Date Received: 2022-02-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have called PNC XXXX times to close my account. I was told I was unable to do so all times unless I had a XXXX balance. Today I received an overdraft fee from account service charges. I just want this account closed.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I asked that PNC bank close my account in XXXX due to my account information being stolen. They said they did not want to lose my business and wouldn't close my account. As a result, the person who stole my account information so I couldn't log in check transactions charged my XXXX XXXX and XXXX XXXX account off through PNC bank without my knowledge. I just saw the bank statement today after my relationship with PNC ended.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Sunday XX/XX/2022 : about XXXX XXXX : I deposited {$890.00} cash into my business checking account the ATM at the PNC bank branch at XXXX XXXX XXXX, XXXX, OH XXXX. The machine accepted the cash, and the gate to the insertion slot closed. I heard shuffling sounds and then a series of clicks that did not sound normal. The machine spit out my card and the screen read : This transaction can not be completed. ( The actual wording may be slightly different. ) I waited for the money to be returned but it was not. The screen displayed the way it does when waiting for a transaction to begin. I waited a bit more, then went to my car and looked up my PNC account online. It did not show the {$890.00} deposit. I called PNC. I was told they would open a dispute and that I would hear back within three days. I think I tried to use my card again, perhaos for a bank balance, and the machine worked normally. I waited and watched as another person used the machine, wondering if maybe the money was stuck, and would somehow come out. That did not happen. Monday XXXX XXXX, 2022 : I went to the same bank branch and asked a teller inside if the money had been found. She said she did not know ; that a third party manages the ATMs. I asked of this ever happens : someone getting their cash eaten by a machine with the deposit not appearing in their account. She said yes, and that it was always resolved when the overage is discovered. ( I understood that she was not speaking in any official capacity. ) XX/XX/2022 : An {$890.00} provisional credit was deposited by the bank into the account. XX/XX/2022 : I received a letter from PNC in the mail, dated XXXX XXXX, saying that the dispute had been resolved ( see attached letter ). The reference number on the letter is XXXX. It read, in part, During our review of the account and the documentation available to us, we determined no error occurred and that the transaction XXXX XXXX XXXX was processed as instructed. You have the right to request the documentation we relied on in making our determination. The provision temporary credit in the amount of {$890.00}, and well as any related fee refunds previously credited to your account, will be reversed on XX/XX/2022, which is five business days from the date of this notice. I immediately called PNC to inquire as to why this was the resolution. I asked about the documentation that the letter referenced. I was told that overage was not found. I said that it seemed there was nothing I could do, so I would have to consult a lawyer. I was asked, Do you want to escalate this? I said yes, thinking that that would mean the documentation would be provided to me. Friday XX/XX/XXXX : I received a call from XXXX XXXX at PNC that the escalated case had no different result than the original one : no overage was found, so PNC would deduct the {$890.00} provision credit from my account. I asked if I could see the documentationspecifically, was there a camera recording my actions at the ATM, which would show the cash going in? Did the ATM electronically record or notate everything that happened when I was there, such as the machine detecting the money going in, the malfunction that led to the unusual clicks, and the screen displaying Transaction can not be completed? XXXX XXXX said that she was not involved in the investigation and did not have access to any of that information. I told her that I found it preposterous that the person telling me the case was closed had no information at all about the investigation, besides the results. XX/XX/2022 : The {$890.00} was withdrawn by PNC from my account, As a result, the account was overdrawn, and I was charged an overdraft fee of {$36.00}. XX/XX/2022 : The withdrawn account caused another overdraft fee, for {$36.00}, making it a total of {$72.00} in overdraft fees.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I obtained a XXXX from XXXX XXXX in XXXX to help finance some of the operating costs of a charitable foundation I helped create. Paying off the loan was no problem as the monthly payment was taken directly from the charitable organizations checking account, also with XXXX. sometime around XXXX or XXXX PNC Bank bought XXXX and I thought everything was fine. But in XXXX of XXXX I got a call form PNC telling me that the XXXX was delinquent. So over the phone I authorized the person to make a payment. End of story, so I thought, but the next month I get a call from PNC telling me that the XXXX was in default because it was over XXXX days past due. Turns out that in the transition between XXXX and PNC my checking account numbers changed and the direct draft payment wasn't paying for the XXXX because of the change of account numbers. Anyway, since XXXX I have had to pay for the monthly balance on my own because PNC won't allow a XXXX in receivership to have automated payments. I have been charged about {$2000.00} in late fees because of this ... .and it was all due to a mistake PNC made, not me. I have to deal with this for over XXXX years and have spent countless hours of my time trying to get PNC to correct this. Please help me, the account is up to date but I'm still getting late fees.
Company Response:
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I want to remove the XXXX which I am qualified to do because of the value/remaining balance on my loan. PNC continues to deny this because they say I have a HUB loan, when all of my paperwork says FHA. They resent what they say the have on file but it appears to be missing signatures. I went through an approved forbearance due to temporary unemployment and just before I began repayment I was forced to pay a balloon payment and resign a paper allowing them to increase my agreed FHA interest rate. I signed the paper under destress because I thought they could just take my house. I researched later and now know that was not the case. I feel a victim of fraud. I have attached all of the paperwork sent to me by PNC.
Company Response:
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2022 Dear Sir and/or Madam I have been trying around the clock for XXXX days to submit my complaint. Despite, advice from numerous representatives, every time I submit the complaint your system erases it, and saves failure to submit. I am XXXX, and spending XXXX hours a day for the last XXXX days trying to submit my application. I am in danger of losing my home, but I can not physically keep up with this process. Please send me an email with a fax number so that I can submit my complaint. Thank you! Kindest regards, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: PNC BANK REPRESENTATIVE XXXX, XXXX called me on a recorded calls on XX/XX/2022. In the calls she stated that PNC did not process achs that are not linked to my original routing number. That is a lie. PNC has done it in the past. Because I call them out on what they have done to my account, and other things they have done in the past they are being very vindictive. I ended the call with XXXX, agreeing that the conversation had become adversarial because she sought to tell a lie and proceed with the conversation as though the lie was the basis of communication. I refused. Shortly thereafter, PNC turned off my voice mail banking. They are vindictive. This is the email I sent to XXXX on XX/XX/2022, upon learning that pnc has turned off voice mail banking : XXXX, XXXX you individually and PNC as an institution did to turn off voice mail banking you are requested to turn voice banking back on. In a recorded call yesterday, You lied about PNC not processing achs from different branches. PNC bank on XXXX XXXX, XXXX has provided counter checks with The routing number of their bank to me in the past. PNC in other parts of the country have processed achs from my account at various branches, with no issue. Once I confronted you about that lie, you told, I established that the communication was adversarial because you wanted to proceed in your lie based narrative, and I refused. You agreed that the communication was adversarial. As soon as I got off the phone with you, PNC voice banking has been turned off and the system suddenly is unable to verify my voice banking pin. You appear as vindictive as PNC has been in the past. Dont ever call my phone again. XXXX XXXX and justice be exacted. As I said before, XXXX XXXX, PNC REPRESENTATIVE, you may call. I have had a very adversarial relation with PNC and some of its employees for a long time. Because of people like XXXX, who will try and deceive, by stating a narrative that I checked her on and then try to control narratives that are not true. Know that, I am not the one. Documentation will show that PNC TAKES AN XXXX OF MY XXXX SOCIAL SECURITY ( XXXX ) EVERY MONTH, yet PNC has issues with honoring an XXXX for me to pay XXXX of my bills??? At this point, PNC, XXXX. Turn the voice banking back on. XXXX. XXXX XXXX XXXX the {$25.00} late fee and {$13.00} interest fee, that You caused by declining to pay the XXXX that the money was in the account, but you refused to pay. XXXX. Self correct. Every XXXX and XXXX individual and institution on XXXX is deconstructed. Regards, XXXX XXXX XXXX XXXX On XX/XX/2022, at XXXX PM, XXXX, XXXX XXXX sent an email to me stating that My concern that I had sent to CFPB was escalated to the office of XXXX Client Relations, on XX/XX/2022 by the XXXX XXXX XXXX XXXX XXXX XXXX, was assigned the matter, called me, and claimed that my experience matters to her and that she would like to discuss my experience and how she could can help. Well she could start by speaking truth. She can be directly reached at XXXX. Her office hours are XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX p.m. XXXX. XXXX XXXX XXXX Client Relations PNC Bank ( p ) XXXX ( XXXX ) XXXX XXXX Regards, XXXX XXXX XXXX XXXX!
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PNC Bank Auto has been the vain of my existence for well over a year. I have been paying double sometimes triple the amount on my car loan in order to get ahead. This has been going on since XX/XX/XXXX. The payments are not being posted as I wanted it. The payments are being applied to the principal, interest and fee balance and not towards the current monthly payments and future as I wanted it. By PNC Bank not stating they were applying the payments this way and applying the payments as they please. This has created my account to be reported to the credit bureaus negatively. This is incorrect and all the late payments need to be removed from my credit report starting in XX/XX/XXXX. I by making multiple payments in the same month paying for multiple future months thought the months were paid. PNC Bank applied them not as I wanted and then turned around and reported over 9 times since XX/XX/XXXX up till today that my account is past due. I have attached the PNC statement as of today XX/XX/XXXX as current next payment due in XX/XX/XXXX. This wrong and very misleading. I have constantly called and requested an investigation but here I am still having the same issue
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. On XX/XX/XXXX the dishwasher in my house failed and released water. The house is a raised ranch built in XXXX. Most of the damage was drywall and related which affected the lower, basement level. 2. On XX/XX/XXXX the insurance company paid out ~ {$100000.00}. In a check payable to me and lender PNC BANK. 3. I sent the check to lender PNC BANK. 4. I explained in great detail and included pictures to document that it would be non-economical to make repairs as the house sits on 4 acres of prime wooded land in the City of XXXX, and that the highest and best use of the site is eventual tear-down of the single structure on the house and development of multi-housing sites. 5. The Hazard Insurance clause in the HELOC agreement states 4 Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, provided such restoration or repair Is economically feasible or if the security of this Mortgage is not thereby impaired. If such restoration or repair is not economically feasible or if the security of this Mortgage would be impaired, the insurance proceeds shall be applied to the sums secured by this Mortgage, with the excess, if any, paid to Borrower. 6. Lender PNC BANK refuses to allow the insurance proceeds be used to pay down the HELOC balance which is {$250000.00}. 7. This is the latest email thread from XXXX XXXX XXXX. PNC BANK intends to sit on the money for years until the mortgage is paid down to {$100000.00}. This is a breach of the HELOC paragraph 4. XXXX XXXX is an attorney at XXXX XXXX, and PNC BANK is XXXX XXXX client RE : XXXX XXXX PNC XX/XX/XXXX XXXX : PNC has advised that it will not apply the proceeds to the balance. You will either need to apply the proceeds to the repairs or the funds will remain in restricted escrow until the loan is paid in full. I wanted to communicate this to you in advance of the hearing tomorrow in case you wanted to proceed on our motion to dismiss. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX, XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX, XXXX XXXX Subject : RE : XXXX XXXX PNC Thanks, XXXX : I dont make the call so I have to wait for PNC to advise and I will be in touch. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX Subject : Re : XXXX XXXX PNC EXTERNAL E-MAIL - From XXXX XXXX : XXXXhats a no brainer. Comps for 4 acre wooded parcels or similar w/in the City ( not unincorporated ) See attached 2 docs On Tue, XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : XXXX : I am waiting to hear back from PNC as to whether it will apply the insurance proceeds without an appraisal or other confirmation that the security interest has not been compromised. I will be in touch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60565
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We closed on our property around XX/XX/XXXX, and our total monthly payment has been {$1200.00} with {$170.00} of that being held within the escrow account for property taxes and insurance. When I called the bank, they informed me that we are currently - {$6900.00} on our escrow account because the amount withheld only covered part of the taxes for the year. It's obvious no one else at the bank checked the amount needed to make sure that the whole years taxes were being accounted for in the escrow payment during the originations process. I've already filed numerous complaints with the bank about the loan during origination, and now a year later we're still dealing with this nonsense. The total payment will be raised to {$2100.00} on XX/XX/XXXX with {$560.00} of that going to escrow, and another {$580.00} to deal with their XXXX up. As of right now, all they're willing to do is make us pay the amount we're behind immediately, or benevolently let us pay it over 24 months when we had nothing to do with the amount being wrong to begin with. The bank obviously isn't going to do a thing to help us out of the mess they put us in, we need help!
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A