Date Received: 2023-11-08
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: The HELOC I had with PNC Bank was paid off ( refinanced due to better interest ) by XXXX. During the payoff process, I made a regular monthly payment so my credit would not be affected which resulted in a credit balance of {$110.00} once payoff was received from XXXX. PNC charges an annual fee of {$50.00} for their HELOC. I visited the local branch on XX/XX/23 to make sure the HELOC was closed and spoke to a manager to collect the {$110.00} overpayment. He said that PNC would send a check. I questioned the {$50.00} fee, which is for the incoming year, and he said it would not apply since the account was closed. I received the refund check which was {$50.00} short. Immediately I called PNC customer service, XXXX XXXX indicated it must be an oversight and forwarded me to their support department. Days later I received contact from XXXX. Explained the whole situation and he agrees it must be an oversight but he would forward my information and plead my case??? to get my {$50.00} refunded. I received a call back after several days from XXXX stating that PNC would NOT be refunding my {$50.00} fee because the payoff received from XXXX was not posted until after the payment notice from PNC regarding the {$50.00} fee. According to the Statement dated XX/XX/23, the fee was due for payment on XX/XX/23 which was AFTER my account T was fully closed. I have Documentation verifying my claim for PNC to refund my FULL overpayment {$110.00} less {$69.00} received leaving a balance of {$50.00} they still owe me. Please advise if you want copies. I know it is only {$50.00} but the matter is that they are wrong and possibly illegal for keeping it.
Company Response:
State: NC
Zip: 27530
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I tried to dispute a transaction for XXXX from XXXX XXXX which was unauthorized and PNC refused to dispute it! XXXX posted and app wouldnt let me dispute!
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/ PNC said there was a delay and would have my deposit by XXXX XXXX yesterday and still no money.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Hi there is a issue.I paid the XXXX but was approved by XXXX scared water would be shut off.can you refund me the one I sent so the XXXX XXXX approved me of can be added to account? I also was able to get a check number for the XXXX so it would be over XXXXSo if you could return my payment to me the visa card XXXX or reject it with the payment from pnc XXXX XXXX office paid the XXXX. XXXX is a program that helplimited income people.It was a crisis grant.They paid the balance for XXXX also sent a payment.The city claims no we will not issue my XXXX because we don't issue refunds even if it is over paid.That would become XXXX paid XXXX they refuse to issue a refund.I am limited income and can use that for my electric and gas bill.So to force me to be with out my money is not right.The government paid the balance.Also they claim my highmark insurance issued a XXXX check.They stated they never got it.But it was also cashed and never put on my account.I have tried to get my money XXXX the XXXX paying XXXX plus the XXXX from my insurance that leaves a balance of XXXX. In credits. Now keeping my XXXX The XXXX would make my balance XXXX that they are forcing to keep from XXXX get XXXX a month so I need my payment back.so I am asking for help to recover my XXXX payment. So they can't force keep my money.
Company Response:
State: PA
Zip: 17602
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: In XX/XX/2023, PNC Bank took over our Mortgage Servicing from XXXX XXXX XXXX. During this Transfer, the account/routing number was transferred incorrectly, and as a result we were required to make a manual payment, visit a branch, and reach out to their service team on multiple occasions before they would accept our original billing information as an acceptable method for our recurring payment method. This was only the first of a multitude of frustrating and time consuming interactions with PNC, a servicer we did not choose or wish to work with. It took several weeks and many attempts for them to recognize our automatic payment method. On XX/XX/XXXX, I received a letter stating that Hazard Insurance coverage verification was required for our property insurance to confirm our coverage. This was sent as a letter to us, and was put on us to resolve, requiring yet another call. PNC has the name of our insurance company and could have verified this themselves. I spoke to an agent who said they would confirm with our insurer and let me know- I never received a call or email to confirm. This was never an issue with our earlier insurance company. On XX/XX/XXXX, I received an escrow account statement including a check for {$6300.00}, leaving an {$860.00} balance in our escrow account. Our escrow total requirements were calculated on the previous owner 's reduced tax bill of {$1400.00}, leaving us without sufficient escrow balance to pay our property tax obligation of {$4300.00}. I called PNC - again - to see what to do with this - the value of the check had already been debited from our account. I was told to deposit the check into my checking account ( due to the amount I had to go in person to a branch of my XXXX XXXXXXXX XXXX to do this, taking more time out of my day ) and then to pay it back to PNC to my escrow account. I have no idea how PNC would pay into just the escrow, so I asked if I could pay the property tax directly to the city and then resolve this with PNC afterwards for the following year. I was told this was OK. Today XX/XX/XXXX, I intend on making the payment to the county. Out of concern/hesitancy I check the PNC account and see a disbursement was made XXXX for the property tax bill, with an " escrow advance '' from PNC of {$2700.00}. I check the county tax register and the tax bill has not been paid. I call PNC and speak to a supervisor who tells me that this is covered by PNC ( I check to confirm that this hasn't come out of the account we pay our mortgage from ) and am given a very vague answer and told to call the county myself to check on the tax status. I ask if our payment obligations monthly will be higher to account for their error to make up the {$2700.00} " escrow advance '' to resupply the escrow for next year. They don't know and apparently " are working on it ''. At this point I don't believe my taxes to be paid and I do not know what escrow payment I can expect and PNC representatives are kind but frankly unhelpful. This was never an issue with our previous servicer who we rarely spoke to and paid our tax bill at the {$4300.00} accurately and on time.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Provided mortgage servicer with requested documents several times for over 6 months. They have been asking for the same documents pertaining to my income for months. I have provided them with every document they have requested. My mortgage assistance request is being processed by loss mitigation. I was served with documents for court for a judicial foreclosure. Requested to XXXX loss mitigation service representative and XXXX XXXX with Executive Client Relations for the foreclosure action to be put on hold. I was informed they could not do that because my home was in the foreclosure dept. and I had not made mortgage payments for months. I explained I had read this is dual tracking for them to processing mortgage assistance request and not stop foreclosure action until my file was processed.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/2023 at XXXX I received an email from PNC Bank stating that my checking account was in " low cash mode '', and that my account was negative {$170.00}. On XX/XX/2023 at XXXX I received another email from PNC Bank stating that I was approaching 24 hours of " Extra Time '', and that I needed to bring my account balance to at least a {$0.00} balance before XXXX on XX/XX/2023 in order to avoid being charged overdraft fee ( s ). As you will see in my attached ATM deposit receipt, I deposited {$180.00} in cash on XX/XX/2023 at XXXX, thus meeting their XXXX deadline of XX/XX/2023, which was more than 20 hours before their required cut-off time. However, after making the deposit before the required deadline, PNC returned two payments to two merchants, thus causing my payments to those merchants to be considered late, as well as receiving returned payment fees from both merchants. When I spoke to a representative from PNC Bank she informed me that PNC reserves the right to return " any '' quote : " payments that they deem to be questionable that could cause my account to become overdrawn ''. With that being said, it was clearly obvious that I had made a cash deposit to bring my account out of the negative well in advance of their stated cut-off time, therefore why would PNC have returned two of my pending payments, obviously knowing that I had made a deposit 20 hours before their stated cut-off time? What's the point of telling their customers that they have a specific amount of time to remedy a negative account balance if PNC is going to return an item 20 hours before the cut-off time that PNC itself offered and agreed to?
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: ON XX/XX/, MY BANKING ACCOUNT WAS CHARGED XXXX OF UNAUTHORIZED CHARGES BY XXXX XXXX AND PNC BANK REFUSES TO REFUND THE FUNDS TO ME.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have checking account with PNC. Whenever I call PNC - there is a very annoying and bugging bot who doesn't go away or let the customer talk to human being. Finally I was able to chat with PNC and thus asked them to close my account once my account balance reaches XXXX. But PNC want me to contact them again for the same.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was accessed a {$3.00} paper statement fee. I am enrolled in online statements. I have requested a {$3.00} refund as a one time courtesy and they have refused.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A