Date Received: 2021-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I Bank with PNC Bank, going on maybe 10 years, whom we have never had an issue with until now. I have a vehicle loan through PNC bank as well which is paid through the bill pay feature on the PNC app. I paid {$1600.00} on the loan on XX/XX/XXXX. Once the payment posted, the account overdrafted which is fine because I fixed the overdraft the same day. Then the next day PNC Bank reversed that {$1600.00} payment which is also fine. So I called PNC bank and asked spoke with someone in the customer service and loan servicing dept who verified I could go ahead and pay the {$1600.00} again and the payment would NOT come out twice therefore, I made the payment again after being told it would only come out once. On XX/XX/XXXX I woke up to an overdrafted account due to the {$1600.00} payment being taken out twice and this time I didnt have the money to fix it but shouldnt have to fix it because this time, it was the banks fault for misinforming me and taking out the payment twice instead of once. I called that morning and spoke with a rep who stated I had to call back Saturday morning since the payment was pending and not yet posted even though it reflected in our checking account for 2 payments of {$1600.00} and advised when I called Saturday that they would have one of those payment refunded immediately. I called Saturday and was told the loan servicing dept. Could either refund the payment within 7 business days or I could dispute with the customer service dept and have the payment refunded within 3 business day. I spoke with someone in the customer service dept who stated they escalated the dispute and the money would be back into the account on Wednesday and that I would have to call once again on Wednesday to provide the story to have the {$1600.00} refunded along with any overdraft fees. Today is Monday XX/XX/XXXX, I called the bank to check on the status of the dispute and was told it would take 45-90 calendar days. I told the rep there should be a rush on it to be back into the account by Wednesday because I am still overdrafted with overdraft fees currently coming out and its PNCs fault. All the rep said was to wait a couple of more days and call back. This is a warning to others, if one of your payments is reversed and the bank tells you to pay it again, dont because the payment will come out twice and no one will be able to tell you when your money will be back into your account and they will charge you overdraft fees.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have reported previously the security and fraudulent problem ( see attached PNC document with XXXX XXXX, the branch manager 's name appears on my mortgage document. I reported the problem to XXXX, the customer service hotline, the CIO, and COO as depicted on the institution 's website, to no avail. The security issue is appears to be a huge issue because it appears on my mortgage document as well as more than 200 other customers in the XXXX Ohio area ( XXXX XXXX XXXX of PNC XXXX. XXXX, OH XXXX XX/XX/XXXX To Whom It May Concern : REFERENCE : PPI Violation and SOC Incident : Mortgage Loan : The purpose of this letter is to find a resolution or file charges regarding XXXX XXXX, Branch Manager performing in role as a PNC Mortgage Officer, whose name appears as a co-owner on my mortgage documentation ( See Appendix A ). I am unsure and concerned how a PNC Branch Manager has determined and executed the alteration of my PNC Mortgage contact record and more than 200 other PNC Mortgage customers contact records for the purpose of deceiving another person ; and passing along copies of said documents that are known to be false which is a crime punishable as a felony. SITUATION : During the month of XX/XX/XXXX, I decided to switch mortgage insurance company ( from XXXX to XXXX XXXX XXXX. A XXXX XXXX Account Representative contacted the PNC bank regarding the change in service. On XX/XX/XXXX, I received a PNC letter thanking me for making changes to my account record. ( See Appendix A ) PROBLEM : I called the PNC Customer Services Number ( XXXX ) on two separate occasions endeavoring to speak with XXXX XXXX. The first time, I left a message and she did not return the call. On XX/XX/XXXX, I prepared and sent a letter to PNC Abuse.Com email account and received not reply. ( See Appendix B ) On XX/XX/XXXX, I located XXXX at the XXXX, OH bank branch where she is performing in the role of Branch Manager. I spoke with XXXX assistant, XXXX, who confirmed her role and responsibilities and placed me on hold for 5 minutes. Upon her reappearance on the call, the assistant vehemently voiced to me that XXXX was too busy to talk now ( XXXX ). The assistant proposed I call back at XXXX stating perhaps she will be available. After two unsuccessful attempts to speak directly with XXXX, I contacted Mr. XXXX XXXX via XXXX email to voice my abuse concerns. He replied and stated that he would investigate, to no avail. contacted him one week later and he ignored the XXXX email. On XX/XX/XXXX at approximately XXXX XXXX, I contacted the Customer Services Department ( XXXX ) and spoke with XXXX. I explained that above-mentioned SOC incident. She placed me on hold for approximately 10 minutes indicating she had spoken with her supervisor. She stated that she had been instructed to tell me that they were aware that I had called about the issues in XX/XX/XXXX ( not true ) ; and in XX/XX/XXXX. XXXX stated, It appears that XXXX may have typed her name on the 2nd address line in error. XXXX also stated that they had removed XXXX name and placed a note stating XXXX has no personal relationship with this account. I acknowledged her stated and informed her that there is still PII and SOC issues with XXXX names appearing on other accounts. As a Cybersecurity manger, this appears to be fraudulent activities where XXXX XXXX name appears on my document and more than 200 other PNC accounts. I am concerned about the continuity of this process throughout the lifecycle of diverse mortgage loan files. I am also concern knowing that mortgage loan officers have the capability to look up tax records and to view purchase agreement on purchases. This document will highlight the situation, the problem, and recommended solution. MY ACTIONS : It is not standard banking policies or procedures for any branch manager to have the rights and privileges to edit my PNC contact record without the clients knowledge or authorization, to have her name appear my PNC documents, and to have her name appear on more than 200 PNC Mortgage customers address records. I am forwarding this email to XXXX XXXX CIO of Mortgage Banking at XXXX, the FDIC, Consumer Affairs, and a local television station to address this matter that has been ignored by several managers. Sincerely, Concerned Client of PNC Bank
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: on XX/XX/XXXX i talked to XXXX from pnc exec. She claimed that the XXXX dollars on XXXX was an error and that one XXXX dollars was on XXXX and one was on the other on XXXX.. I checked my bank account on XX/XX/XXXX i had XXXX cent ... On XX/XX/XXXX my account was overdrawn according to the bank. I did not use my card. I always leave enough money in my account. I placed XXXX dollars in my account anyway before XXXX XXXX. I then left a message for XXXX @ XXXX XXXX XXXX XXXX. Ever since this stimulus payment relief started I have been having issues with my account. I will be filing charges with the police. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I sold my car and the loan on it I had with PNC was closed on XX/XX/XXXX. On XX/XX/XXXX an additional payment of {$640.00} was sent from my bank ( XXXX XXXX XXXX ) to PNC and cleared my checking account. After 5 phone calls to PNC, I was told to fax proof of payment to PNC and I would be refunded the money since the loan was closed. It has been a week since the funds left my account and PNC has not returned my money. I have called them another 2 times today. I was on hold one time for over 20 minutes and then was transferred to XXXX without any notification. I then provided my social security information to that company without knowing I was even transferred. I am now on hold for another 20 minutes and still no progress or help from PNC. I would not trust them with any of my accounts or loans.
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Excessive, recurring returned item fees were charged on numerous transactions never authorized and disputed via PNCs ACH process. My personal checking account ending in XXXX is currently in a negative standing and overdrawn by {$400.00}. The account is facing charge off due to the banks negligence and failure to do their lack of due dilligence. As a result, insufficient fund fees were charged ( {$36.00} per transaction ) on the following dates for my checking account ending in XXXX : XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$96.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for insurance transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$100.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for USPS Online transaction XX/XX/21 USPS Online PO Box {$34.00} ( unauthorized debit, never initialized ; typically paid in person to a clerk ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, subscription never authorized, contested and disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$60.00} ( unauthorized debit, disputed via PNC ACH process, contacted XXXX ) I personally requested stop payments for XXXX XXXX and XXXX ; however, wrongful payments were authorized without my consent. Furthermore, I filed multiple ACH dispute claims with PNC and have not received any sort of response from the bank or opportunity to provide supporting documentation after the claims were filed. The account ( XXXX ) was written off as charge off without an investigation being conducted. The bank didnt do any sort of do diligence to ensure that I wasnt at fault or gave me the opportunity to provide documentation to support my claim.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been trying to get in contact with this company to resolve this issue as to why they shut down my account and they will not get in contact with me. The information as to why they shut down my account is inaccurate and I need help getting this resolved.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Home was purchased in XXXX, mortgage transferred to PNC in ~XXXX. PMI was required with purchase. When outstanding balance was at 79 % of loan I called to get steps to remove PMI. I was told that I had to have an appraisal and other steps to have it removed. Was advised it is automatically removed at 78 % of loan value. 78 % of loan value ( mortgage XXXX ) is {$120000.00} and was met approximately XX/XX/XXXX. We have continued to pay PMI of XXXX $ XXXX despite excellent payment history. We are initiating a refi of the home and received notice that PMI is FINALLY being removed ( currently owe XXXX {$110000.00} ) and that we may be due a refund. According to my calculations that is 69 % of loan value - although like most real estate our home value has increased since purchase. I am simply calculating from our original loan amount not from the current value of the home. I called again to request clarity on the refund and expectation that it should be at 78 % value and was informed by the representative that the Homeowner Protection Act is only a guideline and that the investor ( not necessarily the same as the lender ) can create their own guidance. This is not my understanding. I am requesting a formal review of this as well as full refund of any moneys paid towards PMI AFTER the required cancellation. Furthermore, I am requesting that PNC review their practices which seemed to be designed to obstruct the homeowners from cancelling PMI. At a minimum PNC needs to provide clear guidance and a simplified process rather than put multiple barriers in place that make it difficult if not impossible to have PMI removed when requested.
Company Response:
State: IN
Zip: 46304
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: PNC after approving a proper loan, then disqualified me by claiming merely I was an employee. I am a fee-based govt official and file a Form XXXX. PNC has that form which has as a header XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Attachment Form ( for use only by XXXX XXXX XXXX, qualified performing artists, fee-basis state or local government officials, and employees with impairment-related work expenses ) The IRS regulations discuss use of this form XXXX XXXX XXXX Purpose of Form Use Form XXXX if you were an XXXX XXXX XXXX, qualified performing artist, fee-basis state or local government official, or employee with impairment-related work expenses. Using a Form applicable to fee-basis state or local government official Does not make me an employee like a conventional bank employee. In fact the IRS explicitly states XXXX XXXX XXXX Fee-Basis Officials A fee-basis public official receives and retains remuneration directly from the public. This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. Again, this work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) And these individuals are NOT employees with respect to this work It appears additionally rather than follow the IRS characterizations the Bank reached out to Federal Officials to influence them rather than apply plain language. The CARES Act defines payroll costs as including bb ) the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment, or similar compensation and that is in an amount that is not more than {$100000.00} in 1 year, as prorated for the covered period ; Listing both wages as income of ... Self-employment Or similar This was approved initially and properly by Mr. XXXX XXXX in XX/XX/2020. Then a person, Ms. XXXX, lacking the knowledge of the IRS regulation then questioned his decision and has enlisted the executive resources of PNC to influence others to convince them the initial decision was defective even though under the IRS characterization of my work as This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. She and PNC now try to say Im an employee in direct contravention of the IRS. And have been trying to convince various regulators using PNC near {$1.00} XXXX economic and political influence to substantiate its position which contradicts its own initial decision and IRS regulations. Small borrowers have priority but apparently small borrowers who do work of a nature Ms. XXXX who is actually a real estate banker and her Executive Office Staff Ms. XXXX with no knowledge of the CARES Act, payroll costs as defined in the Statute, the characterization of this work as self employment by the IRS now have to deal with a behind the scenes influence campaign of PNC with its favored regulator contacts. Because if I am right, and the code is the code, PNC has operated its program defectively from the startincluding discrimination by access and barriers to XXXX borrowers by using at a minimum defective definitions and internal audit, led by Ms. XXXX XXXX, who has done nothing but marshal resources to defend the lack of training this label of employee, and special type of borrower, applying the IRS characterization self-employment. Absent a determination in writing prior to XXXX by PNC as to treatment within its program to alter common IRS characterization, applicable to a borrower, it is my sense PNC rather than just fund the {$20000.00}, it refuses to acknowledge its own program which funded this loan has a defective audit process employing Ms. XXXX, overseen by Ms. XXXX, and a Board which doesnt implement a program that is accessible to XXXX borrowers. To be plain. This is a now secreted program seeking to defend itself reaching out to regulators who told me PNC should know all of this and not have to ask the SBA for instructions on a tiny XXXX loan it approved. But now it is building a case in secret, as it seems the IRS characterization of work should control as affected persons under the CARES Act. PNC also provided no preferential access during the Biden small borrower period to me. And I think still retains the expensive business account requirement to screen out XXXX borrowers.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC Bank lost my Stimulus Check. On XX/XX/2021, I received my {$2400.00} stimulus check. I signed the back and so did my husband, since his name is on the check. I deposited the check at my branch through the ATM machine. The next morning, I checked my account & seen the check was deducted out of my account. I called the bank and they told me since my husband 's name wasn't on the account, I couldn't deposit the check without him being present to show his ID. We live really close and I told them, e & my husband would come to show our ID. I was told by the banker, that PNC would mail me the check & they no longer had the check at the branch. I called the PNC 1800 number a couple days later and was told the check could take 2 weeks to get to me, but it was mailed out. They stated there wasn't a tracking a number on the check. I think with an amount of a check over a XXXXXXXX dollars, they should have a tracking number. Well, a month goes by and still no check. I decided to go to the branch. I went to the branch and talked to a banker. He checked my account and seen when the check was deposited and then taking out. He told me the check was mailed out the next day. He called the 1800 number to confirm everything and once again I was told the check was mailed out. I then was told to contact the IRS. I contacted the IRS and was told, since the check was already endorsed there is nothing they can do about it. PNC lost my check and basically is telling me too, they can't do nothing about it! Why wouldn't PNC but a tracking number on a check over a XXXX dollars? Now, I'm XXXX and don't know what to do. I'm starting to think someone in that bank took my money
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went on XXXX XXXX to purchase a shed on Friday, XX/XX/2021. I found a supposed person selling a shed on XXXX who had pictures of the shed, the location of the shed, the person 's supposed location and picture, the person 's supposed XXXX account and even the name and picture of the trailer court in XXXX, OH that the shed was located at. I then purchased the shed for {$900.00} using my bank 's debit card on XX/XX/2021. The person then sent me many messages on XXXX XXXX describing the loading of the shed, the transportation of the shed and told me many times that they are in the business of selling and transporting sheds and that they have done it many times and it is their main source of work and employment. They said many times that they would use a large truck and trailer to haul the shed to my address, sent me pictures of the large truck and trailer that they would be using and that they would be unloading the shed at my residence and would even be bringing 2 other co-workers to help put the shed in my yard. I checked many times on XXXX XXXX XXXX XXXX, for how the loading and transportation of the shed was going and the person kept telling me that they were working hard to load the shed. I was sent pictures of the supposed shed loaded on the trailer. I was told on XX/XX/2021, that the person and 2 co-workers were leaving the XXXX, OH location and that it would take an hour and 15 minutes for them to arrive at my location. I was told by them that it would take several hours for them to unload the shed, put the shed in my yard and balance the shed in my yard properly. When the person told me they were 30 minutes from my location, they said they would be needing some more products ( XXXX bricks to put the shed on top of to balance it properly in my yard XXXX from XXXX XXXX. They told me they were at XXXX XXXX and that they purchased the XXXX bricks for {$100.00}. I therefore conducted another transaction with the person for {$100.00} to purchase products from XXXX XXXX. The person sent me many messages about this entire process along with pictures of the shed 's loading and transportation. However, the person never showed up and delivered the shed or bricks. I kept messaging them and they said they were being delayed but then the messages stopped and I didn't receive anymore replies from them. I then realized that I have been the victim of a horrible fraudulent transaction that covered the span of 3 days. I then contacted XXXX XXXX and was shocked and disgusted to learn that they had no protection for me for this fraudulent transaction and said they couldn't refund my {$1000.00}. I then contacted the police and filed a lengthy report with them. The police officer mentioned to me that it certainly looked like a horrible fraudulent scam and that in their opinion I should be able to get my money back from the bank for the fraud perpetrated on me. It is a detailed police report and included the entire XXXX XXXX conversation, many pictures I was sent by the scam XXXX and the supposed seller 's XXXX information from their account. I then contacted my bank and requested the bank to put a stop payment order on the pending transaction. I was told by the bank that I couldn't put a stop payment order on the pending transaction and that I needed to file a fraud claim with the bank, which I did. I was told that they thought I would get a refund of my money within 2 weeks. I was therefore shocked and devastated to learn that my bank would not reimburse me any money for the transaction. They said it was a valid transaction and that I had no remedy with them. After the shock of this, I lastly asked the bank to do a chargeback for the 2 transactions, but so far the bank hasn't responded to my chargeback request. I am a hard-working mother of XXXX who is on a fixed, limited income and losing {$1000.00} to a fraudulent con-artist, crook who conned me over a period of 3 days is something I just can't financially afford. I am certain that the bank should acknowledge the 2 transactions as fraudulent activity and reimburse me for the {$1000.00} and was shocked to hear them say they can't help me and reimburse me. Your honorable bureau is therefore my last hope to help me recover my funds from the bank and I therefore beg you for your help!! Please help me!!
Company Response:
State: PA
Zip: 15010
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A