Date Received: 2022-04-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I initiated refinance of mortgage with XXXX XXXX ( Loan Officer, PNC Bank ) back in XX/XX/XXXX and submitted all the documents as requested immediately. The loan was approved as was confirmed by XXXX verbally and as well as by e mail@ 2.25 % for 15 yrs with Zero points., Please see copy of mail as below : From : XXXX XXXX XXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : PNC Bank Mortgage - Communication Yes. We can lock at 2.25 %. We do have the ability to float the rate down in rates drop. I will have everything done before XX/XX/XXXX. We can close when you return XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXXXXXX PNC Mortgage, A Division of PNC Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Mail Stop : XXXX We were suppose to close at the end of XX/XX/XXXX but for some reasons we received documents on XX/XX/XXXX. Upon receipt of docs we pointed out discrepancy in the agreed terms of lending in the documents which he promised to fix errors asap. We received another docs subsequently but with the same errors. He promised to correct and send another docs which was again incorrect. Since then he sent incorrect documents several times and has been dragging to send corrected docs and several weeks passed by. I kept calling him everyday and sending him mail frequently. He informed that it is in the process and I will be disclosed shortly. He further added that we are in good shape and he will wrap up everything promptly. He then informed me that it is difficult for me to send corrected documents electronically as PNC electronic system is messed up and he will overnite documents and then we can close promptly ( See attached text message ) On XX/XX/XXXX he informed me that we got the pricing correct and we will disclose shortly. He further added that you are in good shape and I have the ability to overnight documents which is better anyway. I never received docs which he promised and then I insisted to meet in person. In personal meeting he backed out from honoring his commitment and jeopardizing my refinance. I have all the documented proof to prove my above statements. Important Point is XXXX XXXX ( Area manager ) & XXXX XXXX ( Territory Sales executive ) informed me that loan was cancelled on XXXX XXXX but Loan officer has been communicating till XXXX end promising to send docs and close promptly.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Several times now PNC bank has charged NSF fees with a positive balance. When I call them they have no explanation why it happened. Furthermore, just this past week they submitted checks thru after business hours but before midnight and checks were being set up to post and bounce. I ran to the bank put cash in and they still tried to charge me the fee even though my balance was in the positive. I am constantly watching my account now for all of these extra charges, fees, and late night submissions after their business hours. Almost every time a rep can not explain why it's happening and removes the fees. Problem is loan providers do not want to see fee and charge refunds even if it is the banks fault. This has never been a problem with PNC for the XXXX our personal and business accts have been with them. The last XXXX there is a constant issue with my account and I am constantly asking for a XXXX to try and make sense. They usually just apologize for the mistake and move on. It's like they know this is a problem but not sure how they can address other than refund the issue and perfusly apologize. I am on the verge of closing and moving accts to another bank for our personal and professional needs.
Company Response:
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My property tax bill from XXXX XXXX for XXXX is {$720.00}. Because I have an active mortgage, this tax is usually paid by the mortgage holder, PNC Bank. I noticed while doing personal tax research that half of this tax bill for XXXX is still unpaid. The due date for the second installment was XX/XX/XXXX. I have contacted PNC several times. I have been given various excuses for the bill not being, all incorrect. Some staff have claimed there is an " extension '' for taxes for XXXX XXXX. There is no public announcement of any extension and no mention of an extension on the XXXX 's website. I have received no hard copy announcement of any " extension. '' Another excuse I was told was that they haven't received a bill for the second installment. I tried repeatedly to explain that there would not be a second billing because the bank was already billed for both amounts in XX/XX/XXXX. Then I was told the amount would be paid " some time '' this month, but with no explanation for why the payment was not made before XX/XX/XXXX. Late fees will begin accruing on this already overdue payment on XX/XX/XXXX. I have repeatedly told PNC I will not be liable for any late fees. They refuse to acknowledge any pertinent due date or explain why this payment hasn't already been made. I don't understand why they didn't just pay the entire amount last XXXX. I don't understand why they would deliberate let the payment go overdue. I don't understand why they are waiting to receive a " past due '' notice and fees when they've already been billed for the full amount. None of this makes any sense. Why won't they just pay it?
Company Response:
State: AZ
Zip: 85351
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a PNC student-marketed " Virtual Wallet '' bank account in XXXX XXXX XXXX Pennsylvania in XXXX, shortly before I started college. I continued to use it until I moved to Colorado in XXXX. PNC had no Colorado branches then and the bank account became useless and an inconvenience. They made it very difficult to close the account from out of state with their restrictions, and it required multiple phone calls and escalations. Despite the loopholes, I was finally able to confirm the account closed in the winter/spring of XXXX. I received no communication from PNC ( no bills - no account statements - no communications ) from them on until recently. In XXXX, I opened up a XXXX bank account based on a promotion. The account management system proved inconvenient and I promptly closed the account in XXXX of XXXX by going to the local XXXX XXXX branch office. I closed the account same day. This was prior to the PNC acquisition of XXXX. In late XXXX ( XXXX ), I began to receive correspondence from PNC bank pertaining my Virtual Wallet account. This surprised me as I had closed my Virtual Wallet account in XXXX and had heard nothing about it since then. Over time, these account statements began to show a negative {$2.00} balance on the account, which concerned me. I called PNC several times to attempt to resolve this, but the long hold time made it difficult to reach someone. Eventually, on the afternoon of XX/XX/XXXX, I was able to reach a customer service representative. I asked him why I was receiving correspondence stating I owed {$2.00} on a closed account. The representative was unhelpful and, frankly, incompetent. He stated multiple times that he did not know why I was receiving any correspondence. He assured me my account was closed and showed as closed on his end. I asked him to note the account with this information and the conversation, and he seemed to mostly want to get me off the phone. The consistent message I received during that call was that according to PNC 's own representative, my account was closed, had a {$0.00} balance, and I had nothing to worry about. The following month, I received another account statement from PNC bank, which showed a {$25.00} charge, which I presume would have been for late payment of the earlier {$2.00} charge. Later I would receive yet another bank statement with still accumulating fees. PNC also reported my account as being delinquent to multiple credit reporting agencies, including XXXX and XXXX. As a direct result of this reporting of my account as delinquent, I have had a credit line be decreased by {$5000.00}, which has directly harmed me financially already. I have disputed this with the credit reporting agencies and informed PNC of my long-standing dispute, though with my calls they should have been on notice that I am disputing this account. Despite this, their behavior has not changed. As recently as last week, I was still receiving automated collection calls from them, mailed letters from them, text messages stating that they were trying to collect a debt from me, the whole package- over an account that was confirmed closed five years ago. PNC bank has revived a five-year closed account to a zombie account that they re-opened without my consent, racked up fees on, and are now using to not only harass me repeatedly but are also using to destroy my credit lines and financially harm me goes beyond gross negligence at this point. This is fraudulent and they have been on notice that this account is under dispute due to me contacting them regarding this- yet they have not changed their behavior. This has caused me direct financial harm, reputational harm through the lowered credit score, stress due to having to deal with this, filing disputes, as well as time off of work in trying to fix the mess they made.
Company Response:
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2022, my husband went to an ATM machine at a XXXX in XXXX, IL. Here is the bank info on the transaction : ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL He requested {$200.00} but the machine only gave out {$160.00}. The man at the store said the ATM has been having problems with that and that we should contact our bank ( PNC ) and they will refund the {$40.00}. I filed at dispute and was given a provisional credit. I then received a letter in the mail saying it was denied ( provsional credit removed from my account ) and I could request the documentation showing what they investigated to come to their determination. I called into customer service and was told she would reword my dispute and resubmit. I then asked for the documentation and was told there was none. I received another denial in the mail. Process was repeated and declined again. I then filed a complaint with the Office of the Comptroller of Currency who referred me here. I have received an email and a phone message from XXXX XXXX from PNC. I returned his call and received no call back. I then sent him an email. He called back on XXXX saying he would escalate my issue and call me within XXXX hours. No such call has been made to me again. I would like our {$40.00} back plus the {$3.00} fee that was charged. How many people does this happen to and who is gaining financially from all this undispensed money?? Consumers have a right to be treated fairly and honestly, especially in these difficult times. Every dollar counts!
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My partner and I opened a new checking account at PNC Bank online on XX/XX/XXXX. We completed an electronic transfer {$1000.00} each from our respective checking accounts at XXXX XXXX XXXX and XXXX XXXX XXXX on the same date. As of today XX/XX/XXXX, the {$2000.00} we transferred to this new PNC checking account have not been made available to us. And, as of XX/XX/XXXX our access to the account on line has been revoked. We have made multiple phone calls to their customer care, and retail service departments as well as personally visited two of their branches, XXXX XXXX XXXX branch in XXXX on XX/XX/XXXX, and XXXX XXXX branch in XXXX XX/XX/XXXX without any results, or explanation for the hold. As of today, PNC bank has been holding our {$2000.00} for over 40 days without any reason whatsoever, leaving us without recourse in the matter. We find PNC 's actions abusive as this funds are needed for our subtend.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I was contacted by XXXX XXXX of XXXX XXXX XXXX from ( XXXX ) XXXX telling me that they were a 3rd party and telling me to contact XXXX XXXX XXXX at XXXX. I was also given a case number to use when I called. I called XXXX XXXX XXXX and gave them the case number as reference. I was directed to XXXX XXXX. He said that they were a law firm located in XXXX and he was at the main office. I was informed that they were trying to collect a debt from National City Bank that was almost XXXX years old. He said that they had tried to send me a certified letter and I wasn't there so another attempt would be made that day, which was XX/XX/2022. He had no information regarding when the first attempt was made. I told him that I had checked with all the credit rating agencies just last year and didn't see that debt listed and got short with me. I called him back after realizing that the statute of limitations for a car loan was 4 years in XXXX which is where the loan was defaulted on and 5 years in XXXX where I now live he got very angry and derogatory. I do not believe this to be anything more than a scam.
Company Response:
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XXXX of this year, PNC closed all XXXX of my accounts without my consent. I never received any correspondence notifying me of the actions taken on my account. The first time I contacted them on XX/XX/XXXX, I received conflicting information about my accounts. First, I was told that my online banking was turned off and then later I was told a hold had been placed on my account. Subsequently, I went to the branch location to attempt to resolve this matter and I was advised that my accounts were closed and that I should receive a check for all the funds within 30 days. In XXXX, I received correspondence notifying me that I had been granted full access to my accounts. After receiving this advisement, I went to the branch on XX/XX/XXXX to attempt to retrieve the funds because I had yet to receive the funds within the advised 30-day period but I was unsuccessful because of the hold that still remained on my account. I contacted PNC by phone again on the same day and I was advised the letter notifying that I had been granted access to my accounts was erroneously sent and the hold was still placed on my account with no close end-date. I have been told that a case had been created on XX/XX/XXXX to escalate my banking concerns and that I should hear from a manager within 1-2 business. No one made contact with me so I went to the bank branch on XX/XX/XXXX to alert them I would be filing a CFPB complaint if I had not received a check for the funds or the check number and tracking info by XX/XX/2022. They filed and scanned the letter I gave them to my online file. My case was then assigned to XXXX XXXX in the XXXX XXXX department. She attempted to contact once by phone and email on XX/XX/XXXX. I called her back 3 days in a row, left a voicemail, and she didnt return my call. Every time I called to attempt to get in touch with XXXX XXXX I was connected to a completely different department and on XX/XX/XXXX was told a different person named XXXX XXXX would have to get back in touch with me who had made no contact before. XXXX XXXX contacted me on XX/XX/XXXX and asked me what my issue was as he was unaware and said he would call me back with an update. I have received no call back from anyone within PNC Bank or the branch.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: PNC bank XXXX XXXX Credit Card. My account was cut off due to XXXX mo of inactivity. They sent out XXXX letter that likely looked like junk mail and was thrown away. I am a XXXX year customer and lost my credit history when my card was cut off. I asked them to reinstate it but was told it is impossible. I am shocked they are allowed to punish customers who do not have debt and keep a credit card for emergencies. One letter is not sufficient notice that your card with be canceled.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PNC BANK CONSUMER CREDIT BUREAU for committing identity theft. I have never given PNC BANK CONSUMER CREDIT BUREAU any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from PNC BANK CONSUMER CREDIT BUREAU before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PNC BANK CONSUMER CREDIT BUREAU can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ). I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PNC BANK CONSUMER CREDIT BUREAU can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PNC BANK CONSUMER CREDIT BUREAUcontinues its collection efforts, I will file for litigation for actual damages caused and PNC BANK CONSUMER CREDIT BUREAU will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A