on my account as I could not close it because of the fraud investigation. Low and behold another fraudulent transaction hit my account on XX/XX/XXXX. Evidently a hold was never placed. I spoke with another manager and she was able to tell me the original {$4800.00} altered check was fraudulently cashed at Bank XXXX XXXX. I again asked to speak with the fraud department. She said she had the same number as me for them, but she would contact them on my behalf. Today she called me back and said that she has not received a response from the fraud department and could not give me any updates. I have been scammed twice now. Once by a criminal who altered my check and again by my own bank that will not even do the simplest task of calling me back. | ||||||
| 03/09/2023 | Yes |
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| My name is XXXX XXXX XXXX XXXX, Passport XXXX, I have a PNC savings account number XXXX. Current address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Florida, XXXX, phone number XXXX. On XX/XX/2023 I received an {$18000.00} payment for services from XXXX XXXX XXXX on my personal savings account. The next day after, ( XX/XX/2023 ) I called directly the customer service line of PNC bank to review if check was confirmed and payment received at my account. The agent from the bank stated, after asking if the money could already be used, that transaction was completed and funds were already available to spend from that same day. As the payment had already been confirmed, I completed the services that I had been paid without any issue to the person referred. Four days later after this call ( XX/XX/2023 ), I check again on my balance and I see that the money had been removed completely from the account. I called to the customer service line again. At this moment the agent says that the checks bank account could not be found and funds were not available anymore. I tried to contact XXXX XXXX without any success to claim for the problem with the check, but it was not possible to contact him anymore and disappeared. I complained to the agent on phone about how this negligent misinformation provided, caused I had lost {$18000.00}. They apologized and transferred me to XXXX XXXX XXXX, case manager of retail support who simply said that it was a mistake and they could not do anything as the check account was not found and the money was lost. I explained several times that I trusted on the transaction as the bank officer clearly stated that the money was in my account available to be spent after being received. No responsibility was accepted and that was the end of the communication with the bank. | ||||||
| 02/18/2021 | Yes |
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| For over 2 years now we have been trying to do a short sale and we have run into a road block with the Jr. Lien at PNC bank XXXX After many conversations with PNC customer service department, I have been told that the asset manager that made the final decision on this file. PNC decision was insulting to say the least. Maybe they did not review the appraisal and payoff letters I sent you from the 1st mortgage lender XXXX XXXX. I have attached them hereto again for your review. Please note that the appraisal done by the 1st mortgage lender was a full interior appraisal XXXX value not a drive by like PNC Has done. Please note that there is over a XXXX discrepancy in the value from your PNC Drive by Vs. the 1st mortgage lender XXXX servicer. Also note that there are structural issues with the property. Also the Property has been listed for sale for over 2 years at XXXX with no offers. That discrepancy is too wide to be anywhere acceptable / credible. The only conclusion that can be derived is that PNC is being totally unrealistic in their evaluation. This can be considered acting bad faith in part by PNC to say the least. I call it malfeasants. The buyer was so distraught by your decision that he has directed me to help him negotiate directly with the first mortgage to buy the note and proceed with the foreclosure to remove PNC as the Jr Lien. That has already been put into motion. See attached letter to 1st Mortgage attorney. PNC has blown this approval and now very likely will receive no proceeds to settle this matter. You should reconsider to take no more than XXXX for this upside-down property and that's generous. However even this offer may be too late as Buyer has started the process with the 1st Mortgage lender to buy the note and continue the foreclosure. Let me know ASAP. | ||||||
| 05/16/2018 | Yes |
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| On XX/XX/XXXX I used my Debit card ending in XXXX for a purchase of {$390.00} as debit. The merchant explained this charge may accidentally have been put through twice, however I did not see it pending on my digital banking tools ( Website or Mobile App ). I called PNC Bank on this day to explain to a representative the situation. The representative did not have record of this transaction either. I checked my PNC account digitally on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX diligently to make sure this possible duplicate charge did not cause me to overdraft however this charge of {$390.00} never showed up. Also, I made a mobile check deposit of {$1000.00} on XX/XX/XXXX to ensure if this charge was to have been duplicated that my account would not be overdrawn. To my surprise on XX/XX/XXXX I was charged 4 overdraft fees of {$36.00} each and noticed that the charge of {$390.00} was duplicated. I spoke to the merchant and they agreed to refund one of the charges of {$390.00}. Now at no time from XX/XX/XXXX to XX/XX/XXXX did my account ever show a negative balance on my online banking so I called PNC on XX/XX/XXXX to ask for the fees to be removed. I explained to the representative that I have a low balance email notification setup with a threshold of {$100.00} but I never received a notification saying my balance was less than {$100.00} so I asked the representative to explain why I received the fees as this is misleading based on the information provided to myself from PNC on my digital banking. The rep said there is nothing they could do. I think this is highly unfair as I proactively tried to prevent this and on top of that using the digital tools that PNC provides was unable to properly assess if I was in danger of overdrafting. I would like all 4 of the {$36.00} overdraft fees waived. | ||||||
| 01/12/2022 | Yes |
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| I was victim of a fraud against me and my PNC account # XXXX. When I was notified by the bank on the first week of XXXX that my account was under a potential fraud, I took immediately action and opened a case with the local police department case # XXXX, I also placed a fraud alert with the credit bureaus reference # XXXX. However, the PNC bank department of dispute didnt even looked at the evidence that I am also attaching here and decide to rule that I was the responsible for the balance moved out of my account by a fraudulent check sent to me by a company that pretended to hire me. I was contacted at indeed by someone named XXXX XXXX to work for her as personal assistant. This person requested my bank information, address as well social security number to register me as her employee and she sent a check by mail to be deposit at my bank account so I would use the funds to make some payments for her and buy computer and office supplies. The check was bounced several days after being in the account. The bank claimed that the documentation I am providing here was irrelevant and that I should take full responsibility for the fraud balance. I said to the bank representative that I was the one suffering the fraud against, I am not the part of the fraudulent scheme and bank investigation team and decision should had considered the information attached. The bank completed disregarded all these evidences and decide to close my accounts and now are coming against me for the fraudulent balance. I am here asking for your help to first looking into the evidence and help the bank to see it was a fraud against me and cancel this fraudulent balance against me. The bank also should control better the fraudulent checks and not let the balance be available in cases like the check is not valid. | ||||||
| 08/04/2017 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters. | ||||||
| 09/01/2016 | Yes |
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| On XXXX/XXXX/2016 I went to pnc bank on XXXX I put in my account {$230.00}, $ XXXX, went in taking under orders {$130.00}, I ordered some shoes right away but somehow, they did n't come out right away, I was made to put nearly, actually a whole another {$100.00}, in the bank which makes total a {$330.00}, deposit bit I do n't have all such worth of transactions nor, goods making this transaction show dollar for dollar wat, I used, the banks Delayed '', inacccurate, management, accounting my cash to my account fastly, inacccurate not my fault, inacccuratesnfact this is n't the first time I post money n it was gone, or never usable, or used n then I was told " you went busty how can a merchant such as finishline b allowed to say " item went thru, when it didmt? how can bank hold off giving items to them when funds were there,? then turn around n charge XXXX? XXXX bank also when I went to it a XXXX, XXXX, charged in words across the teller till STATING YOU MADE XXXX COMPLAINT VS US '' XXXX? WHICH I CHE KED HER PUT HER IN HER PLACE, BUT THIS STATEMENT TELL ME THAT IT 'S IN THE COMPUTER MY COMPLAINT IN THEIR RECORDS WHICH EXPLAINS WHY I MAY HAVE BEEN CHARGED N ERROR. IF U SPENT XXXX $ XXXX/WITH ONLYBXXXX $ WORTH OF TRANSACTIONS TO SHOW FOR IT, THEN BE TOLD YOUR NEARLY $ XXXXNEG, PUT MORE MONEY IN WHERE 'S MY CASH GOING? I DEMAND IT BE RETURNED, THIS BANK HAS ALSO DENIED LOANS TO BLK, VETERAN XXXX CLIENTS LIKE ME, N BEEN DISHONEST DENYING NOTARIES, TO ME AS WELL, THIS BANK HAS ENGAGED IN RETALIATORY, ACTIONS VS ME SINCE I 'VE BEEN DOING BUSINESS WITH THEM AND MUST B FINED ALSO FOR ALLOWING TRANSACTIONS TO GO THRU, NUMEROUS TIMES ONLINE N THE PORTAL, ONLINE DO N'T MATCH WORD FOR WORD SPELLING OF MY NAME ON CARD, /BANK FILES, WJICH MEANS SECURITY OF PNCBANK, XXXX THEIR ATTITUDES N WORKERS | ||||||
| 11/04/2021 | Yes |
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| I am a Client of BBVA Compass Bank. This bank was acquired by PNC Bank. PNC bank sent notice that the new portal will have all our accounts transferred on XXXX. Schedule - published XX/XX/XXXX - Friday XXXX - Online and mobile access not available XX/XX/XXXX - Tuesday Transfered to PNC Bank and start using PNC Bank . Unfortunately nothing happened. XX/XX/XXXX - onwards - No access to accounts online or thru app.. XX/XX/XXXX or XXXX have access to personal account called virtual wallet and another business account that is not much used. No access to my main accounts and funds.. or the bill pay for paying bills. phones didn't work. current branch in XXXX is overwhelmed by crowd a no one is having access. We were asked to come back XXXXFriday again went to bank and after waiting for an hour, they asked me to fill the form with all the bank accounts that i need access and they would then link them. - XXXX time 3-4 days No response or change - no response to calls. XX/XX/XXXX - No access and no response from bank XX/XX/XXXX - called again - Still no access to bank. This time they asked me again to give them the account details so they can link. MEANWHILE ALL NY PAYMENTS FROM BILL PAY ARE DELAYED AND I DONT HAVE ACCESS TO MY BUSINESS ACCOUNT FROM XXXX ONWARDS. Auto payments to bills worked fortunately. XX/XX/XXXX - ACCESS TO ACCOUNTS BUT NO BILL PAY DATA. Now they are telling me that i have to enter all the data again. I complained to the supervisor and they said the super visor will call me - No response since 2 days. Please help. I don't have access to the bill pay nor do i remember the 40 -50 accounts that i setup. nor do i have the time to enter it all again.. Absolute horrible service by the bank and holding us hostage by not giving us access to our funds. | ||||||
| 07/06/2020 | Yes |
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Web | Servicemember |
| PNC will charge overdraft fees on transactions that are pending, even though sufficient funds were available at the time of a cash transaction is made later, saying the cash transaction is instant causing all pending items to be consider overdrafts, causing them to all have {$36.00} fees. For example, I had 4 pending transactions, I then made a cash overdraft transaction. Balance {$100.00} : Transaction 1 : {$20.00} 2 : {$15.00} 3 : {$10.00} 4 : {$10.00} The available balance is now {$45.00}. But the transactions are still pending. I then, overdraft as a cash-ATM for transaction for {$120.00}. PNC will then immediately charge an overdraft for all 4 pending transactions and consider the {$120.00} transaction as the first/immediate transactions. This is wrong, and consumers should not have to constantly check which items are posted and if pending. Transactions should be debited/credit in the exact order they are made, especially in cases of overdraft fees to protect consumers. What should happen is that I should have been charged an overdraft fee ONE TIME for the overdraft of {$120.00}. Not 5 overdraft fees because items were pending. This is also contradictory because if items are pending then my available balance should be higher and should not reflect the pending items since they are pending. PNC is abusing their power for overdraft fees and if the CPFB continues to allow this, you they will continue to let banks profit on low income consumers and those who may be going through difficult times. This type of charging is predatory. Yes, I agreed to overdraft protection but I agree to transactions I actually overdraft. No transactions I made when I have an adequate balance. Please help and fix this greedy practice in banking and general and within the regulations. | ||||||
| 01/23/2019 | Yes |
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| I began the process of refinancing my auto loan with my bank, PNC, on XX/XX/XXXX. I decided to go into the bank to conduct the transaction rather than do it online because I was unsure of how to correctly refinance my auto loan. I went to my local PNC Bank ( located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, inside of a XXXX XXXX ). My banker, XXXX XXXX, seemed to be inexperienced which led to me making 4 trips to the bank altogether to complete this refinance as he constantly made mistakes which required me coming back into the bank to fix. I received a letter from PNC on XX/XX/XXXX which stated that they had sent XXXX ( who my auto loan was initially with ) a check to pay off the remaining balance of my auto loan with them. On XX/XX/XXXX, I received a letter from PNC requesting the original title on my vehicle and the lien release document. I did not have the lien release, so I called XXXX requesting it XX/XX/XXXX. At this time, XXXX informed me that PNC paid off my auto loan {$970.00} short, and that balance was incurring interest every day. They also sent the money to the wrong department at XXXX, so it was processed as a regular payment and not a payoff. I contacted PNC about the matter shortly thereafter and the bank ( some bankers involved include XXXX XXXX, XXXX XXXX and XXXX XXXX ) told me that they did not verify the amount that my loan was supposed to be refinanced for so that is why this issue occurred. They told me that the only option was for me to refinance the auto loan again, using the correct amount of money. However, I have since lost my job and not able to get another loan right now. Today, XX/XX/XXXX, was my last attempt to contact PNC and explain the issue. They refused to help me at all, and said the only thing I can do is refinance the loan with them again. | ||||||
| 08/17/2023 | Yes |
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Web | Older American |
| Hello, I am in the process of purchasing a new home. The settlement was originally scheduled for Wednesday, XX/XX/2023. On Monday, XX/XX/2023, a fraudster impersonating my settlement company 's closing agent sent me wiring instructions informing me the account number and routing number to wire the purchase proceeds to a fraudulent account. I submitted the wire transfer from XXXX XXXX XXXX on Tuesday, XX/XX/2023 to the fraudulent account held at PNC. We identified same day that the receiving account was fraudulent and notified PNC to block the funds from being deposited into the fraudulent account. They were successfully able to block the deposit even though the funds were transferred. XXXX has submitted two requests to return the funds so we can proceed with wiring the funds to the correct account so the closing can occur and the sellers can proceed with closing on their new home. Numerous calls have been made to PNC to request the funds be returned, but PNC has been either duplicitous about the status of the funds or they're just being incompetent. The fraud manager at XXXX contacted her counterpart at PNC and he confirmed seeing the return request in their system. Today PNC reported they never received the recall request even though XXXX had their confirmation codes from the transfer system. The settlement agent had to personally go to the corporate office to speak with someone directly. Only until then did PNC confirm that fraud had occurred on the account and the funds are frozen. They won't provide any indication as to when the funds will be returned so the subsequent closings can take place. The sellers ' possessions are in a moving van and they are staying with parents until this gets resolved. PNC needs to be exposed for their duplicity or incompetence. Please help! | ||||||
| 11/08/2021 | Yes |
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| My business checking account was frozen in XXXX due to a fraudulent check being processed by BBVA. Upon reviewing the check it was plain to see that it was not one of our company checks. We were told to set up a different checking account so that this wouldn't happen again. But that is easier said than done as we are paid electronically by insurance companies so a lot of work including verification is required make this happen. In the meantime a business relationship manager at BBVA continued to manually process payroll and other bills at our request. After the buy out was finalized on XX/XX/XXXX we no longer had access to the business relationship manager. Not sure what happened to him. I was also unable to see all my accounts at BBVA now PNC. On XX/XX/XXXX I went into the XXXX branch in XXXX to get the account unfrozen. XXXX XXXX the teller wasn't sure how to do it as she hadn't been trained in the new way to do this yet. And I believe her as I have worked with her for years. She is outstanding!! Despite follow up phone calls on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX nothing is happening. Each time I'm told that a review team " will get to work on it '', but each time I call they seem to have no notes on my previous calls and also are unsure why the account was frozen to begin with. This isn't surprising as I also have no statements available online prior to merger. For a bank they're record keeping is awful!! The bank seems to not care at all about my challenges to pay employees, bills, etc when I don't have access to my businesses funds. They are acting like it's their money!! Also it's difficult to determine how my business is performing when my book keeper is unable to complete routine monthly book keeping without having access to statements and downloads. | ||||||
| 07/23/2018 | Yes |
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| Beginning in XX/XX/2018, after XXXX yrs paying my auto loan as agreed, the lender-PNC Bank began a pattern of not applying payments at all or excessively late. Note, prior payments were made as agreed. Further, PNC Bank then started harassing collection calls and letters. In response, I repeatedly called PNC Bank to reconcile my account and determine where payments were being applied. Each call was an repeated effort of revisiting every detail previously discussed without PNC accepting any ownership for remedy, other than, " will you send another payment. '' On or about XX/XX/18, as requested by PNC Bank I met with a bank branch representative. The Branch representative spent time calling customer service representatives to trace payments with the documentation I provided. Net result was only providing copies for their internal investigations, again without accepting any ownership for a remedy. This back and forth dialog became so difficult to manage that on XX/XX/2018, my other Banking institution ( XXXX XXXX ) who issues my " paper checks, '' issued a stop payment on XX/XX/2018 pay't, at their own expense and in good faith, because of the excessive delays. In addition, a payment was a assessed a {$40.00} late fee, which despite statements claiming to reverse the fee, appears on my account. By way of explanation, at various levels PNC Customer Service stated that a " processing system '' change which started in '18, might explain the issue. Another representative suggested an extra digit on the front end of our account might explain the problem. Still no one has suggested a fix other than to use " paper coupons '' that were NOT needed pre-2018. Making matter worse, PNC Bank has sent derogatory notices to the major credit reporting agencies suggesting serious delinquency. | ||||||
| 09/17/2019 | Yes |
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| DISCRIMINATION AND HARASSMENT BY PNC CREDIT CARD SERVICES 1. I posted an on-time payment on XX/XX/XXXX per billing cycle date, of {$300.00} 2. The card was declined today around XXXX XXXX EST, for a {$110.00} charge, approx 3. I called PNC card services at XXXX XXXX approx & was informed that the system showed a wrong bank account # was used to make the XX/XX/XXXX payment, with an account # ending in XXXX, whereas the account is stored in PNC 's pay by phone automated system, with no manual entry of a bank account being required or made, for the {$300.00} payment. 4. PNC 's system reflects an on -time payment for the {$300.00} due, as made by me on XX/XX/XXXX. recording the on time payment of {$300.00}, PNC being unable to process the payment and charging me a late fee of {$27.00}, with the Customer Rep 5. XXXX XXXX - Retail Escalation Manager - refused the reversal of the late fee of {$27.00}. 6. Interest rate APR was also increased without prior notification. In XX/XX/XXXX the APR on purchases was 17.99 % & was increased in XXXX to 18.24 %, whereas Fed Prime rate has stayed the same at 5.5 % from XXXX XXXX XXXX, currently LOWERED to a rate of 5.25 %. SUMMARY : PNC Bank utilized intimidation, discrimination and Harassment to violate my Consumer Rights, in blocking my use of my PNC Visa Card AND Blocking Access to my Transaction Records, Online AND by phone. Remedy : - Reinstate FULL Account Access, Refund the Late fee of {$27.00}, and Reduce the APR to the 14.75 % that I originally had, when rates were HIGHER thank they are now. **** I have EVIDENCE of the statement above, with screen shots of the on time payment, late fee and blocked access to transaction records. I, XXXX XXXX, certify the above statement to be true and as occurred. Sincerely, XXXX XXXX | ||||||
| 04/12/2021 | Yes |
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| On XX/XX/XXXX we ordered a drafting desk for our daughter as a XXXX present. The item got lost in the mail according to XXXX and they refunded us on XX/XX/XXXX. On XX/XX/XXXX XXXX made an unauthorized 2nd charged for the aforementioned desk. I contact XXXX on XX/XX/XXXX and explained the situation. The customer service representative said that is was an error that I was charged a 2nd time and that I would be refunded. On XX/XX/XXXX I contact XXXX again and this time a different representative stated that I needed to dispute with my FI if I want a refund. I contacted PNC XX/XX/XXXX to file a " Non-Receipt of Goods/Services '' dispute. I contacted PNC about 3 weeks later to check on the dispute as I had not received " Provisional Credit '' in 10 business days. I was told that it was being worked on. I called again in the beginning of XXXX. I was informed that a letter had been mailed out to me via USPS and I would need to reply to it before XX/XX/XXXX. I then called 2 other times during those following two weeks seeing if I can obtain another copy of the letter since I have never received it in the mail. Both times the rep told me I needed to wait for it to arrive in the mail. On the XXXX of XXXX I called and explained again. Finally a rep was able to get a rep to have a branch provide me with one. The same day XX/XX/XXXX that I received the letter I faxed back to them a response, as well as, documentation showing that the item was not recieved and the refund receipts even states " YOU CAN KEEP, DONATE, OR DISCARD THIS ITEM ''. I then followed up again about a week later and spoke with a woman who said that they are still working on it. I called today and was told the same exact thing. That it will be 90 more additional days to the completion. This is completely unacceptable. | ||||||
| 11/22/2019 | Yes |
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| I bought a car in XX/XX/XXXX. I made my first payment for the exact amount due in XXXX of XXXX. After that I made a payment before the due date in person with the teller. I paid an additional {$30.00} the next month and asked the additional amount to be applied to the principal. Fast forward to XXXX of XXXX when I paid an additional {$1500.00} toward the principal and that is when I realized the bank was not applying my payment correctly ( toward the principal balance as requested ). I was told to leave the bank and I was given an 800 number to call and ask to have each payment applied as I wished. That process started in XXXX of XXXX and that phone call lasted over an hour. At that time I requested a payment history of my account and was told it would be mailed. That request was never received. In XXXX I walked into the bank and paid an additional {$530.00} above my normal payment and again requested the difference to be applied to principal. After the same happened in XX/XX/XXXX I asked someone in the branch to call the servicing Dept. At that point I asked again for the payment history. It was finally mailed XX/XX/XXXX showing next payment due date of XX/XX/XXXX ( 2 months in advance ) In XXXX I made another {$1500.00} payment toward principal. At that point I was tired of the extra hassle of trying to pay extra on my loan that I asked for a payoff. When I was given the payoff amount it didnt reflect all of the extra payments I had been making. I was repeatedly told the extra payments were being applied to future payments. When I questioned this amount I was told it would take up to 14 business days to get back. At this point Im going to pay off this loan and will take them to court to get my extra payments and over payment on the interest I was charged. Terrible service | ||||||
| 01/03/2023 | Yes |
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| Our loan was transferred from The XXXX XXXX to PNC Bank in XXXX. Prior to the transfer, The XXXX XXXX sent us an Escrow Account Disclosure that stated we needed to pay {$260.00} or our would increase starting XX/XX/XXXX. Since I was already told that our loan was being sold AND MOVING TO PNC Bank as of XX/XX/XXXX I was confused. So I called The XXXX XXXX and told them I wanted to pay the amount due of {$260.00} but since our loan is being transferred do they recommend I wait and they said that's fine. So XXXX comes and PNC Bank finally sent us our first mortgage statement and it's our normal payment due of {$2600.00}. Nothing else comes in the mail until the next statement that says this payment is {$3400.00}. We called them right away to find out what happened. They said it's our escrow. We looked at the different statements and saw they are now requiring an increase in our escrow by an additional {$720.00}. Our payment was due but they ( PNC ) said we had to make payment now and we can figure it out in the next week or so. So we had the increased payment. I called back to PNC a week or two later to see if they figured out the problem yet and was told yes, they don't know New Jersey taxes so they double charged us ( County & City taxes ). I asked if this being fixed they said we are putting in another request for the escrow department to take another look at the account and they told me to call back in about a week. I call back again to follow up because another payment would be due again for XXXX and I was told another run around that we don't have any answers so you'll need to make another large payment. Now here we are in XX/XX/XXXX and another payment is due. I called today and they still don't have any answers. They just keep telling me to make these large payments. | ||||||
| 03/30/2021 | Yes |
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Web | Servicemember |
| I had a negative balance prior to getting the 3 rd stimulus. It went in via direct deposit so did my paycheck. I noticed a yellow triangle on my online banking at top. I clicked and its all jargon that a non banking person can not understand, so I called customer service. I spoke to a lady who I asked what this yellow triangle is for and why theres another credit in my account. She proceeds to tell me its Covid 19 relief from bank for overdraft fees I had. So I said ok thanks so much thats great! So I got that on the XXXX th into my account and contacted the PNC branch about this few days afterwards. Fast forward to XX/XX/21. My check at XXXX was declined. I called XXXX XXXX and that place is terribly wrong on many levels. Long hold times, unable to understand person on other end due to language barrier. They told me my bank did this. And to contact yet another third party so I did it was XXXX XXXX XXXX who stated also it was my bank. I reached out to PNC via online chat. And the girl told me my account was negative XXXX!! And it actually shows on my end XXXX and some change was in there left! So I then asked for a manager who told me they automatically did this for everyone who had a negative balance for stimulus! I never was informed, thats why I called when I saw yellow triangle caution thing on my account! So as a consumer, without my permission they did this and now Im out and flipped XXXX down again because of the bank. They did this I called to make sure got wrong information obviously and was basically told so sorry we will train staff more! Bull XXXX this was done without my knowledge, permission and this is unfair banking practices. Im now right back where I was prior to getting stimulus because of pnc bank and what they did without my permission and knowledge. | ||||||
| 05/31/2016 | Yes |
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| I have/had a student loan through PNC Bank, XXXX ( XXXX XXXX XXXX ) was servicing the loan for my time at The School XXXX. I was admittedly behind on my balance, I 've been unemployed for the past 3 years, I 've had issues with all of my loans, my government loans have all been put on hold because of my unemployed status. I made a payment of {$300.00} on XX/XX/XXXX. I received a letter from an assumed collection agency dated XX/XX/XXXX. this means it was sent to collections before the end of the month and therefor before it met the charge-off threshold. After I started the dispute process with the presumed collection agency, I began to think about this and realized something was not right : I was NEVER contacted by PNC or XXXX, by post, that my loan was going to go into charge off. They could have tried calling, I do n't believe they did however, and I know, no messages were left to my voicemail. When I began to investigate this I found there was a severe inconsistency between my credit reports and what I know to be true, XXXX states my last payment to PNC was on XX/XX/XXXX, and XXXX says its XX/XX/XXXX when like I said it was XX/XX/XXXX, I would have paid it again but I could n't because it was no longer there. In fact according to my credit report my account was closed in XX/XX/XXXX. I was completely unaware and thus I have become very confused. Where did the payments go that I made after that assumed time? I complained about PNC before, about this loan actually, and was told at that time it was the last time they would help me, so that 's why I never contacted them when I became ultimately behind this time ( case number XXXX ). As stated above and I am reiterating : I 'm currently disputing it with the presumed collection agency XXXX XXXX XXXX XXXX , XXXX ). | ||||||
| 01/18/2019 | Yes |
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| XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX cents, under their negative XXXX dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail. | ||||||
| 04/04/2016 | Yes |
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| As a way of background the servicing on my mortgage loan was transferred in XXXX XXXX from XXXX to PNC Mortgage - In XX/XX/XXXX the homeowners insurance was due to be paid. As a result of incorrect payee setup the Insurance was incorrectly paid and my insurance was subsequently canceled. My insurance agent called me on XXXX XXXX to notify me of the cancellation and I contacted PNC Bank. After an hour on the phone PNC bank did confirm that the account was incorrectly paid and spoke with my insurance agent to say they would overnight a check. A half hour later they informed my agent that they could not send out an overnight payment as they did not have the ability to set up a payee timely. My insurance agent called me at XXXX and informed me that if a payment was not received by XXXX the insurance was not going to be reinstated and I would continue without insurance. I subsequently made the payment of XXXX dollars and as of today I am still waiting for my refund from PNC bank. I have spoken with multiple representatives, Supervisors and left multiple messages for the manager to call me. Throughout this process one thing has been consistent - not one supervisor or manager will call me back. After speaking with another representative today I found out that once again the incorrect agent was paid and no one can tell me when I will get the refund. As the refund amount is XXXX my having to front this money for PNC has become a hardship. Unfortunately this hardship does not appear to be any concern of PNC Mortgage as there certainly has not been any urgency on their part towards resolving the matter never mind simply giving me a call back. The fact that this loan was transferred to PNC has become a challenge for my wife and myself and a scenario that we wish had never happened. | ||||||
| 11/08/2015 | Yes |
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| My name is XXXX XXXX, I am a XXXX+ year customer of PNC Bank ... My wife was very ill XXXX requiring a XXXX to save her life ... As a result she had to file bankruptcy which as her spouse, I had to be apart of the bankruptcy even though I had no bad debt reporting on my credit report prior to filing bankruptcy. On XXXX XXXX, XXXX our bankruptcy was discharged and on XXXX XXXX XXXX, I was able to secure a home loan at 4 % interest rate for {$170000.00} with also securing a New Car Loan for {$40000.00} at a 2.7 % Interest Rate ... On XXXX XXXX, XXXX, I paid my home loan and car loan off fully and secured another home loan interest rate 3.7 % and car loan at 2.7 % interest rate ... I applied for a PNC Credit card and was informed by a PNC letter that my credit was bad and I was late paying bills which was incorrect, I contacted the president of PNC with a follow-up later outlining their facts were incorrect, I was contacted by a supposed to be PNC Advocate after informing her of the situation, she stated after her investigation they could not approve me for a PNC Credit Card, even though I had paid of XXXX homes over {$200000.00} and XXXX cars over {$40000.00} unless than XXXX years, even with a recently approved XXXX XXXX and XXXX XXXX Card all limits over {$5000.00} ... She also stated that the bank reserves the right to deny and bank card or business from customers..I since found out that all PNC Banks have been denying XXXX veterans for credit cards even though they have their monthly direct deposit XXXX deposited into their PNC accounts ... As XXXX veterans we are good enough to have our money deposited into their banks, not good enough to secure credit cards??? How do I go about filing a discrimination claim against PNC Bank for potential illegal bank practices???? | ||||||
| 10/02/2020 | Yes |
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| We have tried since XX/XX/XXXX to resolve this issue with our present Mortgage Company, PNC Mortgage, as well as reaching out to the previous mortgage company ( XXXX ) and the appraisal company we were given of XXXX XXXX ( now known as XXXX ). We received a mortgage bill that included a line item for " Past Other Fees '' for {$390.00}. There was no separate invoice or letter explaining what this sudden charge was for. We contacted PNC on several occasions to get an explanation and we requested by phone for a separate bill advising us what the charge was for. We were finally advised on a long call with a customer service representative that this was for an appraisal done XX/XX/XXXX for XXXX XXXX ( previous mortgage company ) by XXXX XXXX. No one could tell us why PNC was charging us for this now, after 5 years. No one has let us know whether this was paid, or why PNC is billing us for it 5 years later. We did find out from XXXX that XXXX did order an appraisal when the PME was dropped, but we don't know whether we were notified when this happened ( or billed or should have been ), we still do not know whether XXXX paid XXXX XXXX or no one was paid, and if we were supposed to pay why we were not officially notified and billed. We are submitting a written request for information today to PNC as we are still waiting from our calls in the Spring XXXX to find out who paid who -- or not. We are willing to pay this bill, if it is correct and we have all of the information in a letter and or invoice detailing what we are being charged for and who was paid. We do not want this to effect our credit, nor our good standing with our loan ; however, we are getting concerned that we have still not received the information we requested in writing from our many phone calls. | ||||||
| 08/16/2022 | Yes |
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| Unbeknownst to me my previous homeowners insurance carrier XXXX, canceled my homeowners policy on XX/XX/2022. In XXXX of XXXX I was contacted through the mail by my mortgage company PNC Bank. They informed me that I no longer had homeowners insurance ( to which I was not aware ) and that I needed to purchase it. I reached out to avatar and I was told that they emailed me three times to let me know that my policy was being canceled. I asked them what email address they sent it to and they had left out a letter in my email address each time so I never received any notice. They did not bother calling me, nor did they bother mailing me anything. Homeowners insurance was purchased. I then receive a letter from PNC Bank telling me that I now owe homeowners insurance for XX/XX/2022 through XX/XX/2022. Unless I can provide proof of insurance or purchase my own policy for that timeframe, they are going to do it and charge me for it. I know that legally an insurance company can not write you a past policy so it wasnt possible for me to purchase a policy for that time frame. PNC Bank is charging me {$510.00} for an earned insurance premium since of course I can not provide proof of insurance because I did not have it. My new policy is {$1600.00} for an entire year and they are charging me XXXX of that for less than 15 % of the year. I received a check from avatar and I deposited it into my escrow account with PNC Bank so that they are not out any of the money that they spent for the previously canceled policy. I feel like I do not have any option but to pay this and is some type of extortion. They werent out any money because of this, no claims were made during that 2 month window and yet they are trying to capitalize on this. Is there anything that can be done about this? | ||||||
| 12/30/2018 | Yes |
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| This is what happened with me. - Posted an advertisement to sell my car as I am leaving country on XX/XX/2019 and found a tentative buyer ( Scammer ) who says he works for XXXX XXXX XXXX in XXXX, XXXX and is being transferred to XXXX, Ohio, US and would like to purchase my car as soon as he arrives. Also provided XXXX XXXX XXXX ID. - Promised me to send a check of {$1000.00} as deposit via his company as part of his relocation, so I dont sell the car to anyone. - Sent me a check of {$4000.00} instead of {$1000.00} and claims there was a communication error with this company and they have sent all the relocation amount to me and asked me to refund back the overage of {$3000.00} so he can book his flight tickets to US. - First I made sure I deposited the check on XXXX XXXX and funds were shown available on XX/XX/XXXX in my account which is when I initiated the process of refunding the overage amount of {$3000.00} through XXXX services of bank. - {$3000.00} sent to scammer and now I see the {$4000.00} check is being returned, which puts me at a loss of {$3000.00}. My concern is, as a general public who do not know the in-depth of banking process when I see the amount available in the bank it confirms me that the check has been cleared. Only then I felt that the check was cleared and I initiated the transfer of refund to scammer. After 2-3 days now I see the check is returned. I am sad because when something like this happens my bank did not communicate with me immediately via. email or phone when they realized the check has returned. If any immediate alert was given to me I might have been able to save atleast some money. Currently I have filed a police report and placed a dispute with my bank. There is a very thin hope that I might get my money back. | ||||||
| 06/14/2022 | Yes |
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| In XXXX 2022, I was notified via an old email address that a PNC bank account was opened in my name. I thought it was a scam email but decided to call the bank just in case since the email looked legit. Someone had opened an account with my information online and had access to online banking. I immediately contacted the bank and started the process to report it as fraud. I went into the branch and was able to report the account as fraud. I asked for a printout of the information and was able to determine the account was opened with my SSN, Name, Birthday and driver 's license #. HOWEVER, the address was a non-existent address, a fake phone number, and the license expiration date they provided, did not match my ID. I had already had a XXXX lock on my file because of another account that was opened a week prior due to fraud, but PNC never used XXXX XXXX ( despite telling me they use it ) to verify any information. It has become SO easy to open an online account with addresses/phone numbers and incorrect license information which is ridiculous if companies ARE SUPPOSED to be using XXXX XXXX. I pulled my XXXX XXXX report, and none of the XXXX ( so far ) fraudulent accounts/banks used XXXX to verify my information. It is now XXXX 2022 and I am STILL receiving " Low Cash Mode '' emails from PNC bank, the issue has not yet been resolved... and the only reason I'm still hearing from anyone is because I've become annoying to the branch. My file has been " lost '' and " overlooked '' several times so I now check in with the branch WEEKLY!.. STILL waiting on a resolution despite being told that the account is closed and not available to anyone... so why do I continue to receive " XXXX XXXX XXXX '' emails on multiple email addresses for this account if it's " closed ' | ||||||
| 04/14/2015 | Yes |
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| I have been struggling for over a year to work out a modification with PNC bank due to unemployment in 2013. We got to the point of short sale in XXXX, at which time I was assigned an attorney to represent me in the proceedings. PNC denied offer to purchase at the beginning of XXXX, since then they have refused to take the law firm off of my account as primary contact and have not spoken to me claiming that I need to remove attorney authorization. We have repeatedly emailed and faxed PNC with the requested letter from attorney. Last week I submitted another modification request asking PNC to consider modifying mortgage based on their - PNC Agent - BPO - value of {$60000.00}. I am still unable to speak with them, they refuse to change the attorney information. I had another foreclosure hearing this morning. PNC 's improper refusal to discuss my own account with me, for over 30 days, has negatively impacted my ability to work with them on a modification and avoid steps in foreclosure. As of this morning, the court has set a sale date and they STILL refuse to speak with me. It has been communicated to PNC numerous times that the authorization I originally signed allowing attorneys to speak with PNC about my account contains no cease and desist language at all. This is the final straw in the long list of ways they have kept me from working out a deal to keep my home. PLEASE help me. They have lost my paperwork, requested the same documentation over and over, claim they ca n't leave me voice messages, I did n't initial XXXX page of a XXXX page document, etc ... ... I want to keep my house, I am employed again and have been, I also have additional income with my father living with me. Their practices seem to be unethical. The refusal to speak with me is absurd. | ||||||
| 06/17/2020 | Yes |
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| Hello, I open an investment account with XXXX and when is time open the an account, XXXX apllication prompt me to log in to my bank account ( PNC ) and after logging in, PNC send me a 6 digit code for verification. upon putting the code, the application prompted me for a code again and when putting the code in, a message from PNC will appears that " PNC is blocking access to XXXX to access my checking. I called PNC and the person that answer the phone said to me that a security layer is in place across all account and this could prevent the access. He said that she will file a complain on my behalf and a few hours later, I got a call from XXXX XXXX telephone XXXX case # XXXX and XXXX implied that there is nothing wrong with my account and left me with no answer. And that's the reason why I am filling a complaint. Below is the replied message from PNC after account could not being link and denied On XX/XX/20, PNC Bank received a request to link one or more of your PNC Bank account ( s ) to an online or mobile financial service. If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. Call us at XXXX to report unauthorized activity. This alert was sent for user ID ending in XXXX. Thank you for banking with PNC Bank. This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Customer Service, please call XXXX ; Monday through Friday XXXX XXXX. to XXXX XXXX, and Saturday and Sunday XXXX XXXX XXXX XXXX XXXX ET. XXXX XXXX to view our privacy XXXX XXXX XXXX XXXX. Thank you | ||||||
| 06/12/2022 | Yes |
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| On XXXX XXXX I opened a dispute with PNC Bank regarding a transaction I had made in the beginning of XXXX. I had ordered something from XXXX, but had never received the item. I contacted the seller to resolve the issue, to no avail, so I contacted PNC. I received a letter the beginning of XX/XX/2022 that said my dispute was denied, and that I could call to request copies of the documentation used when making their determination. I immediately called to request these documents, because I know it is not possible that they have documents showing that I received something, that I absolutely did not receive. I was told the documents were being sent. About a week later I received a copy of the same letter they had sent me, denying my dispute, nothing else. So I called again, and again I was told they were being sent, again they sent me the letter denying my dispute, nothing else. This pattern has repeated XXXX XXXX XXXX XXXX I have been promised that I would receive my dispute packet and XXXX XXXX they have sent me the letter denying my dispute ; nothing else. During all of this I requested the assistance of a supervisor, I received a call from a woman named XXXX. I have spoken with XXXX multiple times, I was advised by XXXX that I should get in touch with XXXX again to see if they could be of assistance, so I did get in touch with them, this time by texting their customer service. I was told by XXXX that a chargeback WAS PAID to PNC Bank, so they couldn t help me. So if XXXX gave PNC my money back- WHERE IS IT?! I asked XXXX about this and she didn t have an answer. She has continually assured me that I will receive the paperwork that their letter tells me I have the right to request, only to receive a repeat of that same letter. This is beyond frustrating. | ||||||
| 02/23/2022 | Yes |
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| I have not received a complete 2021 Mortgage Interest Statement from PNC Bank. I had my mortgage with BBVA but unfortunately PNC acquired this bank. I received a statement from PNC that only covers the 3 months since the acquisition to year end. In the bottom part of the statement it says that if my mortgage was acquired by PNC in 2021 I would receive an additional year end statement from your previous servicer. ( See Attached copy of PNC statement. ) NEVER RECEIVED this additional statement. I called PNC 2 weeks ago. They told me two statements were sent, and if I just got one the other one was lost by the USPS. They also said that they could not give me a copy of the additional statement because they were still being scanned and uploaded to their system. They asked me to wait for the mail and if I didnt receive it to call again. I called today and received a TOTALLY DIFFERENT explanation. I was told that I was not supposed to get two statements but just one. This is in contradiction to what the official PNC statement said and also in contradiction to what PNC told me on the phone. I was told that they had to issue a correction so I can receive one consolidated statement. They said this could take up to 2 weeks. THIS IS UNACCEPTABLE. I have not been able to turn my tax material to my accountant because I am waiting on PNC. This bank either lying to customers or has not procedures. What is undisputed is that they are not complying with the deadline to submit these statements by XX/XX/XXXX. It is now way past the deadline and I have not received a complete statement. This is not the first complaint I file against PNC. Early after the acquisition they withdrew money from my account without consent and refused to wired it back until the CFPB got involved. | ||||||
| 08/04/2020 | Yes |
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| I was approved XX/XX/XXXX a new checking account. When I signed up for the account I sign up for one account instead I received three accounts : A " spend '' account, a " reserve '' account and a " growth '' account. What do those even mean? I've had checking accounts before and this is unique to PNC -- I didn't ask for a sign up for three accounts only one account from which to do my banking. because I had three accounts, I make an error and bill paid from the wrong account -- the reserve account. Because all of my funds were in the spend account and not the reserve account, I was charged a {$36.00} fee on XX/XX/XXXX, because there were no funds in the reserve account. Then, against my knowledge and against my wishes, PNC Bank via their bill pay service " XXXX '' trying to pay the bill again on XX/XX/XXXX, even though the payment was reversed XX/XX/XXXX, by the payee XXXX XXXX XXXX. because they were still no funds in the account I never wanted and don't know how to use, I'm going to be charged a second {$36.00} fee caused by the bank! I called the bank XX/XX/XXXX, reverse the first {$36.00} fee because of the screw III accounts that don't make sense and they declined. I called XXXX XXXX AVP branch manager on XX/XX/XXXX, attempt to reverse the fee because of these weird three accounts and she was unable to reverse the fee. However this is when we discovered that PNC Bank was pulling funds from the reserve account again likely resulting in a new {$36.00} fee. I called PNC Representatives again at XXXX XXXX suggestion, to attempt to reverse the bill pay. The rep stated she could not reverse it and that I would need to call in again when the new fee hit my account to see IF it could be reversed. I'm unemployed and can not afford these fees. Please help. | ||||||
| 08/01/2016 | Yes |
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| Banks are free to over-charge consumers with astronomical overdraft fees for transactions, particularly when a consumer makes an HONEST effort to make deposits the same day or XXXX3 days prior to cover insufficient funds. The FDIC Truth in Lending, Congress or the President of the United States should regulate the overdraft fee. America 's big XXXX banks made over {$5.00} billion last year from overdraft fees alone. The result is that JPMorgan took in {$1.00} XXXX from customer overdrafts. Bank of America and XXXX XXXX took in {$1.00} XXXX each. The CFPB ( Consumer Finance Protection Bureau should consider implementing additional rules on overdrafts. Fees on the " regular XXXX '' bank account made up about 4 % of operating revenues for America 's biggest banks last year, according to XXXX XXXX. Overdraft fees, which represent approximately 60 % of the fees charged by banks. Only 10 % of the population pays 75 % of the fees, and they tend to be the most economically vulnerable, including our troops, consumers who are between jobs and making effort to cover transactions, and consumers who travel on the road frequently. According to data collected by the Federal Deposit Insurance Corporation, overdraft fees collected by big banks are up 6 % from a year ago, the XXXX reports. " Over the years, overdraft programs have become a significant source of industry revenues, and a significant reason why many consumers incur negative balances, '' CFPB Director XXXX XXXX said in XXXX. " Too many problems with overdrafts can cause people to give up on the banking system or force them out of it altogether. '' Losing that much money to fees can make it difficult to pay necessary bills and make loan payments, which can end up damaging a person 's credit standing. | ||||||
| 03/29/2023 | Yes |
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| I filed XXXX debit card disputes with PNC on XX/XX/XXXX and XX/XX/XXXX due to issues with merchants not applying refunds/credit not received after cancellation. PNC did not give me a temporary credit to my account for either claim, so I reached out to have it expedited due to family emergency/hardship situation Im dealing with. PNC support does not allow me to speak directly to the disputes department when I call. Even after finding a direct phone number, I was routed to regular customer service as they dont deal with customers. The customer service representatives are not knowledgable about the claims process and cant give any direct updates about the cases- they call over to the disputes department that Im unable to be directly transferred to. The first customer service agent I spoke to informed me the expedite was denied directly by the disputes department after calling over. Customer service agent XXXX also informed me that due to the nature of the dispute being a merchant dispute for a refund not received, it doesnt qualify for a temporary credit at all and it cant be expedited. I was told to wait 45 days for the dispute to be resolved or work it out with the merchant, which is against Regulation E. The regulation requires all financial institutions in the US to provide a temporary credit if the dispute is not resolved within XXXX business days, regardless of the dispute reason, as long as the transaction was made with a debit card its covered. I have sent all of the the required documentation to win these disputes ( email screenshots from the merchants confirming cancellation of order, refund is owed ). PNC needs to issue my temporary credit or resolve this dispute in my favor within the XXXX business day time frame of these claims being opened. | ||||||
| 05/19/2022 | Yes |
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| I want to complain about this bank " PNC BANK , NATIONAL ASSOCIATION. '' I will attached letters that I received from this bank. I have an account with this bank. I open a checking account with this bank. Before they were called BBVA COMPASS BANK. I closed my checking account with this bank early this year XXXX When I closed my account I went to the employee were they do everyday transaction not to those employees where they work at cubicles. When I closed my account I was given my remaining money. I forgot how much but it was a cash. After I closed it I gave my unopened letter with my new ATM debit card inside to the teller that closed my account. After a couple of months I received a check from the bank in the amount of {$48.00} upon receiving this check I called the bank to asks what is this check for I was told it's my money and I can deposit it to my bank. After couple of months when I did deposit the {$48.00} check I received a letter from the bank that I owe the bank money and in this letter its already outstanding and due. After receiving this letter I called the bank and asked how come I owe the bank a money I was told that I have a balance on my line of credit I told them I do not have a line of credit and I asked the person on the phone what is the transaction and when the transaction happens. The person I'm speaking to can not explain to me the transaction they were asking me to pay after this I asked them about my account when I closed my account and how much money they returned to me they said they don't know. The documents that I attached here are the check that they issued to me XXXX letters and XXXX letters of line of credit account statements these statements have XXXX pages in it. This bank is located at XXXX XXXX XXXX XXXX | ||||||
| 02/28/2017 | Yes |
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| I applied for a PNC CashBuilder credit card ( for the first time ) which offered an incentive of {$100.00} ; the offer was sent to me by mail and I was approved. I met the criteria for the {$100.00} to be awarded ; however PNC states that the incentive will not be granted because I already received XXXX {$100.00} incentive on a completely different type of credit card ( PNC Points ). I 've never applied for nor had a PNC CashBuilder credit card until now and if the incentive that was offered was n't valid they should n't have sent me this Pre-Selected offer. I 've been an upstanding patron of PNC with the same checking & saving account and primary credit card for 28 years. PNC has no time frame allotted between bonuses awarded nor specifications on the different types of cards ( PNC Points, PNC CashBuilder ) applied for that eliminates eligibility for the {$100.00} incentive. Example : if you get XXXX {$100.00} incentive on a specific type of credit card ( PNC Points ), PNC does n't specify that the completely new different type of credit card applied for ( PNC CashBuilder ) does n't qualify for the {$100.00} incentive once received on the initial XXXX ( PNC creates new credit cards throughout the years so how would a consumer know ). Also, PNC does n't give any time frames on the duration of time that you will not receive additional incentives when your approved for other Pre-Selected offers with incentives attached. Example : If you meet the criteria for XXXX {$100.00} incentive, PNC does n't specify that if you apply for another completely different or the same credit card later within 1 year, or after 1 year, or after 2 years, or after 5 years, or after 10 years, or within a lifetime that you would not qualify for the {$100.00} incentive offered. | ||||||
| 05/09/2016 | Yes |
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| I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found two reputable banks with good promotional offers that I could meet the requirements. One of these was PNC. They offered a {$400.00} bonus for opening a checking account and making direct deposits plus paying a bill online. It sounded good, but I wanted to check that I met requirements so I called a rep who assured me I did, and to apply through the link. I met the requirements within 60 days and even did a web chat with a representative to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because she confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was for existing PNC customers, and this was my first PNC account. I can understand this ; however, what I can not understand is that I called/web chatted/went in person not one, but 3 different times to ensure that I 1 ) met requirements prior to opening account 2 ) met the direct deposit and bill pay requirements after account was opened and requirements met 3 ) took offer into the bank who again confirmed I met the requirements and met the offer and read through offer multiple times. If 3 of your staff members assured me that I met all requirements, then I do n't understand how you ca n't honor the bonus payment. Also, I recommend you retrain staff on requirements. | ||||||
| 11/23/2016 | Yes |
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| Regarding PNC Acct. No. XXXX. The purpose of this complaint is to compel PNC to delete the XX/XX/XXXX payment information currently reported by XXXX and XXXX regarding the above-mentioned account. Based upon data provided by PNC Bank, XXXX and XXXX currently report that the XX/XX/XXXX payment of the account greater than 30 days past due ; however, PNC Bank 's website reported a payment was scheduled to be made within 30 days of the XX/XX/XXXX due date. By default, PNC 's website displays a false " Next Scheduled Payment, '' which reports a false payment amount and false payment date, each and every month that a balance is due. By way of example, the attached Line of Credit Account Statement states that a payment of {$45.00} is due on XX/XX/XXXX. A screenshot of my account on XX/XX/XXXX states " Next Scheduled Payment : {$90.00} XX/XX/XXXX '' However, no payment was made on XX/XX/XXXX. I called PNC Bank 's customer service number on XX/XX/XXXX and spoke with a representative named XXXX, who stated that the XX/XX/XXXX payment being reported on PNC Bank 's website was an error. I also spoke to his XXXX, XXXX, who also confirmed that the payment being reported for XX/XX/XXXX was an error, and confirmed that the website contained an error. During the month of XX/XX/XXXX the website reported in the " Next Scheduled Payment '' field, that a payment in the amount of {$230.00} was scheduled to be made on XX/XX/XXXX, when in fact NO such payment was scheduled. PNC 's website contains an error, which is fraudulent and misleading. I relied upon the information provided on PNC 's website and did not take additional steps to satisfy the payment due in XX/XX/XXXX. As a result, PNC should delete the XX/XX/XXXX payment information with the XXXX and XXXX. | ||||||
| 04/17/2023 | Yes |
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Web | Older American |
| On XXXX XXXX XXXX XXXX XXXX I went to my local XXXX NJ branch of PNC Bank to open a joint account with my brother and sister in law who were both visiting from XXXX. I have a 30+ year relationship with this bank having joined with my spouse in XXXX of XXXX. My XXXX adult daughters also hold accounts in the same branch. At no time was I ever given any indication that there would be problems with the account. Indeed, that day, we deposited {$5000.00} into it. On XX/XX/XXXX, I received a letter from the bank indicating the account had been closed. No explanation given. I have called the indicated number. The bank does not answer the line with a live person. In fact, they do not return calls. So I wrote a letter which I will attach. Today, I have received a phone call. Pure and simple, it is what I expected : the bank has the right to close your account at any time and for whatever reason " just the same way you can close your account at any time and for whatever reason ''. I find this disappointing and also, a poor commercial practice. For one month the bank was happy to keep our money until they decided, for an unknown reason, to sever the relationship. We could have and probably will select another bank that can cater to our situation ( e.g., a US citizen that wishes to open a joint account with non-resident relatives ). The only account closed was the joint account with my brother and sister in law. I suspect there is nothing in the law that can help me redress with the bank but I wish to nonetheless file notice with CFPB this is one problem that needs to be fixed. At the very least, banks should be able to explain why the took action to close and also, they should be able to explain their policies for opening accounts with non-residents. | ||||||
| 11/25/2018 | Yes |
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| I received a {$36.00} overdraft fee on XX/XX/18. On XX/XX/18, I had {$6.00} in my bank account. I had a deposit of {$10.00} sent via XXXX to my account that day. Which meant I would have had {$16.00}. I can provide an image of all items that were still in the pending status as of XX/XX/18. Except for one item - XXXX XXXX for {$15.00}. That was NOT posted or even in pending. I had the {$10.00} deposited specifically because I knew the {$15.00} would post the next day. The {$10.00} would have added enough to my account so I wouldn't go into the negative. I can also provide the receipt for the deposit which states " The money will be in your account TODAY. '' Unfortunately, I am not able to show how that account looked that day. From the next days ' image it is hard to understand that because of how the items actually posted. Regardless, if you would go based upon the screenshot of my account. It should have added {$10.00} to my balance before the pending items posted which means the computer system should have given me a balance of {$82.00}. With that balance, my account would not have gone into a negative balance. I went to the branch to try to have the {$36.00} overdraft fee reversed. However, they were not able to do that since they said the deposit was made after XXXX XXXX and it didn't post until XX/XX/18. I was not made aware of this by PNC. Specifically, I was informed of the exact opposite. The receipt I have says " The money will be in your account TODAY '' If at any point PNC made aware I would have gone to an ATM and put the money in that way. I should not be penalized for misleading information sent directly from PNC. I am asking you to help reverse the fee. Additionally, for them to correct their official misleading policies/information. | ||||||
| 06/06/2019 | Yes |
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| I have over the last few months have had several withdrawals from my account by XXXX XXXX XXXX CA. I have a son that's in college and told me to use this service to send him money. I did but I noticed every time after I sent him the money they would take out way more than was sent to him and what I authorized so I started to email and call XXXX XXXX XXXX and I was getting no where. Emails would be sent back to me stating that they were researching but they never did anything. You can not contact these people everything is electronic. So I finally just went online to my bank account and started o dispute the charges with my bank account last month. The last few weeks PNC Bank has started to reverse the provisional credits that they had given me for these charges giving me a the reason that the they are unable to research and or dispute outside or sorry third party vendor disputes and that I have to dispute directly with XXXX. I told them I tried for over a month and this is alot of money that has been taken out of my account they basically stayed on their script. They should it is nothing that they could do it is bank policy it will be denied and all the others will be denied. They basically told me that sorry we are not going to help you figure it out on your own, I have run out of options. I need this to be resolved I need my money back in my account because now my accounts sit in a negative balance. The charges that I am disputing are as follows : XX/XX/2019 {$160.00} taken from my account should have only been {$40.00}, XX/XX/2019 {$230.00} taken from my account should have only been {$20.00}, XX/XX/2019 {$600.00} taken from my account should have only been {$60.00}, XX/XX/2019 {$400.00} was taken from my account should have only been {$20.00} | ||||||
| 03/11/2016 | Yes |
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Web | Older American |
| I am a customer of PNC bank ( formally XXXX XXXX ), have been banking with them since the XX/XX/XXXX 's and have both mortgages with them. Recently my equity line became due. I was working with them to try to refinance the line but they declined due to collateral. Then I was forwarded to a modification department who again declined due to collateral. Finally I was sent through a hardship department who said they would modify it but at a payment XXXX 's what I was paying. Living paycheck to paycheck, I could n't afford it. I requested different terms as I have never missed a payment with them and they declined. Since I was n't able to afford the modification, PNC told me they basically would write the debt off XX/XX/XXXX. I heard nothing from them until XX/XX/XXXX when they withdrew {$7000.00} from my checking account leaving me with {$100.00} for the month. There was no mailed notices saying they were still trying to collect the debt or anything. When I spoke with someone from PNC, they stated that the loan had been charged off and they were allowed to take all the money that they owed and basically accused me of being a deadbeat. The money that was in the account was from a retirement account to be used to fix the house to the city and insurance codes as the roof and tuck pointing needs to be done or I will be fined and lose the insurance on the home. I asked PNC for a copy of the Note and was told they could n't send it to me. I am not sure what to do as everything I have read about these " set off 's '' stated that they had to be actively trying to collect the debt ( they had n't ), the account had to be in collections ( it was n't ) and they could n't touch any money that came from a retirement account. I am not sure my options at this point. | ||||||
| 04/28/2023 | Yes |
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| I requested PNC Bank close my escrow account. I received confirmation from PNC that escrow account closure was approved. PNC letter dated XX/XX/XXXX, to close escrow account requested closure fee {$900.00} + negative account closure balance {$3800.00} = {$4700.00}. I returned PNC signed consent form + I sent PNC cashiers check {$2200.00} + I paid 2nd quarter XXXX XXXX property taxes which was becoming due the XXXX of XX/XX/XXXX of {$2500.00} = {$4700.00}. PNC Bank now owes me {$400.00}. PNC is refusing to close escrow account and is demanding I return payment to them of {$2500.00}, the exact amount of confirmed property/city taxes paid to the XXXX of XXXX XXXX XXXX I have been in contact with XXXX XXXX, XXXX at PNC Bank, Executive Client Relations ; who has gone incognito as of Friday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called PNC Customer Support and was told they could not help as this matter has already been escalated. My mortgage account has been abandoned and is racking up unnecessary fees, which I know will be removed by PNC. I was told by PNC Customer Support they could not help as this matter has already been escalated. I find the whole thing preposterous. It was PNCs gross neglect of my account which caused a negative escrow balance to arise in the first place. And now similar to creating a negative escrow balance by failure to properly pay automated property taxes, PNC 's gross neglect of my account to close escrow is causing me severe anxiety and distrust of this institution. PNC should acknowledged that escrow has been closed. PNC is still escrowing - why? I do not want PNC in my account other than to accept mortgage of {$1800.00} which becomes due on the XXXX of each month. Kindly return overpayment PNC check to me of {$400.00}. | ||||||
| 06/13/2020 | Yes |
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| The CARES Act allows borrowers with government backed mortgages ( e.g. XXXX XXXX and XXXX XXXX ) to defer payments up to 6 months, with a simple claim they have encountered financial hardship because of Covid 19 pandemic. The mortgage holder / loan servicer is to defer payments for up to six months without documentation of hardship. At the end of the six months, the borrower can choose to take an additional 6 months deferrement, pay the amount deferred, modify the monthly payment amount, or extend the maturity date for the months of deferrment. It is understood that the normal interest accrual will continue during the deferrment period. Numerous source documents, including the CFPB website, reflects this information. PNC Mortgage requires an application, proof of hardship, and allows only 3 months forebearance, after which the loan must be brought current with a lump sum payment ( 4 months payments ). PNC Mortgage reserves the right to offer loan modification ( e.g., increased monthly payments ) as an alternative to the lump sum payment. However, going into the 3 month forebearance period, the borrower has no certainty of what PNC Mortgage will require. I spoke with, and emailed with, XXXX XXXX, XXXX. She claimed that PNC Bank was awaiting clarification from the federal government about the policies, and claimed that the CARES Act was not clear. After I emailed her that I intended to take the option of deferring payments for 6 months on my government backed loans ( one XXXX XXXX, one XXXX XXXX ), and having the maturity date extended by 6 months, I received documents informing me of a 3 month forebearance, after which I must make a 4 month lump sum payment to bring the loans current. This contradicts the CARES Act, and the CFPB guidance. | ||||||
| 02/16/2019 | Yes |
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Web | Older American |
| PNC sent a letter on XX/XX/XXXX saying that they were forgiving debt of {$58000.00} and discharging a property lien.The only obligation I had with PNC was a mortgage of XXXX and a second mortgage of XXXX that they sold to XXXX.These were both obligations that I had no personal responsibility on but were attached to my property I followed up with PNC and was told that the XXXX 2nd lien on my property would be released. This was never done and instead PNC sent a mortgage discharge of a mortgage that no longer existed on a property that I didnt own.I complained to PNC about this at least 11 times in writing in XXXX and filed a complaint with the CFPB.PNC discharged a mortgage that didnt exist on a property that i didnt own and said they forgave debt that i didnt owe.This was wrong and illegalYou can not " forgive '' something that is no longer owed and that is what they are taking credit for.. PNC was using this " debt forgiveness '' as a means to satisfy the XXXX XXXX dollar fine levied by the federal reserve on XXXXThe fine could be satisfied by forgiving legitimate debt, instead PNC tried to forgive debt that wasnt really owed and that they couldnt and wouldnt collect PNC then sent on XX/XX/XXXX a 1099C saying they forgave the above debt ( that I didnt owe and that was discharged in Bankruptcy ) .I did not owe any debt to PNC so they could not forgive it.PNC committed tax fraud and regulatory fraud by saying they forgave debt that didnt exist and using the forgiveness to satisfy their obligation to the federal Reserve ironically as a fine for unsound mortgage servicing practices. I am attaching debt forgiveness letter, Federal Reserve Memo on PNC fine, emails showing my repeated contact with PNC on this issue and the 1095c they recently sent. | ||||||
| 06/06/2017 | Yes |
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| I have tried to refinance with this particular bank XXXX XXXX XXXX XXXX located in Pennsylvania presently owned by PNC Bank, the first time they told me that they were going to process my request and send me a pkg with all the papers to apply for refinance my loan and after a while they send a letter that they denied my application because they do n't do refinance waste my time and effort, Second we apply again and they told that I was going to get consider to get a refinance or modification to my loan to reduce my payments and go to from variable rate to fixed rate on top of all this my primary bank XXXX XXXX wanted to take over and combine both loans into one which was great and the XXXX decide to block and not to released my Leon on my house after I tried to talk to them for several months and my XXXX received a letter saying they were not going to release my Leon on my house with no reason and my family and I had the opportunity to solved this situation over two years ago and we find out that it was unfair from this bank XXXX or PNC bank to abuse authority to block my high potential getting a consolidation loan thru XXXX XXXX that was willing to do it for us, I have evidence that XXXX can back me up that I should got my Lein on my released by them and case could be solved two years and presently my house uts in jeopardy and their lawyer send me a letter that my house loan to be paid in full or conditions can be arranged to paid over {$10000.00} dollars so we do n't have that much money to avoid to go to court and we can loose our property we need help from this agency and that 's why we putting a complaint against this bank XXXX or PNC bank hopefully we heard something soon, much appreciated from my family and I Sincerely XXXX and XXXX XXXX | ||||||
| 02/12/2016 | Yes |
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| XX/XX/XXXX, I experienced a loss of employment and was forced to put my home on the market, as I could no longer afford it. I ended up having to do a short sale on the home, and it was approved by my mortgage companies. My XXXX mortgage was completely resolved with the proceeds from the sale. However, soon after, I was notified by PNC Bank that my home equity line of credit was not completely resolved. They told me that a balance was still owed. I immediately resumed payments on this account, and have made consistent, monthly payments on this account for well over three years now. It recently came to my attention that PNC Bank is reporting this account as a collection account! Despite three and a half years of loyal, timely payments, they are reporting this account as a collection account. Additionally, I have discovered that they are re-setting my date of last activity every time I make a payment. So instead of reporting the date of last activity as the date they put the account in collections, they continue to re-set that date monthly. I can only assume that they are doing this to perpetuate the seven years they can continue to report this debt on my credit report. My credit is not perfect, but this situation is having a devastating effect on my overall credit rating. I have contacted PNC Bank about this situation on numerous occasions, but they offer no resolution. There were XXXX different avenues I could have taken about this matter when the short-sale occurred. I could have just let the account go, and stopped making payments. After all, I no longer lived in the house. However, I decided to do the honorable thing, and continue to make loyal payments to this debt. In my opinion, PNC Bank has literally punished me for doing the right thing. | ||||||
| 05/03/2022 | Yes |
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| So we get a A phone calls saying my nephew is in jail and his bond was {$6300.00} and they needed 10 % they put a person on the phone who was crying and it did kind of sound like my nephew so of course were in a panic him his name was XXXX XXXX that was the lawyer that called and he said since the court was closing and during the pandemic we cant go in so he gave us a name for XXXX XXXX who is a XXXX agent who is in charge of all of expunging records like a program once its completed and he told us to go to a PNC Bank XXXX XXXX XXXX. and we get there he gives us a one time access code I had to do it three times because you can only do so much at once we put {$6300.00} in after that I would say within 30 minutes we started to realize it was a scam I reported it to the police I reported it to the bank right away the bank did nothing told me they couldnt freeze the account until further notice so this money is probably gone their exact words was its a he said she said issue and the detective would have to subpoena everything and I would have to hire a lawyer I have bank receipts and you can see me on the ATM it also gave me an email when I did it which was XXXX XXXX the officer was XXXX XXXX case number XXXX the ATM is XXXX XXXX PM and its called a card free ATM access. Im surprised at the bank said they sent it to the escalation department but didnt do anything to this other persons account they didnt freeze it they didnt put it on a hold they just let the funds go because I am not personally a PNC customer my XXXX is and because of that its making it harder according to them I am frustrated with how the whole system is with the Police Department FBI department and the banking department there should be more things put in place to protect people | ||||||
| 01/03/2020 | Yes |
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| I purchased a new home and the loan servicing is being provided by PNC Bank. I was only able to put down 10 % to close on this home because I had to close on my existing home. My existing home closed and I was ready to put another 10 % down on this home. However, my loan was sold and in limbo for a few weeks. Once I received information on how to contact PNC, I contacted them in late XXXX. However, they told me they could not help me until after XXXX. I called back around XXXX asking how I get online access to may a principle payment. They needed to mail me a PIN. After about a week, I called back because I had not received it. After much back and forth, I finally got access because they were able to give me a PIN on the telephone call. Why was that not offered the first time? After I got online access, I did not see a way to make a principle payment. After speaking with someone, that option is only available to those consumers with a deposit account with PNC and not something I can do with just a mortgage. Why does PNC prohibit a principle payment option to any mortgage customer? The principle payment is for mortgage customers. Why do I need additional relationships with PNC to have this functionality? In mid XXXX was able to make additional payments to PNC to bring my loan balance under the 80 % threshold. Now, on XX/XX/XXXX, they tell me they still have not completed a review of my account to have the PMI removed. PMI is something that is absolutely necessary. However, the removal process should be simple and easy for consumers. No one should have to jump through hoops and wait weeks for a review. It is unacceptable PNC Bank makes it hard to get online access, make principle payments and have such a delay from request to decision. | ||||||
| 12/03/2023 | Yes |
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| I had an open checking and savings account with PNC Bank, on XX/XX/2023 there was a fraudulent transfer made on my account for the amount of {$1300.00}. This caused my bank account to be overdrawn by over {$400.00} and also made my overdraft protection kick in and take {$850.00} out of my savings account. I opened a fraud dispute with PNC and after about a XXXX weeks of " investigating '' they told me the transaction was authorized because they found that the IP Address of the transfer was traced to XXXX miles from where I locked my card after finding out about this transfer. I had explained to PNC several times that I was not in my home state at the time of the transfer because I was on a work trip in South Carolina. They would have been able to tell all of this by looking at recent transactions and also seeing my card declining at XXXX XXXX. I then filed another dispute to have it escalated which when they would call me I would miss it by a few minutes and then immediately call back and leave a voicemail only to receive nothing back. Eventually I tried to reopen the dispute once again and they told me it could no longer be done because my account had been closed for some reason during an active fraud investigation. I have many screenshots of proof including clock in locations from my job on the dates on and around XX/XX/2023. They told me to open a report with my local police department, who told me they couldn't do anything, and to also see if I had a case of identity theft ( which I did not ). This was something that easily could have been investigated and fixed but they made it an extremely difficult process resulting in my losing money and somehow still owing them money. They refused to even look at any of the proof that I had and told | ||||||
| 07/20/2023 | Yes |
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| ( XX/XX/23 ; XXXX ) I received a scam call from the PNC Bank Customer Service Line . They informed there was a fraudulent charge through the XXXX XXXX. I told them I made no charge through XXXX. After activating the XXXX account while on the phone with the scam caller, there was one transaction already made on the app, to XXXX XXXX. Talking further with the scam caller, they informed me that to refute the charge, I had to send {$100.00} labeled as " void '' to be able to refute the first charge. I argued with them on why it needed to be done and they tried to reassure me that they were PNC Bank, but referring to the phone number on the back of my card, stating it matched the number they called me from. Once I confirmed the number, I asked more questions about why I had to send money, and from what was said, it sounded like some of the things the bank told me in a ( XX/XX/23 ; XXXX ) earlier phone call about other fraud charges that resulted closing my card on the same day. I have tried to dispute the charges multiple times ( XXXX XXXX XXXX XXXX XXXX ). On a phone call today ( XX/XX/23 ) was essentially told I am at fault by their Escalation Department and they do not protect scam, even though one payment of {$59.00} was not made by me. I will admit I sent the {$100.00}, as described above was apart of the process in refuting the transactions. Neither PNC Bank or XXXX will help me in receiving my money back, even though I have explained I do not know who the money was given to and I was called from the PNC Bank Customer Service Line. I have also been told that PNC Bank is not affiliated with XXXX, yet they have a personal link to XXXX in the PNC Bank mobile app and receive promotional emails from PNC Bank to use XXXX through their mobile app. | ||||||
| 02/08/2022 | Yes |
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| I purchased a car on credit through Compass bank or better known as BBVA in XXXX of 2019. I have always paid my note ahead of time. I paid my loan up for 6 months and still made on time payments every month. Apparently, PNC bank purchased BBVA at some point and I had no clue until I got a bill that looked unfamiliar. So I called them and the lady explained that transition had happened and that I am behind on payments with them. I explained that cant be so and asked her to check financials of bbva to confirm. She said she didnt see any payments and that prompted me to ask, did I have a contract with them stating that I owe them any money at all. She said no, we dont have paperwork saying you owe us, we just simply purchased the company and took over the files. I asked, how did you get all this information on me but didnt get my payment history. She said we have what bbva gave us, which was inaccurate. I immediately went to the app to show her proof but bbva had wiped my account out. So I then asked for proof on paper that I owed them. I asked her to validate the debt to be sure Im paying the right people and to ease my mind before I pay someone whos scamming. I never received any documentation proving wholeheartedly that I owe them ( PNC ) anything. No contract in place at all and I feel like I wasnt in the wrong for confirming who Im paying and why before I did. After not proving anything, 3 months later, they repossessed my car at XXXX which is against the law as well. They never sent me a notice saying it was out for repo which is against the law on top of demanding money with no contract in place which is against the law. They did not follow common law nor consumer law so I feel like I should make an example out of this situation legally. | ||||||
| 06/13/2022 | Yes |
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| Good morning Aware we were almost done with the car payment we placed a call to ask for the pay-off amount to ensure we were sending the right amount. Last payment of {$400.00} was made on XX/XX/XXXX ( monthly payment was {$380.00} ). As with other accounts we were waiting for the car title but never received so on XX/XX/XXXX another call was placed to ask them about the title. Customer service checked my account and after a few minutes I was told everything was in order that if I want the car title I need to request it at my county or local DMV. Recently I was notified that there was a event to my credit report which affected my credit score ; when I checked my credit report I noticed the loan in question ( PNC Bank/BBVA ) is sending them a report as I owe them money. Like I owe them for XXXX payment and this event is affecting my credit score negatively. I was never late to payments and I did my due diligence to call and ask for a pay-off amount. Wanting to clarify this situation I called again XX/XX/XXXX. On this day, I got transferred on multiple occasions and after a little over 2 hours I was told that it shows I owe money but that someone will call me to clarify the situation with me. Also my contract that i sign on XX/XX/XXXX stated that my monthly payment is {$370.00} but them pnc change to {$380.00} without explanation. If someone show up and repocess my car for this I will contact an attorney, I still waiting for my tittle. I contact them numerous of time with no resolution This situation is not the best for customer satisfaction. XXXX XXXX she call me XX/XX/XXXX and she was rude, liar, incompetent and disrespectful. I pay my bill on time but PNC ruin my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/11/2023 | Yes |
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| I opened an account with PNC bank on XX/XX/2023 based on a flier I received in the mail. The account was opened in the branch at XXXX XXXX XXXX XXXX in XXXX, Virginia. Following were the terms of the flier ( attached ) : XXXX. Earn {$400.00} in checking account if a qualifying direct deposit is made. XXXX. Earn an additional {$200.00} when a new Growth savings account is opened and an average monthly balance of {$10000.00} is kept for three statement cycles. I received the first promotion. However, I have not received the second promotion. I contacted the bank numerous times and they told me that they have made a mistake while opening the account and will correct it. However, it has been more than two weeks and they are just passing me from XXXX department to another and have stopped replying to my emails or returning my calls. I spoke to XXXX XXXX on XX/XX/XXXX and she asked me to send the promotion I received to her by email. I sent the promotion to her the same day. She replied on XX/XX/XXXX and said that it was their mistake and they would escalate it as it can not be fixed in the branch ( Email attached ) I got an email from XXXX XXXX from PNC bank on XX/XX/XXXX after the escalation asking for the copy of same promotion that I sent to XXXX. I sent it on XX/XX/XXXX. ( attached ) I did not hear from her after that and sent another email on XX/XX/XXXX to XXXX with a copy to XXXX. They never replied to the email ( attached ). I also called up the bank on XX/XX/XXXX and spoke to XXXX, the bank manager at the XXXX XXXX XXXX XXXX in XXXX and he said he will get back to me the same day. However till date I have not heard from him. PNC bank is involved in false advertising and deceptive practices to make customers open their accounts. | ||||||
| 11/30/2018 | Yes |
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| Over the past three years, I have repeatedly tried to get my ex-husband, XXXX XXXX, removed from my checking/debit account and my credit card account through PNC Bank. I opened this account and credit line as a single individual, and at no time, listed him as part of the account or listed him as an emergency contact. For some reason, PNC has been unable to explain why he has been linked to my accounts. Over the past three years, XXXX XXXX has received account notifications as well as account alerts when there is suspected fraud ( i.e., if I am traveling out of the country ). At each occurrence ( the last at the end of XXXX and is noted on my account records at PNC ), I have contacted PNC Bank and they assure me that his name and access has been removed, but then I find out he has been contacted again by PNC regarding " fraud '' on my account -- which also gives him PRIVATE information regarding financial transactions as well as my locations. This occurred again today, XX/XX/XXXX. He was called by PNC regarding a " Fraudulent Purchase '' on my debit card. When I contacted PNC, they stated they saw that I had called in XXXX regarding the same issue, but " nobody followed through on making sure it had been dealt with. '' And then stated it appeared he had access via my ONLINE banking. Again, I have NEVER linked his name to this account. I have NEVER granted him access to my account. I have NEVER agreed that he should receive PRIVATE information regarding my account. I need action taken immediately on this and I believe I should be given financial compensation for illegal sharing of my private banking information. My divorce was not amicable, and I have no idea how much of my financial information my ex-husband has been able to access. | ||||||
| 11/19/2018 | Yes |
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| I saw a credit, from a merchant XXXX dated, XX/XX/XXXX for {$16.00} on my visa card activity history ( Visa card issued by PNC Bank ). I called the PNC VISA customer service, the rep said that VISA USA under the agreement with various merchants provide the credit card info to third party merchants for a fee. Go talk to them, reached the VISA USA at XXXX. XXXX the rep at VISA said, if the merchant says, that I have a recurring auto debit agreement or SOMETHING LIKE THAT ( nothing specific ), The VISA USA in conjunction of banking institution, in this case PNC bank will give MY PERSONAL FINANCIAL INFORMATION TO THE MERCHANT for a fee. So Visa says, burden of proof is upon merchant to provide unimpeachable documentation that I have given them consent to get my financial information from VISA and THE BANK. Apparently, I can close my account with merchant, terminate all agreements but VISA USA/PNC will give Visa/Financial ; information of mine to merchant just becausethey asked for it. Visa USA conferenced in the PNC bank representative. The Bank said, THEY WILL GIVE MY FINANCIAL INFORMATION, away, to Business partners and affiliates. Based upon this ambiguous hearsay, all of sudden, PNC bnak is an Affiliate to XXXX water delivery, and without my knowledge, or consent give my informatrion to the merchants that pay a fee for the list of their customers account info. Please audit the PNC bank records to see, how many Accounts and related information is being sold to these merchants with flimsiest allegation that customer consented. {$10000.00} fine for each instance when the info was sold on closed merchant accounts, should teach PNC a very good lesson. DISCLOSE to customers, who you are selling the info to and when. I appreciate your kind help. | ||||||
| 02/03/2022 | Yes |
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| On XX/XX/XXXX I went into a PNC branch to close all my PNC accounts with the branch manager XXXX XXXX. The only PNC account that I could not close or transfer was a Commercial Loan which is funds I received in XXXX from the XXXX XXXX which was not forgiven according to PNC and a dispute is in process on that final decision. A request to change my auto pay to my new bank account was faxed to XXXX XXXX on XX/XX/XXXX ( a copy is attached ) I made my XX/XX/XXXX payment at the branch but on XX/XX/XXXX the auto payment that posted to the loan was from the wrong account. On XX/XX/XXXX I sent an email to XXXX XXXX asking for her help in figuring out what happened to my request to change the auto pay to my new account. On Saturday, XX/XX/XXXX I reached out to XXXX XXXX again with an email about the issue. I have seen a reversal on the payment post dated XX/XX/XXXX. On Tuesday, XX/XX/XXXX I called PNC business banking XXXX the hold time was over 20 minutes I waited 30 minutes and hung up. Today, XX/XX/XXXX I received a reply from XXXX XXXX that I should make a payment at the branch for now. She submitted my issue to the Escalation dept. The branches are closed and I do not even have a remittance address on my loan payment statement because I was enrolled in auto pay. I called PNC again today and waited over 40 minutes, vented to the lady all over again about this mess. In the meantime they are accruing daily interest which is where I draw the line. I refuse to continue allowing this # 2 bank to profit on my hardship. They need to get their act together. I have done every to watch and reconcile this simple change request. No one ever called me. They are so big but they cant handle their mistakes. I expect a call from someone that knows something. | ||||||
| 07/25/2021 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, we opened an equity loan with PNC bank in XXXX, AL - we were told that we HAD to also open a checking account in order for them to automatically deduct the monthly payment. We were assured that as long as we either kept {$2000.00} average checking balance or our loan balance was greater than {$15000.00} then they would NOT charge a XXXX XXXX monthly fee. Several times over the years the checking balance has been less than {$2000.00} and we have never been charged a fee. Starting in XX/XX/XXXX they charged the fee and advised me that it was due to checking account average being below {$2000.00}. I questioned why a fee was charged when my loan balance is still above {$15000.00} and they told me that was no longer an option to waive the fee. They stated that now I was required to maintain a {$2000.00} checking average balance so I asked them when this changed and why I was never notified. They said it would have been on one of my statements but could not advise me which one. I have checked all of the XXXX online statement messages and there is no notification that they were removing the linked option of loan balances over {$15000.00}. I did not want this checking account anyway so I will not pay a $ XXXX monthly fee just so they can deduct my monthly loan payment when I have other bank accounts that I can allow them to debit. I was advised today that should I cancel the checking account they might increase my fixed interest rate on my equity loan from XXXX - I thought thta banks were required to give advance notice of fee changes and I do not think it is legal for them to adjust my interest rate if I choose to cancel the checking account but allow them to do automatic payments from a different bank account. Can you assist me? | ||||||
| 10/27/2020 | Yes |
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| In XX/XX/XXXX I was under a forberance I was told if I paid a certain amount on XX/XX/XXXX my account would be caught up and no fees. I paid that amount - the exact amount PNC requested I pay. After making the payment PNC requested of me I was hit with over XXXX in fees. Prior to making the payment I contacted XXXX XXXX to find out exactly what I needed to pay. I knew it was over XXXX but could not remember exactly what - I received a call back and was told it was for {$8300.00} which I paid that day. Only to find out a few days later I had fees over {$2000.00} - This was not what we had agreed or what i was told - I was told when the XXXX payment was made I would be XXXX behind and I would just have my payment going forward. And I know this call when I was told this - was recorded or at least I was told it was I have contacted XXXX several times to find out why I had these fees when I was told the forbearance would zero out anything in the rears but she has not contacted me back - I have emailed over 5 times with no reply. Right when I got caught up XX/XX/XXXX Covid hit and our family was hit with cases of Covid and other hardships. My loan has been on another forbearance, I can not pay the loan and all the fees that PNC is asking for - I shouldn't have the fees anyway. I would like to ask for the additional 360 day forbearance time so I can get caught up on the loan now that our family is recovering and getting back to work and school. School just started back last Monday XX/XX/XXXX - hopefully now our Country will get back to normal. If possible I would like for your help finding out why I have fees on this account after I was told I wouldn't and your assistance extending the forbearance so I can get this loan caught up - thank you | ||||||
| 02/24/2022 | Yes |
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| On XX/XX/2022 I submitted two different disputes with PNC. I originally went online to check and see the date that a transaction posted for an order which I never received- however- when checking my account transactions I noticed a transaction I didnt make at all. So I called to dispute both transactions- one for an order I made and didnt receive and one for a transaction I did not make. I was told that I would receive a credit for each of the transactions within 10 days. I received a credit for one of the transactions ( the one I did not make ) a few days later- but after 2 weeks I still did not have a credit for the one which I did not receive the merchandise- so I called PNC. That rep told me that it was 10 business days that I had to wait and since it was the 10th business day I should have a credit by the end of business that day. The next day I still didnt have a credit so I called again. This time I was told that it wasnt 10 days I had to wait but possibly 30 days. This rep said he usually works in a branch and sees these kinds of disputes all the time and has never seen one take more than 3 weeks. So I waited until the 3 week mark and messaged customer service through the app and was told that it can actually take up to 90 days. The reps continually tell me that I can contact the merchant which I obviously did prior to contacting PNC. They were not helpful when I contacted them. The rep also said it is a non fraud dispute so they take a long time. But I do not understand how it is not fraud? I someone says give me money and I will send you a product but then they dont send it- that surely feels like fraud. I really need access to these funds and I wouldnt have asked PNC for help if the merchant was willing to resolve the issue. | ||||||
| 05/08/2020 | Yes |
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| I am a single homeowner, solely responsible for my mortgage. I unexpectantly became unemployed due to no fault of my own. I requested a forbearance and received it. After the forebearance period I started making payments again. In desperation I had to take jobs that were not suitable for me. I lost my job again, then I started having symptoms of COVID and I have not been able to look for new employment. My mortgage servicer started the foreclosure process. They gave me false hope that they wanted to help me. Their solution is a scam that takes advantage of a persons hardship. I have been paying for my mortgage since XXXX. I used money I made from the home I owned since XXXX to help pay a down payment on this loan. So in reality everything Ive paid as a homeowner is tied to this home and loan. The servicers or XXXX XXXX solution is to modify the loan to a 40 year loan. That is nothing but a scam that will never allow a person with a mortgage get on their feet an actually one day own their home. Its unethical and needs to be regulated and scrutinized. XXXX XXXX was set up by Congress. There should be oversight into this type of homeownership scams? How can this be allowed? Why is there no help for a person in my situation? I do not want to lose my home but a 40 year mortgage is ridiculous. Id be XXXX before I could pay it back. The money that goes toward housing counselors is a joke.its wasted money that would be better spent with a Ethics committee overseeing the housing industry and services XXXX XXXX and PNC are using unscrupulous immoral practices to hang desperate homeowners. Where is congress? Where is help? Where is hope? Its all a scam! This needs to be made public,. No one deserves to be taken advantage of in this way. | ||||||
| 10/17/2019 | Yes |
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| I have a line of credit in the amount of {$1000.00} with PNC Bank. I am a long standing customer as well as my husband as his business account are with PNC ( was known as National City Bank as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, PNC reported this to XXXX with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with XXXX which I know can't do anything about it without PNC getting involved. My account is open and active and PNC would not even send an update to XXXX and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. I filed a Complaint with XXXX but without PNC cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. This is not how to treat a long standing customer. Thank you for your time. XXXX XXXX | ||||||
| 06/13/2017 | Yes |
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| Eve ry month since I obtained this PNC Bank Visa card I have paid the monthly balance from my PNC Bank checking account bill payer feature. Every month I log into my account, insert the credit card balance amount, the payment date, and submit the electronic pay ment. I timely submitted the credit card payment to be electronically tr ansferred on XXXX XXXX XXXX . However, on this occasion PNC Bank sent me a check ( see attached ) that is payable to " PNC Visa Card. '' When I received the check in the mail I called PNC B ank and arranged at the suggestion of a customer service person, XXXX XXXX , to transfer th e Visa c ard balan ce due to Visa ( a n alternative payment method which I had previously not known was available ) ; and I asked XXXX to reverse the late fee and interest related to this screw-up. She said, on XX/XX/XXXX , she could not do that but would escalate my waiver requests. A day or two later I was called by a person, XXXX , responding to the " escalation '' request and she agreed to reverse the {$25.00} late fee and said no interest has been charged. I followed up on XX/XX/XXXX , after ch ecking my online PNC V isa statement, by again calling customer service and spoke with XXXX who said she would again escalate my fee and interest waiver requests as she was unable to connect me to XXXX ; and XXXX informed me, as XXXX had done when she first escalated the requests, that I will be contacted within 48 h ours. But I 've not been contacted with respect to this matter. So, the late fee and interest charge remains on my account, I want it refunded since the Visa payment was late due to PNC Bank 's issuance of a check to me rather than having electronically transferred the payment to PNC Visa. | ||||||
| 08/31/2021 | Yes |
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| MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. PNC XXXX XXXX XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ). | ||||||
| 06/07/2021 | Yes |
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| Since the pandemic started we have been living paycheck to paycheck. We never asked the bank for help as we were able to nearly get by till our next paycheck. However in XXXX the bank started putting {$1100.00} in our account and calling it a temporary XXXX relief credit. We never asked for it or agreed to it. But we didn't know this was happening until we got a letter from the bank stating they were ending the relief credit. I checked the account and saw this had been going on for almost 3 months. The letter explained they did this to help people with a negative balance in their account to get their full stimulus check. We didn't get the letter or know this was going on till I got paid from work and noticed i only had a couple of XXXX in my account when there should have been at least a {$1000.00}. That morning is when we got the letter and already spent our stimulus money. While this was happening but didn't know anything about this till after we had drained our account to only a couple XXXX left. After they took the {$1100.00} back out of our account, our account don't show these credits and caused our account to become seriously overdrawn. It also caused our house payment to bounce and incur a large amount of late fees. Now our account and all our bills are incurring late fees and large amounts of overdraft fees. I personally talked to XXXX members of the bank to try and get help and one did stated they did this to help and also stated others had the same thing happen to their account. All this should not of happened without anyone knowing what was going on till the last minute. I should have been given an option to opt in or out of the temporary credit or at least been notified before they took it upon themselves to try and help. | ||||||
| 03/30/2022 | Yes |
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| On XX/XX/XXXX around XXXX I went to PNC to deposit XXXX cash into the ATM at the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX Pa when my transaction got denied. When it got denied the screen prompted that XXXX dollars exceeded the daily limit amount. It then prompted if I wanted to try another amount. I selected XXXX dollars expecting the ATM to give my XXXX dollars back however it did not. I immediately went into the bank where the banker took me into her office and made a phone call to headquarters to file a dispute. While very upset I explained to them I have rent to pay. My rent is due and if I dont get it payed I will get evicted. They told me that it would take 10 bussiness days to go onto my account however I am a mother of XXXX kids including a newborn child and I can not be without a house to live in. They understood and the person on the phone said that he would escalate it to the manager. After escalating it to the manager they informed me I would receive an immediate provisional credit within 1-2 bussiness days. However after reviewing my account it was never credited to my account like they had said. Now I am left without money to pay my rent and could be evicted with my XXXX children. For being a big bank corporation you would think they would have credited my account right away being the circumstances and being that the banker even saw the atm malfunction. Also being that I was told by someone in the branch that a few days before this had happened to another client and she was credited her money within a day. If this money wasnt such a big amount and was not for my rent it wouldnt be a big deal but for being a mother of XXXX young children and having a XXXX I need this money so my children have a place to live. | ||||||
| 11/05/2021 | Yes |
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| Hello, I was a Compass/BBVA account holder for over 20 years and have been mired in the PNC transition for almost a month now. Since XXXX I have been denied access to my personal account, money market account, and primary business account. I have only had access to a single business account that I very infrequently use. On XXXX I was told the IT department was having some issues transitioning all of the accounts and it should be resolved before the end of the week. On XXXX I visited a local branch and was told the same story- they were overwhelmed with issues and working to resolve it. I went to make a cash withdrawal, my driver 's license had expired 30 days prior and I have an appointment with the DPS for it's renewal. In spite of my BBVA debit card and new PNC debit card in my possession and presented to the teller, due to my expired driver 's license the tellers would not allow me to make a cash withdrawal without a 2nd form of ID. On XXXX I spoke to my local bank manager again about my lack of account access, but this time I was told they needed to submit a " link request '' to the IT department on my behalf in order to link my missing accounts. I was told this process would take 5-7 business days. As of XXXX nothing has changed and I have received zero communication from PNC about the issue and/or their attempts to resolve it. Multiple requests for support that I submitted via the app and through the on-line portal have never been responded to. I would close my accounts, but having never expected this issue I have not downloaded my financial data and transactions for 2021 taxes. I fear if I close these accounts before receiving full access from PNC I will never be able to access this information again in the future. | ||||||
| 06/09/2017 | Yes |
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| PNC LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX We have submitted our authorization and a complete short sale package to PNC. They have set a foreclosure date for XX/XX/17, are refusing to provide a payoff demand to an authorized third party, and are also refusing to review the file for a short sale. PNC has not ever attempted to contact the homeowner. The homeowner only found out her home was going to foreclosure last week and only because real estate agents started calling her. PNC has never contacted the homeowner, has never attempted to do any kind of workout option with her, and this is violation of State and Federal Law. Since the homeowner is XXXX years old, PNCs lack of legally required communication also raises questions of Elder Abuse. Elder Abuse is a violation of California law. Since we already know that you are going to claim you have contacted the homeowner, we want proof of this. I want to know the date/time that you have contacted her in accordance with state and federal law. Weve had issues with pnc before regarding their lack of communication with their own homeowners, and we end up having to file a CFPB complaint on every file we have with them. We are tired of the hacks in their legal dept telling us that we are lying and they have done nothing wrong. In fact, in every response that we get back from their legal hacks we are told we are lying. How is it possible that in all of the CFPB complaints against PNC for the consumer to be lying 100 % of the time??? We have closed over 2400 short sales in the last 9 years. PNC is saying that we lie on every single complaint? Does that sound like Reality to you?? When is the CFPB going to enforce the laws that are in place to protect the homeowner? | ||||||
| 05/12/2019 | Yes |
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| I hired an attorney to file an application for garnishment and writ of garnishment pursuant to a Judgement I received against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for {$1100.00} on XX/XX/XXXX. These garnishment papers were sent to PNC Bank , National Association in XXXX, PA attn XXXX XXXX, Branch Manager on or about XX/XX/XXXX. This Bank returned notice to my attorney stating that the account number and name of the account did not match the FEIN we furnished them. The name on the check drawn on this PNC account is clearly stated as XXXX XXXX XXXX XXXX, XXXX and below it the words " A wholly owned subsidiary of XXXX XXXX '' The only other name on the check is XXXX, which is not a business but the name of the US Defense Department Health Care program and could therefore not possibly be the name on the account. My attorney instructed the branch manager to process the garnishment with the account number attached to the following possible FEIN 's as provide by a private investigator : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX There should not be a problem processing the garnishment unless the name on the check does not match the name on the account. If that is the case then the name on the check is a misrepresntation and therefore should not be allowed by the bank. My complaint is that the bank is allowing XXXX XXXX XXXX XXXX, XXXX and or XXXX XXXX to have an account with checks that do not correctly state the name of the account holder, therefore making garnishment impossible. Either that is the case or this bank is giving me incorrect information in an attempt to protect their account holder and prevent the garnishment. In either case this would most likely be a violation of banking regulations. | ||||||
| 12/06/2022 | Yes |
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| PNC and XXXX XXXX has habitually failed to service mortgage accounts according to Federal Regulations. Myself and my family was impacted by XXXX and as a result I requested mortgage assistance. I was offered a forbearance. Upon completing the forbearance period I contacted the bank to make arrangements to bring my mortgage current. Instead of putting the delinquent payments onto the end of the loan as I had been told. They doubled my payments. And stated that was the only option available. I began making the payments but then was laid off. I called an inquired about the options available and was instructed to break the repayment plan to be reviewed for other options. I submitted a complete application and called to verify if anything was needed. I was told to allow my XXXX five days to review and respond. I never got a response from XXXX my point of contact she closed the application stating the documents were not received. I recent the documents as instructed by a PNC representative. When I check back over two weeks later I was told the documents were never uploaded to reopen my account. In the meanwhile I applied for State assistance. And was informed by the program that PNC has not responded to their request for over a month. Each time I call, I was told that someone will call me back. No one calls back. Neither supervisors or representatives. Ti date I still dont know the status of my TXHAF program or my Mortgage assistance application. PNC is the loan servicer and they have informed me previously that theyre servicing according to the investor XXXX XXXX guidelines. XXXX XXXX has a public reputation of disenfranchising minorities. During this period I have been ill and hospitalized and the stress is impeding my recovery. | ||||||
| 07/06/2022 | Yes |
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| I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through XXXX for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the XXXX alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. I called PNC that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. I received a letter from PNC, dated XX/XX/XXXX saying that my dispute has been denied. I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XXXX, also known as XXXX XXXX The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. '' | ||||||
| 11/18/2015 | Yes |
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| In XXXX 2015, I applied to refinance my HELOC with my existing mortgage company, PNC. I was informed that even though my FICO score was XXXX, I needed to have " XXXX successful trades '' in order to refinance and receive the same product. I was told I had only XXXX trades. I asked repeatedly what specifically was meant by a " trade '' but was never given a real answer. I was told it was a government guideline/regulation and XXXX the bank could not get around. I was informed, after asking, if paying off XXXX more bill would make a difference and told that it should. I rescinded my application, paid off a bill and three months later -- in XXXX 2015, reapplied. My FICO score is now XXXX and I am still being told that I do not qualify for a HELOC but must settle for an interest plus principal-type product. During this second attempt, I was initially told I needed a XXXX FICO score and " XXXX trades. '' Both of which I obviously had back in XXXX and then again in XXXX. I was later told I did n't have " XXXX trade lines. '' I have repeatedly asked for a federal regulatory number or other identifying information to corroborate this guideline they are using to deny my application for a HELOC and I am consistently denied this information. Each time I speak with a different loan specialist, I am given different information. I have your organization and others for information but no one has ever heard of such criteria. At this point, I can only assume this jargon is particular to PNC and used to deny clients certain products in the hopes that they can be assuaged into the lending product XXXX that PNC is currently XXXX on its clients to meet their profit margin. Please please look closely into PNC 's lending practices in NJ. Thank you. | ||||||
| 01/26/2017 | Yes |
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| I received a check form the State fo Delaware Office of Unclaimed Property in XX/XX/2016 and this was placed in my XXXX account for clearance. The bank sent this check to PNC Bank in USA for clearance on or about XX/XX/2016 and upon my follow up on XX/XX/2016 ( 8 weeks after presentation ) and a telex to PNC the check was returned on XX/XX/XXXX and I was informed as follows : Date : XX/XX/2016 at XXXX Subject : RE : XXXX- Inward XXXX cheque The update we received from the inwards cheque clearing team is as follows : 1. The original cheque was returned back to XXXX. - No reason was given on why the original cheque was returned to XXXX 2. The cheque clearing team has sent the drawee bank a demand draft for the upfront fee XXXX and the Cheque has been re-sent to the drawee bank via DHL On XX/XX/XXXX I requested an inquiry and was told telex and messages were sent to PNB but no response. On XX/XX/XXXX I escalated this to Officer in Charge and received this response : " We have just spoken to our Payment team & our investigation showed that we have since sent 6 SWIFT messages & 3 chaser emails to PNC Bank pertaining to this matter but we have yet to obtain any response on this matter. You may like to approach XXXX ombudsman and lay a complaint if there could assist us in obtaining a reply from drawee bank PNC. '' PNC has had this check since XXXX to date and has failed to either cash this check or provide a response. They have taken the payment of XXXX ( XXXX ) and ignored status inquiries. In another 2 months this check will expire and I will have to have it reissued at considerable expense and time. This is unacceptable for cashing a US department check and I would lke to know what PNC intends to do to remit the said funds. | ||||||
| 09/22/2016 | Yes |
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| I opened up an account at PNC XX/XX/XXXX when I got my second job so that I could put money into that account and save easier. So I set up my account so my direct deposit would go into that account. Well I never had more then XXXX in the account. XX/XX/XXXX was the last time I took out {$100.00} leaving me with a balance of {$5.00}. Then I do n't look at the account again until I get a forged check with my name on it for {$900.00} that was put into my account. I do n't know how anyone got into my account to deposit and the bank obviously rejcted it. Then I got a letter in the mail telling me that I have a -XXXX and some change. So I go on my banking app and see that my account was hacked. So I called the bank and their response was because it took me too long to call them about the forged check that I compromised my account. So I called them up and I got the run around from them. I was told that I had to go make a police report so I went and did that at my local police deparmtnet and the policeman Officer XXXX of XXXX County police on XXXX XXXX, XXXX, told me to have the bank call them because they were unsure of twhat what had happened they did n't know why the bank had sent me there when there was nothing they could do. So I call back up, after talking to XXXX the day before to talking to XXXX now, and she directed me to the Fraud department of the bank who was told me that bank had charged it off, and that XXXX would be contacting me. And since then no one has contacte me. No one can tell me why they allowed someone taohack into my account and withdraw more then XXXX when there was little to nothing in the account. So now I am being charged with the balance that I had nothing to do with. This bank is so unprofessional | ||||||
| 10/01/2017 | Yes |
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Web | Servicemember |
| I open this checking account in XXXX with PNC. As I consider myself an informed consumer I was very aware about overdraft protection being a requirement that a consumer Optics 's in to that protection. When I opened this account I was very upfront and direct that I did not want any type of overdraft protection and that I would not be opting into that service. From what I perceived, in the past I was not being charge any overdraft fees. But recently my account did get overdrawn and PNC charged me an overdraft fee. Not only did they charge me an overdraft fee but they charged my account an additional XXXX dollars a day every day the account was overdrawn. As I was not aware that my account was sign up for the service I was under the impression all charges would be denied. just to give clarification these charges were not checks or ACH which I know are not covered under the overdraft opt out choice. These were direct debits. I called PNC and explained the situation and talked to a CSR on XXXX/XXXX/XXXX. I told the Car that I never sign up for OD protection. I was then told that originally the account was setup without OD protection but a few days later it was switched to what they call a protected account. They setup a virtual account and cover expenses from a savings. She stated this protected account does not require opt in or allow for opt out its automatically setup to draw from one another or you will get charged. I told the CSR that I understood but that is not what I sign up for and that I never opt in for any type of OD protection. For the account to change type or setup to change a few day later without my consent or acknowledgment was deceptive and unfair. I filed a formal complaint over the phone at that time. | ||||||
| 06/15/2017 | Yes |
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Web | Older American, Servicemember |
| We are trying to complete a short sale under federal regulations that involve multiple collections. PNC is the 2nd Mo rtgage and will not liquidate under federal guidelines and therefore, will be force placing a Foreclosure Sale Date scheduled for XXXX XXXX , 2017 in the XXXX XXXX XXXX . By Force placing this Foreclosure, PNC will be cutting off settlement agreements and short payoffs already negotiated with the 1st Mortgage XXXX , XXXX XXXX and XXXX XXXX Revenue Departments and the Federal IRS. PNC is subordinate to all these lien holders ( last in line ) is not providing any appeal resolutions nor liquidation options available under the federal liquidation guidelines. We are only requesting a short pay resolution to allow this property to convey and pay all other lien holders their already agreed settlement amounts. PNC can reserve their right for future collection and hold us liable for this debt after conveyance. The First Mortgage, Local Property Tax Collector and the IRS all trump this collection and under federal guidelines can limit the options and payo uts to PNC ( last in line ). PNC is demanding more than required under their Federal Liquidation guidelines. PNC is subordinate to all these other collections and must release the lien from " property only '' to continue their collection efforts for this debt with us directly. PNC has admitted they have already " charged off '' the loan and under federal guidelines we are requesting, in lieu of a force placed foreclosure, for them to release from " property only '' which will make us liable for the remaining balance after this said liquidation and short sale. Otherwise, allow liquidation under Federal Short Sale Guidelines and Procedure. | ||||||
| 11/10/2015 | Yes |
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| Using a PNC Flex Visa rewards credit card, I earned XXXX points. I redeemed them for XXXX {$100.00} XXXX gift cards. The cards were shipped on XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX closed my account and banned me for life for buying too much ( spending $ XXXX per year ) and returning too much ( around XXXX % of items bought were returned ). The merit of XXXX refusing my business is highly questionable, but in any case, they have refused to allow me to redeem my gift cards, even though they are, by legal definition, something a consumer purchases in return for guaranteed consideration for goods and services. Regardless of that fact, they would not refund my money. I opened a case with the PNC bank rewards people, and after 60 days of runaround, they finally informed me that they will not accept the cards for return. According to their terms and conditions, one of the only circumstances under which a reward can be returned is if the reward becomes unavailable after a consumer orders it. So I ordered it, and that reward became unavailable to me afterward ( before I received it in XXXX, 2015 ). They should take the cards back and refund my points balance. It is unacceptable for a consumer to be left in a position where they 've paid cash equivalent for something and yet get nothing for it. XXXX should not be allowed to deny the use of valid gift cards, and PNC Bank should not be allowed to deny me returning a reward that has become completely unusable before I ever even received it. The bank uses rewards programs to attract and retain customers as well as entice them to spend money on credit cards. PNC Bank succeeded at doing this to me, yet failed to provide a reward of the value guaranteed as part of the rewards program. | ||||||
| 07/31/2022 | Yes |
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| Hello, I first contacted PNC to dispute a charge on XX/XX/2022. The representative informed me there were several fraudulent charges. I began looking at my account and this has been occurring for more than a year. I've received documentation regarding my disputes : reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've contacted PNC numerous times. I've asked to escalate the call and they always send me to customer service whom does not know any information about my fraud cases and just reads me notes. When I ask a question, it is responded with, I don't know. '' I've also asked to speak to retail support. I've been told numerous times a manager will call me within 24-48 hours. It has been over a week and I have yet to speak with a manager the fraud investigator. I'm requesting detailed accounts of my disputes along with what was fraudulently purchased along with their reasoning. On every letter regarding the disputes is written, " We're here to help. If you have questions or would like to request a copy of the documents we relied on in making our determination, please call us at XXXX. '' I was informed by PNC customer service there are, " no documents, '' to send me. I'm also having this issue with PNC Points credit card. PNC did not close my checking account and after being provided a new debit card I still received fraudulent transactions which made me have to file additional disputes. In addition, PNC is claiming I did not file disputes until XX/XX/2022 which is inaccurate. At this point, I'm frustrated because I have reached out several times to PNC and have received no adequate answers regarding their findings or documentation as to how they came to their decision. Thank you, XXXX XXXX XXXX | ||||||
| 04/24/2022 | Yes |
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| Ive been a PNC Bank customer for over XXXX years. On Friday, XX/XX/2022 My mother and I walked into the PNC Bank branch located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. My mother is older, walks with a cane and has some health issues, so I approached the bank teller window to assist my mother. My mother proceeds to make a {$3500.00} withdrawal from her checking account and we stood at the window for over 30 minutes trying to figure out why my mother can not make a withdrawal from her available government issued social security funds. My mother produced her identification upon request ( Photo I.D and debit card ) but still was denied to have her funds released. It then came to my attention that my mother and I was being XXXX XXXX as I attempted to withdraw the {$3500.00} out of my personal account. I also produced proper identification and typed my social security number on the key pad, only for the teller to tell me I can release the money to you, do you have another credit card, I then give her a credit card that matches the name on all of my identification that this female bank teller, who doesnt look like me is holding in her hand, then she ask me for a work I.D . which I did not have, so I removed my XXXX XXXX so that she can see I am the same person on the drivers license in your hand, along with two additional credit card, a medical card with my name and employers name and and another master card. It was so embarrassing being XXXX XXXX and not being able to have access to my own money that I work so hard for. I have XXXX accounts at PNC bank and I have substantial amounts in two of those accounts and after standing in the bank for and hour and still be denied access to my money because of my XXXX XXXX is horrible. | ||||||
| 08/25/2021 | Yes |
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| While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/2016 and Discharged in XXXX. The obligation with PNC survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. The mortgage loan is not discharged as a personal obligation. And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy. | ||||||
| 09/10/2016 | Yes |
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| I paid {$140.00} from my PNC Bank debit card for services at a hair salon. Long story short, I was not happy with the services and disputed the charge. The salon knew what they did and offered to pay me {$100.00} of it back. I accepted the offer and said they would mail me a check. When I did n't get the check after 8 days, I disputed the entire {$140.00} at the bank. They credited my account immediately, then determined later that I should not get my money back. I received a letter in the mail stating they were taking the funds back out of my account on Tuesday, XXXX XXXX. I called them to re-dispute it on Monday, XXXX XXXX. I was read a script to let me know that " I would have full use of the funds immediately '' until another determination was made. Instead of making the funds available, they took them out. The following day, my auto insurance was debited, over drawing my account. I was then charged a {$36.00} fee on XXXX. I made a complaint on Thursday, XXXX with the bank and received a call today, Saturday, XXXX from XXXX XXXX in the Escalations department. He said there was nothing they would do about the fee, and they were n't putting the {$140.00} back in my account. I 've had other frustrating experiences with PNC 's customer service in the past. I just have n't had anything legal or ethical to report until now. Also, I can not copy the full information from my bank account online. The system wo n't let me. I did however, copy the page and it does reload to see my acct information. Here is the link : file : XXXX The {$20.00} Final Dispute Credit on XXXX was {$20.00} that the ATM machine took from me on XXXX XXXX when I tried to deposit {$180.00}, but did n't get credited to my account until XXXX XXXX. | ||||||
| 03/16/2022 | Yes |
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| I was staying in an extended stay hotel in XXXX XXXX called the XXXX XXXX On XX/XX/XXXX I went to the office to pay my rent and was told by the manager she couldn't take it because they were waiting on the health department. Then later that day I get a text from the manager of the hotel saying that we have to move and be out by noon on the fourth as they are going to remodel. So we were out on the fourth of XXXX. Then on the fifth of XXXX I check my bank balance and there were XXXX charges I didn't have any knowledge of total was {$640.00} I called my bank to find out that XXXX XXXX XXXX had charged my debit card they had on file for those charges of {$640.00} and I had no knowledge they were doing it what it was for or my approval as we was already gone. I called my bank PNC to report fraud and they were the ones that said the charges were from XXXXXXXX XXXX XXXX. I explained the deal to the customer service representative to be told it's obviously fraud and they issued my a temporary credit. Well I get a letter today XX/XX/XXXX from PNC bank saying their investigation said no error occured and they are taking out the {$640.00} out of my bank account on XX/XX/XXXX. I don't know how they can come up with that determination when I was already out of the hotel didn't owe any bank rent and didn't have no knowledge they were taking out that money or what it was for and I sure didn't give them authority to do it they did it all on their own using my debit card they had on file this is so wrong and very stressful I am on limited income and don't have the money to give to XXXX XXXX XXXX and not even knowing what it's for so wrong or having my authorization to do it talk about fraud big time and I have filed a police report | ||||||
| 03/25/2021 | Yes |
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| XX/XX/XXXX PNC Auto loan opened. The car was in an accident that totaled the car. Because of the sale price and small amount down on the car I purchased GAP insurance. The accident occurred early in XX/XX/XXXX and my insurance carrier had paid out their claim before the end of XXXX. I still continued paying on the remaining balance for XX/XX/XXXX and XX/XX/XXXX. I had to fight with ( multiple different representatives ) PNC ( the bank asking for payment ) for the correct documentation that the GAP insurance company required to process the claim on the remaining balance. They would not disclose the documentation required to get the GAP claim processed. By XX/XX/XXXX I finally worked my way up the management chain to an area supervisor that finally sent me the documents necessary for the GAP claim and the balance was paid in full. XXXX was " LATE '' only because PNC would not do their part and again I paid 2 payments in the meantime but couldn't afford to shell out {$440.00} for multiple months for nothing. By the time the money got to PNC the account was closed XXXX by their count initially XXXX in XXXX. After disputing the incident with experian they changed the close date to XXXX but this still cost me -80pts to all 3 bureaus ( give or take a few pts ) which took my lifelong achievement of XXXX Fico down to below XXXX wXX/XX/experian. This is unacceptable. I knew it could take a month or so to sort out but I never thought over 2-3 months and the late payment in XXXX I am still fighting to have wiped from my record. Never again will I do business with PNC. They messed up, they didn't give me the required documentation TO PAY THEM and by the time I finally got it and they apologized to me, AND STILL REPORTED IT LATE. | ||||||
| 09/22/2015 | Yes |
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| . I entered the bank Saturday morning XXXX XXXX, 2015 to cash a check from my employer. I was informed I would not be able to cash my check because the amount of funds in the account was not enough to cover the check but I could deposit it. I said this does n't make any sense I am a member here and I need to pay to have my tires fixed next door. He ( XXXX ) told me there was nothing he could do so I asked why have n't I received my debit card and he looked into my account and said it had been mailed two days prior. I asked if and when I get my card will I have trouble with accessing my funds once my employer begins to submit direct deposits, he said no. I requested to withdraw the funds I had in the account and asked if there was a bank close with the logo on my check. He told me where it was located, the teller gave me my funds and I left. My debit card arrived in the mail on XXXX/XXXX/2015, it would not activate. I called the customer service line, I went to a branch and was informed a replacement card was ordered. I did not authorize a replacement card nor did I ever ask for XXXX. I called into the branch requesting the name of the person who helped me on Saturday and XXXX answered the phone, after describing my situation he informed me he was the one who helped and said we discussed a replacement card and hung up in my face but we did not and the other teller that was standing there should be aware of that as well. I believe XXXX put in the fake request for a debit card as a retaliation of me having an attitude about not being able to cash my check and withdrawing the funds that day. I did not authorize the transaction and it put me in a bind of being able to pay my bills because electronic check is not accepted. | ||||||
| 08/03/2023 | Yes |
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| Funds from a XXXX acct were transferred, XX/XX/XXXX, in error to a PNC account that had been closed several years prior. I called PNC and alerted them of the error on XX/XX/XXXX. I was told by PNC customer service that any transfers to an account that was not valid would automatically be kicked back to the transferrer account ( XXXX ). The funds were never returned to the XXXX account. After more than a week of phone calls and over XXXX hours of phone time with customer service ( XX/XX/XXXX ) ; I was told another dept had the funds and were holding them as they did not know what to do with it. No one with access to my account info with PNC nor myself were ever notified that a dept within PNC was holding the funds and no reason was given for the hold. I was finally able to speak with a manager on XX/XX/XXXX who informed me they would be mailing a check and would take XXXX business days- please note this is an absurd transit time for mailing a check from MI USA to GA USA. On XX/XX/XXXX I called again to obtain tracking info on the mailed check as the XXXX business days had run out and i still had not received the check. PNC customer service told me that now the transit was XXXX days and that nothing could be done and no check could be re-issued until the 15 day window had expired- please note again, this is parcel mail sent via USPS from XXXX MI to XXXX GA, there is absolutely no way it would take XXXX weeks to deliver. Current USPS transit times are XXXX days from MI to GA. I was again told that no tracking # existed ( patently false ). I called XX/XX/XXXX, XXXX, XXXX, XXXX and was denied a tracking # for the original parcel and told that voiding the check that has been missing since XX/XX/XXXX would not be possible. | ||||||
| 06/10/2023 | Yes |
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| On XX/XX/XXXX, I was the victim of a scam involving ticket resale via XXXX. When I noticed something was wrong and attempted to get the money back, the individual disappeared and blocked me. Upon attempting to track down the individual, it appeared this person had stolen another persons identity, along with other individuals, to con people attempting to buy XXXX XXXX tickets. I immediately contacted my bank ( PNC ) to attempt to stop the transaction and they said they couldnt stop the transaction even though it had not posted. They told me I had to wait for the transaction to post to take action. As soon as the transaction posted ( XX/XX/XXXX ), I reached out to PNC Bank to report the scam and ask for the charge to be rejected, and in less than XXXX hours, according to my denial letter, they said the transfer was valid and processed as instructed. I received no concert tickets for the money I paid. The individual promised a refund if I changed my mind and when I attempted to get my money back they disappeared. PNC Bank offered absolutely XXXX protection under Regulation E and clearly made no effort to investigate the claim. PNC Bank put me in a position where despite actively attempting to stop a debit charge prior to the payment posting ; I was forced to lose the money with no remedy. XXXX payments are instant only if the person receiving the money is actively enrolled, and it took almost XXXX hours for the funds to post, so the individual did not have an active account when the money was initially sent. Pending payments can be cancelled by the bank in which the money is being sent from. PNC Bank chose NOT to cancel the payment, which resulted in the loss of {$600.00} and a violation of my rights as a consumer. | ||||||
| 04/26/2022 | Yes |
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| On XX/XX/XXXX I made a partial payment on my auto loan of {$360.00}, through my loan company 's online payment portal, PNC. I received my confirmation confirming my payment of {$360.00}. On Wednesday XX/XX/XXXX, my husband noticed through our online banking account that PNC has drafted {$1000.00} out of our account. I called and spoke with a PNC representative ( XXXX XXXX, provided XXXX with my confirmation number and the amount in which I paid. XXXX confirmed I had paid {$360.00} and informed me that PNC had implemented a new online banking system and there were still glitches with this system. He requested an expedited refund, provided me with a case number, and informed me I should have my refund of {$70000.00} by Friday, XX/XX/XXXX. There was not a deposit on Friday XX/XX/XXXX so I called PNC, and they reassured me that refund request was expedited and I would receive my refund by Monday. Today, Tuesday XX/XX/XXXX, I called PNC because my refund still has not hit my account. The representative informed my request for a refund has been denied, because if they refunded me the full {$700.00}, it would cause my payment to be delinquent. In all reality, my payment is not delinquent until XXXX- they stole my money and I would like my money back. I paid {$360.00} on XX/XX/XXXX and they took {$1000.00} - this is stealing, and this has caused repercussions with my account. Just because they are a bank, they should not be able to get away with this. They should refund me my money and pay for damages this has caused. They charge me with late fees, and they should be charged with theft by taking. I had to place yet another claim today and I am still without my money. PNC has stolen my money and they needs to be made right. | ||||||
| 07/24/2023 | Yes |
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Web | Servicemember |
| I dispute the inaccurate reporting status on my PNC Bank account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my PNC Bank account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute. | ||||||
| 09/26/2018 | Yes |
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Web | Servicemember |
| First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX and XXXX XXXX XXXX in XXXX ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb. | ||||||
| 01/22/2018 | Yes |
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| I made several transfers of US $ to XXXX, a US company using my PNC debit card, for the purposes of investing it into digital currency. Unbeknown to me, PNC allowed 3 % of the face value of the US $ transfer to XXXX to be debited from my checking account. The payments were described as POS international fees on my checking account statement and were debited several times between XX/XX/XXXX and XX/XX/XXXX. PNCs excuse is that the US $ payments are routed through a US $ clearing account based in the XXXX XXXX and so they were entitled to charge fees as if my debit card had been used overseas. The aggregate amount of the fees charged total around {$100.00}. PNC have refused to file a complaint against XXXX or XXXX correspondent bank and have told me I am only entitled to dispute the transactions. I can not consciously dispute the transactions for two reasons. 1 ). The transactions were genuine and I willingly authorized the US $ transfers to XXXX. 2 ). XXXX currently has several $ thousands of my money sitting in their account. However, I did not authorize anyone to take a 3 % processing charge for the pleasure of wiring US $ into a US $ based account held in California with a US company. PNC have refused to take any other action other than giving me the option to dispute the transactions ( which as explained above are valid ). They have refused to allow me to dispute the 3 % processing charge. On a call today with PNC at XXXX today, they have confirmed to me that the dispute resolution process with them is now concluded. They also refused on the call, to provide any further information about who their regulator is or any details of how I can make a complaint against PNC for refusing to help resolve this matter. | ||||||
| 07/18/2022 | Yes |
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| PNC Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by PNC Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or PNC Bank to furnish any late payments to my consumer report. It is my belief that due to PNC Bank 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. | ||||||
| 03/10/2018 | Yes |
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Web | Servicemember |
| Complaint : PNC Banks refusing to accept mortgage payment for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property. I reside in XXXX XXXX, FL. I have a VA mortgage with PNC bank as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, I went to 2 PNC Banks ( PNC Bank-XXXX on XXXX XXXX and PNC Bank on XXXX XXXX on XXXX XXXX ) to make payment on my mortgage ; PNC tellers notify me that there is no pending payment on my account and my account is showing a XXXX balance. Also, there is no mortgage account associated with my name. I requested a copy of this information, but my request was denied. This was quite abnormal because I made 99.9 % of all my mortgage payments through PNC Bank tellers for the last four years. I attempted to make a payment on PNC Bank Payment Options Center online, but my mortgage account information was not listed in PNC Bank Payment Options Center online. I contacted PNC Bank ( XXXX ) -XXXX automated payment system where I was automatically provided with a pending balance. I paid my monthly mortgage payment through the automated payment system over the phone. This automated payment was listed as PNC mortgage 2nd mortgage in my banking statement which is quite puzzling because I never took a 2nd mortgage on my home. I research XXXX County Property website and there is no 2nd mortgage listed ; also, there is no payoff from PNC bank showing that my mortgage is paid off. I have not received any correspondence from PNC Bank pertaining to this matter beforehand. Furthermore, I had 2 witnesses to these incidents. It seems that PNC Bank is refusing to accept payments for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property. | ||||||
| 11/17/2015 | Yes |
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| I have been a customer of PNC bank for about 10y. And I just had a scary experience with this branch. On XXXX/XXXX/15 I stopped by to make a deposit and get a copy of my statement since I was going to DMV ... Which was a horrible experience too. The bank teller had the audacity to open a credit card account without my AUTHORIZATION or even mentioning it to me. The lady kept asking me weird questions which I found so unprofessional such as the area I live at is very expensive, how much I pay for my rent! I must make good money to live there ... These questions were very annoying and I should have sensed that she was actually cooking something for her own benefit. This lady opened a credit card account without my AUTHORIZATION!!! I find out later they get some kinda credit by opening credit card accounts for their customers ... They are trying to get as much customers as they can. This lady now most probably ruined my credit as we all know in order to get a credit card they run your credit and closing it also affects your credit. I 'm very frustrated that PNC bank put me in such situation where now I have to deal with things I never had to deal with and I 'm pretty sure I will no longer be one of their customers because I have lost my trust. If they were able to open a credit card account without my authorization they are also able to use it. And this is a fraud and illegal. Ah and the best part is some lady called me which I forgot her name and I think she s a manager at that branch. She was trying somehow to convince me that this is n't a big deal because I 'm a pre approved for a credit card and that 's why ... Lady no pre approved or not there is no way to open a credit card without me AUTHORIZING it. | ||||||
| 07/09/2015 | Yes |
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| On XXXX XXXX, 2015 - I opened a PNC bank XXXX account in their XXXX XXXX IL branch. This account is very complex to understand - two underlying checking accounts and XXXX savings account all associated with each other but not very well or at least customer is not fully aware how they works. I had a {$200.00} cash back promotion code that was also applied. As per the terms and conditions - i need to have {$2000.00} as direct deposit and one Bill pay from this account within XXXX days. I did fulfilled it - XXXX bill pays and two direct deposits worth more than {$2000.00} also. But it seems PNC bank has some other plans - not to honor their words and give me {$200.00} promotional bonus. Now branch folks are telling me that i should have used my other checking account to do the bill pays and they are claiming that they made it clear on the email also ... which i have been telling from day one ... it 's one account for me and somewhat complex to understand. Moreover it 's very difficult to understand the online website and even navigate thru it-i am using my quicken to understand all the complexities of this PNC account. Did enough follow ups on this matter with XXXX and XXXX but i am not seeing light at the end of the tunnel. I need the promotional cash back as i have fulfilled their conditions. Moreover once PNC bank tricked me and charged me overdraft fees of {$35.00} also even when all these XXXX accounts were connected/associated with each other and there was enough balance in the overall account. Later when i reached out to them-they remove the overdraft fees. As and when i go to that branch-they are trying to sell more and more stuff to me rather than helping me understand this complex " PNC XXXX '' account. | ||||||
| 06/20/2020 | Yes |
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| This is exactly the error I got when trying to connect my PNC account via XXXX to XXXX XXXX XXXX XXXX : " PNC PNC has made a change that prevents you from being able to link your accounts. File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' And below the text there is a link to this form. I am almost 100 % positive I have successfully used XXXX to link my PNC account to other services before - in fact I know it's worked, but there's always been a disclaimer text at the bottom claiming there are some ongoing issues with connecting this bank. So I am not sure if the issue is isolated, worse for some and nonexistent for others, or what's going on. If you could forward this info to PNC I think it would be beneficial for everybody involved. They are a good bank. One last thig : everything on PNC 's end actually would seem to be fine, as right when that message prompts instructing me to contact your organization, I get an email from PNC, every time without fail. It says this : " On XX/XX/20, PNC Bank received a request to link one or more of your PNC Bank account ( s ) to an online or mobile financial service. If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. Call us at XXXX to report unauthorized activity. This alert was sent for user ID ending in *****XXXX. Thank you for banking with PNC Bank. '' I have definitely gotten the same message from the same PNC automated system before when the connection thru XXXX worked just fine. | ||||||
| 09/08/2021 | Yes |
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| I received a PPP loan from the SBA in early XX/XX/. I had it deposited in the BBVA account ( which was originally an account I had with an online bank called Simple which was acquired by BBVA- which is now acquired by PNC or something ). The original amount was {$12000.00}. I started to make withdrawals according to the forgiveness rules of the PPP loan of $ XXXX as my " paychecks ''. After going through an arduous process of verifying myself each time I decided after the 3rd time to just get my money out of BBVA and move it to my credit union account. BBVA then claimed I had a $ XXXX monthly withdrawal limit ( keep in mind, I didn't open this account with them, they acquired my account and applied their rules to it ). They originally told me my Simple ATM card would work but it never did and they wouldn't send me a BBVA ATM card. At some point in late XXXX they claimed there was suspicious activity and shut my account access down completely. After several calls to the " Fraud '' dept. I was told they had up to 45 days to " investigate '' and they couldn't give me any details. I waited until mid XXXX to follow up again and was told ( after sitting on hold for at least an hour 3 separate times ) that they decided to close my account and would be sending me a check for the remaining balance of $ XXXX. It's been almost a month and I still haven't seen any check and still can't get any answers from them. In the end they've held my remaining balance for 2.5 months and counting without ever telling me why. This was money given to me by the SBA as a loan but forgivable if I withdrew it in the proper manner which BBVA has completely interfered with and which may cost me the ability to get the loan forgiven. | ||||||
| 04/04/2023 | Yes |
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| I contacted XXXX XXXX XXXX on XXXX XXXX regarding information reporting on my consumer report due to identity theft. I was denied relationships with financial institutions and currently have one account frozen due to derogatory information reporting on my account resulting from me being a victim of identity theft. I disputed this information followed with a police report requesting that the information be blocked. I also filed a separate dispute with the CFPB ( Reference # XXXX ) clearly stating the account number to the account that needed to be blocked ( XXXX Checking Account # XXXX ). I had been harassed by a debt collection agency named XXXX so I specifically listed the account at XXXX that needed to be blocked as there is an ongoing investigation! XXXX XXXX XXXX sent a letter stating they received my dispute and had placed a block on the XXXX account due to identity theft. They didnt reference back to the XXXX account that I listed on my dispute CFPB complaint. Instead XXXX XXXX XXXX blocked XXXX account that list checking account fraud but not all of them! I recently tried to open a bank account and was denied again due to XXXX XXXX XXXX not being fair in their practices! Also XXXX XXXX XXXX is reporting several accounts from PNC bank with different status reasons. The accounts are listed below : PNC Savings Account # XXXX Closed Purged PNC account # XXXX it doesnt state what type of account this is but status lists Closed-purged PNC account # XXXX XXXX for cause-purged This inaccurate information is critically damaging my future relationships with banking institutions and needs to be removed immediately. I owe PNC no debt and any outstanding balances has been satisfied per my XXXX consumer report. | ||||||
| 07/17/2023 | Yes |
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| We closed on a home equity loan. When we went to activate the loan and get a check for the closing on a property we told the teller that we wanted to lock in a fixed rate. She gave us the rates that day and we selected 20 years fixed. The check was issued and sent. We thought we were done. The first few months the bills came and were what we expected. The next month the amount went up. I asked the bank about it and she said you must have read the wrong line and over paid. The next month the mortgage payment was way higher. I went in to the bank. She looked up the loan and she said you have an adjustable rate. I said youre wrong I told them it is a fixed rate. The manager looked up paperwork and said I didnt sign papers with the teller so I have an adjustable rate. I said the teller did not give me papers to sign. The manager then my issue in to the complaint office. When the corporate people called me they said the teller could not give me papers to sign because the check had to clear first. Corporate said the bank should have told me to come back in 3-5 days after the check cleared and at that time the manager should have given me the papers to sign. I went back to the bank and told the manager what corporate had said. She replied that No One Ever Told Her That. I asked how do we fix it now. She said we could lock in a new rate that day but it would take 2.5 months to activate. So now we are paying a rate that is going into effect next month and we have already paid thousands more than we should have and will continue pay thousands more over the course of the loan. How can the people of the local bank not be trained properly to close a home equity loan or do they do it on purpose to make more money???? | ||||||
| 01/27/2019 | Yes |
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| In 2013 my husband applied for a HELOC loan. According to my husband, it would be necessary for me to sign the papers for said loan. I was unsure why, as I am not on the mortgage and I am a homemaker with no monetary income.But, as I was told by the bank and my husband that it was just a " Florida Thing '' and strictly a formality. However, I am on the deed. The entire amount of the loan was deposited in to my husband 's account. I had no access to the HELOC account at all. I am divorcing my husband of 35 years. I have since discovered that the house, mortgage and HELOC are all in arrears, I am once again stuck with the burden of responsibility when I was not ever given any choice in this matter. I called PNC Bank many times and went to more than one branch to try to learn what I could do to bring any and all payments current. So, now my home is being sold and all the penalties that have incurred and the balance owed will be removed from the equity of my home. As well as the HELOC loan, which was not used wisely to say the very least. I just find it very strange and unfair that I can't be given any information about the loans at hand and denied the right when I wanted to pay towards the balance ( s ). But, I will be incurring the responsibilities of the loans and all the penalties just the same. I had no voice so I guess a signature was good until I began asking the questions I am now asking. Just a women, right? I thought in this day and age that unfair treatment because of one 's sexuality and their place in the working world would not have the same stigma and classification it did so many years before. I am sad and ashamed to say that some things have not changed as much as we might believe they have. | ||||||
| 11/17/2016 | Yes |
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| I wanted to close my checking account with PNC Bank about a month ago due to the fact they were charging me overdraft fees because my online bill pay was deducting bills only hours before my paycheck was deposited, but it was overdrafting my account. This happened a few times before I gave up and decided to switch banks. XXXX weeks ago, I attempted to close my account and they said I could n't because I had pending charges. I 've gone back every week since, and they have said I still have pending charges. Saturday, XXXX, I went in and they told me I had {$1.00} in my account, but I still could not close my account due to a pending charge. Okay, fine. Today, I woke up and I am {$6.00} OVERDRAWN due to a service charge they hit me with this morning, all for going in to speak to a teller about closing my account. When I called and explained why I was upset, their office XXXX suggested I bring the account to a XXXX balance before coming into the branch office tomorrow to again try to close the account, and she said MAYBE they could refund me the service charge. She said if I did n't add money to this stupid account to bring it to a positive balance, I was subject to a {$39.00} dollar overdraft fee -- the entire reason I wanted to close this account in the first place. This bank is literally out for every single cent they can get off of people. I am underemployed, buried in student loan debt, and I work very hard for my money so paying a ridiculous amount in fees and having to give up time every week to go in and attempt to close an account is really bothersome. Oh, and they wo n't refund my fees, because that 's the entire reason I 'm closing my account down. This bank is manipulative, deceitful, and greedy. | ||||||
| 01/05/2023 | Yes |
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| PNC is trying to collect an illegal debt. The debt was charged illegally, pnc had admitted this, and then ignored all other attempts and sent false documents to the CFPB. PNC has broken atm machines, and blames customers. PNC is literally stealing money. What are they doing when atms dont accept cash, but the same atm allows cash withdrawals? Why does pnc send fake accounts to collections agencys? Why does PNC submit false documents to the CFPB. Why does pnc not respond to any concerns? PNC has sent documents to the CFPB claims this debt has been sent off to collects to CCs. As detailed in our response dated XX/XX/2022, the Spend was closed by PNC on XX/XX/2022, with a balance owed of {$69.00}. PNC did not receive payment for this balance and forwarded the account to XXXX for collection. They can be reached at XXXX. PNC has STILL collected on this debt that they no longer Owe, and that they sold. It was put into my collections, and I was harassed over the illegal fee. PNC is holding my money captive and refuses to communicate with me over a mutually recorded phone line, or email. It has to be only recorded on their end, and this I do not accept and is, again, illegal in many states. And I have email proof of them denying these communication methods, then theyll the CFPB they could not contact me. PNC is blatantly breaking the law, lying to the cfpb, reporting false accounts to collections, collecting money they dont have accounts to, not returning it like a normal bank does, and are stealing customers money It has been over almost three months now. The money should be returned with interest. bank reference ID XXXX. Total amount {$290.00} Mailing adress is : XXXX XXXX XXXX XXXX, XXXX MD, XXXX. | ||||||
| 08/23/2017 | Yes |
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| PNC Bank changed the terms of my personal checking account. This notice was provided only via statement message on an account that is considered a virtual account and does not receive paper statements. Most activity, including reconciliations, on these types of accounts are performed in-app, and thus I did not receive proper notice, such as an App Notification or even a note to say, " Hey, by the way, there are new terms on the most recent statement. '' When I called to inquire about this service charge, I was told that PNC had done away with one of the ways they provided to avoid this charge. That particular method was to avoid visiting any of the branch tellers. All transactions had to be performed through the app, online banking website, or ATM machines, which I had done for many years. Unhappy with the outcome, I requested to close the account. I was informed that PNC could not close my account until my Life Insurance automatic withdraw was switched to another account. So, lacking any other options, I finished our conversation and proceeded to change the life insurance payment account. By the time the Life Insurance was switched, and I called PNC Bank to close the account for the second time, I was assessed another monthly fee which overdrew my account. This time PNC refuses to close the account because the account had been overdrawn by their $ XXXX monthly fee. I refuse to pay the fee on the grounds that I had previously requested to close the account because of it. At this point in time, PNC still refuses to close my account and is continuing to charge my account {$7.00} per day for being overdrawn. Fees assessed since my request to close the account currently total {$100.00}, as of X/XX/2017. | ||||||
| 08/08/2017 | Yes |
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| I had an incident where my wallet was lost, along with my identification and bank cards. Upon realizing what happened, I immediately checked online for any purchases using my PNC checking accounts. I went into the nearest PNC Bank and informed a representative of what happened, identified multiple fraudulent charges, and I asked the representative to have my account information changed and reissue new cards. After a week of waiting for new cards ad account information to arrive I contacted the bank regarding when I should expect my new account information, and was informed that my accounts had been " administratively closed '', and that I should contact their loss prevention/security department for further information. When I contacted the recommended department I was basically told that my accounts were closed due to fraudulent activity, and that I would not be permitted to reopen that or any other accounts with PNC. I asked many questions, but got entirely NO answers or any satisfactory resolution. I was treated extremely unkind and was talked to as if I was a criminal. After several unsuccessful attempts to resolve this, I eventually opened an account with another bank. I recently, however, pulled my XXXX report after having been denied the ability to open another account for my son. When I received my report, I saw that PNC has reported that there has been " Suspected Fraud Activity '' on that account. That 's TOTALLY WRONG of them to do that, especially since I did everything I knew to do and that I was the one to initiated a fraud investigation in the first place. Each time I went into the branch to get answers I was referred to the same fraud department who wasted my time and treated me horribly. | ||||||
| 10/23/2023 | Yes |
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| I have 3 complaints toward PNC Bank. 1. My primary complaint relates to them closing my credit card account without my permission. The card ended with XXXX. I called once because PNC owed me money ( card had a negative balance ) and an agent on the phone said they would credit my checking account with those funds. No discussion or permission was made around closing out my card once it had a XXXX balance. They did this WITHOUT CONSENT negatively impacting my credit score as this was my oldest line of credit. I need this reinstated with that initial date as they closed in error. 2. Did not receive XXXX gift card from credit card points redemption. This should be for {$100.00} and I received no mail or email after requesting. 3. XXXXl customer service and problem resolution. I have been trying to work with PNC on this. I filed a complaint on XX/XX/XXXX and no one has explained anything to me yet. My complaint was escalated on XX/XX/XXXX and I got an email on XXXX from XXXX XXXX. I sent her three emails for an update without reply ( XXXX, XXXX, XXXX ) and called on XXXX and left a message. On XX/XX/XXXX I emailed and called again and pressed " XXXX '' to speak with someone else, explained my circumstances and he said he would give info to XXXX who was still not reaching out. I heard nothing so I emailed on XX/XX/XXXX before finally hearing from her on XX/XX/XXXX. She had not spoken to the person who I spoke with on XX/XX/XXXX and had no information. I did not hear anything from her so emailed again on XXXX, she called me later that week and said they were " looking for the initial call '' and would get back to me. I have not heard anything, so I emailed her again today XX/XX/XXXX and am filing this now. | ||||||
| 08/25/2023 | Yes |
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| I had 4 accounts I rarely accessed. They are more or less " holding accounts '' for renter deposits. I am required to have these accounts. I was told at BBVA that there was no management fees associated with the accounts if I set up auto transfers on the accounts between a savings account and a checking account, which I did. I opened the account in XXXX XXXX. I was never informed that PNC was actively purchasing the bank. When my renter moved out in XXXX I tried to access the account to retrieve the funds and was then notified that BBVA was purchased by PNC. I was not told of this during a prior date or at the time of opening the account at BBVA. I went to the local branch to sort out the issue and retrieve my new account numbers. Of the four accounts, they could only locate one crossover account. I was told that the account balance was now $ XXXXI asked for my account closing statement at BBVA and they said they would have to look that up and to come back at another time because they didn't have access to it. They said they would not refund my money, despite never opening or opting into a specific account with management fees at PNC. They drained one account with management fees. They could not provide account numbers for the other three and could not tell me if or why the other three PNC accounts had been closed or where the money in those accounts went. I was then told that nobody else had this issue during the crossover. That I was " mismanaging '' my accounts and it seemed like they thought I was deserving of losing 3 accounts money and the associated history of those accounts and $ XXXX dollars in the one remaining account that they were able to produce a PNC number and account balance for. | ||||||
| 11/30/2021 | Yes |
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| I went to dispute XXXX {$2500.00} charges equaling a sum of {$5000.00} that were made on XX/XX/2021 for {$1500.00} and the remainder paid on XX/XX/2021 for {$1000.00} equaling {$2500.00} and on XX/XX/2021 for {$2500.00} I informed PNC that I purchased a product that did not perform as advertised and rendered unsatisfactory performance. I am of belief that I am a victim of deceptive marketing and fraudulent practices by the XXXX XXXX XXXX also known as XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX ( which would be the merchant reflected on the bank statement for both {$2500.00} purchases ) I, along with hundreds of people purchased a software/service that did not perform as promised. We were told from the creator/merchant that we could request refunds yet after numerous attempts to rectify the situation those same requests were denied. The results from the software/service were inconsistent, and when updates were announced they were never given in a timely manner. I have taken further measures to file a class action lawsuit against the company ( XXXX XXXX XXXX for their deceptive marketing. PNC informs me that they would look into the matter and to check back in with them in XXXX days. It is now the XXXX day and upon reaching back out to PNC they informed me that a dispute was never filed ( though I spoke with several representatives on different occasions confirming the filing of the dispute for the return of my money ) thus leading me to believe that I as a customer do not matter and with the lack of effort by PNC my money would not be returned without assistance from someone. Please help me, Ive lost all hopes of retrieving my money back and am having a hard time trusting this company moving forward. | ||||||
| 02/20/2020 | Yes |
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| Over {$12000.00} has been withdrawn from my checking account from a merchant that did not have my authorization or permission to charge my account. There is no contract in place and the merchant has been withdrawing about {$120.00} a month from my checking account for the past 10 years. I never noticed because there is no signed contract in place and I was unaware money has been withdrawn from my account. I disputed the charges with PNC bank who opened a dispute with the merchant. The merchant never responded to PNC bank, however PNC notified me that despite receiving no feedback from the merchant, they closed the dispute in favor of the merchant and it is my responsibility to recover my money. The reason PNC gave me they ruled in favor of the merchant was due to internal bank policy. The merchant never responded to the dispute charges. I am a consumer and pay bank fees to PNC bank. I have a right to expect my account and money to be secure. PNC told me anyone who has my routing.account number can go into my account and withdraw money without my permission. PNC does not consider this type of activity fraud and does not want anything to do with it. I am a consumer, pay bank fees and expect PNC to keep my money secure. I am filing this complaint because PNC refuses to do anything to get my money back. These were unauthorized charges and there is no contract or proof of any purchases I made from the merchant. There is no contract or proof of purchase because I never signed a contract for the money that has been taken out of my bank account. Does the consumer have any frights these days? Can banks just walk over average middle class Americans and not be responsible to keep our accounts secure? Please help. | ||||||
| 05/17/2019 | Yes |
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| Hello My complaint is regarding PMI removal. I bought a brand new home ( new construction ) in XXXX. I have an outstanding payment history, putting more money down every monthly. in XX/XX/XXXX I contacted PNC to get PMI canceled. PNC charged me {$500.00} to run an appraisal and gave me the criteria for PMI removal. 1 ) The appraisal must show sufficient value which would reduce the LTV to 80 %. 2 ) Since the loan is less than 2 years old, the investor requirements state that the customer is required to have made improvements to the property. I accepted the criteria and paid {$500.00} for the appraisal, after 2 weeks I got the decision : " THE LOAN INVESTOR HAS DENIED YOUR REQUEST TO REMOVE PMI '' The appraised value brings my loan-to-value ( LTV ) to 77.79 % ( it means I achieved the first criteria ) However PNC stated that I haven't made improvements in my home accordingly to the second criteria, but that is not true. I opened a dispute and proved ( sent a report with photos and invoices ) that I have made a lot of improvements such as Patio over 500 sqt, driveway extension, new walkway and porch, black splash, finished garage with epoxy painting. However they still denying my request, saying that I have not made any improvements. The question is, what else is considered improvements for a brand new house. I have called more than 4 times to try to get a fair answer and, every time that I call I need to wait 5 days to get a response by mail. Besides the frustration, waste of my time also it seems a scam because they are not acting with integrate. I really wish to solve this matter in a friendly way, for that reason I am opening a claim here, before to talk to an attorney. thank you XXXX | ||||||
| 04/06/2019 | Yes |
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| Wanted to pay off {$4000.00} towards my auto loan. The problem with PNCs website is that it doesnt allows you to pay the amount towards principal only. So I called their customer service ( around XXXX XXXX ). The lady over the phone tells me that now theres a checkmark on the payments webpage of their website that lets you pay towards the principal only. I hung up only to find out theres no such option. Called back again and another lady tells me the same. I stay with her on the phone asking her to navigate me but she fails to find that option. So on two occasions, they gave incorrect information to the customer. Now comes another interesting part. I visited a branch on XXXX XXXX to try to accomplish what I was trying for. Around XXXX, a male and female banker were in the bank. I clearly tell the male banker that I would like to pay {$4000.00} towards my auto load principal amount only, explaining him that it didnt happen few months ago when I visited the branch and had to call in to fix the issue. The Banker says no problem, thats what I did. I again asked for a confirmation with my wife standing next to me and this banker seems way too confident and said it should have been applied to the principal only. Next day, I login to my account and see that a portion of the money was applied to interest. Incredible! This bank needs to shut down for sure. I have another complaint opened up against them and I havent heard back. I will call now to get rid of that interest amount. Why would someone pay {$4000.00} towards the remaining {$5600.00} loan and ask for it to be applied to interest as well is beyond my scope of understanding. This is clear case of giving false information to the customer and deceiving. | ||||||
| 03/26/2018 | Yes |
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| I received a notice from PNC Bank on XX/XX/XXXX, noting that I owed {$130.00} in " past due payments. '' If I do not pay this amount by XX/XX/XXXX, I will owe nearly {$80.00} in additional fees. There was no explanation for this " past due payment, '' and when I logged into my online account, it gave no indication that I missed any payments or owed {$130.00}. I called PNC Bank at XXXX, and they put me on hold for 45 minutes before someone spoke with me. The bank rep said he thought the amount was in error, saying that my financial product had recently gone through some kind of IT upgrade, which created a lot of similar problems with other customers. He told me I could probably ignore the problem. My problems with this are two fold : 1 ) Until PNC gives me something in writing saying that the {$130.00} payment was in error, I can't be confident that it really was. So, I have to continue to do my due diligence to make sure that what the telephone rep told me is accurate. This means following up with PNC, spending more time and energy in the days/weeks ahead. 2 ) I spend almost an entire hour on the phone with PNC today ( the vast majority of it waiting to speak with the representative ). If I have to follow up on this problem, I will have to spend an additional hour. I've already escalated the problem and am supposed to get a phone call from another rep within 24 hours. If and when a consumer makes a mistake, banks almost always charge very hefty penalty fees. But when the bank makes an error, why doesn't the bank pay a compensation fee to the customer, for lost time and energy? A bank 's ability to create these kinds of headaches for consumers with no penalty feels like a major abuse of power. | ||||||
| 08/30/2017 | Yes |
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| I lost my debit card last month earlier in the month beginning of this month to this retaliatory XXXX XXXX denial of loans fake Prejudice as PNC Bank and they 're trying to charge me {$110.00} for items I do n't have never received, s supplicating me with any name matching doc, trabsactions slips wherefore where that information transactions or matching the credit card in my name has it appears on my bankthe debt card this has n't been implemented or done for me.this been going on since XXXX XXXX XXXX with soliciting me for money and I never got any of my funds as far back as a year ago I do n't owe XXXX XXXX XXXX any money I have Department of Human Rights complaints pending against PNC Bank for hateful discriminatory crimes and actions they have taken against me at one of their facilities on XXXX and XXXX I was a cruel situation and all they did was made sure that the guy that was involved the branch manager they make sure his XXXX XXXX disappeared right away soon as when I filed the charge vs the bank nonstop harassing calls instead of answering too cfpb, is the Retaliatory norm '' it 's like XXXX XXXX allowing me to open a name up n fraud as a idtheftvicyim, and then sold me at XXXX XXXX a while with two defective heavy battery 's that do n't work..plus upon arriving at XXXX yesterday the code was not verified to my cell phone as it should had been thnks to a freeze '' on my credit this comp breached and bypassed, a requirement by law, n receipts say pdunn, n thee, computer at XXXX XXXX XXXX XXXX XXXX just dished out a number card, accnt, without security, similar to PNC Bank dish out funds no security then say like " oh u owe overdraft '' no.sorry PNC Bank debt collectors no license I owe u zilch | ||||||
| 08/07/2020 | Yes |
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| In XX/XX/XXXX three purchases were made on our PNC account at XXXX in the XXXX XXXX XXXX area. When these purchases were made on XXXX, XXXX, XXXX and posted to our account on XX/XX/XXXX in the amounts of {$29.00}, {$26.00} and {$36.00}, totaling {$92.00}. When we received an email from XXXX stating the purchases had been made we called the bank immediately. It is impossible for me to make purchases in the XXXX area and the XXXX XXXX XXXX area on the same day within very close time frames. It also defies all logic that I would make three online purchases in the XXXX XXXX XXXX area that would be delivered to addresses where I am not. This logic, coupled with the fact that we called the bank immediately is proof that we did not make these purchases. We were issued a provisional credit on XX/XX/XXXX XXXX for the full amount ( {$92.00} ) while the investigation was pending. On XX/XX/XXXX PNC Bank sent us a letter that we received on XX/XX/XXXX informing us that the investigation was complete, and they are removing the provisional credit to our account. The letter states that we are now responsible for the {$92.00}. We immediately phoned PNC and they are still removing the provisional credit ( taking our money ) while sending the dispute through to their dispute department again. I made several phone calls to PNC today ( XX/XX/XXXX ) and I am unable to speak with anyone regarding the details of the investigation that was conducted into these purchases on our account. I am unable to get the reasoning or findings in the investigation that were used to determine that we are responsible for the {$92.00}. Any assistance in the matter would be much appreciated. The reference number for the dispute is XXXX. | ||||||
| 09/13/2021 | Yes |
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| On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX, my contact for one of our vendors, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX email is XXXX. For several months, we have sent bill payments to XXXX by ACH transfer, based on information provided by XXXX. The email I received XX/XX/XXXX included prior legitimate emails between XXXX and me in what appeared to be a continuation email to me in that stream but using the email address XXXX ( extra XXXX after construction ). The fake sender informed me that a new bank account should be used for the next ( and future ) payments to XXXX. The sender provided the new bank information by entering it directly on the ACH form that we use for our company account at XXXX XXXX XXXX. A payment of {$75000.00} was due to XXXX at the time, so I used/submitted the ACH form ( w/scammer 's bank info as recipient ) to transfer funds immediately thereafter. The forged bank information was discovered XX/XX/XXXX when XXXX XXXX sent a copy of their latest bill and informed me that no payment had been received for their prior bill. I informed XXXX of the modified bank information that had been entered on the ACH form, and she confirmed that she did not provide that information and that their bank account had not changed. I immediately alerted XXXX XXXX, my contact at XXXX XXXX XXXX, of the circumstance and provided a copy of the ACH form that had been submitted previously with the forged account information ( PNC Bank, Routing No.XXXX, Checking Account No. XXXX in the name of XXXX XXXX XXXX ) XXXX XXXX XXXX at XXXX XXXX XXXX contacted PNC regarding the improper transfer, but PNC would not speak with her regarding this matter because " she is not their customer. '' | ||||||
| 09/13/2021 | Yes |
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Web | Servicemember |
| We are currently trying to close on a VA Mortgage with PNC Banking. As of XX/XX/2021 we are 13 dates past our closing date with no closing date in site. PNC has repeatably asked for the same documents multiple times. At one point we were told after two weeks of re sending documents they said they finally found them in a file that was done by another processor. Our appraisal was done in XXXX and we finally received the notice of value Friday XX/XX/XXXX, I was told this is a federal violation by not sending it 3 days after. We have not received a copy of the full appraisal even though we have been repeatably requesting it. The slow response to giving the notice of value and appraisal is an issue since the house did not appraise at value and the contract needed to be amended and renegotiated. They have told the seller 's agent they had all documents needed from them and then for weeks are requesting documents from us that should be coming from the the seller. They refuse to return any phone calls or take any phone calls from our real estate agent so that she can get documents and corrections to them. Tomorrow XX/XX/2021 we are breach of contract and in danger of losing our {$5000.00} in due diligence and are we are having to spend money for rentals on because we are so far past our closing date. We have been told by processing agents during conversations that they will just let our loan seat on their desk for a week. We have to call customer service lines because the loan officer, loan processing agent and the loan processing manager do not pick up their phones nor do they return phones. Any help would be greatly appreciated. We were told by our real estate agent this was our best option for assistance. | ||||||
| 04/21/2021 | Yes |
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| In XX/XX/2000 I had XXXX security installed due to a XXXX XXXX. Immediately every sensor faulted And the system was bypassed allowing my XXXX and his friends access in my home. Somehow they hack the system my garage was robbed my grandson seen them in the home. I called XXXX several times explaining this to them telling them I didnt want to service it wasnt doing what it was supposed to do which was protect me my XXXX is a XXXX XXXX. Finally in XXXX they agreed to remove the equipment that I had been making installment payments on and refund what I had paid for the equipment. Three supervisors promised me a refund. In XXXX I received a voice message saying I would not receive any money so they retrieved the equipment and kept my money. They did refund me the monitoring fees. I contacted PNC within days of that voice message trying to get them to dispute the charges to get my money back we were in the pandemic I couldnt get into the bank so I was doing it virtually but apparently none of their employees actually filed the dispute. So when I finally got through to somebody else they said it it was beyond their timeframe for disputes which was either 60 or 90 days. So PNC will do nothing either. Bottom line is Im out almost {$1800.00} I have XXXX I have been XXXX XXXX and XXXX XXXX damage has been done to my home I have suffered over gear a continual XXXX and being XXXX on top of what I live through for XXXX years. Every account I have it he has access to because he has access to my phone which is another complaint I will be filing against XXXX. He is determined to XXXX XXXX XXXX and he is getting away with itI have to leave my home of XXXX years the home I raise my children in from when they were born. | ||||||
| 06/17/2017 | Yes |
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| This is in regards to PNC 's XXXX XXXX c redit card. I had their card and received a promotional balance transfer for 12 months interest free with paying a percentage service fee, so I did a {$5000.00} balance transfer in XXXX of XXXX . I paid more than my minimum, usually {$750.00} per month, yet in XXXX of XXXX they started charging me interest. I did n't notice it till my XX/XX/XXXX statement ( that they added interest as well ). On XX/XX/XXXX , I contacted their customer service department and spoke with MR. XXXX XXXX . He explained to me that my previous balance ( before the XX/XX/XXXX balance transfe r ) interest free period had expired in XX/XX/XXXX and that was why I was being charged interest. I pointed out to him the large payments I had been making and how it should have covered that balance. He started talking about how they apportion payments, with the highest interest charged purchases being apportioned last. During the conversation at least 3 times I asked for him to send me an itemized account of how they apportioned my payments since the XX/XX/XXXX balance transfer, he agreed to do so and said documentation was being sent. He also told me that if my next payment I made was approximately {$1600.00} and change ( I do n't recall the exact amount ) that I would no longer incur interest so I made a payment of {$1800.00}, and yet on my next statement they have charged me interest. They have set this up in such a way that the credit card holder is not only being charged a transfer fee for a balance transfer but is also being charged interest on your card even though they claim it 's a 12 month interest free period if you pay it off at the end of those 12 months. | ||||||
| 07/25/2021 | Yes |
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| On XX/XX/XXXX, I incurred a {$38.00} Late Fee from PNC Bank ( Ex. 4 ) as a result of its faulty auto-pay system. I had previously received a credit for a late fee on XX/XX/XXXX, ( Ex. 1 ) due to its deficient auto-pay system which was refunded on XX/XX/XXXX, ( Ex. 5 ). PNC Bank contends that because they had refunded one late fee, its policy prohibits it from issuing another late fee notwithstanding its deficient auto-pay system. I have had several conversations with PNC 's representatives regardings this issue to no avail ( Exs. 11-12 ) ; indicating that its centralized system prohibits it from issuing more than one late fee refund within the calendar year notwithstanding bank error ( deficient system ) [ Exs. 10-10a ]. PNC Bank deficient auto-pay system treats an auto-payment as an external transfer, but not for an indefinite period. And, once the auto-pay expires, you have to reinstate the transfer all over again. When, I reinstated the auto-pay on or about XX/XX/XXXX, with the help of its representative that refunded the first late payment, it was set up for the wrong date, i.e., for the XXXX of the month when it should have been set up for the XXXX of the month when my payment was due ( Exs. 4a- 7 ). However, its deficient auto-pay should have rejected the XXXX or made it early 28 days before it was due, nevertheless, the deficient auto-pay system accepted this day and charged me another late fee defeating the purpose of the auto-pay. After going around and around with PNCs representative ( middle and senior levels ), I was unable to secure my {$38.00} refund for the late payment. Compare XXXX XXXX auto-pay system to PNC 's auto-pay system which is more user-friendly ( Exs. 10, 10a, 13 ). | ||||||
| 06/17/2018 | Yes |
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Web | Older American |
| The complaint is related to a PNC Bank credit card. The card has been used successfully for 14 years. The card has XXXX points, and I called to request the points be converted to a credit on the account. This had been done by me successfully one year ago. On approximately, XX/XX/XXXX, I called customer service to request the points be credited to our account. After being on the phone for 45 minutes and talking with two customer service representatives, I was transferred to XXXX in the fraud department. The reason, I learned, is that my husband is the " primary '' on the card ; I am a " qualified '' user ( my terms, may not be what PNC uses ). That was learned during the last 10 minutes of the 45 minutes on the phone -- after I asked XXXX a simple question, " What is the problem? '' My husband 's last name is not the same as mine, he is XXXX years of age, was diagnosed with XXXX XXXX in XX/XX/XXXX ; and was unable to answer some of the security questions. That is, I believe, why we ended up talking to the person in the fraud department. This card is the only PNC Bank connection we have. XXXX solution : go to the nearest PNC Bank and complete paperwork to have me listed as a primary on the account. She looked up on her system, and said there is a PNC branch in XXXX, Minnesota. They are no longer a branch, and there is not a PNC facility within our state and region. At no point were forms offered that would allow me to become a primary on the account. To me, a simple solution would be to mail them, complete them, have them notarized, and mailed in. I am no longer using the card, and plan to cancel it upon a satisfactory resolution of the outstanding points -- in the form of a check sent to our home. | ||||||
| 01/10/2017 | Yes |
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Web | Servicemember |
| Hello, I would like to file a complaint against PNC Bank. My loan officer for the process was XXXX XXXX XXXX XXXX # XXXX. As a first time home buyer applying for a VA loan I was unsure of what fees if any would be appropriate. When asking to put in a formal application I was told that an Application Fee of {$520.00} would be charged. I agreed as I was told that the Department was having a Special which ended that day, and I would need to put the application in to lock the lower rate. The day after I requested the application be withdrawn but was told I would not receive the fee back. I would first like to note that VA loans do not allow the veteran to pay an application fee. Secondly I would like to argue that this is a XXXX violation qualifying as unfair deceptive and abusive for the following reasons : Unfair 1. I sustained substiantial injury ( {$520.00} ) 2. The injury is not avoidable as it is necessary for the application 3. There were no counter ceiling benefits as I withdrew the loan. Deceptive : 1. I believe the Special they held was an attempt to mislead me 2. My interpretation wa that there was no other was to be approved for a loan without being charged such fees. 3. The act was material ( {$520.00} ) Abusive 1. The act took unreasonable advantage of my understanding of the loan/ application process. I do know that it is encouraged for consumers to shop for their loans. I would like to argue that unreasonable application fees restrict consumers to do this. I was also charged this fee before receiving my Closing Disclosure and Good Faith Estimate. I would like to request my application fee be refunded and note unreasonable application fees a XXXX issue. Please investigate, thanks! | ||||||
| 06/24/2022 | Yes |
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| On XX/XX/XXXX I went into a PNC branch in XXXX XXXXXXXX, PA to get a personal loan for debt consolidation. I personally was denied, which I expected, and due to the loan being a co-borrower loan, was told to come back with them and redo the application. When I came back I got a different employee and was told that there is no difference between a co-signer and a co-borrower loan. Because in this employee and branch managers mind, that there is no difference between these terms, they dont enter the information in in the correct order for their system. The first employee knew I needed to go second on the application ( EVEN THOUGH THIS IS A JOINT CREDIT APPLICATION for monthly responsibilities not just co-signed in case of default ) because PNC advises in this branch at least, there is no difference between these types of loans, which is factually not true, the application needs to be structured like a co-signer loan with the bad credit last. So a lack of basic financial knowledge from employees and the branch manager is causing people to not get loans they qualify for, and teaching uneducated consumers dangerous financial lies that there is no difference between co-signer and co-borrower. I dont care thst I didnt get the loan, its PNCs loss, but after being denied the loan due to them not understanding their system and basic financial terms they then suggested that Im pre-selected for a credit card while Im there for debt consolidation. So I question the intent of the denial and the legality of giving false financial advise as an accredited financial institution. Theyre structuring an application under one set of rules and handing you paperwork for another to mitigate their loan risks. | ||||||
| 04/29/2015 | Yes |
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| In XXXX, I opened an account with PNC Bank. The account included benefits such reimbursement for using non-PNC ATMs, reimbursement of foreign exchange fees, as well as others. In the last year or so, branch staff told me that their accounts had changed but that I was " XXXX of the lucky ones '' and that my account and subsequent benefits were " grandfathered in. '' I was told this by staff at XXXX separate PNC locations, and even have an email dated XXXX/XXXX/XXXX from a branch representative claiming this was the case. I recently returned from a trip abroad and was rudely surprised to realize I had been charged foreign exchange fees AND ATM fees which were not reimbursed even after well over a month. I began to look at my account very closely and realized that in XXXX XXXX I had other non-reimbursed fees. I inquired about this at the bank, and they said they must have been wrong but that their was nothing they could do. They sent the matter to their " escalation '' team who also said there was nothing they could do. I did not receive any direct communication from PNC by email or mailed letter alerting me to any significant benefit changes on my account. Had I been told I no longer had the benefits I believed I had, I would have IMMEDIATELY switched into the account that I now currently have which I 'm told ( though now I find hard to believe ) comes with up to {$10.00} in ATM fee reimbursements monthly as well as free certified checks, checkbooks, and an increased percent cash back for credit card purchases. I have consistently kept thousands of dollars with PNC and would have easily qualified for this account previously ... had anyone alerted me to the fact that I no longer had my old benefits. | ||||||
| 07/01/2020 | Yes |
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Web | Servicemember |
| SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S ) ARE APPEARING IN THE SYSTEM. THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM. | ||||||
| 08/22/2023 | Yes |
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| On XX/XX/XXXX I XXXX XXXX XXXX endorsed a check made out to myself and PNC Bank N.A . The check in the amount of {$71000.00} was mailed out via overnight with XXXX. The issue is the check was for home repairs due to damage from hurricane 's Ian and Nicole. PNC bank was fully aware that I'm not responsible for the mortgage note but I am the primary on the homeowners insurance. The person responsible for the mortgage passed away last XX/XX/XXXX. PNC bank illegally sent the funds that were issued in my name and there name in the name of the deceased, that was not primary on the insurance. I XXXX XXXX XXXX have followed the proper protocol and have signed the necessary documents, stating the funds will go to the repairs of the home. I had absolutely no problem with them sending partial payment and requesting inspections be done. I spoke with several employee 's and none them seem very competent enough to handle the situation, especially since they can't seem to return phone calls and put you on hold for 45 minutes to an hour " RESOLUTION DEPARTMENT ''. This is absolutely horrific!! I've been to the branch several times hoping they were able to endorse the checks seeing as I have no business with them but when I was informed about the proper steps I would have to take, I did what was needed and they did what they wanted. My family and I have been fighting with the insurance company, which we are in litigation right now and the sad thing is I truly did not want to have to fight with PNC Bank to. The house is uninhabitable and we are living in our pool house with our three dogs. PNC is fully aware of the situation and not to mention we have contractors scheduled to start work but no funds to pay them. | ||||||
| 02/05/2023 | Yes |
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Web | Older American |
| On Sunday, XX/XX/XXXX, I mailed a check in the amount of {$3900.00} as a payment for my local taxes. I included a Parcel Number on the check. Since it was Sunday I mailed it in the blue box outside the XXXX XXXX, PA post office. On XX/XX/XXXX, XXXX I received a letter from the XXXX XXXX. Tax collector, XXXX XXXX, informing me that my taxes had not been paid and I now owed the taxes and {$450.00} in penalties. I looked online at my checks and found that the PNC check XXXX had been altered, made payable to one " XXXX XXXX ' '' It was an obvious forgery. PNC cashed the check. On XX/XX/XXXX I visited the XXXX XXXX branch of PNC bank at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone XXXX. Two of the bank employees took my information, made copies of my duplicate check and the forged check and assured me that money would be returned to me at some point in the future and that I would be informed regularly as to the progress of the " investigation. I do not know why I would be part of any " investigation. '' PNC took my money and gave it to a thief. I never heard anything from PNC. I called the Fraud Dept. in XXXX and they had nothing to report. On XX/XX/XXXX I visited the branch and they verified that nothing had been done so far. {$3900.00} is a lot of money and with the penalties I had to pay {$4400.00}. I have had to struggle over the last two months to pay my bill. I am not rich. I am a XXXX XXXX XXXX. PNC did not take care of my money. If PNC has to investigate their own ineptness ( a good idea ) they should do it on their own time. I think it is another crime for PNC to keep my money and give it back to me when they feel like it. They have plenty of money right now and I want my money right now. | ||||||
| 04/10/2022 | Yes |
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| My initial closing date was Friday XX/XX/2022 which was known since day one. XXXX XX/XX/2022 my loan processing analyst states the earliest they could close is Wed XX/XX/2022. Friday XX/XX/2022 at XXXX I receive an email from XXXX XXXX XXXX that closing will be at XXXX on Monday XX/XX/2022. I received no notification from my lender, nothing about requesting to change the date or asking to change the date. At this point this also means theres not enough time to receive the closing disclosure document in the required XXXX business days so that I can review it. Also means I had to pool all my money into one account prior to when I anticipated to do so, so that I could send over the wire to the title company. I called my loan officer to see if he could forward me the documents so that I could review them. He for some reason thinks its a joke and starts laughing saying ill get everything. I let him know that I dont have access to the email that I have on the application and that I need the documents to be sent to another email. He assures me that when all the documents come in that XXXX send them to my email address. I am currently out of the country so am XXXX hours ahead of the loan processing department and have not received a single document. I have had other issues with this process so I am not fully confident that what is in the documents even are the same as when I received the loan estimate. Since the closing date was changed t XXXX on a Friday before the closing date there was no way to receive the closing document within the REQUIRED time frame. I still have not received the documents thus I can not sign them let alone read them. This entire process through this bank has been ridiculous. | ||||||
| 08/10/2018 | Yes |
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| I have had issues with PNC bank regarding overdraft fees since I first opened the bank account in XXXX. I have below dates and total dollar amount taken from me since XXXX. It has been a lot more than this prior to XXXX but information is not easy to obtain. it would cost me {$5.00} per statement just to obtain every overdraft fee. I have been in contact with PNC on an every week basis and I am always fighting with them some times on social media on XXXX. I was unable to obtain any reward from the previous class action against them as I was a year too late. I am willing to pursue a new one if this issue does not resolve itself after this complaint. Overdraft fees hit on my account might into the thousands. ( 2 ) fees from this time period may have been refunded since this time period but all else stands. Please see below every overdraft fee since XXXX : XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} - {$5.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$30.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$66.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$100.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$130.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$170.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$210.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$240.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$280.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$310.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$350.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$390.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$420.00} | ||||||
| 12/24/2016 | Yes |
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| Bank rep came to my workplace in XX/XX/XXXX and gave sales talk about how if I opened an account with them and did a certain number of transactions I would get a large incentive ( {$200.00} ). Bank rep failed to explain to me I had to transfer a minimum balance into the account by a certain time or get hit with service fees. I never received a statement the first few months as the fees were apparently waived somehow as a " courtesy '' on new accounts, and I was traveling and did not use the account. I thought either PNC had automatically transferred money from one of my other bank accounts into the PNC account, or else the account was not fully activated till I went online and took some action. I received a debit card but did not get around to activating or using it. In XX/XX/XXXX I received out of the blue a statement from PNC showing that my balance was XXXX AND I owed them a XXXX dollar fee. I basically got charged a fee on an account I never used ; never put money into or out of, never activated or used the debit card, never logged into PNC Online Banking. It 's an inactive account and they charged me a fee without fully explaining that I would get hit with fees if I did n't put in a certain balance by a certain time. I have called them and asked that the account be closed and the fee waived. I did not open this account with the idea of owing the bank money, I thought I was getting a XXXX dollar incentive ( which I never got because I needed to use the debit card within some " promotional period '' to get that money, apparently ). I was misled by the sales rep and I just want this to go away and I do NOT want to pay a fee on an account I NEVER USED. See attached letter for more details. | ||||||
| 06/19/2018 | Yes |
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| On XX/XX/XXXX, I went to the grocery store and my debit card was declined. I checked my account online and discovered {$1100.00} was withdrawn from my account. I contacted PNC Bank customer service on XX/XX/XXXX and was advised that it looks like the bank teller located in a different state, Pennsylvania, I am in XXXX, entered in the wrong account number when doing a withdrawal for a different account holder and the money came out of my account instead of the other person. I was advised that the department that handles this is currently closed since it was the weekend and to call back on Monday morning at XXXX. On Monday, XX/XX/XXXX, XX/XX/XXXX, I called back on Monday and had to explain to the next agent what was going on with my file and then I was advised that since the funds were still pending, I would have to call back on Tuesday to actually dispute the withdrawal. I called back on Tuesday, XX/XX/XXXX, XX/XX/XXXX and after I explained AGAIN what happened on my file, I was advised only a supervisor could issue the immediate credit and was placed on hold to speak to a supervisor. The supervisor gets on the line and advises me that there was no notes on my file so I needed to explain what happened AGAIN. After I explained, the supervisor advises me she just needed to contact the branch to get the information to reverse the withdrawal. After placing me on hold for 10 minutes, the supervisor advises me that she cant reverse the withdrawal and that now I have to wait until it is investigated for it to be reversed. The supervisor advised me that she didnt know how long the investigation would take so I basically have to wait with my account overdrawn, overdraft fees and no access to my funds. | ||||||
| 08/26/2022 | Yes |
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| My bank card was used fraudulently on XXXX. I called PNC on XXXX to report it, dispute it and cancel the card. There were 11 transactions but only 9 could be disputed at the time, the other 2 had to wait until posted. 2 disputes were filed. On XX/XX/XXXX I filed the dispute for the remaining 2 transactions. On XX/XX/XXXX the provisional credits on my account were reversed, charging back my account. I called and was told I was unreachable and they closed the disputes. I received 2 letters from PNC shortly after XXXX but that is all. No phone call, email, text, voice mail or message on my account. I also questioned why I was never asked anything on XX/XX/XXXX about the disputes when I called if there was information needed. No answer and oh well for you was the basic sentiment given. I reopened the disputes and asked when the credits will be applied since this is fraud and they are to protect me as a consumer with their bank. I was told no credits will be issued and I have to wait 45-90 days until the investigation is concluded to see if I will receive my money back. It was at that time I also noticed that one of the disputes I filed on XX/XX/XXXX didn't have a credit either. It was a new dispute at the time. The person couldn't answer and said, you will have to wait for that as well. This bank let someone use my money and is holding me responsible for it, is what their actions say. I have fraud protection on my account and they are not owning up to it, as they should as a financial institution. I was told that I can call the merchant and ask for the refunds myself since these purchases were not made by me. This is just criminal to me that a bank isn't protecting me from fraud on my account. | ||||||
| 08/14/2021 | Yes |
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| Friday, XX/XX/2021 Dear CFPB : This correspondence is in regards to my filing a complaint against PNC. PNC has revoked my online banking access and frozen my money to both of my PNC checking accounts without warning or reason. This has happened today, Friday, XX/XX/2021. I learn about the freeze when around XXXX EDT I tried ordering on XXXX. Its system says that my debit card was declined. I tried my other PNC debit card and the XXXX system produced the same result. I XXXX PNC Bank Help 3 times. I also left two XXXX direct messages. In addition, I called the XXXX number and was placed on a 1-hour hold TWICE! It took PNC two hours to reply to me via XXXX. Now the games began again. I promptly responded to PNCs direct message request only for the customer service representative to be non-responsive. I submitted screenshots of my online banking account revocation and my 1-hour hold phone log. PNC still as of XXXX EDT still is revoking my account without any reason. My Remedies I demand that all of my PNC bank accounts be restored Online banking access and debit card access restored All money in both PNC checking accounts restoredwithout XXXX XXXX missing My ability to dispute any funny charges on my account since PNC did not notify me of anything. I register for account alerts. It is myunderstanding that today, XX/XX/2021, I did not receive my alerts. A proper investigation and explanation into what happened to my account. The CFPB can contact me at either my email or my phone numbers. My email is XXXX. My cell is XXXX. My other phone is XXXX. Please help me. I have been suffering for 4 hours and PNC still is freezing my accounts for NO reason! Thanks. Sincerely, XXXX XXXX Enclosures | ||||||
| 02/14/2021 | Yes |
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| I noticed monthly fees were charged on my account since XX/XX/2019. I went to PNC branch located in XXXX XXXX XXXX XXXX spoke to the banking associate. I was told the monthly fee was charged because my account was not link properly. My current monthly total balance is over the requirement. She mentioned she will consult with the branch manager and have the manger give me a call back on the same day. I did not receive the call and contact the branch manager the next day. The branch manager was not aware of the call back request. After explaining the situation the branch manager escalated the issue to the retail management team. I just received the call from XXXX XXXX from the retail management team today. She explained to me that since my checking account was in the inactive status so it does not count toward the total balance. I further question if PNC ever notified me about the inactive status. She looked into the notification further and told me there was no notice ever send out to me. I do not agree that my account should be remove from the package if it is in the inactive status and this information was never disclosed. She agreed to refund 6 of the total 16 charges. The most recent charge was on the day i visit the branch trying to have the issue resolved. There system limitation cased my account to have another additional monthly charge when I am trying to resolve the issue. This clearly is an issue and I am sure there are more PNC consumers might be affective about this unfair practice. They are required to send me inactive notice per state requirement and can't cease accrual of any benefits which is not counting the balance toward the total requirement to avoid monthly fees. | ||||||
| 07/03/2019 | Yes |
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| The personal loan was originated in XX/XX/XXXX with maturity in XX/XX/XXXXwith 5.99 % APR if I had an auto payment from a PNC checking account. I usually transferred money from XXXX checking account into my PNC account prior to auto payment due date ( XXXX of the month ). In XX/XX/XXXX they started to charge my checking account at PNC and I was notified before however the payment from XXXX to PNC was not increased by me ( my fault ) and I got my first Not Sufficient Fund! I fixed that issue by changing my PNC checking account type. The payment was paid in full in XX/XX/XXXX without going any cycle past due. In XX/XX/XXXX the money was in transfer from XXXX to PNC checking ( the weekend is not counted for transfers ) when I got my second NSF! The payment was paid in full again after the fund transfer was completed. After that a series of issues started 1- PNC bank cancelled my auto payment plan 2- they increased my rate 25 basis points. After talking to two customer service specialists I was told by both of them, it should have happened after 3 NSF while I had 2 of them so it's wrong and they filed the rate dispute for me. Finally when I asked to talk to a manager he didn't even bothered to look into my account, credit bureau profile and payment history with PNC. He immediately started to say the decision has been made and there's no appealing process or complaining system in place. He mentioned it's a pure subjective decision making process to increase your rate whenever they feel it's needed not 3 NSF as previous agents mentioned. They training has huge flaws. He even couldn't answer my question about how he came up with this idea that my payment pattern is showing a risky pattern! | ||||||
| 06/01/2022 | Yes |
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| We bought our XXXX XXXX XXXX XXXX in XXXX and purchased the vehicle through a loan with PNC Bank. We immediately filled out the automatic payment withdrawal form so that the monthly payments would be withdrawn automatically from our bank account. We continued to make this monthly payment for the reminder of the loan up until XX/XX/XXXX. When unknown to us, PNC did not automatically withdraw the last car payment in the amount of {$500.00}. We counted on their automatic system of payment to withdraw all the payments until the total repayment of the loan. We have recently learned that our credit score has been dramatically impacted due to this situation. PNC Bank did not protect our credit score. We went back to look at the final statements and notice that there was hardly any change from the second to last payment to the last one which is why it was nearly impossible to know that we had to make the final payment in person as opposed to all the other XXXX payments. Despite never missing a payment, this has now put us at a financial disadvantage to remain credit worthy. After learning of this we immediately made the final payment on XX/XX/XXXX, and now owe no more payments but out credit score has taken a dramatic hit. I think this is truly unfair. There should be bigger fonts and notice that the last payment needs to be made by the person as opposed to all other payments. All the bill stated was " Final Payment. Congratulations! This is your final auto loan payment. Your title will be transferred to you once your final payment processes. '' Any normal person sees this bill and entrust that the final payment will simply be withdrawn like all other payments within the lifespan on the loan. | ||||||
| 06/01/2022 | Yes |
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| We bought our XXXX XXXX XXXX XXXX in XXXX and purchased the vehicle through a loan with PNC Bank. We immediately filled out the automatic payment withdrawal form so that the monthly payments would be withdrawn automatically from our bank account. We continued to make this monthly payment for the reminder of the loan up until XX/XX/XXXX. When unknown to us, PNC did not automatically withdraw the last car payment in the amount of {$500.00}. We counted on their automatic system of payment to withdraw all the payments until the total repayment of the loan. We have recently learned that our credit score has been dramatically impacted due to this situation. PNC Bank did not protect our credit score. We went back to look at the final statements and notice that there was hardly any change from the second to last payment to the last one which is why it was nearly impossible to know that we had to make the final payment in person as opposed to all the other XXXX payments. Despite never missing a payment, this has now put us at a financial disadvantage to remain credit worthy. After learning of this we immediately made the final payment on XX/XX/XXXX, and now owe no more payments but out credit score has taken a dramatic hit. I think this is truly unfair. There should be bigger fonts and notice that the last payment needs to be made by the person as opposed to all other payments. All the bill stated was " Final Payment. Congratulations! This is your final auto loan payment. Your title will be transferred to you once your final payment processes. '' Any normal person sees this bill and entrust that the final payment will simply be withdrawn like all other payments within the lifespan on the loan. | ||||||
| 02/16/2018 | Yes |
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| XX/XX/XXXX we closed on a Home Equity loan as a refinance of our original mortgage issued in XX/XX/XXXX. This Home Equity loan on XXXX XXXX XXXX XXXX PA XXXX, was for the total amount of {$230000.00}. It was written by PNC Bank Mortgage loan officer XXXX XXXX, out of the XXXX XXXX XXXX XXXX office ( I'm not completely certain that this was the branch he worked out of ). At the time, he told us that we were getting a 15 yr. mortgage. At no point did he inform us that we would have a balloon payment of {$160000.00} due at the end of 15 years. At no point in the 15 years that we had this loan did PNC communicate to us that this balloon payment would be coming due in XX/XX/XXXX. In fact, the only way we discovered this was through our online banking portal. The payment due changed on XX/XX/XXXX from the typical {$1300.00}. to {$160000.00}. THIS IS PREDATORY LENDING. We have faithfully made our payments for the past 15 years, and now PNC expects us to come with a lump sum of XXXX? We need to have the loan modified in a reasonable and affordable way. So far PNC has NOT cooperated, we applied for a refinance and were told we did not quality - due to income and debt requirements. We own a small business and have cash flow problems. But we HAVE always made our mortgage payments. When we inquired about our options at PNC were advised to let it go delinquent and then do a " work-out '' we do not want to go delinquent and have our credit ruined. This is inexcusable. Please require PNC, a multi-BILLION dollar company, to do the right thing and modify this egregious loan product that should have NEVER been issued, and should have come with many, many communications about its payment structure. | ||||||
| 02/14/2023 | Yes |
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| On XX/XX/XXXX I noticed there were two teller withdrawals one for XXXX and one for XXXX. I immediately called the bank and did not recognize the names on the checks. The customer rep acknowledged that these were white washed checks, with my information on it but didn't look like my checks. She immediately placed a stop payment on them. It took me two days to get an appointment with the branch manager to open a new account. I filed a dispute on XXXX I opened a new account with a little money in the old account for my pension to get in. I went to the police to file a report, got a case number and reported it to the bank on XX/XX/XXXX. On XX/XX/XXXX the check for XXXX was refunded to my account but not the check for XXXX which also had a stop payment on it. I called the bank and was told that the dispute would take 30 to 90 days to replace the XXXX. I called the bank repeatedly and was told that " this was their process '' even though that XXXX had a stop payment on it like the XXXX check. In addition, both checks were cashed at my bank up in XXXX. The teller never suspected obvious fraudulent checks. I filed an affadivit with the branch manager on XX/XX/XXXX and gave her a copy of the blank check with the number used on the XXXX check. I spoke to the police who said this was clearly a whitewash case and did not understand why I would have one check put back in but not the other. I called the fraud department numerous times and never received a call back. I called customer service MANY times and while they were sympathetic there was " nothing they could do. '' I would like my XXXX put back in my account now. I have been a long term customer and do not like the way I am being treated. | ||||||
| 03/02/2017 | Yes |
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| Went into the PNC bank on XXXX in XXXX on XX/XX/2017, put my card into the ATM went through the steps needed to make a withdrawal from my checking account. It let me complete every process to receive my {$600.00} withdrawal, gave me my receipt but did n't give me any money. Right then and there i told the branch manager and tellers what was going on. The first teller told me to give him a minute and he would assist me. A minute i did give him. After talking to him and filling him in on what was going on he called the branch manager who told me to dispute the transaction. That i did also. My whole thing was, another guy came and the same thing happened to him. Without question they immediately reimbursed the man his funds. If the machine was empty why would they still have it up and running and not have a sign on it. Or why would it let me complete all the steps instead of giving me the error message. I call them this morning to see if maybe they had balanced the machine and they said they have n't. I even asked if we could run cameras back to look at footage that shows me not receiving any funds. They even called in the woman who was " over the money in the ATM '' she simply refilled it and walked right past me to assist another person. They were n't any help and were so nonchalant. At one point in time they even acted as though they did n't see me sitting there in there lobby wanting help. Everyone basically keeps telling me to dispute it which could take time because i do n't really think that my financial institute even believes what happened and time is something that i do n't have. I have my receipt and it says i made a withdrawal from the ATM but they still were n't any help. | ||||||
| 08/26/2021 | Yes |
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| I am the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. In XXXX of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time. We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven. | ||||||
| 08/13/2018 | Yes |
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| Hello, Sorry to bother you with this but I see no other choice, being a consumer fighting a big bank with departments to defend themselves, but to file complaints against my current bank for additional insurance charges that are not warranted and was never asked for. I have a loan that begin in XX/XX/2003 for an apartment/condo in XXXX. I'm the president of the condo board. Back about 7 years ago they wanted insurance that covered the wall studs in, which I provided although PNC Bank actual charged me but reverse it after I argued that I already had insurance covering that. Now they are claiming some other bogus claim that I do not have this or that insurance. First they claimed they never received my insurance coverage proof then once they got that they came up this claim that if I turn the building upside down it covers that. What? I did some research on this years ago and banks like PNC and XXXX XXXX were being sued for forcing mortgagees to buy insurance from companies that they either owned or had some affiliation to. So, if my bank which I signed an agreement with back in XX/XX/2003 decides that I need some type of insurance that they decide it should be enforceable? This sounds very corrupt and sets a bad precedence going forward. I would appreciate if you can notify them to stop trying to come up with created ways to charge me and others insurance so one of their affiliates can make money. I fully understand my insurance coverage and this is not justified and seems illegal. This is not my first run-in with PNC where they did everything to prevent me from refinancing my existing loan with them at a lower rate. Thank you for your time. Sincerely, XXXX XXXX XXXX Loan # XXXX | ||||||
| 11/20/2019 | Yes |
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| On XX/XX/2019, I ordered, through PNC 's online banking service, a check payment of {$8000.00} from PNC bank to XXXX to settle a car accident. I typed in correctly the check address to the third-party settlement company and made the check payable to XXXX in the online payment system. Upon finishing the instruction, the online payment system highlighted only web payment option and had no paper check option. So I went through the web payment option. XXXX and their settlement company informed me the money was never received. To resolve the issue, I have : 1. Contacted XXXX, but XXXX asked me to instruct them where the money was sent to for them to locate the money. I was not given the information from PNC. 2. Contacted PNC bank, but PNC informed me that their online system was outsourced to a third-party, XXXX and referred me to them. But XXXX refused to interact with individual customers and would only work with institutions. 4. Disputed the payment through PNC Bank. PNC Bank contacted XXXX, XXXX refused to engage, and PNC Bank closed the dispute. 5. PNC confirmed the money was sent out through web payment to XXXX and asked if I was paying to XXXX from XXXX XXXX online payment system. I told PNC Bank that I am not a customer of XXXX, have no way to use their regular payment system, and have no idea where the {$8000.00} was sent. From interacting with branch managers of PNC, a plausible scenario of what actually happened may have been this : 1. I ordered a payment with the recipient name being XXXX 2. The outsourced payment system hardcoded payments to XXXX through their insurance payment interface 3. The money was sent to one of the generic XXXX insurance payment interface | ||||||
| 06/01/2019 | Yes |
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| On dates listed below XXXX, XXXX and XX/XX/XXXX I disputed charges on my bank account. The amounts were {$110.00}, {$250.00}, {$390.00}, XXXX, and {$32.00}. My bank denied all of my disputes stating they were valid which is a lie. I paid these consumers with other means so its like the consumer has my money twice. I dont have the documentation due to my Mother has XXXX and Im traveling back and forth to help her and so Im basically living out of a suitcase. I explained this over and over to my branch, and over the phone numerous times. I check my account and on XX/XX/XXXX I notice Im in the negative for the following amounts of provisional credit being reversed {$27.00}, XXXX, {$70.00}, {$150.00}, {$220.00}, {$300.00}, and {$450.00}. I get no notice in the mail of why these credits were reversed! Then I received letters in the mail stating that on XX/XX/XXXX my bank was going to reverse the provisional credits they gave me due to my claim being denied. But no explanation of the denial and also I kept getting miscommunication that the fraud department never received my disputes from the branch. Those amounts are as followed ; {$120.00}, {$60.00}, {$200.00}, {$55.00}, {$110.00}, and {$83.00}. This has caused my account to go severely in the negative. I deposited between the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX over {$900.00} back into my account to try to get the account back in the positive. This whole ordeal has caused me mental and emotional distress. And I believe that Im entitled to receiving back at least my {$900.00} that I deposited to try to put the account back in the positive. Pnc Bank has been the worst and the most unprofessional bank I have ever dealt with. | ||||||
| 07/26/2023 | Yes |
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| I am XXXX and have an account at PNC Bank. I didn't choose this bank, but BBVA Bank migrated my checking and mortgage accounts. In XXXX of this year, I sold my residence in Florida and I am sending money from PNC Bank XXXX XXXX XXXX in XXXX. Out of the XXXX transactions I made, I succeeded only in the first XXXX. For the second one, I requested a refund to my account, and for the last XXXX XXXX and XXXX XXXX, I have been relentlessly trying to resolve the PNC Bank 's error. I have a joint account with my brother, who doesn't have a login or password and has never accessed the bank. I take care of the finances, and only I have access. For the last XXXX transactions, I requested the transfer in my name as the sender to my account in XXXX ( XXXX ). The simple receipt from PNC Bank states that I am the sender. However, at the time of the transaction, the document that arrives in XXXX shows my brother 's name as the sender. This prevents me from converting dollars to XXXX under the same ownership. To receive this money, I would have to declare it as a gift from my brother to me. This is not correct and would imply more taxes. So, the foreign exchange department of the bank in XXXX asked me to request a " XXXX XXXX '' amendment from PNC Bank. This is a simple document that would solve my problem. I have been asking the bank for help since XX/XX/XXXX. In fact, I pleaded for help because I need this money to pay for XXXX. What I received was XXXX email per day, just stalling, asking XXXX question per day. Today, they responded that they unfortunately can't help me. I just need them to please send a document stating that I was the sender. Could you please intervene on my behalf? | ||||||
| 10/14/2015 | Yes |
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| ok, in XXXX 2015 i got a pnc bank credit card. the paperwork said spend XXXX dollars in the 1st 3 months and get XXXX dollars cash back. on XXXX XXXX at XXXX a XXXX said yes you will be getting your money. so on XXXX XXXX i spoke to XXXX. sounded like a reasonable man. he said theres been an error, you need to spen XXXX dollars to get your bonus. he said ill give you till XXXX XXXX to spend it. he also said you only need to spen XXXX more dollars to reach that mark. well before XXXX XXXX, 2015 i spent XXXX dollars, meeting the criteria neccasasry. i called on XXXX XXXX, 2015 and spoke to a woman, name unknown, she said yes call back on XXXX XXXX, 2015 that will be 60 days/2 billing cycles from XXXX XXXX and you will get your XXXX dollars cash back. thank you i said. so i did call on XXXX XXXX at XXXX XXXX to be exact. he gave me a complaint number. that number is XXXX i was contacted via phone by a XXXX, last name didnt get he said ill call you again after an investigation has been done. his last reply was friday XXXX XXXX almost XXXX XXXX. he said im sorry to tell you you didnt meet the qualifications to get your XXXX dollars. i said the occ will be contacting you. the occ turned me over to you the cfpb. a woman, XXXX called monday with a v-mail. not an answer. ok XXXX number is XXXX XXXX number is XXXX did i mention on XXXX XXXX, 2015 a woman XXXX at pnc also said yes you will be getting your money. pncs mailing adrress is pnc bank XXXX XXXX XXXX, XXXX, XXXX, XXXX another pnc number is XXXX thats preety much all i have. i also have XXXX XXXX dollar credit. so i want a check mailed to me for XXXX dollars to XXXX XXXX XXXX XXXX, XXXX XXXX thanks for your help in this matter. | ||||||
| 06/25/2022 | Yes |
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| Someone somehow got into my phone using the SIM card, and sent two sums of money to someone named XXXX XXXX, one transaction was {$150.00} and one was {$170.00}. PNC Bank has refused to refund my money because I had also disputed a transaction back in XXXX for I believe two XXXX transactions. The first time I called after they declined my refund I was told it was because the transactions were over 60 days old, and the ones in XXXX were so okay thats fine, however the {$150.00} dispute was filed on XX/XX/2022 and transaction took place on on XX/XX/2022 and {$170.00} happened on XX/XX/2022 and was disputed on XX/XX/2022. So PNC initially tried to say they were 60 days old, I was placed on hold for 45 minutes and nobody ever came back to the phone, so I called back only to get the an explanation of because I caught the XXXX ones after I caught the XXXX and XXXX ones that they werent giving any of it back. I went back through my statements after I caught the two {$150.00} and {$170.00} because they prompted me to check. PNC bank has caused my account to go negative with this because they took back the {$320.00} provisional credit when they werent supposed to. In addition to that, when I disputed them the second time, they declined me again, however if I didnt receive any info within XXXX business days I was supposed to receive another provisional credit. Over XXXX business days went by with no credit. Also I was supposed to receive a call back from the dispute department and still havent, its been almost XXXX hours and they said Id be called in XXXX. This is unbelievable, Ive got other transactions that I need to dispute with them but I dont feel confident Ill recover my funds. | ||||||
| 07/05/2018 | Yes |
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| My mortgage was discharged in a chapter XXXX Bankruptcy.I have 2 specific issues 1-PNC sent collection letters after the discharge of the debt.I am attaching collection letters fromXX/XX/XXXX andXX/XX/XXXX ( pages marked 1 and 2 of attachment ) the .They are saying the payment is " past due '' and that they " may report information about this account to the credit bureaus '' they threaten that " this default may be reflected in your credit report.They have a right to enforce their security intrest and nothing more. '' They cant do any of this as the debt was discharged in Bankruptcy and they are violating the bankruptcy injunction and the Fair Debt Collection Practices Act repetitively. This also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to take any action that can not legally be taken '' is a violation. They cant report this to the credit bureau, nor did they intend to but they did threaten to do it. 2-PNC sent an illegal cure notice. ( page 7 ) this default notice gives a 30 day notice and was sent regular mail.Each of these are in violation of Massachusetts General law.Please see page 3 and 4 outlining requirements for default notification for " certain mortgage loans '' and this loan having been an interest only loan for 10 years is a " certain mortgage loan '' The cure notice has to be 90 days from the default and cant be delivered regular mail. There are many, many more violations of the FDCPA by PNC, they are especially sloppy when it comes to dealing with bankruptcies in loss mitigationThey do what they want without regard to CFPB regulations or collection laws.. | ||||||
| 05/08/2023 | Yes |
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| PNC Bank OWES Me. CFPB Complaint # 's XXXX and XXXX and now this 3rd Complain on PNC. # 1-PNC Allowed Fraud on both my accounts, checking and credit. # 2-PNC did not honor A Stop payment I asked them to Not Pay. # 3-PNC Did Not Honor All the Disputes I Had to File Because of the Fraud. # 4-PNC Says It did Nothing wrong and expects Me to Pay Back {$2000.00} Plus, more dollars to satisfy recoveries. With all the fees, all the disputes, the {$700.00} stop payment. The balance would put money back into my new bank account. And that's why I am now filing this third complaint against PNC bank. Because PNC Recoveries just called me asking for {$2200.00}. The CFPB did not seem to help me with the case, because of the resolution. Because PNC bank was not held responsible for their errors in banking. Errors in allowing Fraud and errors in not honoring banking processes. From The 1st complaint to the 5th complaint there has been zero dollars returned. Complaint # 's 1 & 2 & 5 are complaints against financial institutions. All 3 closed with nothing done wrong or true complaint and zero returned to me. Complaint # 3 against the XXXX XXXX XXXX XXXX. Closed with nothing returned to me. Call Them Yourself Sir. Complaint # 4 against XXXX XXXX XXXXXXXX. Closed for me and without my knowledge. So, this complaint is against PNC. Not The CFPB. I was only reporting what has happened with my complaints at the CFPB. I hope that the CFPB Stops PNC bank from asking me for money and or collecting any more money from me and anyone else. Because of the banks own negligence. I hope that this CFPB process keeps improving and turns into a benefit for me. Thank You CFPB. XXXX XXXX | ||||||
| 08/16/2019 | Yes |
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| Today XX/XX/2019 at XXXX XXXX I spoke with a gentlemen from the PNC Bank Escalations Department. He called me because of a complaint that I had done regarding my previous disputes. I told him about me being the victim of Identity theft and that there were ACH withdrawals made from an unauthorized creditor. My mailbox was broken into on several occasions and someone took my account information and social security number and has been using it to open up credit accounts and other bank accounts. As well they have been using my PNC Bank accounts to pay bills with those creditors. I have had to get a police report and an FTC Affidavit to help me fight these account and to dispute the withdrawals on my three PNC Bank Accounts. I was told to go to a branch and open up a new Virtual Account and get a new debit card and to then dispute all the withdrawals. So I went to the PNC Branch in XXXX, NJ inside a XXXX & XXXX after work and basically it was a complete waste of time. The ladies told me that they could not help me with the disputes because my account was negative and they would not be able to open me up new accounts because my account is compromised right now because it is negative and that the direct deposit I get will be used to cover the negative balance. The account is negative because of all the reversal of provisional credits and the withdrawals. They also stated that there was no information left from the Escalations Department stating that I was a victim of identity theft. You know what I just need some help please. I have attached the ACH withdrawals that I want to dispute, the police report and the FTC Affidavit. Please help me to get my money returned. Thats it. | ||||||
| 09/26/2017 | Yes |
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| In XXXX XXXX We obtained a conventional 30 year mortgage from PNC Bank As we did not have enough down we were required to add Private Mortgage insurance ( PMI ) to our loan In XXXX of XXXX we reached out to our loan officer at PNC XXXX XXXX who said the PMI would end in XXXX of XXXX automatically or we could pay Pnc XXXX to have their appraiser reevaluate the homes value See Next XXXX XXXX So I tracked down your loan, etc. Your PMI is scheduled to go away this XXXX. Here is a copy of the disclosure you signed and the instructions required to get it taken away. I know how much you loathe, I mean LOVE details. Anyway. In XXXX if you do n't feel like reading this attachment, call me and I 'll help you with it. I know you 've got nothing but time on your hands in XXXX ( ha ha ha ). XXXX XXXX PNC As the PMI payment of XXXX for 5 months would equal the XXXX appraisal fee we elected to wait until XXXX for it to end In XXXX I reached out to XXXX XXXX as we were still being charged the PMI and received the following e mail So I checked on this, and now it appears that the PMI will fall away on the XXXX payment, a nice XXXX present, and that you should get a letter in the mail advising such. IF you dont get such a letter, let me know. Doing it this way doesnt cost you anything. But according to XXXX your home is now worth about $ 650k. So you are in great shape. I asked about why we thought it was supposed to come away in XXXX and the service person couldnt answer that. Let me know if I can do anything else. XXXX XXXX PNC If I had known in XXXX that the PMI was being charged for another year I would have paid the XXXX appraisal fee PNC has pulled a bait and switch on me | ||||||
| 05/08/2023 | Yes |
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| Made {$400.00} payment due XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment was posted the following Monday, XXXX XXXX XXXX. PNC Bank did not apply the XXXX XXXX XXXX {$400.00} monthly mortgage payment for the XXXX XX/XX/2023 payment due. PNC Bank sent statement showing XXXX XXXX XXXX payment received but not applied to XX/XX/2023 payment that was due. Found statement on PNC Bank mortgage XX/XX/2023 statement : " In XX/XX/2023, the Prepaid Funds Functionality for your account will be discontinued. Prepaid Funds will no longer satisfy any or all of a Regular Monthly Payment due. As of XX/XX/2023, a payment will be required every month. Any amount that exceed your minimum payment due will be applied pursuant to the terms of your loan agreement. '' Note that despite having made the payment in the month in which it was due, PNC Bank did not properly apply the payment to the account. XXXX XXXX XXXX met with XXXX XXXX at XXXX XXXX PNC Bank branch. XXXX XXXX called someone and spoke with them about this issue. XXXX XXXX informed me that they would research the problem on Monday or Tuesday, and that if I did not hear from her by the following Thursday I was to call her. Not having heard anything, I called and spoke with XXXX on Thursday, XXXX XXXX XXXX XXXX called later and left a voice mail message, saying, " They re-applied the payment. So, the letter I got in the mail just crossed in the mail. You are absolutely fine. '' Tuesday, XXXX XXXX XXXX or Tuesday, XXXX XX/XX/2023 received a call from PNC Payment Options but they hung up when I answered. XXXX XX/XX/2023 received a collections notice from PNC Bank claiming that the XXXX XXXX XXXX mortgage payment was not made. | ||||||
| 07/12/2015 | Yes |
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| I called the bank who holds my second mortgage/home equity loan, before the payments were to go up from XXXX to XXXX per month. I called on XXXX XXXX, 2015 to modify my loan payment, which they say was to expire on XXXX XXXX. Today, it is XXXX XXXX and they still have not modified my loan. They are asking me to sign documents which they say are original loan papers. After four months of negotiations, and having never missed a payment, I have n't any modification. Why do they threaten me that if I do not sign these loan papers, that they will not give me a loan modification? They also threaten that if I do not sign quickly, I will have to begin applying for a loan modification all over again. I ask them why they threaten me with this every month since XXXX? They do not answer this. I am a victim of bank greed and I need your help. I am also wondering if I am victimized because I am an XXXX. I see that the courts ruled that National City ( my original lender ) was discriminatory to XXXX and XXXX. How about registered XXXX? My payment increased 255 %, and my paycheck did NOT increase that much, but my husband did lose his job and we had to begin all over again. The economic downturn was caused by the banks and I tire of them preying on me, and all Americans, regardless of their culture or race. One more point : PNC was only able to buy NatCity because the US treasury gave them the money. Taxpayers money. Our money. My money. So, should n't I own a piece of PNC? I would be happy to give myself a modification. I am a good tax-paying person, who has never missed a payment. I have been treading water for eight long years now. I do not want to lose my house. Please help me. | ||||||
| 06/22/2020 | Yes |
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| XX/XX/20 - A fraudulent XXXX account was set up from mine and my sons account and there was a transfer to XXXX XXXX for {$980.00}. PNC told me that this was initially denied and someone called in to find out why and they were verified and it was approved. XX/XX/20 - There were several other fraudulent transactions at stores that were all refunded back after submitting a fraud dispute at my local branch. XX/XX/20 - Submitted an escalation request at my local branch because the {$980.00} was not refunded. XXXX said that the transaction was verified. XX/XX/20 - Spoke to XXXX XXXX with PNC and she was going to get more details on the transaction. XX/XX/20 - Spoke to XXXX with PNC as I hadn't heard from XXXX. He did tell me that the account for XXXX XXXX was flagged as fraudulent and he said I should submit a dispute with XXXX and he transferred me to XXXX. XX/XX/20 - XXXX said that I can not submit a dispute with them, only through PNC. XX/XX/20 - Left message for XXXX. XX/XX/20 - XXXX called back and asked that my son call for her to do a voice comparison with the recording of the verification. My son called her 3 times and left messages and she never returned his call. XX/XX/20 - Spoke to XXXX with PNC and he put in for another escalation. XX/XX/20 - Spoke to XXXX with PNC and he verified that it was my son 's phone number that must have been spoofed to gain the approval for the transaction. I have asked several times to get a copy of the phone call that was received to verify the transaction and was told that I will need to subpoena them for the records. I emailed XXXX back in XXXX to ask where to send the subpoena and hadn't heard anything back from him. | ||||||
| 12/20/2015 | Yes |
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| On XXXX XXXX 2015 I applied for a mortgage with PNC bank. At that time I explained to the mortgage broker XXXX XXXX that I was in a chapter XXXX bankruptcy more then 2 years ago. He explained under the rules to secure a VA home loan the bankruptcy timeline is 12 months for chapter XXXX and 24 months for chapter XXXX. This information is Identical to what Ive been told by other banks as well. Secondly I also explained that I 've been offered other loans at a interest rate of about XXXX and was looking for a better rate. He said with PNC I would be looking at rate of bout XXXX and PNC would cover the closing cost which would allow me to secure loan without any closing cost or down payments. Based on this information I said go ahead and run my credit. After he ran my credit he sent a pre-qualification letter at XXXX and a interest of XXXX. I sent in all the requested personal and private documents as requested. I then proceeded to shop for a home and eventually signed a contract. About a week later I contacted XXXX about the loan status and he explained the loan was denied. My point problem is that XXXX mis-represented his ability to secure a loan and PNC bank is advertising its ability to secure VA home loans and not following the guidelines when it come to past bankruptcy, debt to income ratio and credit score. Secondly the underwriter is unaware that non taxable income should be listed at 125 % when it come to DTI ratio for mortgage loans and in my case a XXXX loan would be ok. Finally PNC penalize me for shopping for a car loan and mortgage loans and as I understand the rules mortgage loans and car loans completed withing 30 days should be treated as XXXX inquiry. | ||||||
| 01/20/2022 | Yes |
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Web | Older American |
| My complaint involves actions by and between XXXX and PNCBank, where I have two checking accounts and a savings account. I have never given XXXX my banking credentials nor authorized them to deposit or withdraw funds from any of my accounts. XXXX provided a credit to my account at PNCBank and later reversed the credit. I saw the transaction of the {$60.00}. credit listed in the transactions column online near the time I called into XXXX to complain of having overpaid them, around XX/XX/2021. I was promised a credit via phone and did witness the {$60.00}. having been credited to the account soon after phone conversation. Later, I noticed the credit was no longer there, but that my bill pay to XXXX had been reversed of {$69.00}. PNCBank denies that a credit of {$60.00} was ever made by XXXX. I believe that PNCBank and XXXX have an arrangement where XXXX has been granted permission to violate my privacy. This is the second time I have had this issue come to my attention. Previously, XXXX went into my bill pay account and changed the dates of my payments to coordinate with their preferences. I called PNCBank and complained and removed XXXX e-bill status. Again, I have never given XXXX my checking account credentials, I have exclusively used bill pay with autopay to send an electronic check to them. I believe PNCBank is very remiss in accommodating the wishes of the vendor over the customer, compromising the privacy and integrity of a customer 's account giving unauthorized access to my account to XXXX. PNCBank XXXX XXXX today has fully cooperated with PNCBank policy to erase its transactional history and lie to me the customer of the existence of the {$60.00}. credit. | ||||||
| 03/25/2021 | Yes |
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| On XX/XX/2021, I applied for an online checking account at PNC with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that PNC would not open a checking account because of information from XXXX XXXXXX/XX/XXXX I attached the notice to this complaint. On XX/XX/2021, I contacted XXXX XXXX XXXX to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. XXXX XXXX XX/XX/XXXX could not help me fix the problem. On XX/XX/2021, I called PNC Bank to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX. Applying for a checking account has never been an issue and this is the first time I was denied. | ||||||
| 01/09/2020 | Yes |
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| In XX/XX/2019, we contacted PNC Bank to inquire about refinancing our home mortgage. The loan officer, XXXX XXXX, assisted us with the application. During the process we questioned Mr. XXXX regarding the need for an appraisal ( an additional {$910.00} free ), since the loan amount was less than 50 % of the value of our home and we had been advised by other lenders, that it wasnt necessary under those circumstances. There were errors and omissions on the first application, dated XX/XX/2019, so we contacted Mr. XXXX and asked him to make the corrections. Again, we questioned Mr. XXXX regarding the need for an appraisal informing him that the two other mortgage lenders we had contacted told us that an appraisal would not be necessary. Mr. XXXX continued to insisted that an appraisal was necessary. On XX/XX/2019, we agreed to pay the appraisal fee after Mr. XXXX proposed that PNC would refund {$500.00} when the loan was completed. On XX/XX/2019, we were contacted by XXXX XXXX, regarding the errors and omissions on the loan application. He assured us that the errors would be corrected and that the omission of my wifes federal pension ( {$2200.00} ) would be included. We also questioned Mr. XXXX about the PNC Bank requirement for an appraisal. After speaking with Mr. XXXX, some corrections to the application were later made, while others were not. The most important omission, the federal pension income was added, but the problem of transposing my wifes and my phone numbers was not. This meant that each time we tried to use XXXX we had to exchange phones. Another error, the over estimated that value of our home, was not changed even after we made the request to do so. | ||||||
| 10/24/2018 | Yes |
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| My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. For this I demand a full refund of {$610.00}. | ||||||
| 01/26/2017 | Yes |
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| On XX/XX/2017, I deposited into my PNC checking account, via the PNC ATM at the XXXX XXXX XXXX, XXXX XXXX PA branch of PNC, a U.S. Treasury check made out to myself and my husband. This check was properly endorsed by both myself and my husband, and the address on the front of the check under our names matched the address of my checking account on record with PNC. I received a copy of my receipt with the deposit. Two days later, XX/XX/2017, I checked my PNC account online. It showed that the funds from the check had been deducted from my account and the check was listed as " Unpresentable. '' The representative at the branch office, with whom I just spoke, said " Unpresentable '' in this case meant that both myself and my husband had to present ourselves in person in order to deposit this check - and that the only checks she had seen this happen with were US Treasury checks! The check ( or the legal facsimile of it ) would by mailed back to me via USPS, untracked, adding additional days to the process of re-gaining access to it. PNC has issued no security alert, no email or website or statement warning, to its customers regarding its new " policy '' - indeed the PNC employee with whom I spoke did not know of a written version of this " policy. '' Despite having my phone # and email address ( and contacting me for all manner of other things ) PNC did not contact me about this action it took ( removing the funds after accepting the legally endorsed check ) - it is only because I happened to check my account online that I even knew what PNC had done. If PNC is going to have different rules for US Treasury check deposits it MUST PUBLISH THEM AND ALERT ITS CUSTOMERS. | ||||||
| 06/26/2021 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, my bank froze my accounts. There was a positive balance of {$23000.00}. I was locked out of my bank and all of my money until XX/XX/XXXX. I lost my home and my car. My husband died riding a bike to work, because we couldnt afford a car. The XXXX distributed {$4000.00} out of a {$26000.00} loan. The other {$22000.00} was blocked/denied and my loan was terminated. When I got control back of my bank, it had only {$2700.00} in it. I was told that the money in the bank went back to the original depositor. That is not true. My son ( just turned XXXX ) and my father got their paychecks deposited into my bank. They never got their money returned and neither did I. The depositor verified this on 4 occasions. I am paying money on {$12000.00} I never got, as is my son and my father. PNC bank has told me numerous lies about law enforcement having a hold on my money, when in fact, they did not. So, to sum it up. Me, my son and my father are all paying back money that PNC took from me. They didnt send it back to the depositor. They did not call to ask me any questions about my account before they cut me off of my money and took everything I held dear. There was NO correspondence from XX/XX/XXXX until XX/XX/XXXX. There should be upward of XXXX in my account. Thats just what I can count. The statements I always had online have been removed and online access has been blocked. One teller told me that PNC tried to return it, but it came back in XXXX and they blocked that deposit also. This bank destroyed my life and had an attitude while doing it. I have multiple recordings of them lying to me back and forth when I have called, as I recorded each call. | ||||||
| 07/12/2017 | Yes |
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Web | Servicemember |
| Hello XXXX XXXX, It has been over 4 months since I replied to your email request for my phone number. This is the same treatment I received previously from PNC Mortgages XXXX XXXX. Excuses of not receiving phone calls, emails and most shockingly documents. I am astounded how PNC is able to stay in business if this treatment is standard behavior. The financial devastation caused by PNC keeping me on the hook for over 16 months with the promise of a first mortgage in order to continue to cover my Moms caregivers costs on a fully collateralized loan has not gone away. I did everything that was asked of me, creation of documents, all the documentation required for a first mortgage sometimes twice because documents were mysteriously disappearing or I was told they were never received and two appraisals within a 12 month period. The unethical practice by PNC has financially compromised two lives. The professionally responsible action on PNCs part would have been to answer my many questions regarding PNCs ability to close on a loan. But no, I was continually assured that PNC was going close on the loan. Had Id been treated with respect and honesty I would have made arrangements sooner to move my Mom to an XXXX XXXX not incurring expensive 24/7 at XXXX XXXX costs waiting for a loan that PNC never intended to close. How do you people look yourselves in the mirror each morning. I cant be the only customer this has happened to. The only fair action on PNCs part at this time would be to pay {$250000.00}. to cover debut costs, appraisal costs and lost wages. I look forward to hearing back from you. XXXX XXXX XXXX cc : Consumer Financial Protection Bureau case # XXXX | ||||||
| 11/20/2015 | Yes |
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| My loan was sold earlier this year from XXXX XXXX to PNC Mortgage, ( I have also had home loans with XXXX XXXX and XXXX in the past 5 years. ) and within 3 months of purchasing my loan, PNC Mortgage gave me notice in the mail that my premium ( 30 year fixed HUD Foreclosure ) was going from $ XXXX/month to {$920.00} because my escrow account had a shortage. My escrow account has never had a shortage, and when I called PNC the manager I spoke with even admitted my payments from the previous year ( XX/XX/XXXX ) were identical to this current year- yet she still said it was their right to change my premium ( although in the last 5 years on either XXXX of my homes, the premium never changed from my purchase price ). Now I received a letter in the mail from PNC Mortgage today stating that my premium was going to increase yet again from {$920.00} to {$940.00} starting XXXX/XXXX/XXXX. They must be stopped!!! This is n't right- I do not want them to touch my mortgage ever again- I want my mortgage switched to another lender immediately. I did not choose them, and they are hurting me and my family. I downsized from a XXXX square foot home built in XX/XX/XXXX and bought this home which is XXXX sq ft built in XX/XX/XXXX so I could lower my monthly premium fro {$1100.00} to less than $ XXXX/MONTH ... which I did. Now they are going to drive my payment back up to the range I had to avoid to survive- I did nothing wrong ... I 'm a single father of XXXX yr old twins who ca n't afford this to happen to him. This is n't constitutionally right that they can do this, and I have no say so who my lender is if they are practicing like this. Please help me before they break my family! | ||||||
| 08/15/2022 | Yes |
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| My car loan was transferred from BBVA compass to PNC bank and has been nothing but a nightmare since the transfer. When it was transferred they had wrong phone number and address for me and never tried to contact me. Then my vehicle was repossessed since I didn't know the bank that took over the loan. I paid close to XXXX dollars to get it out of repossession then they told me the loan was charged off in XXXX. Why I still don't know why it was charged off. Then I was told I would get statements and to be watching for a statement and I never got one. So in XXXX I called and they told me I owed XXXX dollars so I paid it because they stated I overpaid when I got my car out of repossession even though I paid the amount due. Then in XXXX never got a statement again and when I called XX/XX/XXXX they told me I owed XXXX dollar because I underpaid in XXXX. When I told them I didn't have the funds to pay three months worth of payments and that it didn't make sense why I owe that much. They had it escalated and escalations is lying and stating they have attempted to call me yet I have no missed calls or messages and are closing out my complaints. Then today I finally got ahold of escalations department after refusing to hang up until it was resolved and spending three hours on the phone. Their XXXX page is filled with complaints similar to mine on how they treat their customers and how they are dealing with them. They keep giving me the run around and are messing with my life and mental health as I am a single mom and refuse to work with me or help me come up with solutions. They give me different information every time I call in and none of them are on the same page. | ||||||
| 10/20/2023 | Yes |
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| PNC Bank is not reporting my loan information accurately or fairly monthly to the credit bureaus. I took out a small personal loan of {$2500.00} on XX/XX/23 and my payment due date began the following month on the XXXX of every month. I made a payment early at the end of XXXX the same month I took out the loan and PNC Bank reported my balance not after my due date of the XXXX at the end of the month - reporting the balance to the bureaus well before my XXXX due date, reporting to the bureaus on the XXXX, XXXX, and XXXX of the month after all the interest has re-accrued for the month and before my payment due date on the XXXX. What it does is make my balance appear more than it is and it does not include my payment. Latest example, on the early morning of XX/XX/23, I paid XXXX Bank {$230.00}. My required monthly payment is {$100.00} on the XXXX. They reported to XXXX on XX/XX/23 that my balance was {$2000.00} when I had made a payment early on XX/XX/23 of {$230.00} bringing the balance to {$1800.00}. That harms my XXXX XXXX and is unfair and inaccurate in reporting. I filed a complaint and asked PNC to report to the bureaus shortly after my due date ( normally a few days afterward ) before the nearly XXXX weeks of interest reaccrues by the time they report on the XXXX, XXXX or XXXX. Dates matter, just as my payment due date matters in accurate reporting. PNC only gathered information to say they will not alter the reporting dates. This adds insult to injury because my XXXX XXXX was XXXX with a Very Good rating, yet the unjust interest rate they charged me was 30 %. Now they are reporting prematurely and unfairly. I am requesting help in resolving this matter. | ||||||
| 04/01/2022 | Yes |
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Web | Servicemember |
| PNC, my HELOC lender has fraud me of undue interest caused by thier mismanagement of principle payments to my HELOC. I Made very clear, specific principle payments on XX/XX/XXXX and XX/XX/XXXX for XXXX and XXXX during tax year XXXX. In had multiple conversations with PNC to ensure the payments posted correctly and even a follow up call to ensure the autopayments continued on shedule. The auto withdraw payment posted on XXXX XX/XX/XXXX on shedule. I made another principle payment on XX/XX/XXXX for XXXX when I found out they had stopped making the auto withdrawal payments after XXXX XX/XX/XXXX. The account information says clearly '' principle payment '' versus the normal automatic monthly withdrawal " payment '' of principle and interest. {$380.00} I Recieved the ending of year HELOC tax statement for XXXXand realized something was wrong. PNC mis applied the principle payments as payment advances and stopped drawing the auto payment. This cost me considerable interest from XX/XX/XXXX when they made the error. I requested reconciliation of the account and compensation of the interest paid. It was escalated to their service department and they notified me verbialy today, XXXX XX/XX/XXXX thier system can not correct the error and they refuse to do anything to correct the error. I need the load recalculated with the correction in the payments applied as they should have been to determine the credit in interest paid. They refuse and would not put in writing their decision or acknowledge their fault, even though the account statements are worded correct. The posted actions are not. One autopayment was made after the principle payment, then they stopped. | ||||||
| 02/16/2021 | Yes |
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| I opened a PNC account on XXXX/XXXX/2020. Part of my account opening included a promotional bonus of {$300.00}. I met the requirements to earn a bonus and was paid the bonus of {$300.00} on XX/XX/XXXX. Part of the promotional fine print states " The value of the reward may be reported on Internal Revenue Service ( IRS ) Form 1099, and may be considered taxable income to you. '' I have not received a 1099-INT as of today ( XX/XX/XXXX ). PNC 's automated messaging when calling their customer service phone number ( XXXX ) states that 1099-INT forms were sent by XX/XX/XXXX and to allow 10 business days to receive that form. Today is 11 business days, so we are now 1 business day beyond PNC 's own timeline. I called customer service on Friday XX/XX/XXXX and the person who I spoke with was not helpful and gave me a number to call to a department that said they couldn't help me ( XXXX ). I called again today to their customer service phone number and the customer service agent, XXXX, told me that the system only shows that I received {$.00} of interest in 2020. She also confirmed that I received a bonus in the amount of {$300.00} on XX/XX/XXXX. PNC 's system should recognize that as interest. I requested a duplicate 1099-INT which is supposed to arrive in 15 business days or less. I'm submitting this complaint because I do not want to wait 15 business days as I should have received the 1099-INT. I also am concerned that PNC Bank is not recognizing the total interest that I was paid in 2020 and never sent me a 1099-INT. PNC needs to send me a 1099-INT if they have not. If their system is wrong, then they need to fix that and send me a 1099-INT as soon as possible. | ||||||
| 09/01/2022 | Yes |
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| We opened a HELOC with BBVA on XX/XX/XXXX. XXXX contractually agreed to pay the closing costs on our loan as a " special offer. '' Under the terms of the contract if we closed our loan within 2 years, we would have to pay back the closing costs as an " early closure fee '' unless we closed the loan due to the sale of the property that secured the loan ( our house ). The BBVA agent, XXXX XXXX, also assured us verbally during our closing that we would not have to pay this fee if we closed the loan due to the sale of the property. In XX/XX/XXXX, BBVA bank was bought by PNC Bank and PNC assumed our HELOC and the underlying contractural terms. We are now in contract to sell the property, scheduled to close on XX/XX/XXXX, and our escrow agent requested a demand pay off from PNC. PNC included this " early closure fee '' of {$1600.00} in the pay off amount. On XX/XX/XXXX, I called PNC to inform them that we do not have to pay this " early closure fee '' because the pay off and closure of the HELOC is due to the sale of the property, and, pursuant to the terms of the contract, we do not owe this {$1600.00}. PNC refused to remove this fee from the payoff amount. I explained that we are not contractually obligated to pay it and provided them the sections of the contract to review. After several hours on hold and waiting for call backs from supervisors, they still refuse to remove this fee and we can not close the sale of our property or pay off the loan without paying the {$1600.00} that we do not owe. I have included a copy of the contract. The relevant sections are on page 4 and in paragraph 3 of the " Addendum to the Home Equity Line of Credit Agreement. '' | ||||||
| 10/04/2022 | Yes |
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| XX/XX/22 Had bed for sale on Marktetplace and rec inquiry from individual. States I needed to put XXXX into her account as a business to business transaction to avoid her loosing the XXXX for the bed. The email address was different than the bank account. I did not think that this was right but unfortunely I did what was asked. I had only used XXXX 2 times previously. I called PNC bank and she immediately advised this was a scam so I was to call and file report which I did. Then I got a letter stating my request for reimbursement was denied by XXXX. I called them again and asked for review to be done. They advise me that I am to do transaction only with people that I know. After the fact I received XXXX routine information on scams. Not proactively but after the fact. I asked why a bank would be in partnership with XXXX and informed they are not but I am now aware that is not accurate. Once i knew this was a scam I sent a text back to the individual informing I knew what she was doing and she blocked me. I am requesting assistance with this as I am aware of the increase in this activity and the bank is responsible since they are part of the XXXX XXXX XXXX XXXX with several other banks. They are responsible to be proactice. They were very aware of the scam when I called but not willing to overturn. I do not know this person that did this. I have no relationship with her. I would appreciate assistance on what can be done as the bank appears to not be willing to help. They very likely have accounts to cover scams and the number is rising so I would think they would be doing everything possible including not being part of this LLC with the issues. Thank you | ||||||
| 07/11/2022 | Yes |
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| XX/XX/XXXX. XXXX. Got a phone call of someone pretending to be our utility company about to shut off power due to non-payment of last XXXX bills. They knew our address and amount of the XXXX bills. Long story short, talked us into paying the XXXX bills ( XXXX combined ) and an additional payment of XXXX. We paid this via the XXXX button in our online banking app, to a person named " XXXX XXXX ''. Shame on us. We called the bank while the transactions were still in " pending '' but they wouldn't do anything. Subsequently, we made a dispute claim XXXX XXXX, made a police report, and are trying to talk to XXXX fraud department that handles our bank, but so far are on hold, 1+ hours as I write this. We didn't know XXXX is like cash and offers no consumer protection. We thought since we were using it THROUGH our bank website that there was some protection and/or ability to reverse while still in pending. Then I learned that a consortium of banks invented XXXX! Now I'm not trusting my bank so much... The bank won't help because because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions, and we authorized these transactions. But, I learned that in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. I always loved my bank- now, not so much... | ||||||
| 10/23/2018 | Yes |
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| I have maintained a personal and business checking at PNC Bank since on or around XX/XX/XXXX. My system of personal finances operates on a cash-to-account basis. This means I will make several cash deposits through the week, as needed for purchases. I also frequently check my account balance via the PNC Mobile application, and have account alerts setup when my balance reaches below {$100.00}. On Sunday XX/XX/XXXX I received an email notifying me my available balance was {$33.00}. Again on Saturday XX/XX/XXXX notifying me my balance was {$5.00}. Seeing no issue as I was coming in the next day to make a deposit, I refrained from making any purchases that would overdraft my account. On Tuesday XX/XX/XXXX I received an email notifying me my account was overdrawn and balance was negative - {$85.00}, of which {$72.00} was 2 overdraft fee 's ( {$36.00} x 2 ). I attempted to resolve this with a banker on XX/XX/XXXX at the PNC branch office ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). The banker advised me that their systems do not update the balance from over the weekend until Tuesday which is why the available balance information was incorrect, and recommended I call the automated system instead of relying on the mobile app. I can not FATHOM, with the mechanism 's and technology available between PNC and the consumer, why I have to not only make a phone call to get information, but why the information readily available on their mobile/online banking system IS NOT ACCURATE. Had I known that they were going to slow roll my purchases over the weekend and carry them to almost middle of the week, I would have made the necessary deposit to keep the account from going over. | ||||||
| 05/31/2018 | Yes |
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| We made payment to PNC home equity account. However the payment was not reflected on the balance. PNC is still charging us interest for the balance we have already paid. Below is the timeline summarizing what happened : We totally draw {$100000.00} on XX/XX/XXXX from PNC home equity account. we made monthly payments from XX/XX/XXXX to XX/XX/XXXX We made payment to principal on XX/XX/XXXX of {$8300.00} we made {$30000.00} payment to principal on XX/XX/XXXX We transferred from virtual wallet account to Home equity account of XXXX on XX/XX/XXXX. We bring {$60000.00} check to the local branch to pay off the principal on XX/XX/XXXX ( check amount of {$15000.00}, {$25000.00} and {$10000.00} and {$10000.00} ), among which one of the XXXX check was returned, the rest {$50000.00} was deposit and cleared from other banks ( see attached deposited check images ) we transferred {$1000.00} from my equity loan account to my regular PNC virtual wallet account on XX/XX/XXXX. Due to the returned XXXX check, PNC has been holding all the deposited {$50000.00} and not showing as the principal payoff, PNC is still charging us monthly payment based of {$59000.00} balance, we actually only own PNC about {$9000.00}. Since this issue occurred, I have talked to banker in PNC bank XXXX XXXX branch, they told me they can't do anything. We then filed a customer complaint case with PNC customer relation team, XXXX XXXX with case No XXXX, we have been actively following up with her every week since XX/XX/XXXX, but still nothing has been resolved. We received the payment statement for XXXX. PNC charged us $ XXXX monthly payment for the remaining balance which is not correct. | ||||||
| 08/25/2015 | Yes |
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| I have been a customer of PNC for over 11 years now and have had no complaints until the last few months. I have spoken to several customer service and supervisors over the last 2 months and hope that this letter will get to someone that can take care of the problem. In XXXX I became aware that escrow had been added to my mortgage without my permission or any kind of warning or contact from PNC. After talking with several customer service representatives they informed me that a letter was sent to XXXX XXXX 's XXXX XXXX XXXX Va. XXXX informing me that my taxes were not paid and on the mortgaged property of XXXX XXXX XXXX XXXX Va. So I never got the letter because my address is XXXX XXXX XXXX XXXX XXXX VA XXXX. After doing some calling and finding out why these tax bills were not sent to my mailing address we found that the county was sending the bill to the old address we lived at 2 years ago and the forwarding was expired. I have since called the County and changed the billing address to XXXX XXXX XXXX XXXX. On XXXX XXXX we sent and check for {$1300.00} to take care of the taxes paid and another check for {$1100.00} for the mortgage loan we established in XX/XX/XXXX. The checks were check numbers ck # XXXX {$1100.00} and ck # XXXX {$1300.00} both cashed on XX/XX/XXXX. At this point we need to take care of changing our loan back to the {$1100.00} that was signed and agreed on in XX/XX/XXXX and all escrow needs to be removed from my loan. We have never been late on a payment and have automatic deposit set up for PNC Mortgage. I feel they should have sent a certified letter to let us know this change was taking place. Please help us resolve this issue | ||||||
| 01/22/2020 | Yes |
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| either pnc credit card remove my email address or close the account. how manny more times need i repeat this? i am not a compliant robot. get a robot not me if pnc wont take out my email address. no text. no email. everything by paper and by call. all calls recorded. dont like it get another custommer. write a response now by paper. Pnc keeps emailing XXXX but pnc has been repeatedly told to delete this email address because it is not working and unwanted. If pnc wants to deal with a compliant robot let pnc get another customer or maybe some sucker in a third world country. Remove this email address. Only send statements by usps mail. I have no cell. If pnc requires a cell close this account. I can not buy a cell and wont. Let pnc get another customer. I am a noncompliant customer. Want a robot pnc? Get someone else., take this email address out now. Your PNC credit card statement ending in XXXX is available. Credit Card ... XXXX Statement Date : XX/XX/XXXX Sign on to Online Banking at pnc.com to view your statement. Thank you for banking with PNC Bank. This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Credit Card Customer Service, please call XXXX ; 24 hours a day, 7 days a week. For Business Credit Card Customer Service, please call XXXX ; Monday through Friday XXXX to XXXX ET, Saturday & Sunday XXXX to XXXX ET. Visit pnc.com to view our privacy and security policies. XXXX The PNC Financial Services Group , Inc. All rights reserved. : : ( N ) | ||||||
| 09/09/2019 | Yes |
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| On XX/XX/2019 XXXX XXXX my Employee requested the card information for a payment for supplies. At that time I sent information to XXXX XXXX the card information, by error I sent the Card information to both XXXX XXXX and XXXX XXXX due to a prior text within the three of us. I realized I sent the card to XXXX XXXX and I sent a text immediately after I sent the Card info DO NOT USE THIS CARD. XXXX XXXX than stated what card cant receive pic. I have all text correspondence. On Monday XX/XX/XXXX I notice multiple unknown, and unauthorized pending transactions in my account. I called customer service at PNC and they stated that it was from XXXX XXXX Mobile. I disputed the cards after the transactions were cleared as instructed my PNC customer service. On XX/XX/XXXX I filed a Police report with the XXXX XXXX police department of fraud on my Card in the follow amounts ; {$1500.00}, {$760.00}, {$1000.00}, {$2000.00} for a total of {$5300.00} against XXXX XXXX. I have made a sworn statement under oath that I did not authorize and of the above transactions. I instructed XXXX XXXX he had no authorization to use my Card with the account end in in XXXX. I have the following text correspondence stating ; XXXX XXXX returned the funds ( but he did not ) XXXX stated that he can not get pictures of my card, That I never authorized payment and that XXXX XXXX authorized charges ( which he did not. ) PNC preformed a very hasty and poor investigation of a large amount and has not advocated and has not protected my company against fraud. I called 10 times to speak to an investigator on this matter and have not spoken to anyone. No documents or police reports were reviewed. | ||||||
| 10/24/2023 | Yes |
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| On XX/XX/2023 at approximately XXXX XXXX XXXX XXXX attempted to make a deposit at the PNC ATM located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$640.00} I inserted the money into the machine and as it was counting the money on the screen the screen then indicated unable to process this transaction. It retained the money and did not provide any receipt. I then attempted to reperform the function and the deposit feature was greyed out and not an available function. I then chatted with a PNC XXXX " XXXX XXXX '' on XX/XX/2023 to file a REG E dispute reference # XXXX. Provisional credit was issued. As a result, I had several Overdrafted transactions costing me {$110.00} in fees. On XX/XX/2023 my provisional credit was reversed. I did not receive advanced notification that my account would be debited. I contacted a PNC agent to reopen my claim - new claim id XXXX agent name XXXX. Since my provisional credit was reversed I may incur additional overdraft fees. I asked to escalate and speak to a supervisor and I was told it would not be of help. I wanted to know if the machine cash balanced when serviced by their vendor and balanced to the electronic journal or settlement receipt. I also would like to know if other customers had filed claims on the machine which may not since the deposit feature was disabled after my transaction. I would like to know if video was reviewed showing my transaction. I would like to understand if there were any software or machine malfunctions noted. I was not provided any details of this nature. If the machine was functioning properly were there additional deposits successfully completed after my transaction? | ||||||
| 06/20/2023 | Yes |
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| Subject : Urgent Assistance Required Regarding Erroneous Bank Transfer Dear Sir/Madam, I hope this message finds you well. My name is XXXX XXXX and I am a client of XXXX XXXX XXXX XXXX XXXX based in XXXX. I am writing to you regarding a situation that unfolded on XX/XX/2022, when I made a transfer amounting to XXXX XXXX ( equivalent to XXXX XXXX ) from my current account. This transaction was intended for a PNC Bank account located in the XXXX XXXX branch, New Jersey. According to XXXX XXXX XXXX XXXX XXXX, the transaction was successful and the respective amount was duly deducted from my account. However, I have encountered a significant issue : the beneficiary account details, including both the account holder 's name and the account number, were erroneously entered by me. The inaccurate details were initially set as placeholders to verify the functionality of my banking app and to check the exchange rate provided by my bank. Unfortunately, I unintentionally proceeded to initiate the transfer to this dummy account profile. I have made attempts to rectify this issue through my bank, XXXX XXXX XXXX XXXX XXXX, but they have expressed their inability to assist me further. They have indicated that the funds have already been deposited into the PNC bank account and that their communications with PNC Bank have not been fruitful. Considering this, I humbly request your guidance to get in touch with the appropriate contact at PNC Bank, enabling me to address and resolve this predicament. Your assistance in this matter is of utmost importance to me and would be greatly appreciated. Thank you for your time and consideration. Best Regards, XXXX XXXX | ||||||
| 08/13/2021 | Yes |
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| I was sold counterfeit shoes that XXXX XXXX stated were authentic, and he lied about getting them from a legitimate source ( XXXX XXXX 's XXXX using automated bots ). When in reality he bought the shoes from a supplier in XXXX and resold them to me then had the shipping information changed from his address to mine. The transaction was between him and I. He is not willing to accept responsibility for taking my money and charging me for shoes that are confirmed counterfeit when I paid for authentic shoes. I had no interaction with the supplier. My only interaction and transaction was through XXXX. After my complaints to him he tried to make himself look better by ordering a real pair of the same shoes I bought from a verified website ( XXXX ) The supplier he buys shoes from apparently has a factory in XXXX that produces a plethora of counterfeit products. He sent me a wide variety of shoes I could purchase claiming they are authentic. He also sold many pairs of shoes to people all over the United States through XXXX. I filed a police report with my local police department XX/XX/21 & XX/XX/21 XXXX XXXX are the reference numbers. XXXX is not willing to conduct their own investigation. I contacted PNC bank XX/XX/21 & XX/XX/21 who I have contacted denied my investigation without ever recieveing evidence from me. They claimed to send me a questionaire, that didnt arrive and within 3 days of them sending it. It was denied and they said it was an error on their part because they couldnt have sent the letter on a Sunday. Pnc dispute number XXXX. I am not being treated fairly. I have all the evidence of these interactions via screen shot, and voice recordings. | ||||||
| 01/27/2017 | Yes |
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| We do not escrow either insurance or property taxes. We have never escrowed I or T for the loan on this property. Without informing us, PNC bank paid our property taxes more than a month early. When we paid our taxes the day before they were due, we were informed by XXXX County that PNC paid them. After XXXX telephone calls PNC finally asked the county for a refund and our check was accepted. The reason we insisted on payiing is we did n't want the escrow that would result for last year and this year 's taxes ; more that {$430.00} per month. Subsequently, we received our XXXX XX/XX/2016 mortgage interest statement from PNC. The PNC contained several errors. The mortgage interest amount was wrong ; it did not include our last payment 's interest even though the remaining principal amount shown did include our last principal payment. The escrow balance showed a negative {$5100.00} and the taxes paid showed a positive {$2600.00} even though PNC had received a refund of the taxes it paid. We have not yet received a replacement XXXX which will likely cause us to have to file and amend our taxes for 2016. Trying to get this resolved took another phone call. Finally, we received in the mail on XX/XX/XXXX a statement from PNC stating in part " We 're concerned about your recently missed payments ... .. '' We have never been late with a payment. Another phone call. I was told that we are current. The mailing was " computer generated because of all the adjustments made to our account. '' What adjustments? I am deeply concerned that this latest computer snafu will impact our credit scores and future ability to borrow money for a car or obtain a credit car. | ||||||
| 12/03/2021 | Yes |
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| On XX/XX/2021 I closed my checking and savings accounts with PNC Bank. I authorized a check in the amount of my full remaining balance to be mailed to my home, as well as all sufficient paperwork that explicity states that the accounts are closed. I received all of that, the check was in the correct amount, and I also received a final statement that shows a balance of {$0.00}. On XX/XX/2021, I received an email from PNC Bank with a warning my checking account was overdrawn. I was able to log in to my online banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I saw that PNC had charged me a month service fee of {$13.00}, which is issued for not having the minimum balance in the checking account ( {$500.00} ). Of course I wouldn't have a minimum balance because the account was closed on XX/XX/2021. However, the online statement showed a balance of {$0.00} on XX/XX/2021 -- XXXX days after my account was closed, with the memo " Interest payment ''. I called a local PNC branch and the banker could not provide an explanation as to why there was XXXX XXXX put into my account, and why it was still opened. He issued me a check for the XXXX and ensured that the account was now closed. I asked for him to send a paper document to my home that would confirm the new closure of my account, but he said that they don't have anything. I think it needs to be investigated as to why my account was reopened with XXXX XXXX in order for PNC to charge fees. There should have not been an interest payment because the account was closed and there was no money in it for them to even issue interest in the first place. | ||||||
| 03/09/2021 | Yes |
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| PNC Bank lost my Stimulus Check. On XX/XX/2021, I received my {$2400.00} stimulus check. I signed the back and so did my husband, since his name is on the check. I deposited the check at my branch through the ATM machine. The next morning, I checked my account & seen the check was deducted out of my account. I called the bank and they told me since my husband 's name wasn't on the account, I couldn't deposit the check without him being present to show his ID. We live really close and I told them, e & my husband would come to show our ID. I was told by the banker, that PNC would mail me the check & they no longer had the check at the branch. I called the PNC 1800 number a couple days later and was told the check could take 2 weeks to get to me, but it was mailed out. They stated there wasn't a tracking a number on the check. I think with an amount of a check over a XXXXXXXX dollars, they should have a tracking number. Well, a month goes by and still no check. I decided to go to the branch. I went to the branch and talked to a banker. He checked my account and seen when the check was deposited and then taking out. He told me the check was mailed out the next day. He called the 1800 number to confirm everything and once again I was told the check was mailed out. I then was told to contact the IRS. I contacted the IRS and was told, since the check was already endorsed there is nothing they can do about it. PNC lost my check and basically is telling me too, they can't do nothing about it! Why wouldn't PNC but a tracking number on a check over a XXXX dollars? Now, I'm XXXX and don't know what to do. I'm starting to think someone in that bank took my money | ||||||
| 09/20/2017 | Yes |
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| I am currently unable to repay my PNC student loans. PNC offers little options if you are having trouble paying off loans. They offer a total of 12 months of forbearance, which borrowers can take 2 months at a time, every 12 months. I took a forbearance about a year ago and am not eligible yet. They also offer a 'graduated repayment ' option, in which you pay slightly less than your regular monthly payment for a few months, then your payment is fixed at a rate higher than what you started with. However, when I was making {$11.00} I did not qualify for the graduated repayment, so at around {$13.00} an hour, I am certain I will not qualify again. My cosigner can not / will not make payments. I have been trying to become current with PNC for about a month or two, and they do not have any options for me to make lower payments currently. I can afford {$150.00} a month ( my payments are $ 360+ right now ), but literally can not afford to be paying more than that. I am currently supporting not just myself but also my partner, and assisting with XXXX grandmothers going through XXXX, and do not have a way of paying {$360.00} a month right now as that is nearly a quarter of my monthly income. I would like to make a request for PNC to please allow me to lower my payments to $ XXXX monthly until I can afford to make the full payment. I expect to be able to do this by mid-2018. I have so many other bills - such as my car, phone and apartment - which I will physically lose if I do not pay them. I want to pay these loans off, I just can not make the full payment at this point. I understand if {$150.00} only covers interest. Please assist in any way you can. | ||||||
| 09/11/2023 | Yes |
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| I was looking for a home to rent, and found a landlord on XXXX. I then looked at other sites to see if this was a legitimate home. I did find the home on other sites like XXXX, and XXXX. I then called the landlord and made an appointment for the following day. Once I arrived at the location, the landlord was not present. When I called him he stated that the place was already rented and he had another home for me. I then drove to the new location. He walked me through his process with XXXX XXXX to gain access to the home. After walking through the home, XXXX XXXX the " Landlord '' called me back. He asked if I wanted the home, and stated he had another family coming to see the home at XXXX XXXX. He then charged me {$75.00} for the application. I completed it. Then he stated he needed a down payment of {$1600.00}. He took a copy of my information. And gave me his lawyer 's info for the down payment. He then tricked me into sending him the {$1600.00}. A few days later, he contacted me. I sent his information to HUD, as they help pay my rent. We emailed a couple of things back and forth. He contacted me a few days later asking me to pay the remainder of the rent to move in. I explained to him I needed more time as HUD must see the home and inspect it. He tried to say he has other people interested, and serious about the home. When I refused to pay more, he said he would refund my money. Which he never did, He then blocked me. I reported this to the sheriff 's office. Who then said they have had several problems with this man in the area. They were not surprised. although I have reported this, PNC refuses to help me, or return the money to my account. | ||||||
| 11/24/2021 | Yes |
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| I wrote a check to my land lord for the month of XXXX XXXX XXXX for {$570.00} and it was cashed. It was not cashed by my land lord but by a Construction Company illegally. I had to write XXXX to replace XXXX for {$570.00} to my land lord and it was cashed correctly ; by my land lord. *At the same time this was happening in the month of XXXX, my land lord was calling looking for XXXX rent, I had already issued out my rent check for the month of XXXX, which was XXXX for {$570.00}. At that time he indicated that my rent was being raised to {$600.00} a month because of this. I supplied the cashed check showing it was cashed illegally by the Construction Company. Didn't matter so I had to issue XXXX for {$600.00} for the month of XXXX. On XXXX/XXXX/21 a deposit was issued into my acct. for {$570.00} and XXXX/XXXX/21 for {$570.00}. On XXXX/XXXX/21 {$570.00} was removed from my account as a debit by PNC. Now I am being told that my land lord has the extra {$570.00} that I am owed and I can't get something in writing explaining what happened. My land lord believes he has no extra money and expects XXXX rent. Today 's explanation was that even though the Construction Co cashed the check it still came out of my account. The {$570.00} that was removed XX/XX/21 is my actual money. 1. this should of never impacted my account in the first place. 2. I want an detailed explanation for my records & to supply my land lord who will try to evict me over this. 3. I'm not sure how I'm chasing down my money 4. they shouldn't be able to go into accounts pulling money without issuing something in writing regardless, especially when it was their errors in the first place. | ||||||
| 02/26/2019 | Yes |
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| I located a XXXX post for an upcoming XXXX XXXX game and texted the seller about the tickets on Saturday, XX/XX/2019. - His original cell phone number was XXXX. - The offer was for 4 tickets, {$90.00} each. Total of {$360.00}. - The agreement was for the seller to transfer 3 of the 4 tickets to my XXXX account first, then I would send payment, then he would send the 4th ticket to complete the transaction. - I received an email from XXXX at XXXX that 'XXXX XXXX sent you tickets ' - The transfer was complete and I had 3 of the 4 actual tickets in my XXXX account - Then the seller asked if I can pay with an app called XXXX. My bank, PNC Bank, is integrated with XXXX so I felt comfortable using it at the time. - The seller sent a payment request to my XXXX account from XXXX XXXX ( XXXX ) XXXX ' for the {$360.00} payment we agreed upon. - I accepted it, and the seller told me I would have the 4th ticket soon as he was transferring it. He never did. Stopped responding to text messages, calls, etc. - I received another email from XXXX at XXXX telling me that the tickets which were transferred into my account were fraudulent.. " Unfortunately the original tickets were obtained fraudulently and the original order was cancelled which means the tickets transferred to you are no longer valid for the event '' - I called my bank, PNC Bank, at XXXX to put a stop on the payment to XXXX since it was still pending. They instructed me that because it was still in flight, I had to wait until it posted for them to do anything about it. I was told to call back on Tuesday morning. - I called back Tuesday morning, and PNC told me there was nothing they could do. | ||||||
| 04/27/2015 | Yes |
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| In XXXX of XXXX I was unable to pay my morgage due to an injury. I was in contact with the morgage company and they were aware of the situation. Imailed a payment to them XXXX/XXXX/XXXX for {$4500.00} which caught my morgage up to date. The check was cashed on XXXX/XXXX/XXXX. At the end of XXXX I received a letter from XXXX XXXX stating that PNC was forclosing on my house. I tried to contact them to report that my morgage was caught up but they would only send me the payment to remove my house from forclosure. The first week of XXXX I received a check from PNC bank for the {$4500.00} I sent them in XXXX and they also returned my check for XXXX 's morgage payment. I called the law firm and reported that I had all of the money except the {$3900.00} for future payment and asked what that was. They only replyed that I had to have this amount in full by XXXX XXXX, XXXX. There was an auction scheduled for my house for XXXX XXXX, XXXX. I hired XXXX XXXX to represent me a week before the auction was scheduled. We have been in litigation for 3 years. We were in mediation but the lawyer from PNC reported to the mediator that they never cashed my check and issued me a refund with their own check. They astated that they only returned my check to me. I had to go to my bank and pay for them to researce and find the check that was deposited. Due to all cases being dismissed I am currently receiving eviction notices and an '' investigator " is coming to my house harassing my children. I have a son who is a XXXX and have spent thousands of dollars renovating this house to be XXXX. They filed paperwork in XXXX of XXXX reporting that they foreclosed in XXXX of XXXX. | ||||||
| 11/20/2023 | Yes |
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| My debit card was stolen and transactions were made on my account without my knowledge for 90 days until I have noticed. I have reported my card as stolen the moment I became aware of it and disputed all the transactions involved totaling ~ {$3000.00}. During the process I found out PNC Bank gives their customers 60 days for disputes and a month worth of fraudulent transactions were not credited back. I have lost ~ {$800.00} because of that. Through my research I was able to find out 60 days is the minimum dispute time limit allowed by the government and while PNC chose to implement that, other banks in the area ( XXXX, XXXX XXXX, XXXX XXXX XXXX ) give their customers 90 days or more. The debit card is backed by XXXX and many of the transactions in question had gone through their payment platform. XXXX offers 120 days for disputes to their customers. XXXX representative told me over the phone they do not deal with this outside of reporting the card and issuing a new one and my financial institution is my only option. Escalating my problem within PNC allowed me to talk to some of the managers including my personal case manager and all of them follow their cold rules without exceptions. After telling my case manager about other banks offering 90 days I was told she doesn't care about what other banks do. Banks and XXXX make billions of dollars in net profit every year and refuse to do what is right for the hard working American citizen. They place the burden of what was essentially stolen from within their institution, without any wrongdoing on my part other than not being vigilant enough, onto me. The whole premise of a bank is to keep money safe. | ||||||
| 09/13/2023 | Yes |
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| Sometime about mid XXXX I applied for a credit card from the bank I have been with for nearly 20 years, PNC. The main reason I chose to apply for a card with PNC, as opposed to a competitor, was because they were offering a {$200.00} bonus after spending {$1000.00}. This offer remains on their website as of this writing ( link below ) and I applied via the link on the offer page. Over the course of about the next month or so after being approved for the card I spent over {$1000.00}. After not seeing the bonus I reached out to customer service at PNC via their app, who told me to wait for the first statement in XXXX. After not receiving the bonus again after this point I reached out to customer service again, but this time was told I would not receive the bonus. As I did not have time to contest this at the moment, I called PNC back and was told an investigation would be opened and should conclude by the following Monday. On the following Wednesday, now a few weeks ago, I called back after hearing no word from PNC. This time I was told the person working my case was on vacation, and I had to wait for her to return. As of this writing, I have neither heard anything from PNC nor received the {$200.00} bonus that I applied and was approved for months ago. If you can assist in solving this matter, I would appreciate it. https : //www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html? & WT.srch=1 & WT.mc_id=CC_GOOGLE_Search_KYSIN_S_G_B_CC_E & e=GOOGLE & m=p & k=pnc % 20cash % 20credit % 20card & gclid=Cj0KCQjwmICoBhDxARIsABXkXlIyx1y_7Wkql_RWNW5JE8SX9rnOlanPZ3_q4OlKgh0w8PMCBZwPcLIaAgxbEALw_wcB & gclsrc=aw.ds | ||||||
| 01/18/2021 | Yes |
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| PNC bank reported 30 day late payments to XXXX, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to PNC to pay off the car when they said they would, or pnc did not process it, until XX/XX/XXXX. PNC did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the PNC payment coupons, showing my due date was the XXXX of each month. By the way, PNC demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask PNC where I should send the invoice for their late payment fee. | ||||||
| 03/09/2020 | Yes |
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| PNC Bank, ( Ref # XXXX ) This reference number was provided by PNC in a letter dated XX/XX/XXXX. I have a performance checking account with PNC which I've had for many years now. I opened two virtual wallets accounts ( Opened I believe in XXXX ) for my Sons as well that were connected to my checking account. My eldest son was victim to fraud activity on XX/XX/XXXX. There was over {$3000.00} dollars in fraudulent charges to his account. Apparently, someone deposited a check and went to different ATM 's to withdraw cash and several other transactions. He contacted PNC to dispute the activity and was told that someone would contact him back. This has not happened and provisionally credit has not been given and furthermore PNC has refused to allow me and my sons the right to close the accounts. They have taken everything I have in my account to cover the fraud charges on my son 's account. They have also taken the money from my youngest son 's account as well. I am in the process of buying a home and I need this to be resolved asap. I believe that this is a violation of the Regulation for failure to offer the provisional credit also for failure to initiate the dispute upon his initial phone call. Additionally, this is a violation for failure to notify me that they were placing a hold upon my account. I have mortgage payments, car note, etc that will face NSF charges because they would not allow me to close the account until they recover the money that was taken via fraud. This is unfair and is causing me and my family stress. We would like to have this issue investigated asap. And someone from PNC corporate office to contact me to resolve ASAP | ||||||
| 10/13/2022 | Yes |
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Web | Older American |
| I keep trying to make mortgage payments but the bank ( PNC ) keeps telling me the payment is not going through because my account number on the checking account the funds are being drawn from has a " XXXX '' missing out of the account number. I re-enter the account number every month that I pay on the PNC website, and the same thing happens ... .the payment does not clear my bank and PNC tells me I entered the account number wrong because it is missing a " XXXX ''.. This has been going on for months and PNC keeps charging me late fees. They act as if I don't know how to count! The problem is in their software system because when I go to re-enter my account number on their website a drop bar appears " SHOWING MY CORRCT NUMBER WITH ALL THE XXXX 'S IN PLACE. So I simply click on that drop bar and the account number appears as a line item. I confirm it again and everything goes through the system and is entered into my PNC mortgage account data. But when I click on " pay '' somehow the PNC software kicks out one of the " XXXX 's '' and and days later I find out the payment did not clear my checking account. I tried the whole process again this month but this time I took pictures of each stage! I have attached pictures of whole the process to add an account number for payment with the PNC website. As you can see in the " add external account '' attachment, it clearly shows my external account number with all correct numbers, and it is in their system already because it appears in the drop bar as soon as I enter the 1st digit of the account number. The correct account number has four XXXX 's. It starts with ... XXXX. PNC tells me it starts with XXXX. | ||||||
| 01/15/2021 | Yes |
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Web | Servicemember |
| We absolutely are finished with PNC. After 22 years of having accounts and mortgages with them, we are pulling our accounts, including our mothers investment accounts. We wanted to refinance our loan after we received paperwork from PNC stating rates have dropped. We were taking some cash out as well since we had plenty of equity. 10 times what we needed. That was XXXX. Since then, weve been shuffled off to 16 different loan advisors. No one calls us back. When we call and complain, we get another loan advisor and need to start over. They are needing a piece of paper that they have, but say is not sufficient, I actually called and retained a lawyer to get what they needed. One person says its not sufficient the other says it is. I get a call today looking for paperwork but asking for proof residence for someone else. They dont even know what they are doing anymore. I talked to XXXX XXXX who said he was a supervisor but spoke to me like he was reading off a script. He couldnt. Or explain why what I had was not sufficient or anything else. When I asked to speak to his supervisor, he told me no, that there was no other person I needed to speak to. He was rude. I told him about all our issues. It once did he apologize until I called him out on his unprofessional attitude and the fact he didnt apologize. Finally he said Im sorry you feel that way. Please listen to all themtraining tapes. We have paid $ $ out of our pockets for the construction we were having done in XXXX because of all these issues. Credit score of XXXX and we hold a mortgage with you, but it takes 6 months to do your job. I have all names, times and dates of contact with company | ||||||
| 12/11/2022 | Yes |
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| I purchased flights from XXXX for {$660.00}. There was a service fee {$76.00}. The total purchase was for {$4800.00} and made with a single transaction. The refund was broken into multiple transactions leaving {$660.00} unreturned in addition to a {$76.00} transaction fee. I have spoken with my bank PNC located at XXXX XXXX XXXX, XXXX, XXXX XXXX in person with a banking representative. PNC refunded all but {$730.00} ( XXXX ) from the original purchase of {$4800.00}. PNC refuses to refund the remaining amount due back. PNC states monies can't be returned because we are outside the dispute windows. This is a contradiction since already refunding the majority of the original transaction. PNC has already refunded the majority of the original transaction providing proof a refund is due. PNC separated the transaction and refunded the majority of the transaction while refusing to refund the remaining {$730.00}. The transaction can't be outside the dispute windows and inside the dispute windows at the same time. Clearly the dispute was was within the dispute window or the refunds already processed would not have been valid. PNC clearly is contradicting their own policies and has lied verbally and in writing to me. Here are my terms : PNC will refund the remaining {$730.00} within 30 day to the account it originated from. If all of the funds are not retuned by XX/XX/XXXX, I will file XXXX XXXX PNC and will be asking for restitution for lost time, wages and counsel. Time lost will be billed at $ XXXX. XXXX hours spent to correct this error would be billed @ $ XXXX = {$6000.00}. PNC representative involved XXXX XXXX XXXX XX/XX/XXXX | ||||||
| 03/19/2021 | Yes |
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| When the rates lowered last year. I started applying to refinance my home. I spoke with over 20 lenders. Even though my credit score was over 700 and my LTV was 30 %XXXX I was denied over and over again. I spoke to the lenders who pointed out one issue preventing me from being approved. PNC bank had added a comment to all three credit agencies stating " Foreclosure Started ''. I agree that I was late in my payments on several loans due to divorce, however, I made great efforts to avoid foreclosure and bankruptcy. What I learned is those two words " Foreclosure Started '' is treated as the same as an actual foreclosure. I sent a letter to PNC on XX/XX/XXXX asking for this comment to be removed. PNC did not respond. I sent a follow up letter on XX/XX/XXXX. PNC denied my request to remove that comment on XX/XX/XXXX. PNC stated that my home was in foreclosure for 21 days and that they could not remove that comment. I believe this comment was purposely and deliberately put on my credit report to ensure I would suffer seven ( 7 ) years of inability to secure another loan. PNC even admitted that the loan was paid in full including fees. How can I be treated as a consumer who had a foreclosure when no foreclosure ever took place? The loan was satisfied. What reason does PNC have to punish me for 7 years as a borrower? Why is it protocol for every other lender in the U.S. able to deny me credit based upon a comment that doesn't tell the whole truth? I would like the CFPB to assist me in having PNC Bank remove a comment on my credit reports. This simple comment has the same power as an actual foreclosure or bankruptcy by denying me credit for 7 years. | ||||||
| 07/05/2018 | Yes |
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| I went to PNC Bank in XXXX, IL and asked about exchanging US dollars to XXXXXXXX XXXX. A PNC employee who helped me, XXXX XXXX, said there were no fees or other charges and that the exchange rate would be the normal daily rate. They did not know how to do the exchange so they took my name and phone number and told me they would call me when they found out. I got a phone call saying they were able to complete the exchange and had taken out {$250.00}. When I asked what the exchange rate was they said they didn't know but again they said it was be the accurate rate for that date, XX/XX/XXXX, and there were no fees. I picked up the money at the bank and my receipt said they took out {$240.00} and I got XXXX XXXX XXXX, which is a rate of 0.313372. The receipt said there were no fees charged. But on XX/XX/XXXX, the actual exchange rate was 0.289160. I called and asked about this issue. An escalation specialist, XXXX XXXX, said she would look into it and call me back within 3-5 business days. I called her back two weeks later because she never called me back. She said she had forgotten about my case but that there were added fees when you purchase and exchange money. I talked to a second escalation specialist, XXXX ( ext XXXX ), who said that it sounds like they gave me the wrong exchange rate and I should be refunded {$21.00}. She said she was going to call the bank to figure out the exchange rate process and call me back after. But she also never called me back. I called back again and got a third escalation specialist who said she would looking at it and would contact the second escalation specialist but I never got a response from her either. | ||||||
| 08/17/2021 | Yes |
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| I filed a dispute on XX/XX/2020 with PNC Bank for an unauthorized charge of {$4000.00}. I was told that I would receive a provisional credit within 10 days to my account or they would complete the investigation within 10 days. I submitted everything immediately to PNC and repeatedly called daily expressing that I had not received the credit and I submitted all documents requested and that I was in a desperate state since this caused my account to go into the negative. PNC refused to assist me during the investigation. Finally on XX/XX/2020 ( 90 days after I filed the dispute ) PNC completed their investigation and found in my favor refunding the money that was stolen from my account. However, due to the long investigation and no issue of the provisional credit I was evicted from my home, my car was repod, my utilities turned off, had to give my dog away due to not being able to afford to care for her, all my bills were late and all my credit cards were closed due to nonpayment. My son was not able to graduate high school due to not being able to complete online classes. My daughter had to go live with her dad due to having no food and no home and no funds to hire an attorney. I literally lost everything due to this. I have not been able to recover and have been homeless with no car since XX/XX/2020. PNC then held all my deposits ( including direct deposits ) and turned off my online banking access and demanded that I come into a branch and withdrawal all my funds and close my account because I started to complain to the local media. This bank has ruined my life causing me to fall into a XXXX that I can not even afford to seek treatment for. | ||||||
| 09/10/2016 | Yes |
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Web | Older American |
| I am an 18 year customer of PNC XXXX. My age is XXXX and my current XXXX score is XXXX and my current XXXX score is XXXX. My net asset value is around {$400000.00}. Yesterday I was taking my 37 year partner ( age XXXX ) to the XXXX of the XXXX XXXX for a XXXX. We left the health care facility after XXXX and went to a PNC Branch office at XXXX XXXX XXXX, XXXX, OH XXXX. I had a small {$6.00} check from XXXX XXXX to cash and my partner deposited {$200.00}. When I presented my check with my signed PNC Bank Card I was told that I needed a driver 's license to cash it. I asked if the manager could approve cashing it. The teller said he is right behind you. I asked the manager if it was really necessary to have a drive 's license to cash a {$6.00} check when a signed PNC Bank Card was presented and if he could override it. In a very aggressive way he said, Yes I can, but I will not do it for YOU. I then strongly told him that everything he just said and did was on camera and in front of witnesses. Then he shouted across the lobby, " Do n't YOU ever come back to this branch ''. On the way out the door I looked at the manager and said, " XXXX XXXX, you 're going down. '' Meaning that the rude and unprofessional way you treated me is being reported to upper management. On my way home I stopped at PNC 's XXXX XXXX XXXX and asked XXXX how to report this treatment and just by chance an area supervisor was in the branch. I spoke to XXXX and she recorded what happened. When I got home I received a phone call from Officer XXXX XXXX Police Department. He told me that the PNC manager, XXXX XXXX, filed charges against me for threatening his life! CC : FILE | ||||||
| 09/23/2023 | Yes |
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| PNC has mismanaged paying for from my escrow and keeping insurance on my property. They failed to maintain coverage and for 6 months or more, I had no knowledge of this. FHA requires this coverage. They have washed their hands trying to resolve this issue they caused, and instead have sent me XXXX letters threatening to add high-expense coverage on my loan at my expense. Below are the details of the situation : Background of the Issue after I found out my insurance coverage was canceled while trying to file a claim for damages : XXXX. On XX/XX/XXXX, I spoke to a XXXX representative, XXXX XXXX XXXX, who informed me that my policy had been canceled on XX/XX/XXXX, due to nonpayment. XXXX XXXX failed to provide further details or discuss potential reinstatement options. XXXX. Upon this revelation, I immediately contacted PNC Bank, my mortgage company, to understand why a payment was not remitted from my escrow account. As mandated by HUD, I am required to have continuous insurance coverage. XXXX. On XX/XX/XXXX, I was informed by XXXX from PNC Bank about the following : On XX/XX/XXXX, PNC remitted a payment of {$1500.00} to XXXX, part of a total amount of {$40000.00}. Records indicate XXXX cashed the check on XX/XX/XXXX. Surprisingly, the payment was returned to PNC on XX/XX/XXXX. PNC took no further action as to why the check was returned despite the requirement to maintain insurance per FHA guidelines. This situation has caused undue stress, and I seek your intervention to ensure a swift and fair resolution as they continue to mismanage my loan. Thank you for your attention to this matter. I look forward to hearing from you soon. | ||||||
| 11/15/2019 | Yes |
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| My complaint is against PNC bank account # XXXX status open with {$0.00} balance. I have been trying to dispute a late payment back in XXXX of 2018 that should not be there at all because I was never late and havent been late ever with PNC. I have years making business with the mentioned company and I was a satisfied costumer until I found out about this negative mark on my report. Therefore, I decided to dispute this information with PNC but when you try disputing anything with them they make it so hard to do so. They want the dispute to be internal with, a clear violation of FCRA. Not like other creditors that have a fax number or an address to send your dispute and start with an investigation as required by the FAIR CREDIT REPORTING ACT. So that is why I had to proceed through Consumer Financial Protection Bureau. Back in XXXX of 2018 I made the online payment through their online system indicated that everything was ok and me thinking that the payment went through. I received no notice of any kind that I was going to be reported as late. Not even a phone call so I could make the payment. This is negligence, unfair business practice, breach of contract and the list of violation can continue if I decide to take this case to a judge. Please PNC be reasonable with a loyal client of yours and correct that error and we can continue making business. I would appreciate a deletion letter through CFPB so I can present to my mortgage company. I have a {$500000.00} home loan pending because if this error. Im attaching a bank statement from XXXX of last year, to prove it was not a money factor or even less that did not want to pay PNC. Thank you! | ||||||
| 05/29/2019 | Yes |
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| I made a deposit via PNC Bank 's mobile phone application on Friday, XX/XX/2019. I would have made the deposit at their ATM on XXXX XXXX in XXXX, but it was not accepting deposits. ( There was no explanation as to why. ) When I made the mobile deposit, around XXXX XXXX Central Time ( XXXX Eastern Time ), I received a confirmation screen that said my funds would be available on Saturday, XX/XX/2019. This screen also said that if I wanted access to those funds sooner, I could get access for a {$13.00} fee. On Saturday, XX/XX/XXXX, when I looked at my account information online, it claimed that my check would not be considered deposited until Tuesday, XX/XX/XXXX, meaning I can not access the funds until Wednesday, XX/XX/XXXX. So, either PNC Bank lied to me when I made the deposit, or they are lying to me now. When I called to try to resolve the issue, they claimed my deposit was made 2 minutes and 46 seconds after their cutoff of XXXX XXXX Eastern Time. If that is true, then WHY did the confirmation screen not tell me that? Also, I no longer have an option to pay a {$13.00} fee to access my funds - not that such a fee would be in any way fair, considering the circumstances. My educated guess is that I DID make the deposit BEFORE XXXX XXXX Eastern, but PNC 's database did not update for several minutes. THIS SHOULD NOT BE HELD AGAINST THEIR CLIENTS! I think it is also important to note that PMC Bank uses Eastern Time as the governing time ONLY when it benefits them. It is currently XXXX XXXX Central Time, XX/XX/2019 ( XXXX XXXX Eastern Time ), and my deposit is NOT available yet, even though it is now XX/XX/2019 in the Eastern Time Zone. | ||||||
| 02/29/2016 | Yes |
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Web | Older American |
| PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit, will I incur an overdraft fee? '' The answer is 'no fees will be applied '. I 've included XXXX attachments to support my claim. At no time did PNC report a negative balance to me on the on-line tool that they provide to me. I 've attached a screen shot from my on-line screen. Clearly shows enough money to cover my debts. Also shows that they overdrafted me with a positive balance of $ .XXXX.PNC has been sued before for their Overdraft policies and activities and I 've received XXXX very small settlement checks from the settlement fund. Apparently they have poor business practices with their overdraft activity.They continue to abuse me. | ||||||
| 07/04/2015 | Yes |
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Web | Older American |
| I have a HELOC on a second home condo in VT. The loan is with PNC. It balloned on XX/XX/XXXX Since XX/XX/XXXX I have been speaking with PNC regarding a refinance .I sent the app XX/XX/XXXX and was denied do to credit ( approx XXXX ). They told me to reapply on XXXX XXXX. At that time I was told i would have to apply for a LM. In the begining of XXXX I was contacted an was sent a LM application which I completed and returned. Approx 4 weeks later i recieved a HARP application. I called a explained the loan did not quauilfy for HARP because it was aHELOC and a second home. I was told I did not know what I was talkin about. Approx XXXX weeks later they called to to inform me the loan did not qualify for HARP and they would proceed with the orignal LM application. In mid XXXX I recieved the LM agreement raising my payment XXXX fold which I signed and returned. During this process i had applied for a refi on my primary residence. Which was approved. Until they pulled the final credi report prior to closing. PNC reported me 90 days late. My score drop from XXXX. As you cn quess I was denied. This loan also would have paid PNC off. the credit reporting proceedure was never disclose to me. I was assured of a refi. Had I known how they operate i would have gone elsewhere when my credit was still in tact. To me this was bait and switch. How could I be turn down for a loan with my payment going from {$86.00} to aprrox {$180.00} but approved for a LM with a payment of {$430.00}. Allso I made the interest payment every month. I am requesting the remove the 90 day lates off of my credit report. This will also have a impact on all of may other credit. | ||||||
| 01/10/2016 | Yes |
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| I made a balance transfer of approximately {$6300.00} to my PNC XXXX XXXX card using a PNC balance transfer check. The balance transfer offered 0 % APR through the XXXX XXXX billing. When I received my XXXX XXXX statement, I noticed an interest charge of {$72.00}. I called customer service for an explanation and was told that the 0 % balance transfer offer had expired for the check I used. Upon examination of the balance transfer checks used, I noticed an expiration date was NOT posted on the checks. Information on the page that the checks were printed on stated that the balance transfer checks were only good for 90 days after opening the account, therefore the interest charges were correctly applied. My complaint is that most, if not all banks, clearly state the date for which the balance transfer checks are good on the face of the check. PNC did NOT include an expiration date on the face of the balance transfer checks making it much more difficult for the customer to realize when the checks expire. So in total, I paid PNC bank {$310.00} ( {$240.00} balance transfer fee + {$73.00} interest ) for the " privilege '' of transferring to a high rate 13 % PNC card. I was now forced to pay off the {$6600.00} balance due to the high PNC 13 % interest. Basically I paid PNC {$310.00} for no good reason. I wrote a complaint letter to PNC and a customer service representative contacted me at the end of XXXX XXXX stating that they did receive my letter. About a week later I placed a call to the representative and left a message requesting an update on the status of my complaint. As of this date, I have not received a call back nor a resolution. | ||||||
| 05/03/2022 | Yes |
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| In XX/XX/2022 I submitted a power of attorney from my son to have him added to my account so that I could handle his finances. It was returned 3 days later because the notary had not signed it. My son had it redone and I resubmitted it in late XXXX. On XX/XX/XXXX it was declined. The reason given was it was a statutory POA and not a durable POA. They are mistaken because the same POA was used to add another child of mine to my account. Also the POA submitted was drafted in a federal institution and notarized by a federal notary.On XX/XX/XXXX I went to the main branch and spoke to XXXX XXXX. He called the legal dept for PNC. We were placed on hold for about 10 minutes. When the young lady came back on the phone she said she thought she knew what the problem was and that the power of attorney had been submitted incorrectly. She asked him to resend it which he did, And he told me to give it 3 business days for a response After 5 business days I contacted him and he told me that it had not been responded to and to wait anywhere from 7 to 14 business days more. I have been calling off and on since then and each time I'm told there has been no response ... until today. I was read the same reason again from the same letter dated XX/XX/XXXX meaning they still have not responded to the power of attorney that was submitted XX/XX/XXXX. This is totally unacceptable and totally unprofessional for me to have been waiting for someone to do something for 4 months that should have only taken 4 days. This is very shoddy banking practices at its finest. I don't feel that I should have to change banks. I feel that P & c bank should have to do their jobs. | ||||||
| 03/10/2016 | Yes |
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| I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of {$1800.00} in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently, but have never received a proper answer. In a letter dated XXXX XXXX, 2014 ( attached ) PNC responded stating the fee was because the HAMP " loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense, my loan was never past due and never had to be made current or be reinstated. I responded to them on XXXX XXXX, 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus, no proof was ever sent to me. In other words, just saying that I owe them {$1800.00} because they say so is not an acceptable answer legally or otherwise. I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am, and always have been, perfectly willing to pay any fees that I am legally or contractually obligated to pay, but I can not stand for having my money confiscated inappropriately by an entity that obfuscates the facts and refuses to provide simple and understandable answers to legitimate questions. | ||||||
| 09/24/2023 | Yes |
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| I had a Home Equity Line Of Credit with PNC Bank that was paid in full and closed on XX/XX/. PNC bank returned an escrow payment to me in the amount of {$330.00} in XX/XX/2023. I did receive confirmation of this loan being paid in full with a {$0.00} balance. In XX/XX/2023 I received notice from PNC Bank that I was in delinquent status and I had a balance due of {$330.00}. I visited my local PNC Bank in XXXX XXXX NJ in an attempt to correct this and I was told that I am unable to make any payment on the account because the account is closed. I was advised to mail the alleged payment to the PNC payment center which I did on XX/XX/. On XX/XX/XXXX the check was returned with a letter stating the account was paid in full and closed. I retrieved my credit reports from XXXX, XXXX XXXX and XXXX and noticed this incorrect account over due balance was being reported to all three agency which greatly affected my credit score. On XX/XX/XXXX my XXXX credit score was XXXX, as of today my XXXX credit score is XXXX because of this error. I did dispute this with all 3 credit reporting agencys and have been notified that the information they received is correct. XXXX even changed the status of the account from closed to open and delinquent. I did mail a certified letter to PNC Credit Reporting department with supporting documents but have not had any response. I have talked to numerous agents with PNC that confirm this error but are unable to correct. Despite this account being closed and paid in full in XX/XX/, PNC Bank did collect a third payment attempt on XX/XX/XXXX but has not reflected this payment on this closed account. Please Help. | ||||||
| 04/05/2023 | Yes |
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| Periodically, usually in the evenings, I am not able to log in to my online banking, and the mobile banking is often not working. When I try to log in to my online banking, after I enter my password it gives me a screen saying it needs to verify my identity, which doesn't work. The first time it happened on XX/XX/XXXX it really scared me because it showed two phone numbers - mine and some completely unknown number. I was terrified and thought I was hacked. I called the bank next day, they fixed the log in, but couldn't explain where the number came from. I was not getting a log in code no matter how many times I clicked the button requesting it. Tonight XX/XX/XXXX at XXXX PST again I couldn't log in to my online banking. The problems with the log in were : 1 ) unable to select radio button to choose verification methods, 2 ) ignoring the fact that I requested to remember my computer and not to make me go through this again ; 3 ) I kept asking them to send the code, but they never sent it ; 4 ) there was a message on the screen saying that they called me with the code, but I got neither a text or call. I tried to log in from different browser, and from my phone, all attempts unsuccessful. Then I tried to check my balance calling the XXXX number, which according to PNC is supposed to take me to my account 24-7, but it did not. It did not allow me to access my account either. I should be able to log in to my online banking or call anytime day or night without such issues! I spent a couple of hours each time this problem happened trying it over and over. It also causes my considerable anxiety that i can't see that my money is safe. | ||||||
| 08/02/2021 | Yes |
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| I am a customer with PNC bank. I have a personal account and a business account there. I applied for the PPP 1 loan. I submitted complete and clear documentation indicating that I had a few W-2 employees and the rest 1099 employees. PNC approved a loan for {$110000.00} indicating that everything I submitted for was eligible under the statute. Six months later, they came back and said that the 1099 's were not eligible to receive the money and they were recalling {$75000.00} of the loan. We have called PNC on multiple occasions during which they a ) erroneously told us that originally the 1099 's were allowed and that the SBA changed the rules. SBA confirms that this was not true. b ) refused to give us a copy of the underwriter 's document to let us know who at PNC approved the loan c ) a number of the people we spoke with refused to give us their names and d ) they told us there is language in their loan that indicates 'regardless of whether there is lender or borrower error, PNC is not responsible. '' According to other banks I have spoken with, PNC could have worked with us un multiple ways to get a better outcome for us, but they took know responsibility for us as a client or for their error. I know this is a CONSUMER agency. We have appealed to the SBA. We have appealed to our Congressperson We have appealed to PNC No one is listening to us and seemingly everyone has a way out of liability for this except for us. I am a consider of PNC and I desperately need someone to hold PNC accountable for their unethical practices here. They have put up numerous roadblocks to helping us in any way for an error that is clearly theirs. | ||||||
| 11/17/2015 | Yes |
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| I had a second mortgage with RBC account # XXXX. This was settled for less than the original amount XX/XX/XXXX. It is being reported on my credit as a " charge off ''. This is preventing us from getting a mortgage. I was told by PNC to submit the following information : the dismissal from RBC, the page of my credit report where the error appears, the bureau reporting as a charge off, and a brief description, referencing the RBC account number of what happened. I was under the impression that by law, they had to respond to me in 30 days. They signed for the letter sent via priority mail XX/XX/XXXX. I called on XXXX when I had not heard anything. I was told by someone in the XXXX that they were working on it, and to call back once the 30 days had passed. I phoned the XXXX XXXX XXXX today, XX/XX/XXXX and spoke with a man named XXXX XXXX. He transferred me to " Consumer Services '' ( a nice word for collections ). They told me to call XXXX, who is a collection agency that called me immediately after I sent in my request to have information corrected on my credit report. Once I sent them the documentation I had submitted to PNC, they did not call me again. I declined the suggestion of the agent in collections to call XXXX, and instead called back to the XXXX '', where I spoke with a woman named XXXX XXXX. She indicated to me that they would send me a response. I told her they have to do that within 30 days by law, and that deadline had passed. I told her I was submitting a complaint to the CFPB because we are trying to get a mortgage and are unable to because of this. I asked her to add that to the notes on our file. She agreed to do so. | ||||||
| 08/13/2019 | Yes |
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| The nature of the wrong doing is that the account I opened with PNC back in XXXX of 2016, XXXX XXXX, FL apparently has been given to someone else and that someone else created a fraudulent account for me about three years ago. The reason I say 3 is because that's when my ENTIRE online account changed and I was forced to create a new password. In conclusion, I logged in my Student Loan account to make a payment, and the only way to make a payment via online was by disclosing my Routing # : XXXX and Account number : XXXX. Upon making the payment of {$10.00}, I was given confirmation number : XXXX. Then I logged into my PNC online account and noticed that {$10.00} was not deducted, not even pending. So, I called PNC, and it could have been an Impersonator, either way, this woman had the nerves to say I can ONLY use my card online. That's a lie! Due to this crime is why I keep missing all my IRS deposits, or any credits. Credits get placed by a 3rd party ( ex-boss creating this crime ). To make a long winded story short, please make PNC CLOSE all fraudulent accounts and tie my Debit card to my Routing # and account #. In the past I have already told XXXX from Client Relations to fix this problem, XXXX XXXX ) XXXX ; and Ms. XXXX ( XXXX ) XXXX to fix this problem. This is a crime. How can my account be given to my exboss and his mistress behind my back? The transaction went through without a problem because it's a LEGAL way of paying for something. I've done this in the past with other banks. Again, please have them correct this wrong doing once and for all. And for the record, I'm not in jail or confinement. Never have and never will. | ||||||
| 03/11/2021 | Yes |
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| Home was purchased in XXXX, mortgage transferred to PNC in ~XXXX. PMI was required with purchase. When outstanding balance was at 79 % of loan I called to get steps to remove PMI. I was told that I had to have an appraisal and other steps to have it removed. Was advised it is automatically removed at 78 % of loan value. 78 % of loan value ( mortgage XXXX ) is {$120000.00} and was met approximately XX/XX/XXXX. We have continued to pay PMI of XXXX $ XXXX despite excellent payment history. We are initiating a refi of the home and received notice that PMI is FINALLY being removed ( currently owe XXXX {$110000.00} ) and that we may be due a refund. According to my calculations that is 69 % of loan value - although like most real estate our home value has increased since purchase. I am simply calculating from our original loan amount not from the current value of the home. I called again to request clarity on the refund and expectation that it should be at 78 % value and was informed by the representative that the Homeowner Protection Act is only a guideline and that the investor ( not necessarily the same as the lender ) can create their own guidance. This is not my understanding. I am requesting a formal review of this as well as full refund of any moneys paid towards PMI AFTER the required cancellation. Furthermore, I am requesting that PNC review their practices which seemed to be designed to obstruct the homeowners from cancelling PMI. At a minimum PNC needs to provide clear guidance and a simplified process rather than put multiple barriers in place that make it difficult if not impossible to have PMI removed when requested. | ||||||
| 12/21/2017 | Yes |
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| Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine. | ||||||
| 08/29/2022 | Yes |
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| Last year in XX/XX/XXXX to XX/XX/XXXX there were fraudulent charges done on my credit card. The total was spend {$11000.00}. At that time the bank was XXXX. Once I noticed my card was stolen and called all of the charges that were done on my account I called them to investigate. XXXX told me they will look into it and let me know. I kept calling them every other week and did not hear anything back. In around XX/XX/XXXX PNC took over XXXX and they told me I needed to speak to the Fraud Dept. with PNC. They told me at the time they will look into my case. I kept calling every month to check and they could never update me. I finally was able to get in contact with a representative in XX/XX/XXXX that took action and he was able to place my account in front of the investigator manager. They promised me I would hear back in 30 days. After almost 30 days passed I noticed on my account all of the charges were taken off in XX/XX/XXXX and I had XXXX balance in XX/XX/XXXX. I assumed that they had fixed everything. In the beginning of XXXX I can my credit reports. It showed I owe {$10000.00}. I was shocked as everything was removed and updated. I also noticed there are late fees reported on my account. I started calling PNC Fraud Dept. every week and they could not give me an answer to why I have a balance on the fraudulent charges from last year XX/XX/XXXX to XX/XX/XXXX and why there was a late fee showing on my credit. I have yet to get a response regarding those fraudulent charges on my credit card that I did not do. The late fee is also still showing my my account. I need to know why they will not help me and remove charges I did not do. | ||||||
| 01/05/2021 | Yes |
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Web | Older American |
| On XXXX XXXX.2020 I clicked on a web link, said XXXX help. I called the phone number and the man portrayed to be with XXXX. Iwas trying to collect money on account and fix a email problem. He fraudulently talked me into downloading several apps like any desk and team viewer. He said he was helping fix the situation. He had control over my lap top and phone and and took out of my checking account using my debit card 4 transactions from PNC BANK. The amounts are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Then he hung up the phone and i knew something was wrong. I called pnc phone number XXXX XXXX. I told them about what happened the man at pnc said the money was pending and it should be okay because the had not left the bank yet and should be back on my account monday. I told them not to let the money go because it was fraud. Pnc never gave my money the next day i called and they said the man I talked to saturday should not of said that. They said i had to file a dispute once the money has left and posted.I call back and dispute it after it posted and talked to a supervisor and said i want my money back and she said they have fraud protection and she was going expedite the situation and the money should be in my account in the morning or afternoon well that never happened and i was told again by a supervisor this time that she should not of told me that. They declined my dispute because i have used bitcoin app before i said this was fraud nothing to do with what i have used bitcoin before. They opened up the case again and declined another dispute. I feel this is very unfair i have banked there for years. | ||||||
| 11/19/2023 | Yes |
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| I opened a new Business Checking account with PNC on XX/XX/23. I was excited to start my new account with a company that is for small business. I then made three transactions to deposit money into this account. On XX/XX/23 I moved {$5000.00} into this account through a transfer from another bank account I own. On XX/XX/23 I moved {$10000.00} into this account through 2 cashier checks. These were banks that I had closed out, and I immediately took the cashier checks to PNC. On XX/XX/23 I moved {$89000.00} into this account through a check from my personal bank account. I had to move money from a personal savings account, into my personal checking account. I then wrote my business a check from this account. My financial advisor told me it would be a good idea to move the money I had saved for buying a house, into my new PNC account. Since my business shows more income and it would allow me to get a home loan. Fast forward to XX/XX/23, I go into the bank and ask to get a few checks. I have some bills I need to pay. The teller notifies me that she can not give me a check and that my account is frozen. I am now trying to figure out why my account is frozen. The only thing they have told me is that they think it is because I had large deposits to a new account. Which I have a paper trail for everything I have deposited... But if this is the case, it is very frustrating that I have been given no update on this. I was never told my funds would be frozen. I was never asked for any information or documentation. If bringing my hard earned money over to their account is an issue, I will gladly close my account and go elsewhere... | ||||||
| 11/08/2023 | Yes |
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| The HELOC I had with PNC Bank was paid off ( refinanced due to better interest ) by XXXX. During the payoff process, I made a regular monthly payment so my credit would not be affected which resulted in a credit balance of {$110.00} once payoff was received from XXXX. PNC charges an annual fee of {$50.00} for their HELOC. I visited the local branch on XX/XX/23 to make sure the HELOC was closed and spoke to a manager to collect the {$110.00} overpayment. He said that PNC would send a check. I questioned the {$50.00} fee, which is for the incoming year, and he said it would not apply since the account was closed. I received the refund check which was {$50.00} short. Immediately I called PNC customer service, XXXX XXXX indicated it must be an oversight and forwarded me to their support department. Days later I received contact from XXXX. Explained the whole situation and he agrees it must be an oversight but he would forward my information and plead my case??? to get my {$50.00} refunded. I received a call back after several days from XXXX stating that PNC would NOT be refunding my {$50.00} fee because the payoff received from XXXX was not posted until after the payment notice from PNC regarding the {$50.00} fee. According to the Statement dated XX/XX/23, the fee was due for payment on XX/XX/23 which was AFTER my account T was fully closed. I have Documentation verifying my claim for PNC to refund my FULL overpayment {$110.00} less {$69.00} received leaving a balance of {$50.00} they still owe me. Please advise if you want copies. I know it is only {$50.00} but the matter is that they are wrong and possibly illegal for keeping it. | ||||||
| 12/20/2021 | Yes |
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Web | Servicemember |
| The manner in which I could have avoided a service fee for PNC Bank account number XXXX was not explained accurately. In fact, the reason kept changing and came across as deceptive. When the account was opened in the summer a few months ago, the banker made it sound like as long as there would be a {$500.00} ( five hundred dollars ) balance before the grace period for new accounts was up, that the {$7.00} ( seven dollars ) monthly fee would be waived. It turned out that this was not true. When I spoke with another banker sometime in XXXX, she explained that there had to be an average of {$500.00} for thirty days in order for the {$7.00} service fee to be waived. From the time I spoke to this banker in person in XXXX to 30 days later, the {$500.00} balance there was not touched by me at all. That is, I never made any withdrawals from that {$500.00} balance. But my balance in XXXX was down again to {$490.00} because PNC took a {$7.00} service fee out of my account. The male banker in XXXX said that it had to be an average of {$500.00} from the beginning of the month to the end of the month because that was the billing cycle. That was not what the female banker who opened the account said, nor did the second female banker say anything from the first of the month to end of the month billing cycle in XXXX. It was as if it did not matter what I did because PNC was determined to mug me and rip me off out of {$7.00}. I want that {$7.00} refunded to me immediately and sent to my mailing address. PNC Bank is not trustworthy. Their employees ' story ( explanation ) on imposing the {$7.00} service fee kept changing. | ||||||
| 04/27/2021 | Yes |
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| PNC, at their discretion, will make a decision on whether or not they want to have a transaction go thru at a charge of {$36.00}. That I understand, however, I am not understanding why they STILL charge me {$36.00} if they do not allow for a transaction to go thru. They will make it appear as if they are actually going to cover it and then a few days later, reverse it to not cover and then charge {$36.00}. That is totally not right as well as false information that they are giving us. Not only that, you CAN NOT send a XXXX without having the money in your account. I use XXXX primarily to send money from PNC to my other checking account. How in the world are they charging me {$36.00} in overdraft fees for sending XXXX payments all because their checks and balances are not set up correctly in their system is beyond me. When I requested my fees back, I was told they could not even though the agent agreed with me that yes, that is not correct for them to do. I also did not ask for PNC to give me a credit due to COVID. That in itself is throwing off their checks and balances as well, which the agent acknowledged. Then having the nerve to charge me an overdraft fee for money I didn't even ask for if it overdraws my account! I wasn't even given an option to opt out of it! Finally, I have been monitoring my account to see how far of an extent they are going with their shenanigans. I took overdraft protection off so that my card would decline any transactions that would not be able to be covered, and yet again, they allowed something to go thru and this time a transaction that they denied and charged me for from before! It's ridiculous! | ||||||
| 03/19/2017 | Yes |
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| I bank with PNC Bank here in XXXX, PA. I have always been 'opt-out ' on my checking account, however last XXXX ( XX/XX/XXXX ) my account was changed to a different type of checking account better suited to my needs as an XXXX and on Soc Sec XXXX. When the account was changed the 'opt-in ' is the default standard and the customer must 'opt-out '. I was NEVER notified that I was an 'opt-in '. My understanding is that there are 3 ways to change that status : by letter, over the phone, and online. Each would still require some sort of notification and signature by customer acknowledging the change. Over the past year I have had numerous overdrafts due to my debit card to say the least and my PNC branch has been very flexible in offering a few refunds of the OD fees. The most recent occurrence of overdraft fees due to the debit cards being authorized and paid began on XX/XX/XXXX. I have paid nearly {$1000.00} in OD fees during the last year due to this opt-in being on my account and never realizing why the ODs were multiplying like bunnies until recently a banker friend mentioned it. PNC has offered a paltry {$100.00} refund this time around and has corrected me back to 'opt-out ' like I ALWAYS had been. They claim it is not a bank error and will not refund this extraordinary amount of OD fees collected from me over the past year due to their failure to disclose to me the opt-in status. I was told that its in the customer Rules & Regulations book. I would think they have a fiduciary responsibility to make it very clear at time of account opening ( or type change ) to the consumer and at least have me sign a paper acknowledging it. | ||||||
| 08/06/2015 | Yes |
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Web | Older American |
| I am contacting you to file a complaint concerning a new car loan I applied for recently. I am XXXX years old and I have been a customer of PNC bank for more than XXXX years. I have over {$25000.00}. in CD 's with PNC. When I applied for a new car loan for {$10000.00}. I was denied the loan because I do not have any credit history. I never had a credit card and always paid cash except for XXXX time XXXX years ago I applied for a new car loan with the same PNC bank in XXXX and they approved it no problem but this time I was denied. I have more than enough money on deposit with their bank as collateral for the loan but they still denied it. They said it is PNC 's policy not to give loans out to anyone who does not have a credit history. I went to another bank and applied for a loan and they said as long as I deposited the {$25000.00} CD with there bank they would write me a check for {$10000.00} on the spot regardless if I had any credit history. I feel PNC 's policy of arbitrarily denying a loan to anyone who does not have a credit history is discriminatory and possibly illegal. I had more than enough money on deposit to cover the cost of the loan if I defaulted on a payment. There is NO WAY PNC could loose money on the deal. I also feel my AGE may have had something to do with it. I believe this because my son ( XXXX ) applied for a loan with PNC a few days later and told them he had a {$25000.00} CD on deposit and wanted to borrow {$10000.00} for a new car. He told them he had NO CREDIT history. They told him that he could get the loan no problem. Please look into this matter and contact me if you need any further information. | ||||||
| 11/20/2021 | Yes |
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| XXXX ( now PNC ) does not provide transparent and proper disclosure of fees and costs associated mortgage/refinance products. PNC 's claims of " fair lending practices '' are false. PNC 's disclosures are far removed and misrepresent any claims or commitments to " good lending practices ''. PNC also used deceptive practices to lure us into the mortgage transaction, and conveniently " timed '' the closing dates so that we were stuck with them and risked the lock-in date- thus forcing us to give in to PNC 's fees and charges. We had current mortgage with XXXX since XXXX. We started the refinance process in XXXX XXXX. We were advised to start a HELOC and were told we would be able to convert that HELOC via an inhouse transaction *with minimal to no closing costs*. We were also told the appraisal charges would be waived at the time of converting the HELOC to a refinance mortgage. So, we provided all the paperwork and details and got a HELOC approved in XXXX. In XXXX we took the HELOC loan and started on the conversion to refinance 10 days later in XXXX- with intention of converting it right away to the refinance mortgage per advise from the Loan Officer. In XXXX, XXXX the refinance transaction never happened in the manner we were told/sold. It dragged on with restarting the entire underwriting process, second set of costs and appraisals, and multiple delays due to " merger '' chaos/confusion. Then we were told, this would be a full transaction. i.e. full closing costs and full appraisals, and sorry but NO lender credits to make us whole for the ( mis-represented/mis-communicated ) offer to refinance with a minimal cost product. | ||||||
| 04/13/2022 | Yes |
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Web | Servicemember |
| To whom it may concern I am XXXX XXXX XXXX, XXXX and I have a small family dental office on the Northside of town. I would like to tell you about an interesting experience I am having with a well-known bank. In XXXX of 2021, I started a business credit card account with XXXX. Immediately, I started to have issues with the account and the processing of payments and credits to account. In XXXX, I called in to make my payment, the payment amount I requested was not the amount taken and it left the account with a huge balance to be carried on to the next month. I did not like this and complained because of course interest is accrued in that time. I called in and made my XXXX payment around XX/XX/XXXX ; this is where things go completely off the rail for the account. XXXX held my payment for over 20 days until XX/XX/XXXX before the money would be credited, then inexplicably XXXX claimed to have returned the payment. They did not give a reason the payment was returned ; they actually have not returned my money. The money has been misapplied to an account and now they can not find it. My money just vanished into thin air. I have not been informed of fraud nor cyber theft. XXXX is now PNC BANK and PNC has now placed my account in a revoked status and still seem to not care. They seem to not care and treated me like someone who does want to pay their bills when I went into the XXXX branch on a scheduled appointment with someone named XXXX. They just do not seem to have any interest to make this right for me and I am enlisting any help that could be given to me in this endeavor. Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX | ||||||
| 03/02/2020 | Yes |
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| Saturday XX/XX/XXXX XXXX I attempt to cash a a check ( {$320.00} ) from second job into my pnc acct from a pnc ATM, the employer banks with PNC also. No success with cashing/depositing check into account the ATM ask if I would like to deposit. No express funds option or letting me know when funds will be available. Ill usually use express funds or cashing just for ease, in the past I would be given the option to how I would like to deposit. this time I wasn't which is my issue. Same day - Call pnc, have a rep hang up on me while lying to transfer to manager. Call back to be denied by another manager. Was told my funds wont be available til Tuesday and there's nothing I can do. Call another department and was given more poor customer service. they seem to see the issue but don't care to fix it. if the kiosk wont offer express funds like they typically do let the consumer know they will be waiting 80+ hours for their funds. I put a complaint to have this process looked after, im not sure if they received this. Monday XX/XX/XXXX XXXX Call pnc, Have rep say on telephone she would check for availability of {$100.00}. Withing the next sentence due to her unprofessionalism she tells me she wont do nothing for me today not even check. I asked her did she just say she would check about getting some of the funds available today. She wouldn't answer because she know she did. That call ref Number is ( XXXX ) Called another rep after and he actually went through with the check of available funds and told me none would be available due to the fact I used a pnc ATM. This makes no sense to me as to why im in trouble for using their atm. | ||||||
| 11/07/2023 | Yes |
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Web | Older American |
| On XX/XX/2023 at XXXX I received an email from PNC Bank stating that my checking account was in " low cash mode '', and that my account was negative {$170.00}. On XX/XX/2023 at XXXX I received another email from PNC Bank stating that I was approaching 24 hours of " Extra Time '', and that I needed to bring my account balance to at least a {$0.00} balance before XXXX on XX/XX/2023 in order to avoid being charged overdraft fee ( s ). As you will see in my attached ATM deposit receipt, I deposited {$180.00} in cash on XX/XX/2023 at XXXX, thus meeting their XXXX deadline of XX/XX/2023, which was more than 20 hours before their required cut-off time. However, after making the deposit before the required deadline, PNC returned two payments to two merchants, thus causing my payments to those merchants to be considered late, as well as receiving returned payment fees from both merchants. When I spoke to a representative from PNC Bank she informed me that PNC reserves the right to return " any '' quote : " payments that they deem to be questionable that could cause my account to become overdrawn ''. With that being said, it was clearly obvious that I had made a cash deposit to bring my account out of the negative well in advance of their stated cut-off time, therefore why would PNC have returned two of my pending payments, obviously knowing that I had made a deposit 20 hours before their stated cut-off time? What's the point of telling their customers that they have a specific amount of time to remedy a negative account balance if PNC is going to return an item 20 hours before the cut-off time that PNC itself offered and agreed to? | ||||||
| 07/10/2023 | Yes |
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| PNC apparently has a forced arbitration XXXX sided agreement to which I was not aware of until just recently. At no time when opening the account was I advised that there was a forced arbitration agreement and that I could opt out. Nor did I sign anything acknowledging receipt of any forced arbitration agreement. Now, via PNC 's practices, it has come to my attention that PNC is aligned with politically radical groups i.eXXXX XXXX XXXX, which alignment has given rise to fraud and identity theft issues. On top of that PNC uses its political alignment to XXXX XXXXXXXX to cause financial and other irreparable harm knowing that it has paid crooked arbiters in its pocket, which it has paid for in advance. On top of this, I am not entitled to a waiver of fees for claims asserted against PNC in any arbitration, as that is in the discretion of its hand picked arbiters. Conversely, in both federal and state court, I am entitled to a few waiver to pursue claims against PNC notwithstanding the fact that PNC 's arbitration is perfunctory at best as most arbitration agreements are XXXX sided in favor of the bank. Therefore I have no legal rights whatsoever with respect to the relationship with PNC and I am at their mercy to comply with the federal and state law which they have shown as a pattern via their XXXX XXXXXXXX alliance, that they will not comply or otherwise do so at their discretion to which i have no legal recourse whatsoever. Ironically, PNC alleges to be so concerned with being socially responsible yet at the same time taking a very radical approach to is own misconduct and forcing such into crooked arbitration engagements. | ||||||
| 09/09/2021 | Yes |
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| To date PNC has refused to lift the restrictions to my having online access to my account This unreasonable restriction to online access to at account has been imposed for six consecutive months In fact PNC has been further financially exploding me as a XXXX, senior citizen client by intentionally sending multiple paper bank statement and charging inflated fees to intentionally cause my account to go into overdraft to intentionally impose overdrafts fees. PNC has also intentionally restricted all online access to my account that was imposed initially upon opening my account XX/XX/XXXX, I have no access to free online banking statement I am XXXX XXXX XXXX impaired customer whom recently suffered a XXXX XXXX, a few month ago. I informed PNC six months ago that I am not XXXX capable of calling and visiting the branch, I can not XXXX to ATM However PNC has no value for me as a XXXX customer, that they refuse to provide me with required reasonable accommodations, they refuse to refund me the XXXX dollars I was shorted upon initially opening the account XX/XX/XXXX, When I requested free of charge checks to access the account they refused. As I stipulated PNC has absolutely no value for me as a XXXX customer or they would at least stop being so petty, refund the XXXX dollars I was shorted, upon initially opening the account XX/XX/XXXX, lift the online restrictions, that is currently on my account, since XX/XX/XXXX and provide free of charge checks to at least provide me with some kind of access to the account. This isn't an isolated incident, PNC imposed unreasonable restrictions on prior account, to limit my access in XXXX, | ||||||
| 12/06/2015 | Yes |
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| I was offered the PNC Cashbuilder card in a local branch with 0 % interest for 12 months. It was discussed that it so-uld be a good tool to aid me in paying for my upcoming move. I signed up for the card and carried a balance each month. Each month I was not charged interest as expected. Until last month, where I was charged {$20.00} in interest. I contacted PNC and the placed my issue through their escalations department. They ( XXXX ) requested that I show them the paperwork I have. Upon looking at the summary I discovered that it appeared I had been deceived and that the 0 % interest applied only to balance transfers. I explained the issue and my dissatisfaction with being tricked after 8 years of being a customer. XXXX clearly had no concern, and told me there was nothing to be done. I asked if I could close the card, and she obliged and let me know if an {$18.00} credit that would remain and be mailed to me as a check. This credit was NOT a reimbursement of the interest charge, she told me they would not credit the wrongful interest charge. I requested the account closed. Immediately after returning home from work that day I dug deeper into my statements and discovered the lack of prior interest charges despite carrying a balance which suggests that it was a no interest card. I also discovered that I had not been credited the {$120.00} in rewards that I had submitted weeks prior to this event. I immediately called XXXX back and left a message asking her to call me. After not hearing from her that day I emailed her the following day along with XXXX more voicemails on her direct line. It seems I am being taken once again. | ||||||
| 07/18/2019 | Yes |
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| Hello, I am submitting a complaint regarding a dual transaction for rent in the month of XXXX, 2019. My leasing office, XXXX XXXX, charged me twice for rent and I disputed the second charge with PNC Bank. I am disputing this second charge of {$1500.00} because PNC Bank provided me with an initial provisional credit for the amount. PNC reversed my credit because the bank claims it sent me a questionnaire requesting additional supporting documentation. In my initial dispute filing, I provided the contact information for the rent manager at this property because she agreed to communicate with PNC to confirm that the leasing office does not have a record of that payment. PNC neglected to contact the rent manager and is denying my request to file a new dispute to recover the funds because their 120 day period for dispute filing has closed. I never received the initial questionnaire PNC claims to have sent via mail and the bank did not share any reminders or an electronic form of the questionnaire even though I previously elected to receive electronic communication. Mail is frequently misplaced at my apartment complex and I still have yet to receive a questionnaire. I have visited a local PNC branch several times in an attempt to re-file the dispute but this was unfortunately not possible due to the 120 day time frame. I have included evidence of the double payment as well as information regarding my communication with the leasing office to request that PNC fully and permanently credits my account and removes any associated overdraft fees. Thanks for your support in advance and please inform me of any updates. Best, XXXX XXXX | ||||||
| 11/09/2016 | Yes |
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| I financed a car through PNC bank. I was required to open a PNC bank account when opening the loan account and keep a minimal balance there to cover the loan payments. As a responsible consumer I also singed up for automatic transfers from the bank account to the loan account on the payment date. After the first month, I noticed that there were XXXX transfers out of the bank account. This also caused me bank fees for the overdraft. I contacted PNC bank to complain. I was advised that I probably made the payment twice. I said that this was not correct, as I had only scheduled it once. They said that they would reverse the extra payment and fees. The next month, PNC again withdrew the payment twice. This time they also charged me a {$30.00} fee on the loan ( I assume because of the reversal ). I contacted PNC again. This time they told me that PNC automatically withdraws money from my bank account. I told them that without my permission it is fraudulent to do so. They said that it was in the contract. I said that they never advised me about the automatic transfer ( without my permission ) the first month and had they done so, I would have cancelled the auto pay that I set up. In addition, right after receiving the car, I had contacted PNC for a copy of the contract as I wanted to make sure I had the full copy, and there was no mention of an autopay in the contract that they mailed me. PNC said that they would look into it and reverse the charges. I have not heard back since. In addition, in order to reach them, I have had to call many times, send many email, and they rarely reply. What they are doing is Fraud and illegal. | ||||||
| 05/04/2022 | Yes |
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| New set of problems with PNC Business checking ( XXXX XXXX XXXXt ) Issue # XXXX : PNC is restricting my account in terms of how much amount of money I can get out of this account by ACH. There are no free checks provided and XXXX is limited so how somebody like me can do the business? When I talked to PNC local branch manager ( XXXX ) -I am told that buy some pinnacle kind of service to have higher limit, what? Why in the world PNC bank going to tell me how i should run my business and when I need to pay something and how much? if there is a fraud going on then it's fine but why otherwise? it seems PNC is just looking for creative ways to get money out from the customer. Issue # 2 : Some very basic stuff also - like knowing account # and routing #... it is not straight forward and I need to provide mobile OTP to get it. This is ridiculous. Issue # 3 : Customer service is never available. There is recorded message that it is 20 minutes of wait... NO even after 1 hour ... there is nobody ... then they say-you can provide your phone # to save your spot in line and we will call you back... I have got the calls after 4 days in the past. Issue # 4. PNC challenges me with questions - like what was the license plate number of the car that i was owning in 2005. Do you think that it is reasonable to expect that a XXXX years old guy will remember the license plate number of their car - may be 17 years back???? This is ridiculous. Issue # 5 : If i have setup a ACH out transaction in future and want to edit it then i can not, i can only reduce the amount of that transaction but can not cancel it. That's really so outdated banking. | ||||||
| 03/11/2022 | Yes |
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| So based on my online statements the fraud initially started around XX/XX/XXXX, in a form of payment to an account in XXXX in the amount of {$100.00}, also for the same amount on XX/XX/XXXX, on XX/XX/XXXX there were 3 fraudulent charges, two to XXXX XXXX which amounted in {$350.00} and then the XXXX to XXXX on the XXXX it was another XXXX to XXXX. It continues with a total of {$650.00} made to XXXX which I have no account to. Throughout XXXX the increments continued to get larger from {$100.00} to {$250.00} to {$500.00} until I had under the threshold in my bank. That is when my bank alerted me that something was wrong which was on XX/XX/XXXX when the fraud took over $ XXXX out of my account. the bank said they denied my dispute because I have a history with XXXX but I continue to tell them that it wasn't me. I believe the deposits from XXXX were intended to keep me from being aware of what was going on in my account. There were two separate deposits one for 1k and another for {$900.00} To this point, nothing was flagged or deemed suspicious to my bank 's eye, which is PNC. I also take part responsibility for not checking in on my account on a daily but I feel like my bank should alert me of suspicious activity on my account instead of alerting me when my account is under the threshold. That's the only reason I would have found out and done the dispute. The bank is telling me I am responsible but never alerted me of anything suspicious. I think PNC is a good bank and I didn't want to have to go this route but I was left with no other option. I hope all is continued once this gets settled, I'd like to stay with the bank. | ||||||
| 09/28/2021 | Yes |
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| I opened up an account with Simple bank in XXXX. In XXXX of this year, Simple closed and transferred my account to BBVA. I never received a BBVA debit card, so I planned to close this account and stopped funding it. On XX/XX/XXXX, I called BBVA support and was told that I could not close the account because there was a positive balance of {$7.00} and change. I asked for a check, and told this was not possible, but instead I needed to withdraw or spend the money. I don't have a debit card and there are no locations near me. I called back in early XXXX and was moved between 3 departments over 90 minutes and then hung up on. I called back, was told I wouldn't be disconnected, and was hung up on. On XX/XX/XXXX, I received a notice that I owed XXXX NSF fees, totaling over {$1200.00}. I called and was told I still can't close out the account because it is not a XXXX balance. The NSF fees were tied to XXXX transactions from weeks prior because I didn't change my back-up bank account. Please note that with Simple I did not have OD protection or ANY type of NSF fees. I never consented to OD protection/fees with BBVA. If provided the choice ( I wasn't ) I would've declined and allowed the transactions to decline. I called BBVA again on XX/XX/XXXX. I told them I want the account frozen and closed, and that I do not plan to pay these predatory NSF fees on an account I never wanted, for a service ( OD protection ) I never wanted, and for an account I had tried to close more than a month prior and was denied. The complaint has been escalated to Corporate as the agent I spoke with had no power to address the complaint directly. | ||||||
| 03/23/2016 | Yes |
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| XXXX, XXXX ; Application submitted to PNC Bank for a {$200000.00} Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( XXXX & XXXX ). The year XXXX had not, as yet, been filed but was available as soon as it would be filed ( in XXXX, XXXX ). Against our agreement, PNC declined my application ( see attached PNC letter of XXXX/XXXX/XXXX ). I immediately responded by my attached letter of XXXX/XXXX/XXXX, which is self-explanatory. After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the file was Closed for re-consideration and could not be re-opened because too much time had elapsed. My Credit Rating of XXXX, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of XXXX/XXXX/XXXX did not sway the Retail Escalation Manager. For the record, please note that my XXXX/XXXX/XXXX letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me. | ||||||
| 10/09/2019 | Yes |
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| Got a loan with PNC bank. https : //www.pnc.com/ They delayed payment of my loan after close by over 20 days. The bank stated they legally have 5 days to deposit funds. Below is a copy of my checking account with zero funds after the 6th day of closing. They insisted on cutting a check to my credit card but were unable to properly cut a check that large and mail it to the correct address. The check amount was XXXX {$20000.00} and the first check was cancelled from the corporate the second check sent to the branch was lost in the mail. Finally after 20 days they the branch cut me a check. I incurred additional fees and interest from my credit card during this time since the original check was cancelled in addition I incurred interest from the bank on the funds they didnt deliver. I was dealing with the branch manager, corporate office and the loan officer. Most of the parties involved stopped returning my emails as if the problem would go away on its own. I sent over 30 emails to various employees and made over 20 calls to the same people. My loan officer XXXX did was impossible to reach XXXX XXXX XXXX NMLS # XXXX Loan Processing Analyst Fulfillment, XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX ( p ) XXXX ( f ) XXXX XXXX They eslcalted my case to XXXX XXXX who simply stopped returning my calls after the 2nd check was lost in the mail XXXX XXXX XXXX XXXX, XXXX Client Relations PNC Bank XXXX : XXXX Fax : XXXX XXXX I was dealing with this branch who refused to provide the XXXX name after i stated i would file a complaint. Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, NY XXXX | ||||||
| 09/06/2016 | Yes |
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Web | Older American |
| To whom it may concern, I have been trying to obtain mortgage assistance on with my lender PNC and my investor -XXXX XXXX. I have provided evidence of my hardship and my financial situtation. My hardship was due to a car accident. I was force to pay out of pocket medical expenses. At that time I only depend on my fixed s.s income. Because I was force to pay for medical bills and other fees. I did n't have enough money to afford the full mortgage payment. I contacted my lender before my mortgage was in default and I was informed that I was n't delinquent enough to ask for assistance. I was trying to avoid a foreclosure on the house. My insurance has reimburse me back XXXX % of the fees that I had to pay. I do not have full funds to reinstate my loan, but I have enough funds to afford my mortgage payment. I have obtain a job, plus I have my fixed income. I can say with great confidence that my financial situation is stable. I have been trying with both my lender and Investor to obtain a modification. However they denied my modification because they do not have enough authority to make a decision on the loan. I feel that I 'm been discriminated because of ethnicity and age by PNC and XXXX XXXX XXXX. My monthly gross income is {$5000.00} and my monthly expense including the mortgage payment are {$2800.00}. Plus, I have money saved to pay additional fees if need. My goal is to keep my home and pay what I owe. I writing to you because i feel like my request for mortgage assistance is not been review property. I 'm hoping that you can reach out my lender and investor and investigate. Thank you in advance for all of your help. | ||||||
| 06/09/2016 | Yes |
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Web | Older American |
| I am writing this in regards to my loan application that was declined by PNC bank. They already gave me the {$81000.00} in 2006. In XXXX i submitted an application to convert the load from a HELOC to a XXXX mort. as they had contacted me telling me the loan was coming due and needed to be renegotiated., so i complied and submitted all my information. When i initially applied i wanted to be sure they knew what had happened on my first mortgage, that i had been contacted by XXXX and they had offered to modifty my loan by {$120000.00}. In the decline note from XXXX XXXX she stated " that i had a modification on the HELOC which is incorrect ''. I was startled and amazed to the point that when XXXX offered the modification that i sent the documents to my attorney to review to be sure this was not a scam. She told me to sign and return them immediately and that they were one of the banks that had their hand slapped and " lucky me '' I was one of the lucky ones to benefit. It does not feel as much like a benefit now. I am a XXXX old, single woman, and I want to retire but i need this in place so i may but now that PNC has declined my app due to the modification I will be in a very difficult position. Why would a bank that has already given me the money 10 yrs ago turn me down now, my credit score is XXXX, i am making double payments to them and have not had a late payment in many years anywhere. I need help, how can i get a loan for XXXX when the bank that already gave me the money turns me down. Why would a modification that i did not apply for affect my situation? Please help me any way you are able. Thank you XXXX XXXX | ||||||
| 03/13/2023 | Yes |
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| On XX/XX/23 I closed/ payoff a business line of credit with PNC bank XXXX The Payoff Disclosure document contained " exhibit A payoff information ''. The charges were assed as follows : " Other fees '' {$170.00} ( with no description of fees?? ) & {$94.00} in late charges all of which were waived by the bank during the ~20year course of the line of credit. I initially spoke with PNC case manager on XXXX by the name of " XXXX XXXX '' for an explanation of the charges. During this date & all subsequent dates of contact with the case manger the same activity took place. I would be put on hold several times during the call while they claimed they were reviewing my account. On every single occasion she would come back to the phone and tell me they did not find any " exhibit that referred to my complaint & further investigation would be required. I was continually told someone would get back to me in a 48hrs of the contact, " which never happened ''. I spoke to XXXX XXXX on XX/XX/23 who indicated she would request copy of the " payoff letter '' and of course said she would get back to me, " which again it never happened '' I filed a complaint in a follow up PNC survey last week. & XXXX XXXX responded to the survey she would be contacting me soon ' to date I have heard nothing. In conclusion this matter is appalling and shows the shear incompetence of their inability to resolve simple issues. A case manger that can't retrieve a closing document from her own bank is pretty pathetic. PNC bank has no intention of providing a refund or a plausible explanation of these charges. As far as I'm concerned this is '' theft by taking ''. | ||||||
| 08/30/2021 | Yes |
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Web | Older American |
| A deposited {$55.00} check to PNC checking from XXXX XXXX was erroneously returned. I resolved the issue with XXXX and explained to PNC the error by XXXX. By returning the deposit of {$55.00}, transactions were returned, assessed {$36.00} return as well as return deposit fee of {$12.00}. Now, on XX/XX/XXXX, a deposit to PNC checking for {$150.00} was placed on hold and still on hold today XX/XX/XXXX. This profiling my account by holding the deposit amount has caused returned items and additional {$36.00} fee. My account is still held in an overdraft status due to the hold. PNC has held deposits, without cause, prior to this because of coding or profiling and I had to file a complaint and go through hours of proving that particular check, from a Money Order refund, was valid. Millions of checks are deposited by customers but my deposit was coded. On XX/XX/XXXX, I received a letter from PNC stating a 5 day hold was placed on the {$150.00} deposit. The reason was information from paying bank indicates check may not be paid. This is false as there were more than sufficient funds in my XXXX XXXX account. There could not be such an indication and PNC is wrong on this and sending me false information. The check for {$150.00} cleared my acct at XXXX XXXX on XX/XX/XXXX. I expect the fees 2 x {$36.00} and {$12.00} return deposit fee be refunded. I am opted into the Overdraft Protection, however, PNC chooses not to pay the transactions. I expect a refund of at least {$82.00}, the hold removed immediately and my account brought to a positive balance. I also expect to have special treatment and profiling my account removed. | ||||||
| 01/06/2016 | Yes |
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| We have applied for a loan to refinance our home. In XXXX XXXX, we had to file Ch XXXX Bankruptcy to stop foreclosure of our home due to tremendous loss in my income due to economy. At that time, we were behind on our mortgage with National City Bank and they had started foreclosure proceedings. Of course repayment of all payments in arrears to National City Bank was a part of our bankruptcy payments made. I have confirmation from my bankruptcy attorney that we started that process on XXXX/XXXX/XXXX as ordered we paid all payments in arrears with NO delinquent payments during bankruptcy repayment. Our bankruptcy was discharged on XXXX XXXX and by that time we were current with our mortgage which was by then sold to PNC Bank. On our credit report now it shows that we were still in foreclosure after the completion of bankruptcy when we were current on our loan. The credit report now shows us in foreclosure for months XXXX XXXX to XXXX XXXX. We wrote to PNC mortgage and they said we were referred to foreclosure on XXXX XXXX, XXXX and removed from foreclosure on XXXX XXXX, XXXX. How can they keep an account in foreclosure status when they have agreed to accepted the payments for all payments in arrears as per bankruptcy documentation and we were current on our loan since XXXX XXXX. The fact that we are shown as in foreclosure after the bankruptcy means for us that we can not re finance our home for 3 years after they have removed it from foreclosure which means XXXX of XXXX. I think this is UNFAIR to consumers and see no reason why our account was held in foreclosure after receipt of deficiency and payments made as agreed. | ||||||
| 03/25/2021 | Yes |
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Web | Older American |
| XXXX HAS ALL THE PROOF THEY NEED TO REMOVE THIS FRAUD ACCOUNT FRO MY PERSONAL CREDIT FILE AND STILL THEY REFUSE TO REMOVE IT. I HAVE PRODUCED POLICE REPORT, FTC REPORT, COURT DOCUMENTS, ARREST REPORT AND STILL ITS ON MY CREDIT FILE. THE ADDRESS UNDER THIS ACCOUNT IS FRAUD AND ACTUALLY THE ADDRESS IS DOCUMENTED IN SOUTH CAROLINA WITH THE XXXX XXXX AND ATTORNEY GENERALS OFFICE AS A BLACK MARKET ADDRESS BECAUSE ITS A PARKING DECK IN DOWNTOWN XXXX AND SO MANY PEOPLES IDENTITY IS USED TO RECEIVE STOLEN CAR LOANS. XXXX KNOWS THIS AND IVE SHOWN PROOF AND STILL NO REMOVAL OF THIS LOAN. THE GENTLEMAN WHO WAS CHARGED WITH BUYING A TRUCK IN MY NAME USING PNC BANK IS ACTUALLY A PNC BANK OFFICIAL. SO PNC BANK IS PROTECTING HIM BECAUSE OF LEGAL ISSUES. ALL I WANT IS THIS ACCOUNT TO BE REMOVED AND BLOCKED LIKE IT IS ON XXXX AND XXXX. PLEASE REMOVE OF LEGAL ISSUES WILL COME. IM A XXXX XXXX XXXX AND IVE NEVER SEEN A BANK OR CREDIT BUREAU BEING SO WRONG AND BREAKING THE FEDERAL CREDIT GUIDELINES. I ASKED THE BANK SEVERAL YEARS BANK TO PROVE THIS LOAN WAS MINE AND THESE NEVER RECEIVED ANYTHING! XXXX YEARS AGO THERE WAS ANOTHER LOAN THAT PNC BANK GAVE TO SOMEONE AND USED THE SAME ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX AND XXXX AND PNC BANK REMOVED THE ACCOUNT AND BLOCKED THE ADDRESS AS FRAUD BUT NOW THEY REPORT IT AGAIN ON MY CREDIT FILE. XXXX XXXX YEARS AGO VERIFIED XXXX XXXX XXXX WAS A FRAUD ADDRESS AND BLOCKED IT ON MY PERSONAL CREDIT FILE BUT NOW THEY REPORT IT BECUASE THE BANK SAYS IT CORRECT WHEN ITS ACTUALLY NOT. XXXX IS PROTECTING THE BANK VS THE CONSUMER AND IVE HAD A XXXX BECAUSE OF THIS AND LEGAL ISSUE WILL COME IF NOT REMOVED | ||||||
| 04/13/2018 | Yes |
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| My mortgage is through PNC Bank. I received a delinquent real estate tax bill on XX/XX/XXXXfor total of {$590.00}. The taxes were dueXX/XX/XXXX for the amount of {$540.00} I contacted PNC Bank and found out they used a company called XXXX to pay {$2600.00} from my escrow account to pay taxes on XX/XX/XXXX. I immediately contacted the Treasurers office and found out that my escrow money in the amount of {$2600.00} was used to pay another persons real estate taxes. OnXX/XX/XXXX the treasurer refunded {$2600.00} to XXXX due to XXXX requesting a refund. That money was never placed back into my escrow account. I found out that XXXX made a payment on my taxes on XX/XX/XXXX in the amount of {$540.00} ( which was the correct amount ). On XX/XX/XXXX XXXX requested a refund of the {$540.00}. The treasurers office refunded it and that made my taxes delinquent. On XX/XX/XXXX payments of {$560.00} and {$23.00} were received from PNC Mortgage to pay my delinquent taxes. As a result of these errors, my escrow account and my account with PNC Mortgage is totally incorrect. I have talked to PNC and they told me that it was fine because my taxes were paid. They tried to tell me that the {$2600.00} was not taken out of my escrow in XX/XX/XXXXthen I told them that it was because I can clearly see it online. They went on to agree that it was taken out and would have to be researched. I asked to speak with Corporate, but was told by 3 people that they do not have a number for Corporate at PNC. Im now very worried that I will never get back my escrow money or the extra interest and fees that I had to pay for a delinquent real estate taxes. | ||||||
| 07/23/2019 | Yes |
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| Earlier this year, in the spring time, I believe in XXXX, I was informed that my PNC Credit Card ending in the numbers XXXX was past due. This was odd, as I always pay my bills when I receive them. I immediately paid the amount past due. I couldn't find the bill. I receive paper bills and pay them with checks via regular mail. I know I am archaic, but that's just the way I do things and it's within my rights. After being unable to find said bill, I just assumed I had lost it or my mail person misplaced it, although I remained suspicious. I continued to place all my credit card bills in the same spot and keep a very close eye on them. This past week, on Friday, XX/XX/XXXX, I was contacted via telephone and informed that my payment was past due on the same credit card, ending in XXXX. This time, I knew I never received the bill. I have three other PNC credit cards and had received the bill for each of those three. Just not the one ending in XXXX. I paid the amount past due over the phone. After confirming I had never received a bill in the mail, I decided to file this complaint. I am concerned PNC is purposely doing this to either collect late fees or coerce me into setting up automatic payment from my checking account. They won in the last matter, I did set up automatic payment so this does not happen again. At this point, all I want is for PNC to remove any negative hits on my credit report from these two alleged late payments. I am fine with them keeping the late fees, they can have them. I just want these negative events off my credit score because I am not at fault for them because I never received my bill. | ||||||
| 05/23/2018 | Yes |
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| At the beginning of XX/XX/XXXX I called PNC to request an appraisal of my property with a purpose of removing mortgage insurance. Talk to them over the phone, got an official letter with a price for appraisal of {$590.00}. In the letter it said that I will be contacted by appraiser as soon as they receive funds. I send a check next day. Haven't heard from them. Check has been cashed but no phone call. I contacted PNC to find out whats going on. Over the phone a rep told me that they work only with one appraisal company ( which is not true ) and this company charges {$1000.00} for the service, so if I would like to proceed I need to send them an additional {$420.00}. Which I did. Appraiser came in about 2 weeks later, look at the house and was very satisfied with everything. At the same time house next to me ( an identical copy ) just got sold for {$370000.00}. In XX/XX/XXXX I got a letter from PNC saying that the appraised value of my house is {$350000.00} which bring my loan-to-value ratio to 76.57 %. The appraised value needed to come in at {$360000.00} to bring LTV to 75 %. They were asking me to send them a check for {$5500.00} to bring LTV to 75 %. Which of course I didn't. I've been trying to get an actual appraisal report from PNC for 6 month. Finally after another attempt around XX/XX/XXXX, it has been sent to me in XX/XX/XXXX. The comps that this appraiser used are completely wrong. Majority of houses that he looked at were 3 bedroom houses where mine is a 4 bedroom, also most of them don't have a backyard, mine has a good side yard all made up to perfection. The Zestimate on my house is {$400000.00}. | ||||||
| 08/07/2023 | Yes |
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| Initial claim against PNC filled on XX/XX/XXXX. XX/XX/XXXX - PNC called asking us to make a payment. Since we no longer have access to any of our old accounts, we requested a full detail of deposits and withdrawals. XX/XX/XXXX - received documents of all past accounts with balances only. No details provided regarding all of the deposits from our employment direct deposits over the last few months. Therefore, we have no way to verify the exact amount left on our account. XXXX - XXXX ( needed to make work arrangements to arrive late due to PNC employee regular schedule of office hours XXXX - XXXX, M-F ). Set up appointment to talk to XXXX XXXX, PNC executive client relations. At XXXX am, " XXXX '' called, stating XXXX had phone trouble. We were told we would need to make another appointment if we wanted to talk to XXXX. " XXXX '' stated PNC would not remove any type of hold or negative denotation until we paid $ XXXX they are stating we owe. She stated PNC will not do anything further regarding how the employee/teller accepted, cashed, deposited, and cleared our check twice without proper endorsement ( XXXX ). PNC is not taking any responsibility for wrong actions taken by it's employees. These actions are the ONLY reason any of this happened in the first place. PNC is also not providing details of our account deposits. We, the consumer, are the only party involved in this situation sufferings any consequences. Our credit scores have dropped over 200 points, we had to max out all of our credit cards, we lost car insurance, we can not open a bank account at any other bank, we are being reported as frauds. | ||||||
| 11/26/2018 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX email : XXXX I am using 2 PNC accounts in my name to receive benefits from 2 XXXX annuity contracts that are annualized i.e. paying out for lifetime. Account Numbers : XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX Routing Number : XXXX I was a permanent resident in the XXXX until XX/XX/2008. Since then I live in XXXX. PNC has not managed or is not willing to update to XXXX address. They have been sending statements and replacement card to XXXX for one but not the other account. For this account I have not been able to receive a replacement card - presumably because they insist sending it to the old XXXX address. They also claim the card they send somewhere has been activated ( if so - not by me ). PNC advised to report the card that never arrived lost / stolen. Now they obviously issued a new card and sent it to the old address again. There have been endless internet-interactions about this point since XXXX this year but it just does not seem to be possible to a ) change address coherently to the XXXX one I am using for 10 years now b ) send card to new address I fail to see the difficulty. This accounts have been active for > 10 years. I never choose PNC actively. They took over the 2 XXXX community banks I banked with before. I enclose activity reports for this year - so you can verify we are talking about real - active accounts. Your are welcome to forward anything I submit here to PNC - preferably a person with a solution oriented mindset some way up in the hierarchy of that outfit. | ||||||
| 04/28/2022 | Yes |
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| Nearly three weeks ago, I deposited a XXXX check into my PNC account. The account was then immediately restricted. Initially, I was told it was until the check cleared. A week later, after it cleared, the restriction was still in place. They then told me theyre reviewing the account history and the only access I would have to the funds would be to go into a branch, have a banker call them to lift the restriction temporarily, withdraw some funds, then theyd put the restriction back on pending their review. On Monday, XX/XX/XXXX, I went into the branch to withdraw the funds I would need for the week. I was told the account was closed XXXX minutes prior and that I was mailed out a check. I asked PNC bank to stop payment on the supposed check they mailed to me ( when the account was closed less than an hour before ), allow me to withdraw the funds or at least what I need for the week, and they refused. This has caused a nightmare for me, both professionally and personally. First, all of my credit card and loan payments were returned causing me to incur returned payment fees and late fees with creditors while also putting those accounts in restricted status. Second, because I work in sales and Im required to buy lunches or dinners for potential clients, having no access to my funds, and being unable to use my other credit cards, I am unable to perform my job, which is now in jeopardy. So I am looking to go after them as this has been ongoing for XXXX weeks and is now jeopardizing my career. They also did not warn me that the account would be closed and allow me an opportunity to withdraw some, if not all, funds. | ||||||
| 03/17/2022 | Yes |
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Web | Servicemember |
| On the XXXX of XXXX, I went to the XXXX gas station On XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and tried to withdraw XXXX, from a PNC BANK ATM using my bluebird card. I then realized I had to move my money out of my savings account to my checking first. So I canceled the transition. Using my cell phone, I moved the money out of savings into my checking account put the card back in the atm ask for the XXXX an waited! ( Nothing came out ) so I reopen my XXXX app looked in my checking account to find the money was gone then looked back at the atm to see a statement saying Temporary out of service I took a picture and then called XXXX a investigating was started Hi XXXX XXXX, We have concluded our investigation of the following dispute : Transaction Details Case Number XXXX Amount {XXXX Merchant ( XXXX ) PNC BANK We have completed our review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested ; there is no error found in the amount of {$XXXX}. XXXX part After submitting my complaint with pnc bank by Consumer Financial Protection Bureau they investigated and found fault on their side and did a chargeback. I then contact bluebird to reopen the dispute and gave them the information and document that show i was to be issued back my XXXX. XXXX sent me a letter saying pnc didn't return the money that have completed their review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested. | ||||||
| 08/19/2021 | Yes |
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| I was reviewing my bank account, on XX/XX/XXXX, I noticed the following transactions : XX/XX/2021, two {$500.00} and {$20.00} debits, as well as the following : {$3.00}, {$9.00} and {$10.00}. On XX/XX/2021, the following unauthorized charges made against my account {$9.00}. I contacted PNC immediately by phone. The person on the phone told me that they would cancel my card. That following Monday XX/XX/XXXX, I went to my local PNC branch and informed them about the information that I disclosed to the hotline. I was issued a new card. I was informed that the charges had not posted, and that I should come back when they do. On Tuesday XX/XX/XXXX, the charges were cleared, and I filed a dispute with the bank for the total of the unauthorized charges totaling {$1000.00}. I was issued a provisional credit for this amount, while the bank investigated the matter. I wanted to file a police report, the personal banker, XXXX, said that it wasn't necessary. On XX/XX/XXXX, I received a letter from PNC ( dated XX/XX/XXXX ), saying that they determined that the dispute was resolved and that " no error occurred ''. In the letter, I was informed that I had the right to see the documentation that they used to make their determination. They have neither furnished me with documentation or rationale. Furthermore, they refused to honor my request to close my account and open a new one, or refund my money. They have stated that they are re-opened an investigation, what ever that means. I also filed a police report and contacted the FTC at the advice of the XXXX Police. The police took a report, and I am following their directions. | ||||||
| 12/07/2019 | Yes |
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| Before lodging this particular complaint I decided to review my previous complaints and from their very first response they were incorrect! I let them know right away that my partner had passed away and they completely cut me off and quit talking to me. I sent them fax after fax to prove I was the sole deed holder with no response. They wouldn't even confirm whether or not they'd received my faxes for years, yet they stated I didn't let them know this for years. They also stated they had updated my files their second foreclosure attempt but apparently hadn't. They also took my personal checks to pay the mortgage for almost 5 years til one-day out of the blue they just sent my payment back, not 3 years til I couldn't make my payments anymore. And they stated that I was trying to get a government program to help me but requested postponement of my foreclosure to see if approved when I had their approval more than once but was refused by the bank and the final time I just needed an additional week or two for the actual approval let yet was already approved!!! My complaint now is that they have stated they need more time to investigate this matter over a month ago and from previous experience I know they will either blow me off indefinitely or they will make up whatever they have to in order to close this case whether true or not. Thank God I have CFPB to supervise this or they would leave this complaint as unreceived, and/or resolved indefinitely!!! Bottom line is they stole my house!!! Never acknowledge, talked to, or assisted me in any way to help me AT ALL!!! I would now like them to respond!!! Thank You!!! | ||||||
| 03/17/2020 | Yes |
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| I want to give an information about imposter related to wire scam using your bank. I met a person who I fell in love. He said that, He went to XXXX for work.He said that His wallet was stolen by his workers including credit cards, driving licence and passport. So I believed him and I sent him XXXX USD on XX/XX/2020 to PNC bank account to XXXX XXXX XXXX. He asked me to send the money to the different account numbers he provided from money agent in XXXX. He told me his bank account was blocked and he couldn't use his accounts. Because he was in XXXX. He had to go to the bank personally to open his account. Because of his contract he could not leave XXXX before he paid the workers 's expenses. I tried to help him. But Later I checked his bank account web site that he sent to me was spam. Then I understood everything was fraud. He lied to me. I collected this money from my credit cards and getting loans. I did this transaction from my XXXX XXXX XXXX account, I filled a complaint file for XXXX XXXX related PNC Bank about wire scam XX/XX/XXXX XXXX. I attached the message part related to PNC bank and the invoice. It was wired to XXXX XXXX XXXX account number XXXX XXXX, NJ. The money was quickly released from my account. they had a friend in the PNC branch to release the money from my account quickly. Please help me. This is a wire scam. They have a big organization for cyber crime. They are trying to steal the money from people. I want to stop them to hurt the other people. You need to stop them using PNC Bank. Please try to get back this money from them, and wire to my account. Thanks for your help. Best Regards | ||||||
| 06/06/2016 | Yes |
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| PNC Bank improperly debited my daughter 's virtual wallet bank account a $ XXXX monthly service charge for the months of XXXX and XXXX 2016, for a total of {$50.00}. PNC states the reason for the $ XXXX monthly service charge was that the " spend '' portion of her performance select virtual wallet account contained less than {$5000.00}. Importantly, my daughter 's entire virtual wallet account, including the " spend '', " reserve '', and " growth '' portions of the account, totaled at least {$11000.00} during XXXX and XXXX 2016. PNC 's own " Consumer Schedule of Service Charges and Fees '' dated XXXX XXXX, 2016 and available online at the PNC website, states, for the performance select account, " No Monthly Service Charge if you meet any one of the following : " {$5000.00} combined average monthly balance in this and up to XXXX additional linked PNC consumer checking accounts... '' Because the account had a combined average monthly balance of at least {$11000.00} ( more than twice the {$5000.00} requirement ), PNC 's rule is that there is no monthly service fee. Additionally, I maintain a linked PNC consumer checking account that would combine and add even more to the total. The XXXX and XXXX 2016 monthly service fees totaling {$50.00} are improper under PNC 's own Consumer Schedule and must be refunded to my daughter 's account. PNC is charging consumer account fees without notice and providing consumers with false Schedule of Service Charges. Despite increasingly escalated requests, PNC has refused to return the {$50.00} to my daughter 's account and has stopped returning my telephone and email inquiries. | ||||||
| 12/17/2015 | Yes |
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Web | Servicemember |
| PNC Bank cleared a check in the amount of XXXX dollars on XXXX XXXX, 2015. It was for a new part time I job and I had a representative verify the fund with XXXX. The branch manager confirmed the funds were available and that there would be no issue depositing the check. I told him a coworker had an issue and I wanted to be extra sure. The branch manager then told he that the check had already posted to the account and that there would be absolutely no problems with depositing the check. The XXXX XXXX representative confirmed the issue as well. I called into the call center twice as well to confirm that there was no issue with the deposit. The call center representatives both confirmed no issues on XX/XX/2015. On the XXXX XXXX, 2015, I noticed a large withdrawal on my account in the amount of the check. I did not receive any communication from the bank about any issue with the check or with my account. Because it is close to the holidays and I had been assured there would be no problems with the transaction several times, the funds were not in the account and it caused my account to overdraft. When I went into the bank to figure out what was wrong, I was informed there was an issue with the deposit. Apparently the check was fraudulent. I called the issuer to notify of the issue and filed a report with the local police. I asked if there was anything else I could do with the bank to make the account right, and they told me it was my fault. Despite verifying the funds several times, I was supposed to know the check would not clear. They refused to take the police report and to assist with the issue further. | ||||||
| 08/08/2023 | Yes |
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Web | Older American |
| I have been working with PNC Bank since XX/XX/XXXX to get Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX. I was informed on XX/XX/XXXX that I could not get forbearance of the loans from PNC Bank. I have been working with the North Carolina Home Owners Assistance Program, XXXX and XXXX XXXX, XXXX XXXX since XX/XX/XXXX to remedy the payment of the two Home Equity loans : XXXX, XXXX. I still have a case pending with the North Carolina Home Owners Assistance Program, XXXX XXXX, Case Manager. PNC Bank has refused to assist me with the Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX to date. I have received several packages from PNC Bank citing filling out applications for Hardship/Forbearance for the two Home Equity loans : XXXX, XXXX on several occasions. I sent in Hardship/Forbearance application packages on XX/XX/XXXX and XX/XX/XXXX to PNC Bank Loan Dept . My two contacts are XXXX XXXX and XXXX XXXX @ XXXX ext. XXXX. The PNC Bank address is : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX. I am currently unemployed and can not send payment for the two PNC Bank Home Equity loans : XXXX, XXXX. Can you please provide assistance with the two PNC Bank Home Equity loans : XXXX, XXXX? See latest correspondence with PNC Bank on XX/XX/XXXX : Dear XXXX : We are in receipt of your email and attachments. At this time, we are unable to provide you with detailed information via email. If you need additional assistance, please call XXXX and follow the prompts. XXXX XXXX on behalf of XXXX XXXX. PNC Bank Phone : ( XXXX ) XXXX Fax : XXXX Email : XXXX PNC Mortgage XXXX XXXX XXXX XXXX, OH XXXX | ||||||
| 06/27/2023 | Yes |
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| PNC Bank operates in the most unethical and illegal manner to boost their profits and injure their clients. My mortgage payment was adjusted ( up to cover escrow payments ) and they failed to inform me. They have my phone number and email address -- they never left a voice message, no text, and no email. When I sent my monthly mortgage payment, they deducted funds from my escrow to cover the changed amount -- I was not informed they took this money from my escrow that pays property taxes and insurances, not the bank itself. Still unaware of what's going on, I sent my next monthly payment. This time they did not apply my payment, I am unaware for several weeks. It came to my attention when I received an email from a credit reporting agency that the PNC Bank account was late. When I called the bank, they told me they returned my 2nd payment -- however, several weeks had passed and I never receive a check. When I became aware of this problem, I immediately called the bank and resolved the matter on the phone ( paying a trivial $ XXXX ) to bring the account current. Yet, PNC bank charged late fees and withdrew funds from my escrow to enrich themselves and damaged my credit with late payment reporting. All this happens because they ( intentionally ) failed to notify me. This practice is a business process to enrich their bottom line -- they have several methods to communicate with their customers instantly and intentionally disregard them to enrich themselves. This has happened to me before, PNC Bank is ripping-off their customers across the board using non-communication as a business practice to trigger fees. | ||||||
| 05/24/2019 | Yes |
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| A tree fell though our house six weeks ago. Because we still have a mortgage with PNC, the insurance agency wrote the check to both us and the bank. It has been five weeks that PNC has had the check. They sent us a " document Package '' containing all of what THEY require before they will give us the money to stabilize and rebuild our home. PNC has never contacted us to inform us of any issues with the documents. We have contacted them at least twice a week to see when we can expect the needed funds. EVERY TIME we have contacted them, they claim one of the required documents is not right. We have always instantly responded and uploaded the changes or requested information. We have begged, requested and demanded that they tell us exactly what we need to submit and for five weeks, EVERY TIME WE CALL, there is another issue. We have escalated our concern to highest level of management today but do not expect any resolution soon. We have spent thousands of dollars of our own money to help stabilize and reconstruct our home. We just opened another line of credit so we can purchase supplies for the construction company. The construction company is now threatening to move on to other projects because of the financial delays. We also now are dealing with mice and other animals that have decided to live in our walls. The insurance company is requesting explanation for delays as they are paying for us to live in a hotel room. PNC delay is also causing further deterioration of our home. My wife and I have experienced emotional and physical issues because of their behavior. They have all the needed documents. | ||||||
| 09/28/2017 | Yes |
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Web | Servicemember |
| To whom it may concern : I applied for a loan modification with PNC in XX/XX/XXXX. My loan is a portfolio loan which is not owned by XXXX or XXXX and does n't qualify for HARP so options were to sell, refi ( but bring money to the table ) or modify the existing loan. On XX/XX/XXXX I received a trial payment condition in order to qualify for the loan modification. 1st payment {$900.00} .... I paid XXXX on XX/XX/XXXX 2nd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX 3rd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX ( I paid extra ) On XXXX I received a check back from PNC for {$790.00}. stating I did n't pay the amount in full. On XX/XX/XXXX I sent {$990.00} to PNC to ensure that my payment was covered ( this extra was to cover the fee they added ) When I received my loan modification paperwork - the terms were not what I wanted or agreed to, so I did n't except their offer. In XX/XX/XXXX my credit report is showing that I was over 30 days late for my XX/XX/XXXX payment. Now that I have a 30 day late I ca n't refinance my mortgage with any lender for a year. I feel that they set me up to fail so they could keep my loan to service for another year. Now I understand that the loan modification paperwork states paid by the XX/XX/XXXX of each month but if you listen to the recorded phone calls made by PNC their customer service reps state as long as its paid within the month. I made not have made the payments on the XX/XX/XXXX, but they were NOT 30 days late. Please see attached paperwork and bank statements showing that the funds cleared prior to the end of XX/XX/XXXX. Thank you in advance. | ||||||
| 04/21/2023 | Yes |
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| On Friday XX/XX/23 I submitted my mortgage payment. I noticed on Sunday XX/XX/23 I never received a payment confirmation and grew concerned. So, I called my mortgage lender PNC Bank because I was concerned about incurring a late fee, but I was also worried about a double payment if the payment was submitted. The employee told me he was not showing any submitted payments on his end and I was good to make an online payment or make payment over the phone. I opted to make an online payment. The next day XX/XX/23 I noticed two payments taken from my account and it was overdrawn nearly a XXXX dollars. I immediately took off from work to make phone calls to handle this situation. No operator I spoke with seemed real interested in helping me and they all seemed convinced it is my fault. I then called PNC Banks executive office. I was informed by XXXX XXXX that I could either get a check in 7-10 business days or get a letter of guarantee from my bank and get a wire transfer within 24-48 hours. Neither were a great option since I had no money because of their incompetence. But they insisted this was the only option. On Tuesday XX/XX/23 I tried via email and phone to get a hold of XXXX XXXX but failed, so I lost another day there. I finally spoke with her Wednesday and she informed me I was missing a voided check to start the process. I was frustrated but gave her the check picture she needed, and she informed me it would take 24 hours to process. And here we are present time almost 48 hours later no money refunded and an armful of excuses from PNC Bank blaming other people. All while my family suffers financially. | ||||||
| 03/28/2018 | Yes |
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| On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX regarding jersey numbers only. The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX in my eyes. | ||||||
| 10/21/2023 | Yes |
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Web | Servicemember |
| Scammed of {$75000.00} Hi! This is going to be a long story, and a bit confusing. But I was scammed out of {$75000.00}, and the individuals responsible were arrested this week. In 2022 I decided to sell my extra car because I was quitting my job to open my business and a {$1200.00} car payment just wasnt realistic. I posted my car on XXXX XXXX and eventually a buyer messaged me with a reasonable offer. I responded, we chatted for a couple days, and the transaction took place. Due to him being out of state, I called my bank directly and then I patched him in on a third-party call. He gave his information to the bank and the transaction went through. Im relatively aware of the scam, so I waited a few days to hand the car over. I called the bank and they informed me the funds had cleared, my loan account was closed, and the title was in the mail. 2 weeks later, the same day I received the clear title in the mail, the bank called informing me that the loan account was reopened and they need me to return them my title. I informed them my car was sold and no longer in my possession. I called the police and filed a report, then called my insurance. Upon talking with insurance I remembered I have XXXX on the car. I found the car in XXXX and had it recovered by the PD. Many fees were accrued in the process, as well as damage to the car. Each time Id call the bank and ask for an explanation, the teller would look, go silent, stumble over their words, and inform me they can not speak on any details. They can only inform me that I am financially responsible for the entire amount remaining on the vehicle. | ||||||
| 05/01/2023 | Yes |
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Web | Older American |
| On XX/XX/2023, I took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX I was not happy with the services provided and several days later contested the charges of {$180.00}. The vendor/merchant XXXX XXXX agreed with me and agreed to waive these charges entirely ( COPY OF EMAIL BELOW ). I submitted this proof to PNC XXXX XXXX XXXX XXXX, XXXX, Pa XXXX PNC BANK refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges. HERE IS A COPY OF THE EMAIL WAIVING ALL CHARGES : XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, I hope XXXX is doing well with no changes due to his XXXX and that the XXXX like growth on the shoulder has healed. I am upset by your letter and invite you for a conversation. I will waive your bill as a gesture of good will. I have worked with four other veterinarians that have also used this first generation Cephalosporin topical on dogs, cats and horses, all as an extra label use. There has not been any contraindications with XXXX and or geriatric animals anywhere in my literature search or noted by the XXXX XXXX veterinarians I reached out to for this important information. This was chosen for ease of use and compliance of treatment. I realize your disappointment with your experience and again invite you for a conversation. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX | ( XXXX ) XXXX | XXXX XXXX | ||||||
| 08/13/2018 | Yes |
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Web | Servicemember |
| a. We received a letter dated XX/XX/2018 indicating that PNC was changing our account number with the new enhancements that were being completed on their computer systems. ( XXXX XXXX ) b. Received letter on XX/XX/2018, XX/XX/2018 and XX/XX/2018 that our payments were past due. c. Each time my wife or I contacted PNC and talked with various customer service representatives regarding this issue. We indicated on each occasion that our payments were on time, processed and verified by our local credit union. Payments were made electronically and documented since receipt of the XXXX letter. d. Again I called PNC after receiving their latest letter dated XX/XX/2018. Spoke to ( 2 ) customer service representatives and indicated that payment was made and I was in possession of documentation from my credit union that indicated that once again they had received all payments. The first Rep was XXXX XXXX and the second was Supervisor XXXX XXXX. Mr . XXXX indicated they was assign a case manager that would get in touch with us via a cell phone number that was provided. As of the date of this complaint wer have not heard from PNC.. To date no response from PNC. e. Attachments provided that clearly indicated that PNC has received all payments in a very timely manner. Payments are not getting credited for weeks and in some cases over a month. Consequently, we continue to receive letters indicating payments are past due. We very much appreciate you assistance in this matter. It appears that no matter how many times, we call, or take time to go to our bank and provide payment information it continues to occur. | ||||||
| 04/24/2015 | Yes |
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| I attended and graduated from University XXXX XXXX in XXXX, Florida. I have a private student loan from PNC serviced by XXXX. In XX/XX/XXXX I contacted XXXX to find out how I can lower my monthly payment due to my low income. After several attempts with different representatives I was finally transferred to a gentleman named XXXX in the financial department of XXXX. He instructed me to fax over a written statement and supporting documents. The documents included a recent pay stub, copy of my XX/XX/XXXX tax XXXX, as well as income sensitive repayment request form. I faxed over everything as instructed. After 4 week I still had no feedback. I continued to make some kind of payment each month. I resent my paperwork again in XX/XX/XXXX and XX/XX/XXXX. Still no response. In an attempt to make a better yearly income, I went back to school to changed my profession. While in school I requested deferment of my payments. No response. In XX/XX/XXXX I received a letter from Attorney at law XXXX, XXXX, and XXXX debt collector. I faxed them back in XX/XX/XXXX That I had been making some kind of payment and that I had filed income sensitive repayment request to XXXX. I heard nothing back from them till XX/XX/XXXX they started leaving messages on the answering machine. I have no idea what has happened. I just was requesting a lower monthly payment so I can stay on top of paying off my loans. XXXX monthly payments {$470.00} a month, my yearly income {$16000.00} per year. I do n't know where to turn. I continue to request lower monthly payments till I can get my career on track. I take my state XXXX exam in XX/XX/XXXX. | ||||||
| 04/10/2018 | Yes |
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Web | Servicemember |
| I received my XX/XX/XXXX credit card account billing from PNC Bank. I made one purchase, on my credit card, in the amount of {$20.00} and they charged me interest of {$.00}. But I noticed they also charged me a minimum interest charge of {$1.00}. When I called PNC and inquired about the {$1.00} I was told that this is company policy. So because I didn't meet their policy of at least purchasing and amount on the card to cover the {$1.00} they charged me, at a profit for PNC of {$1.00}, in which I received no benefit what so ever. I was so irritated by the reason I got from their representative that I closed the account. How is PNC getting away with this when they charge you extra money when the consumer gets no benefit as to purchasing an item on their card? I wouldn't have noticed the charge if I had not looked at my bill from XX/XX/2018 closer then I usually do. I would assume that other PNC customers are not noticing the minimum charge and that is why I am complaining both for myself and other customers as well. And I did not appreciate the representative 's quote of, " It is company policy. '' How many times have I heard that when a customer has a complaint. Anyway my complaint ; as to how PNC gets away with charging a minimum interest and if you don't reach the minimum interest charge you still have to pay them interest with no purchases on my part. And it is all profit on the bottom line for PNC. And what if you don't use the card for a certain billing month they still charge you {$1.00}? I have a couple of charge cards that do not have a minimum charge and I will continue to use them. | ||||||
| 08/20/2015 | Yes |
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Web | Older American |
| I have an account with PNC Bank a/c # in XXXX FL. On XXXX/XXXX/2015 I noted a pending premature charge of {$74.00} from XXXX ( # I had authorized them to charge my account on XXXX ), however they processed it early. I called the bank to advise that the charge should not be paid, as it was early. They said there was nothing they could do until it was actually charged and to call back after the charge was posted. I called XXXX and they admitted the charge was early. ( recorded conversation as they always advise ) Today it posted and I called and on a XXXX, XXXX said they would refund the charge. The bank charged me {$36.00} for an overdraft fee which the refuse to reverse. This was not my error but the bank said their policy was not to refund OD charges ( XXXX, XXXX, XXXX, XXXX ). I spoke with a supervisor ( XXXX ) who said the same thing. XXXX claims that I authorized the premature charge but I clearly stated the policy should begin on the XXXX of XXXX. I asked for printed proof of the early authorization to charge but i was not available ) Both are unclear about who is responsible for refunding the fee. I am a senior citizen on Social Security and {$36.00} means a lot especially a week before my next payment. I think the bank should do the refund as I advised them in advance not to post the charge ... they did anyway plus the OD charge and no one wants to make me whole ; refund the {$36.00}. .Whoshould do it ... I think the bank should, I told them not to process the charge in advance and they did anyway I need the {$36.00} I do not need to give away money like that..I did not make an errorThank you | ||||||
| 09/28/2017 | Yes |
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| Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe. | ||||||
| 11/04/2016 | Yes |
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Web | Older American |
| This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from Visa Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using Visa Checkout on XXXX/XXXX/2016 ) XXXX. PNC Bank Statement-XXXX ( showing amount of {$10.00} ) Sine XXXX I have called PNC bank and Visa checkout several times. After calling PNC | ||||||
| 02/15/2023 | Yes |
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| On XX/XX/XXXX, I filed a dispute with customer service over fraudulent charges to my account. They said it had been filed and I would need to go to the branch. I went to the local branch and the assistant bank manager ( whose name I can not remember ) said they had indeed filed the dispute but they missed on transaction so she filed the dispute on the XXXX charge. I asked when I spoke to customer service about my incoming deposit on the XXXX and was assured that I would be able to get the deposit out. I also asked the assistant bank manager who told me that I would be able to get the deposit as well. On the morning of the XXXX, I called the bank to make sure that I would be able to get the deposit and was told that the original dispute by customer service was never done and the over {$1400.00} I had in my account at that time was taken and applied towards the negative balance. I was also told that the deposit that I was assured I could get was also taken and applied to the negative balance. I had to refile the dispute on the 7 transactions of fraud again since it was never done to start with. The last lady I spoke to said she talked with another department to " try '' to expedite a refund of the over {$1800.00} deposit but it would take 24-48 hours before I would know anything. This isn't the first time I have had to change my debit card because of fraud. I have to change it ever 3-6 months because of their laxed security. They have put my family in a financial bind and we are at risk of losing everything because of this. I spent XXXX hours on the phone with the bank and nothing has been resolved. | ||||||
| 10/22/2022 | Yes |
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| I have the PNC Smartaccess card. On XX/XX/XXXX a purchase was made for {$440.00} that I did not authorize. I called the same day and reported this charge and had a dispute started. I called everyday since to try and receive my provisional credit that is due to me, but was told each time that it either denied and I had to wait, or that my concern would be escalated for hardship as I couldn't pay my bills with that much money missing. Upon reading my terms and conditions of my card it states that if their investigation was not competed within 10 business days, they WILL provide a provisional credit. After being told my terms didn't say this, I read word for word what they said, and upon looking they admitted I was right, yet still refused to issue my credit. I am currently on my 14th business day however. Yesterday I went into the branch and spoke with the branch manager Pam Peoples of the PNC branch on the corner of XXXX and XXXX XXXX. in XXXX, FL, who tried to call and help me. We spent 3 and a half hours on the phone getting the run around and transferred to 15 different people. She stated to them how they were legally obligated to give me the credit due to Regulation E, and it being in my terms and conditions, but they continued to evade it. All I want is my provisional credit, but they continue to evade me, making it impossible to pay my utilities for myself and my children. It's a legal obligation and it's in black and white in the agreement I signed with them. My next step is legal action as at this point they are breaking a contract and basically withholding my money from me, which is theft. | ||||||
| 11/29/2021 | Yes |
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| I used to have XXXX XXXXXXXX. This year this bank was sold to BBVA, who was then sold to PNC. Each time the software has gotten worse. The app has none of the budgeting features of XXXX XXXX. If you've ever changed over a checking account you know how much time this takes. The PNC app has none of the functionality of the XXXX XXXXXXXX app, it is far uglier and it shows me ads. It doesn't even accept mobile deposits. I have been trying to deposit my State of XXXX XXXX XXXXXXXX Stimulus check, but PNC will not accept a mobile deposit for my XXXX XXXX Stimulus check. They could have told me this, but instead they gave me an error message " XXXX XXXX Deposit Not Available at this Time ''. Last week I contacted customer service several times through their app, then got a " callback '' that rang for an hour each time. When I finally got a hold of someone on Monday morning ( A week after I have been complaining ), the first call was hung up on after XXXX minutes on hold. The second call was when I was informed that they do not accept mobile deposits from the State of XXXX. I talked to a supervisor named XXXX XXXX, who was absolutely unhelpful. Each time my bank has been sold this year I have spent the hours it takes to transfer over my accounts, and now I don't have any of the software that works. PNC bank does not pick up the phone to deal with customer service problems even. PNC bank should never have been allowed to purchase BBVA or XXXX XXXXXXXX. I believe this XXXX is dangerously under-capitalized. It has over-extended itself with merger after merger, and is going to go under at any moment | ||||||
| 09/02/2022 | Yes |
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| very dissatisfied with how the bank handled unauthorized charges. They claim to issue provisional credit and then place provision on the provisional while they 'investigate ' as though the guilty party will admit to price gouging. They act as though they are throwing crumbs and you better be happy or else when the misappropriation is not due to negligence or offsite forcing me into overdraft despite a history record of not going over on purchases made. in short, with no prior deception, I can not be trusted to tell the truth while the merchant is operating with impunity. One such case is withholding to investigate a charge made when more than XXXX miles away with purchases done the same day to prove it. What more evidence is there to have than hard facts? My XXXX status did nothing because they were told ALL is XXXX benefits and protected for well over an hour no amount of reason made me whole. It's just another way of making money like the wait for clearance of checks. It's reckless with the record rise of inflation resulting from the pandemic. Merchants pull cons like overcharging before, during and after yet given the benefit of doubt while the victim gets XXXX XXXX XXXX, every XXXX matters. I can't work overtime like regular people and I'm tired of the bias that banks often engage in like it's their money taken, not yours. Unacceptable conduct through no fault of my own is demeaning and counter-productive if the only beneficiary is the offender themselves. Interestingly, it is also why unscrupulous businesses do the act in the first place. Or the 'who would they believe " rhetorical question. | ||||||
| 04/08/2022 | Yes |
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Web | Older American |
| My property tax bill from XXXX XXXX for XXXX is {$720.00}. Because I have an active mortgage, this tax is usually paid by the mortgage holder, PNC Bank. I noticed while doing personal tax research that half of this tax bill for XXXX is still unpaid. The due date for the second installment was XX/XX/XXXX. I have contacted PNC several times. I have been given various excuses for the bill not being, all incorrect. Some staff have claimed there is an " extension '' for taxes for XXXX XXXX. There is no public announcement of any extension and no mention of an extension on the XXXX 's website. I have received no hard copy announcement of any " extension. '' Another excuse I was told was that they haven't received a bill for the second installment. I tried repeatedly to explain that there would not be a second billing because the bank was already billed for both amounts in XX/XX/XXXX. Then I was told the amount would be paid " some time '' this month, but with no explanation for why the payment was not made before XX/XX/XXXX. Late fees will begin accruing on this already overdue payment on XX/XX/XXXX. I have repeatedly told PNC I will not be liable for any late fees. They refuse to acknowledge any pertinent due date or explain why this payment hasn't already been made. I don't understand why they didn't just pay the entire amount last XXXX. I don't understand why they would deliberate let the payment go overdue. I don't understand why they are waiting to receive a " past due '' notice and fees when they've already been billed for the full amount. None of this makes any sense. Why won't they just pay it? | ||||||
| 12/06/2021 | Yes |
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Web | Older American, Servicemember |
| I have a Court Order, dated XX/XX/21, appointing me Guardianship of Estate & Person for my brother, XXXX, who has been determined, by XXXX XXXX, to be XXXX of XXXX XXXX XXXX XXXX. In my role as Guardian, I applied to the Social Security Administration to be " Direct Payee '' for my brother 's Social Security and Supplemental Security Benefits. On XX/XX/21, the SSA officially established me as my brother 's Direct Payee. My next move was to apply for XXXX for my brother to supplement his care. However, XXXX requires me to list my brother 's financial status, which includes the bank account where his SSA & SSI benefits have been being deposited. I contacted the SSA, and while they gave me a Bank name, BBVA ( now PNC ), and Account Number where the funds are being deposited, they told me that it is my responsibility to contact the bank and ascertain the balance, etc ...., in the account. On XX/XX/21, I visited the local PNC bank, told them of my situation and provided a copy of the Court Order and SSA letter appointing me as Direct Payee. The lady that I spoke with did locate the account. However, the address associated with the account is incorrect. She said that all correspondence from PNC Legal would be by mail. When I reiterated that the address was incorrect, she said, " well once the correspondence is returned due to an invalid address, that they would use the address on the SSA letter ''. Go figure? When I asked when can I expect to hear back from PNC Legal, she replied cynically, " there's no way to know when you'll hear from them. I visited the PNC branch again on XX/XX/21, with no results. | ||||||
| 12/08/2023 | Yes |
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| Our loan was sold to PNC Bank in XXXX. In XXXX we had an escrow overage in excess of {$4000.00}. In XXXX we once again have a year-end escrow balance overage in excess of {$5500.00}. At the time of our closing our county and city taxes were GROSSLY over estimated by out lender. We have owned this home since XX/XX/XXXX and have received our new property taxes calculated after the sale and adjusted for inflation. I was told by the customer service representative that our escrow account was not taking into account our homestead exemption " because we have to renew it annually '' BUT WE DO NOT HAVE TO RENEW OUR HOMESTEAD EXEMPTION ANNUALLY. To make matters worse when we have a {$5500.00} escrow OVERAGE PNC bank has chosen to increase out payments and keep {$2900.00} of our overage because WITHOUT ANY BASIS they believe my property taxes will increase over {$2600.00} next year once again due to the mistake made by the property tax calculation at our closing. EVERY OTHER MORTGAGE LENDER WE HAVE EVER HAD HAS ADJUSTED ESCROW SO IT DOES NOT RESULT IN A MASSIVE EXCESS BALANCE. INSTEAD PNC BANK IS CHOSING TO RAISE MY PAYMENT AND WITHHOLD OUR MONEY TO GIVE THEMSELVES MORE INTEREST-FREE FUNDS. PNC bank will not audit or review this escrow statement and wants me to PAY THEM a fee to close the account because they are GROSSLY overcharging me and withholding MY MONEY. I want either the escrow account payment corrected to a reasonable amount that will not result in a MASSIVE interest-free loan given to PNC bank annually by me and my husband or I want the account closed WITHOUT PENALTY due to their incompetence. | ||||||
| 05/27/2023 | Yes |
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| Pnc has been nothing but my worst nightmare. This by far is the worst servicer I have had since I took out my mortgage. Inhave been talking to XXXX but she has done nothing to my acct. She confirmed XXXX were never received by pnc however she was able yo confirm cenlar was holding on to the funds. This lady confirmed on XX/XX/XXXX XXXX has been holding on to the funds for months yet she has the audacity to tell they can not give me credit because payment was short well both pnc and cenlar put me in a situation where neither servicer was professional enough to assist me with missing funds. Pnc decided to do something as soon as I filed a cfpb. Is now XX/XX/XXXX and XXXX XXXX keeps holding on to the funds she has nor record anything to my acct. This could have been avoid if pnc was a good service and cared about the consumer they don't care they are going to mess up my history just because they did not do the work. I have been trying to get this resolved since XXXX yet is now XXXX and still dealing with their incompetence. I wish they would see what they put me through by not taking ownership since XXXX kept refusing to speak with me. They kept sending me back to pnc and pnc sending me back yo cemlat both servicers failed me. I hope XXXX XXXX does something and records funds that she already received. She confirmed all 3 payments were received and they were short I have offered to pay difference and she avoids me. I'm starting to believe she is setting me up for failure. Fix my account, do the right thing and record what was received. Stop committing fraud on my acct. I have had enough of pnc. | ||||||
| 02/14/2020 | Yes |
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| On or around XXXX I started paying additional on my mortgage each month this continued into XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XXXX XXXX - {$1200.00} Surplus Placed into a suspense account XXXX XXXX - {$1700.00} Surplus Placed into a suspense account XXXX XXXX - {$960.00} Surplus Placed into a suspense account XXXX XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 18 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. This issue is stll yet to be resolved. It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences. | ||||||
| 03/24/2023 | Yes |
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Web | Older American |
| This is to address my complaint that i file with my bank PNC Bank @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) I File a Dispute with my banks Dispute Department on the following Date XX/XX/2023. The Bank in turn issue a Provisional credit to my checking account for the amount of {$180.00}. I provided supporting documents/evidence in the form of the following : itemized statement/receipt showing the payment was made to the merchant, The XXXX XXXX XXXX XXXX thru other means. The amount of the payment was as follows : a partial payment of {$120.00} that was listed on the itemized statement/receipt that i provide from XXXX XXXX XXXX and a partial payment of {$59.00} using my pnc bank issue PNC Bank Debit Card , that would bring the total amount of the readmittance to {$180.00}. For the payment due the XXXXXXXX XXXX XXXX XXXXXXXX for the month of XXXX, to the said amount. I also provided all of my evidence to both the Email and Fax number that the bank provided which is as follows : Email = XXXX, and the Fax number = ( XXXX ) XXXX. This information Proof of Evidence was provided by me to my bank not once, twice, but three times on different occasions. Finally On XX/XX/2023 i receive a letter from PNC Bank Basicity stating that they had completed there investigation into the matter and they needed a itemized statement/receipt for which i had already provided three times previously. So in Essen that they would be reversing the temporary Provisional credit on XXXX that the Dispute department had issue to my checking account of {$180.00} on XX/XX/2023 when i first file the dispute. | ||||||
| 10/26/2021 | Yes |
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Web | Older American |
| The issues began around XX/XX/2021 on the credit card issued by BBVA, Visa # XXXX. The bank allowed a fishing fraud for XXXX cents and then the fraudster started sending in charges for XXXX. On the morning of XX/XX/2021 we began trying to make contact with the bank and finally were put in contact with a supervisor, XXXX. XXXX finally understood the fraud, acknowledged it and promised to take care of everything and stated we would have no further problems with the fraud issues. I requested a call back confirming all issues were taken care of. The next day, XXXX left a call on the recorder that all issues were resolved. In fact, this was a lie we relied upon to our detriment. We immediately contacted PNC ( who was taking over BBVA ) and contacted them again when they failed to correct the problem. See Exs. A and B. See also Ex. C, which affirms that fraud was committed and promises we were not responsible. Of the {$11000.00} in fraudulent charges to date, at least {$5200.00} remain unresolved. Despite the various promises made, PNC has billed us for the charges. See Ex.D. However, the worst thing PNC did was to report the disputed charges to credit agencies, in violation of CFPB rules. See attached Ex. E, which shows that the PNC report cratered the Credit Score by 73 points. One last attempt was made to resolve this situation. On XX/XX/2021, I contacted PNC and spoke to XXXX at ext. XXXX, who transferred me to XXXX, who refused to give any other identifying information. After asking to speak to a supervisor, I was put on hold for 47 minutes until the call was dropped. This complaint ensued. | ||||||
| 01/07/2022 | Yes |
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| This is complaint against XXXX XXXX XXXX, ( XXXX ) CEO The PNC Financial Services Group , Inc. c/o PNC Bank , N.A. for running criminal enterprise specializing in forgery of public records specifically related to mortgages to legitimize theft of people homes. XXXX was given notice of opportunity to settle a claim on XXXX XXXX against my property, but he kept silent and proceeded using deception to execute of his false claim. In said letter I wrote '' This XXXX XXXX subsidiary which still holds the people ( remnants ) of dissolved National City Mortgage , Co./National City Bank contrary to its banking mission, rather doing banking services focus on forgery and tampering of public documents and government records for purpose to use them under false pretense to take people 's homes which has been apparently more lucrative business then lending money '' XXXX as CEO is a front man of several subsidiaries allows these satellites without restrictions prey on individual consumers, specifically concerning on mortgages where the stake is house, the most important asset of people. The complaint involves PNC Bank, N.A. in XXXX Ohio, an institution who forged public records of State of Ohio, which then paved them road to theft of my property. XXXX has been keeping XXXX eye on the crimes of his subsidiaries, knew that forgery of public documents took place, but did nothing to restrain them, thus is equally guilty for these crimes. Pleas note, that all replies to this complaint must be by XXXX only and have to be verified under penalty of perjury. No lawyer meddling in answer this complaint is acceptable. | ||||||
| 08/01/2016 | Yes |
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| There is a class action suit going on at this time - but my situation is after the time period that the lawsuit is for. XXXX v. PNC Bank, N.A., well this settlement settled nothing. PNC is still continuing their practice! I ca n't file in the suit since this is happening to me NOW. I have been dealing with PNC for 2 months now. Our area just got mapped as a flood zone ( XXXX XXXX ). I was notified that I had to purchase flood ins for the VALUE of house. I contacted the XXXX county tax area - my home structure is worth {$160000.00}. My balance is {$210000.00}. I purchased insurance for $ XXXX-more than the value ( there first letter stated that I needed to purchase flood insurance for the value of the structure ). I notified PNC - have copies of letters, faxes, contact people names. I was told they would look into value and notify me by mail on XXXX XXXX, per XXXX XXXX, Loan Support Analyst, XXXX XXXX - Flood Servicing, XXXX XXXX XXXX XXXX, PNC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( p ) XXXX | ( f ) XXXX. I received a letter today, XXXX XXXX, 2016 - acting like I have totally ignored them -and they purchased additional insurance of {$23000.00}, which is more than the value of the home OR MY balance! Charging me {$140.00} - I have already paid out {$450.00} additional monies over my homeowners insurance for this special flood insurance. PNC is TERRIBLE to work with - I just keep getting transferred to one dept to another dept - the rep telling me - they do n't handle my issue. I have spent so much time on the phone and on letters and emails. I am totally frustrated. Is there anything I can do? | ||||||
| 10/14/2022 | Yes |
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| On XX/XX/22, I received notification on XXXX XXXX that someone wanted to buy the bike I was selling for {$130.00}. They offered to send me the funds via XXXX to hold for later pick up. They said that they sent the funds to my personal email address that I had provided. I immediately received an email from XXXX saying that because my account was not a business account, I had to have a minimum of a {$300.00} transaction to activate the account in being able to receive the {$130.00}. It went on to say that I should ask the buyer to pay me an additional {$170.00} which would bring me to the {$300.00} minimum threshold and then simply refund the buyer the {$170.00} when done. The buyer, who said he received the same email, offered to send the additional funds. In both transactions, the buyer sent me a screen shot of the 2 deposits. I recieved another email from XXXX stating that they received the 2nd deposit and that once I refunded the extra {$170.00}, the final payment of {$130.00} would be released. I hadn't received any funds at this point but regardless, sent the buyer the refund for the {$170.00} per XXXX 's instructions. I then received yet another email from XXXX saying the {$170.00} I sent failed somehow and instructed me to send yet another {$170.00}. This is when I realized that I was being scammed and further relaized that the emails from XXXX were not valid and were in fact part of the scam. My husband, XXXX and I immediately contacted PNC for support to which they said they could not assist us in reversing the transactions and/or recovering my funds. I was scammed out of {$170.00}. | ||||||
| 02/22/2019 | Yes |
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Web | Older American |
| Decieved by the one I loved and Trusted. Property owner since XXXX all updated ( {$55000.00} ), savings aprx {$15000.00} ; working ; Retirement, Stocks purchased XXXX ; vehicle ; no mortgages or loans. Married XXXX adding spouse to all. Became XXXX XXXX. Spouse handled took over all, including handing me an allowance. Spouse informed me stocks we're ate up in the system. I talked to bank to get info and was there was response from them. Now divorced XX/XX/XXXX. 6 months ago doing a transaction over due by exspouse I mentioned to the Financial Advisor about the stocks. He told me my exspouse had them in his personal account! There were more than these stocks that we're joint I have no access to. And recently found W2 a Severance pay from XXXX my employer. I never knew about. Discovered was 3 mortgages. I knew of only 1, but signature is on all. There is no account of what he did with this money. It was not used towards the property. I have found at least 5 revolving credit accounts that had contained my name ( bank would not cooperate ) and removed during separation. His personal broker works in the same bank as the Financial Advisor I Spoke with just a 6 months ago. ( He seemed very upset with this Broker ) I did find IRA 's, Retirement Funds, 401K 's, Stocks, Annuities and etc. I do not know the extent of all he has done other than abuse. All I had through my employer was used during marriage. He received all property and I received 15 % not counting what he has not shown at this bank/banks. I am XXXX, XXXX. At no time were my XXXX were ever mentioned due to neglegence. Please advise. | ||||||
| 01/08/2019 | Yes |
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| My Mother passed on XX/XX/18 and I inherited her property via her will that had a mortgage with PNC bank. Within two weeks of her passing I sent the bank a partial payment of her mortgage and completed a modification application in XX/XX/XXXX. PNC returned the payment to me stating that I could not make a partial payment and advised me to proceed with the modification/loss mitigation application. I stated on the application that because she missed two closings due to someones negligence and lost out on a XXXX grant that the estate planned to possibly file a legal action on all parties involved and because resided in another state that I wanted to keep the property and place a tenant in the property. After five months of months of sending in extra documentation and multiple phone calls with loss mitigation and having at least five different points of contact PNC informed me that because the property was not my primary residence they had to deny my modification application, could not offer me any payment plans or loss mitigation options and subsequently filed a foreclosure notice on the property. I asked why they couldn't offer me any loss mitigation options and they informed me that FHA guidelines were extremely stringent and does not allow for modifications on non owner occupied properties whether inherited or not. I asked why wasn't my application denied within 30 to 60 days if I stated that it was not my primary residence and they told me that they did not know. This situation has caused me an extreme amount of XXXX and XXXX about my mothers property. Hopefully we can work this situation | ||||||
| 08/14/2023 | Yes |
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| In XX/XX/2023, I used a PNC credit card convenience check that had a promo rate of 0 % interest until XX/XX/XXXX, XXXX amount was {$980.00} and fee was 4 %. I used the card for other monthly purchases. To avoid interest charges, I made payments such that all of the monthly purchases were paid off and a portion of the convenience check was paid. The payment I made significantly exceeded the minimum payment and covered all of the monthly purchases. PNC used the payment to firstly pay the convenience check amount and secondly the monthly purchases which resulted in me being charged interest on the purchases. I called and spoke with a customer representative who seemed to understand but told me he would have a manager call me. When I spoke with the manager, she explained that the payment was applied first to the lowest interest rate and refused to see my perspective or address my concerns. The convenience check states that any amounts you pay in excess of your minimum payment due will be allocated to balances with higher APRs before balances with lower APRs. I want the convenience check fee to be returned because I was prevented from using the promo rate and period. I want the interest charges to be refunded because the payments were not allocated as described on the terms of the convenience check. I think that the customer service staff and managers needs training and the right tools to resolve issues according to their own stated policies. If PNC is going to apply other rules than the ones stated on the convenience check, their explanations need to make this very clear. | ||||||
| 01/05/2021 | Yes |
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| On Monday XX/XX/2021, my wife noticed that our checking account from PNC Bank, XXXX, was overdrawn in the amount XXXX $ and change. This prompted her to contact the institution. She spoke to a gentleman who said that he went and checked for 5 minutes came back and said " PNC was covering the overdraft fees and we had 30 days to cover the difference account. There would be XXXX $ in the account XX/XX/XXXX. ". Instead she woke checked the account on the XXXX and the overdraft had grown to XXXX $ and change. This seems contrary to the way our account should work. We have opted out of overdraft period. The account used to not allow us to debit more than we had. My wife was operating under the impression that she would not be allowed to overdraw at all, the way the card used to work. We would like what XXXX is supposed to do. Please try to reclaim our overdraft fees at least. I understand that we mad a mistake by not keeping an accurate ledger but, the card used to shut off when we were broke. We're not very financially savvy but, this seems predatory. The dates of the fee are as follows, XXXX $ four times on the XXXX of XXXX totaling XXXX XXXX Obviously, since we did overdraw, we feel the responsibility to pay the overdraft but, we are not supposed to be able to even overdraw. We would have never bought a thing beyond what we could afford. We thought our account would stop at XXXX XXXX Have regulations changed? This didn't happen 4.5 years ago. Please help us any way you can. This was an honest mistake my wife made. Why were we allowed to overdraw when we have opted out? This makes no sense. | ||||||
| 03/31/2021 | Yes |
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| The account never had any late payments. PNC Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies | ||||||
| 01/24/2020 | Yes |
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| At the end of XX/XX/XXXX, I opened a PNC Virtual Wallet with Performance Select account online so I could obtain the {$300.00} bonus PNC offered. To receive the bonus, PNC required that the account receive {$5000.00} in direct deposits within 60 days of account opening. Once the direct deposit requirement was met, PNC would deposit the bonus in the account within 60 to 90 days. My account received more than {$5000.00} in direct deposits within 60 days of account opening. It received {$3700.00} on XX/XX/XXXX and {$3800.00} on XX/XX/XXXX. However, my account did not receive the bonus within 90 days of meeting the requirement. On XX/XX/XXXX, I inquired through the help function of the PNC mobile application about why I hadnt received it. I chatted with the representative XXXX. He stated that the promotion was not applied to the account, so I must not have used the correct link to open the account. However, he could not tell me what link I had used. I find it unfair and deceptive, akin to a bait-and-switch, that I opened my account online ( using the requisite Apply Now button at XXXX XXXX XXXX ), but now PNC refuses to follow through on giving me the bonus even though I met their requirements. The best answer they can provide is that I must not have used the right link because the promotion wasnt applied. That is circular thinking and an invalid argument. Clearly PNCs inability to explain why I didnt receive the bonus ( beyond their circular thinking ) benefits PNCs bottom line because they do not have to honor the disclosure. I have no doubt that there are others in my situation. | ||||||
| 11/03/2021 | Yes |
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| My unemployment checks were deposited to my Mother 's checking account at BBVA ( now PNC Bank ) for 10 months. I was never able to get to the bank with my mother to add me to the account, so I was not on the account. in XXXX of XX/XX/2021 the bank flagged the deposits and froze my Mothers account. That was understandable, I was not a signer on the account so my money should not have gone into her account. Lesson learned. We waited a few months expecting to get the closing balance but it never came. My Mom sat on hold every day on her lunch break for months trying to reach their Enterprise Fraud Department to get some answers as to what we should do. There were a few occasions she actually sat on hold for over 2 hours and spoke to a person who had no idea what was going on, a few CS Reps told her that they had mailed a check to her for the balance, another said the money was sent back to the Unemployment department, one told her she was lying as they claimed she had withdrawn the money herself. The date is XX/XX/2021, and still, they are giving her the runaround. Recently, My Mom was contacted ( after filing a complaint herself with CFPB ) by XXXX XXXX from PNC 's " Client Relations '' to figure this out. Well, fast forward a little more than 3 weeks and still, nothing has been done save for a few one-line replies to emails informing My Mother `` We are still researching this concern ''. I mean what is the problem? Is there anyone who actually accounts for the money these people are for all intents and purposes, stealing from people? It's beyond ridiculous and should be addressed. | ||||||
| 10/26/2020 | Yes |
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| HI, i HAVE A ACCOUNT WITH pnc bank. It started with a transaction of with XXXX XXXX.I was trying to get a loan in which for months it went nowhere.I had paid them XXXX to get my loan then in turn stated it would continue to send them money.XXXX then XXXX I ended up going through another place due to them requesting money. I paid that company XXXX the XXXX and got a new place.I disputed this with pnc back in like XXXX or XXXX and now in XXXX, My account went negative. Not only did they make it so that I got several XXXXlike 5 or 6 of them to make my account negative for that fraud XXXX that I disputed and did not hear back from them for months. I disputed it again and the lady filed something on it. That company that plans gave my money to did not perform a job for me and I requested my money back hired a realtor who got me in a home without a loan and I paid it off. Now when pnc made my bank negative I had already got my social security check paid all my bills and that was several days before they posted this XXXX negative then gave me XXXX fees like 5 or 6 times made all my bills negative for this fraud XXXX that was disputed and I never dealt with that company after instead hired a realtor who got me in a home and now pnc made my account negative multiple times to get XXXX times 5 or 6 plus that XXXXI want the negative removed.I did not hear back from pnc to this account until XXXX when it was disputed months ago due to fraud.I want my money that was already in the account that was taken and the account fixed.I do not owe that company any money and I will not pay for a fraud item. | ||||||
| 04/26/2022 | Yes |
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| My debit card was in my ourse that was stolen from in side my car and I was not aware of the card being in my purse right away. I found out that my card had been used for many days by the time I relized it was missing. The bank denied my disputes for no reason and I have been treated with prejudice. demand that my account be credited for the disputed transactions that I did not authorize when my card was stolen. I disputed within the 60 day timeline, and even filed a police report. During the XXXX period that unauthorized transactions were being made to my account I was banking in person by transferring money from another account and coming in to withdraw cash which I used my Drivers lisence to complete the withdrawal with, since I could not find my card. Therefore I remained unaware of the activity that was taking place with money already in my account unrelated to the transfers that I completed specifically for the reason to withdraw the cash. When I withdrew cash I just took it and left and nobody ever discussed anything related to the money already in the account prior to transfer. So I never took any actions until later. I am still unsure if all transactions were disputed properly since only 9 at a time could be submitted and it became confusing to me when going through allof the transactions. My card was stoled along with my purse on XX/XX/2022 so any transactions that were made from that time forward till I was able to get a new card. They also skipped transactions when they were including each on because there is not the same amount credited back to my account Thank You | ||||||
| 09/04/2020 | Yes |
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Web | Older American |
| PNC BANK AND XXXX CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH PNC. I CONTACTED PNC BANK WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX AND I CONTACTED PNC BANK AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST PNC BANK AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT XXXX HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED PNC BANK FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER. | ||||||
| 08/19/2020 | Yes |
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| On Friday XX/XX/2020 my PNC debit card was used for {$900.00} following a {$270.00} charge as well a {$280.00} CARD FREE ATM ACCESS funds withdrawn. I am an XXXX XXXX XXXX XXXX with XXXX XXXX XXXX I was scammed by a guy who stated he could get me an SBA loan for XXXX XXXX I gave him all of my personal information name social DOB account # routing # bank user name password and debit card number I thought it was a lot but my business is on the verge of being nonexistent due to COVID19 I contacted PNC and told them about what happen nobody has offered to send me a debit card or even get me a debit card issued they have restricted my online access so me being the actual acct holder can not see or get into my acct they were holding me liable for the fraud until I called and told them that Im not paying for something I did not do and they are holding my paycheck from me from my job during this pandemic I have no $ for anything I need because they wont allow me access I spoke with an agent named XXXX XXXX he was so rude to me did not want to offer assistance he denied my request to speak with someone else he was being deliberately unhelpful and did not know any information I had to give him my information in regards to everything he completely tore my spirit into many pieces in regard to PNC or any of their business practices he was so discourteous and I have no faith in the company what so ever it makes me want to file a lawsuit for pain and suffering. This person also filed so many wrong and unwilling disputes on my acct causing a lot of issues with merchants I have rapport with. | ||||||
| 08/28/2017 | Yes |
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| On Friday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, XXXX to test drive a XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The XXXX XXXX was listed on XXXX as a diesel vehicle, and XXXX XXXX XXXX salesman XXXX XXXX said, explicitly, that the vehicle was a diesel during the test drive. He pointed to the " XXXX XXXX '' badge on the exterior of the vehicle as he said this. After a test drive I opted to purchase the vehicle for {$23000.00}, using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) as a trade-in for {$12000.00} with financing covering the remaining {$11000.00} over a 48 month term. On Saturday, XX/XX/XXXX, I needed fuel for the first time in the XXXX XXXX. I opened the fuel cap and found out that the vehicle did not, in fact, have a diesel motor. Instead, it was a gasoline vehicle accepting 95 octane premium. After some research, I came to discover a common point of confusion in XXXX XXXX branding. " XXXX XXXX '' indicates direct injection technology, whereas " XXXX '' indicates diesel technology. I went back to XXXX XXXX XXXX and expressed my displeasure with being deceived. I asked them to unwind the deal and they refused. XXXX XXXX XXXX ownership and sales stopped returning my calls, and on XX/XX/XXXX, they opened a loan in my name via PNC Bank. I contacted PNC after receiving the loan paperwork and explained to them that I believed the sale of the vehicle was facilitated by false advertisement and outright lies during the test drive, and was therefore fraudulent. PNC refused to the remove the account saying that this was a civil matter between me and XXXX XXXX XXXX. | ||||||
| 03/28/2022 | Yes |
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| On XX/XX/XXXX I had called in to their Banking Voicemail Service on XXXX different times requesting to transfer money from my Money Marketing Account to my Checking Account to avoid any overdrafts. I did speak with a XXXX about the issue and she was able to make the Transfer on her end. However she appeared to not know what was going on in reference of the issue. However just out of curiosity I had called the Banking Voicemail again and they vindictively did the same thing by rudely hanging up on me. This comes from me reporting this Bank several times for their constant misconduct. Because on Tuesday XX/XX/XXXX my now deceased XXXX XXXX XXXX spoken to a Customer Service Representative by way of a recorded conversation by stating that she didnt want any of my siblings most definitely my sister XXXX XXXX XXXX XXXX to have any access to her Banking Accounts. Make that she also had a XXXX Benefit Account for me but only to find out a few weeks after her Funeral on XX/XX/XXXX they allowed my sister XXXX XXXX XXXX XXXX to commit fraud by cleaning out her accounts. Make note that prior to all of this my sisters power of attorney powers were stripped by the XXXX Court here in XXXX Pa and plus the one she had was proven to be fraudulent. But yet PNC Bank covered up for her crime and then lied about the recorded conversation taking place on XX/XX/XXXX. Make note that the PNC Bank XXXX Department claimed that they were doing an internal investigation concerning this fraud and the constant lying from their employees way over XXXX months ago and to this day theyve done absolutely nothing | ||||||
| 04/25/2017 | Yes |
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| In XXXX XXXX I paid a bill with my XXXX debit card at XXXX XXXX , Indiana and was charged a 7 % fee to have by them transfer the cash. I stated at the time I considered the fee excessive given that it was a no risk transaction. They stated that was the fee they were required to charge by their vendor.. I was also issued a card with the PNC logo that was a debit card that had aaproximatelly {$140.00} placed on it to reflect the cash I had deposited with XXXX XXXX . When I tried to remove the cas h via a PNC ATM I was informed I had a zero balance. I spoke to a PNC employee and he informed me the cash balance would be transfered back to the card. When tried to remove the funds again i was informed I had an insufficient balance by the PNC ATM. . I called the number on the back of the PNC issue d debit card ( XXXX ) and it connected me to a representative at XXXX XXXX XXXX . The employee informed me there was a fee for obtaining my balance at the ATM and there would be an additional fee beyond the ATM fee from XXXX XXXX XXXX that was prohibiting me from removal of the cash balance presented to me by the PNC ATM. The 7 % fee imposed to transfer cash is the first time any additional fee has been directly charged when using my XXXX ATM. The fees to access my balance and to retreive my own funds beyond the ATM fee is unwarranted and excessive. i want the fee arrangement between XXXX XXXX Indiana, PNC a nd XXXX XXXX XXXX investigated and I want my funds returned without the charged fees to access and retrieve my own cash.. | ||||||
| 01/11/2023 | Yes |
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| On XX/XX/2023, I visited PNC BANK to extend credit in relations of purchasing an automobile. I informed the teller that I wanted to first deliver my disclosures, and to exercise my Rights under 15 USC 6802 ( b ) before completing the credit application. I explained that I was opting out from having all non personal information of mine being shared with any non-affiliated third parties. The teller then informed me that I would not be able to complete this transaction because its company policy that my non personal information will be shared with non-affiliated third party 's. The teller informed me that it is company policy to share my non personal information to the consumer reporting agency 's, which are non-affiliated third parties to this transaction. At the conclusion of this conversation, I Informed the teller that it is my federal Right to opt out from having my non personal information disclosed and I should not be denied the opportunity to do business with this financial institution because I have exercise this Right. The teller stated that he is sorry, but he must uphold and follow company 's policy first. I then informed him that company policy is not law, nor does company policy trump/supersede federal law. I was then asked to leave the facility by the teller and I was escorted outside by the security guards. CFPB, please assist me in this matter, I was denied services because I chose to exercise a federal Right under law. A consumer should not be denied service because they're choosing to exercise their Rights, this is discrimination. Please help assist, Thank you. | ||||||
| 07/28/2021 | Yes |
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| The problem is, PNC does not keep up daily accounts of transactions and sometimes, the amount says one thing, but the actual amount is another, less. Then I spend the money that says I have " available '' in the account only to find there are overages. Now, I have asked on several occasions for them to return charges of {$36.00} each, this time twice adding to {$72.00}, but they refuse. I have asked them to put into writing their side of the story, but they refuse, obviously because the company knows they are perpetrating fraud. Since XXXX of XXXX, the United States has made it possible for banks to carry 0 funds to cover transactions. The fraud comes in because the banks did not notify me that there are no actual money transactions being made, but only by computer, so in effect, there were never any overages to my account, because they did not have the money to back my supposed negative balance. They have never informed me of this situation, never disclosed there is no money exchanged between parties, which constitutes fraud. I have these two as examples of this situation and have others adding up to over {$900.00} since being a customer of PNC. As you can see by PNC 's own admission, they state that if the account is overdrawn and they have to " Pay, '' is fraud because they are not paying anything. They are not using money, only electronic means, no actual money is necessary in the bank to pay a debt that supposedly exists. The admission they are paying is fraud. Their wording, not mine. PNC has never, not once enclosed this information to me, their client. | ||||||
| 07/17/2018 | Yes |
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| I've been paying the mortgage to my house which was Deeded to me for over 27 years and I have been only person communicating with PNC Mortgage who had been aware of this situation for over 25 years. MY first complaint that I would like to report concerning the PNC Mortgage is they informed me that I was behind one month in my mortgage in 2017, therefore I asked if they could provide me with the month and date that I supposed to have missed payment. PNC Mortgage provided me the information with the check number and date as they identified as the missing payment. I submitted back to PNC proof of payment along with the check number that it was paid and pointed out their mistake and they still refused to correct the issue and credit my account. PNC Mortgage continue to let by account accumulate late charges for years. Now I'm experience a hardship situation from being laid off my job in and after receiving help from the Save the Dream Mortgage Assistant program. PNC agreed to receive payment of 9 months for me from Save the Dream and did so. Now the months have ended and I'm was receiving unemployment the are refusing to work with me. My house was purchased with XXXX family member on the original loan, however XXXX people are decreased and the XXXX remaining living family member has never lived at the address and has no interested in the property. I submitted all documentation PNC Mortgage has asked me for and they still continue to giving the the run around and straight answer. Please if you would look into this matter and let me know if I could keep my house as I as wish to due. | ||||||
| 07/07/2023 | Yes |
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| On XX/XX/22, a full payment was made to my XXXX credit in the amount of {$3400.00} from my PNC checking account. My XXXXl typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the PNC website. The money was pulled out of my account but not paid towards the balance owed to my XXXX. I called XXXX and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my pnc account, but the balance was not paid on paypals end. I then called PNC, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through XXXX with no conclusion. They deny my claim over and over. During the claim time frame, XXXX has removed the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. I essentially had to give up with XXXX since I was getting nowhere and called PNC for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to help me. | ||||||
| 11/01/2018 | Yes |
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| The nature of the wrong doing is that today, XXXX, is the THIRD time I walk up to a PNC ATM, make a deposit of {$280.00} or {$300.00} ; and the balance that I previously had is missing. PNC is STILL alleging it was removed for " bank fee ; '' But that is a complete LIE! Someone is STEALING my {$1.00} etc. Today it was XXXX dollars STOLEN, and they want to say " MONTHLY FEE. '' I opened my account XXXX of XXXX off of XXXX XXXX XXXX, XXXX XXXX, FL. I was informed there are NO Monthly fees if you deposit at least {$500.00}. If you deposit LESS than that amount, there is a {$5.00} monthly fees. Look at my attachments, do you see {$5.00}? NO! You see made up figures. From XXXX of XXXX through XXXX of XXXX, I never got a fee. Then out of a sudden, I was still making the correct amount of deposits, and PNC was billing me {$5.00}. I filed a complaint. Now I get billed bogus figures. All I know is that PNC NEEDS TO close ALL the other accounts with my name and STOP stealing from me! It's either {$5.00} or nothing. Please let me know why my {$2.00}, from today, was removed from my account between XXXX XXXX and XXXX XXXX EST, vs first thing this morning when transaction fees were deducted from all the other PNC Customers? Fees do not get deducted in the middle of the day. I called myself today around XXXX XXXX, I had a {$2.00} balance ; Made a deposit of {$280.00} and the {$2.00} were missing ; Called it in, and they chose to label it, MONTHLY FEES. NONSENSE! It's a lie. Look at the ledger and have PNC pay me back for all the FALSE monthly fees. Thank You, XXXX XXXX XXXX ( XXXX ) XXXX | ||||||
| 09/13/2023 | Yes |
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| On today XX/XX/2023 around or about XXXX XXXX yours truly experienced XXXX profiling by a white PNC Customer Service Representative. To whom stated that despite me already being verified through the PNC Banks Automated System. She in a racially prejudice manner told me that I had to answer some specific questions to verify to whom I am and as me being a person of XXXX I felt very offended at this poor ethic nature in customer service. And she was actually trying to trap me so that I wouldnt have any access to my account. However when calling back a few minutes later and being connected with a minority customer service representative. There was absolutely no problem with him giving me the valid updated information on my account and prior to me being verified through the automated system there were no request for a second validation. PNC seems to be vindictive towards me. Because about a month ago @ their location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As I was doing a transaction inside of the Branch. In which the Branch Manager was filling in as XXXX of the Tellers. During the midst of the Financial Transition. She rudely stated that I could use the ATM outside. However she and many others knows that this is a XXXX XXXX infested crime ridden area. So for the third time PNC @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Im not a follower of these deceptive lies about this XXXX XXXX being a safe community. So for my safety Ill come into the Branch in which I thought was improving until this and the Security Guard playing the role as a PNC Customer Service Representative. XXXX | ||||||
| 11/10/2018 | Yes |
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| XX/XX/2018 ( Monday ) Complaint against PNC bank FTC Identity Theft Report Number : XXXX On XX/XX/2018 I brought promotional offer that I received from PNC bank to open brand new consumer checking account. I have verified with this branch located at XXXX XXXX XXXX XXXX Washington DC XXXX for promotional offer before I open new accounts. A staff at front desk told me that I can receive both {$300.00} personal checking acct bonus and {$200.00} business checking acct bonus. Then he asked a sales associate named XXXX XXXX to assist me. XXXX XXXX has asked all my personal information such as name, residential address, social security number, driver 's license number, phone number, email address, PIN number. I showed two proof of ID per his request. However after he obtained all my personal identity especially social security number and driver 's license number, residential address etc. Then he told me he was unable to open new personal account. I questioned him why. But he can not tell me the reason. For the same information I provided, I can open checking account with other banks in the past. At this time, since he can not open new account and I am NOT PNC bank 's customer, I asked him to completely delete my personal identity from XXXX bank 's system in order to protect my identity. Under my 3-4 times asking including to call his branch manager, he still refuse to delete my identity and information. I was extremely upset by telling the staff at front desk to purge my personal information plus pay my damages. I have filed a FTC identity theft report with reference number XXXX. | ||||||
| 07/20/2017 | Yes |
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| This is in regards to two checking accounts I have with PNC. One is a business account and the other is a personal acct. Because I have issues with getting paid by my employer in a timely matter there has been some problems with my checking accounts. However I have always paid the Overdraft fees whenever my accounts were charged. This time I have serious issues with the way PNC has handled my accounts and the late charges they keep racking up. On Sunday XXXX XXXX 2017 I tried to make a deposit with two of my paychecks thru the ATM at the XXXX street branch. I received a receipt back saying the card was not useable and to call the banking institution. I also received the original two checks back. I immediately went home and called PNC. I talked with a XXXX in customer service, who informed me that the checks went thru and she removed the hold on my account. She told me the funds would be available on Tuesday XX/XX/XXXX. I also asked her that any late charges will be paid with the deposits. She assured me yes but to call on Monday to see if I could get any of them waived. I also asked her how could the deposit be good when I still had the original checks. She assured me it was. The deposit did show on online banking until Tuesday XX/XX/XXXX. Then it totally disappeared. So I assumed she was incorrect in her conversation with me. Now they keep withdrawing out of my account and are charging me late charges. If the money is not there why would you let these transactions go thru? This is awful customer service and to have amounts disappear off the system what else can they pull? | ||||||
| 05/19/2023 | Yes |
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Web | Servicemember |
| Rec. call from someone at XXXX stating he was trying to set up time to serve me papers on a civil law suit, that his company had been contracted by XXXX XXXX XXXX. Asked what this was about, was told records were sealed for my privacy but that I could call XXXX and give reference # XXXX for more info. Did so, was told I was being sued for {$3500.00} for an account through National City/PNC Bank that defaulted in XXXX of XXXX. I have never had an account or loan from either of this institutions. Said they sent me a letter 45 days ago ( I never received a letter ) and when I didn't respond they assumed I wanted to go to court. Once served, it would be a 3 day speedy trial, and I'd also be responsible for court fees on top of the debt, and that the settlement agreement amount ( which hadn't been mentioned before ) of {$1500.00} would no longer be available. I asked what kind of of loan or account this was for and was told he didn't know, I'd need the itemized billing which I could only received in discovery, once it went to court. Was told the evidence against me was the 2 forms of ID used to open the account, and he proceeded to give me my correct drivers license number, social security number, and address. Told me they would put a lien on my house, garnish wages, and take action against my XXXX XXXX XXXX. I told him I wanted to consult with a lawyer friend of mine as this sounded like a scam. I hung up, and called my friend, who also is fairly sure this is a scam. What I am worried about is that someone may have stolen my identity and actually opened an account in my name. | ||||||
| 04/05/2022 | Yes |
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| Our organization, XXXX XXXX XXXX XXXX, had its nonprofit checking account closed by PNC Bank without notice on or around XX/XX/2022. At which point, the XXXX, Massachusetts PNC branch ( located at XXXX XXXX XXXX XXXX, MA XXXX ) refused to communicate with us and would only communicate with a former employee whose name was on the account. We had been trying to transfer ownership over the account to our organization 's president, but the PNC branch made it incredibly difficult to do so. Moreover, at no point did they communicate that our account would be closed if the ownership transfer did not occur. On XX/XX/2022, PNC communicated to our former employee that a check in the amount of our account balance of over {$60000.00} had been issued to that former employee, who lives in Maryland, and that it would take between 7-14 business days to arrive. As of today, XX/XX/2022, the check has not arrived at the former employee 's address. The PNC branch is not able to say where the check is and does not have a tracking number for the envelope in which they mailed it. Effectively, our entire bank account balance has been lost, employees have failed to receive scheduled payments, and damages have been accrued as a result. PNC has offered no constructive steps to remedy their failure to provide notice about the closure, deliver the funds promptly within 7-14 business days, nor satisfy our legal claim to funds which are ours. We are a nonprofit that had to open a new account with another bank, and as result of PNC, we currently have only {$50.00} in it. We need assistance immediately. | ||||||
| 09/19/2021 | Yes |
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Web | Older American |
| I have been an outstanding PNC Customer for many years with several accounts : On XX/XX/XXXX I was appalled to receive 5 ( five ) letters dated XX/XX/XXXX, that all of my accounts would be closed as of XX/XX/XXXX without any prior warnings! It was a hardship for me, transferring funds to another Bank, setting up new Direct Deposits, and not being able to use its Telephone Banking. In the past, I had to bring discrepancies to its Customer Service and also to the Executive Office, whose Manager " XXXX '' only wanted to handle a dispute of {$24.00} XXXX Credit Bureau charge, by canceling my Credit Card in order to send me a new one, which would take several days. I then decided to take care of it myself in lesser time. I also had an unauthorized charge of {$210.00}?, which a XXXX XXXX refused to delete, and it seems that PNC passed this amount on to the Credit Bureau as owed. I tried to give XXXX XXXX more information, which she refused, however, she " did it her way ''. Receiving a letter from her, I noticed another mistake ( although, I had advised her. She promised to send me the corrected letter, which I never received. I also noticed that I overpaid the PNC Credit Card, and I never got the funds, they owed me from XX/XX/XXXX. Summary : I helped and corrected many more mistakes, I could mention, i.e. not deleting my husband 's Credit Card being Joint owner, upon his Death in XX/XX/XXXX, although I presented a Death Certificate in XX/XX/XXXX, and it took PNC 18 months to delete it. I never dealt with a Bank, making so many mistakes, which I had to bring attention to. | ||||||
| 04/26/2021 | Yes |
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Web | Older American, Servicemember |
| The PNC bank phone rep XXXX XXXX on XX/XX/2021 told me my Forbearance period had ended and I was not entitled to an additional extension period for my XXXX XXXX. She insisted I fill out an hardship application and wouldnt listen to my pleading for her to check the XXXX Forbearance XXXX month period allowed for my XXXX XXXX XXXX PNC should be held accountable for giving consumers inaccurate information with covid distressed customers. After a weekend of severe stress I called PNC back on Monday the XX/XX/XXXX and requested a supervisor as well as reporting this employees misinformation I was given .. this client service rep on the XXXX XXXX never heard of the CFPB and didnt know the XXXX XXXX month rules of forbearance either!!! But she put me on hold and came back with a XXXX day forbearance extension.. Please hold PNC accountable to have educated employees give correct information on the rules on the Forbearance period with XXXX XXXX!!! Im an elderly woman who has endured a loss of a career job, a texter hitting me and causing me to have XXXX surgeries and a year of PTherapy ... then my airline closed and loss of my employment.. We are having to sell our home this summer and needed the extension to finish preparing it for sale .. NEITHER PNC employees know the facts! Fortunately XXXX did put me on hold for XXXX minutes and checked ... my forbearance was extended XXXX days allowed by law ... but how many others are going to be given the XXXX I was told prior to XXXX? And experience all that stress because of employees lack of education??? Please hold PNC accountable! | ||||||
| 10/18/2019 | Yes |
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| On XX/XX/2019 we initially send out 3 payments using PNC Banks Virtual Wallet online Billpay. There was a mix up where we submitted the payments from the incorrect account and so all 3 payments ( for {$3100.00}, {$200.00} and {$150.00} respectively ) were returned. I called their phone channel and spoke an agent who understood and help me out with the initial return fees. He however failed to disclose that the payment would be automatically resubmitted by PNC Bank after I asked if the returns were final. On XX/XX/XXXX I checked my accounts and they were debited a combined {$6600.00}. I resubmitted my mortgage payment separately because I was told that once the payments were returned, that would be the end of it. I called PNC Banks phone channel and was told that there was nothing that could be done until the charges posted even though the payments were resubmitted without my authorization. I contacted PNC Bank once again today and the agent I spoke to told me that there was nothing they could do about the fees and that I was at fault for not manually canceling the payments even though I was never told that I had to do at. Even after I explicitly asked about the returns being finalized. When I contacted PNC Bank the third time I was kept on hold until I had to go into work. I also tried to cancel the payments so that it would not be retried a third time and found that there way not option to do so. This is not my first issue with PNC Banks online billpay either, twice previously I submitted a payment for {$50.00} and instead a payment was submitted for {$500.00} exactly. | ||||||
| 10/31/2017 | Yes |
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| To Whom It MaXXXX Concern : This letter is to dispute the late payments reported to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account for 10+ years has been on ACH with PNC where payments have been drawn directly from my bank account via the National City and now PNC XXXX. For some reason in XXXX when my interest rate was raised, the ACH payments did not change and continued to draw on the PNC website with the old amounts. In XXXX while talking to a representative, I paid over the phone the outstanding balance, asked to escalate the late fees, as well as filled out a new ACH form as recommended by the representative, so as to avoid this situation moving forward. The payments continued to be drawn by ACH for an amount different then the amount due, and the late fees were never addressed. I called almost monthly after the new year speaking with many representatives, over and over trying to solve my problem to make sure the correct payments were being made. I filled out several more forms, as well as went online and changed around the ACH schedule there as well. Finally, XXXX in escalation department was nice enough to credit back some of the late fees recently, as she saw in the history all my efforts and my submitting of the form over and over in attempts to fix this issue. Finally in the last few of days, a representative and walked me through the ACH online process yet again, stating that the form wasnt going into effect because the online ACH was overriding it. He understood my frustration and recommended I send this letter. | ||||||
| 03/31/2023 | Yes |
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| I am a customer at PNC bank and have been dealing with a fraud transaction in my account and PNC is not helping me solve the issue as needed. It was a total of {$4900.00} on XX/XX/2022, and the company of the fraudulent transaction was XXXX XXXX which I never heard of until I did some research online and saw that it is a cryptocurrency website. I have been in contact with the cryptocurrency fraud support, and they told me that it was definitely a fraudulent transaction, but PNC Bank is still not cooperating, and they keep denying my dispute knowing I have plenty of evidence that the transaction was not mine and is definitely fraudulent. I have evidence with screenshots and emails with the XXXX company, but PNC is not taking any of that into consideration. PNC keeps telling me they don't have enough evidence to reimburse the funds back and they supposedly have proof that the transaction was made by me, but they never showed me any proof. I made a new account due to my account being taken over and I also reported the transaction the following day, but the fraud department didn't think much of it and just thought that a dispute would solve the issue, but it didn't. I have been dealing with the account takeover and fraud department at PNC bank, but they have been no help at all and have not given me any details or updates on my dispute for 3-4 months. I even filed a police report to see what else they can do for my case. I have filed a complaint with PNC bank, but it seems like they don't take it as seriously, so I would like to do as much as possible to solve this problem. | ||||||
| 06/27/2021 | Yes |
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| We are currently in the process of purchasing a condo located in XXXX, NJ. The loan application with PNC bank started on XX/XX/2021. The loan officer said without any doubt that PNC can do a 45 days closing for sure. So we went with them. The scheduled closing date is XX/XX/2021. During the process, PNC bank has been asking us for the same financials and employment verification of us multiple times although we have explained to the loan processor XXXX XXXX that we have already provided the documents and she would not listen to us. When it passed the original closing date, we have been following up with the bank and our loan officer XXXX said we can close during the week of XX/XX/2021 for sure however when it came to that week, PNC started to request the documents we have sent to them multiple times. And they havent even started the condo review at all. We escalated the application and filed a complaint. The branch manager XXXX XXXX told us the worst case closing date is XX/XX/2021. And the condo review will be finished within 5 days. And she promised she will provide us a daily update however she didnt do that. They started to request further documents from our condo. We had to call PNC general phone call every time in order to contact the processors because they never reply our email and phone calls. Our seller is planning to cancel the deal because the closing date has been delayed for a month. We strongly believe PNC bank owes every party evolved in this deal a clear answer about why the condo review has been delayed for so long and be transparent about the process. | ||||||
| 08/28/2015 | Yes |
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| I was first solicited XXXX by phone. I paid a deposit of {$4600.00} for a business opportunity. I was supposed to receive including but not limited to the following : XXXX XXXX XXXX, Page Setup : fill out available fields, custom URL, News feed builder : Like XXXX industry or niche leaders, Install FB Badge onto client 's website, discovery report, competitor & industry analysis, research client 's business model & offerings, Identify targeted customer audience : demographic, behaviors and interests, develop final discovery report detailing findings, strategy report, determine top engagement best practices, XXXX, consulting, publishing & scheduling post. I did n't understand alot of what was going on. Everyone was telling me not to worry they would help me. I admit I do n't understand alot about the computer and have related that information to them. They took advantage of a senior citizen. I requested a refund in my demand letter, because I was n't given the face to face attention imperative for my success which I was guaranteed before signing our agreement. On that basis, to date I have never used their services and was n't given the product as described. I am aware that there is a duration in which you can dispute a billing item with your credit card company but these are unordinary circumstances and therefore an exception should be made under the " claim and defense '' regulation. My credit card company should provide a certain level of protection to me. Please have my credit card company investigate the issue and refund the monies paid out when I was under duress. | ||||||
| 11/05/2019 | Yes |
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| I moved from XXXX to XXXX, and in doing so would no longer be using PNC bank. There is no physical location in XXXX and it would be inconvenient to use. I had to keep the account open after my move to get the final direct deposits from my employer in XXXX. Upon knowing I would have no more money moving into the account, I emptied the account to {$0.00}. I then received a letter in the mail dated XX/XX/19 stating that my account was overdrawn. In looking at my account, it was overdrawn because PNC charged a monthly fee of {$15.00}. I had never had a monthly fee hit my account during the 5 years of using PNC. I called PNC on XX/XX/19 to close my account and was told that I could not close the account until it was brought to current status by making a deposit. I was literally in shock to find that the bank would charge me for having an account with nothing in it. While the customer service representative I spoke with on the phone was very nice, I was informed that to speak with a supervisor about this I would need to escalate my complaint and they would call me back in 24-48 hours. This was completely unacceptable as I was trying to fix this situation and was only told it would be dragged out. I understand being held accountable for overdrawing my account, however I did not overdraw my account. In an attempt to close the account, I was told this charge was valid and could not. I don't feel this is how banks should operate and want my account closed, as I will NEVER use PNC again. The policy that they have in place regarding this predatory and harmful to the consumer. | ||||||
| 12/13/2023 | Yes |
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| I am writing to Complain the misleading and responsibilities of the PNC Bank. First of all, the Bank misled me to use two accounts for my business credit card and answer my inquiry that the two are for the same account. So I have only paid attention to one of the accounts with all my transactions and the successful receiving of the monthly autopay, but without showing me the late pay charge on this account. They only show it in another account and the bank statement which is sent later. As I have already seen my online account that the auto pay is received so I feel safe that I havent checked other records It also misled me to set up the auto pay at the due date of the statement and charge me the late fee just one day after the bank received my auto pay. Why charged me a late charge after receiving my auto pay? Why no late charge for the first two months as I have set up the auto pay date since my card was issued? I was confirmed by not only one staff member a few times total after I called a number of times that the auto pay date set up is correct and they even confirmed to me that there is no more late charge and will refund me one months late charge, but then they charge late fee again and charged me 4 months of late charge in total .They even denied that they have any of that kind of conversation record. The bank even does not accept any written complaint by mail or email The Bank refused to be held responsible for the above few deception and fake confirmation that they have made and refused to refund customers after a long time of complaints and negotiation. | ||||||
| 05/25/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I noticed that my escrow payment went up {$280.00}. When I called, PNC explained that a needed to carry a certain percentage over my obligations " just in case ''. After I thought about it, I called back and a new person told me that my taxes and insurance must have went up by a few XXXX dollars per year and that I would have a big payment that month. After noticing the same increment on XX/XX/XXXX, I called my insurance and tax collector who confirmed that my annual amounts did increase by a few XXXX dollars. After doing the math, I will have paid PNC bank {$9100.00} by XX/XX/2022 where my annual expenses don't exceed {$6300.00}. I called PNC bank again on the XX/XX/XXXX and talked to XXXX who first asked me to make a {$2200.00} escrow payment. I said " absolutely not '' and he told me that he understood and will request that I manage my own escrow. He also told me that I would hear back in 10 days, which I did not. I called PNC bank again on the XXXX of XXXX and spoke to XXXX. Not only did she tell me that she couldn't find my request, but she said that this " wasn't something that they could even do. '' When I pressed for a resolution, she told me to email a letter to XXXX which I did on the XXXX of XXXX. It's been nearly 2 months since I asked for PNC bank to stop illegally taking my money and their staff seem ill equipped to resolve this issue. Even after my first tax disbursement in XXXX, I still won't be close to have a XXXX XXXX and will be well over 10 % in escrow. As a consumer, I shouldn't be forced to provide a bank an interest free loan. | ||||||
| 05/23/2021 | Yes |
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| On XX/XX/2021, the ATM machine at the PNC Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, took in my cash deposit without properly accounting for it. The machine failed to capture the actual transaction by way of not producing a receipt. I, then immediately notified a bank associate. This associate informed me that he had no access to the ATM machine and that it was procedure to wait for a company that accesses and verifies transactions. Subsequently, I was given a temporary credit by the bank while they conducted an investigation of this unfortunate event. They denied my truth and sent me a letter a COUPLE months later one night before the given date, which cause my account to spiral in the negative direction. This letter in quote read, " we have completed our investigation of your claim and determined that no error occurred in the processing of this transaction. Please be advised that the provisional ( temporary ) credit totaling XXXX that had been previously credited to your PNC Smartaccess card will be reversed on XX/XX/2021, which is five business days from the date of this letter '' being XX/XX/2021. With that being said, I did not receive this letter until the night before the given date which left me little to no time to react to it. I am concerned that they will try to put this on my credit report erroneously. I am already a victim of fraud and this has caused me more distress and an insult to injury. The bank is supposed to be a protector for consumers against illegal and fraudulent activities and not to be the perpetrator of them. | ||||||
| 04/24/2017 | Yes |
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| On X/XX/2017 my parked car was struck by a hit and run vehicle outside my house. I had it towed by XXXX XXXX XXXX XXXX because they were on the scene first and offered a {$50.00} XXXX -mile tow and their facility was only XXXX miles away. I went to get the car the next day and somehow the bill had shot up to {$610.00}. I went there again the day after that and after XXXX hours of attempting to negotiate that to a fee that was not outrageous I eventually had to pay because they threatened to put a lien on my income and everything I own once it accrues {$2000.00} in storage fees if I just let them keep the car ( it was not worth more than {$700.00} at the time ). Paying with credit card ended up being my only option and it costed an extra {$61.00} so my grand total ended up being {$670.00}. Naturally, I called PNC 's dispute department as soon as I got home and told them to withhold the charge and I 'll file a dispute. They said they would send out a letter for me to respond with my own letter detailing the events and any evidence. I agreed and waited for the letter to come. Somehow within the next few days, the charge was posted anyway and my request to stop payment was ignored. I moved forward with the dispute assuming that would n't be an issue once I get the chargeback initiated anyway. Within 2 weeks I got the letter and responded as directed with my written statement. A month later on X/XX/2017 , I find out that my dispute has somehow been denied and they are letting the tow company keep the {$670.00} that they wrongfully took. | ||||||
| 06/16/2016 | Yes |
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| I am on a fixed income along with my wife. We live paycheck to paycheck and often order necessities online. After it was determined that we would not be able to make all our payments for the month, we decided to put our student loans into forbearance. But for whatever reason, the loan payments were posted to our account on Tuesday, putting our checking account into overdraft. There were multiple other payments that were posted ( that I could not cancel, because they were pending ) on Wed and Thurs. By Thurs morning, the damage had been done. A total of ( XXXX ) {$36.00} overdraft fees were charged to my account. I 've worked with my bank to dispute the loan payments that were made in error. With PNC 's track record, I am confident that a few of these transactions were processed in such an order to maximize fees, such as was done to me previously this year. Because of the {$250.00} in fees I now do not have the funds for my car payment, and will be in the negative again next month ( perpetual cycle of abuse ) because I am on a fixed income. It 's a snowball effect, and we are being overwhelmed. This is abuse!!! We have our first child on the way and are trying to move into a cheaper apartment, and PNC is interfering with our attempts at a reasonable life! How long will the abuses continue? I demand reversal of ALL fees charged to my account IMMEDIATELY. These fees are obliterating any financial gains we have made. If no action is taken, I will take this up with an attorney and will alert everyone I know how PNC drains its customers and treats them as profit centers. | ||||||
| 09/05/2022 | Yes |
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| About a year ago I filed a complaint with PNC Bank after they repossessed my car. PNC Bank admitted fault and fired an employee who had misrepresented PNC 's policies. I had prepaid a year in advance and payments and instead PNC had switched the payments over to a lump sum towards principle despite the fact that the payments were earmarked for monthly payments. I talked with PNC executives and they resolved the case, admitted fault and refunded me most but not all of my costs including damage to my vehicle and the mental anguish caused by PNC 's negligence. Once again after depositing nearly a Year 's amount of payments for my auto loan in the month of XXXX and despite having a record of automatic payments taken from my PNC checking account, PNC has sent the loan to collections. I attempted to contact the PNC executive who had handled my case before and she did nothing personally to resolve my issue. On top of this, my auto payments include late fees despite coming from a PNC checking account to a PNC loan account and I am missing statements which are made unavailable to me on the PNC online platform. I'm in fear that PNC will once again repossess my car. I am also worried that PNC is carrying out fraudulent activity targeting myself and others on a systematic level. I do not believe a normal banking practice to leave out various month statements. Over the recent years PNC has settled numerous class action lawsuits involving allegations of fraudulent activity. I believe I may be one of a class of victims who have been targeted by PNC 's auto loan department. | ||||||
| 01/24/2020 | Yes |
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| On XX/XX/XXXX, my husband and I dined at the XXXX XXXX XXXX XXXX. Our bill came to {$77.00}. My husband and I have two separate PNC accounts. I tried to pay with my debit card, and I was told it was declined. My husband then gave them his debit card. It too was declined. He then used his XXXX Card. The payment was accepted. We both were concerned about our accounts, so we checked and both accounts had the money in the accounts to pay the bill. My husband and I have been back and forth with this bank disputed pending charges for the above amount, and subsequently posted charges of {$77.00}. I had three of these post to my account. My husband had two. They gave us provisional credit for these charges on each account, and launched a supposed " investigation '', but ended up reversing a provisional credit off of each account stating that the vendor stated that they did you the PNC card to pay the bill. We provided my husband 's XXXX card statement and a transaction tape from the XXXX XXXX credit card terminal proving it was only paid from the XXXX card. Here it is XX/XX/2020, and PNC said they are now reversing his provisional credit of {$77.00} stating the XXXX XXXX confirmed that his PNC card was what was used to pay this bill, even though he already provided proof it was not. He went into a branch yesterday and they refused to do anything about this. I worked in banking for 5 years and have never seen a bank pull something like this. This is not their money. This is my husband 's money and he would like it back. Please advise us on what we can do. We feel helpless. | ||||||
| 02/04/2019 | Yes |
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| XX/XX/19 XX/XX/19 {$500.00} I deposited a international check on the XXXX of XXXX. Was told that it would be in my account on XX/XX/2019 because it was in the collection procees. I called PNC in XXXX, alabama and talked to a teller named XXXX. She was very rude and unprofessional, when I asked if I could speak to the Branch Manager she told me she wasnt in today and that she wouldnt know. I told her that if she was barring me from speaking to somebody of authority than " this wouldnt work in her favor '' she then proceeds to say that Im threating her and that she would hang up. I then tell her that I have this converstaion recorded and if she lies on me I will try to get her fired for false accusation. She then changes her tone and denies that what she ment. She asked me who did I speak with and I tell her to " hold on and let me get the recording '' -- - it takes time to retrieve the recording because I have alot of them saved, while im searching, she starts to act like I wasnt on the phone and ask " are you still there '' I chime in and tell her to 'hold on and that you know I'm trying to locate this recording, so you can see that this is a ongoing situation and that I've already talked to a branch manager and she specifically told me the money would be in my account on the XXXX. She then claims Im yelling at her and she hangs up. I also want to note that on XX/XX/19 XXXX had hung up in my face but I decided not to report it due to reciver problems with my phone. I have the conversation recorded. I called PNC corporate but theu dont have a complaints department. | ||||||
| 05/22/2023 | Yes |
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| I received a letter from PNC Bank dated XX/XX/2023 about an overdrawn account. The overdraft was in one of the 3 accounts that are part of my " Virtual Wallet '' ( Spend, Reserve, and Growth ). My wife had withdrawn money from a non-PNC ATM, which automatically checked our account balance and in turn initiated a {$3.00} fee for both my primary checking ( Spend ) and savings ( Growth ) ; this transaction occurred on XX/XX/2023. I called PNC on XX/XX/2023 after receiving the notice on XX/XX/2023 and was told there is no way to prevent this from happening when using a non-PNC ATM, and that although PNC has halted NSF fees for their checking ( Spend ) accounts, that this did not apply to savings ( Growth ), and that further fees would begin to accumulate if the - {$3.00} remained in my savings ( Growth ) account. I don't use the Growth account because we have some uncertainty in our lives ( both of us with sick fathers with little savings, one recently deceased ), so I asked if there was any way of preventing this fee from occurring because it's likely I will use another non-PNC ATM in the future and not catch the notice, which came 3 weeks after the fee. They said the only way to do so would be opening another account. PNC Bank advertises it's removal of fees and I'm sure it brings it a lot of customers, but this doesn't seem to be the case with its " Virtual Wallet '' product, which at best seems to be a way to unethically incentivize customers into storing funds in their Growth accounts, but at worst looks to be the same predatory fees with few added caveats. | ||||||
| 12/11/2015 | Yes |
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| On XXXX XXXX, 2015, I logged on to my PNC account from home to pay my bills online. I have XXXX accounts, XXXX XXXX and XXXX XXXX. I selected the Virtual Wallet account and then proceeded to pay my bills. The next thing I knew, on XXXX XXXX I received an email saying that my Standard Checking account was overdrawn. I logged onto My accounts and XXXX of the bills had been paid from my Standard Checking. I, at no time, selected Standard Checking as the account I wished the bills to be paid out from. I was charged XXXX {$36.00} overdraft fees. I contacted PNC about this. They directed me to the Online Escalated Service department. Their representative stated she understood what had happened but her system would only permit her to refund XXXX {$36.00} overdraft charge. She stated that because I had had XXXX overdraft charges refunded to me in the past 12 months there was nothing she could do. I do not recall having been refunded that many overdraft charges. Maybe XXXX or XXXX but even if I was I do not see why I have to pay anything in this instance when this was not my error. I informed her that I would be pursuing this because it appears to me that the system defaulted to my Standard Checking in the middle of doing my bills and if this is the way it happens, then the consumer is set up to fail. XXXX of my bills did come out of the Virtual Wallet account then switched over and took the next XXXX out of my Standard Checking. I did not do this. Why would I suddenly, in the middle of paying my bills, switch over to the account that did not have the funds to cover them? | ||||||
| 12/05/2019 | Yes |
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| On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. On XX/XX/XXXX, I called my bank, XXXX, to authorize the transfer. XXXX told me it will take 24hrs to process it. However, I realized quickly it was a scam and called XXXX back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. XXXX responded that I missed the cut-off. I asked then for a wire recall. XXXX responded that I needed to wait Monday morning to contact the Wire search team. Monday, XX/XX/XXXX, I called the Wire search team at XXXX. They told me they will reach out to the other bank involved, PNC. On XX/XX/XXXX, XXXX called me back to tell me that PNC contacted them to inform XXXX that its client is unwilling to give the money back. Clearly, PNC doesn't care that one of its client is running a scam on XXXX which is totally unacceptable and unethical. On the very same day, I called PNC myself to indicate that one of its client is running a scam on XXXX and something has to be done about it. I offered evidence of the scam but they didn't want to hear about it and told me to call my financial institution. I responded that XXXX contacted PNC and PNC told XXXX that its client is unwilling to give the money back. To that, PNC responded that there's nothing they can do about it. PNC needs to take its responsibility or it is clearly complicit in a crime and needs to be punished for it. | ||||||
| 04/25/2020 | Yes |
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Web | Older American |
| I currently have my home mortgage with PNC Bank. On Friday, XX/XX/XXXX, my wife, a XXXX in a XXXX XXXX, XXXX XXXX for XXXX. Now, we are both mandated to quarantine for at least the next 14 days. With our next payment due on the 1st, we are worried that we might not be able to make our payment of {$1700.00}. After reading about the CARES ACT, passed on XX/XX/XXXX, I reached out to PNC, by phone, regarding mortgage forbearance on our FHA loan. The cares act states that one can receive up to 12 months forbearance on a current mortgage, due to coronavirus related issues. I was told by a bank representative that their policy was 90 days, without making a payment, or making partial payments, with no late fees and no credit reports, for the missed payments. However, at the end of the 90 days, we would have to pay the total, {$5100.00} missed payments. I stated that if someone couldn't make one payment, being out of work for an extended period of time, how would they expect us to pay 3 payments. She responded that a review was possible, at the end of 90 days, but with no reasonable solution given to us, it seems like we will be forced into a possible foreclosure. There was no mention of adding the missing payments at the end the mortgage due date. THIS IS OF NO HELP TO ANYONE. A 3rd grade student can see that this is a set up for failure, or better yet a total disaster for the American homeowner, who by no choice of his own is thrown into this ring of fire. Please help us, and millions of others, facing total devastation due to this XXXX plague, the coronavirus. | ||||||
| 03/28/2023 | Yes |
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| Dear Sir/Madam, This is to inform you of a matter which I experienced with PNC in XXXX Al in XXXX. They have reported me to you which I believe there was no wrong doing on my part. On XX/XX/2022, I went to PNC located in XXXX, Al to deposit a check. I proceeded to go to deposit a check I received from working at XXXX XXXX in XXXX Al. I proceeded to go to the counter and he informed me that he needed my driver 's license before I can deposit the check into my account. I asked him if he remembered me because I came the previous day to open the account, and just because I asked him if he remebered he got vey angry and he said he didn't remembered me. He was person who helped me previously to open the account. I also asked him if I have to present my driver 's license every time I have to deposit a check and he said he said yes. I gave him by driver 's license and he deposited my check and I left PNC Bank in XXXX AL. ( Shortly after this ) The Next day I received by XXXX from PNC Bank Corportate Office in XXXX PA stating that I acted inapproriately and was disrespectful to the teller and I'm no longer welcome back into PNC Bank in XXXX, Al. they went ahead and closed the account and reported me to XXXX XXXX XXXX and demanded me to withdraw all my funds immediately from PNC Bank in XXXX, AL which I did. I went to several banks to open a checking account and the banks declined my request. PNC reported this incident to XXXX XXXX XXXX. I would like the bad report to erase from my name so I can go to other banks and open my checking account. Thank You! XXXX XXXX | ||||||
| 03/08/2022 | Yes |
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Web | Older American |
| This complaint is about the PNC Bank-XXXX credit card policy involving abusive consumer payment due dates. I have been a customer/depositor of PNC Bank for over 30 years and a PNC XXXX credit card user for at least 15 years. During this period I have made timely monthly payments in full for my monthly credit card charge balances. I make these in full payments each month, in person and by personal check, at my local PNC branch bank so that I can obtain a written receipt acknowledging my timely payment in full for the monthly balance due. For the month of XXXX, XXXX, my XXXX payment was due by Sunday, XX/XX/2021. When I arrived at my local PNC branch bank on XX/XX/XXXX, I discovered that the branch was closed because it was Sunday. On the next business day, Monday, XXXX XXXX, I paid my monthly balance in full in the amount of {$190.00}, at my local PNC branch bank. In XXXX, XXXX, I received my monthly PNC-XXXX credit card statement for the period ending XX/XX/2021. The statement included a late fee of {$27.00} along with an interest charge of {$4.00} because I failed to pay my XXXX, XXXX balance by XXXX XX/XX/2021. Thereupon, I called the Visa customer service department, seeking a reversal of these abusive, egregious charges in the total amount of {$31.00}. Finally, upon my demand, I was connected to a customer service supervisor who had the authority to extend to me a " one time courtesy '' of removing these charges from my account. This reversal resulted in a balance due on XX/XX/2021 in the amount of {$190.00}. This sum was paid by me on XX/XX/2021. | ||||||
| 03/01/2019 | Yes |
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| In XX/XX/XXXX, an indirect deposit was made from a XXXX XXXX in XXXX. I called PNC to let them know what happened and I was told that PNC was going to enter notes in the system and call the branch to let them know about the error. The problem continued to happen. And I kept calling every Monday like if it was my new routine. I received the same scripted message that they would call the branch. Long story short, the deposits stopped in XX/XX/XXXX. On XX/XX/XXXX PNC withdrew all the deposits from my account. {$1200.00}. I received no notification from PNC. So I called the bank and they said that they sent me a notification through the mail. When I asked them when it was sent, they said today. Which doesn't help me. So I was in the hole for {$1200.00}. My direct deposit reached my account and PNC took it. So my new balance was still in the negative. PNC corporate tried to remove some of the fees, but the fees continued to accumulate. What bothers me is that I'm paying for PNC 's ERROR! They advised me to do a cash advance from my PNC credit card to pay the debt. At this point I was furious and frustrated I just wanted to close my account, so I did do the cash advance. I went to a PNC branch in XXXX, IL. and they stated that in order to close my account I would need to be in " XXXX '' balance.So I did empty it out. And now PNC is racking up all kinds off fee 's on me. I'm super done with this. I'm trying to close my account. I owe nothing on the accounts. Please help! I have heard nothing but horror stories with PNC when people attempt to close their accounts. | ||||||
| 03/21/2017 | Yes |
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| I scheduled XXXX online payments that PNC sent out as checks. I was charged an overdraft fee for each check even though they did n't post to my account until XXXX and I was n't notified until XXXX. I the past they have always given until XXXX the next business day to cover any overdrafts, in fact this is their stated policy : PNC 's {$5.00} safety buffer PNC allows a {$5.00} margin of error. If you 're overdrawn by {$5.00} or less, PNC will refund any overdraft fees. Also, if you overdraw your account but then deposit enough money to be within the {$5.00} margin by the end of the business day, you wo n't be penalized. PNC will automatically refund any overdraft fees. However when I called and spoke to two different supervisors I was told that because the items were sent as checks the buffer policy did not apply as I should have had the money available for when the check processed, which I did, I had checked the account the day before after business hours and the checks had not presented. So when I went to transfer the funds the following business day as per the buffer, there were already XXXX overdraft fees in excess of the amounts that were covered! After multiple calls I was refunded XXXX of the overdraft fees after being " educated '' regarding PNC 's current policy in regards to checks. I asked how I was supposed to cover the XXXX checks on the same business day if they did n't post until XXXX and was told again that the buffer did not apply to checks which is not stated in their policy. Unfortunately this is not the first time having issues with them. | ||||||
| 03/22/2021 | Yes |
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| I have dealt with PNC bank for hours and hours, with no resolution. They have records of me calling in every month to make my payments on time. They reported me to the credit bureau for a late payment ( although I called in to pay on time ), due to the bank who manages my checking account providing me with the wrong account number. They said the only way to correct it would be to mail them a letter, so their research department could look into it and request my credit to be repaired, due to the banks error. I composed and sent a letter. In the mean time, I filed disputes with all of the credit bureaus, and two of my credit scores went back up. The next month, I see that my TransUnion score dropped again, due to PNC bank! I called them and spoke to a supervisor, XXXX. He told me that he did not know the reason why it dropped again, when I have not had a late payment after my credit score went up again ( this was in XXXX ). He said hed escalate it to another department, so it can be looked into. He told me that theyd give me a call back within 72 hours. I have received the call back, but I did receive misinformation. The other supervisor who called me back from this other department told me that they are unable to tell me the reason why my credit dropped TWICE! I would have to submit another letter. They lied. I received a response to my original letter, saying that PNC can not take any action in order to have my credit repaired. I went through all of this effort, with no resolution and with being lied to, and this is all over something that was not my fault! | ||||||
| 08/02/2023 | Yes |
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| I have a Loan from PNC bank and payments and account was set up by PNC banker.It has been more than 2 years that bank has not issued me any statement. No access to past statements and online account has been locked in such a way that I can not see my statements. Payments have been set up through another account from PNC which was set up by banker itself. No changes can be seen or modified. Although payments were set up as automatic deduction and my loan amount instead of going down, its going up. I have requested customer service contacted them more than 5 times to ask the same details and each time I ended up spending minimum XXXX + hours without any conclusion. No statements have been issued and no support had any success to access my account. I suspect, bank is manipulating loan amount by keep me out of approach to the crucial information which they should have disclosed to me from the beginning. I have even tried going to the local branch and yet they were not able to access completely and they have suggested me to contact phone customer service. My accountant requires all those statements for tax purpose and I have a feeling that PNC bank is manipulating financial data by keeping me off the records. I need help as I can't get help from the bank and it is my right to see all my records of all my payments and their adjustments. Bank is taking a full control of my loan and associated documents. Please help me to get PNC bank on track so that I can see what I have been paying for, for past XXXX years and how are the funds applied to the loan amount. | ||||||
| 02/04/2022 | Yes |
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| Mortgage with PNC Bank. Our taxes and property insurance are escrowed. Our property insurance renewal was XX/XX/XXXX. PNC failed, and admits that it failed to pay the insurance renewal, therefore our property insurance was cancelled. We have been without any property insurance since XX/XX/XXXX. An error resolution notice under 12.C.F.R Sec 1024.35 was sent via certified mail to the proper address for PNC Bank . PNC acknowledged receipt of the letter and on XX/XX/XXXX sent correspondence admitting that it was their fault that the policy renewal was not paid, but has done nothing to rectify and/or correct this situation. Additionally, PNC has been sending us letters of warning that they will be putting into effect force-placed insurance to for the policy lapse, and charging it to our escrow account. We have mailed, faxed and emailed documents to many people at PNC and have spent countless hours in phone calls, and even visited a local branch in person, but PNC is still sending letters about force-placed insurance, even though we have been able to lock in a new policy. The new insurance does not go into effect until XX/XX/XXXX and PNC is now saying they are going to put a force-placed policy in effect for the lapse, at our expense. We have gone out-of-pocket for various inspections to obtain new insurance and PNC has refused to reimburse us. Phone calls are not returned, and even though we now have an attorney assisting us, we are getting absolutely nowhere. PNC is clearly in violation of RESPA and something needs to be done to hold them accountable for this. | ||||||
| 03/29/2017 | Yes |
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| Someone cashed fraudulent checks against my account in the total of {$9500.00}, XXXX for {$4700.00} and {$4800.00} ( Money Market Account ). On Friday XXXX, 2017, I received a call from the Michigan PNC bank stating that they believe there was fraud on my account. I terminated the call because they asked me for personal information and I did n't want to give it to them. I visited my bank on the same day PNC XXXX spoke to XXXX and told them I wanted to check my account because I was concerned about fraud. XXXX checked my account and said there was no activity and said there was nothing to be done. Over the weekend I checked my account XXXX, 2017 and saw there was a withdrawal for these checks, for XXXX. Called and went into my branch and the money had been pulled from my account. The bank put notes in their system and told me that someone would call and investigate the account and advised a XXXX would be assigned. They later assigned XXXX. They did not take anything in writing but took everything down and started dispute XXXX 2017. After the bank delayed I decided to put my dispute in writing and submitted an ID Theft Affidavit. They scanned it and said it was n't needed. However, they have never gotten back to me and now it has been almost 30 days and they have delayed getting back to me. I 'm concerned that this has n't been resolved and that the bank did n't close my account on the XXXX when I suspected the fraud. I understand that as a consumer I have a right to have fraudulent funds reversed if I report it in a timely fashion. I did not authorize this. | ||||||
| 08/03/2023 | Yes |
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| Greetings, On XXXX of 2021 I helped my brother sell his vehicle and received a cashiers check for a little over {$37000.00} USD and went to the bank located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX, United States. I asked the bank teller if it was ok to deposit a cashiers check under my brothers name in my personal bank account. The bank teller proceeds to say, there is no problem as long as my brother knows and signs. The check was cleared within XXXX hours and the bank decided to place a 7 day hold due to the high amount. I said ok, no worries I understand this is a security measure. I call the bank that issued the check ( XXXX XXXX ) and confirmed with them that the check was indeed already cashed and in PNCs possession. Without any certified letters, or emails or calls to notify of a longer hold the bank has held my money FOR ALMOST TWO YEARS NOW!, i went to several branches I spoke to several managers and they only asked me ON A RECORDED PHONE CALL, that me and my brother should walk in the branch with TWO FORMS OF ID and our social security card. After this was done they promised the hold was going to be removed immediately. Me and my brother both went to the branch on XXXX XXXX XXXX XXXX, XXXX, IL XXXX, United States. Provided TWO FORMS OF GOVERNMENT ISSUED IDs and a original social security card. Once this was done, they again never notified of any updates. I received a call asking me and my brother to go back to the branch for a video call. This is ridiculous. PNC HAS HAS MY {$44000.00} USD on a hold WITHOUT ANY LEGAL REASON! I am tired of this. | ||||||
| 01/03/2023 | Yes |
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| THIS SERVES AS XXXX ADDENDUM TO COMPLAINT FOR XXXX. AS STATED WE WERE VERY INTERESTED IN THIS PROPERTY HOWEVER, AFTER AN EXTENSIVE INVESTIGATION WE COULD NOT UNDERSTAND WHY THIS HOME IS BEING SOLD FOR THE XXXX TO XXXX TIME AT AN EXTENSIVE PRICE POINT. IT APPEARS COMPASS BANK NOW PNC HAS REFERRED THIS HOME TO XXXX FOR SALE. THIS HOME HAS BEEN PAID OFF AT LEAST 5 TIMES DUE TO THE MORTGAGE FRAUD. IN ADDITION, XXXX WAS ON THE HOMW SO THE BANKS WERE PAID. SO WHY IS THIS PROPERTY NOT BEING SOLD AT THE MINIMUM, PRICE POSSIBLE OR GIVEN AWAY. THE HOME HAS BEEN ABANDONED FOR OVER 1 YEAR. WE CONTACTED THE BANK DUE TO A MUCH NEEED TRANSITION, HOWEVER THEY WERE NOT COOPERATIVE. I THINK IF I RECEIVED A CALL FROM AN INTERESTED PARTY NOTIFYING THEM OF THIS ISSUE I WOULD GIVE THEM THE HOME FOR PENNIES, PAY FOR THE CLOSING COST, TAXES, PROVIDE A FULL WARRANY DEED AND A XXXX TITLE VERSUS BEING UNDER INVESTIGATION FOR FRAUDULENT PRACTICES, THIS REALTOR IS REALLY SHADY. IF PNC IS NOT XXXX BANK WE APOLOGIZE, HOWEVER IT'S STATING ONLINE PNC IS THE BANK PROVIDING THE MORTAGE. THIS COULD HAVE TAKEN EVERYONE INVOLVED OUT OF THE LIABILITY ZONE, THEY GAVE LIED ABOUT THE ENTIRE BACKGROUND ON THE HOME. IT ; XXXX BEEN SITTING FOR OVER A YEAR, INDIVIDUALS HAVE MOVED IN AND OUT THE HOME LONG ENOUGH TO TAKE OUT FRAUDULENT MORTGAGE WHICH APPEARS TO BE AN INSIDE JOB AND ABANDONED THE HOME. THIS HOME IS A XXXX HOME. IT NEEDS TO BE PULLED FROM XXXX IMMEDIATELY! THIS IS SCAM! COMPASS REALTY APPEARS TO BE A SUBSIDIARY OF PNC BANK. NAME SWITCH! WOW THIS IS THE SAME SCAM WE WERE VICTIMS OF! | ||||||
| 08/03/2023 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I called my streaming provider XXXX about my reception was told there was a long wait someone would call me back, someone called me back from customer service.He looked up my account and said you have open accounts in your name from other states can I have your ok to shut them down. I said sure don't want that to be happening so he takes some time and he said there all shut down but someone is taking {$440.00} out of your banking account at the XXXX gas station on XXXX XXXX can you go there, I said yes it's very close so I go and he said put your debit card in to stop transaction, saw a sign on ATM saying XXXX, I told him I'm not putting my pin number in and he said just put these numbers in that he said over the phone and he said ok payment was stopped. I ended the call and called my bank to report what was said to me, the person I spoke with said I had to wait til it cleared before I could do anything so that Wednesday it cleared and I filed a claim they refunded the {$440.00} and said they will look into it so a few days later I get a letter from them saying there was no error and took the money out leaving me - $ XXXX go to the bank and they shut down my account and gave me new account, so I call the the bank fraud service and they said know one put in my account of what happened so now I go back to the bank and said what do I have to do to get this resolved, get a lawyer, and she said I can't talk to you anymore and someone will reach out to you..I said my SS check is here and I need to get to my new account but she wouldn't help me. | ||||||
| 10/13/2021 | Yes |
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| BBVA USA was merged with PNC Bank. All BBVA customers received welcome packets stating that the transition period would be the weekend of XX/XX/XXXX until the XXXX. During that weekend it was told to customers that funds would be accessible no matter what. From the very start of the weekend, customers funds were locked and no access was granted during this period. When called upon, BBVA stated that because there was a merger, customers would need to contact PNC. when contacted, PNC stated that those customers were not in their system and to contact BBVA. This back and forth went on the entire weekend. PNC 's other option was for everyone to just wait it out until Tuesday. Not everyone was able to do that. Some folks needs to get their medications or gas or food and had no access and no help from either company. At one point, BBVA stopped answering calls and basically shut their phone system done due to the influx in volume of complaints. This was also confirmed by PNC who stood on recorded lines and were disconnected themselves. PNC also had representatives been extremely dismissive and downright rude and obnoxious towards the customers who were experiencing this hardship. When confronted about what would be done, PNC just basically shrugged their shoulders and said, " We'll note it and let someone know your issues. '' That meant to customers, we don't matter nor do the company not care about the extremely negative first impressions they gave out and seem to not be bothered by the fact tons and tons of customers incurred fees because of THEIR XXXX XXXX. | ||||||
| 05/13/2019 | Yes |
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| I am located in California and have a line of credit with PNC. I have not had a balance on this line of credit for quite some time. We are selling our home and needed to obtain a pay off demand from PNC to close on our home. PNC has not sent us any statements so we did not have the current account number. Called them and they verified who I was through their three step verification process. Initially spoke with XXXX who said she could not provide any information because I could not verify the most recent credit limit. Escalated up to XXXX XXXX who was able to verify who I was. Issue is that he said they are unable to provide me with my loan number to order the payoff nor can they email or fax me a statement because I am not located in their " footprint ''. He said the only way they could do this is to have me go to one of their branches that is out of state or I will have to wait 5 to 7 business days from them to mail me the information via standard US mail. I explained that if this process takes too long I will not be able to close my home on time. Are they sure there is no other way to accommodate a customer outside of their bank footprint. He said no. This is concerning. If a bank is doing business here in California they should have policies in place to accommodate their customers just like they could the ones within their bank footprint. Almost sounds like disparate treatment!! This will not be a huge issue for me as long as I can obtain my pay off in two weeks but for other customers outside their bank foot print this could be an issue. Thank you. | ||||||
| 04/23/2020 | Yes |
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| PNC Bank XXXX XXXX XXXX XXXX, OH XXXX RE : Banks Failure to Post Payment Today, I received notice from PNC Bank ( Bank ) that our mortgage payment was late ; however, payment was made to the Bank on time, that payment was cashed by the Bank, and the Bank failed to appropriately allocate my payment to my account. Upon receiving the referenced late notice, I called PNC Bank Customer Service, where I waited on hold for approximately 10 minutes. When I was finally connected, I spoke to XXXX XXXX. I shared with XXXX, the following : 2 checks sent in one envelope to the bank, with the payment slip totaling {$2500.00} ( as done in prior months, with extra going to principal ) o Check # XXXX ( XXXX XXXX XXXX XXXX ) - {$1500.00} was cashed by the Bank onXX/XX/XXXX o Check # XXXX XXXX XXXX XXXX XXXX XXXX ) - {$1000.00} was cashed by the Bank on XX/XX/ Both checks included the account number XXXX advised that the payment for {$1000.00} ( # XXXX ) was applied to my account ; however, the other check ( {$1500.00}, # XXXX ) was not applied to my account. XXXX then requested a supervisor to review the account, but due to excessive wait times and heavy call volume, a supervisor was unavailable. As a result, XXXX was opening a research ticket into the matter. I am requesting immediate and full resolution to this matter, with written notice of the resolution, incorporating the following : The late payment of {$62.00} removed from account Any and all credit bureau reporting corrected, noting that this is a Bank error A copy of this letter has been sent to the bank. | ||||||
| 12/02/2015 | Yes |
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| I incurred XXXX overdraft fees between XXXX & XXXX. I feel these are not warranted because of how transactions posted. These fees continued simply because my account had already been overdrafted and more transactions were on their way to posting. When calling PNC, I was hung up on by XXXX person and was given misleading information by several others. Even after depositing funds to satisfy the current overdrafts, I called PNC and was n't made aware that more fees were to come for transactions that I had assumed were posted. Because of the available balances provided on my XXXX App by PNC and also PNC Atm receipts. Staff persons have condescending with me in most cases regarding my valid complaint and inquiry for additional information regarding my finances and my account. I 've filed XXXX complaints which I am waiting to hear back on. I asked about consumer rights/customer rights/ grievance policy in which the individual I spoke with had difficult divulging that information to me. I 've had an account with PNC since 1997. This year I 've had the most incidents with this bank then I ever have. No one is on XXXX accord resulting in the consumers ( in this case Me ) being misinformed results in the bank simply taking my money without transparent and legitimate explanation from individuals tasked with representing the organization. I believe the information accounting process needs to be reviewed for PNC bank and also the guidelines for over-drafting which comes with opting in. An option that I had no knowledge of for the first few years of my XXXX account. | ||||||
| 12/08/2020 | Yes |
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Web | Older American |
| PNC Bank is the problem XX/XX/19 {$15000.00} was the amount of the check. charged {$40.00} returned check fee and an extra {$150.00} from the XXXX XXXX County Tax Collector I wrote a check to pay my taxes and PNC Dishonored the check. They claim it was an irregular signature. My signature hasn't changed in more than 50 years. They sent me no proof of what was different. I am XXXX years old and I am not leaving the house because of Covid-19. I tried to call PNC to complain about the nearly {$200.00} if cost me because they couldn't take the time to verify I wrote the check. I wanted them to speak with my daughter. They asked way more than normal security questions. I think they had one of my old addresses ( more than 15 years ago ) wrong and they wouldn't believe my answers! After nearly a half an hour they said I wasn't me and they wouldn't speak to my daughter about the account or issue. They told me I had to present in person at the bank. As I said before I am not going out in public. If there is a questionable charge on a charge card the banks do not hesitate to call, text, or email but PNC did nothing but mess up my tax payment. My check should never have been refused and I wasn't given the courtesy of a phone call. I have never had something not accepted because of my signature! It was to pay taxes! Who fraudulently pays taxes! It was absurd and the questions they harassed me with were unreasonable and I told them it was hard to hear them! PNC also doesn't have an email address to send a message to either. Thank you for your help! XXXX XXXX | ||||||
| 05/26/2020 | Yes |
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| On XX/XX/XXXX and XXXX I was assessed 7 overdraft fees on transactions. I dispute the validity of 5 of them. I overdrafted in the first place due to a deposit from my employer not arriving as previously expected, so I do take responsibility for XXXX of the transactions overdrafting. All transactions were initiated on XX/XX/XXXX, though some I have since been told did not officially post until XX/XX/XXXX. I began my day with {$170.00} in my account and initiated the following transactions first : {$9.00} - XXXX {$43.00} - XXXX XXXX {$37.00} - XXXX {$9.00} - XXXX {$64.00} - XXXX Those transactions total {$160.00}. Each was initiated when funds were shown as being available in my account. The following two transactions occurred after {$300.00} - ATM Withdrawal {$92.00} - XXXX PNC is claiming that the first 5 transactions did not officially post until the XXXX or later, even though they were initiated first. They in turn posted the {$300.00} withdrawal as technically first then, causing all transactions to overdraft - even though when they were initiated funds were available. I've subsequently been told it is my job as a consumer to guess when a transaction may technically post and I shouldnt assume it will the day the transaction actually is initiated. This feels against the spirit of the CFPB rules on this topic. I checked my available funds, they were there, I initiated my transactions, I ended the transations still with funds in the account, but another transaction jumped to the head of the line and caused the overdrafts. This is not fair. | ||||||
| 03/24/2017 | Yes |
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| PNC bank mailed me a physical letter advertising my pre-approval for a new credit card with a promotional bonus of { {$100.00} } upon meeting certain requirements. After meeting the requirements no { {$100.00} } bonus was received. I spoke to a PNC Bank ( 800 number ), the Branch ( both in person and on the phone ), then the their escalation department and then their department that oversees escalation to further escalate the escalation. They are aware of the offer, but state that I am not eligible to receive the { {$100.00} } offer because my wife with a shared checking account had previously received a bonus year ( s ) prior. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified. It does specifically state that, " If multiple credit cards are opened with the same primary borrower, only XXXX credit card account will be eligible for the {$100.00} offer. '' I have never applied for PNC Credit Card before so I should be eligible for the {$100.00} offer. If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line. Till this day, both my wife and I receive numerous PNC Credit Card Offers with bonus. If their rules had stated, WHICH IT DID NOT, that only XXXX credit card bonus per household may be eligible and given, then I would not have applied for the credit card. I believe this is false advertising among other things. Thank you for your time. | ||||||
| 05/12/2023 | Yes |
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| I opened a Virtual Wallet Performance Select account with PNC Bank on XX/XX/2022 with a required {$5000.00} direct deposit within 60 days to earn a {$400.00} sign up bonus. My work took too long to process my direct deposits, so I called PNC Bank and downgraded my account to Virtual Wallet with Performance Spend that had a required {$2000.00} direct deposit within 60 days to earn a {$200.00} bonus. I was told by the customer service representative who downgraded my account over the phone that if I direct deposited {$2000.00} by XX/XX/2022 that I would receive the {$200.00} bonus. This is the reason why I downgraded the account. It is now XXXX and I still have not received the bonus after having direct deposits to PNC Bank all this time. I called PNC to check on the status of my bonus, and the representative told me I originally signed up for the Performance Select account so I would not receive the Performance Spend bonus of {$200.00} that the representative told me I would receive after downgrading. I told them I was told that I would receive the bonus and that I was told deceiving information and that I was not happy. A couple days later another representative from PNC called me. I told her about the situation. She told me that I would not get the money, but she could still put in a complaint to PNC " to try '' to get the bonus. After the complaint, I never received the bonus. It is very frustrating that I have been making direct deposits since last year and the bank is taking advantage of me. PNC Bank owes me the {$200.00} bonus they promised me. | ||||||
| 02/22/2019 | Yes |
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| I ALWAYS KEEP RECEIVING THESE BELOW EMAIL. LOOKS LIKE THIS EMAIL IS EITHER COMING FROM XXXX OR XXXX OR SOME OTHER FOREIGN COUNTRY, I AM NOT SURE, I AM GUESSING IT IS FROM FOREIGN COUNTRY BASED ON THE FORMAT OF THE EMAIL ADDRESS. PLEASE LOOK AT THE FORMAT OF THIS SENDERS EMAIL ADDRESS. PLEASE DO SOME RESEARCH AND INVESTIGATION AND TAKE THE FRAUDS INTO YOUR CUSTODY SO THAT THEY DON'T MISLEAD INNOCENT VICTIMS. THANKS. THIS IS THE EMAIL I RECEIVED WITH SOME ATTACHMENT, I DIDN'T OPEN THE ATTACHMENT : - ________________________________________ From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : RELEASE OF FUNDS REF : DIRECTIVES ON FUND RELEASE Dear Sir, My name is XXXX XXXX, Chief Financial officer at the PNC XXXX services group.I am writing to bring to your notice that we have received instructions from the Bureau of Fiscal Service 's United State Treasury to process the transfer of your funds to you. Consequently, to enable us commence further processing of your transfer you are required to fill the attached Funds Processing FORM " M '' and send back to me for further action.The form should be legibly filled in your hand writing and returned back by attachment.You are also to forward a copy of your Identification, which could be either your drivers license or International Passport. Upon the receipt of the attachment you shall be advised further.Please, quote Security Ref : XXXX as subject of your email to me. I may also be reached on XXXX Regards XXXX XXXX Chief Financial Officer PNC Financial Services Group XXXX | ||||||
| 04/02/2021 | Yes |
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Web | Servicemember |
| I had a car loan open with PNC bank. Recently I have paid it off. As per NJ DMV its is guidelines " The Lienholders normally hold 's the Title until the Lien is paid off. They should have also mailed you the Vehicle 's Title when they sent you the Lien Satisfaction Paperwork. '' in which PNC has not done. After waiting a month for the title I called whereas they acknowledged they sent it to the wrong address. I politely asked multiple times if they would send me a new title. They said that " There responsibility with the loan was over and that they no longer had to serve me. '' I tried calling multiple other times in which my call wasn't even picked up. The contract terms was that they take care of all the execution and administration of the titling, hence why I paid administration fee 's. I was never late for my payments not once, provided them a plethora of interest payments, and paid off the car prior to its due date. I was under the expectation that they would send me and transfer the title when the loan was completed, to finalize the loans execution and transfer the property. The property has not be transferred therefore the loan is still outstanding. NJ is now penalizing me for not transferring over the title, in which they sent to the wrong place. I also have to pay administration fees for getting a replacement title. I have damages and I'm holding PNC personally liable for them. I would like you to review my case, and administer any necessary penalties and fines on PNC Bank for breaking the agreement, and fiduciary responsibilities. | ||||||
| 01/28/2022 | Yes |
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Web | Older American, Servicemember |
| From PNC Bank, on XX/XX/XXXX, there were numerous unauthorized wire transfers in which PNC ignored their own security alerts. PNC was alerted that these transfers were unauthorized transfers before PNC transferred the money out of my account : 1. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 2. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 3. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 4. XX/XX/XXXX Unauthorized transfer of {$1000.00} + {$25.00} wire transfer fee 5. XX/XX/XXXX Unauthorized transfer of {$1500.00} + {$25.00} wire transfer fee My daughter is a witness to these unauthorized transfers. She, my daughter, is the user of this custodial account I set up for her financial protection. PNC will not return my calls of concern and told my daughter that I am responsible for the wire transfers. I have called PNC three times, spoke with the manager, and called their security-line 3 times. I have been hung up on, told how sorry they are ( but told there's 'nothing ' they can do ), and even denied 'where " the money transfers were sent ( they said they don't have documented proof to show me ). All of my banking access is secured with a 3rd system cell phone code, so my accounts could NOT have been logged onto to make the Money Transfers. My daughter has been given PNC account alerts to any unauthorized activity AND does respond " yes '' or " no '' to any activity ; however, there was NO alerts given on these Money Transfers of XX/XX/XXXX. Can someone help me? | ||||||
| 08/30/2023 | Yes |
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| On XX/XX/2023, at approximately XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Complainant '' ), received a phone call from PNC Bank representative XXXX XXXX XXXX XXXX XXXX XXXX of Customer Relations. XXXX XXXX, informed the Complainant that PNC Bank was in receipt of the Complainant 's filed against PNC Bank on XX/XX/2023. However, the PNC Bank representative went on to discuss actions PNC Bank took in another complaint filed against it by the Complainant. The PNC Bank representative made the bogus assertion : " XXXX XXXX, PNC applied the {$3700.00} of over payments you made, to your principle balance. '' Although difficult to do. The XXXX held his tongue in check. The Flex Modification over payment of {$3700.00}, made by the Complainant " XXXX '' be applied toward his mortgage not his principle balance. The Flex Modification is a " CONTRACT '' entered into between the Complainant and Fannie Mae, and not some XXXX Bank whose only goal is to fleece the public. Yes. It has become personal. PNC Bank has XXXX 's full attention. PNC Bank 's malfeasance, the misappropriation of the XXXX 's Flex Modification over payments is violative of contract law as well as the XXXX 's right to due process, in violation of his right of equal protection under the law. The XXXX 's over payments-payments coerced by PNC Bank XXXX SHALL be applied to the XXXX 's mortgage, not to his principle balance. As if the Complainant actually believes the defendants who have consistently engaged in fraudulent and deceptive practices from the very beginning Fannie Mae hired these predictors. | ||||||
| 10/22/2021 | Yes |
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| I reported a fraudulent credit card purchase on my PNC credit card for two transactions onXX/XX/XXXX. One was for {$31.00} and the other one was an international charge for {$0.00}. As a result, PNC closed my credit card and reimbursed me for these two charges. When PNC issued me a new credit card, they transferred the remaining balance on my old card to my current credit card. The amount of the remaining balance that was transferred was {$360.00}. This transfer occurred on XXXX. PNC charged me a late fee of {$27.00} plus interest of {$13.00} both on XXXX. Both of these charges were in regards to my old credit card that I reported fraud on. PNC claims that the payment on my old card was still due on it's original due date and that is why I received these late payment charges. When PNC transferred my remaining balance to my new card, it automatically closed out my old card and thus gave it a {$0.00} balance. Even though I had automatic payments set up on BOTH my old and new credit card, no payment was automatically deducted. Also, NO NOTICE was given to me ( neither via email or regular mail ) that a partial payment on my old credit card would still be due on its old due date despite the fact that the old credit card was closed and had a {$0.00} balance. Also, when I received my new statement for the current credit card, there was NO MENTION of separate due dates for my balance from my old credit card. Since no notice was given to me via mail or email, this should be a violation of Regulation Z concerning credit cards and disclosure acts. | ||||||
| 10/26/2023 | Yes |
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| Hello, I had purchased a money order from the XXXX PNC branch on XX/XX/2016, and made the check payable to my niece, XXXX XXXX XXXX, who lives in XXXX XXXX. I had issued the check to her, and she lost the check. She recently found the check, but was unable to cash the check because it had been escheated to the state of Ohio. My niece mailed the check back to me, and I was told that the check had not been escheated because it was a money order and attempted to cash the check. The check was denied. I have started the unclaimed funds process through Ohio, and they need proof that I originated the check. Since this is from 2016, I do not have a copy of the purchase receipt. I am asking for documentation from PNC to show the state of unclaimed funds in Ohio that I was the originator of the check, and should have the authority to claim those funds in full. They advised they need something from PNC showing that I was the originator of the funds. PNC bank has not been able to obtain this for me and advised I should attempt to file a complaint with the CFPB to see if this can be researched further. I need documentation showing that I originated the check. A money order receipt showing the name of who originated the check. A banking statement, although it has just been past 7 years. There has to be some form of microfiche records showing that I originated the check. My son-in-law has full authorization to speak to anybody at PNC. His phone number is XXXX. My phone number is XXXX. My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. | ||||||
| 12/14/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2021 at about XXXX am, I used a PNC ATM to deposit {$700.00} cash into my XXXX checking account ( using my XXXX debit card ). I put my debit card in ATM, put in my XXXX pin #, selected deposit to primary checking account, then inserted 7 {$100.00} bills in the deposit slot. The machine spit out my debit card, but kept the cash I put in. I immediately contacted XXXX and they told me PNC had to fix the problem. I then went to the PNC branch where the ATM was located. They told me XXXX had to fix the problem since it was a XXXX card used. Every day since, I have spoken to several people at both banks and keep being sent from one back to the other. XXXX did file a dispute but immediately denied it saying they saw now evidence of me attempting a transaction. PNC refuses to file a dispute because it was a XXXX debit card transaction attempt. With neither bank willing to help me, I am out {$700.00} and likely will never see my money again! Its a PNC ATM ( pics attached ) but they say its a third party that services their ATMs. All it takes to resolve this issue is for one of the banks to do whats right and file the dispute so they can get the money in my account. PNC admitted they were having ATM problems for a few days, and the machine doesnt print receipts either ... which would have helped alot. This is alot of money to just watch it disappear. This has now put me in a financial burden thanks to 2 banks ( that im a customer of both ) not being willing to fix it! Honestly, this is pure theft but I dont know where to go for help. XXXX XXXX | ||||||
| 10/03/2022 | Yes |
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Web | Older American, Servicemember |
| Several years ago I closed my HELOC account in person with the assistant manager of BBVA Compass bank, and after a call by that assistant manager she told me my HELOC account was closed. There was a new transition last XXXX XXXX where BBVA Compass bank was now owned by PNC bank XXXX In XX/XX/XXXX I received a $ XXXX yearly finance charge from PNC bank. I inquired about this at my PNC branch. They made a call to the PNC Loan Service department that handles this and they stated I was charged the {$50.00} because my HELOC was not closed. I told PNC the account had been closed when it was BBVA Compass bank and I expected it to be closed based on the information I received from the assistant manager of BBVA Compass. I told PNC they needed to refund the {$50.00} finance charge back to my checking account. PNC stated it would take a few days for this to be evaluated and the money refunded and to check back in a few days, which I did. The money had not been refunded, and unbelievably my HELOC account still had not been closed. When the transition from BBVA Compass bank occurred last XXXX, PNC failed to appropriately update their files to show that the HELOC had been closed. I made several calls to PNC Member Services who forwarded the matter to their Loan Service department and always told they would contact me, but no contact by e-mail or phone every occurred. My request to close the account and credit the {$50.00} finance charge has been totally ignored and I find this conduct and lack of professionalism irreprehensible as a customer of PNC bank. | ||||||
| 10/23/2023 | Yes |
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| The lender is forcing the escrow to my account. Last year they bought the mortgage from the other lender and they just decided to add the escrow to my account even though I didn't agree on it with them or with the previous mortgage lender. I never received the letter about it but found out during setting up my mortgage payment. During settlement with the previous lender I check the box that I will pay my taxes and don't need the escrow, this lender decide to sent the money to tax collector and pay the taxes even they are paid already they added {$12000.00} to my mortgage and my credit dropped XXXX points because of that. They went and send {$10000.00} for property taxes and thanks god my tax collector didn't deposit the checks, but they credited my account even thir checks were not depositedand i never approved that. I tried to ask them why they are doing that they try to tell me that there is delinquent taxes on my account which wasn't true. I provided all the needed statements, checks and even a certified tax letter and I am just stock with them, they are not willing to listen, they even told me that the township call them and asked for the money that was a lie because I asked township if my bank lender called about my taxes and they said no. They did not stop harassment against me and I think that they are doing discrimination because of my first and last name, that how I feel. I even call them and they are saying that they can do that, even I have all proofs that all taxes are paid. PLEASE HELP, DONT KNOW WHERE AND WHAT TO DO ANYMORE. | ||||||
| 02/08/2020 | Yes |
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| Upon receiving my XX/XX/2019 statement from PNC Bank for checking acct number XXXX, I found that a {$21000.00}. ACH phone payment had been made to XXXX XXXX ( copy of statement page attached ). I did not authorize this payment, do not have any XXXX XXXX accounts or activity, and do not know who's XXXX XXXX Account this {$21000.00}. went to. I called PNC Bank customer service who said they could not reverse the payment, and suggested I call XXXX XXXX. In speaking to XXXX XXXX on 3 occasions, they told me that PNC Bank must file a FORMAL COMPLAINT, XXXX XXXX will not deal directly with me, the account holder. Attached is the initial letter from me faxed by PNC to XXXX XXXX. PNC did not receive a response from XXXX XXXX. PNC XXXX, XXXX XXXX XXXX Branch Manager XXXX XXXX spoke to another PNC Department, and I received the attached response, again saying I should contact XXXX XXXX. Reaching the PNC Retail Escalation Department and speaking to XXXX XXXX, I have requested that PNC file a FORMAL COMPLAINT per XXXX XXXX 's instructions, but PNC has not filed a FORMAL COMPLAINT to XXXX XXXX. For the last 3 weeks, XXXX XXXX and XXXX ( last name?? ) have not returned my phone messages, and I only get voice mail now. PNC tells me that anyone can call with a routing number and account number that can be read on the bottom of all checks written and they will perform an ACH debit with no further verification. I can not believe this is true. I believe that PNC is now ignoring me hoping that I will absorb the fraudulent {$21000.00}. ACH phone payment. | ||||||
| 04/30/2019 | Yes |
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Web | Servicemember |
| I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. PNC placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are XXXX XXXX XXXX veterans who both served in war in XXXX. We were never late on our mortgage payments and were current for years ( about 10 year ) until the hurricane. Other mortgage companies assisted many in our area and even the other properties I own. But at the end of the 6 month term PNC would not help and I was left being 6 months due. I would have never accepted the " assistance '' from PNC had they not given a commitment to help bring my loan current. Now I am facing a foreclosure sale date of XX/XX/2019 in spite of having a complete loan modification application which is simply my VA award letters and bank statements. Not a whole lot but PNC made it very difficult to have a " complete package ''. In spite of " dual tracking '' being restricted per CFPB servicing guild lines PNC continues to have a sale date and active review in violation. | ||||||
| 08/20/2015 | Yes |
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| In 2014 my home in XXXX Maryland was foreclosed on by my lender ( PNC XXXX despite the fact that I received no less than XXXX bonafide offers from buyers that were willing to do a short sale. Additionally, during the foreclosure process I was not granted a mediation with PNC despite the fact that I properly and timely submitted a request for the same with the court. I believe that PNC acted in bad faith in the foreclosure process by rejecting XXXX short sale offers and by not taking into consideration that my legal rights were impaired as a result of not receiving a court mandated mediation. Instead the foreclosure sale proceeded and the home sold for less than what was originally offered by the prospective short sale purchasers. I sent XXXX letters to PNC recounting the situation and seeking to reach a mutually acceptable resolution. My first letter went unanswered and the second merely brushed me off in the traditional big corporate manner. The impact on my credit and tax consequences for the foreclosure have been very serious. I understand repayment of any deficiencies are my responsibility and I have made arrangements with creditors to true up my obligations. However, I am of the firm belief that PNC unduly enriched itself by proceeding with a foreclosure in lieu of other reasonable options which I presented them with in good faith. I am not asking for monetary remuneration however, I am seeking to have the foreclosure removed from my credit report. I have records to support all of my claims above and I am seeking the CFPB 's help here. | ||||||
| 06/16/2023 | Yes |
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Web | Older American |
| Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by a fraudster the company that is pretending to be an investment company, operating under the business name Coinleadsn.com ( the XXXX XXXX ), with thedesign, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent trading service posing to be a trading/investment company, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account in the amount of XXXX USD utilizing your services. By reason of this misconduct, you violated, and if not enjoined will continue to violate, many of the international anti-fraud policies, which are established to facilitate the development of controls that will aid in the detection and prevention of fraud worldwide. Kindly note that the company is not authorized by the XXXX XXXX XXXX XXXX XXXX in the XXXX where I live, which means that the Scammer is an unlicensed, unauthorized, and unregulated entity ; therefore, is unable to provide any financial or investment service. Moreover, from my understanding, the Company is not registered with any financial regulatory body elsewhere in the world. I hold PNC Bank fully responsible for this fraudulent transaction. Attached is a complete written record of the complaint that I refiled with PNC Bank on XX/XX/XXXX. To the current time, I have not received a written response from PNC Bank. | ||||||
| 07/10/2018 | Yes |
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Web | Servicemember |
| I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!! | ||||||
| 12/07/2023 | Yes |
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| I am XXXX and can not read or write as I am severely dyslexic. I lived with my mother who passed away. A man known through my half brother named XXXX XXXX happened to own a business XXXX and suddenly took an interest in helping my garage shop neighborhood means of not much money but enough of repairing anything from lawnmowers to cars for those who know me in my area. He convinced me that I could be given a grant by the government for being XXXX to grow my shop and have a real shop and be able to bring in more customers. He promised to handle everything for me because he cared. He ended up getting a Small business XXXX covid loan in my name and I now know he put me as a caterer. He quickly vanished and I repeatedly called the bank PNC to ask if my money over {$21000.00} had come and why I was never getting a card or statement or anything. They repeatedly told me I received every card and would not answer anything because he changed the answers to questions and address and phone on me. I went there as I got really worried and the woman was very rude and printed me out all of his withdraws under his name and company name leaving the account at nothing fast. She just said someone would call me and walked away. PNC knew I was XXXX and XXXX from the day I opened the account I told them. All of my many concerned calls begging them to freeze my account and not let anyone take money out were ignored. I have now reported him and them to the FTC and SBA for scamming the government and exploiting a elderly XXXX man out of a secure financial future. | ||||||
| 10/27/2023 | Yes |
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| PNC Bank acquired BBVA Compass Bank in late XXXX. I had a HELOC with BBVA Compass for over a decade. MY credit Union, XXXX XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until PNC acquired BBVA. I was informed in XXXX XXXX XXXX that I was three months past due. I immediate paid PNC the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that PNC claimed were never made. After many many months of getting the run around I provided PNC with multiple documents including official communication and verification from XXXX XXXX XXXX that the payments were made and were never returned or rejected by PNC Bank. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, PNC ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before PNC acquired BBVA. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by PNC | ||||||
| 09/28/2022 | Yes |
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Web | Older American, Servicemember |
| I was victim of a Payment Scam. Fraudsters impersonating PNC XXXX XXXX stated a withdrawal of {$5400.00} was about to take place from my checking account. The money was to be used to purchase cryptocurrency. I needed to immediately go to my PNC branch and withdraw the same amount, go to a bitcoin ATM and insert the cash, and take the receipt back to the PNC branch in order to negate the supposed withdrawal that was to take place from my checking account. I was convinced I was speaking with a PNC XXXXXXXX XXXX on the phone and went to the PNC branch, requesting withdrawal of {$5400.00} in XXXX bills. The teller was given approval to complete the transaction. I was nervous and frightened. No bank employee ASKED or QUESTIONED why I was making such an unusual request. Had they questioned me It may have motivated me to tell what was happening to me at the time. I was being controlled. I therefore lost the {$5400.00}. I didn't realize I had been scammed until later when I called PNC and reported what happened. Had the teller attempted to question me, I feel it may have broken or interrupted the control the impersonator had over me at that time. I feel PNC failed me at a time when I needed help but was too afraid to ask. The fraudster had warned me that there was suspicion since PNC had approved the initial supposed withdrawal, that someone within the branch may be involved. I was instructed not to say anything to anyone inside the bank. A full detailed account of what happened was given to PNC during which I was advised that I had been scammed. | ||||||
| 11/22/2021 | Yes |
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Web | Older American |
| Have an account with The Online PNC-Bank XXXX They urged me to pay USD XXXX just to open my account for intl. transfers to my account in XXXX. Then me mad the first transfer, but never the money arrived in XXXX. After XXXX days me got a mail from the : INTERNATIONAL TRANSACTION PROCESSING UNIT XXXX : and asked me to pay taxes USD XXXX. Wanted to pay them from my USD-Account, but they refused, they blocked my account and all the transfers were be sent back to my US-account. They threatende me with shutting down of my account and the bank said the same. The Ombudsman, said, that company is fraud. Don't know, but me have no money in XXXX to pay to them and the wanted me to pay to the PNC-Bank . That's very seldom because there are about USD XXXX. Please see the latest mail from that bank from today : " Re : Re : My account with your bank-no. XXXX XXXX XXXX- Wan na make intl. transfers, but that's not possible. - Tax-problem Well it seems you dont want us to get this done for you All you have to do is wait till the appointed day then you will notice that your account is gone and the money will be sent back to XXXX XXXX account and shut it down too I will order my staffs to notify XXXX about the XXXX update, her fathers account will be shutdown permanently soon Good bye since I wanted to render a help to you but I noticed you are not ready to comply So me will lost all my payments and the money of that account. Suppose they are frauds like the tax-company, but not sure. Please help me to save my money. Thank you very, very much for your help. | ||||||
| 10/09/2018 | Yes |
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| Approximately 8-12 months ago, PNC bank changed it's online banking system. My first statement after that double billed me for the monthly payment. I called and they said to ignore it as the system was buggy. The next month, I noticed that the " explanation of amount due '' section had incorrect amounts listed, but they totaled to the correct monthly payment amount. The principal and interest amounts seemed to be reversed, except they were still each off by a few XXXX dollars. I called to ask about it and they said they were working on it. I called again a few months later and they said they were still working on it. I called again a 3rd time and 4th and 5th in the following months and they can't fix it. The amounts don't add up. I requested an amortization table on the loan, but they said this is not something that they have. The payment breakdown changes every month depending on the number of days in the month. They did update my online banking statement to show payment history now ; but for record keeping purposes, future bank loan applications, and so that I can check on the progress of my loan payments ; I would like the monthly statements corrected. I have previously also requested that my past statements be resent with the correct breakdown amounts and correct remaining outstanding principal shown ; but they can not do that either. I have nearly a year of loan/mortgage statements that make no sense. I'd just like accurate records. This type of long term mistake on basic paperwork and the inability to correct it is concerning. | ||||||
| 02/15/2023 | Yes |
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| Early XXXX- I set up a {$220.00} payment for utilities to be paid XX/XX/XXXX XX/XX/XXXX - I realized I did not have {$220.00} in my account, but I did have a check from XXXXXXXX XXXX I received in the amount of {$160.00} a couple of days previously. I go to cash the check at a PNC Bank in XXXX XXXX, PA. I get a receipt ( I still have ) showing an ending balance of {$3.00}. I also check my online account and it says the same thing, so I think I am fine, and will not get charged {$36.00} for an overdraft fee XX/XX/XXXX - I get an email saying my account is overdrawn. I call customer service letting them know I have a receipt and on the PNC website, under Account Activity, it shows an ending balance of {$3.00} on XX/XX/XXXX, but for some reason on XX/XX/XXXX I am charged {$36.00}, so my account sits at - {$32.00}. I asked them to remove their money making fee, but insisted it was valid and I now owe them {$32.00}. It's very nefarious behavior to show a positive cash account and then charge an overdraft fee. I have only had 2-4 overdraft fees since signing up with PNC in XXXX. I want the fee removed and my {$3.00} back in my account, as it should be. This is not the first time they have not been easy to work with, and I think this is my last time me or my family will do any banking with them *One thing I could have done - cashed the check first, and then put the cash in my account, but I did not think there were going to be any issues after seeing the receipt from the deposit and my online account showing positive at the end of XX/XX/XXXX | ||||||
| 01/26/2023 | Yes |
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| Filed two a claim against a company and the first one was issued provisional credit. Second claim was not because I was told it was filed wrong. Called the bank and told them it was the same dispute as the first one that was issued credit. They told me they would refile. After not hearing anything I was told it was never refiled, so I asked for a supervisor. I was then told I would be called back. Was called back by someone in the executive office who told me she would file claim correctly and would keep me informed. At this point my account is overdrawn so I asked if I cant be issued provisional credit please give me a call so I can make a deposit. Never heard from her. Account was charged off and was told I couldnt be issued provisional credit I would have to wait until results of 2nd claim although first one had been paid. Results can back in my favor. I was originally told I could go to the bank and receive funds and now I am being told that I checked will be mailed in the business name well they closed my account for no reason and that was the only business account I had. Now Im being told the check will be in the business name so how am I suppose to cash it at another bank when that was the only business account I had? They opened the account back up to make the deposit and then closed it and are going to mail me a check now which makes no sense when they could have just left the account open since it was not my fault it got closed. Its like I am being pushed for filing a LEGITIMATE claim and I have no access to getting my money. | ||||||
| 10/11/2016 | Yes |
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Web | Servicemember |
| I 've already filed a complaint with the Federal Trade Commission, # XXXX 0n XXXX XXXX 2016, only to find out I needed to file a complaint with you. On XXXX XXXX 2016, someone who was pretending to be me had {$33000.00} of credit card debt and {$1000.00} of finance charges transferred to my PNC XXXX credit card. No one from XXXX contacted me about this. I discovered it a few days later. To XXXX credit, they removed the bogus charges from my account. I was concerned that I may have been the victim of identity theft. Apparently, the person pretending to be me had all the necessary information. Well maybe not. I asked XXXX if I could listen to the tape of the transaction in order to verify this individual was asked for and gave the proper verification information. XXXX said I needed to file a police report, which I did. Then they told me that the Fraud Department would get back to me. I 've spoken to SEVERAL people at XXXX, all of which were no help. The last one I spoke to was XXXX XXXX XXXX. He said that the person pretending to be me had my last XXXX, address, and birth date. Whenever I have call into XXXX, they ask me XXXX questions. The XXXX mentioned and another personal question. I wanted to know if the person who pretended to be me had that information. XXXX was not able to verify this point nor would he attempt to. It 's my opinion that XXXX did not properly identify the person pretending to be me and transferred {$33000.00} in debt and {$1000.00} in finance charges. This would explain why they will not let me listen to the tape. | ||||||
| 05/04/2016 | Yes |
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| PNC Loan # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX PNC has never allowed this homeowner to be reviewed for Home Retention Options. The homeowners started the short sale process with PNC XX/XX/XXXX - FOUR YEARS AGO. Since the then PNC has inundated the homeowner with multiple requests for the same documents. PNC then allows only a short window of time to return the documents, after which they close out the file, and force the homeowner to start over with completely new and different forms. The homeowner has left voicemails for XXXX XXXX ' - her SPOC ( Single Point of Contact ) - at PNC multiple times. XXXX has not once ever returned a phone call. We have faxed a Payoff Demand to PNC on XXXX/XXXX/XXXX. We have not received any kind of response whatsoever. We have also faxed a complete short sale package to PNC. They have also not responded to this package. Essentially we have received the same treatment from PNC that the borrower received. In fact, the borrower had to get an attorney involved just to get PNC to respond in any way whatsoever. In total, they have worked with a total of XXXX real estate agents, XXXX attorneys, and a professional short sale negotiation company. PNC refuses to respond in any way whatsoever - to anyone. PNC refuses to return phone calls. PNC refuses to provide documents such as a Payoff Demand to the homeowner - this is a violation of their servicing guidelines. PNC has never allowed this homeowner to be reviewed for Home Retention Options. .... And PNC does n't care. | ||||||
| 06/29/2015 | Yes |
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| I am filing this complain against PNC bank for predatory loaning. XXXX years ago I applied for the XXXX of XXXX loans with PNC so that I could attend XXXX XXXX. I felt like I had a chance to get a XXXX degree in a subject I was more interested in and that would pay better. At the time I was making less than {$30000.00} a year working in a XXXX XXXX call center. I had XXXX of dollars in private and federal loans from my XXXX degree. They gave me about {$13000.00}. While I was in school the XXXX XXXX continued to raise their tuition and I was running out of federal aid. PNC offered more money if I had a co-signer. My parents co-signed but were in no financial shape to be accepted, PNC accepted them anyways and gave me about {$22000.00} then {$25000.00}. My parents went bankrupt within a year of co-signing the last loan and I lost my housing. I did n't realize how bad it was until I tried contacting other loan companies such as XXXX XXXX for help to get back into housing and I was told that my debt VS my projected income was not viable and that I would not be able to replay the loans. XXXX XXXX told me they would not have given me the loans I already had, even with my co-signer. I truly belie that PNC gave me my student loans knowing fully that I would not be able to repay them due to theprojected income of my career and my existing loans. To make things worse XXXX did n't give me the skills or tools to get a job in my field. I do n't know if PNC and XXXX are connected but it felt like they were both pushing me to become more in debt. | ||||||
| 11/17/2017 | Yes |
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| PNC Bank has a process for removing the PMI ( Private Mortgage Insurance ) from their customer 's mortgage that entails them sending a form by mail for the customer to sign and return along with a payment of {$500.00} to the bank to have the house appraised by a company of their choosing. My complaint with this system and the experience that I have had with them regarding this request are twofold : 1. The going rate for a single family home appraisal in my area by local appraisers is {$370.00}, {$120.00} less than the rate that PNC charges. 2. I requested the form to terminate my PMI from PNC bank on XX/XX/XXXX. As of today, XX/XX/XXXX, I have still not received the form. I called PNC 's customer service and they informed me that the form was sent out to me by mail on XX/XX/XXXX. I called them on XX/XX/XXXX, worried that it had not arrived yet and asked if they could electronically send or fax the form to me and they said that they could not. Tomorrow I go on vacation for 2 weeks, so I will be paying an extra month of PMI, simply because the bank could not accommodate me in a professional, timely and reasonable manner. I feel that this is disrespectful to the customer and that the delay of sending such a form only benefits the bank, since removal of PMI affects the amount of fees that they receive on a monthly basis. How should it take two weeks to receive a form in the mail? Furthermore, we live in the 21st century, where everything is digital. Why should n't a customer be able to download and print such a form from PNC 's website? | ||||||
| 08/24/2023 | Yes |
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Web | Older American, Servicemember |
| I did not receive credit card statements for XXXX or XX/XX/XXXX. I was not aware of this until PNC called me in XXXX to say that my cards had been suspended for failure to make payment. I called them and spoke to an employee named XXXX. He said that they had received a bill back from the post office and as a result had not sent more statements. He verified the address which had not been changed. He sent me copies of the missing statements. I immediately paid for purchases I had made excluding any late charges or interest. He told me they could only reverse one charge a year. The {$15.00} late charge was reversed on the XXXX statement. In the meantime and on all subsequent bills late charges and interest charges kept being added. On XX/XX/XXXX I spoke with XXXX XXXX. He agreed that it was not my fault that the post office had returned the mail and that he would escalate the matter and it would be taken care of. The XXXX bill arrived today. I called PNC again. I spoke initially with XXXX and then with a supposed XXXX named XXXX neither of whom could resolve the issue. There are {$69.00} in charges that was assured would be taken care of and have not. They are as follows : {$29.00} late charge ( XX/XX/XXXX stmt ), {$2.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} ( XX/XX/XXXX ), {$15.00} late fee ( XX/XX/XXXX ), {$9.00} interest ( XX/XX/XXXX ), {$8.00} interest ( XX/XX/XXXX ) Total {$69.00}. I have been a customer of PNC or one of its XXXX banks for 30 years. This is unacceptable. | ||||||
| 02/21/2023 | Yes |
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Web | Older American, Servicemember |
| In conjunction with complaint XXXX. XXXX XXXX wrote check to me XX/XX/23 for {$8000.00}. Check # XXXX deposited XX/XX/23 into my checking account ( XXXX XXXX ) at XXXX XXXX. XX/XX/23 at XXXX XXXX I was emailed to contact PNC Bank XXXX by XXXX XXXX that day. I got home from work at XXXX XXXX and called. The office closed until Monday. No other department could help me. So, they bounced the check due to lack of signature card on file. REALLY, people do work and can not access their emails. And you give me 6 hours ' notice you are bouncing a check for no reason? This is a new account due to PNC accepting a fraudulent check on our old account ( new acct ending in XXXX ). 10 checks had cleared on this account prior to the bounced check. I appeared in person at the XXXX, XXXX branch on XX/XX/23 and withdrew {$620.00} in cash. NO ONE EVER MENTIONED THAT WE NEEDED TO SIGN NEW SIGNATURE CARDS! Why would the signature cards from the old account not automatically transfer with the money?? So, I had another problem with checks that were going to bounce. I withdrew the money from another account to cover them. My XXXX XXXX XXXX XXXX father had to get his XXXX XXXX XXXX sister to drivXXXX him to the XXXX branch to resign a signature card after being a customer for 35 years. PATHETIC. This isn't a bank, it's a joke. You can call 50 times and you will receive 50 different answers to your questions. No one has a clue what's going on. I feel this was retribution for my filing the original complaint mentioned above. Surely they can not be this XXXX. | ||||||
| 04/30/2020 | Yes |
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| I have a Smart Access checking account with PNC Bank. The account number is XXXX. Unfortunately, PNC, habitually refuses to follow Federal, State, and their own guidelines in handling my account. Approximately three weeks ago I reviewed my statement and there were multiple debits from vendors I had never heard of. Typically when this occurs I ask the Bank for a contact number for the vendor as it is typically more expeditious to contact the vendor directly and advise them the particular charge was unauthorized and the vendor contact the Bank. On this occasion I was told by PNC 's charge authorization department they were unable to notify me of any contact information regarding the multiple vendors and multiple unauthorized debits, but I would receive documentation for me to sign within 48 hours and a replacement VISA Debit card within 14 days. It has been over three weeks and I have received nothing from PNC and when I review my account on line there is a negative balance still reflected because of all the unauthorized transactions! This in and of itself negatively effects my credit worthiness as if I were to go to a different financial institution to open a checking account without all the chronic problems I have had with PNC, the fact that they are reporting a negative balance on unauthorized transactions which the Bank has known about for greater than 3 weeks prevents me from switching to an institution that does not chronically violate Federal and State law, and also their own written rules issued when I opened the account. | ||||||
| 02/22/2023 | Yes |
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Web | Servicemember |
| Hello, I have filed 3 disputes and a corporate complaint as my phone was hacked and there were fraudulent XXXX transactions equating to almost {$2500.00} on XX/XX/XXXX. I have been given the run around with PNC on different departments and this is still not resolved. I will get my attorney involved as I am looking to get to a resolution and get reimbursed for direct funds from my personal bank account due to the fraud transactions. It has been 3 weeks and this is not resolved and I have been passed to different departments and there is not a resolution. This is completely unacceptable as I had my other business bank accounts hacked and I received the reimbursements back from them. This matter needs attention asap as this was not handled correctly and I am personally out of funds that I did not authorize or make the transactions as my phone and computer were hacked. The dispute department stated that it happened in my location well yes, likely it did as it happened with XXXX and XXXX XXXX as well as my XXXX credit card and XXXX credit card and all of the other institutions have refunded me the money back from the fraud charges except for PNC Bank. I spent countless times on hold and Friday, XX/XX/XXXX I spent 4 hours on the phone with PNC and no resolution as they keep denying my dispute and will not refund me my money back from the fraud XXXX charges. I never used XXXX in my entire life and I was hacked. PNC keeps denying this and will not refund me my money even though this has been fraudulent transactions that were not from me. | ||||||
| 09/10/2019 | Yes |
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| My vehicle was totaled on XX/XX/2019. Accordingly, there was an insurance payment made by XXXX XXXX to payoff the loan on XX/XX/2019. The lender, PNC Bank, received the payment on XX/XX/2019, but failed to process the check. On XX/XX/2019, PNC claimed the check was mailed to the wrong address. I notified XXXX XXXX and they cancelled the check and reissued another. XXXX XXXX called to confirm the address and it was the same address the first check was sent to. The second check arrived XX/XX/2019, but PNC is not processing the payment. They refuse to provide information on the delays. As of today, XX/XX/2019, they have been in possession of funds for a total of 33 days and stating it could be at least another 10 days before they know anything. I believe they are either incompetent, or worse, approaching insolvency. Their staff can not provide information, stating " it's a different department '' when I attempt to discuss. Other members simply fail to return calls altogether. I have communicated with : XXXX XXXX - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX - XXXX And XXXX XXXX XXXX ( Supervisor ) refused to speak with me. This failure to process my payoff is abusive and has cost me additional monies. In addition to Per Diem fees accruing daily, my insurance carrier terminated my rental coverage when payment was received at PNC. The rental termination cost me {$440.00} in non-covered rental fees. Additionally, I am still without transportation, and will be until this loan is paid off, which is creating a hardship on me and my family. | ||||||
| 03/09/2023 | Yes |
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| this account was opened online on XX/XX/23 {$7700.00} was direct deposited to the account on XXXX i obtained a counter check as i have never written a check off this account and didnt have any checks to pay for a tree service we had that day i wrote the counter check in the amount of {$5000.00} on XXXX the check was presented via deposit and was paid from my account on XXXX the check was returned due to no signature on the account - opened online on XXXX i was called by the Tree company because they had the returned check same day i went to bank and signed a signature form and was told the tree company would have to wait until the next day to cash. i told the XXXX i would just take the cash and just pay him. first teller told me he could not give me my money because the check had a business name on it and it didn't match my account j- this makes absolutely no sense as i didn't try to deposit it to my account. second teller did something and then froze my account so i couldn't get money out via ATM. this is not the first time the tellers could not read their system correctly and gave me bad info- THIS IS MY MONEY second teller told me to come back in an hour they had to research the check ; when i asked what exactly they were researching she told me she couldn't tell me. again, what's the research for since it was returned from their status of " no signature on file '' at one point she told me i had to wait 5 days to get my money since it was returned. it was returned because of no signature on file not because it bounced!! | ||||||
| 12/02/2022 | Yes |
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| I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. When I contacted PNC and XXXXXXXX XXXX both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, PNC approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ). | ||||||
| 02/28/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I received several documents claiming that a dispute that was filed was settled. I became concerned because I had not filed any disputes with PNC Bank regarding any issues paying my XXXX XXXX Credit Card. I pay this card using PNC Bank bill pay. I am in control of when this bill gets paid, they do not bill the bank for payment. I stopped into a local branch at XXXX XXXX XXXX XXXX PA XXXX to speak to a representative about the issue. I asked for a manager that knew the banking system, I was looking for someone that could answer the questions. The lady at the desk boasted that they have a General Manager and two assistant managers, all that know the system well. She asked me what the problem was. I presented her with several papers claiming that a dispute had been filed over several transactions dating back to XXXX of XXXX. As she looked into the issue, she asked if there was another person on the account since the notation indicated that " she '' did not recognize these payments. She asked if XXXX could have filed these complaints. My response was that XXXX, my wife, passed away in XXXX of XXXX so it would be impossible for her to be the one filing the complaint. At that point, she had no other answers other than maybe someone put a wrong account number in. She also stated that she knew I did not want to hear that. The problem is that she refused because I became irritated that she did not answer and was not willing to pursue how this happened. This did not leave me with much confidence that my banking was secure. | ||||||
| 02/11/2016 | Yes |
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| My first one was modified under the government program by XXXX in 2011. Immediately after that I filed a modification request with my then bank, PNC mortgage. PNC mortgage, instead of doing a loan modification under the government 's XXXX program, they just kept asking me for a lot of paperwork over and over again. After fulfilling all of their requirements and demands, they sent me a settlement offer asking me for a 25 % amount. I contacted them and told them that, that 's not what I asked for. I asked for a modification under the government program. after yelling at me for not taking the 25 % settlement offer, they finally asked me to re-file my paperwork for the government 's XXXX modification. The process started all over again. They requested all kind of paperwork. I fulfilled all of their demands. After waiting for a while ( 90 days ) they told me that the paperwork that I send them has no expired and I would need to file again. and I complied and do that again. This process repeated several times over the course of one and half year. after doing his own and over again, I received a letter that they have transferred servicing of my loan to another service. I tried very hard to work with them just as previously I had worked in XXXX XXXX and PNC mortgage bank. My loan is still owned by PNC bank. However after trying for so many years I have never gotten any review under the federal government 's XXXX program for home equity line of credit. Currently, XXXX of the collections agency, XXXX, is trying to foreclose on my home. | ||||||
| 12/10/2022 | Yes |
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| PNC Bank has been erroneously extracting funds from my account. The company has acknowledged the fault was due to a " coding error '' of their electronic check reader for online banking system. Their coding software was interpreting an incorrect account and routing number for someone else 's check and was withdrawing funds from my account intermittently over the course of 3 years. I did not realize this unfortunately due to this being within my inactive " Growth '' account in virtual wallet. I did not even have checks for this account. I caught the error and they apologized, but they only offered to " adjust '' the last 10 transactions for {$1200.00} dollars while they still owe me {$2900.00}. They have admitted fault, and agreed the additional funds were withdrawn due to their banking error. However, multiple party members refused to pay the additional amount due to them occurring too far in the past. Of note, they attempted to clear another {$2000.00} check from another account when I pulled the funds, but I did not have enough funds in the account at that time. Instead they charged me {$36.00} for a bounced check that I did not write. Still waiting for that reimbursement. I would like to close the account, but feel like I can not until I get this rectified. Total they owe me is : {$2900.00} The credit relationship officer acknowledged they were in the wrong and wished she could reimburse me the full amount, but said her superior refused. She also said they would call me back in 5 business days, which has since passed. | ||||||
| 09/09/2017 | Yes |
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| this is the second complaint on the issue first one not resolved an di wont play phone tag any more or have my precious time impacted further or well being Sometime last year pnc deactivated my non profit acount but still charged fees to it. i did not know or receive any notice about fees did not know it was deactivated until XXXX at that time i asked for fees to be waived for 6 months and asked how it was that i was not noticed about all this and how they could take fees while deactivated. Got no notice of stmts and no online access so dont try to send a script that way. In XXXX someone named XXXX XXXX started to call me said she would help me. take fees off. possibly we have never connected and now its XXXX i cant wont spend time chasing her. i am too busy. i demand either the fees be waived or the account closed. the practice of deactivation of an account while still charging service fees I had no way of knowing were being accessed since i did not getstatements and thus could do nothing to avoid it is questionable at best. If pnc refuses to help which i predict then i am done. i will not pay fees esp in light of the above. Some XXXX named XXXX wasted my time in XXXX and said Sorry nothing can be done. I could are less wht he says do the right thing or i am done. you dont handle business this way. I have deposited large grant checks elsehere while this bank has XXXX call me for 3 months me ask her to help and she does nothing NO MORE wasting my time REFUND fees. I aint paying them HOW DARE This be handled with such red tape | ||||||
| 04/24/2017 | Yes |
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| I recently filed a complaint against, XXXX XXXX XXXX regarding this same issue. However, the same issue remains with PNC Merchant Services. In XXXX of XXXX , I purchase a XXXX XXXX in Florida. As part of the venture, I signed up for merchant services with PNC Merchant services. As part of the agreement, PNC Merchant Services would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g. XXXX , XXXX XXXX , XXXX , etc ) had a different percentage that would be deducted for the amount collected. In XXXX XXXX , my XXXX XXXX went out of business and a settlement agreement was reach with PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to XXXX XXXX via USPS delivery confirmation. XXXX XXXX and PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned. The last credit card purchase made at my business was during the first week of XXXX XXXX , at which time, PNC Merchant Services took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of XXXX is XXXX . Please help me resolve this issue. Thank you. | ||||||
| 07/20/2022 | Yes |
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| This is regarding a 2nd Draw PPP loan originally with XXXX XXXX ( acquired by PNC Bank in late XXXX. ) PNC Bank is using an erroneous definition of maximum loan amount for XXXX XXXX owner-employees and therefore only applied for partial forgiveness of my PPP Loan with XXXX. I corresponded with PNC Bank 's PPP loan specialists primarily throughout the month of XXXX. They took a position and didn't consider the information presented regarding their erroneous interpretation of XXXX guidance ( FYI- I'm a CPA with over 30-years experience in tax an accounting matters. ) Rather than look into the matter, they just kept informing me I could file an appeal with XXXX if I didn't agree. Their position was that for XXXX XXXX owner-employees, health insurance was not included in cash compensation or " gross wages '' and didn't count for purposes of determining the maximum loan - therefore XXXX 's loan to my XXXX XXXX was greater than the maximum allowed and the excess did not qualify for XXXX forgiveness XXXX The salary amount was small ; no were near the maximum salary threshold, meaning health insurance should have been included in determining " gross salary '' and/or cash compensation in calculating the maximum amount that can be borrowed. References : XXXX 's : Paycheck Protection Program " How to Calculate Maximum Loan Amounts - By Business Type '' dated XX/XX/XXXX and also their " Second Draw PPP Loans : " How to Calculate Revenue Reduction and Maximum Loan Amounts Including What Documentation to Provide '', as of XX/XX/XXXX. | ||||||
| 11/13/2017 | Yes |
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Web | Older American, Servicemember |
| I have been using the PNC Bank mobile app to deposit funds into my account for years. Now PNC has updated their mobile app. and the requirements to use the app are an incredible invasion of my privacy. If I do n't agree to their requirements, I am not allowed access to my accounts on my mobile phone. When I inquired in the bank about this horrendous invasion of my privacy, I was told, " Well, just do n't us the app. '' That response is unacceptable. The requirements are wholly unreasonable. Here is what I get when I open the app : " 1. Optional Allow PNC Mobile to access this devices location. 2. Required Allow PNC to Make and Manage Phone Calls. This permission allows PNC to use unique phone information like your SIM ID and phone number to help protect you. 3. Required Allow PNC Mobile to access photos, media and files on your device. This permission allows PNC to assess you device for vulnerabilities against unauthorized account access to help protect you. For security reasons, your access to the app will be blocked if you do not accept the required permission requests. '' I have talked to other people who bank elsewhere and the same requirements are being applied to their bank 's mobile app. Banks have no right to make phone calls on my phone or to manage my phone calls. They also have no right to access my photos, media, or files on my phone without express specific permission. Not even the police or FBI have a right to do these things without a warrant. What can I do about this? What can you do about this? | ||||||
| 01/06/2016 | Yes |
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| PNC ( XXXX Ohio ) has offered me the opportunity to do a loan modification. I have worked with XXXX ext. XXXX, XXXX ext XXXX and XXXX at XXXX. They have XXXX people who work in this loss prevention department and appear to be offering loan consolidations. I have faxed, emailed and mailed the documents three times ; each time there has been an issue with it being lost, " more things are needed '' that were not mentioned and there is this weird three day waiting period for emails where nothing is ever received or found out about. It seems to me that if they really wanted to process anything they would receive the email, collect documents themselves and process them. They appear to be obscuring the process, making it difficult to modify, while in the process collecting fees of XXXX a month. At this point, they have drug their feet on my modification and collected over XXXX in late fees. I am asking them to process my modification and take some of the late fees and default charges off the account, but I am not able to follow through on the process because of lost paper work and supervisors who do not return my phone calls. I do n't feel that it is fair for me to pay all the late fees when they are obscuring the modification process and dragging their feet in the process, losing documents. There is a significant amount complaints about PNC online regarding lost paper work, organization and neglect. It appears that they are in the business of collecting fees. And they have no urgency to see something through to help their clients. | ||||||
| 04/21/2023 | Yes |
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| My XXXX XXXX account was compromised. The person that gained illegal access to my account purchased several games using the stored debit card information on the XXXX XXXX account. The four fraudulent transactions are listed below along with the dates they were posted to my bank account : XX/XX/2023 : {$74.00} XX/XX/2023 : {$29.00} XX/XX/2023 : {$74.00} XX/XX/2023 : {$63.00} I reached out to XXXX to have the charges refunded and to recover my account. I was able to recover my account, and was refunded for 3 out of the 4 transactions. However, XXXX refused to refund the 4th transaction, {$74.00}, claiming " Company policy does not allow refunds on games that were already downloaded ''. Since the person who fraudulently used my debit card had already downloaded the game, XXXX refused to refund me. I filed a dispute with my bank, PNC, and waited to hear back. An agent with PNC informed me that the dispute was denied. I asked for the reason and was told " You were already refunded by the vendor. '' This is not true. PNC is likely confused as to the total number of fraudulent transactions. I only disputed one transaction with PNC, {$74.00}, as the other XXXX transactions were already refunded by the vendor, XXXX XXXX. To summarize : 4 fraudulent transactions were made using my stored debit card information on my XXXX XXXX account. The vendor, XXXX XXXX, refunded 3 of the 4 transactions, but refused to refund the 4th. I filed a dispute with my bank, PNC, for the 4th transaction, but was denied. The disputed amount is {$74.00}. | ||||||
| 12/28/2022 | Yes |
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| My mortgage was recently transferred from XXXX XXXX to PNC Bank. My property is in a flood zone and requires flood insurance as outlined in my mortgage agreement. PNC Bank failed to send the renewal fee for my insurance, causing the cancellation of the policy. The fee was due XX/XX/XXXX and the check from PNC Bank was received by the insurance agency on XX/XX/XXXX. PNC Bank never reached out to me to alert me of the insurance cancellation or let me know I was no longer covered, instead they put their own policy in place without my consent, which is double the cost of my previous policy and sent me a letter with this information on XX/XX/XXXX. They also increased my XXXX escrow payments to cover this increased flood insurance cost that I never approved. My insurance agency reached out to me to let me know what had happened and created a new policy for me that started XX/XX/XXXX. I called PNC Bank to let them know that XXXX. They defaulted on the agreed terms of my mortgage agreement XXXX. They attempted to defraud me by intentionally allowing my preferred policy to lapse and then requiring me to adopt their in house policy that was double the cost and XXXX. Never contacting me to admit their failure or obtain my consent to change the agreement. The bank refuses to take any responsibility and also refuses to remove the charges I incurred between the first policy being cancelled and the policy being reinstated ( XX/XX/XXXX to XX/XX/XXXX ), even though they never contact me by phone or mail to address the problem they caused. | ||||||
| 02/21/2020 | Yes |
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| I received my annual escrow shortage statement and called to discuss why they only allow me to pay a portion of the shortage and not all of it to keep my monthly payments level. The only reason I was given is that it was a RESPA requirement that they had to spread a portion out to each monthly payment. I explained that I have the money now to take care of the difference and that continually increasing my monthly mortgage payment causes a financial hardship throughout the year. The options they gave me were to refer me to collections to adjust my monthly payment. I don't want to adjust my monthly payment and extend the loan I want to pay the entire difference in one lump sum and keep my payments the same. I have reviewed Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) and I see that if the shortage is less than a monthly escrow payment I should have the option to pay it all at one time. My concern is the shortage is anticipated/estimated so they have no way of really knowing at this point that it is over the monthly escrow payment. I realize the law is there to help protect the person paying the mortgage but in cases like mine it can create a hardship and there should be an option to pay it in one lump sum. I have no way to contest that their anticipated amount is correct or not and therefore, request that you help me with PNC Bank 's estimate and find a way to stop them from continually raising my monthly payments when I have the means to keep them level by paying the shortage as one lump sum. | ||||||
| 04/26/2023 | Yes |
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| This in response to a previous dispute response from PNC. I spoke with XXXX XXXX, XXXX XXXX Relations. PNC XXXX XXXX XXXX. For starters, she specified per their policy starting in XXXX, states that they dont report to credit bureaus if a bankruptcy is on file. She also stated not all their calls are recorded but their reps specify when you call that all their calls are recorded when you talk to PNC reps on the phone. Per my rights, and to recap ; PNC was reporting on my credit until XX/XX/XXXX. PNC appeared on my credit starting XX/XX/XXXX when they bought out BBVA. Under my rights, I still was not notified that PNC would stop reporting to the credit bureaus due to my bankruptcy. I never received a disclosure for this policy and due to the error on PNCs end and lack of documentation provided to me, this hindered my credit score. I was told via phone call from the credit bureau representative from your credit bureau investigation department that all they would need was the reaffirmation letter to start reporting back to my credit. I demand this phone call be reviewed and acknowledged as I was told all calls are recorded anytime I call PNC. I demand that call to be reviewed because I was provided this information from these reps. Overall, I was never informed that PNC was not going to continue reporting and caused my credit score to take a hit which resulted in a hardship for my livelihood. I need know where and when this disclosure was provided to me that PNC would not report to the credit bureaus because of the bankruptcy. | ||||||
| 08/28/2020 | Yes |
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| PNC credit card, During the Covid-19 crisis I was forced closed by my state ( KY ), I am a XXXX XXXX XXXX I was forced to close fromXX/XX/2020PNC said they were extending COVID Relief I called in and took advantage of the relief immediately once I became without income. Bc of an error in my states system ( Ky ) I did not get unemployment check until XXXX so I was literally with out income for nearly 3 months. Ive had this card for 15 years and have always paid everything on time. Obviously this pandemic had everyone in a place theyve never been. Discovering recently that in my credit report it shows non payments during this time although I called to notify them I was without income. Ive had credit for the better part of 15-20 years and have always paid and taken care of my obligations and the one time I need a helping hand from a Bank that I have paid multiple loans off with I get no such helping hand and they are trying to hide behind some kind of technicality, like gotcha. Its disgraceful and unbecoming of a business relationship. Im XXXX years old and have a wife and XXXX kids. We are a single income house. My wife stays at home with our kids. We own a XXXX XXXX and take responsibility of my finical obligations, obviously Covid put us all in a very untenable position and I think these financial institutions should be able to hide behind red tape especially when people reach out to them to let them know what was going on and hat I was without income. Bc of all of this, I cant get a mortgage to buy a home for my family. | ||||||
| 02/10/2022 | Yes |
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| I opened a business checking account on XX/XX/XXXX, with the understanding that {$500.00} deposit will avoid any/all service fees. It has come to my attention on XX/XX/XXXX, at the XXXX branch office while I was depositing a check that {$200.00} was deducted from my account for service fees. I requested/asked the teller ( XXXX ) that I want the {$200.00}, posted/returned into my account was told by her that I needed to go back to branch where I opened my account and request the refund there. I told her that made no sense especially if my account was opened outside the XXXX metro area. Notwithstanding, I called to find out that XXXX XXXX, XXXX Branch Manager, XXXX XXXX @ XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, no longer worked there, so I asked to speak to the branch manager, was told XXXX XXXX was unavailable that she would call me back [ not ] I called back same day again ( XXXX ) this time she got on the phone. I explained after repeating myself several times for ( XXXX XXXX seconds ) at XXXX EST. She replied that she would get back to with a partial refund I told that would be unacceptable either refund total amount or I would file Complaints and close my account. I find out on ( XX/XX/XXXX ) instead it was {$150.00}, not {$200.00} in service fees while I withdrawing funds of the deposited check on ( XX/XX/XXXX ). She called me back Monday ( XX/XX/XXXX ) at XXXX EST ( XXXX XXXX seconds ) with no full refund. So this is how you extort money from accounts this is what the Authorities need to be aware of!!!! | ||||||
| 07/26/2021 | Yes |
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| On XX/XX/XXXX and XXXX, I hosted a basketball tournament in which teams make payments to participate. I established a checking account with BBVA. I was sure that I set up a XXXX account. During months leading up to the event, teams registered using XXXX XXXX as the payment processor ( XXXX XXXX ). A part of establishing the account with XXXX XXXX was verification of my XXXX that included me sending in required documentation ( IRS letter including Tax ID #, my personal information, etc. ) The monies collected were deposited into the BBVA account. After the event, I attempted to wire funds to pay for the referees. My account was frozen due to Fraud. I contacted the Fraud and Legal department of BBVA and was advised I needed to send in an IRS letter to connect me with the XXXX account because the account that I had with them was a personal account. The agent requested an IRS letter. On XX/XX/XXXX, I emailed the IRS letter to BBVA. I have called and left messages with the agent handling my account at XXXX. Today, XX/XX/XXXX, I spoke with an agent that advised that there was only {$96.00} in my account out of the XXXX that was previously collected. I have not heard from anyone at BBVA to advise as to why the monies were sent back or that they would be sent back. I still have outstanding creditors that need to be paid. This is creating undue stress as I do not know where XXXX dollars has gone. I am a XXXX XXXX XXXX XXXX and this was my second event. My credibility as an XXXX XXXX is being questioned amongst other things. | ||||||
| 02/02/2021 | Yes |
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| PNC Mortgage does not have an online function to paydown mortgage principal. When I called customer service today, I was told that I could mail in the principal either by mail, use the phone, or access its branches. First, my concern with this is that this is the only reputable bank that claiming it does not have a system capability to let consumers to paydown principals only online. I understand that mail-in is possible, but the days during the mail transactions will add interest to my principal, and nowadays not many people even have bank checks disposable for transactions. Second, PNC 's phone payment requires XXXX per transaction and I was told that I could use the automated process. I tried this morning, it is difficult to use as I have to have routine numbers and account numbers in hand and if I mistakenly push a wrong number, it goes back to the original menu, and the process repeats. It appears to me that it is a function for customers who need to make payments immediately to avoid hurting their credit scores. Third, I live in NY. PNC is not available around my area. I only know that there are two in XXXX and we are currently a middle of the lockdown. Finally, I did not choose PNC to be my loan serving bank. It happened that my mortgage was sold to it so I have to use it. In my opinion, PNC Mortgage is trying very hard to discourage its customer from paying down mortgages. It is unethical. Unfornuately for me is that if I really want to switch my loan serving bank, I have to refinance my mortgage, which is costly. | ||||||
| 02/06/2020 | Yes |
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| On XX/XX/XXXX, I received a call from this number : XXXX They were pretending to want to verify my information for my XXXX account and said my bank would contact me to verify. I then got contact by what I thought was PNC from this number : XXXX. Immediately I saw 3 charges taken out of my checking PNC account from XXXX XXXX on XXXX. The charges were for {$40.00}, {$470.00}, {$480.00}. I called PNC bank within a minute. Filed a report and was told I was 100 % covered. I asked what next step I should take and the person said wait for us to contact you. No contact from PNC so on XX/XX/XXXX I called again. The lady I spoke to could tell a fraud alert was put on my account but said no report was ever filed for those charges. I filed another report, and was again told I would be 100 % covered. I was told in 10 business days I would recieve a credit for those amounts but asked if that could be expedited because I had actually filed the report on XX/XX/XXXX. The lady agreed and said I would receive a credit within 3 days. Then I received a call from XXXX XXXX from Pnc on that 3rd day saying that it would be 10 days from XX/XX/XXXX to process the report. I now have recieved a call today saying that I am responsible for all the charges take from my account and will not be getting any credits, after being told over 3 times I was 100 % covered. It is now 15 days from the original event. My original report was never filed and I filed it before the charges even processed from my account so PNC neglected to handle this accordingly. | ||||||
| 09/13/2017 | Yes |
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| I have been trying to get a mortgage modification for several months and keep getting my modification packet sent back to refile a new one for amazing inept reasons here is a time line for the last 3 XX/XX/XXXX Full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX Additional supporting documentation emailed to PNC 's attorneys as requested XX/XX/XXXX Letter of Explanation regarding tax returns emailed to PNC 's attorneys as requested XX/XX/XXXX Updated documentation as requested emailed to PNC 's attorneys XX/XX/XXXX Advised of removal from PNC Loss Mitigation Program due to requested documentation not received ; however, the materials scanned and emailed on XX/XX/XXXX were exactly as requested and sent in the time frame requested. XX/XX/XXXX Advised that a complete new application package must be submitted before PNC would continue the review. XX/XX/XXXX Another full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX As requested, faxed 3 months of XXXX XXXX statements with page 4 of 4 unmarked and blank as received to prove that the statements were complete. XX/XX/XXXX As requested, we again faxed the XXXX XXXX statements ; PNC will not accept the fact that the 4th page is blank. XX/XX/XXXX With continued commentary about the XXXX XXXX statements from PNC, we mailed the original statements to PNC Bank Loss Mitigation to prove that page 4 of 4 is blank. the sheriff sale for my home is XX/XX/XXXX 13 days from now please help me save my home ... regards XXXX and XXXX XXXX | ||||||
| 04/16/2020 | Yes |
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| My husband is in XXXX but has money in his account from work release. He makes my credit card payment of XXXX every month to PNC. The check is sent from a government account on the first Thursday of every month. I have consistently had problems from the very beginning. At first they would send the payment back so it took months sometimes to make one payment. Lately they are holding the check 3 days before applying it to my account. This month its been 2 weeks since the payment was sent and they cant seem to tell me anything. Their systems are not set up to be able to tell me if they receive the payment until it posts, which could be 3 days or more later. I know that payment is there. It has never taken two weeks to apply it to my account and this month is not the time to be holding my money. Now, if they get it posted tomorrow I wont have access until Monday because they dont credit a credit card account over the weekend. Im not sure why they are holding the checks to begin with. Then claim on the bill they deposited the check several days prior to giving me access to it. Something is not right with their business practices with payments that are mailed in. If I made an online payment today, it would be applied to my account tomorrow. I said this to them last month and they told me I was wrong, but Ive made quite a few online payments on top of what my husband pays. If I was not stuck with my husband sending money to this account I would shut it down, because it is so disorganized or unethical, Ive not determined which. | ||||||
| 02/10/2020 | Yes |
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| I have 5 mortgages with PNC Bank since XX/XX/XXXX, in XX/XX/XXXX I refinanced all 5 loans. I originally had impounds for property tax and insurance but had the insurance portion removed due to errors caused by PNC paying 2 insurance companies and not discovering any problem until I reviewed my impounds almost a year later. In XX/XX/XXXX my impound account for property tax was seriously delinquent due to two factors. 1.PNC pays property tax in XX/XX/XXXX or XX/XX/XXXX even though property tax is not due until XX/XX/XXXX making the impounds 2 or 3 months short on funds for that year. 2. PNC Bank was collecting taxes at a XX/XX/XXXX property tax rate which was 40 % below XX/XX/XXXX rates, my impounds went up about {$110.00} per month per house to cover the arrears. I ask the bank to review the account in XX/XX/XXXX when the preliminary property taxes are released they informed me that they only do impound evaluation in XX/XX/XXXX every year which would be at the prior years amount. This is an irrelevant amount and does not reflect what is due in the present year. Due only to the banks incompetence again I have asked to completely close all 5 of my impound account so I could handle them correctly, they have agreed. They have billed me {$190.00} per account for a total of {$970.00} I refused to pay this fee. I would not entertain closing the impounds if they were done correctly.The loan is 13 years old.I know that the only reason I am requesting removing the impounds is due to total incompetence. I refuse to pay any fees. | ||||||
| 10/24/2016 | Yes |
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| I had my purse stolen a month ago. After immediately calling police, we called PNC bank to report the theft. They froze the account and alerts were placed on it. We went in the next business day to open a new account. Later that week a teller from another branch disregarded the alerts that were still on our account and handed the thief with my ID {$1800.00}. They opened up a new account for us again, but now are holding all of our money because of their " investigation ''. Meanwhile, the teller that screwed up is getting paid for her work and we ca n't cash checks, ca n't deposit and have access to it, and checks already put out there by us are bouncing, making it impossible to live, pay bills, buy groceries for our kids. I 've been a loyal PNC customer for almost 10 years and they have kept saying there 's nothing they can do. Even though THEY screwed up and I had alerts in place. I did everything I was supposed to do and we were told we 'd be taken care of. THIS is not being taken care of as valued customers. THIS is like we are the criminals. They never even had the courtesy to notify us that this may happen or to give us a solution or option in order to continue paying bills and buying needs for our family. We have credit scores in the XXXX, own our own home for 10 years and my husband is a XXXX and I am a XXXX of XXXX little kids and also a XXXX. I wrote a XXXX page document on all the details surrounding this including our police report and the conversations we 've had with bank employees. We need help. Thank you. | ||||||
| 02/26/2020 | Yes |
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| I expected my MIP/PMI insurance to be dropped automatically once my principle balance was below 80 % of my original appraised value. However, I noticed this did not happen, so I called PNC in XX/XX/2020 to inquire about it. The representative told me that it was based on the original amortization table and the date it reached 80 %, if I had made additional principle payments they are not taken into consideration unless I call and request the insurance be discontinued. He looked at my loan to original appraisal value and it was at 67 % and said that he would take care of my request. In XXXX, I logged into my account and saw the payment had again been made. I called and the only way to drop the insurance is for my to go to the trouble and expense of having yet another appraisal less than 5 years from the original appraisal to prove my home value is not only the same but has risen 24 %. My monthly payment is auto-drafted from my checking account and has never been late. I have also paid an additional XXXX in principle. I have an incredible credit history, and this is just taking money out the pocket of a hardworking American. Additionally, the principle payments I have made have been misapplied as payments to interest every time, even though I followed the instructions given by PNC to the letter. They do not have an option to make a principle only payment online, but a check has to be mailed in with apply to principle on the memo line. It is then my responsibility to login and see that the payment was correctly applied. | ||||||
| 01/14/2016 | Yes |
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| On XXXX XXXX, 2015 at XXXX I visited the PNC Bank in XXXX XXXX Georgia. I decided to make a deposit of approximately XXXX in cash in XXXX XXXX through XXXX. Since it was mostly XXXX it was a substantial sized stick of money. I put about a quarter inch of bills into the machine twice. After the XXXX time the machine flashed, you have decposited XXXX ( I do n't remember the odd amount ) would you like to continue. I pressed the button indicating that I would like to do so and attempted to deposit the XXXX part of the funds. When I did so the machine rejected it as it was returned to me. And then it gave me the receipt attached. I promptly went inside to report the rather mistake and to find out if the amount was deposited on my account. The gentleman said he would have to " file a dispute. '' and that is could take as many as 10 days to have the issue resolved. First of all it is not a despite when mortgage and tuition money is being held and a simple balancing of the machine can rectify the issue. Secondly I should not have to potentially wait and be penalized due to an error on the behalf of the bank and its machine. There is absolutely NOTHING on the machine indicating that I am depositing funds at my own risk. If I or ANY CONSUMER knew that when depositing cash in a machine if there is an error there is a CHANCE YOU CAN LOSE YOU MONEY DUE TO A DISPUTE I think fewer people would make such a decision. I need this issue resolved IMMIDATELY as I have bills to pay and it has put me and my family in financial duress. | ||||||
| 08/15/2023 | Yes |
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| On XX/XX/2023, I arranged a recurring payment to XXXX XXXX for our car payment through PNC Online Bill Pay in the amount of {$710.00}. XXXX never received the payment so I notified PNC in early XXXX and they sent a letter to XXXX outlining the ACH payment info. XXXX could not locate the payment. This was later converted to an XXXX dispute on XXXX XXXX which PNC closed on XX/XX/2023 because they couldnt reach XXXX. I asked for it to be reopened and we then received a denial of our dispute on XX/XX/2023 stating no error had occurred. Upon discussing additionally with XXXX, they informed me the payment was sent to an unrelated bank ( XXXX XXXX Bank ) per the payee routing number on the original payment detail letter. This was passed on to PNC and they have since denied our XXXX dispute twice ( XX/XX/2023 and XX/XX/2023 ) indicating too much time had passed since they initially denied the claim. At no point had I ceased communication or not provided them with additional info to help locate our missing payment, but to date they have not even attempted to contact XXXX XXXX XXXX when it was 100 % their fault for arranging payment to the wrong institution. It has been four months we have been without our money. Our first payment was late so we had to make a second payment to make up for the missing payment. We have been customers of PNC for many years and have never had a problem with Bill Pay. Its unfortunate this is how they treat their customers when an issue arises, much less when the issue is caused by their negligence. | ||||||
| 07/19/2023 | Yes |
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| On Thursday XX/XX/XXXX I went with the Buyer of my XXXX XXXX XXXX to the PNC Bank Branch ; XXXX XXXX XXXX XXXX, XXXX, MN XXXX. The buyer of my car provided a Cashiers Check made payable to PNC Bank as instructed by PNC Bank. The branch Manager set up there ATM Teller and proceeded to take the cashiers check and applied it to my loan ending XXXX. The amount due for the payoff was {$8200.00} the check was for {$18000.00}. I was assured by the Branch Manager and the Teller the remaining balance of {$10000.00} would be mailed to my address on file as soon as the check was confirmed and the loan was paid off. On XX/XX/XXXX my account showed the loan was paid in full. The cashiers check that passed through the Federal Reserve was confirmed on XX/XX/XXXX. I should have received the overage check by XX/XX/XXXX, no later. It is now XX/XX/XXXX. Both my Father and I have contacted PNC Bank numerous times to resolve this issue. They are telling us there is nothing they can do as the Loan is now paid off. I need your help they have stolen {$10000.00} from me. This is causing me irreparable harm as I am short funds that I needed from this transaction. I have contact an attorney which stated that Federal regulations require banks to make funds deposited in an account by cashier 's, certified, or teller 's checks available for withdrawal not later than the business day after the banking day on which the deposit takes place. He is willing to take on my case but it may cost me more than {$1000.00}. Can you please help me with PNC Bank? | ||||||
| 11/17/2021 | Yes |
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| In XXXX I opened a checking account at PNC Bank. I added another person to my account in XXXX of XXXX. The proper papers were signed, scanned and are on file with PNC Bank. In XXXX I inquired about how to add my son to the account, but I was told that the other person on the account would have to be present to sign papers. At that point, I decided not to add my son to my account. In XXXX of XXXX, he was added to my account with no authorization.. In XX/XX/XXXX, my bank account was levied by a collection agency trying to collect a debt owed by my son. On XX/XX/XXXX my son attended online court with proof that none of the money in the account was his. He showed my paystubs with matching deposits. The judge ruled in his favor and the levy was lifted. In XX/XX/XXXX, my account was levied again by the same collection agency. I didn't get the necessary paperwork to the court on time, so on XX/XX/XXXX, my money was taken from my account ( {$750.00} ). Since my son is on my account without any authorization, and none of the money taken from my account was his, I would like PNC to refund my money and remove my son from my account. Attached PDF includes : Page 1 - copy of my federal tax return Page 2 - copy of my state tax return Page 4 - copy of my bank statement showing deposits of tax returns and first stimulus check Page 5 - bank statement showing deposit of my second stimulus check. Page 6-8 - bank statements showing no further deposits Page 9 - bank statement showing {$750.00} taken from my account on XX/XX/XXXX | ||||||
| 02/21/2020 | Yes |
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| I tried to make a balance transfer from XXXX XXXX XXXX to pnc there was promotion and i did it over internet. After over a week i see that my balance is still the same at the XXXX XXXX XXXX bank and pnc balance is already higher because of the transfer. So i called the PNC bank and asked them how come money is not at the XXXX XXXX XXXX yet, I was told that it can take up to 10 business days and check is still on the way. After 10 business days my XXXX XXXX XXXX is almost due and I don't want to pay interest on it so i call again PNC bank they looked into it again, and told me that they sent to the wrong address. I was told that they will put a stop on the check and send new check to correct address, now is 9 business days from posting to my account but i called more than 10 business days to record the problem with the bank, PNC bank holding balance of money that i never received, XXXX XXXX XXXX i already paid off because PNC bank couldn't make a payment in time. Now is over 1 month later they charged me fee of 3 % I never received the money I just checked with XXXX XXXX XXXX, I also called the PNC bank I was told that check was processed already, I have no money in my account and on statement at PNC bank according to them, transfer was made. Now they try to say that it can take up to 26 business days, I was told if i try to close the account I still need to pay fee of 3 %, Which i never received at the first place. what is the best solution. I just want my money back and never have to have account with PNC bank. | ||||||
| 02/09/2019 | Yes |
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| On XX/XX/2019 I made what I thought would be a simple request to PNC to get a copy of my HELOC statement. Since I had a XXXX balance, I hadn't received a statement in several months and I needed one for a new mortgage application. No one - at the customer service line or at the local branch - was able to give me a statement, even through the online portal. They did say that they would order one to be sent to me by mail in 5 business days. It never arrived. I was able to get the mortgage application started with my account number, but the bank is now, naturally, requesting a statement on that HELOC that includes our home address. It is now XX/XX/XXXX and the paper statement that was ordered never arrived. I called to find out how to get a copy of the promised statement urgently because we are closing on the new property on XX/XX/XXXX and the bank needs that document. I was told by the customer service line that that request was cancelled because there was a XXXX balance. I was never informed that this request was cancelled. I am also unable to access information about my HELOC payment or obtain a current statement on that loan on the secure website. However, I can get this information easily from other banks with which I have mortgages. The issue has been escalated internally at PNC and they claim they are working to produce a current statement and have it emailed to me in time, but their inability to resolve this simple request and failure to communicate with me when they decided to cancel is completely unacceptable. | ||||||
| 07/14/2017 | Yes |
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| I purchased a used vehicle from XXXX XXXX, XXXX, FL, not only did they add some XXXX XXXX 's to my car loan without my knowledge and consent, they actually added more misery by putting on tires that were not even safe even though they sold me a {$400.00} tire policy, then the {$1500.00} car maintenance plan added to my PNC Bank loan they are failing to repair the recall on my airbags on my XXXX XXXX XXXX VIN # XXXX. Now a law has been passed in the State of Florida making sure dealers have money to repair used vehicles regarding this safety recall XXXX XXXX Occupant Restraint Controller. I have had no luck with XXXX Dealerships also, stating the part is not available. So then I called my PNC Bank to see if they can freeze my loan ( I pay XXXX per month car payment ) so they can impound the vehicle, have it in their possession until a repair can be made. Recently I was rear-ended and the first thing the collision body shop asked me is " did the air bag light go on ''. I have found a piece of bent metal before this accident and had no idea where it came from, it may have XXXX XXXX XXXX XXXX XXXX, but really threw it out not really knowing what it was. I do not feel safe driving in this vehicle or having my XXXX in this car. I live in the high humity area that they say is crucial to first be fixed. PNC Bank recommended I trade the vehicle in, and I know I will never get a decent value due to this recall, but I am worried I wo n't even be able to get rid of this car or have it fixed and want some help with this issue. | ||||||
| 10/20/2016 | Yes |
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| I worked with a banker at PNC bank and signed up for a student checking account which would not have monthly charges for any reason. After creating the account, the banker assured me that the monthly fee that was listed in the paperwork would not be deducted because I was a student, and the student account would not have the monthly fee. For the first five months, no fee was applied. In the sixth month, a {$25.00} fee was charged. I had been assured that the fees would not apply to this student account, so I expected the fee to be reimbursed, and that I should not be concerned. The bank continued to charge this fee for 14 months without reimbursement. Upon recent realization that the fee was not only being charged, but was not being reimbursed, I went to the bank to have this corrected. The banker informed me that the account I had been assigned was not the student version, but the most expensive, " performance '' option, and admitted that the account was incorrectly assigned. They then informed me that the two most recent monthly fees were in the system and could be reimbursed, but that previous fees were out of their control, as they were no longer in their system " for my protection ''. Once I talked to the banker, supervisor, and bank manager, I was told my only recourse was " escalating '' to customer service. Customer service provided the same information, and did not offer any solutions to this problem, as well as implying that I was at fault for the situation, despite the banker 's previous admission of fault. | ||||||
| 09/23/2020 | Yes |
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| Hello, On XX/XX/2020 I made a purchase from the company XXXX XXXX XXXX in the amount of {$1100.00} for a swimming pool and a swimming pool liner. On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX XXXX saying my order for the pool was cancelled and I would be receiving a refund. It was not in stock due to COVID-19. I did receive one piece of my order so the refund would be {$1000.00} for the swimming pool. Some time passed and XXXX XXXX XXXX wasn't able to tell me when I would receive the refund. They stated their refund department was backed up and they didn't know when they would get to it. Due to the uncertainty, I filed a dispute with my bank to assist in getting the refund. I did this on XX/XX/2020. On XX/XX/XXXX and XX/XX/XXXX, I faxed a questionnaire to PNC Bank as they had requested. I included the questionnaire, a receipt of purchase, and the email from XXXX XXXX saying my order was cancelled. I did not hear from PNC Bank until the beginning of XXXX when I received a letter saying they denied the dispute. I called to ask why the dispute was denied, and they stated that they didn't receive the paperwork. I have the fax receipts showing they were delivered. On XX/XX/2020 I called PNC Bank to dispute the transaction again as they have taken the money back from my account. Since then, I have not been able to get any information concerning my dispute. When I call to check on it the only response I get is it is in process. At this point I have not received any paperwork or followup from PNC Bank. | ||||||
| 09/07/2020 | Yes |
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| Due to the Covid pandemic, PNC and other banks were offering a 90 day forbearance, with the possibility to extend up to 180 days. On XX/XX/XXXX, due to the fact I was not working, and collecting unemployment, I applied for the 3 month forbearance. The girl I spoke to on the phone told me to fill out the online application, which I did. They were supposed to send you a confirmation in the mail which I never received. I called to see what was going on with my application on XX/XX/XXXX, and spoke to XXXX XXXX, and he said he was reapplying for me, and going to route it to the people that will take care of it, and to call back to make sure. When I called back, I spoke to XXXX who told me it was still processing, and she will put in for 2 more months for me. That would be 5 months up until XXXX, and I told her that would be good because I may be going back to work in XXXX. It was very clear on that phone conversation that's when it was for. I got late bills, and when I called the line of credit department, they submitted a complaint. The woman in the complaint department said it was only for 1 month in XXXX that I was offered, which is not true. It's even online for 90 days, and I'm sure 90 days was the law. When I asked to listen to my phone conversations, she said I couldn't. Now I am 2 months late, with another payment due this month, and I still am out of work. I do not understand why they keep telling me it was for 1 month, when I applied for 3 in the very beginning. I was told that on the very first day I applied. | ||||||
| 12/12/2016 | Yes |
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| I opened a PNC bank visa card in XXXX with a promotional rate of 0 % interest on purchases for the first 9 months. However, PNC bank has been charging me interest since my XXXX statement, the first actual statement with charges. I have contacted them numerous times and PNC bank refuses to provide an explanation. I have disputed the balance with XXXX and XXXX, being very clear that the balance was PNC bank was reporting ( adding interest ) was wrong. However PNC bank replied to the credit bureaus that the amount they were reporting was accurate. There is no way in this universe that PNC Bank has not recklessly violated federal laws and breached the contract they drafted with me. This reckless and unscrupulous behavior has n't stop there. I had unauthorized transactions on this same Visa card, I reported them via phone and through there own secure message center on XXXX/XXXX/2016 however PNC refuses to at least temporarily remove those charges until completion of their investigation. Additionally, PNC bank reported the balance to the credit bureau by including the disputed transactions. I truly do not believe this to be an isolated incident. My daughter has filed complaints against PNC bank, who actually attempted to steal {$360.00} out of her checking account and would have if she did n't question the debit weeks later. PNC admitted an error but refused to explain further. Interesting, what would happen to me or any citizen if we went into PNC bank and took {$360.00} without permission. Jail prison, huge fines .... | ||||||
| 12/06/2021 | Yes |
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| I received an invoice on BBVA credit card account in XXXX for {$32.00} with due date of XXXX XXXX, 2021. I sent a check through XXXX bank on XXXX for {$32.00} to address on invoicing. Toward the end of XXXX, I received communication through email of lack of payment from PNC Bank. I called and was requested I submit proof that payment was made. I mailed them the required documents. I then received an invoice in XXXX for {$130.00}, which instigated an immediate phone call to PNC Bank. I was told that once the PNC Bank received payments I would receive credit for payments made on time. They instructed me to pay the difference of {$100.00}. This was subtracting the {$3200.00} payment made and inoppropriate interest charge of {$.00}. I sent the check from XXXX XXXX for {$100.00} to address on invoicing for PNC on XXXX. Again the account was paid in full prior to due date of XXXX. Then in XXXX, I received invoicing for {$100.00}. They charged another {$1.00} intereston amopunt already paid on time. I called and was informed they had received the payments of {$32.00} and {$100.00} but the interest they claimed was owed even though I paid prior to due dates. They claim receipt was late which I don't believe was accurate, I paid the {$2.00} interest on XXXX XXXX in protest and notated this on check. I did not want any further extortion of interest from these XXXX. I feel a crime has been commited and that this practice needs to be rectified even if a lawsuit is extremely more expensive than the {$2.00} they have extorted. | ||||||
| 03/22/2021 | Yes |
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| PNC Bank of Ohio bought my mortgage in XX/XX/XXXX from another bank and has agreed to the terms of my mortgage loan contract & has accepted my {$530.00} payment every month for over 5 years. And PNC Bank has not contacted me to change anything with the loan agreement of my original loan of XX/XX/XXXX. I also do have not had escrow on my loan & put a downpayment of {$20000.00} of my condo. I bought the property for {$95000.00} & took out a 15 year loan with a fixed rate of 3.25 % and I have paid my local city property taxes myself for over 8 years and none of the 6 banks who had my loan gave me questions on the loan. In XX/XX/XXXX PNC Bank sent me a letter saying they were considering adding escrow to the account. I contacted them by letter & phone with NO Reply & told them I dont agree. I read the terms of my loan contract and it says, PNC Bank cant change the loan agreement without my authorization via my signature. In XX/XX/XXXX ; PNC Bank forced escrow on my mortgage loan and increased my monthly payment. After made many phone calls & sent letters to them, they replied their bank could do that + sent me a copy of my original XXXX XX/XX/XXXX mortgage paperwork which I had and I informed them the loan contract states differently. They have been sending me form letters never answering my questions. I still pay the original monthly payment and I cant afford their new monthly amount of over {$300.00} more. I am still disputing this with PNC Bank 1 year later and they still accept my money & cash my check monthly. | ||||||
| 09/18/2019 | Yes |
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| On XX/XX/2019, I attempted to cash out {$32.00} from a XXXX XXXX account I had set up. After entering my PIN number I was prompted to identify my bank. I felt this was unusual so I started the process again. After several attempts I XXXX XXXX XXXX Customer Service and a XXXX XXXX number came up as a customer service number for XXXX XXXX. After speaking to the individual, we engaged in a series of questions involving the credential of my account. The individual indicated that he would have to access my phone to see what I was seeing. Once this took place and I entered my PIN a series of transactions begin to hit my PNC account and within two minutes I was receiving calls from PNC and my checking and savings account had a XXXX balance. I continued on the phone with this person for another 30 minutes as he assured me these were random test amounts. I walked to the closed PNC during this phone call which was located on the corner of XXXX and XXXX XXXX, XXXX. Washington DC. A bank customer service rep took the phone and immediately detected it was fraud and discontinued the call. She also noted my account of the call. A fraud report was issued with the bank. XXXX XXXX did not respond to any emails sent to the company by me and informed the bank that I did have a XXXX XXXX. Needless the say the bank informed me on XX/XX/2019 their investigation found the charges valid and debited my account {$1200.00}. This is the amount removed from my account. Their response was due to the fact XXXX XXXX confirmed I had an account. | ||||||
| 12/18/2020 | Yes |
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| On XX/XX/2020 I called in inquire about the interest that was going to start on my credit card. I had ask if they could extent my free interest and was told no that I had to start paying interest. I advice then that I have COVID 19 and trying to do the right thing to pay my bill they told me that they had a program that could lower my interest and that my payments would be lower for 6 months I told them I would call back had to discuss with my husband. On XXXX I called back to let them know I wanted to accept that offer and the rep at that time told me he didn't know what I was talking about. I advise him that I talked to a rep by the name of XXXX XXXX and the bank was offering to lower my interest and payment for 6 months. He said that there was no notes on the account and said he did not know anything about that. I asked for a supervisor to call me back. Got a call back from XXXX XXXX that left me a message. I called back XXXX to get this matter resolved talked to a XXXX explain to her that I wanted to get the interest lower to XXXX this woman was a very rude lady who transfer me a collection XXXX that was very rude and did not want to hear me put me on hold and transfer me to XXXX who she was not able to help me she transfer me to XXXX a supervisor this is not acceptable. XXXX said she was not able to help me I told her she had to help me. I asked her to waive my late fee she said NO I told her to put me in the program so finally she did. This is terrible I am sick and have been on this phone for over 1hr 1/2 | ||||||
| 04/04/2015 | Yes |
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| PNC Bank can not provide me my 2014 Tax Forms. " There is nobody in our call center that can help you. '' I have now talked with PNC Bank 3 times, where they state that they have submitted the request to change my address and send me my tax forms. As a result, my parents receive a " Password Change '' letter in the mail at their address, which has NOTHING to do with MY address or MY online information. When I talk with anybody from PNC Bank, they recite my OLD ADDRESS which I have changed 3 TIMES!!! Finally today I pushed to get on the phone with the manager 's manager, who put me in touch with the Retail Escalation team. This person was at least able to send me a form via email through a " loophole '' which shows my tax information, and has committed to calling me whenever she is able to get my address changed " in the system ''. Note that when I log into my account online, my address shows as updated, but somewhere in the tangled back-office systems of PNC Bank, my address will not update as expected. I have now also provided a hand-written note requesting my change of address, signed and dated as of today, for proof of my address change. What will be great is when my parents receive a change of address form sent to their home ... This is the most rediculous process I have ever been through, and I can not express how dissatisfied I am with PNC Bank. I will be doing everything in my power to get my auto-loan, Home Equity Line of Credit, and Checking Account CLOSED and moved to another bank as soon as possible. | ||||||
| 01/09/2018 | Yes |
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| My problem stems from a disputed I filed over season tickets with a local major sports franchise, And was never mailed the questionnaire to continue to dispute was never mailed documentation that the provisional credit was going to be reversed of {$250.00}, and once that happened and I didnt know about it cost me overdraft fees of {$140.00} Which I had to have escalated to another department to try and get back which they finally did, and I stock money in the bank to cover all pending transactions in the reversal of the provisional fee credit. I also re-file the dispute, and I wake up today tomorrow overdraft fees from things that just showed on my end that I had covered, and a woman in the escalations department by the name of XXXX XXXX was only concerned with trying to sell me more products. I went to the local branch and talk to XXXX XXXX, And explain the situation and what is going on over the last couple days and that I have thousands in another account, which I made a point out dont you think if I knew I didnt have enough money in there I have the funds to cover it like this is XXXX that this keeps happening. Can you agreed however he tried to give me the feedback in the system would not let him in restricted him from giving me the feedback I am now refusing to put any more funds in this account because this is XXXX everybody I call nobody seems to care Im gon na try one more time to get this resolved if this doesnt get resolved I am leaving PNC for good and I been banking there for over five years | ||||||
| 07/13/2023 | Yes |
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Web | Servicemember |
| As of XX/XX/2023, our account was frozen for review for some of our transactions. However, there was no disclosure of notification that our account was under review and how long there investigation would take. I have cited the compliance violations that are being done against us. We have been subject to unsatisfactory treatment by PNC since opening our account. Here are the following issues and potential compliance violations : We were enrolled in PNC 's XXXX service for wires/ACH. I was able to log in once and have been froze out and no way to re-instate my log in. Customer service has not been able to help and the third party service does not respond to the e-mails when providing the information as requested. We have not been able to use XXXX except for once from the start. We have sent multiple wires in which I have to go into the branch in which you should have evidence of this with your branches. With this being said, XXXX has to pay a service fee of {$95.00} which has cost us an estimated {$1000.00}, so far. Issue still unresolved Our account has been frozen without any formal communication or disclosure that it was being frozen, we have automatic payment withdrawals that come out of the account monthly in which we will go delinquent and cause us credit bureau adverse actions to our credit ( our personal guarantor/XXXX ) XXXX This is unacceptable and needs to be reported to the CFPB for non-compliance to UDAAP and FCRA regulation requirements needing to be adhered to by PNC as a financial institution. | ||||||
| 10/04/2022 | Yes |
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| My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC sent a letter stating they researched it and the somehow determined that the transfers were done from his phone and inferred he made them. These transfers were done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Transferring money 3x until there was no more money to transfer. This is clearly a pattern of fraud. My son was asleep at those times and I had to wake him up to ask why I was getting a low balance alert on my phone for his account. I asked for this to get escalated or researched further and PNC has gone silent. If this were my credit card, this kind of suspicious activity would have been flagged and my account would have been locked. They clearly don't have good fraud protocols in place on top of not protecting their customers when fraud occurs. | ||||||
| 12/16/2018 | Yes |
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| Back in XXXX I applied for and was approved for a Virtual Wallet With Performance Select account. Overall I've been quite satisfied with this account ; however, after several months, the requirements to keep the account fee free became burdensome so I elected to change my account from a Virtual Wallet With Performance Select account to a Virtual Wallet account. This new account only required " {$500.00} or more average monthly balance in Spend + Reserve '' accounts to keep the account fee free. In order to make this product change, I clearly remember going to the " preferences '' tab of my account and sliding the balance slider to compare the benefits of a different edition to my current edition. I went ahead and clicked the " Change Edition '' button in order to change my account to Virtual Wallet. The request went through, and I assumed I would have no problems as long as I kept a minimum of {$500.00} of the account. At that time my account balance was {$520.00}. Fast forward to today, I just reviewed my account and I see that I have been charged {$25.00} account maintenance fees for both of the past two months. I asked customer service about this, who very flatly said that there was no record of my account change taking place and that all they could do was change the account type ( which I had already done online myself several months ago ). While it appears as if the account change is now confirmed, I am still out the {$50.00} in fees for a mistake that appears related to PNC 's information technology. | ||||||
| 03/14/2023 | Yes |
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| Calls made last month to a customer agent XXXX. Three calls made this month to other agents. One in person to a branch in XXXX XXXX. Subject : Disputing a late fee of XXXX XXXX dollars when expected time of refunds were not posted to the account to balance off the payment due on the XXXX. Calling the bank last month for the same issue informed me that before I can dispute a late from posting it needs to be posted before I can dispute the late fee for refunds of returned products. Since the products were not refunded on time when payment was due to the credit card company caused uninformed lock out from my account and charged the late fee to their advantage. They did not inform me of withholding the fee and out of discretion held refunds against my account to charge a late fee. In question to reverse the late fee I spoke with a supervisor that will not remove the late fee and had explained the circumstances of returns being refunded late and will post by the end of this week. He told me only one reversed late fee applies to the account once a year, so why was I not informed by the last representative advising me that I would only need to call in if returns were not posted on time and when the late fee was charged, why she did not explain that one reversed late fee was already used .Calling in today was informed that they closed up the account without my knowledge. This is disrespectful, and have displayed arrogance and rudeness towards my family and I in the past as an account holder for the past twelve years. | ||||||
| 11/04/2016 | Yes |
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Web | Older American |
| This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from XXXX Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using XXXX XXXX XXXX for {$13.00} ) 3. PNC Bank Statement-XXXX ( showing amount of {$13.00} ) | ||||||
| 02/19/2020 | Yes |
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| I opened my IRA in PNC in XXXX ( no minimum required and no fee ). In XXXX and XXXX, there were no fees charged. In XXXX, I left PA for training but still got my mail and all notifications. I just got back from training and recieved my XXXX statement a few weeks ago. I noticed a {$25.00} fee. I looked back at my other statements and through every single piece of mail. {$25.00} was charged for {$2000.00} also ; there was no reason given nor notification sent. The {$25.00} was more than I earned in interest! I called PNC on the XXXX and they claimed it is a custodial fee they " recently started '' and issued because I had less than {$2000.00} in the IRA. I informed them I have many IRAs and have never been charged a fee 'all of a sudden ' and I was never informed upon opening the account to have a certain amount in. That and for 2 years, I was never charged .... They said " as a one time courtesy, we will give you {$25.00} back '' .... I want the {$50.00} back and the ability to either put the money in to not get charged again or just transfer it out to another IRA. They said they'll have to charge for the transfer ... .. Four weeks have gone by now and PNC is still not able to admit their mistake upon charging me and will not put the remaining {$25.00} back into my account. It is absurd to have to pay PNC for holding my retirement money for me and 1. not make any money for it 2. not be able to have this quickly rectified so I can do my part and put money in until its due and take it out w/out yet another fee. | ||||||
| 10/19/2018 | Yes |
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| A reaffirmation agreement was made with PNC Bank in XX/XX/XXXX on my home equity line of credit. The line was closed at that time, but payments have been made faithfully and on time throughout the entire loan. In XX/XX/XXXX, PNC did a system update and forgot to include a bankruptcy disclosure on their statements. Since that time, they refuse to send me a bill or statement. After contacting my attorney and providing PNC with a copy of the reaffirmation agreement, that PNC was not able to find ... my attorney advised that there is no reason PNC can not provide me with billing statements. I have been been faithfully making payments blindly not knowing if they are posting to my account. PNC was also told about an inaccurate report they posted on my credit report in XX/XX/XXXX ... .stating account was included in bankruptcy. Since then, they have changed it to show paid as agreed, then changed once again to show closed as of XX/XX/XXXX. This is not the case, as I am still paying. Or should I not be paying? I would not know as they refuse to issue a statement. I have made at least 4 attempts by phone to them. Also a few attempts by email with a XXXX XXXX phone number XXXX email XXXX. He has not reached out to me since XX/XX/XXXX, when he was to be forwarding to the proper department for resolution. I also asked for many of my phone complaints to be documented and sent to me ... but they have not. All I ask is for statements to be provided or the account be absolved, due to their lack of incompetence. Thank you! | ||||||
| 08/06/2019 | Yes |
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Web | Older American, Servicemember |
| My mother, XXXX XXXX, who's an elderly senior woman had {$6900.00} with XXXX XXXX ( account number : XXXX ) that allegedly went missing because it was somehow withdrawn by me, XXXX XXXX, her son, who's listed on this account as a Minor. We recently spoke to two different PNC Banks in the XXXX XXXX, Illinois area, to help us figure out what happened to the money, but on both occasions the managers there stated they didn't have access to the records even though PNC Bank acquired XXXX XXXX. The manager at one site suggested writing PNC Bank headquarters because there wasn't an email or phone number to use, so a written letter was mailed to PNC Bank Headquarters. An agent of PNC Bank by the name of XXXX XXXX, Retail Escalation Manager, states letter was received on XX/XX/2019. However, no statement of effort was made in the reply about where the money went or what PNC Bank is doing to find the lost money besides Mr. XXXX stating he wants to talk further over the phone. The correspondence received from Mr. XXXX, dated XX/XX/2019, doesn't ask about what other details they may need, if any ( which we already provided to his colleague over the phone anyway ), or, again, what they're doing to resolve our concern. It appears my mother was a victim of elderly fraud and we hope PNC Bank has an ethical responsibility of helping my mother who's an U.S. citizen with limited-English proficiency. Any help is greatly appreciated in closing this matter in our favor. Thank you for your time and consideration. XXXX bless! | ||||||
| 07/11/2018 | Yes |
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| I have an account with PNC Bank. My purse was stolen and it had my debit card, license and other important mail, papers, bank documents which had my pin for my debit card was written on a piece of paper which was inside my purse. I noticed unauthorized charges on my account. I had reported my card stolen and disputed the unauthorized transactions that I did not make. I was given a provisional credit for some of them but not for 3 of them which remain on my account along with several fees related to these charges that I did not make. The unauthorized charges that have not been fixed are as follows : Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$50.00} There are also several fees that I have been charged as a result of these unauthorized transactions. I have spoke to pnc bank several times regarding this and the last person I spoke with assured me that they would get this resolved. Then I received a letter in the mail stating that they found no error in the dispute. So I called pnc back and they told me they were going to redispute these charges for me that I did not make. but they didn't do that and my account still has these charges on it along with several fees including overdraft fees related to these transactions. I would like my account to be fixed but they still have not fixed it by removing the unauthorized charges and all of the fees that I have and are still being charged for related to this. | ||||||
| 09/06/2017 | Yes |
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| US GAO fund created by XXXX XXXX with NASA XXXX XXXX XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. | ||||||
| 01/14/2016 | Yes |
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| I recently financed a vehicle through PNC, I purchased the car on XXXX XXXX. When I had not received any information in the mail regarding my account number, when my first payment is due, and how to make a payment, I called today XXXX/XXXX/16 as I slightly remember the dealership saying that my first payment was due XXXX. The representative on the phone told me the coupon book was mailed on XXXX XXXX and that I should be receiving it soon. I had called to schedule online banking since I wanted to make sure my payment was not late, only to find out that I could not schedule online banking with PNC to pay this loan unless I had a PNC checking account, I do not have a PNC checking account. I then tried to schedule autopay through my bank where I have a checking account XXXX XXXX XXXX and needed the address for XXXX to automatically send a check each month. I had to call back PNC for this information, I expressed concern to them that since I was through this method, the payment could end up being a few days late since the payment was due XXXX/XXXX/16. They offered to transfer my concern to escalations, with a 24-48 hour XXXX to get back to me. I advised them that since the payment is due XXXX/XXXX/16, that would not benefit the situation. My concern is how could they expect a customer to make a timely payment if the coupon book containing their account number and how to make a payment was n't mailed until XXXX/XXXX/2016. Furthermore, I have yet to receive my loan agreement - which is a further concern of mine. | ||||||
| 01/23/2020 | Yes |
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Web | Servicemember |
| PNC Bank is Manipulating Data and fraudulently reporting items incorrectly which cause consumers to have False information. This is Antitrust and Consumer Fraud by PNC Bank. They report and hold transactions as pending status from 1 to 4 days at times in expectation that the account would be overdrawn and charge overdraft and NSF fees which cause consumer additional Fees with the submitter of the charge. When a consumer makes a Cash deposit through an ATM it immediately becomes available. Which means the consumer can withdraw the funds a minute after since it is available. I strongly believe PNC is baiting consumers to a false sense of security and unconscionable deception. Here is what recently happened that leads me to this conclusion. I made Cash Deposits on XX/XX/2020 to cover items that were being presented for payment and in a pending status. I took screenshot 's with a time and date stamp showing that there wasn't a negative balance and verified the bank balance by getting an ATM receipt of the balance on the account. However, the Cash Deposits even though showing deposited on XX/XX/2020 post on XX/XX/2020 instead of XX/XX/2020 in order to cause pending transactions to Assess NSF & overdraft Fees. I'm also assessed a fee by the other party it was returned to. This is Antitrust, Consumer Fraud , Banking Double Dipping & Data Manipulation. I HAVE SCREENSHOT 'S WITH TIME AND DATE STAMP ( Bottom Right Corner of Screenshot ) AND BALANCE INQUIRY RECEIPT FROM ATM AS PROOF are attached. Thank you, XXXX | ||||||
| 12/17/2018 | Yes |
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| On XX/XX/2018 I went to PNC bank Branch in XXXX, GA where i do most my banking to make an international wire transfer to XXXX for the amount of {$12000.00}. On XX/XX/2018 I saw a suspicious deposit in my account for {$11000.00}. Couple of days after that i went to the bank and shared my concerned about the Transaction.In my disbelief I was told the transaction is reversed International wire in my account from XXXX. So when i questioned the the dollar amount being {$830.00} less than original {$12000.00} I was told that the bank has to do an internal investigation and they will notify with the outcome.After few days i went bank to the Bank and they said they have not done anything wrong and the XXXX bank is charging me a exchange rate and return fee. I demanded to talk to the branch manager but he referred me to Mr XXXX which happens to be the regional manager.After speaking to him on XXXX XX/XX/2018 .he assured me to find out what the fees were and see if he can find a solution to solve the problem.i was out of country till XXXX of XX/XX/2018. Went to the bank on XXXX and i was told that there is nothing can be done. I asked for the breakdown of the of the numbers on Reversed International wire back in my account but they could not come up with the copy of the breakdown. I am so upset with lack of consumer protection in a my case. I feel like the banks ripping public off without any accountability on their behalf. all i want is my money nothing more nothing less. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX | ||||||
| 11/11/2022 | Yes |
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| Please see the attachments on this complaint by me- I am requesting that your company send me copy of the 1099-C, Cancellation of Debt / CHARGE OFF or write-off that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I XXXX, XXXX Authorized Representative for XXXX XXXX requesting documents and has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I do not owe any debt or any alleged debt. I also refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, XXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o | ||||||
| 04/07/2022 | Yes |
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| On XX/XX/2022, my husband went to an ATM machine at a XXXX in XXXX, IL. Here is the bank info on the transaction : ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL He requested {$200.00} but the machine only gave out {$160.00}. The man at the store said the ATM has been having problems with that and that we should contact our bank ( PNC ) and they will refund the {$40.00}. I filed at dispute and was given a provisional credit. I then received a letter in the mail saying it was denied ( provsional credit removed from my account ) and I could request the documentation showing what they investigated to come to their determination. I called into customer service and was told she would reword my dispute and resubmit. I then asked for the documentation and was told there was none. I received another denial in the mail. Process was repeated and declined again. I then filed a complaint with the Office of the Comptroller of Currency who referred me here. I have received an email and a phone message from XXXX XXXX from PNC. I returned his call and received no call back. I then sent him an email. He called back on XXXX saying he would escalate my issue and call me within XXXX hours. No such call has been made to me again. I would like our {$40.00} back plus the {$3.00} fee that was charged. How many people does this happen to and who is gaining financially from all this undispensed money?? Consumers have a right to be treated fairly and honestly, especially in these difficult times. Every dollar counts! | ||||||
| 09/28/2017 | Yes |
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| I am a single mom who gets paid every other week y. It appears PNC bank is just charging my account {$7.00} a day for going into an overdraft on top of already charging me {$36.00} for the three payments they made and another {$21.00} for going into overdraft, the whole system does not make any sense to me. I was lured into their program by being promised a {$300.00} bonus depending on the amount of money I deposited within a certain time. I did meet the criteria but they never honored it. Turns out the representative at their bank did not give me my checking account information but a savings ( reserve ) account number where my direct deposit ended up going and I did not qualify for the promotion. They do not provide checks so I had to depend on their representative to give me the appropriate information for the company I work for. To appease me because I filed a complaint they gave me {$100.00}. In addition when I opened the account I only wanted a checking they ended up opening two other accounts for me. Apparently it was part of the virtual wallet account package. However, I do n't use those accounts. I have a savings account with a credit union. Within less than a week I was charged the following : XXXX XXXX {$7.00} for service + charges fees XXXX XXXX {$36.00} overdraft fees XXXX XXXX {$21.00} for service charges + overdraft fees XXXX XXXX {$7.00} for Service charges + overdraft fees XXXX XXXX {$36.00} over draft fees XXXX XXXX {$36.00} overdraft fees I have attached a copy of my statement as proof | ||||||
| 12/07/2023 | Yes |
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| Following a fraud situation where I was threatened by a criminal online to deposit money into my credit card account, my bank decided to close my account. I then asked if my IRA and checking account was going to be returned to me, upon his response was, I dont see why not. I was told to call back in two weeks and I could rollover my IRA and transfer my checking to another institution. I called back on the XXXX of XXXX to be given a list by the fraud team that I had to complete to get my money back. The list was comprehensive including proof off outside account legitimacy. However, one of the stipulations was to prove the legitimacy of two checks my father wrote to me from his XXXX XXXXXXXX XXXX. The proof of check and proof of bank bia signature and check guarantee didnt satisfy their list. They also want a medallion signature stamp and ( loi ) or letter of intent. My dad asked his bank about this medallion stamp and he has it on a recorded line that the teller had never heard of that stamp being used in this scenario and thats a service they provide. He then asked the teller to please ask the district manager if he knows of this practice and he responded by saying that sometimes in the case of IRAs or bigger money amounts its used, but not to simply prove the legitimacy of a check. So, XXXX has stated that the signature guarantee and check guarantee are not enough to release the funds. I am going crazy be I worked so hard to build this nest egg and I feel that its my right to have my money returned. | ||||||
| 10/29/2017 | Yes |
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| I traded in a vehicle to the dealership on XXXX/XXXX/XXXX so the co-signer on vehicle could obtain a vehicle in his name alone. I was not purchasing another vehicle at the dealership. I was told that the dealership would pay off the full amount owed to PNC bank within 14 days. I followed up with PNC bank on receipt of payoff. The vehicle was paid off in full on XXXX/XXXX/XXXX. I received documentation that the account was closed on XXXX/XXXX/XXXX from a local PNC branch. I also received a letter dated XXXX/XXXX/XXXX from the bank that the loan was paid off and they even refunded {$14.00} of a over payment. The account was updated on my credit report as paid off. On XXXX/XXXX/XXXX I became aware that the account was reopened. I was told by the bank that they " reversed '' my account on XXXX/XXXX/XXXX. The bank stated that the dealership told them it was paid off in error and they mailed a check back to the dealership. The vehicle was not paid off in error and I have a signed agreement with the dealership that they took ownership of the vehicle and it would be paid off in full. I have talked to XXXX different people at the bank who could not give me any answers as to why, 2 months after my loan was closed, the dealership was able to do this. They could not give me answers on how it was possible for someone else to reopen my paid off loan and who at the bank allowed this to occur. The account is still open while they investigate and they have not allowed me to report the account to their fraud department. | ||||||
| 11/07/2021 | Yes |
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| On XX/XX/2021 a withdrawal was made at an ATM on XXXX XXXX XXXX XXXX XXXX for {$500.00}. It cleared by bank ( BBVA Compass ) on the same day. My ending balance on this days {$2700.00}. I have a statement from BBVA to show this. I have a statement from PNC Bank which took over BBVA Compass showing the beginning balance on XX/XX/2021 with the was {$2700.00}. Only one ATM withdrawal in that amount and from that ATM was made between XX/XX/2021 and the present day ( XX/XX/2021 ). On XX/XX/2021 the PNC Corporate offices deducted another {$500.00} in error ( same withdrawal from XX/XX/2021 ) from my account. At that time my account had a balance of {$1.00}. As a result my checking account went into a negative XXXX. I have tried since that day to speak with someone at the bank to get the issue corrected. My husband actually went into the bank on XXXX XXXX in XXXX, Florida on XX/XX/2021. The bank manager advised him that she could see it was a duplicate withdrawal, but all she could could was file a dispute which could take 10 working days to resolve. I have called the bank many times and I am unable to do anything. I was able to withdraw my deposits from our employers that was made on XX/XX/2021 minus the {$500.00}. At this point I have become convinced the {$500.00} is never going to be put back into the account so that I can close it out and never attempt to bank with this financial institution again. I am asking for your assistance in helping me recover the money that is rightfully owed to me. | ||||||
| 10/12/2021 | Yes |
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Web | Servicemember |
| PNC CLOSED MY ACCOUNT WHEN I WENT TO OPEN AN ACCOUNT OF FOR MY XXXX YR OLD SON : THEY STATED THE WOULD NOT OPEN AN ACCOUNT FOR HIM AND THEY ARE ALSO GOING TO CLOSE MY ACCOUNT : AS THEY DID, THEY CLOSED MY ACCOUNT WITH NO REASON : MUILTI CALLS AS TO WHY MY ACCCOUNT WOULD BE CLOSED AND THEY SAID THEY HAVE A RIGHT TO CLOSE MY ACCOUNT PERIOD. THEY KEPT MY FUNDS FOR OVER 20 DAYS MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND PNC AND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE TO THE MERGER PERHAPS, IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION : they reported me to early warning credit as abuse ( with no documentation of abuse ) I'm currently not about to open a normal bank account due to being racial discriminated by PNC and XXXX XXXX XXXX : I will be posting the details with XXXX on a separated compliant : i have over 200 statements from PNC opening an account for my son and sending us both online bank cards, then letters stating they would closed : No verbal nor written reason was given and the documents received do not reflect abuse however they reported this to early credit warning as Abuse : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOA AND PNC HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR XXXX AS WELL. Account # : XXXX CLOSED XX/XX/2020 2020 | ||||||
| 04/04/2021 | Yes |
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Web | Older American |
| XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Telephone No. XXXX Consumer Finance Protection Board RE : PNC Bank, COMPLAINT ID XXXX Dear, CFPB Manager, This complaint has been filed before, but the cfpb did not require the merchant to provide disclosures given at time of application, nor required an explanation as to whether a layman, like myself was fully and substantially explained the hard vs soft injury and how it would affect his credit rating. I just telephoned PNC Bank on yesterday, dispute transaction I have not received yet. I informed her that she was supposed to send me and cfpb copy of aforementioned disclosures given to me. I have not gotten it yet. It should be noted that credit reporting Agencies has made hundreds of errors, this article highlights during XXXX, but I sincerely believe the problem has always existed. See link and XXXX XXXX XXXX XXXX Also, the merchant has not provided at the time of application any details on how a layman/consumer, like myself, were verbally given a sufficient explanation on the destination between a hard vs soft pulling of my credit report and how it would affect my crediting ;, or in the alternative any affividits of all decision makers on this decision not remove the trade line from my CR. Cfpb just accepted and closed my complaint. It seems that cfpb accepted the merchant explanation is final and no independent party makes the decision in the process. This violates my Constituational right to due process. Respectfully XXXX XXXX | ||||||
| 06/18/2018 | Yes |
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Web | Older American |
| The problem began when PNC Bank went through a conversion to the loan accounts in XX/XX/2018. Since the beginning of my loan, I have always paid my payments early even though I am set up for auto draft. I was guaranteed at the beginning of the loan that I could pay early with no penalty and the Bank would not take an additional payment from auto-draft since the payment had already been made. Since the conversion, they have been taking an additional payment from my checking account even though the payment was made early. On one occasion, I had to transfer money from another account as to not overdraw my checking and be charged overdraft fees. On another occasion, my checking was overdrawn and overdraft fees were charged and they took money from another account to cover the home equity loan payment even though the payment had already been paid early. PNC has even turned my account over to their collection department stating I asked for an extension due to hardship, which I never did. All payments have been made early and an additional amount paid to principle since the beginning of the loan. I have talked to several people regarding this matter since XX/XX/XXXX and nothing has been done. I get a response of " there is an open case on your account '' but yet the mistakes continue to be made. If I remove the auto-draft from the loan, they can raise my interest rate. They are taking money that I don't owe. Getting them to return it takes weeks. After five months, I should not be dealing with this problem. | ||||||
| 03/31/2017 | Yes |
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| PNC Mortgage Loss Mitigation wo n't give me any information regarding countless declined Short sale offers. They hold on to offers then decline and not counteroffer stating it 's too close to sale date. We have submitted latest offer at PNC 's BPO 's value and no one will look at it nor help with getting sale date extended. We have been trying to work with the servicer for past 6 months and get no information except declined. Our sale date is Monday XX/XX/XXXX and really need help getting to a decision maker. Supervisor over loss mitigation wo n't return phone calls. This foreclosure litigation has been on going for almost 5 years because PNC could not prove standing. It has been a nightmare and never once have they reached out to help mitigate the foreclosure. PNC is subservicer, XXXX f/k/a XXXX mortgage is Master Servicer Investor is XXXX TRUSTEE for XXXX XX/XX/2007 pass through certificate Trust put together by XXXX. The Investor name had to be changed as plaintiff on Foreclosure because PNC could n't prove Standing. But as servicer they are the only one we can submit loss mitigation options to because trustee does n't make those decisions. But it seems like if Servicer did n't have standing to foreclose them they do n't have standing to approve a short sale. Resulting in us the homeowners in a BLACK hole. Please help get Sale extended and help us forego a foreclosure by completing a short sale. Our buyers are qualified and approved for XXXX waiting on PNC approval. PNC 's BPO As is Price is XXXX. | ||||||
| 05/01/2022 | Yes |
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| On XXXX I attempted to dispute this account with PNC Bank NA. I opened this credit card in XX/XX/2021 with the expectations that they advertised I would receive a higher deposit interest rate on my personal checking/savings accounts which were under both my name and my living trust name. A couple months after opening, I was told that the bonus interest rate would only apply to either my personal accounts or living trust accounts. I chose the living trust accounts as that's where I held most my money. However, the following month I started receiving bank fees on my personally titled accounts as they could not link the personal to trust accounts for balance aggregation, only trust to personal. So I had to either chose to get the fee waiver with no bonus deposit interest rate based on this credit card because of how they could link accounts, or I had to downgrade my personal accounts and could not use my trust balances to waive the fees as their systems could not link the accounts together even though both were under my personal ssn. I had to wait until XX/XX/2021 to close out my accounts. I would have never took the credit card to get the higher deposit interest rate had I known there would linking issues. The credit card was only opened a few months and it was closed. I've requested several times that the credit card be removed from my credit report as it's hurting my average account age, but they refuse too. I was told by opening the card I would get a higher deposit rate which was completely false. | ||||||
| 02/28/2021 | Yes |
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| In the month of XXXX I tried to pay my water bill with my prepaid account using my account routing number and account number. It is a prepaid card account but we have access to our account information. My payment submission was returned to the water company unpaid. There was over {$600.00} dollars in the account at the time of submission. The bank returned my payment unpaid and now the water company wants me to pay a {$30.00} NSF fee even though there was plenty of money in the account to pay the bill. Was told that I could not use my routing number and account number for a prepaid card account to pay a bill. However PNC has nothing in writing for us that says we can not use out account number to pay a bill. The water company is requiring me to give them something in writing stating that fact ; that we are unable to use my account and routing number and they will remove the NSF fee from my account. I called the bank to ask for information regarding the inability to use a account number and routing number for bill payments ; and have yet to receive anything. I was told that it would be something that they would have to create for me in order to get the water company to remove the fee. It has been over 30 days and I still have not received a reply to my compliant. I know of other prepaid cards that allow you to use your account and routing number to pay your bill ; this is the only bank that I am aware of that you can not do a transaction in this manner. Please help me to resolve this issue. | ||||||
| 06/21/2015 | Yes |
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Web | Older American |
| I had a catastrophic illness that permanently XXXX me. I lost my job and the bank said they would foreclose on my house in XXXX days. My daughter and I were both on the loan for the house as co-owners. This was our first home. Then we, XXXX at a time we declared bankruptcies and left the home. Never giving us a reason why PNC bank kept delaying the foreclosure for over XXXX years. Then in XXXX we were jointly sued in small claims for the HOA fees of XXXX of the HOA 's. The third HOA was the monthly fees and they filed a lien against the house. We do n't know if they recieved their fees from the final sale of the home on XXXX/XXXX/2014 when the title was finally transferred. We tried for years to get them to do a deed in lieu sign off but they would not do that. The Judge-XXXX at the small claims case, would barely hear our testimony and of course judged in their favor. The HOA did not bring ANY documents to prove the amounts of charged services. The judge said we should trust this lady to send us copies of all the amounts charged since the judge saw her all the time and knows she is reliable. We still have not received a thing and it 's been three weeks. Now the Small Claims court says we owe thousands of dollars on a house for HOA fees on a house that we were told to leave by the bank. We did leave. We would like to to know if this is legal what they did. Can we sue PNC for not foreclosing for over XXXX years because they did n't want to pay the HOA FEES? Should we appeal the small claim judgement? | ||||||
| 04/29/2022 | Yes |
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| XX/XX/XXXX I've been having problems with PNC for a long time. It started when my account was hacked into and all large lump sums of money was stolen and they tried to lie about the situation I act like I stole the money now I got in a hardship program with them twice when I get in the hardship program I will have to split my payment my payment is {$880.00} they split in half and basically I will pay half of that I paid that but it's like not consecutively that's pretty much is 3 months I did it recently they say XXXX XXXX and XXXX and XXXX I paid about XXXX XXXX XXXX XXXX XXXX I paid {$440.00} and some change in XXXX I went back to my {$880.00} I actually paid them come to find out to payment and XXXX and then I pay XXXX as well they keep trying to say that I owe them {$32000.00} one of the associate she didn't seem to know how to do a job she said I had late fees which I'm never late I said did it was still {$31000.00} and then it wasn't due to be paid off the same maturity date of XX/XX/XXXX XXXX of XXXX I need this matter fully investigated to find out what from Penny to Penny where did my money go at how did they come up with these figures it seemed like they just charging and telling you anything when you call him somebody tell you something different every week you could call twice and somebody will tell you different amount I need this fully investigated and Penny the penny print out somewhat what's all on this vehicle and why is a maturity date. Change it when you have gotten extra payment | ||||||
| 09/06/2017 | Yes |
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| Subsequent to filing cfpb complaints against PNC Bank and other Federal reports ingredients and Department of Human Rights complaints PNC Bank decided to break the law which prohibits retaliation if you as a witness complain against a business to the government or its Affiliates or subsidiaries whatever I got a threatening letter from PNC Bank by which I receive my Social Security and SSI from into their Bank I got a letter stating that they would be closing my account in issuing refunds during periods when an investigation with the cfpb is pending I take it they 're going to attempt to destroy evidence falsify records even more and Destroy any files or anything that could have been a supportive on my case against their video footage debit cards have already been altered and destroyed even people in fact one of my discriminations went missing left the bank facility as a branch manager overnight just never saw him again and I have a subsequent to file in the Civil Rights charge now this this Bank owes me more than {$4000.00} in transactions that went through and that were allowed under-9 matching to the debit slash credit mechanism card which was used that someone used sending an inmate cash from my account to prison the bank has refused me my money back and engaged and nothing but unlawful actions I want this Bank find and shut down and a full return it is bank is to cease and desist from closing anything until I give them permission to it 's nothing but retaliation which is illegal even in banking | ||||||
| 09/08/2015 | Yes |
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| PNC Bank : XXXX XXXX XXXX sent me a letter claiming that I owed their bank {$140.00} ( which I had paid at their branch nearby and was told by the branch CSR that I was totally paid out and that my accounts were at zero after the cash payment at the teller ). The letter XXXX sent me arrived in my mailbox on XXXX XXXX, 2015 and said that I had 7 days from the receipt of the letter to call her about it otherwise they would send it to collections. I called on Tuesday XXXX XXXX, 2015 and she said she had already sent the matter to collections without even waiting for my call. When I told her that it had n't been a full 7 days since I got the letter, she said it was too late. When I told her I would complain to the FBI, she immediately hung up. I 'm not sure I have located the receipt for that payment or could since it has been several months since the deposit was made. I believe PNC Bank is in error and is just trying to collect money fraudulently from me since I am XXXX. The CSR person who started taking full advantage of me was XXXX XXXX XXXX XXXX XXXX. Branch in XXXX, Florida. XXXX had lied about my behavior when I wanted to close my account with PNC, saying that I was yelling even though I was not yelling, just speaking with a disbelieving tone of voice XXXX I could n't believe she would n't close my account. The date of closing was within the rules. ) When I told XXXX it was unfair she expressed that it was too bad. I told her I was recording the conversation and she immediately hung up the phone. | ||||||
| 04/16/2020 | Yes |
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| PNC called me about my 2nd home ... which is in default ... no fault of mine ... I tried to correct the problem but PNC would not work with me. I have a tenant with many children ... who is through XXXX XXXX XXXX. My tenant was to move XX/XX/XXXX ... but Covid-19 hit and we are in a state of emergency. PNC just called me ... threatening me ... ..and told me to evict my tenant in the middle of a global pandemic. Please see my email XX/XX/2020 ... to them ... and asking for at least payments to be deferred to the end of the loan ... as the President stated. To PNC : Good afternoon XXXX I just received a very disturbing call from PNC. We have a global pandemic and PNC just called me about my payments. As of now ... everything is frozen ... no evictions and no foreclosure because of Covid-19. My tenant was to move out XX/XX/XXXX ... but she is through Housing and Housing and our State has put a hold on everything. I have not received a payment from Housing because of the hold. The tenant is still there ... and I will not break the law by evicting her in the middle of this epic pandemic. PNC just told me to evict! Please tell PNC to back off or I will make the phone call very public. I expect ... as it's been stated - that at least 3 mortgage payments can be deferred to the end of the loan because of the global pandemic. Can you please have my payments deferred for 3 months ... as there is nothing I can do to change this situation. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX | ||||||
| 04/05/2023 | Yes |
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| I'm a XXXX*** on XXXX. I had a couple of different occasions where. I got large? Amounts of money and the money basically except for the XXXX was with a lawsuit and it's the 1st time that. I had that amount of money and I kind of lost track of it but I filed all kinds of disputes going all the way back to probably XXXX but. I was cut off there which it's terrible. I've been trying to get through and I have been told certain things was going to happen and nothing happened. I talked to supervisors supposedly but never really actually got any with PNC bank. And was told by several workers that things were done wrong and they absolutely refused to give me any of my money back. It's sufficient amount of money. It's not my fault all the way around because I wasn't getting any of my papers that told me what my account was doing the activity. They kept turning the notifications off. My password has been change that. I've just had a little nightmare and I've had people go weeks and they talk about how the amount of time you have to report well also on my. Papers it says that I have 0 liability for fraud to report in prompt time. I don't know what they describe as proper. I've time I haven't been treated fair at all nobody 's giving me any. Answers telling. Me? Any. Status updates or anything. It's this has been a major nightmare well over XXXX if not more has been taken from my account and it's about to really send me over the edge with my XXXX XXXX and I don't know what. I don't know what to do anymore. | ||||||
| 04/03/2023 | Yes |
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| On XX/XX/2022 I received an email from a person claiming to be Professor XXXX XXXX from XXXX in regards to an open XXXX XXXX XXXX role. I had previously shown interest in a XXXX XXXX XXXX role at XXXX XXXX XXXX as I was studying there at the time. I expressed my interest for being considered for the role by sending my resume to which they replied positively to and told me I was the most ideal candidate for the role and hired me. First thing they asked me to do was to buy a laptop and printer as they said I would require both for the role and proceeded to send me a check of {$2100.00} to buy the new equipment. The check was later discovered to be fake but when I scanned the check to deposit the money into my PNC bank account, PNC deposited the {$2100.00} to my account the very next day. After PNC deposited the {$2100.00} from the fake check in my account the scamster then asked me to send {$1100.00} and {$920.00} payments on XXXX to a person he said he had appointed as his assistant who would help me get the new equipment ( laptop and printer ). I sent him the money as to that person and later that evening discovered that I had gotten scammed for {$2000.00} after which PNC also proceeded to removed the credited {$2100.00} from my account leaving me with a negative account balance as I had less than {$150.00} in my bank account at that time. My complaint is that PNC Bank should not have deposited the amount from the fake check in my account in the first place for me to proceed with the next steps. | ||||||