Date Received: 2022-09-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC bank assumed my mortgage from another provider for my condo. They have been insistent on me having additional insurance over and above the master condo policy, which covers full replacement of my condo. Why ; beats me. I have had to place XXXX phone calls to them, and they simply do not listen, or even seem to understand basic insurance terms and policies. They called my insurance company in a lame attempt to clear this up, left a call back message, and then refused to take the call back.
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have been calling numerous times over the last 4 months trying to get a promotional statement credit of {$100.00} for using my card. I have sent my email with the offer that was sent to me and copies of my statements showing I met the terms of the promotion. I have had my case escalated and given a number # XXXX. I have an email from XXXX XXXX, with no resolution. I was promised phone calls from XXXX XXXX and XXXX with resolutions and they never call. The amount of times I have called them and left messages is mind boggling. This is so ridiculous the customer service from PNC.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Friday, XX/XX/XXXX, I contacted PNC through virtual message to ensure if I downgraded my virtual wallet checking account that my promotional offer already received would not be affected. I was assured it would not be, and given instructions on how to downgrade the account online myself. Even though it is technically a single virtual wallet account, any of the virtual wallets are actually divided into XXXX " accounts '' ( spend, growth, reserve ). In XXXX, the only deposit accountI have with PNC is the XXXX virtual wallet checking account. On Saturday, XX/XX/XXXX I completed what I thought was the simple online process as outlined to me the previous day of clicking a couple buttons to downgrade my PNC Performance Spend ( Virtual Wallet ) to the lowest level Virtual Wallet offered at PNC. Although I did reach a screen congratulating me on picking the right virtual wallet account for me, severalerror messages popped up also. When I went to my account home page, instead of having the Virtual Wallet ( which is always XXXX separate accounts, but all VWs ), I had two " Interest Checking '' accounts and one " Premiere Savings Account ''. This concerned me, as I know at least with the savings account, there is a hefty monthly fee associated with not having a minimum balance ( which I do not have ). I contacted PNC right after this on Saturday XX/XX/XXXX via chat. I was told that it should resolve overnight and to contact them again if it wasn't the next day. I contacted PNC again via chat in the afternoon of Sunday XX/XX/XXXX as instructed, as the accounts were still not corrected. At this time, I was told it would be escalated in the next 1-2 business days. My escalation # XXXX. On Monday, XX/XX/XXXX I logged into PNC again to see if it was corrected. It was not. There was a change though- I DID have A regular Virtual Wallet account ( But only 1, not 3 ) and I now had a " Standard Checking '' and still a " Premiere Money Market '' account which are not correct. When I contacted PNC on Monday XX/XX/XXXX via chat, I was told to wait another 2-3 business days. As of XX/XX/XXXX, nothing further has changed. I have only a single virtual wallet account ( not divided into XXXX separate XXXX accounts as is standard ) and still have the " phantom '' Standard Checking '' and " Premiere Money Market '' savings accounts that resulted from some PNC IT issue in the downgrade process. I do not wish to wait for this simple issue to drag on for weeks or months while I end up being charged low balance fees etc. on these phantom accounts that I did not agree to open. I only ever opened a single virtual wallet account. Standard Checking and Premiere Money Market accounts are NOT virtual wallet accounts.
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: We opened a new account with PNC Bank on XXXX XXXX XXXX in XXXX, AL. They did not confirm our addresses under this new joint checking. They sent to co-applicant 's mail to MY address. A woman resides there and is not to know the name of my cosigner on joint checking, and now she has his full name, breaking regulation.
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I noticed fraudulent charges ( {$6200.00} ) on my bank 's checking account. Their computer declined the payment, however, when I called the bank, the customer service rep said they can't stop those charges, and they will go through in the night and be withdrawn from my checking account which they did. She said to call back in the morning, and then I can start a fraud case. So I now wait up to 30 days she stated for an answer or a refund. It wiped out my checking account, so I couldn't pay bills. This is PNC bank. The first rep told me that PNC would not release the money until the company trying to withdraw them proves it's a legit charge. So now I am screwed and PNC could care less. This is ridiculous.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account was closed by PNC Bank with assets in it and they bounced my checks and now I had a refund made by XXXX on XXXX under XXXX XXXX and made a refund of {$270.00} to me for a missing pendant. It was done under XXXX which was issued to me by PNC. It was for {$270.00} and now XXXX said they can not issue another refund because PNC Bank received it but they kept it because they did not want my account and never indicated it when they signed me up for it. Could you get me my money back for the refund. I did not received a final check when it was closed or a bank statement for the month I had the account. PNC gave no reason for their sudden desire to close my account with no notice.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: As of XX/XX/22 I have not been able to access my online banking with PNC Bank. I called and spoke with a representative on XX/XX/22 and XX/XX/22. I still can not access my account on XX/XX/22. This is not the first time this has occurred and last time this happened it was WEEKS before the issue was fixed.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This bank is dishonest treats me horribke closes my checking accounts refuses to do business with me closes my accounts refuse to help and now my credit card has been charged off to another company
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This is a complaint against PNC Bank and its Mortgage division that handles Home Equity Line of Credit. XX/XX/2022 first interaction with loan officer telling him how I need to get the HELOC quickly so that I can take equity out of my house that I have built after doing a full renovation. I needed to use the money to pay off debts and to complete my house. The rate sheet provided to me was excellent and I was told that the rate that I will get will be based on the rate sheet provided ( and is reflective on the application date ). I was told the loan would take 30-45 days to close. XX/XX/2022 is when I submitted my documents to start the HELOC documents for my primary residence. XX/XX/2022 the loan officer asked if I had a coapplicant ( via text, so is available in writing ). My simple answer was " no. '' I am married but my wife has a clear credit with no debts and I did not want to have her credit pulled nor this loan to appear on her credit. Month of XXXX, Underwriter kept throwing the file out ( as I was told, never saw this ) because apparently I didn't have enough trade lines. I have a near perfect credit score with over 10 credit lines so I don't know whose file were they actually reviewing. By early XXXX, my wife was brought up as a coapplicant in one of the emails. I sent a signed letter back on XX/XX/XXXX that my wife is not a coapplicant and there is no reason to ask for her information. ( They had pulled her information from the joint tax returns that we file. ) By mid XXXX, we still did not have any resolution. In XXXX, the loan officer said that the underwriter will not clear the file until my wife 's address was proven to be the subject property. I asked again why does that matter? she is not on the loan, not on the title, or deed. I was told this is PNC process and even though she is not on the loan, I need the information. I provided one document then they needed another. So by XX/XX/XXXX, I provided what they wanted for my wife 's address although it didn't make sense as I am a loan officer of 3 years that has closed over 50 loans and I have never had to ask for a non-applicant 's information. But I complied as I was assured my wife was not on the application and her credit was not pulled. On XX/XX/XXXX, the loan officer called to say the loan has been approved but he made an error in the initial submission and put my wife as a joint credit applicant and so the only way to close this file is if both of us are on the loan otherwise we'll have to start again. At this point, we were 3 months in the process, rates have changed completely, my wife 's credit had been pulled without authorization, due to the long wait, I had to forego many opportunities, and had to take more debt to offset the balance of the loans putting my business credit on hold due to an undefined never-ending loan that would not allow me to borrow on other lines. The time lost can never be returned. Neither can the financial problems that I had to bear through this process.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sent an email about paying the closing fee on my home and it was fraudulent info given to me. I wired the money to the fraudulent account unknowingly. I contacted the bank and they would not stop or refund my money
Company Response:
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A