Date Received: 2022-12-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Mortgage has refused to acknowledge my payment history ( despite providing it to me ) ever since my loan was purchased by them ( effective ) on XX/XX/2022. My payment history clearly shows my account being ahead one full payment for the purposes of bi-weekly mortgage payments. I was assured on more than one occasion ( verifiable by more-than-one recorded phone conversation ) that brining my mortgage " current '' would trigger the bi-weekly mortgage payment drafts that I had enrolled in. This never happened. Despite their assurances ( and an apology from " XXXX '' ), I'm now being told I need to make an additional full payment in order to begin bi-weekly payments. Furthermore, on or around XX/XX/2022 PNC Mortgage/Bank drafted ( withheld ) one half loan payment from my personal checking account. I had not provided account information nor had I authorized or desired this draft, as it was not in line with my existing biweekly schedule. I have repeatedly requested information as to how the amount of a half-payment was drafted and PNC employees have repeatedly dodged the question and refused to provide an answer. My complaint was move to the executive level where " XXXX XXXX '' ( full last name intentionally withheld ) was supposed to review my complaint and payment history and contact me the week before XXXX 2022- It is now XX/XX/2022 and ( despite 2-3 attempts at speaking with " XXXX XXXX '' ) I have not been contacted and my calls have not been returned. PNC has evidently decided to ignore me.
Company Response:
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I attempted to deposit {$1300.00} into my XXXX account through an authorized Pnc atm. The machine took my money, then told me the transaction was not allowed. When I called the atm customer service, XXXX, the representative who answered the phone was rude and short.
Company Response:
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased flights from XXXX for {$660.00}. There was a service fee {$76.00}. The total purchase was for {$4800.00} and made with a single transaction. The refund was broken into multiple transactions leaving {$660.00} unreturned in addition to a {$76.00} transaction fee. I have spoken with my bank PNC located at XXXX XXXX XXXX, XXXX, XXXX XXXX in person with a banking representative. PNC refunded all but {$730.00} ( XXXX ) from the original purchase of {$4800.00}. PNC refuses to refund the remaining amount due back. PNC states monies can't be returned because we are outside the dispute windows. This is a contradiction since already refunding the majority of the original transaction. PNC has already refunded the majority of the original transaction providing proof a refund is due. PNC separated the transaction and refunded the majority of the transaction while refusing to refund the remaining {$730.00}. The transaction can't be outside the dispute windows and inside the dispute windows at the same time. Clearly the dispute was was within the dispute window or the refunds already processed would not have been valid. PNC clearly is contradicting their own policies and has lied verbally and in writing to me. Here are my terms : PNC will refund the remaining {$730.00} within 30 day to the account it originated from. If all of the funds are not retuned by XX/XX/XXXX, I will file XXXX XXXX PNC and will be asking for restitution for lost time, wages and counsel. Time lost will be billed at $ XXXX. XXXX hours spent to correct this error would be billed @ $ XXXX = {$6000.00}. PNC representative involved XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: OH
Zip: 43701
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Two unauthorized XXXX transaction/transfers were taken from our account in the amount of {$250.00} each on XX/XX/XXXX. Someone from XXXX marketplace offered to buy our XXXX that was posted for sale via XXXX. XXXX sent an email message acknowledging a deposit into our account and instead took unauthorized funds. The fact that PNC owns part of XXXX and PNC nor XXXX have responded to our complaints ( 2 to each ) nor offering any assistance in getting scammed money back. The company hast to know where the money went and they could get it back since it was an unauthorized in complete transaction. I now understand that this is a common practice. However, PNC markets this as the safest way to transfer money. Unacceptable. XXXX XXXX XXXX
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When I assumed my loan XXXX, my escrow payment including all insurance and taxes was {$330.00}. After receiving a one time real estate supplemental tax bill that PNC stated they would pay on my behalf in the amount of {$1100.00} my projected escrow payment increased to {$630.00}. This amount is erroneous because my annual taxes did not increase nor did my insurance to justify an increase of an estimated XXXX monthly. When I spoken to three customer services representatives ; they stated someone incorrectly entered my annual taxes to reflect {$7400.00} annually. My annual taxes are {$2000.00} and my insurance is approximately {$600.00}. They stated they was going to complete a second escrow analysis and correct the taxes on XX/XX/2022 ; after completion of the analysis the issue was still not fixed after sending them my real estate tax bill from the county verifying my tax bill annual about. This is creating a financial hardship from someones oversight and errors inputting my tax amounts.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX. Mortgages sold my mortgage to PNC bank. An adjustment was already made to my mortgage in 2022 for increased taxes. My mortgage was initially {$1000.00}. In XXXX of 2022 it increased to {$1300.00}. I have not been given access to view or understand my account with PNC bank, but they withdrew {$1400.00} from my XXXX XXXXXXXX XXXX account on XX/XX/2022. This was the first payment to PNC. No declaration of the increase was sent to me. No reason for the increase was told to me when I contacted PNC. This an additional 10 % increase in cost for a total of 40 % in 2022. I am at a loss on why and how they can withdrawal additional funds from my account without contact or explaining the withdrawal to me..
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I have attempted to make sense of the amount allegedly still owed to PNC Bank on my vehicle purchase agreement, which among other things, has led me to believe they and/or the other party involved have committed fraud in factum. PNC has denied me the right to refinance my agreement rate ( XXXX ) which would greatly help reduce the amount I pay out over the course of this alleged agreement. I would have been able to make a better more informed decision if I had the upfront, clear and concise information that I would not be able to refinance after a certain period of time had passed and/or mileage was added to this automobile that I purchased. I also did not in fact receive an auto loan according to the law, as the amount for the vehicle that I purchased was paid out directly to XXXX XXXX XXXX XXXX here in North Carolina ( the other party involved ), so they are the ones who in fact received an auto loan, by lawful definition. Attempts at refinancing as well as hardship requests have been denied ; the maximum number of requests a consumer is allowed is three according to one of the PNC Bank representatives I spoke with concerning this matter; again, something else I was not made aware of prior to signing this agreement. Last but not least, PNC nor XXXX XXXX of XXXX made me aware of my rights to rescinds this contract nor my right to opt out of credit reporting.
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PNC Bank has been erroneously extracting funds from my account. The company has acknowledged the fault was due to a " coding error '' of their electronic check reader for online banking system. Their coding software was interpreting an incorrect account and routing number for someone else 's check and was withdrawing funds from my account intermittently over the course of 3 years. I did not realize this unfortunately due to this being within my inactive " Growth '' account in virtual wallet. I did not even have checks for this account. I caught the error and they apologized, but they only offered to " adjust '' the last 10 transactions for {$1200.00} dollars while they still owe me {$2900.00}. They have admitted fault, and agreed the additional funds were withdrawn due to their banking error. However, multiple party members refused to pay the additional amount due to them occurring too far in the past. Of note, they attempted to clear another {$2000.00} check from another account when I pulled the funds, but I did not have enough funds in the account at that time. Instead they charged me {$36.00} for a bounced check that I did not write. Still waiting for that reimbursement. I would like to close the account, but feel like I can not until I get this rectified. Total they owe me is : {$2900.00} The credit relationship officer acknowledged they were in the wrong and wished she could reimburse me the full amount, but said her superior refused. She also said they would call me back in 5 business days, which has since passed.
Company Response:
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of 2022. Pnc Bank closed acct ending in XXXX. There was an existing- {$960.00} balance. To satisfy this obligation I sent a promissory note for the amount. Pnc Bank kept the note and eventually credited the account. So I thought issue was resolved. A few weeks go past and the - {$960.00} was due again. I went to the branch and they said they didn't see the note applied. However note was kept and the account balance went to {$0.00}. So as shown in pics I then sent an additional registered note and it also was kept. However, this time they already illegally closed my account.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: After becoming XXXX of Attorney over my mother-in-law 's finances, I reviewed past financial transactions so I knew what expenses would need to be addressed. I discovered there were several checks written between XX/XX/2022 and XX/XX/2022. All checks were written to the same person. The handwriting did not look like legitimate.Two of the checks were written on the same day. In total there were XXXX checks equaling {$30000.00}. My mother-in-law did not who the person was that the checks were issued to. In late XXXX, after I discovered this issue, we went to a lawyer to see what we should do. I believe the date was XX/XX/2022. He recommended we contact the bank and file a police report. After leaving the lawyers office, I went to the PNC Bank located at XXXX XXXX XXXX in XXXX Michigan. I was told I had to call a phone number and file a complaint over the phone. I believe the phone number was ( XXXX ) XXXX. I went home and filed the complaint that evening. The bank sent me an affidavit for each check that needed XXXX 's signature notarized. I believe it was the evening of XX/XX/2022 that I received a text stating Moms checking account had a low balance of {$0.00}. I knew she had about {$9200.00} in her checking account. The next morning, I picked Mom up and we visited the PNC Bank in XXXX XXXX Michigan. The banker told us the money was still in our account, but the funds had been frozen because of the fraud compliant. We were also told we could not close out the account until the fraud investigation was complete. While I am not certain on the date, I believed I received the affidavits around XX/XX/2022. An appointment was made to get Moms signature notarized on XX/XX/2022. On XX/XX/2022 I sent the paperwork to PNC Bank XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX. They received the paperwork on XX/XX/2022. The postal tracking number was XXXX. Sometime in XXXX I visited the PNC Bank located at XXXX XXXX XXXX XXXX in XXXX XXXX Michigan. I brought all my paperwork related to the fraud case with me. The banker tried to call ( XXXX ) XXXX. The number just goes to a voice mail box stating to leave a message and they will get back to us withing 2 business days. I went home and called the number and left a message. I received no call back. In XXXX, I tried the number again and left a voice mail. I received not call back. I went to the branch located at XXXX XXXX XXXX in XXXX Michigan on XX/XX/2022. I spoke with XXXX XXXX, and he told me we only had 5 days to return the affidavits back to the bank, so nothing was done. He refiled the paperwork while I was at the bank. He told me they would need a couple of weeks to go over the complaint. On XX/XX/2022 I received two pieces of mail from PNC. The first was a letter dated XX/XX/2022 stating our account had been closed. The second piece of mail was a check from the bank dated XX/XX/2022 for the remaining funds in Moms account. I called XXXX XXXX on XX/XX/2022 and asked him what was going on. He told me the case had been closed because I waited more than 60 days to file the complaint. XXXX not sure when the XXXX deadline started. I discovered the problem in XXXX and acted on it immediately. If the deadline started in XXXX ; then why did they even take my complaint? I do not believe they have done anything to try to help us. They never communicated with me as to what was happening. Each affidavit we were required to sign said we would assist the bank and law enforcement in any investigation and participate as a witness in any civil or criminal actions relating to the matter. I assumed the bank would contact the authorities. I do not believe this happened. On XX/XX/2022 I called XXXX XXXX XXXX XXXX in Texas and filed a police report. The case number is XXXX and the investigators name is XXXX XXXX XXXX At the request of the XXXX XXXX XXXX XXXX, I also filed a report with the XXXX XXXX XXXX XXXX in Michigan. That case number is XXXX and the Sergeants name is XXXX XXXX XXXX On XX/XX/2022 a little after XXXX I received a call from XXXX XXXX XXXX She needed to know what city the checks were cashed in as this information would determine what department would lead the investigation. I immediately went down to the PNC branch located at XXXX XXXX XXXX in XXXX XXXX. I spoke with XXXX XXXX. He was not able to give me the information I needed and said he would send the request to the back office for investigation. XXXX XXXX told me he would contact me on XX/XX/2022 to let me know what was happening. It is now XX/XX/2022 and I have received no response. I told XXXX XXXX the police were requesting this information and I needed it as soon as possible. If we are required to assist the bank and law enforcement in any investigation and participate as a witness in any civil or criminal actions relating to the matter, then the bank should also be required to do the same. I am really confused. The banks are always quick to freeze your credit card/debit card if there is unusually activity going on. They immediately contact you to let you know what is happening and request feedback as to whether the activity is legitimate. XXXX checks cleared the bank within a two-week period. The smallest check was {$3400.00} and the largest check was {$9400.00}. That seems like a lot of activity coming from a personal checking account.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A