Date Received: 2021-07-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Nj charged me for services I did not receive! I spent maybe {$40.00} they charged my card {$390.00}. I disputed the transaction with my bank ( pnc ) and they gave me a temporary credit of {$350.00}, XX/XX/XXXX they took the credit back! Why I do not know. This is unbelievable.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Our account was enrolled in auto pay. PNC stopped taking the payments. We never received any emails or letters form them informing us of any issues. The only attempt at communication was AFTER the loan was already late. Last payment taken was for XXXX of XXXX and no attempts to reach us were made until XX/XX/XXXX from their collections department. They also never provide confirmation emails or otherwise when a payment is successful. The payments should not have stopped being withdrawn since auto pay was enrolled for the duration of the loan term. They initially tried telling us we were never enrolled in auto pay and all our payments had been single pay made every month. This is easily disproved since the last time we logged in was XX/XX/XXXX of XXXX. Meanwhile all payments had been withdrawn with no problem. They then tried to shift blame on us by saying the auto pay had expired and we forgot. Yet when we go online to enroll auto pay it says we can't because auto pay is already set up, another lie. We didn't hear from a manager after trying to escalate. This has cause my partner and I 's credit to drop 86 and 120 points. Absolutely disgusting! We want these derogatory marks removed from our credit since they were the ones who without warning or cause stopped collecting payments. Then refused to provide any kind of notice or communication to allow us to remediate the situation. Any other financial institution sends our immediate communication when auto pay fails. Not PNC evidently.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I refinanced my house with PNC Mortgage. The process took over 7 months to complete and the interest rate was 0.5 % higher than what I was quoted. I did everything that was asked of me in a timely manner. I tried for months to work with the loan officer and the customer service department and they did nothing for me. They came up with faulty excuses for why the process took so long and for why I did not get the lower interest rate. I am including a timeline below. XXXX is the loan officer. There was no contact from PNC to me from XX/XX/XXXX to XX/XX/XXXX, which is about two and a half months. XX/XX/XXXX - XXXX sends refinance directions. The process started on the phone prior to this. I do not have the date. XX/XX/XXXX - I email all required documents to XXXX. XX/XX/XXXX - XXXX XXXX emails me asking for documents I had already sent to XXXX. I informed her that I had sent them to XXXX. I also send them to XXXX. XX/XX/XXXX - I pay {$610.00} for a credit report. XX/XX/XXXX - XXXX sends me a receipt of my payment. XX/XX/XXXX - XX/XX/XXXX Absolutely no contact! XX/XX/XXXX - XXXX emails asking me to submit current versions of all documents I had already sent on XX/XX/XXXX. XX/XX/XXXX - I call & email XXXX. He assures me that all is good. He also apologizes & says he is having a busy morning. XX/XX/XXXX - I send " Borrower 's Confirmation of Disclosure Report. '' XX/XX/XXXX - I resubmit documents to XXXX. XX/XX/XXXX - I receive DocLink and sign. XX/XX/XXXX - XXXX emails asking for child support statement. I had already emailed this months prior. XX/XX/XXXX - I receive a new DocLink and sign. # XXXX XX/XX/XXXX - XXXX emails saying my credit report expired and a new one needs to be produced. She also asks me to resubit documents. XX/XX/XXXX - XXXX emails saying loan is " routed for final approval. XX/XX/XXXX - I receive a new DocLink and sign. # XXXX XX/XX/XXXX - XXXX emails saying " we still need to address a few things. '' These " things '' are " things '' that I had already addressed months prior. I readdress them. XX/XX/XXXX - XXXX emails me asking if I understand everything. XX/XX/XXXX - I receive a new DocLink and sign. # XXXX XX/XX/XXXX - XXXX asks me to resubmit new documents such as paystubs again because the others expired. this is the third time doing so. XX/XX/XXXX - I receive a new DocLink and sign. # 5 XX/XX/XXXX - I receive a new DocLink and sign. # 6 XX/XX/XXXX - XXXX emails to see if we can talk the following day on the phone about a " review of refinance. '' XX/XX/XXXX - XXXX emails about final review & a compliance issue that was corrected. XX/XX/XXXX - I receive a new DocLink and sign. # 7 XX/XX/XXXX - I receive a new DocLink and sign. # 8 XX/XX/XXXX - XXXX emails about closing location. XX/XX/XXXX - I receive a new DocLink and sign. # 9 XX/XX/XXXX - XXXX emails about DocLink & says it is extremely urgent. XX/XX/XXXX - I email XXXX & XXXX asking about closing because I have heard nothing from them. XX/XX/XXXX - Almost 7 months after starting, I finally sign papers in person for closing. Closing is not yet 100 % complete!! XX/XX/XXXX - XXXX emails to ask how the closing went on the XXXX. This is a great summary email of the entire process. He had the date wrong!
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Approximately 2 years ago expenses became too much for my wife and I. We could no longer afford utilities, loans and mortgage. I was advised we could vacate the house by PNC, turning it back over to them. After moving out I asked about returning the keys at which time I was told by PNC that couldnt happen. I filled out a packet for help with the property and it was rejected because I didnt have all the proof they wanted causing the financial hardship. After this I would speak with them and would be advised I could do one thing only to be told that wasnt right. When that person corrected me with new instructions, I would complete them and find out that wasnt correct either. I finally gave up. I was served foreclosure papers but that has been postponed due to COVID-19. A few months ago I placed the property for sale with a realtor. There has been no offers made. I contacted PNC again and was advised I could submit for a deed in lieu of foreclosure. When I called a few weeks after that because I hadnt heard back, I was told that I couldnt do that because it was foreclosure already. My complaint is that PNC has seemingly been playing games. Every time I call them I am told the previous person gave me bad instruction. The house is not worth what is owed. I have not been advised of a sale date either.
Company Response:
State: FL
Zip: 32778
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the accounts that appear on my credit report, without any authorization, they are harming me. Identity Theft XXXX XXXX / XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft PNC BANK Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX. Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Scam email came through as I was at the bank. Asked them if it was legit and was told no. It looks very convincing. Below is the email : Dear XXXX XXXX, I am writing to you because I have tried to contact you by phone about an important matter related to your account with PNC Bank and have been unable to reach you. Please give me a call at XXXX as soon as you are able. It is important for you to know that this is not a sales call and it is imperative that I speak with you at your earliest opportunity. If I do not hear from you, PNC may move to close your account relationship. We appreciate your prompt attention to this request. XXXX Customer Outreach Team PNC Bank ( P ) XXXX XXXX The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under US law. You may unsubscribe at any time from receiving commercial electronic messages from PNC at XXXX : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX
Company Response:
State: KY
Zip: 40515
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2021 my checking account was overdrawn. Despite previously enrolling into overdraft protection and notifications I was neither notified nor protected. My wife told me the following morning that at XXXX she received a notification of overdraft on the account. At XXXX I funded the account from a money market account. PNC charged a {$36.00} overdraft fee. I called and upon talking to a customer service representative who informed me PNC could not remove the fee. This is contrary to 1. the account being funded within 24 hours per the advertised " low cash mode '' https : //www.pnc.com/en/personal-banking/banking/services/low-cash-mode.html available for PNC XXXX XXXX customers and 2. the financial institution incorrectly showing I did not enroll in overdraft protection which would have mitigated this issue.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC BANK sent my wife and I mortgage statement dated XX/XX/XXXX, which states we owe them an additional {$100.00} for past fees in XXXX, ten years ago. I spoke with two representatives at PNC BANK on XX/XX/XXXX. Their names were XXXX and XXXX in the XXXX, Florida office. They said that the fees were associated with five faxes at {$20.00} a piece in XXXX. I asked them for information on these faxes : Names, dates, times which PNC representative sent them and to whom these faxes were sent. They did not have information on these charges but will get back with me in 48 hours. XXXX stated they instituted a new PNC system to recoup these fees and threaten me about back loading my loan with this fee and late charges if we do not pay this! We have never missed a mortgage payment with this company or any other previous obligations. We feel PNC is trying to extort money from us or foreclose on this residence. This is causing great consternation with an institution threatening our well being especially in todays climate.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/21, did a wire transfer from XXXX XXXX acct XXXX to PNC bank acct XXXX. This was for the purchase of a classic car. The car was fake and I tried to get wire transfer cancelled/ reversed without any luck
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A