Date Received: 2022-05-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home was in Default my servicer is PNC Bank i was behine 12 months my house was headed for auction i finley caught up with the payment before that happen i had an agreement with them for all of the fees inclueded late fees lawyer fees all of the adminstrion fee which came out to be XXXX that was suposed to be the full amount in in clueding everything to bring my account current after i went to XXXX XXXX XXXXXXXX XXXX got a cashier check sent them the total amount and after i made the XXXX payment said that i own a XXXXIf i own the extra amount have been in clueding in the restatment i ask serval time whats the total amount which i would sent that to them not after the. Im not going to pay those fee if i dont get this resoved will seek an lawyer.Thanks
Company Response:
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/22, I received a letter from PNC Bank saying there is a 2 year seasoning period required to have PMI deleted. Currently, I have over 24 % equity ( 27 % as of today ) and the article I read says that after having 22 % equity there should be automatic PMI deletion. Is it valid for PNC Bank to have a minimum 2 year seasoning period? I followed their instructions to mail them a check for {$100.00} to have an updated appraisal of the condo, and they mailed the check back to me. They alerted me to the two year minimum, which is not a requirement as per the CFPB article about PMI deletion.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: BBVA was bought by PNC I paid XXXX every month through auto pay with XXXX to BBVA on the XXXX of each month. Then all the sudden without my notice PNC incorrectly change my account to be Escrowed which I didn't give in consent to do. which this resulted in my normal payment of XXXX to go to over XXXX so the XXXX was short and I was unaware of bc they had an incorrect address on file. I continued to pay theXXXX being unaware and finally was contacted and explained the situation to PNC so they switched it back to XXXX but during the weeks and at least 10 calls they somehow still in correctly reported me 60 days late.?? which is strange because there is no 30 day? I have all my statements and documentation that I made every payment on XXXX of every month.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I want to complain about this bank " PNC BANK , NATIONAL ASSOCIATION. '' I will attached letters that I received from this bank. I have an account with this bank. I open a checking account with this bank. Before they were called BBVA COMPASS BANK. I closed my checking account with this bank early this year XXXX When I closed my account I went to the employee were they do everyday transaction not to those employees where they work at cubicles. When I closed my account I was given my remaining money. I forgot how much but it was a cash. After I closed it I gave my unopened letter with my new ATM debit card inside to the teller that closed my account. After a couple of months I received a check from the bank in the amount of {$48.00} upon receiving this check I called the bank to asks what is this check for I was told it's my money and I can deposit it to my bank. After couple of months when I did deposit the {$48.00} check I received a letter from the bank that I owe the bank money and in this letter its already outstanding and due. After receiving this letter I called the bank and asked how come I owe the bank a money I was told that I have a balance on my line of credit I told them I do not have a line of credit and I asked the person on the phone what is the transaction and when the transaction happens. The person I'm speaking to can not explain to me the transaction they were asking me to pay after this I asked them about my account when I closed my account and how much money they returned to me they said they don't know. The documents that I attached here are the check that they issued to me XXXX letters and XXXX letters of line of credit account statements these statements have XXXX pages in it. This bank is located at XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: This complaint is in reference to the official response letter that was received by PNC Bank via XXXX XXXX XXXX dated XX/XX/XXXX in regards to the Consumer Financial Protection Bureau Case Number XXXX. That initial complaint to the CFPB was to have returned to my mother {$11000.00} in scammed funds that PNC Bank stated on multiple occasions did not reach the hands of their customer and now accused felon, XXXX XXXX. During the attempt to retrieve these funds, PNC stated that our held funds were taken by the state ( XXXX ) in what is called 'escheats '. This is the term of when the state takes ownership of abandoned bank accounts or property after a 3-5 year period of abandonment. After my investigating this directly with the State of XXXX, this claim by PNC was confirmed as being FALSE. The state confirmed they never acquired these funds from PNC, and I would like an explanation as to why we were lied to by PNC Bank. PNC stated that they were only able to 'recover ' {$9500.00} of the {$11000.00} in scammed yet frozen/held funds and that amount was provided back to my mother by PNC directly on XX/XX/XXXX. PNC makes absolutely no mention of this recovery or this repayment in their CFPB reply letter of XX/XX/XXXX, and I believe this was not mentioned intentionally! The scammed funds amount of {$11000.00} is mentioned twice in the response letter from PNC, but is NEVER mentioned in the context of PNC having paid this amount back to us. Again, I believe PNC excluded this detail in their reply letter for a reason which I will discuss later in this complaint. After a few more escalations to PNC and promises to them of a legal civil case against the bank and XXXX XXXX XXXX investigative team involvement, did PNC also provide the remaining amount of {$1400.00}. So my mother received the total amount of scammed funds back, which was {$11000.00}. This is the total amount of scammed deposits that PNC Bank confirmed that they were able to freeze/hold the day of the scam XX/XX/XXXX. I wish to receive an updated letter from PNC Bank, with the admittance that they lied to me regarding our frozen funds having gone to the State of XXXX. I would also like to see an apology for this confirmed lie. Also, I would like to see a clear explanation of WHERE/HOW the initial amount of {$9500.00} was, as PNC stated , 'recovered ' and the exact circumstances as to the final {$1400.00} payment they made. I would like in writing that the remaining amount of {$1400.00} are PNC 's funds ( out of their own pocket ) that they are providing to my mother OR confirmation if these are original funds they were able to 'recover " as well. Basically am looking for an understanding if the last amount provided is our original frozen funds or is that last payment amount truly PNC 's own funds and they are providing to us. ( I understand per PNCs message I am not an authorized user of the accused felon 's bank account, I am only asking about my mother 's funds that were held by PNC outside of their XXXX XXXX account once the funds were frozen/held back the day of the scam XX/XX/XXXX ) If I do not receive this updated response letter from PNC with the requested content, I would like the CFPB to investigate what strongly appears to be PNC having tried to keep a fraction of the {$11000.00} in frozen/held funds by lying, using the State of XXXX as a cover story as to where the funds went to, and that the Bank was only able to " recover '' the initial amount that they provided back to us ( {$9500.00} ). Which only after intense pressure on the bank did we receive the remaining amount which the Bank could be now passing off as a 'monetary relief amount to us ' when in reality that last {$1400.00} was our original confirmed FROZEN funds being paid back to us, just now under another lie. I am asking CFPB to get the clarity my family and I deserve here so that PNC Bank can not do this again to other elderly phone scam victims involving PNC 's very open and unsecure ATM deposit policies in the future.
Company Response:
State: IL
Zip: 60585
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: PNC BANK is REPORTING IN ACCRUATE INFORMATION ON MY CONSUMER REPORT I SENT A LETTER XXXX REGARDS TO THIS MATTER AN I HAVE NOT RECEIVED A RESPONDS BACK TODAY IS XX/XX/2022
Company Response:
State: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am having PNC Bank business checking account since XXXX of this year. ACH is always an issue. For some weird reasons, PNC blocked my ACH transactions. On XXXX XX/XX/2022, I called XXXX during XXXX to XXXX XXXX central time. After 20+ minutes of wait ... one lady took all the information and asked me to wait. After 5-8 minutes, I was put in the queue all over again. If PNC is short on customer service and customer service is not efficient then why to cause issues which requires customers to call customer service? Sent email to XXXX but even after 5 days no response from her.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: DURING COVID MY XXXX XXXX BUSINESS TOOK A SLIGHT HIT. SO I APPLIED FOR A PPP LOAN THRU BBVA BANK. ALL WENT SMOOTH AND APPROVED AND FUNDED. THAT BEING SAID BBVA BANK GOT BOUGHT OUT BY PNC BANK DURING THAT TIME FRAME. WHILE HAVING MY PPP LOAN AT BBVA BANK THE LOAN OFFICER TOOK MY FORGIVENESS LOAN APP AND SAID NO WORRIES ALL TAKEN CARED. NOW WITH PNC BANK TOOK OWNERSHIP NOW THEY ARE TRYING TO COLLECT THE PPP LOAN THAT WAS FORGIVING WHEN IT WAS BBVA BANK. PNC BANK IS SAYING THE LOAN OFFICER IS NO LONGER HERE WHO TOOK THE LOAN FORGIVENESS AND SUPPOSEDLY HE DROP THE BALL AND NEVER SUBMITTED THE PAPERWORK. HOW IS THAT MY FAULT? I HAVE ATTACHED ALL THE DOCS I HAVE GOTTEN FROM BBVA AND PNC BANK
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been trying to get a student loan from PNC banks corrected on my credited report. It showing payment was late over XXXX times corrected when the loan was in forbearance or it was in a bankruptcy status. Its showing that I was late over XXXX times which I never was in a repayment stage and have tried numerous of time to get that corrected and have been unsuccessful.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Good evening, Im making this report in regards to a previous PNC bank account. I literally only had the account for about a month in XXXX, one night I was out partying & lost my cards. Not even two days later, I was notified of an amount deposited in my account of about {$2500.00}, that was immediately taken out. I contacted PNC to dispute the charges and report the fraud & they canceled the card and sent me a new one. A few weeks went by, and they sent me a copy of the fraudulent check that was deposited. The check was from a restaurant that Ive never worked at and had my name on it. I notified them once again & asked why it hasnt been disputed or any further action, they told me all they could do is close my account. I just received notice that the debt is to be collected in my name. The debt collectors told me to make a legal report & then they can dispute it. I figured that PNC would make notice considering the amount of times Ive called and visited but they didnt.
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A