Date Received: 2022-04-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC, my HELOC lender has fraud me of undue interest caused by thier mismanagement of principle payments to my HELOC. I Made very clear, specific principle payments on XX/XX/XXXX and XX/XX/XXXX for XXXX and XXXX during tax year XXXX. In had multiple conversations with PNC to ensure the payments posted correctly and even a follow up call to ensure the autopayments continued on shedule. The auto withdraw payment posted on XXXX XX/XX/XXXX on shedule. I made another principle payment on XX/XX/XXXX for XXXX when I found out they had stopped making the auto withdrawal payments after XXXX XX/XX/XXXX. The account information says clearly '' principle payment '' versus the normal automatic monthly withdrawal " payment '' of principle and interest. {$380.00} I Recieved the ending of year HELOC tax statement for XXXXand realized something was wrong. PNC mis applied the principle payments as payment advances and stopped drawing the auto payment. This cost me considerable interest from XX/XX/XXXX when they made the error. I requested reconciliation of the account and compensation of the interest paid. It was escalated to their service department and they notified me verbialy today, XXXX XX/XX/XXXX thier system can not correct the error and they refuse to do anything to correct the error. I need the load recalculated with the correction in the payments applied as they should have been to determine the credit in interest paid. They refuse and would not put in writing their decision or acknowledge their fault, even though the account statements are worded correct. The posted actions are not. One autopayment was made after the principle payment, then they stopped.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: In XXXX XXXX XXXX, PNC charged me 5 or 6 overdraft fees. I had the money in my account to cover my bills and expenses but they sent all of my bill payments back which caused my checking account and my payments to be completely messed up until I closed the account in XXXX. I discussed it with several people at the bank but they automatically figured I was lying. My account became overdrawn every month because I pay my bills on the XXXX of the month. Before I knew they had already taken half of my Social Security XXXX check this kept going on and on. they would tell me that they would investigate but never sent me anything about what they found. Now my credit score and credit checks is completely destroyed.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: PNC Bank is reporting an auto loan on my credit report that does not belong to me. I already submitted all oft the identity theft paperwork required in order to fix this issue and they have placed the account back on my credit report.
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Reported XXXX fraud transactions which was denied i have a police report and legal evidence against the scammer and still got denied. tried escalate the dispute but got no response. XXXX Case number XXXX
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX around XXXX I went to PNC to deposit XXXX cash into the ATM at the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX Pa when my transaction got denied. When it got denied the screen prompted that XXXX dollars exceeded the daily limit amount. It then prompted if I wanted to try another amount. I selected XXXX dollars expecting the ATM to give my XXXX dollars back however it did not. I immediately went into the bank where the banker took me into her office and made a phone call to headquarters to file a dispute. While very upset I explained to them I have rent to pay. My rent is due and if I dont get it payed I will get evicted. They told me that it would take 10 bussiness days to go onto my account however I am a mother of XXXX kids including a newborn child and I can not be without a house to live in. They understood and the person on the phone said that he would escalate it to the manager. After escalating it to the manager they informed me I would receive an immediate provisional credit within 1-2 bussiness days. However after reviewing my account it was never credited to my account like they had said. Now I am left without money to pay my rent and could be evicted with my XXXX children. For being a big bank corporation you would think they would have credited my account right away being the circumstances and being that the banker even saw the atm malfunction. Also being that I was told by someone in the branch that a few days before this had happened to another client and she was credited her money within a day. If this money wasnt such a big amount and was not for my rent it wouldnt be a big deal but for being a mother of XXXX young children and having a XXXX I need this money so my children have a place to live.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Have sent in excess of 8 emails to a PNC VP rep about not being able to make my mortgage payments from my PNC bank accts... ..its been months and no replies and no remedy.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: I am trying to get a replacement title for my vehicle to sell it. The vehicle was paid off with BBVA Compass Bank in XXXX of XXXX. In XX/XX/2021, the bank merged with PNC bank and now they have no records of my past account. I have to have a lien of release OR a statement from the bank stating they have no interest in my vehicle and PNC is refusing both. They can not find any of my account information so they are refusing to even write a statement. I can not get a new title for my vehicle without one of these two items.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC has my account noted so that any refund request made will be denied. This is unfair practices and discrimination. Each request should be researched and approved or denied based on each individual transaction or situation. I spoke with XXXX on XX/XX/22 and a request for a {$36.00} fee to be returned to my account was denied. PNC has low cash mode linked to my account which allows more time to deposit before being charged. My paycheck was deposited within this time frame which was the reason for my request. PNC has determined my account is no longer eligible for refunds no matter the situation and this is discrimination.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a mortgage that was with BBVA. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because BBVA is reporting that I was 30 days late in XXXXXXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX 's payment on the XXXX of XX/XX/2020 and on the XXXX of XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The mortgage loan is in my late husband 's name. Initially, the loan was with BBVA. When I had to pay the loan from my account and not through the automatic method where the bank takes the money out of his checking account, BBVA thought they were not getting paid. I attempted to contact them to discuss but they would not talk to me. Now PNC has bought BBVA and they won't talk to me either. I am attempting to refinance the loan and get it into my name. I learned from my attorney, that I should have had access to the loan from the beginning as the widow and my name is on the property 's deed. I have been charged fees and not allowed access to insure the home at a lower rate than the imposed insurance the bank placed on the home. I am XXXX and do not have access to funds to fight PNC. They have applied my payments for the last 3 months to the alleged amount that I owed that BBVA did not pursue as they knew they had received payments, but the automated bank statements continued to say that I was behind. I was filing for my XXXX when my husband died of XXXX. Following his death I had to file for bankruptcy due to medical debt and have just now reached the point where I can refinance the home into my name and I have a lender waiting on clearance from PNC to complete the refinance. Had I been able to access my legal right to the mortgage account this issue would have been resolved immediately.
Company Response:
State: AL
Zip: 35805
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A