Date Received: 2023-11-30
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I went to the PNC Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on XXXX to apply for an unsecured personal line of credit in the amount of {$25000.00} and was not approved ( Not only was I not approved, but I wasn't allowed to even view, review nor give my approval before the application was submitted ). With being denied access to my securities and with the security agreement being retained even after exercising my right to rescind, they are committing securities and commodities fraud and identity theft.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My father became ill about XXXX years ago, and I started paying his bills. I was his power of attorney. He has since passed away. It has been over a year since he has passed. I became the successor of the Mortgage loan. Before he passed away, I noticed that they continue to place forced place insurance on his mortgage when he always had insurance. After he passed away, they continue to do the same to me. They have overcharged us for close to {$5000.00}. The last time that it was overcharged it was {$1900.00} of forced place insurance. I sent proof that I have insurance, and my insurance has never lapsed. I even had my XXXX XXXX representative call them and asked them to stop charging me. I am trying to get them to stop overcharging me. I know that it is going to happen again. They understand that I am almost done paying the mortgage loan off. I fear that they are trying to make me go into foreclosure, they know that I am a single parent and I have been left with my fathers debt and I had to put the mortgage in forbearance for several months. Now they are refusing to reimburse me the money that I was overcharged and they continue to put the check in my fathers name. Please help me because the money that I had to pay for the overage is the money that I have put to the side to pay the mortgage and they refuse to repay my money back.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: A wire IRS transfer through the XXXX XXXX XXXX XXXX was sent to my business account PNC Bank. I attempted to do two wire transfers. One went thru for {$23000.00} the other did not. This transaction took place on XX/XX/2023 and before close at the end of day PNC had suspended our account. Today is XX/XX/XXXX and we have not heard anything from them in reference to our account. We contacted the XXXXXXXX XXXX XXXX and received the tracking # for the transfer # XXXX and we were also told based on their system that the money has cleared and the funds ate available with PNC in our account. This is week 3 and no one will contact us or give us any information as to why they will not release our funds.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: We were notified in the middle of XX/XX/2023 that our current mortgage for our primary residence was being transferred from XXXX to PNC. I received only 1 letter from PNC stating that the mortgage was being transferred to them and to not make the XXXX payment to XXXX and PNC would accept payments starting XX/XX/XXXX. On the XXXX of XXXX I spoke with a representative from the PNC mortgage department as I had no information to make a payment and she could not provide me with a loan number to make a payment or accept a payment. She went on to reassure me that it was not a problem, that the information would be sent out soon and that during this transition there would be no late fees for 120 days. I received no information from PNC until XX/XX/XXXX when I received a letter stating I did not have insurance on the home. I contacted my insurance company and confirmed that they had not received payment and that they had sent the bill to XXXX. On XX/XX/XXXX I contacted the insurance department of PNC to confirm what I needed to do to get them to pay the insurance from the Escrow of the loan. I provided all information. Since I now had the loan number I asked about being able to make a payment online since I had a PNC bank account and online account. The person in the insurance department stated they would have to transfer me to that department. I spoke with XXXX and she she stated that there was an issue with my online mortgage account not being connected to all of my other other online banking. She stated it would take a couple of days to process. I confirmed that it would not be an issue to make the payment when the online account was fixed as I was told I would have 120 days to make a payments on new accounts and she confirmed. I told all of the people I spoke with up to this point that I had not received anything from PNC except for the insurance paper. I had received all of the mail from all of my other PNC accounts but nothing on the mortgage. I check 2 days later and there was still no information online. On XX/XX/XXXX I had access to make the payments and I called and spoke with XXXX to confirm if I needed to make separate payments for each month or if I should make 1 payment. She stated that I should make separate payments. I again confirmed that there was no issue with my account and that there were no fees or issues. She confirmed that there were no fees assessed and no issues on the account. I made both of the XXXX and XXXX payments on XX/XX/XXXX. On XX/XX/XXXX I was served with the papers for intent to foreclose. I called and spoke with XXXX and at first she could not understand why we were sent Foreclosure paperwork. She saw that I had made payments on XX/XX/XXXX and I asked about the 120 days and she stated that yes that is what she thought. She emailed a manager and the manager told her that it was only 60 days when an account came over in default. I stated that it should not have come over in default that I did make XXXX payment 1 day late but I paid not only the mortgage payment but also the late fee to XXXX on the XXXX of XXXX and the mortgage was transferred on XX/XX/XXXX. She then stated that there was not anything else she could do so she sent a referral to a XXXX that would call me and then she transferred me to the Foreclosure department. I spoke with XXXX XXXX in the Foreclosure department and he stated that there was no Foreclosure issue since I had made the payment after some back and forth he was able to confirm that my last payment to XXXX was on the paperwork from XXXX but could not state anything in regards to my account coming over in default, whether it is a 60 or 120 day grace period or if this was going to be reported to the credit agency. I received a call back from XXXX in the escalation department on XX/XX/XXXX. I told her all of the above. She stated she did not see anything in my account except the last call and the one about the payment. She said that PNC had been calling everyday to ask about my payment and I told her that neither myself or my husband had received any phone calls. She asked if I had names and time of my calls. I did not have all of the times so I looked at my phone records. I p and provided the information. She stated that she would have the QA department pull the calls. I also confirmed that we did not have any incoming calls from PNC according to the phone logs from the phone company. XXXX called back on XX/XX/XXXX to confirm that the calls had been pulled and that I was given " wrong information. '' She stated that she could not provide the phone calls to me but would send a request to the Credit dispute reporting department to not report the lateness since the PNC representatives provided me with inaccurate information. On XX/XX/XXXX XXXX called back and stated that the Credit dispute reporting department would still report the lateness as " it was factually accurate that the payment was late. '' I disagree since PNC provided me with inaccurate information, they did not send any letters in regards to lateness, they made no phone calls to either party on the loan and they did not charge late fees.
Company Response:
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: PNC offers Check Ready auto loans in Colorado but is unwilling to provide the necessary paperwork to register the vehicle with the state Colorado. I have spoken with PNC multiple times at multiple levels and they refuse to comply and seem unaware of the requirements of the state. Specifically Colorado requires the following : If a lien is to be recorded, an acceptable mortgage document ( security agreement ) must be provided. The mortgage document must be an original, carbon copy, or a certified copy and must contain vehicle description - year, make, vehicle identification number or XXXX, lienholder 's name and address, XXXX amount, and owner 's signature.
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Many years ago I opened an account with my mom and the signers of the account were set up as herself, myself, sister, brother, and my uncle, her brother, at PNC bank. This account, with these signatures, was in effect for about XXXX years. Over a year ago my mother was setting her affairs in order because she was declining in health and she was not able to go into the bank. She and her lawyer entrusted me to take everyone else off of the signature card ( my uncle was already deceased ) except myself who was named trustee. This was to ensure all money in her account would be used for expenses and the trust, and there would be no question about who had access to it after her death. To achieve this, I went into PNC to let them know that I was the Power of Attorney ( I submitted this paperwork to the bank ) and I wanted to take everyone off of the account except myself who would be made trustee of the estate after her death. I waited over two weeks to get the OK to come in and sign a new card. I signed this card... thinking that they were making me the sole signer of the account. The day my mother passed, XX/XX/2023, I went into the bank to withdraw money from the account to pay for her funeral, and they said that I did not have access to her account when she died because I had signed as a POA. I asked to see the card that I signed and it DID NOT say POA, it had 3 initials next to it that I had no idea what they meant. The bank representative said that meant that I was her POA and at that time they froze her account. I had my lawyer contact the bank and, the corporate office contacted me several times, and after someone at the corporate office admitted they didn't even know what those 3 letters meant, and that I was unaware that I card I was signing was to only be her POA not to be a signer of the card. I am sure this call was recorded when he admitted it. Even with that being said, he informed me that her trust nor myself could not access the account. ( I was the one who opened the account with her, I was the one who was on it for 20 years AND I was the one who went in to change the card to be the only signer. MONTHS went by and PNC said we would have to go to probate. I and the trust 's lawyer went to court XX/XX/XXXX and the judge ordered the money to be put in my mother 's trust. I brought the papers over to the bank the same day and they said it would be XXXX days. It has now been a month and the bank still hasn't turned over the money to her estate, even though the court ordered this. In addition to this they will not give a phone number or person to contact even after repeated emails.
Company Response:
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Dear Sirs ; I requested a funds transfer from the investment firm Fidelity XX/XX/2023 in the amount of {$650.00}. I had several auto draft payments which tried to clear around XXXX XXXX on the XXXX. PNC gives you 24 hours to get money transferred before they charge you an overdraft fee. At about XXXX XX/XX/2023 the transfer of funds had not posted to the checking account. I checked again at XXXX XXXX the transfer from fidelity had still not posted to the account. At XXXX the transfer of funds finally posted to the checking account. Along with the posting of the transfer came TWO overdraft fees of {$36.00} dollars each. I called the local branch first and was told they would put the information in the computer and see what it said. I was told by the representative at the branch the computer denied the reversal of any of the fees and I asked if even one of them could be removed and was told NO. I also called the Executive Client Relations line and spoke with XXXX and got the same answer I will see what the computer says. She said the computer said NO. I had this problem before in XX/XX/2023 and was told they would not charge me any overdraft fees as long as it was not a debit card use or a check tried to clear and not charge any overdraft fees, because I had no control over any ACH drafts which were trying to clear. I was told today they never heard of such. I am a Senior Citizen and have a hard time as it is. In XX/XX/2023 they were charging me overdraft fees because there system always delayed the posting or giving me credit for the SS check being there but taking over 24 hours to post and showing a credit for the amount SS sent to the bank. PNC still does this they will show the SS check posted but funds are not immediately available for 24 hours. The bank reps have told me they do that because the check may not be good??? They do any transfers from Fidelity the same way. PNC just refuses to take off the {$72.00} charged. I appreciate your assistance in this matter. Sincerely XXXX XXXX
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have found where the box is at XXXX XXXX location XXXX but I cant get anyone to communicate with me about this. I still receive billing for my deceased Mother that had the box. They asked me to get an Indiana affidavit for estate for my Mom. I got one online filled it out after a 4 year illness my Mom had no estate to speak of. PNC told me that was not sufficient for their legal department. I told them I wanted to surrender the box my Mom had wrote on the key envelope their was nothing in the box. I am still getting bills for this box XXXX with a XXXX late fee. My Mom is deceased its like they don't understand that. All I want is to surrender the keys and PNC to set up an appointment to do so. I would not be filing this complaint if they would work with me. I have all other matters completed as far as my Mom. Date XX/XX/2023 Box Number XXXX XXXX XXXX
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: PNC BANK XXXX XXXX, Account # : XXXX Open Date : XX/XX/2015. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Well XXXX XXXX my whole tax refund of XXXX was deposited from XXXX XXXXXXXX XXXX XXXX XXXX into A fraudulent PNC bank account. I never had a account at this bank so XXXX XXXX I called the irs and they gave me the account information and was informed to reach out to PNC bank because they have my funds. I then went into a pnc branch with all my personal information and opened a fraud case then made a police report about the event. I am requesting my deposit be sent back to XXXX XXXX XXXXXXXX XXXX XXXX XXXX so they can mail my return via cashiers check but pnc is not giving me any information due to me not having a bank account with them but they have my tax refund which is in my name. Please help
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A