Date Received: 2023-02-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I attempted to make a payment to PNC through my checking account ( XXXX XXXX XXXX ). PNC did not document the payment until XX/XX/XXXX and sent me a letter reporting they were crediting the payment because they did not have a routing number from my bank. The check came from my bank, as I utilized on-line banking. This has been an on going issue with PNC. When I paid my bills through XXXX XXXX they kept returning the payments. This appears to be a scam to rack up late fees and keep me indebted to them. I appreciate any assistance you can offer.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: This is the second complaint for a previous complaint that has not been resolved by PNC Bank. Originally filed on XX/XX/22 for an illegal bank issue that occurred on XX/XX/22 and was brought to PNCs attention on XX/XX/XXXX and assigned a case # by PNC on XX/XX/22 for fraud. CFPB complaint # XXXX was NEVER resolved by PNC and for them to say otherwise is a false statement. On XX/XX/22 an employee of PNC ( XXXX NJ ) abetted in an unlawful act with their nefarious client by allowing a check in the amount of {$13000.00} made payable to The ESTATE OF XXXX XXXX to be expropriated into THEIR clients PERSONAL ACCOUNT. What makes this more egregious, is facts and red flags that should have legally safeguard this estate check. First, the check is clearly made out to only the estate of XXXX XXXX BUT the check ( on the back ) is signed by the deceased. Second, it is endorsed by their nefarious client and deposited into their PNC checking account. Third, Im sure this check was held until it cleared through PNCs safeguards for fraudulent activity, yet it cleared into their clients account via a criminal act. Lastly, PNC admitted to me on a phone conversation ( which according to them is a recorded line & I recorded as well ) that a fraudulent act did occur but is under investigation. They refused to return the money that was stolen by their client, which was abetted by their employee and states the responsibility lies with the issuing company, XXXX XXXX. I was on a 3Way call with PNC, XXXX and myself when PNC told XXXX it is policy and banking protocol that XXXX bank file for fraud due to funds not being received by the estate. XXXX contacted their bank, Bank XXXX XXXX, and they said that there are banking policies and governing laws that ALL banks must follow and yes, the two banks would work together to ensure the check is INTERCEPTED and funds returned to the proper and legal parties BUT when PNC ALLOWED the check in question to be ILLEGALLY DEPOSITED into THEIR bank by an UNAUTHORIZED party- ALL LIABILITY FALLS ON PNC XXXX. At this point XXXX XXXX XXXX and XXXX will not entertain PNCs tactics to avoid responsibility for their role they have played in allowing a criminal act to continue without any accountability on their part involving their employee or the criminal themself. My XXXX XXXX is the victim and her estate is not able to move forward without PNC stepping up and acknowledging the clear FACTS that their employee, either unlawful or recklessly, allowed a thief to steal {$13000.00} from an estate and when the funds are rightfully returned to the estate, PNC can legally go after XXXX XXXX for stealing {$13000.00} from PNC bank.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Firstly, I never signed up for an account with PNC Bank. I signed up for an account with Simple Bank, which was bought out by BBVA, which was bought out by PNC. When Simple was closing down, their bugged app and website made it impossible to close my account before the BBVA transfer went through. My ( many ) attempts to cancel the account with BBVA were not successful before PNC then took them over. I was given an account with PNC that I never signed up for and did not want. It was extremely difficult to get the account closed, and took multiple phone calls to even figure out the status of my account. It had been marked as 'inactive ', it was explained to me, and therefore I needed to activate it again and wait for a while and then call them *again* to close it. I did this, and was told that the remaining funds in my account would be sent to me in five business days. I received the confirmation of the account closure on XX/XX/XXXXXXXX I still have seen no sign whatsoever of my money as I write this on XX/XX/XXXX. As to how PNC has handled that - I'm once again back on hold, and I've been on hold for so long that I've written and submitted this complaint while waiting for a representative to get back on the line. Hours have passed. The hold music eventually slowly and sadly died out, and now I'm holding in silence. Lol. I also repeatedly had to give this institution I never chose to open an account with my SSN so that I could even hear what was going on with the money I never chose to hand them. It seems unacceptable that an account I never wanted was opened in my name and now I'm spending hours over the course of months just trying to detangle myself from this mess and get my own money back. Every step of this has been absurdly difficult and tedious and what they have is my emergency fund, so I hope no emergencies come my way any time soon.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/ 2022, my wife went to PNC bank for an international wire transfer of {$1500.00}. The bank office made a mistake, and the wire transfer was done twice ( {$1500.00} plus {$1500.00} ) without my authorization ( I have a copy of the signed paper from the bank for one wire transfer only ). The bank did not inform me of the mistake, and i found out about that only when i checked my bank account on-line few days later. As of today, after almost 3 months approx. the bank has not returned the money yet ( 2nd wire transfer of {$1500.00} sent out as bank mistake ). Every time I call the bank both : subsidiary and head office ; they have plenty of excuse and I am very frustrated because they do not want to take the responsibility of their mistakes. I need your help and support to make pressure to PNC Bank returning my money in my account. More than happy to hold a conversation with your representative.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX PNC closed my account without notification for a stop payment that was made on an account I was power of attorney on and the stop payment was not in any way fraud and this was also from XX/XX/XXXX and on the day they decided to close my account without any notification I was receiving a very important deposit for {$1400.00} which as of today XX/XX/XXXX the payment is still saying paid to the account that is closed, PNC as stated the payment was rejected but the funds are still showing paid.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost my job due to health issues and my sister who is a contributor was on disability. My father who is a contributor also left his job due to health reasons and the mortgage never offered to help me when I asked. Its always a process. I filled out for a hardship package and sent everything in they needed but still said I needed more so I was denied. This isnt ok. I was taken advantage of as a first time home buyer. Please help.
Company Response:
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Pnc banking the statement XXXX amount for XX/XX/2023 I made a payment on the XX/XX/2023 XX/XX/2023 they charged me a late on the account
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I suspect that PNC is purposely trying to prevent me from making payments or arrangements to bring my mortgage loan current because I have significant equity in my home and PNC would like to foreclose. My loan was in Loss Mitigation ( LM ) with PNC following my submission of a Hardship Assistance Application on XX/XX/XXXX. For over a month, I submitted documents and followed up. PNC replied stating that only " Non Borrower Paystubs '' were missing for my husband ( though I had submitted them with my initial application ). I timely submitted his most recent check stubs on XX/XX/XXXX and asked PNC to confirm the sufficiency of the submission in my email. I called PNC on on XX/XX/XXXX to confirm receipt and they were in. I also received a written acknowledgment of receipt from PNC that same day. It stated : " Please allow 1-5 business days to complete the review of the most recently submitted documents to determine if anything additional is needed. '' That would have been XX/XX/XXXX. I heard nothing from PNC and received no response to my request to confirm the sufficiency of my documents. On XX/XX/XXXX, I sent a notification to PNC that my state 's local agency for federal Homeowners Assistance Fund grant dollars would be contacting them about an application that I have pending. PNC has known for months that I have been seeking grant assistance contemporaneously with efforts to resolve the debt with PNC. I sent the latest email because I had reached the point where the agency would need to reach out to PNC and receive a timely response in order to continue processing my application. Inexplicably, PNC responded the very next day by kicking me out of Loss Mitigation, stating : " Thank you for your email. As of XX/XX/XXXX, your file was removed from Loss Mitigation due to an incomplete Hardship Assistance Application. At this time, your loan no longer requires a single point of contact. Keep in mind, the HAF process can take up to 45 days or more to complete. Our HAF Department will handle any requests from your state and will work them in order. They are working as diligently as possible to get through the backlog of requests. You would need to follow up with your state directly for the status of your claim. '' This was a pretext, as there was NOTHING INCOMPLETE in my file. I followed up diligently using all reasonable efforts and the only thing PNC responded that it needed were check stubs for my husband -- who is not even a borrower -- and I sent them. I think the law requires PNC to present me with LM option ( XXXX ) if my Hardship Application is complete. I pursued LM and HAF options at the same time, in case HAF did not work out. If my loan is not in LM, PNC can begin the foreclosure process and have it underway as PNC also slows around with my HAF application. All without ever even providing me with any LM options! My understanding is that mortgage lenders can not refuse to process a Hardship Application based upon disingenuous claims that the application is incomplete. It appears as if PNC kicked me out of LM immediately after I sent the message regarding HAF, in an attempt to hurry up and foreclose before my HAF process is complete, because I have significant equity in my home. This type of " gotcha '' is a bad consumer practice that is not truly designed to mitigate home loss or assist borrowers experiencing a hardship. Please take note of the following timeline of facts and emails : PNC reviewed my initial application and assigned me a single point of contact in the LM department. XX/XX/XXXX : the contact sent me a checklist of additional items. XX/XX/XXXX : I submitted the last of the items. XX/XX/XXXX : PNC confirmed receipt. I then called several times and could never reach my single point of contact ( POC ) again. I was forced to press " 0 '' and speak with other agents for information. My XXXX also stopped emailing me. Each email response came from another agent. Through all of this, no one provided me with information about missing items, and PNC never emailed me expressing a need for additional documents. The redacted messages below are from emails I have as proof of my own followup and my strenuous attempts to complete my file when PNC went silent after XX/XX/XXXX. FROM ME : Sent : Wednesday, XX/XX/XXXX XXXX XXXX Please let me know the current status of my Loss Mitigation file and options available to me. Thank you. FROM PNC : Sent : Thu, XXXX XX/XX/XXXX XXXX XXXX Thank you for your email. The account is active in Loss Mitigation at this time, it does appear we do need a Non Borrower Paystubs which is due on or before XX/XX/XXXX. Unfortunately, we arent able to advise you at this time of what option you will be approved for but we do have 5 available options within the Loss Mitigation Department 3 retention and 2 liquidation which consist of Repayment Plan, Forbearance Plan, Modification of the loan, Short sale, and or Deed in Lieu of Foreclosure. The file is review for all available options. FROM ME : Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX Here is a full month of my husband 's most recent pay stubs. Please confirm that these are sufficient. Thanks! FROM PNC : Sent : XX/XX/XXXX XXXXXXXX XXXX We are in receipt of your email and attachments. The attachments have been uploaded to the account. Please allow 1-5 business days to complete the review of the most recently submitted documents to determine if anything additional is needed. We do recommend periodically calling to check the status of your account and ensure all documents submitted have been accepted, and nothing further is needed. The correspondence above confirms that I addressed the only deficiency in my file made known to me by PNC. Yet, PNC closed my Loss Mitigation file claiming an incomplete application. I submitted documents and PNC asked that I allow Loss Mitigation 1-5 business days from XX/XX/XXXX to " complete the review of the most recently submitted documents to determine if anything additional is needed. '' PNC recommended that I then " periodically call to check the status. '' When was that supposed to occur? Five business days ended on XX/XX/XXXX, PNC did not notify me of any missing items and then kicked me out the next day, but only after learning that my HAF application had progressed. Whatever happened to the POC assigned to me, and what did she do to assist? I should not be deprived of LM options because PNC ' s own employees failed to review or process my file and provide adequate follow-up, or because PNC finds it more beneficial to try and foreclose on my home, rather than offer me options. Please help. I want to keep my home. Thanks you for checking into this matter.
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I received a credit for XXXX showed pending but I thought it to be a part of my balance. Pnc Bank charged me a overdraft fee of XXXX. The XXXX is still pending till XX/XX/23. this was a debit transaction. It seems like a way to charge fees. They will not refund me and are horrid about returning calls from a supervisor in a timely manner. My complaint is they are holding credits to incur a overdraft.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A