Date Received: 2022-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have repeatedly attempted to resolve with PNC, and it continues to report delinquency on my credit report. In addition, PNC is charging late fees when the payment is made on the XXXX of the month.
Company Response:
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PNC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hello, Recently, I refinanced a mortgage loan with PNC. Unfortunately, I was both treated bad ( I think the numbers were tempered with or it could be complete incompetence by XXXX XXXX XXXX, XXXX ID : XXXX. I also felt discriminated against. and treated in demeaning ways by XXXX XXXX XXXX The loan officer that I would like to file a complaint against is XXXX XXXX XXXX, XXXX ID : XXXX.
Company Response:
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021 I received a text first from XXXX I guess PNC saying that XXXX try to get a transaction for my account for {$140.00} and some change accept what this you yes or no I said no and I got a call from the bank it was PNC 's phone number the one XXXX someone they said from the security department I didn't have {$140.00} and some change in my account so they said the XXXX as trying to get a purchase somebody basically compromise your account then I have had this happen to me before I've never had it this bad postal PNC always keep pushing a merge with a new you used to go online banking to make a long story short PNC has made like I have been had something to do with the wire transfer I don't transfer money at the end of the day they can look on my put my social security number and and whatever they did satisfied them and see that I have no access to wire transfer I only have account with PNC Bank I don't know anything of this PNC is so quick to be the one to keep your money so that makes me think someone at the bank is stealing people 's money at the end of the day pnc was notified about this issue as well I have to see what was going on with that I would like a bee Pennies on my money returned to me because of the theft whoever that person was that called me I've had people call me like this before they knew everything about me they even called from the numbers that PNC usually calls for from and they trying to say all the scammers know how to set it up looking like it's their phone number well never lap if that's what you want to say at the end of the day PNC needs to do a full investigation and if the Consumer Financial can help as well a full investigation needs to be done with that bank in the employees and where this money is going at a pass cuz it's into it why isn't there a fraud fraud department I supposed to have a I have a fraud alert on my credit report also why is it that fraud are fraud department looking at things going on with people 's account if people have accounts that they always do the same thing I've been with them about maybe like 10 years maybe at the end of the day it's no way that this should should have never happen especially if you've been with banks for years I've been with that bank over 10 years this is not something that you have let happen to a customer the fraud department is even worse than the people in the branch also they told me that if I get my money back they act like they don't know where that wire transfer of monies went to PNC up severed by trust for them because I put my money in there in good faith and basically they have shown me that they could care less and did they do they act like they don't know where that money went to and who it went to I have several accounts that this incident has caused me heartache just about every account I have has with PNC has been tampered with
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was a BBVA customer, then PNC bought BBVA so I became a PNC customer. I received student loans into my online checking account so I had a balance that was more than I usually have. BBVA dropped the ball as they basically disappeared overnight. I had my debit card stolen and it was used by someone else, BBVA did research and deemed it fraudulent and I received my money back. The overdraft fee domino effect caused from the fraud made my statements hard to interpret. I was convinced an error had been made, I estimated the mistake to be approximately XXXX or XXXX off in my favor. I was in my final weeks of college so I decided put business matters aside in order to graduate. I began receiving all of my new PNC banking information- I never would have stayed with them because BBVA was a free account and in fine print PNC was not. I did not use my PNC account, I was waiting for a resolution before I added any confusion. I could no longer access my BBVA statements via the web and a branch is 2 hours away. I called PNC multiples times. I was told they bought company BBVA but not their debt, I challenged that and was then told by PNC that they could help me. I finally got in contact with an individual at PNC who discovered how to access prior BBVA statements. I was able to upload them and he told me to take the weekend to look over them to contact him on Monday with the mistake that I was trying to describe. I waited on hold on Monday morning for several hours got on the website and it was all different and I could no longer find the statements. Finally when I spoke with a banker I was told that my account was charged off and it was in a collections for the total of {$20.00}. I can not believe they canceled my account over {$20.00}, especially when a complaint or dispute has been filed. I would not have had a {$20.00} balance had it not been for the fraudulent transactions and the mistake that was made that I'm getting ready to discuss. XX/XX/XXXX my statement shows a duplicate charge from an ATM withdrawal for the amount of {$200.00}. Stay withdrawal entry on the statement is the exact same date the exact same amount the exact same ATM and transaction number, along with fees for the withdrawal. I have opened up disputes and been denied and today XX/XX/XXXX I spoke with XXXX, after we had played phone tag for over a week which is basically how the entire communication attempts with PNC typically was handled. She informed me that my dispute have been denied due to the fact that 60 days is their dispute limit. I'm not quite sure how I could dispute this charge with them if I could not contact anyone or if Representatives did not know how to give me my statements. I finally received all of my statements when I went into a branch that was 2 hours away. I told XXXX that I became a PNC customer one of the merge happened XXXX and had never used my PNC banking card. She did not seem the least bit concerned about a resolution more about how I was going to pay the {$20.00} that was charged off and my account was closed. This baffles me, to dohat somebody would close your account over {$20.00}, especially after numerous calls complaints and disputes regarding the account in its entirety. I feel that it is not my fault or issue or problem that BBVA merged or was bought out by PNC during a fiasco that left me with a closed bank account, {$20.00} going to collections, and hard work and research, trying to figure out a resolution in order to present to PNC. There is not one individual who tried to make one effort to help me solve my issue, in fact it seems a little strange that whenever I try to let them know that there was a mistake or a problem, my account was closed immediately. I feel that I'm owed {$200.00} from PNC because they bought BBVA and BBVA did not finish their part prior to the merge.
Company Response:
State: MO
Zip: 63701
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I'm a married, XXXX XXXX man, employed in the XXXX XXXX XXXX, and I built a home in XX/XX/XXXX. My mortgage is with PNC of Maryland. In XXXX, the homebuilding industry collapse and I started experiencing some financial hardship. In XXXX, while still making mortgage payments, I met with PNC to discuss refinancing my 6.6 % loan. Instead, PNC encouraged me to apply for their " Hardship Assistance Refinance Plan ( HARP ). I was instructed to apply for the HARP and a decision would be made within 2-3 weeks. I was told the process was similar to applying for a refinance and if I didn't get the HARP, they would already have the paperwork needed for the refinance. The requested paperwork included several months of employment pay stubs, bank statements, years of tax records, etc., and it all had to be " FAXED. '' Although this felt excessive, I provided the information PNC requested. After providing the information and waiting weeks for a decision, I follow-up and was told some of my information was " old '' and I needed to send updated information. I sent the updated information. After waiting several more weeks for a decision, and feeling PNC was giving me the runaround, I followed-up again and this time I was told they LOST all my paperwork and I would have to start the application process from the beginning with more recent documents. Out of frustration and anger, I called Maryland 's highest ranking officer for PNC, XXXX XXXX, President. XXXX XXXX apologized for the poor service I received and assured me the matter would be resolved. She connected me with a local PNC mortgage manager, XXXX XXXX missing last name ). After leaving a message and waiting weeks for a return call from XXXX, we talked and he was also assuring but sent me into their Loss Mitigation HARP system. This unbelievable ordeal lasted over a year. I continued making loan payments and never fell more than 2-months behind. Then the pandemic of XXXX hit and the country shut down. I reached out to PNC, and was told the CARES Act allow me to enter my loan into a " forbearance '' based on the drop in my household income. I entered the forbearance in XXXX for the period allowed. The forbearance was extended and officially ended at the end of XX/XX/XXXX. I reached out to PNC to inform them of my plan to resume my mortgage loan payments and to confirm my understanding of the forbearance plan which was to have the forbearance amount moved to the end of the loan. This is what I was told would happen by PNC. Payments after forbearance, XXXX, XXXX, XXXX and XX/XX/XXXX, are paid in full. However, PNC will not move my forbearance amount to the end of the loan. Instead, per PNC, they applied my " after forbearance '' payments- XXXX, XXXX, XXXX and XX/XX/XXXX - to the forbearance. This is not what I was lead to believe would happen. Yes, there have been many changes in the laws during the pandemic and the forbearance was extended. Everytime I speak to someone at PNC their policy seems to change daily. They are making this situation continually UNBEARABLE. Again, based on several conversations with PNC, my forbearance was to be moved to the end of my loan. PNC is not abiding by what they told me. They want me to pay the full forbearance amount and they will not move it to the end of my loan. The other option PNC offered is for me to apply for their Hardship Program- with no guarantee of approval. Been there, done that with them. All smoke screens and delays. I strongly believe this is another one of PNC 's delay tactics in order to try and take my home. Different people at PNC tell different stories. I just want PNC to abide by the forbearance program rules and move the forbearance to the end of the loan so that I can resume making my monthly mortgage payments. Ideally, I want to refinance the loan at the current market rate. Please help.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I lost my debit card at my job in the mall and someone must have picked it up and then I noticed that there was sever thousand worth of purchases over the course of XXXX XXXX that were unauthorized and I was not in the state at the time I was visiting my cousins wedding in XXXX, ( fraud happened in XXXX ) the bank had refused to accept my dispute over 4 times now. Each time with a XXXX reason like, seller contact when I reached out to see if they could help and they used that as one way to deny it. I just want my money back.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX, & XXXX I was scammed by a person pretending to be the owner of a property that I saw in XXXX. I was desperate looking for a house for rent and came across that website. I read the add of a house for rent and I asked to look at it and 30 minutes later the supposed owner contacted me via email. I read what I needed in order to rent it. I even looked up the owners name and the scammer made me believe he was that person. I sent {$2500.00} in the matter of those 3 days. I was sent an email that it was a scam. I didn't want to believe at first. But unfortunately it was true. I contacted the supposed owner and he answered I begged him to please send me my money and he assured it wasn't a scam. I never heard from that person again. I called the number and so did a friend of mine and the number was already disconnected. My mistake was sending the money through XXXX. I right away called my bank and made a police report. The bank was very mean to me. They said that I shouldn't of sent the money if I didn't know the person. I tried to explain and they didn't listen until I called the XXXX #. I have the bank the police report number and I told them I had also reported it to the FTC. The bank said they world investigate it which I feel they never did. I called 3 or 4 times because I was denied. A bank manager was supposed to call me and they never did. I had lost a family member during all that chaos and explained that the scammer took advantage of my situation because I told the scammer that I hoped they weren't fraud because I had just lost a family member that was like a father to me and they acted like they cared. I have texts, emails, and the screeshots of what I sent the money for. I know its my fault but I had all the evidence I could possibly share. I felt that the bank was pointing fingers at me that I was part of the scam. I just went back to work after a month of being jobless. I opened another account at a different bank because I am closing the account with PNC Bank. My only hope is that one day those scammers will be caught.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I began the process of filing for a HELOC with PNC bank in XXXX of 2021 after being referred to a lending agent there. The majority of the process flowed relatively smoothly until the appraisal which was a drive by rather than an actual walk-thru. The appraiser valued my home at roughly {$80000.00} less than its current value. This would have been insignificant, but its being used as a tactic to force me into a higher interest rate loan. I had the former listing agent for the home provide current comps as well as a professional opinion of the current value of the home based on his expertise in the housing market. PNC refused these comps and a walk-thru appraisal even though their appraiser used comps that were nearly two years old and did not enter my home. I have had to submit additional comps today showing that my home is valued anywhere from $ XXXX {$90000.00} more than they have appraised it at and been further delayed while they make a decision on whether or not they will complete a valid appraisal. This is frustrating not only in that they are trying to force me to pay a significantly higher rate due to their failure to act in good faith but also in that they have delayed my kitchen remodel and put me at risk of having the price of it increase due to timing delays.
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After falling foolishly for a cryptocurrency scam on XXXX I tried to recover my money I sent via XXXX to two different fraudulent accounts in the amounts of {$500.00} and {$2400.00}. I contacted my bank on XX/XX/21 to stop the XXXX payment as they were still pending. PNC bank said they couldnt intervene until the transaction went through, and then I could make a report to try and recover it after they investigated. On XX/XX/21 they closed their investigation and denied my request to recover the funds with no explanation beyond not seeing a reason to do so. They have since frozen my XXXX account, which is inconvenient because thats how I pay my rent, but I am working to get that resolved. The below is the details of the scam I provided to the FTC in my report So a friend of mine, XXXX, posted about some cryptocurrency investment on XXXX- I found out later his XXXX account was hacked, and this was not him who posted this. I asked who I thought was XXXX about the post, and he directed me to someone named XXXX XXXX on XXXX who claims to be a cryptocurrency trader. This person claimed to work for a company coin-hourly that does rapid cryptocurrency exchange, something I know zero about. He told me to make an account with the website. I did. Then I was to send {$500.00} to XXXX XXXX via XXXX- the associated info is XXXX and phone number XXXX according to the XXXX account. This was supposedly his XXXX. Afterwards I sent {$2400.00} via XXXX as my investment to his associate XXXX XXXX- the email associated with that XXXX is XXXX. I received an email from XXXX saying that my investment had generated profit and for me to withdraw it I need to confirm my account and pay the commission of {$600.00} via the XXXX XXXX to some account XXXX. So I did that. It all happened very fast - there was a lot of back and forth and screenshots shared between me and this XXXX XXXX person to move this all along quickly. I was suspicious but I messaged XXXX through XXXX and he reassured me multiple times, but I was suspicious because the pattern of response didnt seem like him. Then, I decided to message him instead through XXXX. At which point, the real XXXX told me that his XXXX got hacked the day prior and he was locked out of it, so whoever I was messaging with on XXXX was not him. I confronted this XXXX XXXX via XXXX to ask for my money back, and as expected that has not happened. Ive saved most of the conversation through screenshots if you need them Thank you
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A