Date Received: 2022-09-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: very dissatisfied with how the bank handled unauthorized charges. They claim to issue provisional credit and then place provision on the provisional while they 'investigate ' as though the guilty party will admit to price gouging. They act as though they are throwing crumbs and you better be happy or else when the misappropriation is not due to negligence or offsite forcing me into overdraft despite a history record of not going over on purchases made. in short, with no prior deception, I can not be trusted to tell the truth while the merchant is operating with impunity. One such case is withholding to investigate a charge made when more than XXXX miles away with purchases done the same day to prove it. What more evidence is there to have than hard facts? My XXXX status did nothing because they were told ALL is XXXX benefits and protected for well over an hour no amount of reason made me whole. It's just another way of making money like the wait for clearance of checks. It's reckless with the record rise of inflation resulting from the pandemic. Merchants pull cons like overcharging before, during and after yet given the benefit of doubt while the victim gets XXXX XXXX XXXX, every XXXX matters. I can't work overtime like regular people and I'm tired of the bias that banks often engage in like it's their money taken, not yours. Unacceptable conduct through no fault of my own is demeaning and counter-productive if the only beneficiary is the offender themselves. Interestingly, it is also why unscrupulous businesses do the act in the first place. Or the 'who would they believe " rhetorical question.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I've written to PNC several times on this loan. This loan was created under fraud years ago under a business that no longer exist, but I've been always scared not to pay to min due to credit effects. I have a good credit score and would not want to jeopardize it. I have contacted via phone, letter to PNC and they can not come up with a copy of the loan agreement. Why should I continue to pay them? There is no proof on record and I continue to get statements. I'm looking for loan forgiveness.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: One of the services I used when a customer of PNC Bank, was the money transfer service known as XXXX. When PNC told me they were closing my account, never gave a reason except they can do this, and I have no problem with this policy. If they don't want me, so be it. My account number was XXXX. Routing number was XXXX. However, when they closed the account, they did not release me from the XXXX service I had with them. I called XXXX XXXX, and they informed me that PNC would have to release me from the XXXX service I had with PNC before I could establish service directly with XXXX. To this date, PNC has refused to release me with no reason given. XXXX is an independent business that banks use as a service for their customers. I don't believe PNC has the right to not release me from their XXXX, an independent business. I am seeking to have PNC release this hold on my ability to do business with another independent business. I look forward to what you learn. The PNC branch I used is located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Their phone # XXXX PNC XXXX XXXX is at XXXX XXXX XXXX, XXXX, PA XXXX Phone - XXXX Sincerely, XXXX XXXX. XXXX
Company Response:
State: MI
Zip: 48328
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank has been paying other taxes from my escrow account that are not my property taxes which keeps making my escrow account have a shortage which is increasing my payment. I have asked them numerous times to stop doing this. My mortgage payment should only include my principal, interest, property taxes, and homeowners insurance. They should not be paying anything else out of this account. I have tried to fix with PNC but they have done nothing. Thank you XXXX XXXX
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: i was fraudulently charged twice by a merchant of {$20.00} and {$26.00} totaling {$47.00} on XX/XX/2022, i filed a dispute with PNC bank on XX/XX/2022 stating i did not authorize those charges. during investigation they gave me a provisional credit for the charges. once they completed their investigation and without notice asking me for further information they sent me a letter stating one of the provisional credit of {$26.00} would be reversed due to them finding " no error '' in the second charge. thus causing my account to be overdraft into the negatives of $ XXXX on XX/XX/2022. this negative charge caused my account to be overdrawn in which i reached out to PNC multiple times to resolve the issue. on XX/XX/2022 i spoke with 3 different representatives trying to resolve the issue. during that time i was put on hold for over 30 minutes and hung up on by XXXX a PNC representative without receiving a resolution. once hung up on i called right back to their customer service team and XXXX another PNC representative told me she would transfer me to escalation supervisor, as i waited she explained no one was available and i would receive a call within 1 hour and if not i could call back. i never received a call on XX/XX/2022. XX/XX/2022 i called again and explained to XXXX a PNC representative that i never received a call she explained to me no one ever put in a call or appointment for escalation for me and stated also my " account was being put into CHARGE-OFF status due to the overdraft of the account. this was the first time i had heard and received notice of any kind that my account was pending charge off status. i explained that this was the first time i heard of my account pending charge off and she submitted a complaint for me stating i should be receiving a call in 24-48 hours. within that time a supervisor contacted me on XX/XX/2022 stating she would resend the dispute on my behalf during the call i got hung up on again before receiving confirmation of that process. i called right back trying to get reconnected and was told no notes had been taken during the call, at that time i was told another escalation would be sent resulting in another call being made within the next 24-48 hours. on XX/XX/2022 I received a call after XXXX which was a very inconvenient time for me and told the representative of PNC to please call within the reasonable hours of XXXX and XXXX. on XX/XX/2022 i received a call to help resolve my dispute and was told they will refile my dispute and would receive a notice within 10 business days. i asked since their investigation was inadequate and caused the overdraft could they reverse the charge off status on my account. i was told since it was reaching 50 days of overdraft on XX/XX/2022 that i could not get an extension. thus i had a complaint and more questions and was transferred to PNC 's charge off department. once transferred i was greeted by XXXX stating they are attempting to collect a debt and i have until XX/XX/2022 to pay them or my account would be closed without my permission, thus causing me distress and ruining my reputation which is illegal pursuant to 15 usc 1681 s-2, and being willfully non compliant ( 15 usc 1681- n ( 1 ) ( 4 ) )
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22, I sent a person {$300.00} to purchase a set of concert tickets. I used XXXX, thru my bank account so the transaction would go thru immediately since the concert was that day and I need the tickets asap. It was in two transactions of {$150.00}. The XXXX transaction of {$150.00} apparently didn't process so it was refunded to me. I called my local to branch and that was confirmed. So I sent the XXXX amount of {$150.00} and it happend again and pnce confirmed that but I wasn't comfortable sending anymore money with my money being in transitions. The PNC CS rep told me it would take up to 24hrs for the refund to shoe in my account. So I decided to cancel my agreement with this individual in buying the tickets and hoped my money would be back in my account soon. Within 48 hours it still wasn't showing any refunds so I contacted pnc again and the rep told me to file a report since there wasn't any refunds showing. I proceeded to do so, waited to hear from them while they looked over the case. I just received the letter today stating they will not refund me due to no suspicious activity on my account.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PNC bank violated the KYC ( Know your customer ) and AML ( Anti Money Laundering ) laws, by not fully vetting and taking the appropriate actions to know or stop the person who created an account with them. The person who created the account with them was XXXX individual from XXXX who was in the states on a visitors visa. This person used BBVA and PNC bank as a vehicle to commit fraud on multiple American citizens and launder money. Since this person was in America on a visitors XXXX, he was unable to hold employment per the conditions of the XXXX, and this should have raised concerns when he regularly deposited money into his account from his job ( cash ) and accepted transfers for XXXX 's of XXXX of dollars into his account. If PNC bank had taken the appropriate measures and actions, and complied with KYC and AML, they would have not played a part in this fraudulent activity.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I attempted to sell an item om XXXX XXXX and the buyer requested to use XXXX. Since ive used it in the past i agreed. the buyer was supposed to deposit XXXX via XXXX. I received a notice, from what now appears to be a false XXXX email stating the funds were on hold because i didnt have a " business '' account and the claimed they had to charge the buyer another XXXX the y then said that I had to reimburse the buyer and then thay would reimburse my account XXXX. Like a sucker I did. after an hour i recieved another notice that the XXXX customer service inadvertently charged the buyer another XXXX which like an XXXX i reimbursed the buyer. As you can guess i never received my funds and am out XXXX. I contacted PNC Banking and the basically told me so sorry, so sad, cant help you. I explained to them it was their platform that was being used to perpetuate this crime but they dont seem to care. I contacted XXXX and they confirmed it was a scam as they dont send emails. Another scam they are attempting on XXXX is the XXXX XXXX scam. Ive had 3 entities try to get my info that way.
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We opened a HELOC with BBVA on XX/XX/XXXX. XXXX contractually agreed to pay the closing costs on our loan as a " special offer. '' Under the terms of the contract if we closed our loan within 2 years, we would have to pay back the closing costs as an " early closure fee '' unless we closed the loan due to the sale of the property that secured the loan ( our house ). The BBVA agent, XXXX XXXX, also assured us verbally during our closing that we would not have to pay this fee if we closed the loan due to the sale of the property. In XX/XX/XXXX, BBVA bank was bought by PNC Bank and PNC assumed our HELOC and the underlying contractural terms. We are now in contract to sell the property, scheduled to close on XX/XX/XXXX, and our escrow agent requested a demand pay off from PNC. PNC included this " early closure fee '' of {$1600.00} in the pay off amount. On XX/XX/XXXX, I called PNC to inform them that we do not have to pay this " early closure fee '' because the pay off and closure of the HELOC is due to the sale of the property, and, pursuant to the terms of the contract, we do not owe this {$1600.00}. PNC refused to remove this fee from the payoff amount. I explained that we are not contractually obligated to pay it and provided them the sections of the contract to review. After several hours on hold and waiting for call backs from supervisors, they still refuse to remove this fee and we can not close the sale of our property or pay off the loan without paying the {$1600.00} that we do not owe. I have included a copy of the contract. The relevant sections are on page 4 and in paragraph 3 of the " Addendum to the Home Equity Line of Credit Agreement. ''
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I closed on my New York co-op apartment in XX/XX/XXXX, with a mortgage through XXXX. During XXXX, I was granted a forbearance for an extended period of time. Late in XXXX, XXXX, which had been renamed XXXX Bank following its acquisition by XXXX, offered me a loan modification. The terms were very favorable, including a lower fixed interest rate, for a 40-year fixed term, and capitalizing the unpaid interest and principal into the loan balance. The end result would be lower interest and lower monthly payments. The new payment amount started in XXXX of XXXX and I have paid each month on time. Needless to say, I was very thrilled and pleased with myself but then XXXX sold off most of its residential mortgage portfolio to PNC Bank and that's when the trouble started. PNC on multiple occasions sent me loan modification documents to sign and notarize. I dutifully executed them but they also wanted a representative of the co-op to sign them, which the co-op lawyer adamantly refused to do so saying that it was the wrong form. After much back and forth, and my own research by speaking with several XXXX mortgage bankers and real estate lawyers, the consensus opinion is that the PNC form is fine but that there is no reason for the co-op to sign it because they have already executed the recognition agreement aka the " XXXX form '' at the loan 's inception. I provided a copy of this to PNC in case they lost any of the files in the handoff from XXXX. PNC says that the co-op needs to sign because they are on the deed to which the consensus response is that the deed is irrelevant because the real estate is not the collateral but instead the cooperative shares and proprietary lease are. PNC can't get that through their head and I'm not sure what to do. Part of me wants to sue them or raise a stink on XXXX. One lawyer suggested getting in touch with their collateral lawyer who would understand this problem but I can't get past their customer service people who seem clueless about cooperative apartment lending in XXXX. This is becoming very urgent because PNC wants to pull the loan modification offer, which makes perfect sense given the very favorable rates. If they do, I will either have to write them a check for over {$40000.00} ( no easy task ) or face potential foreclosure in the next few months. Also, at this point, I can't just refinance because rates have gone way up, which would make my already expensive mortgage, all the more unaffordable. So in summary, XXXX offered me a loan modification, which I accepted and then have made all the requested trial payments and continue to do so, but now the rug is being pulled out from under me and nobody seems willing or able to help me. I am really at my witts end so any assistance you could provide would be greatly appreciated. Sincerely yours
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A