Date Received: 2023-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I tried to place an order on XX/XX/2023 ; the merchant charged me a higher amount than what was initially on the purchase screen. As soon as I seen this I reached out to the merchant to make sure to cancel the transaction by email and on the website. I received no response from the merchant I then reached out to my bank and explained the situation. I was assured that once the item was no longer in pending status that the dispute could be done and my account credited. Once that happened I was then told a provisional credit would not be given ; after I was assured it would be done. I explained I had proof I tried to resolve the matter with the merchant and can not get a response. I was then told if I went into the branch and that I could show them my evidence and the matter be fixed. I went to the branch an no success ; I told them I am in a emergency situation ; I am on XXXX and I have a medication I need and my insurance wont cover it and thats why I was trying to get the matter resolved by today. I was told it would be 90 days before the investigation was complete ; I dont have the product ; I did not authorize the {$86.00}, I was turned away with no resolve. Please help.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: I have 3 mortgage loans being serviced with PNC Mortgage. I also believe I have an impeccable payment history thru the 17 years these loans have been in servicing. For some reason, in XX/XX/XXXX, the payments of each of these mortgages were not credited to the account until XX/XX/XXXX, 1 day past the grace period allowed before a late fee is assessed. The payments were sent electronically on the XXXX to the bank, before the expiration of the grace period. I asked the bank to review and consider crediting the late fees, which total over {$200.00} between the 3 loans. But the representative indicated she could not waive them because ( 1 ) she could not verify they were electronically sent on the XXXX, and ( 2 ) they had previously waived a late fee for in XXXX of XXXX. ( almost 13 years ago ). What bothers me is the fact I know the payments were made thru their electronic servicing system on XX/XX/XXXX and they were unflexible in taking action to recognize it and accept the payments without penalty.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Has not credited {$36000.00} to my account as funds available after more than 15 days - Evasiveness, nonresponse, causing harm, emotional, physical, 2 weeks after proving that my Federal Society Security Checks were valid with 5 letters from SSA SSDI Deposited {$36000.00} on the XX/XX/2023 To date, I do not have access to my funds past the 14 day maximum that a bank can hold funds by Federal Law. Discriminatory practices against a XXXX person under ADA Act of 1964 Predatory behavior to vulnerable persons at risk Denial of temporary loans untill unfair leading practices and discrimination against poor and XXXX persons. Female teller who received my deposit created an atmosphere of abuse, making me feel bad for trying to get access to my own money. Horrible horrible behavior from the PNC Bank of XXXX, and XXXX, Florida, the Bank that " Cares ''. Good Marketing, what a lie. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: PNC Bank acquired accounts from BBVA. Since then, there have been persistent issues with the payment structure that were not consistent with the terms set by BBVA. Despite assurances from the bank that the matter would be addressed and rectified, there has been no substantial progress or resolution. I have reached out to your customer service team on multiple occasions, and while they have acknowledged the error and expressed PNC Bank 's liability, the issue remains unresolved. The lack of action has caused significant inconvenience and frustration on my end. I understand that errors can occur during the transition of accounts, and I appreciate your efforts to address them. However, the prolonged duration of this issue has led to financial stress and a negative impact on my credit profile. As a loyal customer, I have always valued the relationship with PNC Bank and its commitment to customer satisfaction. Therefore, I kindly request a goodwill adjustment to rectify the negative impact on my credit due to the ongoing payment structure issues. PNC BANK XXXX
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing to Complain the misleading and responsibilities of the PNC Bank. First of all, the Bank misled me to use two accounts for my business credit card and answer my inquiry that the two are for the same account. So I have only paid attention to one of the accounts with all my transactions and the successful receiving of the monthly autopay, but without showing me the late pay charge on this account. They only show it in another account and the bank statement which is sent later. As I have already seen my online account that the auto pay is received so I feel safe that I havent checked other records It also misled me to set up the auto pay at the due date of the statement and charge me the late fee just one day after the bank received my auto pay. Why charged me a late charge after receiving my auto pay? Why no late charge for the first two months as I have set up the auto pay date since my card was issued? I was confirmed by not only one staff member a few times total after I called a number of times that the auto pay date set up is correct and they even confirmed to me that there is no more late charge and will refund me one months late charge, but then they charge late fee again and charged me 4 months of late charge in total .They even denied that they have any of that kind of conversation record. The bank even does not accept any written complaint by mail or email The Bank refused to be held responsible for the above few deception and fake confirmation that they have made and refused to refund customers after a long time of complaints and negotiation.
Company Response:
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I signed a loan modification in XX/XX/ on a home equity loan I had had for almost 20 years. In late XXXX of XXXX my loan payment was withdrawn but lost in a direct debit error at PNC Bank. I provided proof of transfer from my primary bank account at XXXX XXXX for {$1700.00}, my regular monthly payment. It took 6 weeks for PNC Bank to track the missing payment. Meanwhile while still searching my account became delinquent. At 31 days delinquent on XX/XX/2023, I was sent to preforeclosure. When I addressed this issue with XXXX from PNC Loss Mitigation he knew nothing about the missing payment, or that my loan was even restructured. He requested the full amount past due on the previous loan {$12000.00}. This is why the loan was restructured- A higher monthly payment for two years. When I contacted the monthly servicer of my loan, XXXX. the one who lost the payment ( XXXX XXXX ) she knew nothing about the foreclosure. I also was not getting a financial statement each month on this new account. The error by PNC Bank and their subsequent woeful unfamiliarity with my loan is astounding. The incompetence of the loan servicer who lost the payment and XXXX from lost mitigations and bold disregard for my concerns and the history of this loan is reprehensible. If I had just been allowed to pay the new monthly payment with any delinquencies the cost would have been a fifth of the demand amount loss mitigation required. My attorney is in the process of preparing a lawsuit against PNC Bank and their loss mitigation department. Lastly, when PNC Bank 's internal affairs division contacted me, the representative from that department was told by XXXX from loss mitigation to and I quote, " to stay out of it! '' Please address this complaint as they are two weeks from filing a foreclosure proceeding on my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My father issued me a check from his PNC bank account, I attempted to deposit the check to my PNC bank account and PNC bank put a stop payment on the check assuming the signature did not match the signature they had on file for my father. However, my father confirmed that he was the party to sign the check when he went into the branch. PNC then advised my father to withdraw the funds and deposit the cash into my checking account. The funds were deposited into my checking account. PNC then went ahead and closed my account and froze my funds in my account leaving me with no access to any of my funds.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: The company not responsive to my concerns. See response attached hereto for complete details.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: XXXX XXXX protects the right to possess a firearm unrelated to militia service and use it lawfully for selfdefense. Fibrillation impacts XXXX XXXX Americans and potentially XXXX XXXX by XXXX.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX has furnished inaccurate information on my credit report. The alleged debt is charged off and PNC never sent me my XXXX form. below attached is the proof of inaccurate information reporting on my account. They are also in violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A