Date Received: 2021-12-20
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/XXXX around XXXX central time, I submitted payoff payment in the amount of {$5200.00} to PNC Bank online. PNC 's system duplicated my payment in addition to giving an online banking exception. I called PNC the following morning, XX/XX/XXXX. The representative informed me I needed to call my bank since it was not a PNC account and put a stop pay on XXXX XXXX the payments. During this same call, I was transferred to XXXX XXXX XXXX. As she requested, I faxed her the XXXX confirmation and exception pages ( attachments A-D ). I voiced concern of a stop pay fee and was told to call her directly if it occurred. On XX/XX/XXXX, I called and faxed XXXX XXXX the transaction list showing stop pay fee charge ( attachments E & F ). Thinking this would be the end after receiving reimbursements and title, however, to my dismay, this horrific nightmare was just beginning. On XX/XX/XXXX, I logged into my PNC online account and it still showed a balance ( attachment G ). I called PNC on XX/XX/XXXX and was told my payment was insufficient. I explained to the representative XXXX payment should've been rejected and was because of the stop pay, however, the other payment was sufficient. Please refer back to attachment F. My balance as of XX/XX/XXXX was {$6000.00}. PNC advised me to make another payment online as this was my only option. I refused for fear of another duplicating error and asked to speak with a supervisor. I submitted another payment in the amount of {$5200.00} with him over the phone. Since I was a BBVA customer, there was no charge for pay by phone ( attachment H ). On XX/XX/XXXX, PNC online was showing a balance of {$20.00} ( attachment I ). I called PNC and was told it was interest. I refuted this interest accrual since I submitted the payoff balance on XX/XX/XXXX. He reviewed my initial duplicate payment complaint and submitted another ticket regarding accrued interest. He informed me I would receive notification via mail regarding the outcome. Another way he informed me I could review the outcome sooner than mail was if I logged into my PNC online account and saw a message that I no longer had an account then the issues were resolved. During this same timeframe, I received a check from PNC for an overpayment refund in the amount of {$5200.00} ( attachment J ). On XX/XX/XXXX, PNC online gave me a message as the representative told me I would see once the issues were resolved ( attachment K ). Understanding everything to finally be resolved, I deposited the refund overpayment check into my XXXX account via ATM on XX/XX/XXXX. After the check posted, I paid several bills XXXX XXXX. On XX/XX/XXXX, I received a call from XXXX informing me of PNC 's stop pay. At this moment, I was extremely embarrassed and horrified. I immediately called PNC and spoke with XXXX. She informed me the reason for the stop pay was because I now have a balance of {$22.00} ( attachment L ). After PNC closed my account, it was reopened. XXXX escalated/expedited my case and instructed me to call back the next day. Because of the stop pay, I accrued overdraft and chargeback fee, totaling {$46.00} ( attachment M ). Please note, my initial complaint was voiced on XX/XX/XXXX and my case wasn't escalated until XX/XX/XXXX. On XX/XX/XXXX, I called and spoke with XXXX XXXX XXXX, Supervisor. At this moment, I was overly frustrated and upset. I broke down. XXXX XXXX provided me the case number ( XXXX ) along with the case worker 's name/number, XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received an email of payment return due to insufficient funds ( another bill I paid on XX/XX/XXXX from overpayment refund check-attachment N ). I called PNC the same evening around XXXX central time for an update. Representative informed me replacement check in the amount of {$5200.00} would be overnighted the next day, Sunday and I would receive it Monday. ( I've never heard of mail being overnighted on a Sunday. ) I also made a payment for {$22.00} ( attachment O ). Tuesday, XX/XX/XXXX, still no check. I called PNC at XXXX central time and spoke with XXXX. She too never heard of overnighting on a Sunday. Because the call was lost on her end, I called back and spoke with XXXX XXXX at XXXX. He instructed me to call the next day to get the tracking number on the check. He also was unaware of overnighting on a Sunday. The next day, XX/XX/XXXX, I called PNC again and spoke with XXXX, Supervisor. He informed me I was only due overpayment for {$0.00} and the fees I've been charged would be for the retail escalation department to resolve. At this point, confused and stressed was an understatement. He did show my loan closed on XX/XX/XXXX. XXXX XXXX and myself have been unsuccessful reaching one another. I emailed her showing BankPlus fees ( attachment P & M ). To this date, I've not received any reimbursement from PNC for the {$35.00} XXXX stop fee charge. My initial XX/XX/XXXX payoff payment was made from my XXXX account. The refund service charge showing on attachment F was XXXX not PNC. I was charged stop pay fee twice so XXXX credit one back. I verified this with XXXX on XX/XX/XXXX. I've also not received reimbursement for XXXX insufficient fund charge of {$36.00} and chargeback fee of {$10.00} for PNC stop pay on overpayment check nor reimbursement for interest payment of {$22.00}. As I've shared with PNC staff, this has been a very stressful and horrific experience for me with sleepless nights, XXXX XXXX XXXX XXXXXXXX causing me to miss going into work and attending church. This has been nothing short of a nightmare. I would've never imagined paying off a vehicle early would result in so much grief. I was a well satisfied BBVA customer. I have no desire to conduct future business with PNC. I was told different things by different people plus the request to share my experience with PNC 's president/vice president was completely disregarded. In the midst of it all, I would like to commend XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX for your empathy. My goal submitting this complaint is for no other customer to experience my experience. Moving forward with PNC with the issues at hand, I would like to request all communication be either mailed to my physical address or email on file. Thank you for considering my complaint.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I did a payment of XXXX $ from XXXX through PNC, but once I did the transaction the person blocked me on XXXX XXXX, I tried contacting on the phone number he has has, but no response, I tried every single way but no response. I tried to raise dispute but my company says that as the transaction was dne through XXXX we can not return the money back.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: The manner in which I could have avoided a service fee for PNC Bank account number XXXX was not explained accurately. In fact, the reason kept changing and came across as deceptive. When the account was opened in the summer a few months ago, the banker made it sound like as long as there would be a {$500.00} ( five hundred dollars ) balance before the grace period for new accounts was up, that the {$7.00} ( seven dollars ) monthly fee would be waived. It turned out that this was not true. When I spoke with another banker sometime in XXXX, she explained that there had to be an average of {$500.00} for thirty days in order for the {$7.00} service fee to be waived. From the time I spoke to this banker in person in XXXX to 30 days later, the {$500.00} balance there was not touched by me at all. That is, I never made any withdrawals from that {$500.00} balance. But my balance in XXXX was down again to {$490.00} because PNC took a {$7.00} service fee out of my account. The male banker in XXXX said that it had to be an average of {$500.00} from the beginning of the month to the end of the month because that was the billing cycle. That was not what the female banker who opened the account said, nor did the second female banker say anything from the first of the month to end of the month billing cycle in XXXX. It was as if it did not matter what I did because PNC was determined to mug me and rip me off out of {$7.00}. I want that {$7.00} refunded to me immediately and sent to my mailing address. PNC Bank is not trustworthy. Their employees ' story ( explanation ) on imposing the {$7.00} service fee kept changing.
Company Response:
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2019 i closed my account with my bank. They actually reached out to me notifying me they were closing it. No rhyme or reason. Closed account snd then sent balance via check but did not receive. Tried resolving and repeated attempts to send and recover payment. Now the bank has been bought twice and i still have not been able to get my money. Ive tried working with the other banks but it has gone no where.
Company Response:
State: ID
Zip: 834XX
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have had online statements with PNC for months. This XXXX they started a new program called Virtual Wallet and started sending paper statements which I did not opt-in to or ask for and started charging fees for doing so. When asked about it, they refuse to make it right. I have attached my statement showing I was not charged this fee last month in XXXX. This is a new change and a new charge.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was attempting to get a medallion signature for my XXXX XXXX annuity claim after his death on XX/XX/21. Not only was I dismissed by XXXX XXXX on multiple occasions, but he was poorly informed and did not provide the assistance needed to get a notary signature. I was an intermediary between XXXX XXXX and XXXX financial. This started in XXXX and required XXXX visits to the PNC bank in XXXX XXXX. The issue was that XXXX XXXX insisted on a complete statement from XXXX XXXX showing the annuity was invested in a security. XXXX stated they could not do that and felt that it was unnecessary. I have XXXX XXXX who did not have to go thru this harassment and were able to get their claim satisfied which is why I am reporting XXXX XXXX 's behavior. Finally, I was helped by someone other than XXXX XXXX and was able to get a notary signature. I was told by XXXX XXXX that a medallion signature was not necessary despite XXXX XXXX 's insistence. All that was required was my driver 's license and validation of my signature. It has been difficult enough to lose my XXXXXXXX and another to be treated with such disregard. I am XXXX XXXX XXXX and have never filed a complaint against anyone. However, his behavior needs attention and XXXX XXXX needs sensitivity training and reeducation on how to handle annuity claims.
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I sold my house and a Pnc XXXX XXXX XXXX was to be paid in full. This was included in my XXXX decree. XXXX XXXX XXXX submitted the payment for the loan to be paid off the date we sold the house XXXX XXXX, 2021 in the amount of XXXX check number XXXX which was received by pnc. I have made multiple calls spending many hours on the phone with them and getting nowhere. It was on an automatic withdrawal on the XXXX of each month. They charged me last month with a fee because the money wasn't in there but they did reverse it so now it's probably going to happen again.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Somebody stole my credentials social etc and now I cant open any accounts in my name.
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I filed two complaints with the PNC Bank ( First dispute XX/XX/XXXX, XXXX XXXX XXXX ) and the second dispute ( XX/XX/2021 ). I had 25transactions with XXXX between XX/XX/2021 and XX/XX/2021 ( Ten cancellations and Fifteen went through ) which matched my account with XXXX. On the other hand, within that time-frame, PNC Bank made 43 transactions in my Checking account ( Ten cancellations and Thirty-three debited to my account ). I filed a dispute, but XXXX of the Executive/ Client relations was adamant and reluctant to reach out to XXXX and sort out thing. Rather, she wanted me to identify the disputed transactions which was totally impossible based on the posted dates and reference numbers. The second dispute was on XXXX for {$54.00}, after a transactions was not processed by XXXX. Then I filed a complaint with the XXXX and FTC. The FTC told me that they addressed issues with corporations, not individuals. Then I received a call from XXXX XXXX PNC Bank Executive/ Client Relations, yet faced the same obstacle. Went to their local branches here in XXXX XXXX, MI, the same stumbling blocks. Finally, I reached out to the Michigan DA 's office, which promised to forward my case to the Comptroller of the Currency office i XXXX, TX. Haven't heard anything from them yet.
Company Response:
State: MI
Zip: 495XX
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A