Date Received: 2023-03-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PNC bank -- -my account ending XXXX : The bank mailed a postcard to my home address around XXXX 2022, offering a {$400.00} bonus for the deposit of {$5000.00} and maintaining a balance of {$5000.00} for 60 days, at the end of 90 days the deposit would be added to the account. I opened one account, my wife one and my daughter one. XXXX XXXX XXXX XXXX XXXX XXXX I spoke to two different clerks, one an XXXX female, whom never mentioned a direct deposit or a form was given to us. We never got a reminder in the mail of a direct deposit. The card in the mailed never mentioned a direct deposit. This is a " bait ans switch ''. The XXXX California Branch told my daughter that " the offer has expired '', just to get rid of her. XXXX XXXX opened her account in the XXXX Ca branch. This bank needs to be investigated, for the dubious treatment and poor business practices. They used up clients money to lend out.
Company Response:
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I'm a PNC customer who is working internationally and sometimes I have to use an ATM. We have been reimbursed for ATM fees before but we recently did not get reimbursed for an ATM fee. On XX/XX/2023, I called PNC bank and was told they would only reimburse one ATM fee per month and they created an escalated ticket on my behalf to find out what the policy was. On XX/XX/2023, I received a call from a PNC case worker but they were unable to provide or send me any new documents/ policy regarding International ATM fees. After the conversation, I felt that the one per month International ATM fee reimbursement was something they made up off the top of their heads as I found an article on their website stating that PNC was reimbursing International ATM fees.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a claim open for a missing item for XXXX with XXXX XXXX XXXX and pnc I still have her to get my money back XXXX XXXX denied the appeal and XXXX closed it after sending to them so I opened with my bank and its been over 90 days and still no refund for this missing item that the XXXX driver misplaced and admitted to misplacing I am very unhappy its been over 5 months since this happened and nobody is helping attached is the tracker and form From XXXX driver he bought for us file and sign Im waiting for order number again by email from XXXX XXXX
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I was inside PNC Bank branch when I received a notification from a store requesting a code for a purchase that is currently being processed. I showed the text notification to PNC bank manager and he immediately closed the ATM and issued me a new ATM. I requested a print out for the last 3 months for me to review and I found several transactions which I did not authorize. I called PNC on XX/XX/XXXX and requested for help disputing unauthorized charges. The representative said he can only help me with two charges. Other disputed amount I will need to go back to the bank branch. Representative filed a fraud unauthorized charge for the amount of {$790.00} date of transaction XX/XX/XXXX and {$4800.00} date of transaction XX/XX/XXXX both of these charges are from the same company and I was also charge twice international fee {$24.00} which the representative did not include on the dispute. PNC Bank issued a temporary credit for {$790.00} and did not provide me temporary credit for the other charges. After filing the dispute I have not received any information, status or update of the investigation. Middle of XXXX I could not access my Checking account and it looks like PNC closed my checking account. I decided to file a written dispute letter for both charges both were received XX/XX/XXXX. After PNC received the written dispute I was granted access to my checking account which now I can see account information. My account balance shows {$5200.00} part of this amount is the provision credit they provided me for the disputed charges I filed. I contacted PNC Bank and was transferred to case manager XXXX contact # XXXX I requested for her assistance and requested to provide me explanation to why I can not access the balance on the account and why the available balance is not updated and still showing {$0.00} she stated on XX/XX/XXXX after filing a fraudulent charges my account overdrawn on XX/XX/XXXX for {$330.00} and because of that they closed my closed my checking account as part of their procedure to review customer relationship. I explained to her that I temporarily freeze all electronic deposit to my checking and my account should have not been overdrawn if PNC followed the dispute procedure and provide a temporary credit back to my checking account. PNC closed my checking without providing reason of closure. By closing the checking account PNC did not continue the processing of my dispute. She stated it was still under investigation, I questioned her about her answered and requested again to explain the reason of their action. I stated prior to filing a dispute I have consistent deposit leaving my account balance to $ XXXX or more. I have no account issue that can be considered as excessive use, no other issue PNC can be used to closed my checking account. I only filed a dispute because those charges are not authorized and it is my rights. Only other issue was other error by PNC ATM which took my cash and shut down on me without providing me my deposit transaction which is not my fault for having a faulty ATM machine. Other dispute is these recent unauthorized charge which PNC is required to investigate, provide temporary credit accessible for consumers to use. Banks and card networks have some leeway in how they handle the dispute protocol, the underlying process is governed by legal guidelines. PNC did follow the guidelines established that consumers are not obligated to pay for billing errors, unauthorized transactions, defective or missing goods, or fraudulent charges.Consumers have the right to dispute such charges and It also stipulates that consumers are not liable for any unauthorized charges that are made.. The case manager could not provide explanation, she then asked me who will be the agency I will be filing a complaint and she said I will not be able to use my provisional amount given since they will closed my account for the second time.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2022 - Entire balance in PNC Bank personal account levied and withdrawn from XXXX issued by state. Funds were never returned to me or account but the state of NJ sent me the voided cashiers check and confirmed they released the funds but the bank has not credited them back to my account. After multiple calls, branch visits, this issue remains unresolved and I still do not have over {$4000.00} that was due to be returned to me almost a year ago.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is to address my complaint that i file with my bank PNC Bank @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) I File a Dispute with my banks Dispute Department on the following Date XX/XX/2023. The Bank in turn issue a Provisional credit to my checking account for the amount of {$180.00}. I provided supporting documents/evidence in the form of the following : itemized statement/receipt showing the payment was made to the merchant, The XXXX XXXX XXXX XXXX thru other means. The amount of the payment was as follows : a partial payment of {$120.00} that was listed on the itemized statement/receipt that i provide from XXXX XXXX XXXX and a partial payment of {$59.00} using my pnc bank issue PNC Bank Debit Card , that would bring the total amount of the readmittance to {$180.00}. For the payment due the XXXXXXXX XXXX XXXX XXXXXXXX for the month of XXXX, to the said amount. I also provided all of my evidence to both the Email and Fax number that the bank provided which is as follows : Email = XXXX, and the Fax number = ( XXXX ) XXXX. This information Proof of Evidence was provided by me to my bank not once, twice, but three times on different occasions. Finally On XX/XX/2023 i receive a letter from PNC Bank Basicity stating that they had completed there investigation into the matter and they needed a itemized statement/receipt for which i had already provided three times previously. So in Essen that they would be reversing the temporary Provisional credit on XXXX that the Dispute department had issue to my checking account of {$180.00} on XX/XX/2023 when i first file the dispute.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing to express my deepest concerns and file a formal complaint against PNC XXXX due to the distressing and fraudulent practices I experienced during a phone conversation on XX/XX/2023. The call, which spanned approximately XXXX minutes, was recorded and is a testament to the numerous instances of misleading information, deceptive and predatory practices, and outright fraud. This harrowing experience has left me in fear of losing my home, my stability, and the life I have built for my family. The call began with my transfer to a department responsible for handling loss mitigation and hardship requests. I recognized the initial representative as someone I had encountered in previous calls, who had exhibited argumentative behavior in those conversations. Regrettably, this interaction was no exception. The representative informed me that their department was the sole authority capable of addressing my request due to a submitted hardship request. Despite clarifying that I had no interest in exploring the loss mitigation options, the representative, XXXX, grew increasingly short and dismissive. He informed me that I would need to be transferred to another department, while simultaneously stating that he was not allowed to engage in further conversation with mean assertion I found both unsettling and confusing. The uncertainty and lack of empathy displayed by the representatives exacerbated my fears of losing my home and the stability that my family desperately needs. Upon being transferred to the next department, the representative, XXXX, merely repeated the information I had previously provided to XXXX, and then attempted to steer me towards the loss mitigation options. As both representatives continued to be insistent and provided misleading information, I grew increasingly suspicious of their intentions. The anxiety and apprehension I felt were compounded as I grappled with the very real possibility that their actions might lead to the loss of my home, upending my family 's life and shattering our sense of security. Ten minutes later, I found myself transferred back to the loss mitigation department, contradicting XXXX 's earlier claim that I could not speak to them about my particular issue. It became apparent that these representatives were engaging in an appalling and fraudulent scheme to force me into options I had explicitly declined. They employed deceptive tactics, disseminated false information, and relentlessly pressured me into pursuing the loss mitigation process. Their predatory behavior has left me feeling vulnerable and exposed, with the threat of losing my home looming over me like a dark cloud. In light of these events, I believe it is crucial that PNC XXXX be held accountable for their fraudulent and deceptive practices. As a consumer, I expect to be treated with respect, dignity, and transparency. I deserve to have my concerns heard, and I should not have to face the prospect of losing my home due to the company 's dishonest conduct. The actions of these representatives have caused me immense distress, and I implore you to investigate this matter thoroughly. I kindly request that you examine this matter in-depth and take appropriate action against PNC XXXX for their dishonest and deceptive practices. The weight of this situation bears heavily upon my heart, and I am more than willing to provide any additional information or evidence that may be necessary to facilitate this process. Time is of the essence, as the outcome of this investigation will determine not only the fate of my home but also the well-being of my family. Subsequently after this conversation was had after log into the website for my servicing portal daily and multiple times and some days no information or updates were provided on to my servicing portal period after a couple of weeks we received bailed publications that stated that the forbearance plan has been approved period however the forbearance plan was initially put into place XX/XX/XXXX of XXXX what are the package for the request to do the mortgage forbearance was submitted. When you go onto their payment assistance options for COVID, it leads you to the lost mitigation package and that is the only package that you were able to gain access to the problem is is as a consumer not understanding what any of this means and doing my best to attempt to save my home in absolute distress and complete turmoil situation, I invertedly submitted this package as a request for last mitigation assistance versus the actual mortgage forbearance the best way to summarize this entire totality of events was if the precise exact question was not asked in the manner that was the exact requirements, it was a answer full of riddles smokescreens and and would be the farthest most misleading answer that could be provided to ensure that the next question would be even further off the track. the letters that I received in the mail show that the forbearance plan was approved as stated above however the letter correspondence that was received on XX/XX/XXXX of XXXX showing that the forbearance was approved was subsequently followed up with another correspondence on XX/XX/XXXX showing that now the payment is behind and past due and my payment that is already unable to be made due to the impact of COVID and the loss of income from COVID, has now doubled to over XXXX XXXXXXXX. It is made evident in writing, verbally, and every manner possible this company could do to prevent me from actually getting the COVID forbearance process completed. Last but not least the approved forbearance request document that was sent out on the XXXX of XXXX, shows that the payments for XXXX, XXXX, and XXXX were the payments that were approved for the forbearance plan. However with this request being completed initially back on XX/XX/XXXX of XXXX they have failed to disclose that XXXX was also approved for the forbearance request. The payment and my mortgage in its entirety was not passed due at the time of the initial request well within the grace period of the payment needed to be made before the XXXX before I late fee would apply and surely before the XXXX day of the month to ensure that the mortgage was currently not past due at the time of their request. The documentation continues the misleading and deceptive practices of showing that the XXXX payment is still required the XXXX payment is still required as now both payments and a cumulative balance exceeding {$4000.00} was not included in the forbearance plan. Their verbal conversations would say one thing and then the subsequent conversation would be completely contradictive and these written communications illustrate that point in black and white writing as well over {$4000.00} so our cortana This situation has left me feeling overwhelmed, anxious, and fearful for the future of my home and the stability of my family 's life. The entire process has been riddled with inconsistencies, misleading information, and seemingly intentional obfuscation, making it increasingly difficult to understand my rights and options as a homeowner impacted by the COVID pandemic. I am gravely concerned that these deceptive practices and inconsistencies in communication are not only causing undue stress and confusion but also jeopardizing my ability to receive the necessary relief to protect my home from foreclosure. The emotional toll of potentially losing my home and upending my family 's life is immense, and I can not emphasize enough the urgency with which this matter needs to be addressed. I kindly request your assistance in rectifying this situation, investigating the actions of PNC XXXX, and ensuring that my mortgage forbearance request is accurately processed and acknowledged. I am prepared to provide any additional information or documentation needed to facilitate a swift and fair resolution to this matter. It is my sincere hope that, with your help, we can resolve this issue in a timely manner, restore my family 's stability, and ensure that we can continue to live in our home without the constant fear of losing it due to the company 's misleading and deceptive practices. Thank you for your prompt attention to this matter. I am grateful for your support and any guidance you can provide as we navigate this challenging situation.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a checking account with PNC bank with a bonus promotion of {$400.00} with meeting a direct deposit requirement of {$5000.00} or more within 60 days, which I did and got email confirmation from PNC bank that I met the direct deposit requirement but I am yet to get my {$400.00} bonus even after raising a complaint with PNC and no one from PNC cared to talk to me. Hence, I am raising this CFPB complaint to help me get my {$400.00} bonus. Thanks!
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This has been an ongoing issue with PNC which was Compass Bank and which was BBVA at one time. I have reached out and asked for explanations as to why my report shows a 90+ day late payment when according to my financial institution no payments were reversed nor were they ever sent back. I have never received any correspondence from BBVA/Compass Bank/PNC on this matter and have been sending emails to an individual to fix this issue and still get no response. I have received notification from XXXX that my account was updated and they made it worse by falsely reporting dates. I have the bank statements showing payment done and from what I was told over the phone today that a payment was reversed and that is why it was 90 days, why was it reversed? Why will no one call and explain it to me or get me to someone who can explain what had happened and why will they not remove the repossession notice that BBVA has placed?
Company Response:
State: OK
Zip: 74820
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My loan was sold to PNC and transferred to them effective XX/XX/23, I was advised I am protected by RESPA for the first 60 days of the transfer yet they sent me a letter stating negative information has been reported to my credit. Why is PNC violating my rights as a consumer.? Also, I applied for a forbearance I was told by whoever signed me up that it was effective XX/XX/23 through XXXX. Now, I am being told my forbealrance is effective XX/XX/23 through XX/XX/23 very contradicting. Also, I was advised that even if I am in a forbearance I will still be reported late and delinquent to credit bureaus. PNC provides nothing but incorrect information and every representative delivers different and inconsistent information. My experience with PNC has been a night mare, worst servecing. I requested a supervisor while i was on the line yet XXXX refused to take my call. What a great service.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A