Date Received: 2023-03-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/2023, I contacted PNC to report 3 incorrect ATM transactions on my account, each in the amount of {$1500.00}, with the funds never received. In XX/XX/2023, I was advised by PNC that the investigation was complete, and that 2 of the charges were valid and one was invalid. I received written correspondence from PNC advising that I was entitled to receive documentation that was used to investigate the claim. I requested the documentation on several occasions and was told by PNC representatives that I would need to contact the ATM owner. I asked PNC if they had ATM video or other evidence that cash was dispensed, and they said they did not.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: About 3 weeks ago I had a log in problem. It was 2 weeks till it was fixed. I could reset my password and it was not accepting the current one. I tried for 2 weeks calling people and going up to the branch. The last time i went up there the teller that helped me was getting mad as i was. She finally found out that someone deleted my security questions preventing from reseting password. I threaten to take all my money and swith banks. 2 or 3 weeks later I get a letter sayng they are closing my accounts. I went to the bank and was going to get some out to open a new account elsewhere. They would give me my money and called the police. They will not verify my email so i can transfer funds. I actuality they are stealing my money. Right now i have {$35000.00}
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX we contacted PNC Bank regarding a payoff on our mortgage. We were told XX/XX/10 days. I was on the phone with them for 2 and a half hours and finally they hung up on me or they said we were disconnected. We just need a payoff. My attorney has called 2 times and the new mortgage company has called so many times we don ; t know what to do anymore. The longer we wait the higher the interest rate is going to be. We need some help.We went into the branch bank near us and met 2 really nice girls who went out of there way to help us out and when they called the main branch in Ohio, they were put on hold and transferred around so many times they hung up and they work with PNC Bank. Please help me out.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Money was not available when promised
Subissue:
Consumer Complaint: A week and a half ago, I went to deposit {$2400.00} of my personal money to my banks ATM. The ATM machine took my funds but did NOT deposit it into my account. The ATM didnt give a recieot either. The teller, XXXX XXXX, said she would contact me with an update, regardless of the outcome. A week passes, she never does. I had to physically return to PNC looking for her just for her to say my dispute was denied, she doesnt know why, theyll be sending me a letter. I feel she lacks integrity for the job. And PNC as a whole is just a huge scam to me at this point
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: We chose to enroll in the mortgage forbearance program at the start of Covid with both our mortgage and Heloc. Once the forbearance period was over we were asked to fill out a packet to restart payments. Our Heloc paperwork completion to repayment phase with XXXX took less then 60 days. Our main mortgage loan was sold to the PNC right about the time our repayments were starting. PNC was then our servicer and XXXX still the investor. We were asked to fill out the same information for PNC to restart mortgage payments. Our packet was determined complete on a voice recorded line and PNC stated no other information was needed and that they would contact us in 30 days with information on how to make our payments. It turns out PNC needed information from us and claimed they called but there was no email, letter in the mail or voicemail letting us know our packet was now determined incomplete. Because PNC was unable to reach us they placed us in an active foreclosure state. Now that we are in an active foreclosure state they have been emailing, calling, and leaving voicemails but were unable to before? The way in which PNC contacts us is very inconsistent. PNC then reported us to the credit bureau and stated we did not pay for 36 months including the entire forbearance timeframe. The forbearance timeframe which was provided by the federal government during a National state of emergency for Covid. We have been trying to begin payments since XXXX of XXXX. Every time we go through this process our packet is considered complete within the first week and then just days before the 30 day deadline more information is requested. For example PNC stated we would be able to move forward with payments on XX/XX/XXXX. PNC sent a letter in the mail ( did not call or email ) requesting more documents on XXXX XXXX which wouldnt have been received until after the 30 day timeline. This is the third time we have experienced this from PNC. PNC has shown a pattern of making it impossible for us to reinstate our loan. We want this resolved with our original term and rate when the loan was bought which was 4.125 % over 30 years. A rush was recently put on our completed application since our application has been completed three times with no decision brought to us on how to move forward with payments. It was stated that the decision would be brought to us ( the homeowners ) between business day three to XXXX. XX/XX/XXXX was the seventh business day and PNC had no answers for us. PNC stated on the day they should have given us a repayment plan that the credit analyst has not been able to reach the investor. The investor ( XXXX ) is not responding to them yet we had our Heloc in the repayment phase in less than 60 days with the bank XXXX. We continue to do everything in our power to pay our loan. The ball is in PNCs and TIAAs court once again and nothing is moving forward at our expense. We recently received another increase in interest on our Heloc due to the report PNC made on our credit. During this process we are unable to pay our mortgage because of PNC, our credit is continuing to go down and our interest go up. This is unethical and professional malpractice. This prolonged process is literally ruining our lives with bad credit, and increasing our Heloc to over double what it originally was while being threatened by PNC / XXXX to lose our house to foreclosure. This is also affecting our health by worrying about loosing our house that we have the money to pay for but are being forced into foreclosure. There is no action plan or timeline that PNC / XXXX is held accountable for. We feel as though this is professional malpractice and will be filing more complaints, hiring a lawyer, and contacting the local news station. Please reinstate our original loan out of forbearance and into repayment.
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: PNC Bank issued credit card ( XXXX ) ( XXXX XXXX ). PNC Bank sent letter to Cardholder dated XX/XX/XXXX stating that the XXXX XXXX credit Limit had been decreased from {$19000.00} to {$7000.00} effective immediately. XXXX XXXX through PNC Bank had been issued based on value customers with qualified credit credentials and there were no exceptions as to the use of the card, nor its line of credit or credit limit were an issue. PNC made no indication that the 'credit limit ' were subjected to future increases if any or decreases. Although the credit limit was a starting point for future increases if any. Card Holder contends PNC Bank ( Core Card ) credit card issued by PNC Financial Services Group ; discriminated against cardholder, based on several items listed ; which aren't considered derogatory nor adverse to justify a decrease of {$12000.00} based on a credit report ( which from time to time ) fluctuate based on borrowing power, spending or debt to income ratios. Credit Reports provided by Credit Bureaus don't make banking decisions ; decisions are made by the individual institution. In this case PNC FInancial Services Group ; targeted this account and decreased the credit limit ; due to ( 1 ) cash advance transaction on the card { which was valid & qualified } and the other accounts on the credit bureau report ; which are valid and aren't adverse in any way. This practice made by PNC to pull credit data in order to purge accounts and/or make financial decisions as to who better serves their needs, must be looked into. If Consumers wish to carry high-limit credit cards and use the line of credit and remain in good standing, with payments, stay within credit line limits, submit proper credentials ; no reason for banking institutions to take away the initial line of credit. PNC Financial Services Group based their decision on other reasons ; and targeted this account and cardholder without sufficient notice, nor other review in order to make final decision.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account with PNC bank # XXXX was closed in XX/XX/XXXX. I have tried to reach the bank on several occasions over the past years without any concrete reason. XXXX XXXX- i was told by a customer care rep named XXXX on the phone that it was put in a security hold and i should contact the number which she gave me and i did with no one answering the phone. On several occasion 's i have been to the branch XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have been told different stories. XX/XX/XXXX, XXXX i got an email to say my account has been reactivated with the balance shown and i should fund the account to avoid closure. Within the hour another email to say the account is closed and by balance would be sent to me in a Cheque. XX/XX/XXXX, XXXX i went into the branch to inquire why i have not gotten my money and a proper explanation as to why my account was frozen and XXXX communication over the years and the staff XXXX XXXX XXXX to make a report as she was told over the phone by the banking service and for whatever reason her computer stopped working and had to get the branch XXXX XXXX XXXX who told me to expect my check in the mail and oddly offered to shred the account documents i had with me. I refused and told her i will do so when i get my account balance. XXXX is XX/XX/XXXX not a phone call, not a check.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX XXXXXXXX I was advised by my mortgage company that my monthly payment would be increasing by {$650.00} per month due to escrow shortage. After researching my taxes and insurance which did increase but only increased {$1100.00} from the year of XXXX to XXXX. After contacting PNC and questioning the drastic increase, PNC stated that there has been a mistake and an inquiry would be opened. As of today 's date, I have made the additional {$650.00} monthly increase with no outcome on rectifying the mistake on PNC 's part. PNC has admitted on several occasions during recorded phone calls that a mistake has been made on their end and still no resolve has happened. An additional monthly increase this drastic has seriously impacted my home life and other utilities are having to be paid late due to the increase.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, a check that had been stolen from the mail was washed, altered and deposited. XXXX XXXX XXXX was the depositing bank, PNC ( my bank ) was the paying bank. The check was originally made out for {$670.00} and the altered amount was for {$9700.00}. I reported the problem to PNC on XX/XX/XXXX. An affidavit was completed and notarized at PNC. The form was sent to their XXXX Department. The XXXX reference number is XXXX. I received 2 calls from XXXX XXXX XXXXXXXX, XX/XX/XXXX and XX/XX/XXXX, to confirm that this check was fraudulent. As of today, XX/XX/XXXX, PNC has not notified me of any action taken or resolution. I have called the XXXX department phone number, XXXX, at least 4 times with no return call. Their message says they will return the call within 2 business days. I soke with XXXX in the retail customer support on XX/XX/XXXX. He told me that the investigation is still ongoing and could take up to 90 days. I call him again today with no return call. we are now over 90 days and there has been no resolution. After I reported this, 3 more checks hit my account but I reported it to PNC the same day and they where able to spot payment on those. I don't know who to ask or how to get help on this matter. Please advise. Thank you,
Company Response:
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I own an office building and had it rented. I deposited 3 rent checks of {$5100.00} on XX/XX/XXXX. On XX/XX/XXXX, all 3 checks bounced my account due to NSF. Thursday of last week, XX/XX/XXXX, I noticed that PNC was freezing my available balance and taking out {$5100.00}. I've not deposited any rent checks since XX/XX/XXXX when all 3 were NSF. Please see 14 pages showing my bank history since XX/XX/XXXX to current showing above statements to be true. I've spoken to the local branch manager, XXXX, and called their service #, yet, I'm told that they can do this. I believe if they are doing this, their bank must need strong audits because they sure have taken it from my account in XXXX XXXX, XXXX and now in XX/XX/XXXX taking it again. Thank you, XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A