Date Received: 2023-11-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am trustee for my uncle 's trust. brought necessary documents to bank and now PNC of XXXX XXXX XXXX XXXX. XXXX pa XXXX. Said I would have to the lawyer who wrote the trust that this was the last will I brought the first will and the latest will with me. I went to XXXX other bants with all the documents and no problem. PNC said the dates on documents didn't match what they had on record I said why don't you call the Lawyer and ask him I gave the phone number this is not my lawyer it was my Uncles I said he could email letter they said PNC needs actual letter called Lawyer I would have to bring my copy of will he didn't have one how in the world does lawyer know if it is last will written that's what I told bank .I told PNC you have more documentation than the lawyer my Uncles money was put in cds paying XXXX percent my bant is paying 5.5 % PNC wants to hold on to the money as long as they can at that low rate the money was just reallocated at that low rate
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/2023 I received a call from Card Loss XXXX regarding a charge. I was unable to take the call so they locked my card for any further use. When I did call the number back on XX/XX/XXXX to state the transaction was unauthorized the system directed me to a live agent. I was unable to speak with an agent then so I spoke to a Chat agent on XX/XX/XXXX she referred me back to Card Loss Prevention her XXXX is XXXX XXXX XXXX. I called back on XX/XX/XXXX to speak with the department to state the transaction was unauthorized she proceeded to verify my information when I did verify she refused to continue the conversation and wanted to transfer me to Customer Service. She started to ask for my driver 's license number and social security. I advised her that I would rather speak with another XXXX XXXX agent since she was unwilling to send me a new debit card. After the wait, she instead took me to a supervisor by the name of XXXX and she started to verify me and told me that a new card would be sent out to me since the number is no longer protected. The card never came. The account needed to have a deposit to bring it current, however, I can not visit an ATM to deposit any funds since the card is prohibited. I spoke with someone else via the XXXX channel and that person mailed me a new card and pin number but it was too late because the next few days the account was closed. This all could have been avoided if the previous agent and XXXX mailed out a new card as I requested. I spoke to the Collections department on XX/XX/XXXX and inquired about having my account reopened due to their lack of information and bank error. The agent wouldn't put in the request to have the account reopened and I proceeded to file this complaint. The agent informed me a cashier check would be mailed which is untrue only they that happened was the deposit was sent back to my account that I made since the account was only negative XXXX dollars due to their lack of giving me a card.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was in the process of a loan modification and required to make 3 trial payments, which I made as directed. These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit. My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.
Company Response:
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: ON XX/XX/XXXX PNC BANK DECIDED TO PUT A HOLD ON MY BANK ACCOUNT NO REASON GIVEN, they have no proof of letters sent to my home address explaining the reason why the hold There are over {$44000.00} USD DOLLARS they have had my money for well over 2 years THEY ASKED ME TO STEP IN THE BRANCH WITH MY BROTHER WITH OUR IDs WE MET WITH XXXX XXXX AT THE PNC BRANCH LOCATED ON XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX WE GAVE HIM OUR IDS AND HE SAID THIS IS ALL WE NEED, THE HOLD SHOULD BE REMOVED WITHIN 48 HOURS WE MET XXXX XXXX XXXX AND IT IS ALMOST XXXX I JUST WANT PNC TO EXPLAIN WHY ARE THEY STILL HOLDING MY MONEY??? THEY ASKED ME TO STEP IN WITH MY BROTHER AND WE DID. I ASK THE CFPB TO PLEASE PROTECT ME AND HELP ME AGAINST THIS FRAUDULENT BANKING PRACTICE THEY ARE TRYING TO KEEP MY HARD EARNED MONEY
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XXXX XXXX my insurance agent submitted the quote along with the offer from XXXX for windstorm and hail insurance and from XXXX for hazard insurance on my property. Funds were available in escrow for both policies. PNC paid the hazard insurance, but did not pay the windstorm and hail policy. PNC put forced insurance on my property for the windstorm. This forced insurance increased my mortgage payment. I requested that a case be opened and research be done showing that documentation be considered showing that everything done on my end was done correctly and in a timely manner which should have prevented this issue from arising. PNC then determined that the documents that were submitted was a quote and they could not accept a quote as proof of coverage. Now to be clear I have the quote, but I also have an offer of insurance from this company, dated for the same day, XXXX XXXX, should I accept the offer ; I would need to make a payment. This offer letter has the premium amount and a coupon requesting payment should I accept. Nowhere on this offer does it state that its a quote. At this point, the insurance company is requesting payment if I want the policy. My insurance agent stated that most insurance companies offer a 10 day grace period for payment, but this company does not. When a payment for the policy is made then the coverage will start, hence acceptance of their offer. There will be no declarations page until the policy is issued and the policy is issued upon receipt of payment. Also, the premium that they finally paid from my escrow is with the insurance company that gave the quote and made the offer. It should be evident that XXXX was awaiting payment from them. I have gone round and round with PNC. Ive done everything that I could have possibly done correctly and in a timely manner. Funds and paperwork was in PNC possession. They finally ended up paying the premium and cancelling the forced insurance, but now they are expecting me to pay for the time period of the time of coverage that had lapsed until when they decided to pay the premium. This had nothing to do with me or my agent. The mortgage company, PNC, had everything they needed for insurance to be placed on my property. They payed Hazard and not the Windstorm and are looking for me to pay for their incompetence. This is unethical and it should be unlawful. My agent and I have done everything we know do to prove to this company that weve done our due diligence, yet they are ignoring the obvious facts. I need help to resolve this matter. The consumer should not feel like they are being railroaded by their lender.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Pyramiding of delinquency charges is illegal as outlined in the UDAPP. As evidenced in the attached speadsheet PNC bank has been pyramiding delinquency charges ( including late fees and interest ) on the XXXX. Tournaments credit card account. Had we known about this regulation when we filed the initial complaint this matter would have been resolved months ago. The CFPB should have caught this if they had reviewed the initial complaint. The initial complaint number was XXXX.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The teller told me a late pending charge for a XXXX showed up and didn't show me on the account where just said the amount and had me withdraw XXXX instead of wait for closing the date. So I feel it's best to report this because I didn't get a receipt and the email keep sending that it's {$0.00} not the letter stating it's closed.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The. Collection tactics used by the XXXX XXXX XXXX XXXX XXXX and its servicer XXXX XXXX XXXX included an action in court to have a signature of my daughter affixed because it was not notarized on a document from 2005 and a concurrent foreclosure warning asking me to submit information when said action could not be pursued and was sent to harass me when the 2005 HELOC contract action is known to be time barred. These tactics are in violation of federal regulations protecting consumers from being harassed by collections agents.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: As an original holder in due course I exercise my rights to initiate the consumer credit transaction with PNC BANK. I extended my credit to PNC BANK on XXXX. They ran my credit that I extended to them using my information with zero benefits to my self XXXX XXXX. This is fraud seeing how they benefited from my credit and I was denied a credit card. 12 CFR part 1002 Equal credit opportunity Act says I can not be discriminated against. I have been discriminated against and plan to uphold my rights till the extended line of credit is lawful and approved. Not only have I been discriminated against Im dealing with hardship so to this denial. According to the federal law 15 USC 1602 and 1602 f the credit comes from myself XXXX XXXX. I demand that PNC BANK reconsider this action to comply with federal law so that my credit application be approve or I will have no other choice by to take this further action. Failure to address this dispute properly may lead to further legal actions.
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Trouble during payment process
Subissue: Interest rate
Consumer Complaint: On XX/XX/XXXX we ( myself and my spouse ) closed on a home equity loan at the XXXX XXXX, XXXX PNC branch. The home equity loan was originally a HELOC with a fixed rate since we took out the entire amount in a XXXX time withdrawal after the 3 day waiting period. On the day of closing, I noted that the interest rate was incorrect per what was stated to me just the previous day by XXXX XXXX, XXXX XXXX XXXX, Retail loans. The branch manager who was closing the paperwork for our loan, made several phone calls and came back and said the interest rate on the paperwork is correct. The interest rate I was supposed to receive per XXXX is 4.37 % and what we were told and signed for is 4.4400 %. We should also receive a XXXX reduction for enrollment in automated withdrawals. Unfortunately, we were on a timeline and needed to o sign that day, due to having to pay a contractor for a home project. In addition I have been having trouble with the way PNC is applying my additional loan payments. Each time I attempt to pay an additional payment, they turn around and reduce my automatic withdrawal by the amount of my additional payments. Basically, not allowing me to pay anything extra on my loan. Pertaining to the interest rate, I received a letter on XX/XX/XXXX stating that upon audit of my " FIXED RATE LOCKED '' home equity rate, there was a miscalculation in the interest rate that was received. The letter further explains the old rate was 4.4400 % and the correct rate should have been 4.37920 % and I will be receiving a refund if anything is due. A follow up letter was received on XX/XX/XXXX which stated my credit applied for this error is 34.11 %. I called the bank and requested a complete accounting of how this dollar amount was calculated because according to my math, that was not correct. I spoke with a representative who was extremely rude and told me specifically that my math is wrong and {$34.00} is correct. I requested to speak with a supervisor. I received an email on XX/XX/XXXX from a " XXXX XXXX, Case Manager '' stating they were not able to reach me. I supplied my correct phone number and I received a call from XXXX the following day. During my call with XXXX, she explained that I was only given credited 6 months not going back to the origination date of XXXX XXXX. I requested a total accounting of their calculations during my first call with XXXX, but I still have not received it. However, XXXX stated to me ( on a recorded line ) and I quote " PNC doesn't want to credit you back to the beginning since you never complained about it. '' At this time I told XXXX she was wrong, I have complained about the interest rate and how my additional loan payments have been applied. I supplied her with dates and names of people I have spoken with ( XXXX and XXXX XXXX. Since our initial phone call, I have spoken to XXXX no less than 3 times. During each phone call, she continues to ask me for my documentation that the interest rate should be 4.37920 % not 4.4400 %. I continue to contend that fault by PNC Bank has already been admitted based on the letter I received on XX/XX/XXXX based upon a PNC audit. In addition, I attest that this is a fixed rate lock, when her response to me is the rate just changed in XXXX. The rate changed due to the audit findings... XXXX continues to ask me for my documentation and states she needs to work on this with her partners. Today, XX/XX/XXXX, I told XXXX that I'm filing a complaint because I've waited far too long and have spoken to many people regarding both issues with my loan and my wheels kept spinning. XXXX told me today XX/XX/XXXX that she will be escalating my concerns to someone higher than her, when I explained I was going to file an official complaint with the regulatory agency. Pertaining to the improper application of my payments. If my loan is {$360.00}. And I attempt to pay an additional {$50.00}. My automatic payment is reduced to {$310.00}. I called PNC multiple times and spoke with many representatives. They first told me I was making additional payments incorrectly, then it was I was making the payments on the wrong date of the month. They walked me through how I should be " making my payments online '' which was specifically states in their online banking system that my additional payments will not reduce the amount of my regular payment each time I do it. Unfortunately, each time I make a payment, the amount of my additional payment, is reduced in my automatic withdrawal. As above. After speaking to multiple representatives, I spoke to XXXX XXXX Executive Client Relations around XXXX XX/XX/XXXX after requesting a supervisor. XXXX explained there is nothing wrong with what PNC banking is doing and that I should not go by what online banking is starting, it isn't always correct. XXXX told me I have about 3 days month to send in an additional payment in order for them to be applied the way I want them and not have my automatic withdrawal reduced. I argued that this is not appropriate. I was offered to change my automatic withdrawals to include the additional payments. I explained I wanted to be able to send in extra based upon my budget and this practice seems inappropriate. I also spoke to a XXXX XXXX on or about XX/XX/XXXX. Both XXXX and XXXX both told me PNC is appropriate that it was my method. I attempted to file a complaint regarding my concerns on XX/XX/XXXX but I sent it to the wrong division. I'm requesting correction of the difference between the rate I was charged and the correct rate back to the origination date of the loan. And I'm requesting appropriate application of additional payments and withdrawals on my account.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A