Date Received: 2022-07-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC Bank required me to open up an account with them in order to close my HELOC. XXXX XXXX Loan Processing Analyst Sr ( XXXX ) XXXX # XXXX was my direct contact person. In XXXX was required to open four different accounts in order to receive a {$400.00} new client bonus. I contacted the company a few months later and they gave me the runaround. Stating I wasn't a new customer, because they merged with BBVA Compass. And I wasn't eligible for the new customer bonus. The merge was not complete at the time. I was reluctant to open an account with them, however, I was up against a rock and a hard place. I tried to reach out to the Branch I opened my account with, they gave me a customer support number to call. I spoke to XXXX XXXX at @ XXXX to try to handle the situation. She gave me the same spill about me not being eligible. We exchanged some not-so-pleasant words and I told her that I was going to be closing my accounts with them. A couple of weeks later I received an email from XXXX XXXX XXXX. I reached back out to her three different times and I have never heard back from her concerning my complaint. As a customer, I want what was due to me at the time of my opening of four accounts that I had no need for at the time.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through XXXX for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the XXXX alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. I called PNC that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. I received a letter from PNC, dated XX/XX/XXXX saying that my dispute has been denied. I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XXXX, also known as XXXX XXXX The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
Company Response:
State: VA
Zip: 22152
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX, I refinanced my home mortgage with XXXX XXXX as the loan servicer. In XXXX of XXXX, I was notified that servicing of my home mortgage loan had been transferred to PNC Bank effective XX/XX/XXXX. I was notified in writing that my automatic monthly payments would continue with PNC Bank, however, I never received a pin # for PNC online banking, and when I called the customer service line on XX/XX/XXXX to ensure that my mortgage would be paid I was informed by the representative that automatic payments had not been set up. Additionally, they were still unable to assist with enrolling me in online banking so that I could review the account and make a payment. Instead I had to make a payment over the phone which incurs a XXXX XXXX transaction fee. PNC has made the transfer of my home mortgage a terrible experience, and has been completely uncommunicative throughout the transfer period.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Personal check written to landlord was stolen out of the XXXX and fraudulently endorsed and cashed on XX/XX/2022. PNC opened case on XX/XX/2022. PNC never sent documents to be filled out nor would return any phone calls. Case was closed XX/XX/2022. Case was reopened after extensive phone calls mid XX/XX/2022. XXXX Police Reports and XXXX Affidavits previously completed were sent to PNC. XX/XX/2022, PNC determined that Fraud did occur but refuses to reimburse for the fraud in the amount of the check, {$2000.00}.
Company Response:
State: IL
Zip: 60051
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: i received a late notice on XX/XX/2022 regarding an account with PNC bank that i do not have. They claim a total late amount due of {$130.00} for account number XXXX they have now created a negative impact on my credit and claim i am past due on an account i did not authorize or have anything to do with. need my credit fixed and all affiliation removed from pnc.
Company Response:
State: TX
Zip: 76710
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Good afternoon, I have recently filed a dispute regarding 2 payments that were deemed late. The reason I could not make the payments on time was due to me losing my job during the covid pandemic. I called my banks and informed them of my situation and they informed me that I would get an extension for my payments. Now I have noticed that these late payments completely ruined my credit score. I have only ever made 2 late payments in my total credit history and it was due to the negative affects of Covid 19. I appreciate this help greatly.
Company Response:
State: IL
Zip: 60706
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX reports I am delinquent on my PNC mortgage.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear CPFB, I closed on my new home XX/XX/2022. After closing, my initial payment was reduced ( please see attached supporting documents ). On numerous attempts, I have tried to make sure that my tax liability was correct and that the {$98000.00} was the tax assesment for XXXX After multiple attempts to speak with a mortgage expert, my mortgage has changed three times. However, I can not get help through PNC. I am very confused. I spoke with the XXXX and was advised to contact this agency. It is my hopes that CFPB can help me get this issue resolved. With sincere appreciation, XXXX XXXX XXXX
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX my husbands job was furloughed due to Covid. In XX/XX/XXXX we entered into loan forbearance for our mortgage due to the federal Covid relief plan that was in effect. Our loan was in forbearance until XX/XX/XXXX when the program ended. We were instructed by our lender, PNC, at that time to apply for loan modification which we did immediately, the day the program ended. The federal Covid relief plan outlined that any missed payments were to be tacked onto the backside of the mortgage. I have also checked with numerous other companies and lenders to see if this is/was their practice or knowledge, which it was. Our mortgage lender, PNC, is now saying that the loan modification or amending the mortgage is and was actually never an option and they are demanding all 18 months of forbearance payments in full or our house will be foreclosed on immediately. So there are demanding {$40000.00} paid in full, due immediately, no exceptions. So even though PNC were the ones to offer the Forbearance, Covid assistance, there really was no assistance. How would someone have 18 months of mortgage payments readily available if their job has not been paying them for the past 18 months?! PNC is intentionally misleading their customers and not abiding by a federal law that was set up to protect consumers that were being effected and are still being effected by Covid. We have told them that we can make arrangements to pay anything and everything in escrow, we can pay whats due from XXXX XXXXcurrent ( which they had told us not to pay until the modification had been processed ), that we can pay a portion of the {$40000.00} but not all of it. They are unwilling to work with us at all or make any kind of arrangements to resolve this situation that they put us in. We are literally willing to entertain any and all compromise options.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My father, XXXX XXXX, took out a mortgage on 5 properties for {$100000.00} on XX/XX/1976 from XXXXXXXX XXXX XXXX XXXX was purchased by XXXX XXXX who was then purchased by PNC Bank. My father is now in a XXXX home and I am his XXXXXXXX XXXX XXXX. We are trying to sell 2 of the properties and their are leins still on the mortgage. The other 3 properties on this mortgage have been sold in the last 30 years with no problems. PNC has no record of this Mortgage in their system. I spoke to Representative XXXX in XXXX XXXX and hired an attorney to file a letter for PNC to give us a letter of satisfaction on this mortgage. PNC stated they would remove the leins on XX/XX/XXXX and then decided against it on XX/XX/XXXX. They are now requiring me to do a full deed search at a cost of over {$1000.00}. Shouldn't the burden of proof lay with PNC? They have since ceased communication and I've been advised by my attorney to file a civil suit against them. Please advise me on how this can be resolved. XXXX XXXX
Company Response:
State: NY
Zip: 14701
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A