Date Received: 2021-12-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I received a letter in the mail from PNC Bank dated XX/XX/2021 stating that I recently opened three PNC consumer accounts on XX/XX/2021 in accounts ending in XXXX, XXXX, XXXX. I DID NOT. My name and address was stolen off of the XXXX The State of New York website last XX/XX/2021. My name and address was being used to try to file additional claims. I had my credit frozen immediately for 1 year. I just spent over an hour on the line with customer service with PNC Bank call center at XXXX with a XXXX who instead of reporting a fraud claim was asking me questions such as my birthdate ( which I gave him ) and my social security number. At that point a red flag flew up and I stated absolutely not, you are not getting my social security number, as your bank just opened 3 accounts under my name and old address without it and I do not know of this bank or trust you. He then stated that it would be up to 30 for a fraud specialist to call me back. He also has my cell phone number now. He finally gave me a file number of PNC XXXX, after I became upset because these accounts would be open that entire time. He told me to go into a branch in XXXX XXXX XXXX to close them if I wish. That is 300 miles away from where I live, and I am petrified at this point that he and the PNC Bank are even legit.
Company Response:
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After traveling 17 miles to the closest branch, and making a deposit to bring my account current, all funds are not being held for up to five business days after I have already verified the funds availability prior to deposit.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a mortgage payment on XX/XX/XXXX for {$2200.00}. Payment due was for Principal {$1100.00}, Interest of {$7.00} and Escrow ( Taxes and Insurances, Homeowners and Flood ) for {$1000.00} additional principal of {$.00} to be applied to the Principal Balance. Remaining Principal Balance on the mortgage statement is {$1600.00} expected payoff is XX/XX/XXXX PNC Mortgage applied the payment of {$2200.00} without ever contacting me as follows : Principal {$1600.00} to payoff the loan interest and remaining added to escrow. They have violated consumer protection and finance laws based on misappropriation of Escrow funds and applied them to payoff the loan. I called and got a response that I would get an escrow refund in 20 days, I asked them to appropriately apply the principal payment of {$1100.00} leaving a balance for the XXXX payment and apply the total {$1000.00} to my escrow account. They refused and said the account is now closed.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I took out a loan on my XXXX through PNC bank. When I left employment with PNC on XX/XX/XXXX, I was given a letter with instructions to pay off the remaining balance with a due date of XX/XX/XXXX. There was not an ability to repay the XXXX loan via electronic transfer of funds, and the form had instructions to follow ( attached ). Following the instructions, I remitted a Cashier 's Check drawn on a PNC bank with PNC INcentive savings plan as the payee in the amount of {$28000.00}. The official check number on XX/XX/XXXX. I then sent the check with the documentation via USPS tracking #. The tracking numbers indicate that my check and its contents were delivered on XX/XX/XXXX. This was two weeks in advance of the XX/XX/XXXX due date. I contacted PNC on XXXX and on XXXX as the online account was not reflecting repayment of the loan. I was advised on XXXX that the item was received and an image was present on the account, and that the payoff would take a few days to clear, which seemed reasonable. I contacted PNC again on XXXX and was told a different story. This time i was told that they only process the check on the due date on XX/XX/XXXX, and that it would not post early. I contacted PNC again on XX/XX/XXXX and was told that it could take up to a week to reflect on the account. I contacted PNC again on XX/XX/XXXX because I received a notice of loan foreclosure for non-payment as well as notification that the IRS would be receiving a 1099R for the amount of the loan default. I was advised a different story again- i was not given a number to call them back directly. I spoke with a supervisor XXXX ( no last name given, no direct call back number given when asked ), who advised that he could see the funds received but it was never reviewed and therefore funds not posted. He promised me resoltion. I contacted PNC today XX/XX/XXXX and no activity other than a case # has been taken on my account. This is beyond the pale. PNC has had my loan repayment for 30 days, has not processed it, and this is costing me lost earnings on my money, but more importantly potential tax liability issues with the federal government. PNC has a duty to process my funds timely. I have photographs and copies of all documentation and tracking num
Company Response:
State: OH
Zip: 44011
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I entered the PNC Bank, in XXXX, GA to make a {$9900.00} cash deposit. At this location, there are no bank tellers. I had used this branch to make a case deposite approximately two weeks prior. Following the instructions on the ATM, I was instructed by the live video teller, whose name is XXXX, to deposit the entire amount. I questioned this because I had been informed before that the machine could not handle large amounts of cash at one time. He told me to disregard that information and make the deposit anyway. I inserted the entire {$9900.00}. The machine door closed and the machine started counting the money. Suddenly, the door opened and the money was ejected from the machine. I pulled the large wad of bills from the machine, then it " spit '' several bills out. Those bills were crinkled, like the machine jammed. Then the machine went blank, and the teller was gone. The machine rebooted. An employee at the bank came out and we counted the money, and I only had {$9100.00}. I logged back into the machine and another teller appeared on the video screen. I explained to the teller, XXXX, what happened and she said there was no record of any previous transaction and there was nothing that could be done to retrieve my missing {$800.00}. The Branch Manager XXXX XXXX came out and we discussed the issue. XXXX XXXX said that she would handle the issue through a dispute. I asked that all of the information be provided to me in writing. I asked that she e-mail it to me. With XXXX still on the machine, I deposited the remaining {$9100.00}. In hindsight, I should have called the police and obtained a police report. Approximately an hour later, I received a phone call from XXXX XXXX with PNC. He informed me that it would be at least 10 business days until the dispute could be processed. He never mentioned returning my money. I asked that he e-mail me with the steps in the process. To date, I have not received anything. On XX/XX/XXXX, I e-mailed XXXX XXXX to inquire about the missing funds. She has not responded either.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX is not resolved. The company keeps having XXXX call and harass me. But I worked with her before and it ended in a screaming match. She doesn't have my account 's best interest at heart. I have a pending credit of {$44.00} that is showing on my account activity but the money isn't in my account. Where is that money? And where is my refund for the {$110.00}? Can something else be done to this company instead of them getting constant complaints and then choosing to do all they can to pretend they are fixing things when they don't and won't.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2021 Checking account {$460.00} self service wire transfer out {$25.00} wire transfer fee XX/XX/2021 Savings account {$150.00} wire self service transfer out {$25.00} wire transfer fee PNC BANK XXXX XXXX XXXX XXXX Bank account was hacked. Notified Bank immediately. Was told 10 days to have my money returned. Then told 45 to 90 days. Now told possibly never. I can not get any information about this case. Please respond ASAP. Already filed dispute with FDIC. Waiting on response. Thank you
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We opened an HELOC in XXXX. We wrote two checks against it, dated XX/XX/XXXX & XX/XX/XXXX. It was payments for purchases/services. They were not cash advances. HELOC 's apparently are very different, so the cash advance designation remained. We were making payments on that obligation. Then, I got diagnosed XXXX. My remaining life expectancy was 6 months to 2 years. XXXX has no cure to this day, expect a XXXX transplant. My chances for a transplant were negligible. It was 'first come first serve '' operation and I was at the end of a very long line. What saved me was a new law ( XXXX, XXXX XXXX XXXX XXXX ) passed in XXXX which altered how transplant recipients were prioritized. I was XXXX at the time, and otherwise healthy. I jumped in front of the line based on the XXXX. I am a blessed man. I underwent a XXXX XXXXXXXX transplant in XX/XX/XXXX. Post-transplant life has been extremely gratifying, and equally challenging. Recovery has been even more challenging due to chronic rejection. It took years before I was able to get back to my wordily affairs. I was startled to see our HELOC balance at {$99000.00} on statement dated XX/XX/XXXX. We had made every payment since XXXX and expected the balance to be much lower. Since, I have been requesting information from PNC about why our balance is so high. It took years but it was identified that that there were two additional checks written on XX/XX/XXXX and XX/XX/XXXX. Both were listed as " Convenience Check XXXX MI ''. We did not write those checks. We have been asking for years if we can get copies of those checks. We have not missed a payment. This morning ( XX/XX/XXXX ) we received a call form PNC representative to discuss the issue. He concluded the conversation by stating that PNC is only obligated to provide copies of the documents for 7 years so they will not provide us the check copies. Also, if we stopped making payments, they will take us to collection. We have all supporting documentation, if needed. Please advise if you can help us in resolving this matter. Thank You.
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Going into early 2021, up until XX/XX/2021, I had a business banking account with XXXX, owned by BBVA. BBVA recently merged with PNC in the US, and I needed to get statements for the account, so I attempted to contact the last number I had for XXXX. It told me that it was a BBVA number, and that BBVA is now PNC, so I contacted PNC customer service. Upon contacting PNC customer service on XX/XX/2021, I told them my situation and that I needed statements for the account. After waiting on hold for about 20 minutes, the representative came back and told me that she couldn't find an account with my business ' name on it. After spending about another 20 minutes searching to see if I had any old documents related to the account and not finding any, we agreed to end the call. By law, banks must provide customers statements from their accounts, and the fact that they have no information about an account is extremely scary.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have called PNC numerous times over the past few weeks to ask them to apply my payment. They continue to hold my payment ( {$2100.00} ) in some suspense account. As seen in the yellow circles, I have made a full payment with my two biweekly payments. You can also see that they typically apply that payment right after they receive both halves. This month they have been holding both halves of my payment for over two weeks. Ive called XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. They still wont correctly apply my payments. Their system also undid two separate principal only payments that I made. Once for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both of the screenshots show that I wanted these applied directly to the principal but they reversed it and moved the funds to a suspension account. I respectfully request that they correct everything and get my balance updated properly because interest is getting calculated on the outstanding balance. But because they are refusing to apply the payments I sent the interest is being calculated on the wrong amount.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A