Date Received: 2022-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, my name is XXXX XXXX. I have had a claim with you guy in the past about a XXXX vehicle the back was changing me for well since that all got settled I see on my credit report I keep missing payments? I havent missed a single payment from any bills so Im thinking if it still has to do with the car situation. So if you guys could look into that for me that would be great I just dont understand why my credit is being destroyed over missed payments when Ive paid all my bills on time?
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: PNC Bank regularly sends me statements that are postmarked the XXXX of the month. I receive them about a weekly, about the XXXX or XXXX of the month. They are due the XXXX of the month. This gives me less than a week to mail a check and make sure it arrives in time. I thought federal law requires 14-21 days, am I wrong? Can they force me to panic this way every month, wondering if the payment will arrive on time?
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My grandmother died XX/XX/XXXX. I was the beneficiary on two of her accounts. We did this in XXXX prior to the XXXX merger to PNC, and verified I was listed as the sole beneficiary on her accounts in XX/XX/XXXX after the merger. It took a while to get her death certificate, but when received I went into the PNC Branch to close her accounts. To my surprise, after several trips between XX/XX/XXXX, XXXX, and several days between then and now I learned that the bank put a hold on one of her accounts until XX/XX/XXXX, and also had my deceased uncle as a beneficiary even though he died and was removed before XXXX... The other account was listed with no beneficiary. I provided paperwork to show me as beneficiary on the original account since the bank didn't provide anything when they converted, but they refused to acknowledge the pre-conversion paperwork, and directed me to Social Security and Treasury to remove the hold. I spoke with both and neither reported anything to the bank, they did it on their own, as well as sending back 3 Social Security payments from before she died. I have been back and forth to the branch and their customer service line with no real help on removing a multi-month hold from my deceased grandmother 's account, or any attempt at finding original beneficiary designation pre-conversion. At one point I made some headway with customer service, but then got disconnected when attempting to transfer to an appropriate person. Called back immediately and was refused to be transferred.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I recently received a forwarded statement for my XXXX ( now PNC Bank ) credit card. The notice basically said it was going to collections and to call them. I called them on XX/XX/XXXX and discovered that I did, in fact, owe them for some charges earlier in XXXX which I was happy to pay. However, they also charged me for interest and two ~ {$50.00} late charges. My issue with the interest and late charges is that I never received notice to pay or I would have. Of course, if PNC had tried to reach me, I would have paid and not incurred one or both of the late fees and interest! When I questioned why they didn't contact me to collect prior to incurring late fees, they said that they called but I hung up and they called a second time but they didn't leave a message. It sure seems like they wanted to incur the late fees rather than let me know about it. Never once did they try to email me or try to reach me in earnest. The total bill was less than {$250.00} and I have no other debt. Anyway, on XX/XX/XXXX I spoke with someone from PNC to " settle up '' and the gentlemen agreed to waive one of the late fees so, in order to put this past both parties, I agreed to pay ~ {$170.00}. Fast forward to today : XX/XX/XXXX. I called PNC to get past statements for the account mailed to me for tax purposes and, to my surprise, I find out that the late fee the gentlemen agreed to waive was denied and still remains on my account. This is after him telling me I had a {$0.00} balance on XX/XX/XXXX. I asked again if they tried to call or reach me in order to collect the fee and was told, " no, we didn't '' and " you live in a state in which we can not leave a voicemail ''. The behavior is what I would expect from a XXXX XXXX not a super regional bank. I appreciate the help and 'm happy to discuss more at your convenience. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Well the reason for this message is concerning a serious matter about an atm deposit. On XX/XX/XXXX, about XXXX central standard time, i deposit {$1400.00} dollars at the ATM on XXXX XXXX XXXX XXXX, XXXX, Ky XXXX. After I placed the money Into the atm I get a temporary unavailable message displayed crossed the screen. I assumed my money was deposited to my account so I decide to do another transaction and withdraw {$20.00} dollars. I received a receipt after this transaction and I noticed the 1400 from the previous transaction was not credited to my account! I immediately called customer service to file a dispute. Monday morning I went to the branch where the incident occurred and they filed a dispute. How come the branch manger didnt count the money In the atm to see they had extra money! Im sure with todays technology it doesnt take days to notice any type of technical problems concerning a banks money! So how is it taking so long to credit my account with my money? That money was for my rent and utilities bills! Now Im hit with late charges b/c of a bank I TRUSTED took my money and its concerned not taking this matter seriously! Im in danger of disconnect of my utilities and late charges accumulating everyday. feel like my situation isnt being handle in a timely manner. Seriously, like how long does it take a bank to count the money in the atm to see if they received money that didnt go into an account or wasnt withdrawal from anyone account?
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We applied to PNC Bank in XX/XX/2021 for a HELOC in our condo in XXXX. At the time of the application, we were told that the entire process would take 6-8 weeks to finish. We were constantly in touch with them and provided them will all the documents they asked for. We got conditionally approved on XX/XX/XXXX and were told that the reason it was taking this long was because of the amount of applications PNC had and not enough people to process it. We understood that and waited patiently for the final decision. When we initially applied, we specifically asked them if they financed condominiums and they said yes and thats why we proceeded with them. We also discontinued our process with another bank once we were conditionally approved because we were told that all our credit reports and documents were in order and that its just a matter of time for final approval. Then in late XXXX, the appraisal report confirmed the value of our property and we were told that the loan was undergoing final underwriting since all the requirements were met. On XX/XX/XXXX, we were then told that our building can not be financed because the commercial space in our building does not meet PNCs internal criteria ( greater than 25 % ). The hotel that is part of our building has nothing to do with our condo except that it was built by the same developer. They rejected our application after 15 weeks of going back and forth. In our view, this was shocking as there are several other lenders that have lent to residents in our building and the majority of our building owners apartments are financed. So, we failed to understand why PNC is unique here and more importantly why this was not told to us when we started the process. Every bank lets you know upfront during the documentation process whether the customer meets their requirements. We were told all throughout that everything looked good. We not only lost out on our HELOC, but also discontinued our other application and after 15 weeks were rejected. This is as bad an experience any customer can expect. PNC bank should respect their customers time and appreciate the effort it takes to provide all the documents. Had they told us upfront, we would have continued the process with the other lender that had already provided loans in our building. In our mind, there was complete disregard to basic courtesy and we will certainly not be recommending PNC bank to anyone we know. This cost us financially as well because the financing was to be used for home improvements and given the significant demand for developers, our project has now been delayed by 8 months. PNC bank should learn to respect their customers time and effort and have a process in place to first examine whether the building can be financed and then ask the customers for the documents.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is a response for a complaint ( that was submitted XX/XX/2022 ). In regards to complaint number XXXX. PNC closed my account on XX/XX/XXXX after I was insulted for my XXXX orientation by a XXXX XXXX ( supervisor at there corporate location ). She was coy in saying it was " good for people like me '' to be " empowered because of services like The CFPB to report improprieties. So I simply told her that she had no value in life and she probably slept around to get her position ... ..Well a few days later my account was deactivated and I was sent correspondence telling me that the rest of my funds would be sent no later than XX/XX/XXXX. As of XX/XX/2022 I still haven't received the remainder of my funds. I believe I had {$220.00} left over at the time of closing.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of 2021, we mailed our income tax payment checks from our local post office. These checks were stolen, washed and deposited with altered information ( United States postal inspection service case XXXX ). One check for {$6900.00} was deposited in PNC bank on XXXX and one for {$5200.00} was deposited in XXXX on XX/XX/2021. Our bank XXXX has been trying to recover our funds and has not been successful. We get a letter every 30 days from the XXXX customer claims department stating that " we could not recover your funds ''. XXXX claims that they have done everything required and we have not been able to find anyone at PNC or XXXX that is willing to talk to us.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: During XX/XX/2021 my debt card and information was stolen from me and a check of {$9000.00} was put into my account I called pnc to dispute this charge, when I contacted the company they told me I would not owe no money back because it wasnt me now I am getting mail from debt collectors on the behalf of XXXX
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened a fraudulent PNC checking account using my name. On XX/XX/22 I called the bank to report fraud but could not find a good resource.
Company Response:
State: KS
Zip: 66049
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A