Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Pnc is blatantly breaking the law. They incorrectly charged my account overdraft fees, then sent them to collections. These were disputed off as they were illegal. Pnc then recieved a payment to the closed account, and is holding the whole thing XXXX if {$300.00}. Pnc, specifically XXXX, refuses to speak to me over preferred methods. They are in blatant violation of the law.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Someone has all my information my social security number. My emails and passwords And my checking account information. There has been money withdrawn. And loans taken out in my name that I never authorized. And emails sent from my email. Ive also had quite a few reversals in my account that I would never dispute because theyre necessary. I contacted my bank and they froze my account. I had to get a new bank now. But idk what is going on. Its hurting my credit tho and money is tied up. Idk how this happened
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear CFPB officer, My mortgage got transferred on XX/XX/2022 to PNC Mortgage from XXXX. The new mortgage servicer PNC notified me via mail around late XXXX that I need to have XXXX insurance, which I bought it from XXXX ( $ XXXX ) upon receiving the notice. As expected, the insurance effective date was set to XX/XX/2022 by the insurance company. However, PNC then sent me another mail which I received on XX/XX/2022 telling me PNC will charge me {$90.00} to cover the gap between XX/XX/2022 - XX/XX/2022. There's no issues/damages to my condo ( it is still a quite new building ). How come PNC wants to charge me for insurance to cover a period IN THE PAST, when there's no issues/damages? Also the gap is completely caused by the delay of PNC informing me about the insurance requirements. I have since called PNC Mortgage trying to remove this {$90.00} charge but was told that they still want to charge me the {$90.00} for the gap, which to me is just another example that banks getting creative to charge outrageous fees to their customers. Would greatly appreciate your help to push PNC for a reasonable resolution. Thank you, XXXX
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is an incorrect late payment on my account. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Please see the attached docs in which I provide the letter sent to PNC and proof of payment.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This is a business account for XXXX XXXX XXXX at PNC Bank. I had a wire come in to this business account for {$85000.00} on XX/XX/2022 from XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX. This was payment for services rendered. Because I had fronted monies for this service from a personal bank account, I needed to withdraw this money from my business account at PNC Bank to my personal account at XXXX XXXX XXXX On XX/XX/2022 I tried to wire this money to my personal account at XXXXXXXX XXXX XXXX The transfer was denied from PNC Bank because it was money going from my business account to a personal account. They did not like this because it had been an international wire. On XX/XX/2022 I was interrogated by the person " investigating '' the event, the Branch Manager and the Business Manager. I was told I HAD to tell them every detail of this transaction as the bank had a " right to know ''. It was an interrogation which all three of them asking questions fast and furiously. The service rendered was the planning and supply of chicken wings from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details should not have been in question, but they were relentless. I was told that it could take up to XXXX weeks for the investigation. I had a medical emergency two weeks later which I informed PNC Bank because I needed access to that money. I was told that the decision had been made to close the account and to reject the wire due to the bank not being able to confirm the wire (? ). The wire was to have been rejected on XX/XX/2022 and I was to reach out to my client so he could send me the money again to another bank outside PNC Bank. My client had not received the wire as on XX/XX/2022 and neither had his bank. I was very concerned as to why. I reached back to PNC Bank and was contacted by XXXX from their XXXX customer service and was told that " No, the account was not closed, but sill on hold and the wire had not been rejected back to the bank where it came from yet ''? She had no idea as to when it would be sent back and that these things take time.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: we wrote a check for our real estate taxes, it was stolen out of the post office mail box, the payee and amount of check was changed.The check was cashed via mobile deposit at XXXX XXXX XXXX. On XX/XX/22 we signed an affidavit as to our claim with our bank PNC. Today is XX/XX/22 and we have no resolution or answer. This check was fraudulently made out to the amount of {$7800.00} and cashed! Some of the responses from PNC are as follows " keep checking your account to see if the money has been replaced '', '' your complaint has been escalated '' and " let me look into this and i'll get back to you ''. It's all a lot of stalling and XXXX when do I get the money that was stolen back? I have a XXXX filled with the names of people I have spoken with still no result!
Company Response:
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On or about XX/XX/XXXX, we requested a continuance on our forebearance mortgage with PNC Bank, as entitled by the provisions of the CARES Act. We submitted financial statements, assets, monthly living expenses, tax liabilities, profits and losses and other financial information. Every possible data was provided without any hesitation. However, once we submitted all the data, they closed the request stating they needed a profit/loss from my current employer. Why would I garner losses on my W2? It makes no sense. In fact, all these information were part of the submission. In accordance with the CARES Act when a borrow request a forebearance should be granted without questions and delays. In this case, we went through stressful and difficult times trying to state our urgency to have an extension of the forebearance. We don't want to renege on our financial obligations. We simply want an assistance to help us while we structure our finances. Our goal is to be solvent in the 1st quarter of XXXX.
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was called today by what I believed was my power company. XXXX XXXX XXXX. They told me that my bill had not been paid and the the electricity would be shut off in 30 mins. This is a new account and electricity company to me so I believed something had gone wrong with my payment. So I became panicked. The temperature was freezing out and I was worried that my power would be shut off. I was promised it was the power company and they would help me. He advised me on how to make the payment. He said to go to my bank and make a XXXX payment be because and credit or debit card would not work. He said send {$290.00} to XXXX XXXX XXXXr and gave me the phone number to send it too. So I did. He then told me that the payment did not go through and to try again. So I did. He then also told me I have a security deposit that was due. And to make a payment of {$200.00}. I said I had never got a bill but he said that was a company error. Unfortunately I believed this scammer and now I have lost over {$490.00} to scammer. I feel as though I should have been better protected by the financial institution of PNC and XXXX XXXX XXXX. I had never heard of XXXX. So I didnt know it was so easy for a scammer to access the money. Please help me. It is right before XXXX and now Ive lost all my XXXX money for my kids.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: End of XXXX of XXXX I went to my bank PNC in XXXX PA. I told them that I was going to be late on my next payment due XX/XX/XXXX. They asked if I ever filed for hardship I said no. He went to look at my account. I had been paying double on my account for years and this was my first late payment. He came back and. Said you dont owe anything youre all paid up. I said are you sure he said yes if you are concerned call us a few days before your due date and check again. I called before my due date and he said yes it says you havent owed a payment for sometime now. So I didnt pay another payment. I started working again and was so busy I never thought to call about the mortgage release. But I didnt pay another payment. I never heard from them again until mid XXXX and they were very quiet. They said your balloon is 90 days past due and I said my mortgage is paid off you told me it was paid off its over 5 years later and I havent made a payment why would you wait this long to call if I owed you anything? I told them to send the papers to Texas where is was currently working. And I waited. They never sent me anything but during that call they asked me when I would be returning home to PA and I told them by the first quarter. Next thing I get is a picture from my friend down the street of my house with a for sale sign in front. I checked the courts in XX/XX/XXXX and they foreclosed on my home while I was away. Thats why they asked how long Id be gone. They stole my house from me with almost 50 years of my belongings inside they didnt even secure my belongings. They told me they threw them all away. They never served me or posted anything on the door, as I had someone going by. They had been sending me XXXX balance statements for those five years. I have not been able to get an attorney to return my calls. Its been a long time that I have been displaced and mourning this entire gut wrenching experience. The contents of my life have been thrown away. Even on the court docs it is obvious that I wasnt served. They didnt even talk to me about it. If I had known how much it was that I owed i could have paid it but they didnt give me that option. I dont know what to do or how to get anyone to help me.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Good morning, I used PNC bank atm @ XXXX XX/XX/2022 to deposit {$500.00} cash onto my XXXX account. I received a receipt with the amount of funds that was deposited along with my account/card number. I checked my online XXXX account to secure my deposit, there was no money transfer. I waited to give the transfer some time to load nothing showed. I spoke with the bank teller, they told me dispute the transaction with XXXX, its nothing we can do on our end due to the transaction was made on a outside ATM. I called XXXX, they also stated there is no money deposit heading to your account, you will have to make a dispute with the bank that you deposit the money with, we can not help you.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A