Date Received: 2021-07-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I feel I am being discriminated against due to my zip code and numerous complaints I have made regarding this process with PNC bank. My phone calls are not being returned. I am continually asked for the same documents I have submitted two and three times. I have filed internal complaints. There has been no resolution. I do not receive any communication regarding my Refi unless I reach out to the call center. The only way I know where I am along the process is I call every three weeks and wait on the phone anywhere from 1-2 hours. I started this process in XXXX of 2021, and it is now XX/XX/2021.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX # XXXX on XX/XX/2021 did not find a solution to my mortgage situation and never got back to me, when he said would showing outright negligence. If you can stay away from PNC bank for a mortgage.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I've tried to close my accounts with PNC bank 2 times and the representatives don't want to close the account.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mid XX/XX/2021 we were notified by mortgage lender, XXXX XXXX XXXX that our mortgage had been sold to PNC Bank and effective XX/XX/2021 all payments should be directed to PNC Bank. On XX/XX/XXXX, XXXX XXXX XXXX automated payment service deducted the XXXX mortgage bill due on XX/XX/XXXX which was then forwarded to PNC Bank as payment for XX/XX/XXXX. To my surprise, our banking information for the automated payment service was transferred to PNC Bank. ( Could be very helpful! BUT ) on XX/XX/XXXX a charge for the XX/XX/XXXX mortgage payment was charged even though they had already received the payment from the previous lender. PNC Bank has agreed to refund our payment but we can afford to live without the {$1800.00} overpayment until the paper check comes in XXXX days. The issue is MANY families would not be able to make this work. PNC Bank is preying on poor families to increase the overall quantity of overdraft fees and steal more money from these poor families. I believe the system they have established should acknowledge payments and stop any additional automated payments. Whether this is intentional or accidental the system they have established is flawed and hurts working families.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our flood insurance was set to renew on XX/XX/XXXX of XXXX. On XX/XX/XXXX I began calling insurance companies to ensure we would have new flood set up in a timely matter.On XX/XX/XXXX I signed flood insurance documents digitally through XXXX XXXX. I signed policy # XXXX. They were supposed to send the plan over to PNC bank as flood insurance is required to go through escrow. PNC would remit payment on our behalf. I was in touch with XXXX from the flood insurance company who kept advising me they had not send payment. I finally contacted PNC around XX/XX/XXXX as I was tracking our escrow account and saw they had not send payment, even though policy would expire in a matter of days. I called requesting they would send payment. PNC bank sent a payment of {$1300.00} and I saw this being taken from our escrow account. I assumed all was good since I noticed the amount was paid and I knew PNC was supposed to be in charge of the account. A few weeks later, now XXXX I noticed that the policy I signed on application for was in the amount of {$1400.00}. I noticed the discrepancy in payment. I contacted PNC for weeks who was no help in explaining why they sent that amount or to who they send it to. I even had PNC on a three way call with the flood insurance company. I began my own research calling the flood insurance companies. I learned that PNC never paid the policy I signed for on XX/XX/XXXX and instead paid a different policy with a different company which we had not approved. However PNC did not pay the full amount and so technically money was still owed if we wanted to keep insurance with this company. Therefore I discovered I had no active flood insurance. The flood insurance company told me there was not technically an active policy on the account since the payment they received did not match the amount due on any policies. They also could not reinstate any policies that day since it was past 30 days since the quote. They told me they would have to shop a new policy for me. The flood insurance company shopped a new policy for me. I immediately paid this new policy the flood insurance offered me in full and out of pocket to ensure we would not have a lapse in coverage. This was now XX/XX/XXXX. I had them start the policy this same day. This policy had a start date of XX/XX/XXXX. I called PNC to let them know of the all the errors they had made and provide them proof of coverage. I also requested they remove our insurance from escrow so we can track and pay it on our own after the horrific experience we endured. Which is our second horrific experience, since last year PNC didn't submit our taxes on time to our local village. Very frustrating that they are in charge of our money and consistently make errors with our money.They told me this wasn't possible. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from PNC stating they are charging me {$270.00} for not having flood insurance XXXX. It was PNC 's error that left me without insurance when they submitted payment in the wrong amount, to the wrong company. I would still be in this mess without my own due diligence of tracking our escrow and paperwork. I signed an application on XX/XX/XXXX to ensure we would have an active flood policy. It is not my fault that due to their errors in payment there was a lapse in coverage and I will not be responsible for the {$270.00} charge that exists because of their own errors.I called PNC on both XX/XX/XXXX and XX/XX/XXXX to try and solve this situation. They have refused to work with me.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called PNC bank on XXXX XXXX at XXXX XXXX EST to close a dormant account that I just realized had been getting hit with $ XXXX in fees. The account was opened in XXXX by the XXXX, MD branch manager and I had been told that I would never have fees. I requested closure and the balance of {$12.00} to be sent to my military mailing address. They stated that my XXXX XXXX XXXX XXXX XXXX XXXX address is a foreign address and would not close the account because their system wouldn't let them update the address.
Company Response:
State: MD
Zip: 21015
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I sparingly use my PNC credit cards so its easy to see when they charge more interest than they are supposed to its not hard got see. I carried over a {$200.00} balance on my credit card then 2 weeks later I paid my insurance of {$800.00} my charge wasn't even 2 weeks old but they calculated the interest for 30 days before I had a chance to pay the bill off the following month. I contacted them on XX/XX/29 but the customer service lady kept telling me the interest is based on the average monthly balance which didn't make mathematical sense and she said she will fill out a complaint form for me but didn't know if I would get a call or letter back. whether they call or not the business practices that I see they want to use of milking every XXXX from their customers is not something I want to be a part of I will not use their credit cards again and hopefully I can get in on the next class action lawsuit against them since that seems to be popular. The customer service for PNC is shameful and I will stop being their customer and hope this will help others know what kind of company they are dealing with. this is how they want to do business beware do not use their bank unless you are ok just giving them money.
Company Response:
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2021, I deposited a check in the amount of {$4000.00} into my personal checking account with PNC Bank. The check was arranged by XXXX XXXX XXXX who seemingly was my manager for the company XXXX XXXX XXXX XXXX of which I seemingly was employed with at the time. I was told by XXXX XXXX the funds were for payment to contractors and office equipment. The financial institution 's name on the check was PNC bank. The {$4000.00} was posted to my account by XX/XX/2021. After the funds were posted, with instructions from XXXX XXXX, I sent payments to individuals he provided. On XX/XX/2021 I received another check arranged by XXXX XXXX. The check was in the amount of {$4500.00}. According to XXXX XXXX, the funds were to be used for additional office equipment. I deposited the check into my account the same day. Shortly after depositing, XXXX XXXX sent a XXXX message wanting to know the status of the deposit. When I checked my account on-line, I did not see the check showing as pending. I contacted PNC customer service and spoke to a rep. The person did not see the pending deposit either. I returned to the branch where I made the deposit. At the branch I learned the {$4500.00} check as well as the {$4000.00} check were fraudulent. I informed XXXX XXXX of what I was told regarding the checks. He denied the checks were fraudulent and said the accounting dept would follow-up with PNC which did not happen. PNC bank reversed the {$4000.00} from my account. I tried to find out from PNC why the {$4000.00} was posted to my account before vetting the check as the financial institution on the check was PNC bank. Had PNC bank vetted the check, they should have been able to determine the check was fraudulent before posting to my account. PNC essentially told me the funds were posted to my account based on their business process. Since the check was not vetted, I requested the {$4000.00} be refunded to my account. The bank is refusing to refund the money.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Pnc sent me a dormant card to replace an expiring card. Obviously, this did not work. Ive spent 2.75 hours with customer service, a branch visit, and one crying spell to be given a replacement that didnt work. I just want a debit card and it was refused. I wasnt given an attempt to escalate or to speak to someone who could assist. I hope this complaint will trigger action.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A