Date Received: 2022-08-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I applied for a PNC checking account on the date of XX/XX/XXXX, but never received the {$300.00} bonus as advertised. I tried to contact PNC a couple of times and the specialist, on XX/XX/XXXX, told me that I am not qualified because the application was approved ( early XXXX ) after the promotion period ( The offer is good through XX/XX/XXXX ), although the application was submitted within the promotion period. However, the PNC customer service person, on XX/XX/XXXX, provided totally different information. She indicated the promotion period is based on the application date, and I should not have any problems, even if the approval is not immediate.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On or about XX/XX/XXXX my wife and I made a mortgage application to refinance our existing mortgage with PNC Bank XXXX XXXX for a lower interest rate. This process was over the phone and secure email out of PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX The Loan Officer : XXXX # XXXX XXXX XXXX XXXX To this Day XXXX XXXX, XXXX we do not know why PNC Bank N A refused to refinance our loan? After 6 months of back and forth for the ( same information ) documents over and over again needed to be submitted to close on the new mortgage, I suspected PNC was not going to close and fund the new mortgage. We made a new mortgage application at another national Bank and closed our new mortgage within 90 days with no request for money upfront. The Complaint : PNC Bank Charged us XXXX dollars on XX/XX/XXXX. I have requested a refund. As the Loan Officer stated many times the funds would be refunded at closing. The closing did not take place and no reason was given. The loan to value was very low and my current mortgage company did not require a property appraisal or any money upfront. I requested the refund in an email on XXXX XXXX XXXX To : XXXX XXXX and numerous times by phone. Please help me get the refund due us and hold PNC Bank accountable Thanks XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX XXXX since XXXX. We specialize in XXXX XXXX and XXXX of XXXX XXXX. We are a XXXX XXXX XXXX and we take responsibility and pride for the work we do and how we treat our clients and business partners. In the year XXXX we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash. We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed. Unfortunately XXXX XXXX XXXX XXXX to short sales and in regards to the equity line that was used for them, I was qualified for Obamas XXXX XXXX and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX The times were extremely hard, everything we worked so hard for was gone. We were struggling to XXXX day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for XXXX XXXX I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX crash, and we qualified for the benefit. For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off. Recently, I received communication from XXXX, XXXX XXXX with an account # XXXX, After reaching out for advice to my financial consultant and XXXX associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to XXXX my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, XXXX is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX. As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan. Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to XXXX my home. Im considering filing for bankruptcy at this time. Thank you.
Company Response:
State: OR
Zip: 97086
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card declined while trying to buy a money order for {$510.00} ( transaction total {$510.00} ) at XXXX # XXXX on XX/XX/XXXX. I tried several times using correct PIN, but it declined each time. I left the store and called BBVA. BBVA said the transaction went through & a subsequesnt transaction for {$180.00} went through leaving my account balance at {$0.00}, debiting out my full account balance. I immediately returned to the store ( XXXX supermarket ) to get it straightened out, while on the phone with BBVA. BBVA refused to speak to customer service manager XXXX but opened a dispute for {$700.00}. XXXX XXXX showed me transaction history for the XXXX store assuring me the card declined each time. I did not hear anything until late XXXX when two letters came dated XX/XX/XXXX for separate amounts {$510.00} & {$180.00} both denying my dispute. By phone I was informed the {$700.00} dispute I filed minutes after the card declined was closed because it was filed improperly. When asking if their agents filed it improperly BBVA said " apparently ''. The provisional cedit was removed in late XXXX & on XX/XX/XXXX two days before rent was due again I was informed by " XXXX '' in fraud dept that my debit card was cancelled by the bank & a new one in the mail to me. In late XX/XX/XXXX I went to XXXX XXXX branch trying to speak with someone who could assist me in getting my stolen {$700.00} back. The teller " XXXX '' told me to call customer service, so I called while sitting in the branch ( I had already spent countless hours on the phone explaining the situation to multiple people and just wanted to deal with someone in person instead ). The branch manager took me into a cubicle & called the fraud dept and then left me alone there. The fraud department representative could not give me any information, stating they were " short-staffed, '' and when he asked for the bank branch manager 's employee ID number, she wouldn't give it to me, saying that I did not need it. In XX/XX/XXXX I filed a corporate complaint with XXXX XXXX had a response in writing from the store mgr. XXXX XXXX stating that no money was received from my debit card XX/XX/XXXX, that each attempt was declined, that there was no money order for {$510.00} and no history of either of the disputed amounts ( {$510.00} & {$180.00} ) other than the declines. XXXX insisted they did not have my {$700.00} & to dispute with the bank. I sent by fax ( XXXX ) and by priority mail XXXX to Legal Dept for BBVA ( BBVA legXXXX department XXXX XXXX XXXX XXXX XXXX Alabama XXXX ) the letter from XXXX, copy of my photo ID, bank statements showing the debit ( XXXX ), copies of letters notifying me of unseccessful disputes, and a letter explaining the facts and requesting remedy. On XXXX, I received a call from BBVA saying two new disputes had been opened by them for the respective amounts. Soon after that the merger took place with PNC. After transferring to PNC I received notice that the disputes were closed against me once again, and the provisional credits removed once again. I proceeded to open a dispute at PNC branch number XXXX with manager/vice president XXXX XXXX XXXX That dispute again failed. I requested him to assist me in getting the letter from XXXX to PNC, as I had already sent it to BBVA to no avail. He did not assist me in doing so but only in opening new disputes. I later requested him to assist me in trying to obtain timestamps for the two supposed transactions but he did not assist me in that, saying he was not able to see it in his computer. XXXX XXXX I proceeded to file a police report for the stolen {$700.00} since disputing the error had not worked. The police investigated at the merchant 's location, XXXX with the manager ( who had already communicated with me in writing ) and finding that no money was received by XXXX from my debit card, and that I received no services or merchandise for the money. Upon opening yet another dispute for {$510.00}, I asked XXXX XXXX why he had not asked this time if I had a police report, as he had asked every other time. He said they didnt need it. I provided a copy of the email from XXXX to XXXX XXXX as well as a copy of the police report ( in person & by email ), asking him to please assist me getting it to the persons handling the open dispute, so they could consider the response from the merchant, or AT LEAST contact the merchant themselves. He did not assist me. As advised by the police, I requested XXXX XXXX XX/XX/XXXX & XXXX XXXX to please assist me in obtaining the " authorization codes '' for the supposed transactions, which would have to be present for transactions to go through. He did not or could not assist me. He gave me a number which was not useful, but being still inside the branch, I was able to get another number then get transferred to someone who opened new disputes and escalated them. However, that also was closed against me & provisional credits removed, and I am still without my {$700.00}. As a single working mother with no help, my rent money is crucial to my finances, and should have been returned to me as soon as this banking error was discovered. Instead BBVA ( now PNC ) have failed to properly investigate, sweeping it under the rug. Their failure is immoral as well as negligent.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I contacted PNC in XX/XX/XXXX to discuss refinancing our fixed rate mortgage ( which was with PNC at XXXX XXXX ). I indicated my desire to refinance at a fixed rate without incurring closing costs. I was emailed by XXXX XXXX on XX/XX/XXXX with an introduction email stating he would be our Personal Loan Specialist and requested documentation from us to get started. XXXX XXXX Loan Processing Analyst Fulfillment, XXXX XXXX XXXX XXXX XXXX # XXXX There was back and forth email communication and phone calls as we gathered and provided documentation throughout XXXX, XXXX, XXXX On XX/XX/XXXX I sent the following email to XXXX : Hi XXXX I received documentation via email of condition approval and request to acknowledge digital application documents. In reviewing, there are a few errors. 1 ) We requested a fixed rate, not variable 2 ) We requested a 15 or 18 year term and requested payment estimate of both options to make determination 3 ) We do not want any money out. We had a phone call and XXXX advised he would fix and we discussed the 15year vs 18 year payment based upon a fixed rate of 3.5 % with a .25 % rate decrease if we set up automatic payments. He communicated that our outstanding XXXX mortgage would be paid off by the HELOC and that that amount would be fixed, and that because it was a HELOC we could pull out additional funds after loan closure, but that amount would be a variable rate. On XX/XX/XXXX, I reviewed my statement and noticed a 4.25 % rate. I immediately called in to customer service who advised they would file a complaint and that I would receive a phone call by a manager. I followed up be sending XXXX an email requesting help. XXXX emailed me back the morning of XX/XX/XXXX stating he no longer worked in that department, but that " we would definitely want to speak with you ASAP to ensure your concerns are being addressed ''. After receiving his correspondence, I called the number he provided - XXXX. I told the agent I wanted to speak with him. After XXXX minutes of hold time, she came back on the line to advise me she had located him and placed me on hold again. XXXX minutes later, she advised that XXXX said there was nothing he could do. The agent then asked if I wanted to file a complaint. I advised her that I had already done so and was waiting for a call back. She acknowledged that she did in fact see my complaint. She attempted to get a manager on the line. After one hour on hold, I was unable to keep the connection due to work schedule. It is now after business hours ( XXXX XXXX and I have not received any phone call.
Company Response:
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problem with customer service
Subissue:
Consumer Complaint: Yesterday around XXXX I went too PNC branch located at XXXX XXXX XXXX XXXX XXXX FL XXXX United States XXXX to cash my insurance check, and this manager ( XXXX XXXX XXXX violated my rights, he gave me a hassle when I was trying too cash my check, basically saying the check is invalid, he cant verify it, I have too take it back too my bank so they can cash it. It was a 15-20minute back/forth embarrassing situation, they way he greeted me at the door was unacceptable, he couldve took me into his office to speak on the situation but he didnt we spoke in the lobby in front of everybody, I recorded partial of it, on my other phone. Another manager stepped in and looked at the check, called progressive right away and verified the check, and it only took her 3 minutes to do all that. As a United States citizen I dont appreciate how I was talked and the way the situation was handled. I already reached out too the XXXX and their helping me out with this situation too make sure it gets resolved, honestly I felt like all this happen because Im a XXXX XXXX.I was highly embarrassed, I have 3 witnesses my girlfriend who was with me, the XXXX adjuster who issued me the check on the phone while all this took place, and the bank manager who helped me getting the check cashed.
Company Response:
State: FL
Zip: 33905
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I signed up for an account with the company Simple, I think they were originally backed by XXXX. Then they were backed by BBVA. Then BBVA took them over and my account was transitioned to BBVA. I tried to close the account around this time, but the process had already started, so they did not allow me to close the account at that time. ( I have a welcome to BBVA email from XX/XX/XXXX ). As soon as I was able, I withdrew most of my money and switched over any automatic bills I could find. Then BBVA was acquired by PNC. They transitioned my account and sent a new debit card, and gave me a new account number. Seeing that the account number no longer matched the old account number, I figured they would just take the ~ {$40.00} in my account through their absurd monthly fees and close the account, since I did not use it once. Instead, there was one automatic payment that went through this account, despite being set up for a different account number. Since PNC had been charging their fees, the account was short for that payment. Instead of stopping the payment, PNC let it go through and charged me a {$25.00} overdraft fee. PNC sent me a " Low Cash Mode '' email alert on XX/XX/XXXX, saying my available balance was - {$22.00}. They had never sent me this type of email since my account was created ( again, without my express written permission ), despite it never having a balance of over {$50.00} ( the indicated " Low Cash Mode '' threshold ). Since I had never accessed this account before, I did not know the current balance before this email. Wanting to resolve ASAP, I first tried to verify the payment that triggered the overdraft. While investigating with that other company, I had them link accounts, which involved making small deposits and withdrawing those small deposits ( less than {$1.00} ). Once this process started, I was hit with another {$25.00} overdraft fee. Then I tried to sign into the PNC online account ( which I had never done previously ). After some trouble, I was able to do this, and I tried to deposit money to bring my account positive, so I could close it. The only option they gave me was to link another bank account, which again involved making small deposits and withdrawals to verify. While I waited for my accounts to be linked so I could deposit money, I called the bank multiple times. They would not process my request to close my account ( because it was negative ), and refused to allow me to talk to anyone about the reversal of fees until the account was positive. I asked what the fastest way to deposit money is, and they said I could deposit it at a bank or ATM that allows deposits. There are no ATMs for depositing or PNC bank branches within 25 miles of me. Again, I never wanted a bank account with PNC. After 3 days ( initiated XX/XX/XXXX, enabled XX/XX/XXXX ), I was able to deposit money into the account. I had requested the account be closed once the balance was positive, but they said I had to call again for this to happen. Before I was able to call, they charged another monthly fee bringing the account balance negative again. Thankfully, they were able to reverse that charge and close my account, today XX/XX/XXXX. They did not, however, reverse any other charge, despite one customer service rep saying they could discuss this once the account was positive. Overall, for an account that I did not do anything with ( I imagine they used and " opt-out '' policy for transitioned accounts, but did not give me an easy way to indicate that I wanted to opt-out ), and never had more than a {$37.00} balance, PNC charged me {$28.00} in monthly fees ( they refunded {$7.00} ), and {$50.00} in overdraft fees. It took me 10 days to get money into that account, for the sole purpose of closing the account. I feel cheated out of money, I feel distrustful of PNC 's motives, and I've wasted hours dealing with this company that I did not ask to do business with. They told me it was " my responsibility '' to close the account, but I see no responsibility or consequences for the bank, whose purpose should be to hold onto my money.
Company Response:
State: NY
Zip: 13027
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: CFPB, I am writing this to gain your assistance with my short sale. My short sale file and closing are being held hostage by the PNC representative, XXXX XXXX. We have been approved, however, XXXX does not understand the buyer must be given a tax credit at closing. Essentially, in XXXX XXXX Illinois we pay taxes twice a year and a year behind. In XXXX of XXXX we pay for the first half of XXXX and in XXXX we pay for the 2nd half of XXXX. The second half of XXXX and XX/XX/XXXX is still owed as a tax credit to buyer. Here, XXXX is unpaid and owed the first half of XXXX on the XXXX tax bill because it wasnt paid. Approximately {$4300.00} or more will be owed for the XXXX half in XXXX and if you prorate from XXXX through closing of XXXX approximately XXXX is due at closing. $ XXXX ( a full year ) = XXXX ; XXXX per month for 10 months with an XXXX closing is {$7200.00}. He is shorting the buyer {$7200.00} from the sale proceeds which is not fair to the buyer or me. Would he buy a home and pay property taxes for the time the seller owned it? I dont think so. My attorney has spoken with PNC representative XXXX XXXX and she was very nice, understood and agreed a tax credit needed to be given. My attorney spent two days discussing this with her and he drafted a settlement statement to reflect the credit the correct way/the way she said to show it. We sent in the settlement statement and XXXX still denied. He keeps asking for documentation showing the taxes are owed. My attorney sent in tax documentation ( see attached ) from the county website, a video on how taxes are paid in XXXX XXXX and the number to the county treasurer for him to verify. My attorney also told him to contact PNC lenders on the home buying side to better understand how taxes are paid by his own organization. He blindly denied all, did NOTHING, and keeps asking for documentation. If documents from the county treasurer dont work, what more can we do? His colleagues understand it but for some reason he is at a loss or doesnt care to do the right thing. PLEASE HELP ME. All we need is for the tax credit to be given and more time to close through XXXX because the buyer doesnt want to spend money on an appraisal when he is being shorted his tax credit. XXXX keeps threatening my attorney if we dont close soon he will close out the file and we will have to start all over. My XXXX and health cant take starting over, Ive already had a XXXX, recently lost my mom, and filed bankruptcy due to this mess. I want this done with. With the tax credit and extended closing date, we can close and I can put this 4 year short sale hot mess with PNC behind me. Anything thing that can be done to help me is greatly appreciated. The property was damaged by fire and each day city liens and fines are growing. This can end with your help. I authorize CFPB and any media outlet authorization to speak with PNC. XXXX.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have a PNC business checking account. After transferring the funds from that, I sent one email to local branch manager, XXXX to close the account on XXXX XX/XX/2022. I tried calling PNC business account customer service but it was a seriously long hold time ( around 35+ minutes ) and thus i sent an email to XXXX regarding closing the account. But it seems that XXXX couldn't action the closure and PNC charged my account {$10.00} fees on XXXX XX/XX/2022.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, I am filing a complaint on PNC Bank due to mismanagement of my funds, inadequate customer service, and refusal to provide me with the bank statements showing payment to a vendor with no refund returned to my bank account during PNC 's acquisition of Compass BBVA Bank in XX/XX/XXXX. In XX/XX/XXXX, I placed a complaint through BBVA during the merger with PNC because a vendor, XXXX XXXX XXXX in XXXXXXXX XXXX had not returned my money as they had promised. I have proof that XXXX XXXX XXXX refunded the money through their digital accounting system. However, I never received the refund of for XXXX transactions paid to XXXX XXXX XXXX for {$100.00}, {$97.00} and {$110.00}. These payments were paid during the months of XXXX to XXXX of XXXX. I made a dispute with BBVA on XX/XX/XXXX while at the place of business and XXXX XXXX XXXX refunded my money that same day after I made the complaint to my then bank, Compass BBVA. However, the refund was not returned directly to my account within XXXX business days. On XX/XX/XXXX, I had received a call and email confirmation from a representative. XXXX, handling my dispute assured me that the dispute will remain open until it is resolved and the merger between PNC and BBVA will not affect it. Additionally, I had shared with the representative the XXXX XXXX payment ledger and email confirmations of the funds being returned. In XX/XX/XXXX, I followed up with PNC about the dispute and I was advised to start it over since they could not find the dispute from BBVA at the time. I did as per their instruction. The representative mismanaged the dispute so it was rejected. I tried to submitting another dispute, had requested the matter be sent to the escalation department emailed all my documentation from BBVA and XXXX XXXX XXXX to their email, XXXX, on XX/XX/XXXX. XXXX with the dispute # XXXX. PNC had sent a letter asking me to give my account in my own words. I did. However, I received a letter stating the dispute was closed because I had never responded. Again, I filed another dispute and it was rejected again immediately saying that the matter had been resolved and the temporary credit was taken back out of my account. It put my account into the negative. I paid it up and went into a local branch XX/XX/XXXX because I was not getting anywhere with customer service via phone. I spoke to two different PNC bank representatives at the XXXX XXXX location. The first meeting was in XX/XX/XXXX and she found the funds were never returned so she submitted another dispute with dates and amounts. Again, it was rejected. The second meeting was in XX/XX/XXXX with another PNC Bank representative, XXXX, and she found the funds paid but not returned. I emailed her the same documentation I had and she said she would forward it along with the dispute. I had requested copies of these bank statements and she said she could not because she was a temp helping out the another branch so I requested that the dispute department to send me the statements. The dispute was rejected again stating the matter has been resolved with no further explanation or copies of BBVA statements. On XX/XX/XXXX, I received a call and voicemail from a PNC Representative, XXXX, who was calling on behalf of my disputes XXXX XXXX XXXX, XXXX XXXX I called back XXXX times that week and no one responded to my messages. As of XXXX XXXX, I had a law office, XXXX XXXX, write a letter to XXXX demanding proof and resolution. No written response to the lawyers as of today. On XX/XX/XXXX, I received a call from another PNC representative, XXXX, on the behalf of XXXX. She explained to me that BBVA had closed my dispute and that is the reason why PNC sent the letters that the dispute has been closed/ resolved as of the end of XXXX XXXX early XX/XX/XXXX. I advised her that it was escalated with BBVA and I have email confirmation from XXXX on XX/XX/XXXX that the dispute will remain open during the merger. Then, XXXX stated it was past the time PNC can dispute it with XXXX XXXX XXXX and said I should contact the vendor again. I advised her that it is not my fault the time ran out and it took about XXXX to XXXX months for the executive office to contact me about it. I advised I do not talk tot the vendor because I had to make a bank dispute in the first place at their place of business in order to get a refund. Secondly, PNC merged with BBVA so they are responsible for the disputes still just as if I owed BBVA money PNC would try to collect it because they took over the previous companies accounts. I advised her this ordeal and lack of consistent communication is affecting my anxiety. The call disconnected because of my cell phone service but she did email me. I emailed a copy of the letter from XXXX XXXX to her and XXXX and asked them to contact the law office moving forward. Additionally, I sent an email to both representatives with all the same documentation between BBVA, PNC XXXX XXXX XXXX and myself. As of XX/XX/XXXX, my lawyer had stated the law office has not received any response from PNC. She recommended for me to file this complaint with Consumer Financial Protection Bureau so PNC can respond to this organization for further assistance. I hope to receive a response from PNC, proof or a resolution.
Company Response:
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A