Date Received: 2023-02-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC advertised a XXXX % interest rate savings account, which can only be opened online. I opened a savings account expecting to get the XXXX % interest rate. The online information does not state the interest rate. After XXXX month, I saw that the interest applied was XXXX %. I called PNC and they said that I do not qualify for the XXXX % rate. But there was no transparency as to how to qualify or whether I qualified. XXXX reason PNC stated for not qualifying is that I live in XXXX. But when I enter my zip code in the PNC website, the same offer appears.
Company Response:
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The people that work at the PNC branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Arizona are former BBVA Compass employees, and they are wonderful. But since PNC Bank bought BBVA Compass, it has become a PREDATORY LENDER. HISTORY : On the last day of XX/XX/XXXX, I went in here to make a principal payment of {$500.00}. It was misapplied. On the last day of XX/XX/XXXX, I went in to speak with the branch manager to get the mistakes corrected from XXXX principal payment and make another principal payment of {$500.00}. It was misapplied. I called them and have spoken with multiple people from their executive offices. They have called me with assurances. I have been back and forth multiple times with them on XXXX. Trusting what they said, I made a {$1000.00} principal payment on XX/XX/XXXX. I checked today. HERE IS MY STATEMENT which I just reviewed. ALL OF MY PRINCIPAL PAYMENTS ARE STILL MISAPPLIED. PNC is RIPPING ME OFF and I want them sanctioned and fined. Others should be warned. Also, I reconcile my account monthly in XXXX and their statements do NOT show all of the charges because my account is more than {$30.00} off. What else are they charging me? SOMETHING STINKS.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home was damaged by XXXX XXXX on XX/XX/2022. During and XXXX months before XXXX I was unemployed. Even when unemployed I was making my mortgage payments. This XXXX and being unemployed devastated me financially. I applied for XXXX months mortgage payment relief from my mortgage lender PNC bank. I was denied. They said they will foreclose on my house if I don't make the XXXX months back payment. the estimated price to due my home repairs from the disaster is {$XXXX}. I had to make the difficult decision on using my insurance money meant to do repairs to my home to pay the mortgage so I won't lose my home. I spoke and provided all documents asked of me to PNC bank and they did not help me at all for the XXXX months relief. Even when making the payment with the insurance money they dropped my credit XXXX points.
Company Response:
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On Sunday, XX/XX/XXXX, I mailed a check in the amount of {$3900.00} as a payment for my local taxes. I included a Parcel Number on the check. Since it was Sunday I mailed it in the blue box outside the XXXX XXXX, PA post office. On XX/XX/XXXX, XXXX I received a letter from the XXXX XXXX. Tax collector, XXXX XXXX, informing me that my taxes had not been paid and I now owed the taxes and {$450.00} in penalties. I looked online at my checks and found that the PNC check XXXX had been altered, made payable to one " XXXX XXXX ' '' It was an obvious forgery. PNC cashed the check. On XX/XX/XXXX I visited the XXXX XXXX branch of PNC bank at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone XXXX. Two of the bank employees took my information, made copies of my duplicate check and the forged check and assured me that money would be returned to me at some point in the future and that I would be informed regularly as to the progress of the " investigation. I do not know why I would be part of any " investigation. '' PNC took my money and gave it to a thief. I never heard anything from PNC. I called the Fraud Dept. in XXXX and they had nothing to report. On XX/XX/XXXX I visited the branch and they verified that nothing had been done so far. {$3900.00} is a lot of money and with the penalties I had to pay {$4400.00}. I have had to struggle over the last two months to pay my bill. I am not rich. I am a XXXX XXXX XXXX. PNC did not take care of my money. If PNC has to investigate their own ineptness ( a good idea ) they should do it on their own time. I think it is another crime for PNC to keep my money and give it back to me when they feel like it. They have plenty of money right now and I want my money right now.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I ordered a home bar from an online store that I found online called XXXX. I made an initial deposit of {$530.00}, with the remaining balance being paid upon completion and prior to shipping. I was given a delivery timeframe of XXXX to XXXX weeks. On XX/XX/XXXX I sent XXXX XXXX ( the owner ) an email asking for an update since this day marked XXXX weeks since I made my initial deposit. On XX/XX/XXXX I received a reply and was just told that it was still being worked on, nothing further. On XX/XX/XXXX, nearly XXXX weeks since I gave my initial deposit, I receive an email stating that sales would send over an invoice for the balance and that would carry me over to shipping. I went ahead and made the balance payment of {$530.00} on XX/XX/XXXX. I then ask if the bar had been painted the colors I had asked for, XXXX and XXXX and was told that I would need to make an additional payment of {$250.00} because the paint was not included in the price. I ended up making the additional {$250.00} payment on XX/XX/XXXX just because I didnt want to go back and forth at this point. I finally received the bar on XX/XX/XXXX, XXXX weeks after my initial deposit. On XX/XX/XXXX I email the owner asking for instructions, so that I could begin putting the bar together, since none was included, and to advise him that I did not receive an LED light kit that was suppose to be included in the shipment. I receive a reply on XX/XX/XXXX saying that he would upload the instructions to his website and that he would ship out the LED light kit. I went onto his website, XXXX XXXX, in an attempt to retrieve the instructions and to my surprise, the website was no longer active. On XX/XX/XXXX I send him another email asking if he uploaded the instructions and asked if he had changed his website. I dont hear back from him until XX/XX/XXXX and his reply was that he was sorry and that he had attached the instructions. No mention of the website being down. Later that day, I began putting the bar together and immediately noticed the bar had lots of damage, the wood used was very cheap and the wood parts were all chipped, warped and pieces were already coming apart. The bar could barely stand still without wobbling due to the bad craftsmanship and cheap materials that were used. I became very upset, due to the fact that I paid nearly {$1500.00} and had to wait nearly XXXX months for this bar and for it to be this bad. I sent XXXX and email describing all of the issues going on, I even included pictures and video as proof. His reply was, lets dive into it next week and see what we can do. Out of curiosity, I began doing some research on his website, XXXX and came across the XXXX XXXX XXXX website, were this man has over XXXX complaints regarding issues very similar to mine. Thats when someone on the site mentioned that he had changed his website and that it is now called, XXXX. This made me even more upset, the fact that this man just has to change his website and can continue to scam people from their hard earned money. Monday evening, XX/XX/XXXX, I sent him another email asking what was going on, since I Had not heard back from him. I advised him that I would like to return the bar back to him and that I would just like a refund. Here we are, XX/XX/XXXX and I have yet to hear anything back from him, nor have I received the LED light kit that I purchased. I am stuck with a bar that is not functional and is nothing more then a pile of cheap wood. I filed a dispute with my bank and provided them with all of this information plus pictures and receipts and my dispute was denied. I dont understand how that is possible when this person I purchased from, is clearly ripping people off.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 Went to PNC Bank to withdraw funds from their ATM. I requested the XXXX inside give me larger bills than the {$20.00} bills I withdrew. I stood in line for several minutes while the one XXXX who finally waited on me, in spite of not having any Customers when I walked up to the counter. Even with that, she made me wait an unreasonable amount of time to be helped, asking for my debit card just to exchange the funds. I had just withdrawn money from the ATM machine in the building. I had my receipt in hand and yet she insisted on seeing my debit card. Even though she asked for my debit card, she did not ask for my driver 's license or ID. After giving her my debit card, she stayed in my account on the computer screen for at least XXXX minutes. There was no reason for this employee to be in my account looking around just to make an even money transaction. I asked her what she was looking for and she did not answer. Verification of an account does not take that long. With that, she proceeded to give me {$10.00} bills when I specifically asked her to for larger bills. As a result of this employee giving me so may small bills, I accidentally overpaid the workers I needed to pay. Had she given me 4 {$50.00} bills like I asked her to ; the chances of that error would have been greatly reduced. I was very uncomfortable with this employee accessing my account for that long since my Social Security number is so readily available in my account. In addition to this action, this bank always wants to access my account even if I walk in for something as minor as a checkbook register. I have gone to other banks for a check register, and they hand them out without question. PNC bank always want to upsell you on a credit card or some other promotional item.be hassled and have to sit in a banker 's office while they go into your account just to obtain a " free '' check register. Additionally, my, mailbox has constantly been overrun with offers for a credit card since the day I opened my account. In addition to that, last week I received one of many unsolicited calls from a banker at my local branch. He said it was not important on voicemail. I did not return the call because I knew it was just another sales pitch. I have never done business with a bank of this low caliber, and I will be researching to find another due to the unusual practices of PNC Bank.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank advertises the ability to convert your HELOC to a fixed rate product on demand with a {$100.00} fee. What they fail to disclose is that at the time of conversion to the fixed rate product, they will 1 ) prorate interest on both sides ( variable and fixed ) according to the days in the month, which makes sense, and 2 ) collect full principle payments in the month of conversion. In practicality, on a variable rate HELOC, my monthly payment was {$3000.00}. On a fixed rate HELOC, it was reduced to roughly {$2600.00}. During the month of conversion from variable to fixed rate, my minimum payment due jumped to {$4700.00}. I have escalated this with PNC Bank several times, including claims that both this is a predatory practice, as well as that collecting double principle in the month of rate conversion is not mathematically correct. After 5-7 days, I received a voicemail from a supervisor stating the payment is correct and to please contact the call center for questions ( they haven't been able to help... ).
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and XXXX XXXX.
Company Response:
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 money was stolen out of my account in the amount of {$380.00} through XXXX I contacted my bank PNC to complain about this stolen money and they refused to reimburse me my money accusing me of authorizing the transaction. When clearly I have no connections to the alleged recipients of the funds. I want my money back!!! I filed XXXX complaints and they still refuses to reimburse me my money
Company Response:
State: WI
Zip: 53207
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I placed my credit card payments in deferment. When though I set up the deferment over the phone with an agent, my account still showed a delinquent causing me serious hardship. This issue has hindered me from providing housing for my family.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A