Date Received: 2021-05-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was told by XXXX XXXXXXXX XXXX on XX/XX/XXXX that I had Key factors that adversely affected your credit XXXX length of credit history. I owned a home from XXXX to XXXX and then another home from XXXX to now, XXXX. How that that be construed has insufficient length of credit history?
Company Response:
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a cash advance fee when I did not have a cash advance. I was charged {$10.00}, and PNC will not remove the charge.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I attached a list of transactions for review. I paid off my PNC Bank credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when PNC reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and PNC has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a PNC Bank manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely PNC will remove the late ding on my credit. I also attached what PNC has reported to XXXX as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that PNC acknowledges the mistake and will report it to the three credit bureaus. I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank online banking does NOT allow for payments toward principal to be applied on a scheduled basis. They require us to remember to go on their website portal, log in, do the principal payment every single time we need/want to, which is a waste of both our time and money!!! There is NO WAY to set up a scheduled automatic payment to principal, which is a sneaky way for them to get more money and NOT be working for the consumer ... even though they already make thousands in interest every year on my loans and m/billions of $ $ from all of us! Last I checked, it's XXXX, but their online banking set up is barely from XXXX! There should be a FEDERAL LAW that REQUIRES ALL BANKS to allow for scheduled Payment to Principal payments in any/all of their online loan payment systems ( allow Monthly, Bi-Monthly, Weekly, Bi-Weekly, or however " XXXX % & $ # '' frequently we want to make the payment - it's an automated thing so no humans are involved in doing the transfers, so it shouldn't be a big issue! ) Thank you for pursuing this issue!
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 I called PNC Bank to report a checking account opened under my name that I did not open. My name and social was used to open an account on the internet without my knowledge. The bank rep told me she would report to the fraud department. On XX/XX/2021 I received a statement for this checking account. I called PNC again and requested them to close these accounts as they could potentially expose myself and the bank to a loss if these accounts go into the negative. They said they would fill out a form and submit it to the fraud department, which they told me the same thing on XX/XX/XXXX and nothing happened. I said close the account and they told me they could not because I did not open them, THE FRAUDSTER DID therefore I am not the account owner. This is either a training issue or PNC has some bad policies regarding new accounts opened.
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: We found this XXXX. It is on mine and my mothers name. Neither one of us cashed it out. The original bank has changed hands several times. We would like to be able to cash it in but. I one we have talked to know how
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Thursday, XX/XX/2021 I sent money to someone using XXXX. This person had sent me pictures of a kitten, signed a sales contract and was ready to deliver this kitten. Once delivery day approached I got a bit nervous as I hadn't heard from this person. The total amount was {$950.00}. I immediately contacted my bank and they said there was nothing they could do as this money was already sent to the person. I found this very hard to believe. How can a scammer continue getting away with this if the bank won't fix the problem? The bank is PNC Bank.
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX a company called XXXX deducted 6 fraudulent transactions from my account ; 3 charges of {$120.00} and 3 charges of {$490.00} totaling {$1800.00}, for a company called XXXX. XXXX is a company that you can use when shopping online. They partner with online retail stores and allow you to break up your payments at check out, instead of paying one lump sum. I've used XXXX in the past when making purchases through XXXX XXXX XXXX. They have your debit card on file to deduct the weekly payments from your account. When I found the charges on my account I immediately contacted XXXX and disputed them. Within a few days they refunded the 3 charges of {$120.00}, but I've been unsuccessful in getting the other 3 charges back. I have reached out to them numerous times, requesting calls from supervisors, but have failed to receive a call back. I've been told by the reps through the chat option that the charges have been marked as non authorized. One rep then advised me they did not see that I was charged the 3 charges of {$490.00}. I've sent screenshots to them for proof, but still no refund. I filed disputes with my bank ( PNC Bank ), on XX/XX/XXXX and around XX/XX/XXXX, and they denied the disputes, because I have done previous business with XXXX. Today I reached out to XXXX via email and was advised that I need to reach out to my bank and file a dispute. I have also filed a dispute with the XXXX for XXXX, and they ( XXXX XXXX replied stating that the dispute is still open and they can not refund the money until the merchant XXXX XXXX XXXX has refunded them. So they will not refund me until XXXX had refunded them. No one is taking accountability for this. I have never heard of XXXX, prior to this, nor have I ever done any sort of business with them. I am at a total loss and feel robbed of {$1500.00}. Please help!
Company Response:
State: KY
Zip: 40165
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNC has had all the documentation needed to give me a closing date on my mortgage, and they won't give me a date when we can close my mortgage. Any information PNC requested I've sent over same or next day. Any time the closing date approaches PNC has a last minute information request that delays closing additional days. I've had to resend the same documents over and over again to PNC. We were supposed to close on XX/XX/XXXX, and it still isn't closed and I don't have a closing date as of XX/XX/XXXX. No one is helping at PNC, no one is explaining what has happened, and no one can get answers. I think PNC may be intentionally delaying the processing of my mortgage so I have to have a higher interest rate. On Monday, XX/XX/XXXX, PNC added {$30000.00} to my cost to close for no reason out of nowhere. It made absolutely no sense, it was wrong, they had to correct it, and it's another reason they've given me to delay closing. Now today XX/XX/XXXX, more than a month after submitting documentation needed to close, PNC just asked me to confirm that I work remotely ( after more than a month of having documentation on my employment ). PNC is costing me XXXX of dollars, they are not giving me any info, and they are not resolving the issue. I desperately need help to force PNC to process my mortgage in a timely manner. I'm getting screwed over again and again and again.
Company Response:
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC bank issued me 2pin number for same debit card discriminated against me then closed my XXXX bank account with them 2diffrent pin numbers for the debit card and wouldn't correct the problem declined transactions everwhere
Company Response:
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A