Date Received: 2021-06-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020 I authorized PNC bank, custodian of my Health Savings Account, to pull {$3000.00} from checking account at XXXX XXXXXXXX XXXX. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my XXXX account. On XX/XX/2020 I received an Email from PNC bank stating. " Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called XXXX XXXX. On XXXX they provided me with the ACH transaction number which I then provided to PNC shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. For months I went back and forth with PNC about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from PNC. " Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get PNC and XXXX XXXX to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Contacted mortgage lender and HUD RESPA Division XX/XX/XXXX with no assistance to correct document errors. CFPB beginning XXXX XX/XX/XXXX HUD- Director advised the Consumers to NOT CONTACT the Federal Regulator for assistance for enforcement of Violation EVIDENCE by the mortgage lender of TILA and RESPA LAWS AND REGULATIONS. Copies of CORRECT LOAN DOCUMENTS are requested for further actions by the Consumer.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I originally entered into a FHA loan with PNC Bank along with my son for a mortgage but there were financial problems so a loan modification was granted by PNC. I chose not to participate in the loan modification with PNC Bank but my son entered into an agreement for a loan modification with PNC alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from PNC as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have my mortgage with PNC - in XXXX of 2020 we started the process to refinance and found many options. Even with better offers we decided to stay with PNC because the process should go quicker since they have our information and we are customers. We settled with PNC in XXXX and were to close by XX/XX/XXXX. XXXX XXXX and his team were unable to accomplish that closing date. We cooperated and provided any and all paperwork requested, our emails were not responded to in a timely manner. They claimed if they push closing date to XX/XX/XXXX it would definitely happen - here we are XX/XX/XXXX and we arent even getting requested call back or information on why this is taking over 6 months. My wife and I separately talked to 4 sets of friends telling them to refinance, they used other companies that didnt hold their mortgage prior. One friend closed in 2 WEEKS, One in 3 WEEKS the others within 2 months. I am looking for advice on if we should stay with PNC on this {$600000.00} deal or move to a company that can handle this in a timely fashion?
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/21, PNC Mortgage issued me a closing disclosure that showed my seller negotiated closing costs correctly as {$8500.00} ( 3 % of {$280000.00} ). Doc attached. Two hours before closing on XX/XX/21, PNC Morgage revised the closing documents to show that the seller negotiated closing costs incorrectly as {$7700.00}. PNC Mortgage did not inform me of this change, my title company did. When I asked the title company rep about the reason, she said that PNC Mortgage said they couldn't make the numbers work. This is unacceptable and forced me to have to bring an additional {$820.00} to closing. I have made multiple attempts to get resolution from PNC Mortgage with no success. They are no longer communicating with me.
Company Response:
State: MO
Zip: 63379
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX I received a PNC Bank loan for {$110000.00} In XXXX I did use the COVID payment deferment program, which I did only for four months. XX/XX/XXXX I called PNC for a payoff because I was selling my house to my daughter. PNC said they would not give payoff over phone but to look at my PNC mobile app and that would show the principal balance which is the same of what payoff would be which was a little over {$110000.00} XX/XX/XXXX XXXX XXXX XXXX who was handling my closing, said they called PNC and was told payoff was {$110000.00}. XX/XX/XXXX XXXX XXXX and several bank friends agreed it seemed impossible to owe almost {$2000.00} more than the original loan amount after making over 30 payments of {$980.00} to {$1100.00} each month. XX/XX/XXXX I called PNC Bank again and spoke with a payoff person. She gave multiple reasons of why this happened but even hinted it does seem odd to payoff more than loaned, after making payments for three years. Overall I just find it hard to believe I paid over {$30000.00} in interest ( 4.8 rate ) for 35 months. Can you offer any suggestions or help? Thanks
Company Response:
State: FL
Zip: 32177
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am disputing PNC paper statements overdraft fees of {$4.00}. Due to the fact I was initially restricted from online banking options, upon opening the PNC account on XX/XX/2021 With that restricted online banking, no virtual access to my account, I can not select the paperless online banking statement options.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On or about XX/XX/2021 a representative for said bank established left a voice message to the tune of XXXX when clearly parted with XXXX on my account name. I keep complaint and the representative never returns my calls. I want it to be clear my name on the count and parted check read XXXX not XXXX and when that little representative reaches out to me needs to respect that. In addition if I choose which is my choice and they must agree to my choice to return to said bank establish it is whatever my valid if represents and I tell what name should be on my account still remember ing what's on my state valid. And said bank needs to put back the require minimum deposit to open said establish bank that said establish bank had no other reason to close the account other than my bum man like appearances. Be sure they force the said establish bank close. .and said bank established need not correspond to my houston XXXX Texas ADDRESS any further It doesn't exists.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We, wife and I, have been hacked of our personal information 6 times now. This has been going on for over a year. We have had money stolen from our accounts. At first PNC was good at getting things taken care of but now theyre accusatory like we are lieing or something. We are out thousands of dollars - denying one claim without even having the time to look into it and another that has been ongoing for over 6 weeks now with nothing being done. No credits nothing. Thats violation on Reg E. We have installed XXXX XXXX to hopefully ensure this doesnt happen again. We have contacted the police but they said they cant do anything because anyone can buy anyones information on the dark web.PNC has already charged back money from the one dispute but we havent seen any credits.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was a victim of a scam, and my bank ( PNC ) has decided not to reverse the funds for a total of {$1300.00} which was through XXXX I tried going through them first before reaching out to this company
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A