Date Received: 2022-01-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX, 2020, I contacted my mortgage lenders who hold loans on my home in XXXX XXXX XXXX. I live in the property and have rental units. During the first six months of Covid, my rents ranged from {$0.00} a month to $ XXXX, down from a range of XXXX - XXXX a month. PNC holds my second mortgage, a line of credit that they had frozen to withdrawals many years before. My other mortgage is held by another company. Of the debt on my property, PNC holds less than XXXX of the total and the other company owns more than XXXX. So the mortgage is already relatively small. My other lender immediately offered me a six month forbearance and added a giant tax bill to the forbearance. A short time later they extended the forbearance period to 18 months. PNC offered two months forbearance. Two. That is not a typo. After the two months were up, I began applying for a modification of the loan, as I still had almost no rents and did not know what the next year or two held. No one did. Obviously this situation was not specific to me but to everyone in the entire world. I paid the mortgage literally every month of the pandemic except the first two. I just couldn't pay the entire balance, but I sent a payment every single month as funds allowed. I paid as much as I could pay while my work hours were cut 75 %, I had little or no rents, was going through a XXXX, remote schooling my kids and solely responsible for their financial needs. The modification process was endless. Because I work a lot of part time freelance jobs, I did not have paystubs and they kept asking for documents I didn't have. By the time I got them more documents or supplied yet another letter that explained why I didn't have them, they had closed the application again, saying I was past the deadline to turn in documents. I was told my documents were complete, then told they were not, then the application would be shut down while I was trying to redo it, and by that time my work situation or freelance employment would have changed, or my unemployment ended, and all my previous documents would not longer count. I had many calls and letters with PNC and cried on the phone but could get nowhere. They told me that because this loan was not covered by the CARES act, they did not have to give me any more forbearance or do anything for me. I applied several times for modification and finally this fall told them I would just take a deferral and not modify the loan as I could not waste any more time applying and was worried about my rapidly dropping credit score. Because I had paid every month but not the full amount, all my monthly payments were not even counting as on-time payments and PNC was reporting missed payments, totally destroying my credit score. Rather than giving me the deferral as my other lender had done and moving forward, I received words a few weeks later that I would have to start the application process all over again just to get a deferral. They reported me as late and my credit score dropped again, causing me to lose a refinance for my other debt. I have been trying to get this company to provide a reasonable common sense solution for almost two years and I can't spend any more time trying to do applications that they never accept. I have XXXX masters degrees and have been a XXXXl XXXX and a XXXX XXXX, but somehow was never able to complete this application to their satisfaction before the time ran out and the closed it. I asked for a deferral to get a fresh start and they won't do it without another application. In the meantime, their reporting destroyed my credit score. All that my other lenders did for me, including my primary mortgage lender giving me 18 months and an automatic deferral, no questions asked, this bank would not do as a secondary mortgage holder for a much smaller total.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I attempted to access the funds that were deposited to my account in the amount of {$1800.00}. I was unable to access my funds and contacted the bank. They informed me my account was being closed and I would not be allowed access to any of my funds. I was provided no advanced notice and was not contacted in advance that my account would be closed. In my attempts to get more information no one was able to provide me with any details other than the bank would not allow me to access my funds.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I would like the company PNC to take my claim regarding account number XXXX seriously. I would like your agency to know that I started disputing this account in XXXX last year. I sent a certified letter directly to PNC regarding my concern with this account. I made sure that I was very detailed with my request for the original paperwork on file. The main reason why I requested this account information is because of an instance where someone used my information previously and I am going through my affairs to verify I understand the details of the XXXX account with PNC. For the past few months, I requested the original paperwork 2 additional times and I am not getting any response from PNC. There is no excuse clearly PNC is not cooperating regarding my concern. I no longer have a choice but to file this complaint in the hope of getting all the paperwork sent to me. I would like to thank you in advance for helping me in this matter. Again, I am requesting the original signed agreement for this account. I am requesting the copy of signature, terms, and conditions.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was originally a customer of Simple Bank which announced that they were going to shut down in XX/XX/2021. During my entire relationship with Simple I specifically had my accounts set to NOT allow overdraft fees. This means that any attempts to overdraw my account were automatically rejected. As part of the shutdown of Simple, accounts were transferred to BBVA with the assurance that account features would be maintained, and it would be " business as usual. '' Shortly after my account was moved to BBVA, BBVA was sold to PNC. Throughout this time, due to account number changes automatic payments were attempted, but rejected from these bank accounts. While PNC did not pay these businesses that were trying to pull money from my account they started charging me fees, even though they did not have permission to do so. This resulted in the charge of {$180.00} in fees to my account. I attempted to work through several individuals at PNC to resolve this issue, first through their chat function with representative XXXX XXXX, and then eventually with XXXX XXXX in their Executive Client Representative department, but they never attempted to resolve the issue. Each and every time I emailed XXXX I received a " form email '' with the exact same information stating that " I have already begun researching your concerns and will respond to you as expeditiously as possible. '' I contact him numerous times throughout XXXX and XX/XX/2021 with the exact same response and no assistance. Finally I received notice that they had closed my account and then sent my account to collections to have me pay them their fees. Fees that I never agreed to as they transferred my account from bank acquisition to bank acquisition ( Simple, to BBVA, to PNC ). I very calmly and professionally tried to work with PNC to resolve this issue, but they did not attempt to assist me in good faith. Please help.
Company Response:
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a HELOC loan that originated with Compass Bank. Compass Bank was bought by BBVA and then BBVA was bought by PNC. When PNC took over the loan in XX/XX/XXXX, I started getting bills on my statement for Past Fees. I called to inquire about these fees and their customer service rep said they did not see any fees on their end and that it was most likely an issue when they took over the loans and that they should be cleared up. They continued to show on the next statements for XXXX and XXXX. I called two more times and was told the same thing, that they would go away after they fixed the account. When they didn't go away, I sent a letter requesting that my account be fixed. They responded by escalating it to another department who sent me a ledger from XX/XX/XXXX when the loan originated. This ledger showed fees in the amount that they billed me, but these were fees that were paid when the loan was started. The ledger even says, " Charges Paid In Cash ''. I have asked that they reimburse me for these charges since they were already paid alost 10 years ago, but they refuse. I don't think it's fair that PNC began charging me for these fees when they took over the loan without explaining to me what these charges were. If these were charges I owed to Compass/BBVA, it would make sense that they would have charged me for them during the 10 years that I've been paying on this loan. It is not fair for a new company to charge for fees that were already paid almost 10 years ago. Additionally, I always pay {$600.00} a month on this loan. The required payment is always the interest on the loan which fluctuates between $ XXXX {$250.00}. The extra amount has always been applied to the principal. I'm showing that I've paid over {$1200.00} since PNC took over the loan, but it is showing as being paid to Other rather than the Principal. {$600.00} plus was paid for these fees. I've asked that the other {$500.00} plus be applied to the principal. They say that it has, but it does not show as applied to principal, it shows under other. They say they can not fix this either.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX of 2021, PNC BANK, decided to place a hold on my account, without any explanation. There is actual proof that no letter was mailed out to my address regarding this hold, they never called me, or emailed me, to let me know the reason of this hold. I have over forty thousand dollars on my bank account, and they are all on hold without any reason. PNC is doing an illegal practice by using my money to lend out loans and buy properties, i am concerned they might be doing this to many clients. this is illegal and i will contact the news. I made a large deposit, which i understand can be hold while the funds are verified, the funds were verified within two weeks, therefore, there is no reason for the hold to be placed. I have tried numerous times to solve this issue by attending more than five branches, where i verified my identity with my government issued identifications, there are recorded calls where branch managers call retail support confirming by identifications were ran through UV LIGHTS. I am sick and tired of waiting it is now 4 months that PNC has been holding my account without a reason without a judge court order. THIS IS ILLEGAL and i need my funds to be released.
Company Response:
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My complaint involves actions by and between XXXX and PNCBank, where I have two checking accounts and a savings account. I have never given XXXX my banking credentials nor authorized them to deposit or withdraw funds from any of my accounts. XXXX provided a credit to my account at PNCBank and later reversed the credit. I saw the transaction of the {$60.00}. credit listed in the transactions column online near the time I called into XXXX to complain of having overpaid them, around XX/XX/2021. I was promised a credit via phone and did witness the {$60.00}. having been credited to the account soon after phone conversation. Later, I noticed the credit was no longer there, but that my bill pay to XXXX had been reversed of {$69.00}. PNCBank denies that a credit of {$60.00} was ever made by XXXX. I believe that PNCBank and XXXX have an arrangement where XXXX has been granted permission to violate my privacy. This is the second time I have had this issue come to my attention. Previously, XXXX went into my bill pay account and changed the dates of my payments to coordinate with their preferences. I called PNCBank and complained and removed XXXX e-bill status. Again, I have never given XXXX my checking account credentials, I have exclusively used bill pay with autopay to send an electronic check to them. I believe PNCBank is very remiss in accommodating the wishes of the vendor over the customer, compromising the privacy and integrity of a customer 's account giving unauthorized access to my account to XXXX. PNCBank XXXX XXXX today has fully cooperated with PNCBank policy to erase its transactional history and lie to me the customer of the existence of the {$60.00}. credit.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I recieved an email at XXXX that my account was overdrawn by an {$8.00} and change XXXX. Given that I work next door to my PNC branch, I walked over and at XXXX attempted to deposit the amount. The account was over {$50.00} overdrawn with fees. The teller refused to assist with the charges, despite my immediate response- telling me that she as a branch employee did not have the authority to assist with these issues. I was unable to reach a representative over the phone.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I listed merchandise for sale on XXXX XXXX XXXX. It was XXXX XXXX and XXXX products such as a mouse, keyboards, mouse pad, headphones and a monitor for {$700.00}. I received a message on XXXX messenger from XXXX XXXX that he was interested in the products. We conversed and he asked if I would be able to ship it over to him. So i decided that I would. He gave me his address which is XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX. I agreed to front the shipping cost and he said that he would pay me for the products and the shipping cost once the product gets there. Totaling {$1100.00}. HE notified me that the product was delivered and told me that he would pay me via XXXX. I then received an email with a statement from XXXX with Bank XXXX XXXX that I am receiving {$2600.00} but I will have to refund {$1500.00} in return, in order to receive the {$2600.00}. So he provided me with the email XXXX for his XXXX account. I sent him {$1000.00} from my PNC Bank checking account because thats all I had and emailed XXXX ( what i thought was XXXX XXXX and told them that there is a {$1000.00} daily limit for transfers and asked what I could do to cover the rest. They told me to buy a {$500.00} gift cards and send it to XXXX so he can tell XXXX that he received the money. I went to XXXX XXXX and purchased a {$500.00} XXXX XXXX XXXX. After that XXXX told me that the gift cards didnt work. I went back to XXXX XXXX to explain that the card was bad but they assured me that its all good from their end and its probably something on XXXX 's end. So I went back to XXXX XXXX and used my XXXX XXXX Bank credit cards and purchased two {$200.00} and one {$100.00} XXXX gift cards. I sent the pictures of the receipt and the codes over to him. He told me that none of those gift cards are working and sent me a picture of the error code and told me that XXXX XXXX is selling bad cards. So I then went to XXXX and purchased 5 {$100.00} XXXX XXXX cards with my XXXX Credit card and sent him the individual codes with the receipts. He told me that 3 of the 5 worked and to get another {$200.00} worth of gift cards. But then suggested to get 3 in case one didnt work. So I went back to target and purchased another {$100.00} XXXX XXXX XXXX and XXXX {$100.00} XXXXXXXX XXXX Gift cards with my XXXX XXXX Credit card and send him the receipts with the codes. So he told me that only the XXXX XXXX XXXX worked and asked that I would get another {$200.00} just in case one of them didnt work. So I went back to XXXX and bought two {$100.00} XXXX XXXX XXXX XXXX with my XXXX XXXX Credit Card. He notified me that he sent everything to XXXX and waiting for their response. The next day He then told me that XXXX tried sending the money but they are having technical issues with my account so they would need another {$400.00} XXXX XXXX XXXX to be able to complete the transaction. So I went to XXXX and purchased {$100.00} XXXX Gift card with XXXX Bank Credit card and another {$100.00} XXXX Gift Card with XXXX XXXX Credit Card. Send those over to him with the codes. After that they still needed another {$200.00}. So I reached out to my girlfriend asking her if she would help me out. She asked me that I would need to get something in writing that this is legit. So I emailed the XXXX Email that i was in contact with and they told me that if i send another {$200.00} it would be credited back. My girlfriend was not convinced and asked me to call them. So I called XXXX XXXX XXXX which i thought was XXXX and talked to someone and asked them if this transaction was legit and they told me that it was. So my girlfriend gave me her debit card and i went to XXXX XXXX and purchased two {$100.00} XXXX Gift cards and sent those over to XXXX. He told me that everything should be all settled and that i should be hearing from XXXX within 24hrs. Ive never worked with XXXX before so I wasnt sure how their whole proccess worked. I tried contacting XXXX while all of this was happening but I couldnt get through to talk to someone. After he told me to wait that night i messaged him and asked if he has heard anything from XXXX and he said that he has not and that I should received that day. Every since those two message exchanges ive never heard from him and seemed to me that his messenger profile was deactivated.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Originally was not able to access the bank account and spent a lot of time on hold trying to access the account eventually filled a cfpb complaint. PNC never resolved account access issue so I decided to close the account. Multiple calls over 2 months to try to close the account several hours spent on hold each time. XX/XX/XXXX Officially closed the account with PNC and the " check mailed '' according to PNC. XX/XX/XXXX Called to follow up on the check and was on hold for over an hour. Said check would be to me in XXXX - XXXX hours and a XXXX would follow up. XX/XX/XXXX Manager neer followed up and check still not received and now filling cfpb complaint for the second time.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A