Date Received: 2021-03-23
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I had confirmed a reservation with XXXX XXXX on XX/XX/XXXX XXXX total I paid XXXX. On XX/XX/XXXX, I received a email stating my reservation had been cancelled due to Coronavirus pandemic. They told me I had to call my bank to get the total of my money back. The bank told me it takes 90 days for them to investigate the claim, 90 days was up and I received a letter telling me they had denied my case. And I had to go to XXXX to get my money. I had talked to a supervisor at XXXX, and they said I had to go to my bank. They keep giving me the run around and here it's XXXX and I still haven't received my money. And I need the money to pay bills.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX hold on funds Impersonating Bank Representatives Scam of funds and contact numbers Funds verification PNC BANK XXXX XXXX XXXX PNC/XXXX Check Deposit {$3500.00} XXXX XX/XX/2021 XXXX XXXX XXXX Account
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On or about XX/XX/2021 my lender submitted a request to PNC to subordinate my 2nd lien HELOC loan as I am refinancing my current 1st lien mortgage. Despite promptly submitting all my paperwork and getting a call from an appraiser neither my lender nor I have received any communication from PNC. I went so far as to send multiple emails to to PNC and call their branch manager. The branch manager called me back toward the end of the day and told me he didn't have any way to provide me with an update. I have already had to extend my refinance lock agreement ( at a cost ) and am now faced with either paying off this PNC HELOC or paying again for another lock extension. My total combined loan to value ( including my new loan as well as the full amount of my HELOC ( if I were to use it all ... .which I am not ) is well under 80 %. Over 50 days!!!! What the heck???? TIME TO CANCEL PNC!
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank of Ohio bought my mortgage in XX/XX/XXXX from another bank and has agreed to the terms of my mortgage loan contract & has accepted my {$530.00} payment every month for over 5 years. And PNC Bank has not contacted me to change anything with the loan agreement of my original loan of XX/XX/XXXX. I also do have not had escrow on my loan & put a downpayment of {$20000.00} of my condo. I bought the property for {$95000.00} & took out a 15 year loan with a fixed rate of 3.25 % and I have paid my local city property taxes myself for over 8 years and none of the 6 banks who had my loan gave me questions on the loan. In XX/XX/XXXX PNC Bank sent me a letter saying they were considering adding escrow to the account. I contacted them by letter & phone with NO Reply & told them I dont agree. I read the terms of my loan contract and it says, PNC Bank cant change the loan agreement without my authorization via my signature. In XX/XX/XXXX ; PNC Bank forced escrow on my mortgage loan and increased my monthly payment. After made many phone calls & sent letters to them, they replied their bank could do that + sent me a copy of my original XXXX XX/XX/XXXX mortgage paperwork which I had and I informed them the loan contract states differently. They have been sending me form letters never answering my questions. I still pay the original monthly payment and I cant afford their new monthly amount of over {$300.00} more. I am still disputing this with PNC Bank 1 year later and they still accept my money & cash my check monthly.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have dealt with PNC bank for hours and hours, with no resolution. They have records of me calling in every month to make my payments on time. They reported me to the credit bureau for a late payment ( although I called in to pay on time ), due to the bank who manages my checking account providing me with the wrong account number. They said the only way to correct it would be to mail them a letter, so their research department could look into it and request my credit to be repaired, due to the banks error. I composed and sent a letter. In the mean time, I filed disputes with all of the credit bureaus, and two of my credit scores went back up. The next month, I see that my TransUnion score dropped again, due to PNC bank! I called them and spoke to a supervisor, XXXX. He told me that he did not know the reason why it dropped again, when I have not had a late payment after my credit score went up again ( this was in XXXX ). He said hed escalate it to another department, so it can be looked into. He told me that theyd give me a call back within 72 hours. I have received the call back, but I did receive misinformation. The other supervisor who called me back from this other department told me that they are unable to tell me the reason why my credit dropped TWICE! I would have to submit another letter. They lied. I received a response to my original letter, saying that PNC can not take any action in order to have my credit repaired. I went through all of this effort, with no resolution and with being lied to, and this is all over something that was not my fault!
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Please refer to previous filed complaints XXXX and XXXX. Since filing these complaints, 5 transactions {$50.00} and 4 a {$25.00} have been presented three times, returned 3 times and assessed overdraft fees {$36.00} for each transaction. As well, 6 @ {$30.00} were presented as extra fees of the merchant of the {$50.00} and 4 @ {$25.00} transactions. These fees were also presented 2 times and returned. Banking regulations allow 2 presentment but institutions accept as many as are presented. This process is a severe abuse on the consumer. This is a process that is used to generate fees. As well, the transactions are re ordered so there may be funds available for lower amounts but largest are put first even though not presented in that order. I have communicated with the Executive Escalation Representative, XXXX XXXX. She has refused to consider the circumstances and abusive processes which caused the issue. My account would not be overdrawn if not for this unfair practice. I still have to pay the returned items and the overdraft is all fees. PNC has refused refund in the fees.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: When the rates lowered last year. I started applying to refinance my home. I spoke with over 20 lenders. Even though my credit score was over 700 and my LTV was 30 %XXXX I was denied over and over again. I spoke to the lenders who pointed out one issue preventing me from being approved. PNC bank had added a comment to all three credit agencies stating " Foreclosure Started ''. I agree that I was late in my payments on several loans due to divorce, however, I made great efforts to avoid foreclosure and bankruptcy. What I learned is those two words " Foreclosure Started '' is treated as the same as an actual foreclosure. I sent a letter to PNC on XX/XX/XXXX asking for this comment to be removed. PNC did not respond. I sent a follow up letter on XX/XX/XXXX. PNC denied my request to remove that comment on XX/XX/XXXX. PNC stated that my home was in foreclosure for 21 days and that they could not remove that comment. I believe this comment was purposely and deliberately put on my credit report to ensure I would suffer seven ( 7 ) years of inability to secure another loan. PNC even admitted that the loan was paid in full including fees. How can I be treated as a consumer who had a foreclosure when no foreclosure ever took place? The loan was satisfied. What reason does PNC have to punish me for 7 years as a borrower? Why is it protocol for every other lender in the U.S. able to deny me credit based upon a comment that doesn't tell the whole truth? I would like the CFPB to assist me in having PNC Bank remove a comment on my credit reports. This simple comment has the same power as an actual foreclosure or bankruptcy by denying me credit for 7 years.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have incurred numerous unauthorized subscription and membership charges from XXXX from XXXX to XXXX, totaling to nearly {$500.00}. I cancelled these plans on multiple occasions, for which these charges were generated but they continued to be automatically reinstated, thereby resulting in unauthorized transactions to my card. A few of the various subscriptions & memberships that I was charged for include, but are not limited to, the following titles : XXXX Membership, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ... I reached out to my bank to try and resolve this issue but by the time I'd recognized these charges, the deadline for filing a dispute had passed.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi there, I recently was issued a refund of {$250.00} to a debit card that isnt active anymore due to the account being closed. I called the PNC Bank and they would not tell me if the money was sent to them. They also kept saying that when the money is refunded to a closed account they would send it back to the issuer. They never sent it back to the issuer. I contacted the issuer and they confirmed that it was sent to the inactive debit card. The bank will not help me at this point and is giving me the run around about where my money had gone.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please respond to this complaint! I have already provided two complaints. I submitted both of these originally through the federal reserve system, which did not permit attachments. Therefore I am submitting this complaint in order to provide information that will clarify the problems I'm experiencing. I'm also updating the facts of the situation, as I believe it now requires prompt attention. PNC has now refused to accept any payments from me at all in the month of XXXX. In fact, they reversed the payment I made on XX/XX/XXXX, and now indicate that if I don't make a XXXX payment I will be subject to late fees. I have since tried twice to make my monthly payment, once online and once in person, and both were placed in the 'other ' category, along with the original payment which was reversed and not applied to my account. They also removed my ability to use the online system to make principal payments, so I must go to a branch in person in order to make these transactions. They seem to be unaware of the COVID situation. Why unnecessarily put me and others at risk by making me visit a branch? I'm providing three files to support my complaints. One shows the excessive activity on my mortgage account by PNC bank ( 3 parts due to file size ). It is a repeated pattern ; they remove my principal payments then apply them again later, of course collecting the extra interest. They have claimed over the phone that there is an internal system that reflects the correct information, but they have yet to prove that this internal system exists and that my account is being managed correctly. There is a problem with this either way. I'm still not convinced that this alleged internal system exists. But even if it does, that means that the information being provided to me and other mortgage customers is inaccurate. Either way I don't think PNC should be permitted to loan money to anyone unless they can properly account for transactions and provide accurate information to their customers. One of the files shows the inconsistency of the interest of was charged. I was on XXXX XXXX until XXXX XX/XX/XXXX when I retired from the XXXX XXXX after 31 years of service, to include combat tours in XXXX. Therefore, my protection under XXXX expired inXX/XX/XXXX. I was behind on my payments and facing foreclosure, even though PNC received TARP funds to assist homeowners having difficulty. I have since paid whatever I needed to do in order to keep my property. However, as I've stated previously in other complaints, I was overcharged due to the misuse of XXXX for the benefit of the bank, not the Serviceman as intended. For a period of time, the interest rate was XXXX XXXX, but was set to adjust semi-annually to a variable rate of XXXX + XXXX XXXX. The file I've attached illustrates the discrepancy. The letter I received in XXXX XX/XX/XXXX indicated that buy the terms of the mortgage the adjusted rate should be XXXX XXXX. Yet, the statement shows that I'm still being charged XXXX XXXX. They used the XXXX to charge me more money. If the interest rate according to the mortgage is less than XXXX XXXX, that doesn't mean the bank should be allowed to charge soldiers more money. This was not the only time this happened ; it was happening prior starting in XXXX or so and continued through XX/XX/XXXX as I recall. Finally, I'm providing screenshots that show how I've been targeted by disallowing online principal payments. That functionality was 'grayed-out ' for the month of XXXX, obviously to deter me from making principal payments. It is my goal to pay-off this mortgage, which obviously PNC does not want to have happen. The account activity I've shared is obviously not the result of an algorithm but by a person specifically targeting me. I believe the reason for this is because I'm a Veteran, because of their previous treatment of XXXX and the failure to foreclose on my previously. I've worked hard to to pay down this mortgage and do not deserve to be treated in this manner, nor should any other Veteran or any other person period. This function resumed on XX/XX/XXXX at which time my payment was processed by my two other attempts as well as other principal payments were still not processed and the problem continues. I'm not receiving credit for my XX/XX/XXXX payment until XX/XX/XXXX, even though I tried to pay it three times prior to XX/XX/XXXX. The extra interest being earned does not rightfully belong to PNC. I called customer service on XX/XX/XXXX. I asked that since my payment was finally accepted, I would like the additional payments I submitted to be apply to principal, which the customer service agent assured would happen. On XX/XX/XXXX, the transactions of XX/XX/XXXX posted and the payments were not applied to principal as I had asked, but were applied to advanced payments of interest and escrow, a total amount of {$1000.00} that PNC conned me into paying that is now sitting in their coffers while I continue to pay interest on it. This is the type of bait-and-switch that should not be permitted.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A