Date Received: 2023-11-03
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My mortgage payment adjusted in XXXX of this year to account for taxes and escrow, and the documentation received stated that if my account automatically debits that I did not have to make any changes, so I did not. I was prepared for the adjusted amount to be debited from my account in XXXX based on this, and make no changes to my account. When the XXXX mortgage was drawn, it did not debit the updated amount, it debited the original amount and after that I received a letter from PNC stating that failure to meet the full payment in the future would be met with fees. Confused as I followed the provided instructions I called PNC and was told that the account does NOT update based on the form I completed and that I would have to manually update the payment - so I did as instructed and adjusted the amount to reflect the new payment amount despite the language used that stated I did NOT have to make any updates. My XXXX payment was just drawn, and the payment amount was updated to the new amount as well as the adjusted amount I was told I had to do manually. I called PNC again and was then told that not only did I have to adjust the amount, I also had to go back in and remove the additional adjusted amount I added. None of this was explained to me during my initial call to investigate why the wrong amount was debited. The language used throughout this entire process is intentionally vague and misleading, and representatives of PNC provide you with contradicting information. What is defined as an automated debit versus XXXX, and why is that not made extremely clear on all documentation provided to customers including information on payments being adjusted for taxes and escrow. I believe PNC does this as a predatory practice to draw additional fees from unsuspecting customers or customers who do not understand the intentionally misleading language used.
Company Response:
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: MY PERSONAL AND BUSINESS ACOUNTS WERE CLOSED XX/XX/2023 BY PNC BANK. I DON'T HAVE A COMPLAINT AGAINST ANY ONE PERSON OR LOCATION. MY COMPLAINT IS THAT MY ACCOUNTS WERE CLOSED. I HAD CALLED THE XXXX NUMBER WHEN I COULDN'T LOG IN TO MY ONLINE BANKING AND WAS TOLD THAT MY ACCOUNT HAD BEEN CLOSED, THAT THE BANK HAD REVIEWED MY ACCOUNT AND MADE THE DECISION TO END THE RELATIONSHIP AND ARE ABLE TO DO THAT AT THEIR DISCRETION.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On XXXX XXXX I submitted a complaint on my Mortgage Company regarding additional fees added to my mortgage principal balance.The fees totaled {$20000.00}. I submitted a complaint ( ID : XXXX ) and it was closed because the Company responded. Based on my fact findings from the documents submitted by my mortgage company substantiating the fees.I found out that the Sheriff 's deposit cost of {$9300.00} is not correct. ( see attached document ) .The attached document from the Sheriff 's Office Of XXXX XXXX obtained today XXXX XXXX shows an amount of {$3100.00} not {$9300.00} as submitted by my mortgage company in response to complaint ID XXXX. Please have the company account for the difference of {$6100.00}
Company Response:
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX at XXXX, I received a phone call from XXXX ( XXXX ) XXXX from a man stating he was calling from PNC fraud alerts on a recorded line. He asked me if I had authorized a XXXX transaction in the amount of {$2500.00} to a woman named XXXX XXXX in XXXXXXXX XXXX I told him I did not authorize this transaction. He told me he would help me dispute this fraudulent transaction on my account. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX. He then prompted me to enter my home address, email address, and phone number under the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account by XXXX XXXX. He told me to write the Purpose and Memo as XXXX. He asked me to state the confirmation number. Wire Transaction Details : Recipient : XXXX XXXX Recipient Details : XXXX XXXX XXXX XXXX XXXX Wire Transfer Amount : {$2500.00} Wire Transfer Fee : {$25.00} Total Amount : {$2500.00} PNC Confirmation Number : XXXX PNC Tracking Number : XXXX He kept asking me to log out of my account as I was placed on a hold, then he told me to log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX. This wire transfer was completed. Wire Transaction Details : Recipient : XXXXXXXX XXXX Recipient Account : XXXX XXXX XXXX XXXX XXXXXXXX Wire Transfer Amount : {$2500.00} Wire Transfer Fee : {$25.00} Total Amount : {$2500.00} PNC Confirmation Number : XXXX PNC Tracking Number : XXXXXXXX XXXX Reference Number : XXXX Through out his interaction I expressed concern about where my money was being transferred to and he continued to reassure me that the money will not be withdrawn from my account and these steps were required to dispute the fraudulent XXXX transaction. He asked me to transfer the total amount of funds from my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX He told me he found fraudulent charges on my XXXX XXXX account and I needed to take further action to dispute these charges. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX told him I do not feel comfortable clicking the link for the XXXX payment and he reassured me that this is standard procedure to get my funds back. I hung up and he attempted to call me back repeatedly from the same phone number. I called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back on XX/XX/XXXX to dispute this charge, and there is no guarantee I will get my funds back from the wire transfer. I was under the impression I was speaking with a PNC employee and did not willingly authorize these funds to be transferred to the recipient, as I was coached by the caller to take these actions to dispute a fraudulent XXXX transaction from my PNC account.
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On or about mid XXXX I checked my account on PNC 's banking website. I found 3 UNAUTHORIZED transfers had been paid out to a " XXXXXXXX XXXX Web Transfer. XXXX XXXX {$1900.00}, XX/XX/XXXX {$2000.00}, and again on XX/XX/XXXX {$1000.00} for a total of {$4900.00}. I called PNC bank only to find out they were closed until the Next Monday. I called on Monday and froze my account which was now down to {$1100.00}. The bank manager tried to help and set me up with PNC higher ups who twice denied my claim basically saying it was I who authorized these transaction which I DID NOT. I signed PNC paperwork to that effect. I have tried all other avenues that I possible could to resolve this issue with no results. I am thinking you are my last hope of recovering my missing funds. My last contact with PNC was with XXXX XXXX at XXXX. I do have some copies of paperwork from PNC, but I am old and not computer savvy and am unable to attach. Your help in resolving this matter would be greatly appreciated.
Company Response:
State: AZ
Zip: 860XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 at XXXX, I received a phone call from XXXX ( XXXX ) XXXX stating that a woman by the name XXXX XXXX in Florida made an unauthorized, fraudulent transfer through XXXX on my PNC account in the amount of {$2500.00}. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX ( XXXX XXXX ). He then prompted me to enter my home address, email address, and phone number as the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account. He asked me to state the confirmation number. He kept asking me to log out of my account and then log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX ( XXXX XXXX XXXX XXXX ). This wire transfer was completed. He asked me to transfer the amount in my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX. At this point I told him I do not feel comfortable clicking the link for the apple payment and he reassured me that this is standard procedure to get my funds back. I hung up and called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back tomorrow, there is no guarantee I will get my funds back from the wire transfer.
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This is in reference to the dispute filed against XXXX XXXX from XXXX On XX/XX/23 I was contacted by a local plumber service- that then quoted the amount & then I gave the gentleman my contact number were XXXX XXXXr XXXX XXXX This is who XXXX XXXX is! XXXX They quoted over the phone - also text messages from the picture attached. {$110.00} then the service call to be added {$63.00} a total of {$180.00}. I sat the appt upon arrival I was met with a gentlemen who gave me an XXXX which I signed for service. The quote was {$180.00} to repair a gasket around a basement pipe. I sat upstairs for the XXXX min until he repaired the service after the ladder arrived- his partner then ask for payment- I gave him my PNC debit card for payment of {$180.00} that I was quoted & at that time he said it was declined???? I then ask how much did he run it for bc at that current time there was {$390.00} in my account. He proceeded to tell me {$1000.00}!!!!!! I said no sir!! Are you insane- this was not approved or authorized- not to mention quoted. Basically when he swiped the card he took every DIME TO MY NAME bc the {$1000.00} wasn't in my account. So it took what I had which was {$390.00}! These XXXX can't even give you a tital bc they made it up!! They said {$390.00} bc if you will look that's what I had to take & all I had to take!!! This is a total scam & rip off! We then had words & I ask him to leave my home immediately- I placed a call to the police at that time- they finally left! Services not completed fully either!!!! I then called PNC where I was directed to call back after the charge post to my account which posted XX/XX/23! I went 2 days with no money due to this company!! I was given a provisional credit & told I would be emailed or mailed a letter to provide my side of the story & any evidence! Especially bc he lied about the total when arriving and singing then swiped my card for what they wanted to which WAS AM ENTIRELY DIFF AMOUNT and not what was promised & quoted!! I have been a customer for MANY MANY years WITH PNC! I have family that bank here bc we live all in the same community- I'm very disappointed I was done this way! I woke up Saturday XX/XX/23 to find {$270.00} was deducted from my account with no prior notices- emails- calls- mailed letters! ( Oh by the way the letter PNC mailed was in the mailbox that Saturday morning from PNC when you took the $!!! ) How terrible to do your loyal customer this way? I didn't get to provide any of my truths- evidence or side of the story on top of what I was promised! Just 3 months down the road PNC comes into my account & takes out the provisional credit that was given!!!!! Now Im overdrafted of {$270.00} now after you applied the other monies to the merchant! I have been with this bank 10 years - as well as my family and business associates!! Shame XXXX XXXX is a FRAUD & SCAM!
Company Response:
State: NC
Zip: 28630
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the US Post Office informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. When I contacted XXXX and XXXXXXXX XXXX, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ). It's very good to know that a financial institution that bears the XXXX logo does not back their customers as the XXXX XXXX XXXX ensures. When your financial information is compromised without your knowing and funds are transferred via cash transfer services, the CUSTOMER should be the one at the forefront and provided with peace of mind that their TRUSTED financial institution will do the right thing and refund the STOLEN money back to their account. This has been going on OVER 1 DAMN YEAR and this XXXX bank continues to drag something out that could have been resolved in XX/XX/2022 when I spoke with the representative the first XXXX time.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: PNC Bank acquired BBVA Compass Bank in late XXXX. I had a HELOC with BBVA Compass for over a decade. MY credit Union, XXXX XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until PNC acquired BBVA. I was informed in XXXX XXXX XXXX that I was three months past due. I immediate paid PNC the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that PNC claimed were never made. After many many months of getting the run around I provided PNC with multiple documents including official communication and verification from XXXX XXXX XXXX that the payments were made and were never returned or rejected by PNC Bank. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, PNC ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before PNC acquired BBVA. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by PNC
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Consumer Financial Protection Bureau ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... Investigation Case : XXXX and XXXX ... ... ... ... ... ... ... ... ... ... ... ...... Date : XX/XX/XXXXXX/XX/XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... RE : Debt Validation, XXXX XXXX third party debt collectors ... ... ... ... ... ... ... ... ... ... ... ... ...... ( A ). I am disputing the alleged {$170000.00} debt claim by XXXX because he identified himself as a third-party debt collections servicer in his FDCPA response ( unsigned ) letter dated XX/XX/XXXX, states hes acting on behalf of PNC as a debt collector assigned to collect a debt. Meaning not the Creditor ... ... ... ... ..... ( B ). Thus, there is no debt owed to XXXX since they are not the creditors and evidence in violation of the FDCPA to provide the name and address of the creditor. Thus, I am again for the third time demanding debt validation under the FDCPA 15 U.S.C. 1692 et seq. for disclosure : ... ... ... ... ... ... ... ... ...... 1. Provide the name and address of the Creditor ... ... ... ... ..... 2. Provide XXXX Debt Collections license ... ... ... ... ..... 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit Power of Attorney ( POA ) from the Creditor that you are authorized to act on their behalf in this alleged debt collection action ... ... ... ... ... ... .... 4. A notarized copy of the Bond on file with the State of XX/XX/XXXXallowing your firm to operate as a collection agency ... ... ... ... ... ... .... 5. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt and allow for the collection of this alleged debt ... ... ... ... ... ... ... ..... ( C ) No evidence of debt, The original XXXXXX/XX/XXXXXXXX waived their status as a Creditor when on XX/XX/XXXXXX/XX/XXXXthey Accepted my remittance Note payment for the property and Mortgage as tender of payment under UCC 3-409 ( a ) & ( b ) deems they [ cashed the draft/cheque Order paper ] and UCC 3-604 ( a ) means XXXX they didnt return Note back to me identifies it was valid ] ... ... ... ..... In conclusion, for in the ordinary course of business, when good faith requires an answer, it is the duty of the party receiving a letter from another to answer within a reasonable time. Otherwise, he/she is presumed to admit the propriety of the acts mentioned in the letter of his/her correspondent and to adopt them. Clean hands doctrine, I am requesting disclosure records. Otherwise cease and desist, refund funds unlawfully collected, withdraw unlawful legal actions ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... By The People_Full-Faith-and-Credit : XXXX, XXXX XXXX
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A