Date Received: 2021-12-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was instructed by PNC BANK Mortgage Loan Officer XXXX XXXX ( XXXX ID XXXX ) to complete a Homebuyers course offered by XXXX XXXX. Upon completion of this course that took multiple hours to complete, I was promised a {$1000.00} grant. I passed the course with a XXXX score, and received a certificate indicating I completed the course. As of XX/XX/21, PNC Bank refuses to honor this agreement, because they decided on that day that they will not proceed with my loan application. PNC Bank has lied and reneged on my loan application two times in the past 90 days, and now they refuse to honor the compensation that was agreed upon for my participation and completion of this course. I want the money that is owed to me for my cooperation and time.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am requesting that you ( XXXX XXXX @ PNC ) send me something in writing showing where PNC tells the homeowners at the time of making the arrangement for Partial Claim that they could potentially lose their homes in the process due to impediments, lien, lis pendens, or anything of this nature. I don't recall anyone mentioning this to me over the phone when I made the arrangement at the beginning or the end of the arrangement and I don't recall seeing it in writing. Maybe if I had known this at the time, I would have figured something out while going through difficulties during the pandemic. As I stated before, it seems to me that PNC wants the customer to lose their home. Nothing was ever indicated that I could possibly lose my home if I opted to take the moratorium during the initiation of the partial claim process of this loan. PNC made it seem as though I would be able to get back on track once the moratorium ended. It was never indicated or mentioned that foreclosure was an option. A letter was even mailed out stating that I had been approved for the partial claim and then it was retracted. Now you've sent a demand letter dated XX/XX/XXXX the same day I called to make an inquiry and threatening demand and foreclosure of my home loan. However, on this same day at the time, I made the call I was told the home was not in foreclosure and that it was still in review two days later I received the demand letter. This is not the first time I have had issues with PNC keeping with their arrangements and/or agreements. I had to report them several years back regarding another issue during Hurricane Harvey. This is also not the first email sent to you ( XXXX XXXX at PNC ). You never responded to the previous email sent out and have taken only one of my calls in which I found flippant and not taking my situation seriously. This is my home. I have been here for going on 19 years and to have someone make light of my situation is appalling. My other attempts to reach you are always redirected to someone else. The one agent XXXX saw the email and sent me to someone in your Loss Mitigation department named XXXX who claimed she didn't see anything there. I have since gone to a PNC location and faxed the first email to you with the email address that is given for you in the email. So, this is proof that PNC did receive the first email. But if you don't receive this one, I have sent it to other entities that may be able to assist me. And furthermore, for reference, the HOA also filed the XXXX XXXX during the pandemic. This should attest to something. Everyone knows that people were having difficulty during this time. Why would this XXXX XXXX even be considered especially since it has been determined that there are no liens associated with the property and that there are egregious claims that my attorney has substantiated in her letter along with other documents? In the meantime, I have resumed making regular mortgage payments on the loan.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am a joint owner of a HELOC loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and HELOC loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local PNC bank branch and changed the contact information associated with the HELOC loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by PNC that these actions occurred. I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly 100 points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account 60 past due. I immediately paid the past due balance and notified the bank of the issue. PNC confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper PNC process and was denied. At no point did PNC contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I got behind on my mortgage do to XXXX and medical problems and we took in a XXXX XXXX. I have since fixed the problems and am able to make my payments but I am not able to make the XXXX PNC is asking for. I have called to make arrangement maybe to pay this over a 6-9 month period to get caught up but they told me I could not. I do have some of the money to pay now but they wont take anything except the full payment. We have lived here 27 years and I do not want to lose our home. We are hard working and have had some bad luck but I have no doubt I can get this turned around if they would work out an agreement to let me pay it back in 6-9 months. I can not do it all at once- thank you for your assistance
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: made depsosit XXXX mos ago still on hold when they sent me letter sayinng hold only 10 days in violation of law they never sent me letter of extended hold they will not release my money almost XXXX mos now on hold
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My BBVA account was recently acquired by PNC Bank without my knowledge. PNC Bank failed to notify me of the acquisition as well as any chance to avoid fees. Therefore, I had no chance to avoid the fee of {$2.00} for sending me a paper statement. This paper statement was the first notification I received from PNC Bank. When I called and asked for a refund, PNC Bank refused to comply stating that the fee had been " properly assessed ''. I did not have paper statements when I was with Simple nor did I have paper statements when I was with BBVA. I have closed out my account with PNC as of today ( XX/XX/2021 ) so that they can not charge me any further fees they have not properly notified me of.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good Morning. PNC transitioned BBVA customers to their systems on XX/XX/21. Some of our accounts were migrated, but two of them were not. I contacted XXXX ( XXXX ) @ PNC on XX/XX/21 ; she acknowledged that there was a problem and that she would get those two accounts migrated. She said it would be done by XX/XX/21. This did not occur. I contacted XXXX the following week ; again she looked into it and it would be corrected this time. We still were unable to access these two accounts. On Saturday XX/XX/21, I was contacted by XXXX XXXX. I worked with XXXX all day XX/XX/21 ; the two missing accounts were finally brought over. They were brought over as 'Virtual Accounts ' and not real checking and savings accounts. We were unable to view any transactions, transfer, withdrawal, or do anything with these accounts. I sent screenshots documenting these issues to PNC. There was no change. Starting XX/XX/21 through today ( XX/XX/21 ) i have worked with XXXX XXXX. He has been unable to get these accounts corrected and gives me indication that they are correctly listed as 'Virtual Accounts '. I have explained that they are not anything like the accounts were before and we can not access anything related to them. It should also be noted that a week prior to the transition we lost our ability to send Bill Payments from our accounts. It has been 65 days since we have had full access & functionality to these accounts. I have spent a minimum of XXXX hours trying to resolve this issue.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had a personal checking account with " PNC bank NA '' ( web site http XXXX XXXX ) for 14 years. It has always been in good standing. On XX/XX/XXXX I noticed suddenly I was not able XXXX access my account on line. ( It has always been working for me without issue ). I immediately went XXXX the local branch XXXX find out what was going on. The representative at the branch was helpful but she does not know what's going on either other that the current status of the account is " closed ''. Later she found out from the note a cashier check is being mailed XXXX me. I was in shock. How come in a sudden my account is closed?! It was in good standing with a balance! I called the back office with the reference number she gave me XXXX the back office rep. told me my account was closed XXXX " PNC does not want XXXX share the reason with me " XXXX that was final. On top of the huge disruption XXXX my business, I also feel being violented. My human right is violented by the PNC bank. I am looking for my human right protection from CFPB. XXXX proper compensation for my loss from the PNC bank.
Company Response:
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I tried to complete my payment on several occasion over the phone unfourtunaly my job XXXX make me very dificlt to attend to the branch, PNC happen to acquire BBVA bank and the transition process has been horrible, I havent received my debit card or my credit card in the mail, I have tried several atempts to get it to my address, last atempt today they make an appointment at XXXX at a branch that only friday closes at XXXX, I tried to pay with my debit card over the phone calling the branch and been directed several times to the costumer service, costumer service pass me to credit card care department and they are not able to receive my payment with a debit card, they said their system dont allow them to receive a debit card payment, I receive the same response from costumer service one time one costumer service told me to doit in the website of PNC or with the mobile phone banking in the phone and follow his instruction they are not able. This been a horrible experience, now they posted a late payment in my credit report with a drop of XXXX point in my credit report. I called again costumer service in a recorded line and I am now able to pay. I will need to loose a day wage in order to go and make a payment and now my credit its been affected in a irreparable way. On top of this its almost XXXX min for everytime to talk to a representative.
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A