Date Received: 2021-02-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2021, I placed a call to PNC Bank and was advised by a customer service representative that they would not be able to reverse five overdraft fees accumulated XXXX {$36.00} each ). However, I signed up on a {$300.00} bonus that was supposed to have been disbursed in my account 3-4 weeks ago and I have never received the bonus. I received my direct deposit through them for months and have never received the promised promotional bonus amount.
Company Response:
State: ME
Zip: 04401
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PNC Wallet card per the company should be linked to online wallet i.e. XXXXXXXX XXXX. The company has not been able to fix the issue for almost a year. In store representatives do not understand why they can not resolve the issue. I am also not able to link XXXX to this account.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I made a mobile deposit to my personal checking account on XXXX at approximately XXXX. I was advised via the mobile app notification that my funds would be available XXXX at XXXX. I noticed when checking my account that did not take place. I called the bank XXXX and was advised the funds were being held for verification and would be available on XXXX. I called the bank to be told that the hold was not released. I filed a complaint and was contacted by bank given yet another time frame as to when my check deposited on XXXX would be available. This new date was XXXX making that the XXXX business day since the deposit was made. In addition, the compliant and grievance case manger suggested I take my check to another bank let them cash it and PNC will deduct the funds from my account since they already where expected them. He was no willing to assist in a professional manner, he repeatedly raised his voice and over spoke me. He failed horribly in resolving the issue, he truly escalated my complaint, leaving to seek other actions. I went as far as identify to him where the company failed to provided proper notification of the issue or reason for the delay, without my first calling with the complaint.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I, XXXX XXXX, consumer and former member of PNC bank, wish to file a complaint against PNC bank for violation of the Electronic Fund Transfer Act heretofore known as EFTA. ( EFTA ) is a federal law that protects consumers when they transfer funds electronically, including through the use of debit cards, automated teller machines ( ATMs ), and automatic withdrawals from a bank account. Among other protections, the EFTA provides a way to correct transaction errors and limits the liability resulting from a lost or stolen card. Electronic fund transfers are transactions that use computers, phones, or magnetic strips to authorize a financial institution to credit or debit a customers account. Electronic transfers include the use of ATMs, debit cards, direct deposits, point-of-sale ( POS ) transactions, transfers initiated by phone, automated clearinghouse ( ACH ) systems, and pre-authorized withdrawals from checking or savings accounts. The EFTA outlines requirements for banking institutions and consumers to follow when errors occur. Under this act, consumers can challenge errors, have them corrected, and receive limited financial penalties. The EFTA also requires banks to provide certain information to consumers and defines how they can limit their liability in the case of a lost or stolen card. If the institution is notified within three to 59 days of a lost card, the liability could be as much as {$500.00}. And should it not reported within 60 days, the consumer isn't protected from liability at all, meaning it could forfeit all funds in the associated account, and be responsible for paying any overdraft charges. My complaint hinges upon the fact that the complainant informed PNC bank of unauthorized charges on his account within 60 days of opening his account. The account was opened on XX/XX/XXXX. I began receiving notices from PNC bank at the end of XXXX concerning fraudulent activity on my account. Consequently, PNC bank ignored the complainants requests to flag his account for fraud and to disable his stolen card after noticing the unusual activity and transactions that took place on his account. Because PNC failed to protect the complainants account from fraud, they have violated the spirit of the act and should be addressed accordingly. The Act clearly states that if an institution is notified within three to 59 days that the liability is capped at {$500.00}. PNC bank has now initiated collection procedures ( see attachment ) against the complainant without legal basis or due process and has initiated irreparable damage to me financially and professionally and I am seeking damages for their egregious and willful violations to EFTA. I am seeking damages of {$5000.00} for their violations.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had an account at PNC for about one year. It was opened right before COVID struck and as a result of shut-downs, and civil unrest the XXXX business remained inactive. Now that we have entered into a more optimistic period the business has started moving forward. I funded my account began to buy supplies and stock for my company. But in almost every transaction my debit card is declined. It is so bad that I have had to use my personal account for the majority of transactions. As I assume with most accounts when they are open PNC gave me a starter check to use. I have had no occasion to use a check in the digital age. On XX/XX/2021 I signed my lease for my first storefront using my life savings. The check was for {$8400.00} dollar and my balance was {$20000.00}. Though I used the check the bank gave me to use they refused to honor the check. They refuse to give me a reason why other than saying security reasons. This has cost me my lease and most of my life saving that I have already invested in fixtures, permits, insurance, and signage for the storefront. I just want a business account that can be used by a XXXX business owner without being under some false flag of suspicious activity. It is just plain XXXX to deny me access to my own deposit using bank-issued instruments.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX, XXXX XXXX, PNC Bank, XXXX XXXX XXXX, and to the Federal Trade Commission. XXXX XXXX XXXX
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Im trying to sell my house as a short sale the second lien holder is asking for over 50 % of a debt I owe and it is holding up the whole deal I have been trying to sell this house 9 months already first they asked for XXXX then they said XXXX I owe about XXXX but I did bankruptcy so they suggested either we put up the money or the buyers! The main bank is willing to give 10 % I dont know what to do how else to deal with this I just want to sell before the house foreclosures. They clearly dont even care the house has been empty for over a month already.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC charged me back in XX/XX/XXXX attorney fees ( Statement attached ) they used an attorney and filed a motion in the XXXX XXXX requesting relief from Automatic Stay on my property on the other hand the customer service department Authorized a Forbearance plan to me as a consumer for 3 Month since i had hardship due to covid XXXX i had to use my BK attorney at that time to file a motion and opposition cost me {$200.00}, there attorney ended up withdrawn the motion due to the fact i am on Forbearance plan i addressed this issue with the Executive office officer below the client relation and her email are attached Given the Fact that as a consumer i signed the loan documents with XXXX XXXX in XXXX then it was transferred to PNC to service the loan in XXXX in XXXX Given the fact that this is BK case filed because of my financial hardship, and the debt was Discharged on XX/XX/XXXX as well they made an error by utilizing an attorney, ignoring my forbearance and that cost me fees to their counsel and my attorney as well to defend the motion this is the feed back I received from PNC executive office : " in addition, the security instrument has been attached and on the page labeled 9 or 13 bullet point number 14 states : Lender may charge Borrower Fees for services performed in connection with Borrowers default This is something you signed when you received the mortgage. This means that a motion was filed against the debt owed. PNC is required to have legal council as well. These funds will not be reimbursed to you. In addition My Application with Loss Mitigation was denied the 1st time in error then the 2nd application was completed in XX/XX/XXXX but it has been difficult for them to acknowledge my income and acting they they can not understand my letter of explanation Underwriting has been ignoring some of my income They told me before on a recording line " we can not entertain a loan modification at this time " because the investor is not willing to do so They ignored the Covid XXXX Hardship Guidelines that was sent by PNC to XXXX XXXX the investor XXXX XXXX
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with PNC bank, who has misapplied my payments on several occasions. They continue to say I owe large amounts of money that I paid. They are not adding up the right amounts and keep taking out the wrong amounts. I have been transferred and feel as though I am being treated this way because I am a Minority. I have called up to seven times in one day and have not received any help. This can not be legal or ethical.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC Mortgage does not have an online function to paydown mortgage principal. When I called customer service today, I was told that I could mail in the principal either by mail, use the phone, or access its branches. First, my concern with this is that this is the only reputable bank that claiming it does not have a system capability to let consumers to paydown principals only online. I understand that mail-in is possible, but the days during the mail transactions will add interest to my principal, and nowadays not many people even have bank checks disposable for transactions. Second, PNC 's phone payment requires XXXX per transaction and I was told that I could use the automated process. I tried this morning, it is difficult to use as I have to have routine numbers and account numbers in hand and if I mistakenly push a wrong number, it goes back to the original menu, and the process repeats. It appears to me that it is a function for customers who need to make payments immediately to avoid hurting their credit scores. Third, I live in NY. PNC is not available around my area. I only know that there are two in XXXX and we are currently a middle of the lockdown. Finally, I did not choose PNC to be my loan serving bank. It happened that my mortgage was sold to it so I have to use it. In my opinion, PNC Mortgage is trying very hard to discourage its customer from paying down mortgages. It is unethical. Unfornuately for me is that if I really want to switch my loan serving bank, I have to refinance my mortgage, which is costly.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A