Date Received: 2023-10-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In XX/XX/2023, after 16 years of employment, I was fired by PNC Bank. Due to this, my payments on my PNC Credit Card got behind. In XX/XX/2023, I contacted PNC regarding a Hardship Agreement on my PNC Credit Card. I was approved on the call for the Hardship Agreement. This meant that for 12 months, my APR was lowered, late fees were waived, and my payment was lowered to {$390.00} per month. I was told I needed to make the initial 3 payments for XXXX, XXXX, and XXXX before the end of each month. Soon after, I made the payment for XXXX. I continued to receive calls and emails from PNC Credit Card Collections dept. Most of the time I ignored these calls and emails, but when I did answer, I advised them that I was in the Hardship Program. I assumed it would take a month or a billing cycle to get straightened out. Throughout the month of XXXX, I received calls from PNC Credit Card Collections Department daily, usually multiple times a day. I received emails and text messages stating they were collecting a debt. I eventually received a call from the representative who worked with me to apply for the Hardship Program. I advised her I was still receiving collection calls, despite making my XXXX payment and having until the end of XXXX to make my XXXX payment. The representative stated that the payment was actually due the XXXX of the month, but that I get a grace period which is why she said the end of the month initially. I was assured that once I made my XXXX payment, I would not receive any more collection calls. I made XXXX 's {$390.00} payment. I have continued to receive collection calls from PNC throughout the month of XXXX. This time, I advised that I believed this was against the Fair Debt Collection Practices Act. I had entered into the Hardship Agreement and made my payments on time as advised, but yet I have continuously received collection calls and emails from PNC. I filed a complaint within PNC Bank 's Escalations Department. I was eventually told that in the agreement I made for the Hardship, it states collection calls will continue. How is that fair? How is that legal? I have entered into a NEW agreement with PNC when I entered into the Hardship Agreement and I have made my payments as agreed upon, yet I still get relentless calls. I made my XXXX payment on XX/XX/2023. I received a call from PNC Credit Card Collections on XX/XX/2023. I spoke to a Team Lead - XXXX XXXX, who stated that even though I have already made my XXXX payment, I will continue to receive collection calls until the end of XXXX because I am in the Hardship Program. How is this even possible? Much less, legal? I contacted the representative from PNC Escalations and told her about the continuing calls from PNC Collections and that I was making a CFPB complaint.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: The last time I saw my daughter she refused to return me home until we went to my bank so I could write her a check for {$18000.00} on Monday, XX/XX/2023. She picked me up at XXXX XXXX for a quick breakfast. She dropped me off at home just before XXXX XXXX. I will never again visit with my daughter one on one. My son, took me to the same bank branch Tuesday, XX/XX/2023 to file a stop payment on my daughter 's check. The PNC agent who took my completed " stop payment '' form said {$18000.00} would get re-deposited if my daughter still held the check. We were back home by XXXX XXXX. We later learned my daughter first presented the check the next day, XX/XX/XXXX, at XXXX XXXX. Shortly after XXXX XXXX on Wednesday, XX/XX/2023, XXXX XXXX called my phone announcing a recorded conference call with my daughter, and a PNC agent on the call. In five minutes I was twice asked if I really wanted to stop payment on the XX/XX/XXXX check. I answered " yes stop payment '', both times. My daughter asked me why and I told her she lied about her need for the money because her car ran well. She drove me to breakfast on XX/XX/XXXX in the car she said she could no longer drive for a disabled transmission. PNC NEVER KEPT IT'S STOP PAYMENT WORD!!!. The first time I asked PNC told me my daughter 's actions initiated PNC 's internal investigation that should conclude with a re-deposit. In XX/XX/2023 I closed my old PNC checking account and opened a new one because my daughter had withdrawn {$6000.00} in XXXX without telling me. The second time I asked in mid-XXXX I learned my daughter actually received {$18000.00} and I needed to engage PNC 's customer care center to receive the funds thereafter. We phoned and emailed PNC 's customer care agent daily until Friday, XX/XX/2023 when her supervisor told me I would not receive a re-deposit. PNC branch knew of my daughter 's changed behavior from my changed checking account earlier this year. Can anyone trust PNC with their life 's work represented in their savings and retirement? I believe my daughter worked with someone at PNC to get her criminally fraudulent way. Can my daughter get arrested for this fraud?
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have 3 complaints toward PNC Bank. 1. My primary complaint relates to them closing my credit card account without my permission. The card ended with XXXX. I called once because PNC owed me money ( card had a negative balance ) and an agent on the phone said they would credit my checking account with those funds. No discussion or permission was made around closing out my card once it had a XXXX balance. They did this WITHOUT CONSENT negatively impacting my credit score as this was my oldest line of credit. I need this reinstated with that initial date as they closed in error. 2. Did not receive XXXX gift card from credit card points redemption. This should be for {$100.00} and I received no mail or email after requesting. 3. XXXXl customer service and problem resolution. I have been trying to work with PNC on this. I filed a complaint on XX/XX/XXXX and no one has explained anything to me yet. My complaint was escalated on XX/XX/XXXX and I got an email on XXXX from XXXX XXXX. I sent her three emails for an update without reply ( XXXX, XXXX, XXXX ) and called on XXXX and left a message. On XX/XX/XXXX I emailed and called again and pressed " XXXX '' to speak with someone else, explained my circumstances and he said he would give info to XXXX who was still not reaching out. I heard nothing so I emailed on XX/XX/XXXX before finally hearing from her on XX/XX/XXXX. She had not spoken to the person who I spoke with on XX/XX/XXXX and had no information. I did not hear anything from her so emailed again on XXXX, she called me later that week and said they were " looking for the initial call '' and would get back to me. I have not heard anything, so I emailed her again today XX/XX/XXXX and am filing this now.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: The lender is forcing the escrow to my account. Last year they bought the mortgage from the other lender and they just decided to add the escrow to my account even though I didn't agree on it with them or with the previous mortgage lender. I never received the letter about it but found out during setting up my mortgage payment. During settlement with the previous lender I check the box that I will pay my taxes and don't need the escrow, this lender decide to sent the money to tax collector and pay the taxes even they are paid already they added {$12000.00} to my mortgage and my credit dropped XXXX points because of that. They went and send {$10000.00} for property taxes and thanks god my tax collector didn't deposit the checks, but they credited my account even thir checks were not depositedand i never approved that. I tried to ask them why they are doing that they try to tell me that there is delinquent taxes on my account which wasn't true. I provided all the needed statements, checks and even a certified tax letter and I am just stock with them, they are not willing to listen, they even told me that the township call them and asked for the money that was a lie because I asked township if my bank lender called about my taxes and they said no. They did not stop harassment against me and I think that they are doing discrimination because of my first and last name, that how I feel. I even call them and they are saying that they can do that, even I have all proofs that all taxes are paid. PLEASE HELP, DONT KNOW WHERE AND WHAT TO DO ANYMORE.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: I realized on XX/XX/2023 that 2 unauthorized transactions were sent out of my account at PNC Bank. I quickly contacted PNC Bank to file a dispute. My disputes were denied on the basis that it was a transfer from my account at PNC Bank to my account at XXXX XXXX XXXX. PNC also stated that the transaction took place on a recognized device. I never opened an account at XXXX XXXX XXXX, nor do I do business with them. Upon hearing this news, I called XXXX XXXX XXXX for more information. Representative told me that they were not allowed to browse their clients accounts to provide me that information. I called the police to resolve the matter, and was referred to this website to submit my complaint. I have reached back out to PNC Bank and XXXX XXXX for more information, and I was unable to find any help for the money that was stolen. Between XX/XX/2023 - XX/XX/2023 there were 3 external transfers that were done from my PNC account # XXXX to a XXXX XXXX XXXX account # XXXX totaling {$4900.00}. However, in an email from the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that I was not the account holder of the recipient account.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I entered into a debt consolidation program during COVID to work out payment settlements with some of my creditors. Some of the creditors that qualified and agreed to the terms and settlements of the program continued to report negatively even after accepting payments.
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I have a PNC checking account that I rarely use. On XX/XX/2023, I reported my PNC ATM card stolen to PNC over the phone. PNC 's representative asked me if I wanted a replacement card sent, and I said I did. PNC did not disclose on the call that it would debit my checking account {$7.00} for a " Card Replacement Fee. '' I discovered this today, when, by happenstance, I saw my checking account balance while looking for information about an unrelated loan I have with PNC. Had PNC disclosed this {$7.00} charge to me, I would not have agreed to receive a replacement card, as I rarely use my PNC checking account. Additionally, PNC 's unauthorized {$7.00} debit dropped my account balance from the required {$1000.00} minimum to {$990.00}, meaning PNC probably will charge me a fee for that, too. I transferred money into the account immediately to cover the shortage, but I shouldn't have to do that in this situation, and it may not arrive in time ( in my experience, PNC will usually find a way to assess any fee it can ). I would like the CFPB to cause PNC to return the {$7.00} it improperly took from me, and not charge me any " insufficient balance '' or similar fee. Thank you.
Company Response:
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: In the month of XX/XX/2023 I was late with my payment, but still made the payment in XXXX and it was toward the end of the month of XXXX I went ahead and made XXXX payment as well since it would be due in a few days ( payment was mailed in ). They took XXXX payment and put it towards the principle instead of the payment, I called to fix the problem while i was waiting for them to fix it they reported to the credit bureau that I was over XXXX days late which dropped my credit XXXX points. This has happend to me XXXX times with similar circumstances. During covid XXXX XXXX XXXX XXXX and let PNC know so I applied for a hardship because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so they moved those payments to the back of the loan which we agreed upon. Next thing I know my credit was dropped XXXX points because of missed payments, this was never disclosed to me that i would take a hit like that, I didn't think this would happen because of covid. I remember the news saying that you couldn't get in trouble with the banks.I feel that i have been treated unfairly and that i have been targeted, when i asked them to restore my credit and fix this problem I was told I would have to write a letter to them since nobody in there credit department took phone calls. Pretty crooked!
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a New Jersey based bank, I opened this account in XXXX and closed in XXXX, relocated and invested in further development... Too busy ... .at the time... my interest rates accrued were not enough ... or not deposited at all They have all this info.archived.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: Scammed of {$75000.00} Hi! This is going to be a long story, and a bit confusing. But I was scammed out of {$75000.00}, and the individuals responsible were arrested this week. In 2022 I decided to sell my extra car because I was quitting my job to open my business and a {$1200.00} car payment just wasnt realistic. I posted my car on XXXX XXXX and eventually a buyer messaged me with a reasonable offer. I responded, we chatted for a couple days, and the transaction took place. Due to him being out of state, I called my bank directly and then I patched him in on a third-party call. He gave his information to the bank and the transaction went through. Im relatively aware of the scam, so I waited a few days to hand the car over. I called the bank and they informed me the funds had cleared, my loan account was closed, and the title was in the mail. 2 weeks later, the same day I received the clear title in the mail, the bank called informing me that the loan account was reopened and they need me to return them my title. I informed them my car was sold and no longer in my possession. I called the police and filed a report, then called my insurance. Upon talking with insurance I remembered I have XXXX on the car. I found the car in XXXX and had it recovered by the PD. Many fees were accrued in the process, as well as damage to the car. Each time Id call the bank and ask for an explanation, the teller would look, go silent, stumble over their words, and inform me they can not speak on any details. They can only inform me that I am financially responsible for the entire amount remaining on the vehicle.
Company Response:
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A