Date Received: 2023-11-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My situation is that every month I was fined late fees and interest charges by PNC Bank because auto pay was not working in spite of me having set it up and every month I called customer service and they guided me on the phone while I was online to set up recurring autopay. It never worked and I was fined multiple times by the bank for no fault of mine. After registering a complaint with CFPB, the bank finally fixed the issue with recurring autopay and now autopay works as stated, at least it has worked last month. While they have fixed the issue so it won't recur, they refused to refund me the fees that was charged due to the fault of the bank. Not only that, the bank refused to go over the recorded customer service phone calls in their possession which clearly show that I followed the process for payments as guided on the phone by their own agents who promised me the payments I made would go through ( but didn't eventually ) Credit Card ending in : XXXX
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On about XX/XX/XXXX I wrote a check to XXXX XXXX for {$2800.00}. The check was inadvertently deposited and cleared my account for {$3.00}. I was asked to provide a subsequent check for the difference of {$2800.00}. I wrote a XXXX check and this amount cleared my account. During this time, I filed a dispute with PNC to see what happened with the original check. On XX/XX/XXXX a debit adjustment was made on my account for {$2800.00}. I immediately called PNC to figure out what this adjustment was. I was told this was for a correction to the original check. I was told the adjustment could not be called back and I would need to contact XXXX XXXX to have them refund me for a duplicate payment. I contacted XXXX XXXX and was told they had not received funds. Over the course of the past 2 weeks I have gone back and forth between PNC and XXXX XXXX and was told the funds were sent by PNC but was told by XXXX XXXX the funds were not received. I visited a PNC branch on Monday, XX/XX/XXXX and worked with a banker to try to resolve this issue. He called the adjustments department and advised me PNC was waiting for XXXX XXXX to file a dispute on the original check which deposited for {$3.00} and the funds were basically sitting there. No one prior to this conversation provided me with this information. He was able to have the funds " forced '' out to XXXX XXXX. The next day, I received a call from PNC, advising me the funds had been sent to XXXX XXXX. This is not the bank XXXX XXXX does business with. I again called PNC, and was told because the bank XXXX XXXX does business with the fund had to be routed to XXXX to further transfer these funds to XXXX XXXX. It has now been 5 business days since I was advised these funds were sent out and XXXX XXXX has not yet received these funds. I have been contacted by a complaint manager named XXXX with PNC and was advised she would be researching my issue as of Wednesday, XX/XX/XXXX. I reached out to her today and was told she has no updates. PNC has not provided me with information on this transaction and can not track these funds after they were supposedly sent to XXXX XXXX.
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Our checking account with pnc bank was hacked and money was taken out in amount of $ XXXX to $ XXXX and they had our social security numbers and address and phone numbers police report was filed on this to where we live pnc had copys of this information to know I didnt make this up and they just closed our account with them made us feel like we did something wrong wouldnt even listen to our end sent us to collections so now they are included on our XXXX XXXX bkt we are in process of filing they have said negative things on our banking history trying to prevent me from opening another somewhere else I need that information deleted from my banking history report and marked correctly
Company Response:
State: OH
Zip: 45431
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Trouble during payment process
Subissue: Interest rate
Consumer Complaint: I received a XXXX of a Loan Modification from PNC. I never requested for a loan modification and recently the State of Maryland just paid the outstanding balance I owed to PNC. Why am I receiving a loan modification when I never asked for one with an interest rate of 8.125 %. I was already in a loan modification where my interest rate was 6.875 %. I want to what communication did they had with me assuming I requested for a loan mod when I did not. The payments PNC received from the State of Maryland should have resumed the most recent loan modification already in place. I do not request a loan modification. I need to see how the {$12000.00} payment was applied to my loan from the State of Maryland. Also the loan mod still says XXXX recovery, what is it recovering because the interest keep increasing to where it is not affordable? How was the money applied? Who authorized a loan modification when I did not?
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: On XX/XX/2023 I submitted an inquiry to PNC Bank on our HELOC regarding the payoff amount for our loan. I received a figure that was good for that day and I subsequently paid the amount shown, {$61000.00}. To my surprise, this created a credit on the account in the amount of {$110.00}. I waited over XXXX months and the credit never went away so I wrote a check against the account for that exact figure, {$110.00} to XXXX out the balance. About a week later I received a check ( advance ) from PNC for {$110.00}. I did not cash the check and called them to instruct them to stop payment. I was told it would be handled but could take up to XXXX days! In the meantime, PNC was charging me interest on the {$110.00} even though I never cashed the check. Some weeks went by and I started to receive late payment notices, calls from debt collectors, so I called PNC again to determine the status and they had no record of my previous call or instruction to stop payment. At this time I asked for a supervisor to and of course none were available. The next day I got a call from an individual name XXXX who told me he would handle the stop payment and assured me nothing would be reported on my credit or go to collections. XXXX was able to stop the payment ; however, the interest that accrued on the check I never cashed was not waived and I waited another month anticipating that would go away as there was never actually a balance in the account to accrue interest on. Fast forward to a couple of weeks ago and now my balance continues to grow and I am being assessed late payment penalties. I have given up on PNC to correct the issue so I pay the balance due ( total balance outstanding ) of {$1.00}. It's not much but I don't actually owe them that. After the payment clears I check back and somehow I owe an additional {$.00}. Frustrated, I go online to make another payment and I can't. I can not make a payment less than {$1.00} nor can I schedule to pay the balance due, the website simply doesnt allow me to. I call again, ask the lady to waive my balance of {$.00} so this can go away. She happily submits the request and told me it will take up to XXXX business days to process. We are now sitting at XXXX business days still with no resolution and more late payment notices. Finally, I check online today and the balance of {$.00} is still there, so for the heck of it I check the payoff amount and its {$100.00}! Why? If this isnt fraud I dont know what is. I am not closing the account merely paying off the balance and I only owe {$.00}. At this point they have given me incorrect payoff amounts, sat on my money for over 2 months, charged me interest on checks they sent me I never requested or cashed, and continue to assess late fees and penalties for money I don't owe them. The kicker is I've called them at least XXXX times and no one can resolve this for me.
Company Response:
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a PNC Bank virtual wallet checking account ending in XXXX. I scheduled external transfers to move the money out of this account to my XXXX XXXX account. There are XXXX major issues : XXXX ) PNC has put the limits on external transfer- not good. XXXX ) Even when the transfer is done or failed- the status on PNC 's side is wrong. External transfers are unpredictable. When reached out to PNC- they have no way to cancel the transfers or help me.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below PNC BANK XXXX
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This matter arises from PNC Bank , National Association breach of contract security agreements, violations of Truth in Lending Act ( TILA ), violations Fair Credit Reporting Act ( FCRA ), fraud, gross misrepresentation, tender of payment obligation, unjust enrichment, defamation of character, Slandering and Libel, Extortion, Conspiracy, Racketeering, GAAP Fraud negligent and Civil liability for willful noncompliance with the law. 6. Carlyne Desir signed the Security Agreement contract under non-disclosure, false pretenses, and fraud with PNC Bank. PNC Bank violations of Truth in Lending Act ( TILA ), TILA required full disclosure. As a result of PNC Bank breach of contract security agreement, I have been damaged.I would appreciate for PNC Bank to reimburse me back ALL my money and pay total sale price of contract {$69000.00} or I will take court actions with legal fees {>= $1,000,000} ( XXXX XXXX Dollars ). All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated! Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full Christian/Family name under penalties of the Law, including but not limited to perjury. My federal court XXXX lawsuit against XXXX XXXX for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX Your prompt attention is appreciated. See AFFIDAVIT OF TRUTH AND FACTS attached.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: starting with date XXXX XXXX for XXXX was paid at a XXXX XXXX. multiple more items from XX/XX/2022 until XX/XX/XXXX when we closed the account. All were ach ; s such as a XXXX ach, plus many other web payments specified. There are way too much to list. The was also directg web payments not done by me. The total amount of money aken from the account was XXXX of what I was able to determine. PNC will not refund close to XXXX of my money. This has been going on for 14 months in which they only sent a check for XXXX. They claim they closed the issue and will not return or credit the rest of the balance. They are claiming the the money not refunded was done by me. It was not. People were paid with my money out of state including mortgage, credit cards car loans etc.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: PNC Bank issued the loan for my new XXXX vehicle and since the inception of this loan, they have consistently FAILED to provide the monthly statement/payment forms in a timely manner. With my monthly payment due onthe XXXX ofthe month, PNC typically mails these AFTER the XXXX of the month- meaning I do not recieve their statement until about the XXXX to the XXXX of the month which makes it difficult/sometimes impossible to sent the payment in time to meet the monthly due date of the XXXX!!!!! I've spoken with them on several occasions about this to no avail. My concern is that THEIR TARDINESS results in my payments being " overdue '' and late, with the subsequent negative reporting to the Credit Reporting Organizations! My understanding is that there is a REQUIREMENT for the lender to provide the billing statement so that I RECEIVE it a minimum of 10 days prior to the due date. PNC Bank has NEVER EVEN COME CLOSE TO THIS! They barely even mail it out 10 days prior to the due date, thus putting my credit rating is at risk due to THEIR DELENQUENCY!!!!!! Can you HELP??
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A