Date Received: 2021-01-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a locked 3.29 % fixed rate 30year cheloc in PNC bank with XXXX XXXX and XXXX XXXX on XX/XX//2021, but when I review our current application files, I found XXXX changed the initial application into the current one with 3.75 % variable rate 40year heloc without notifying me in advance. 4 other PNC bankers told me I can start my initial application in the beginning. But XXXX insisted on proceeding, then send a lock request after the current variable heloc is approved. By his way, in my experience I will be very passive in the end and most probably I can't get 3.29 % fixed rate 30 year heloc. I don't like his way
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2020 I purchased a Christmas gift for my mother on XXXX in the total amount of {$90.00} including tax. Two days later XXXX contacted me to inform me the seller deleted the listing and took my money. Need less to say I filed a dispute. XXXX closed the case in my favor and gave my checking account full amount for a refund. I spoke with both XXXX and PNC customer service. XXXX told me everything on their end was resolved. I still have yet to receive my funds to my bank account from PNC bank 's end. They offered no help or resolution.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: PNC opened a Virtual Wallet account for me and it has been a nightmare- but the problems have been happening for years. They charge me $ XXXX month, there is NO grace period for transferring money to cover checks - even if this happens within the same few hours in a day. It is difficult to keep track of transactions as some come out of checking and others out of my spend account!!! They have also changed transaction order to benefit them and charge me more - showing transactions on different days after I had already seen them processed on my end. I want credited for the monthly charges and inaccurate NSF fees.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Saturday, XX/XX/2021 my husband and I received a letter in the mail from our bank, PNC, located at XXXX XXXX XXXX XXXX XXXX in XXXX, PA XXXX. In the letter, it stated that my husband via email disputed XXXX payments. The three payments were to XXXX XXXX for our rent in the amount of {$790.00}, XXXX XXXX for our insurance in the amount of {$170.00} and XXXX XXXX for our phone bill in the amount of {$190.00}. We did not put a dispute in. Not only did we not, but the bank never verified the dispute with us verbally or otherwise to check its authenticity. We called the bank and made an appointment to see XXXX XXXX on XX/XX/2021. Now please keep in mind, according to our statements, there was not a dispute showing nor credits given to us by the bank. While speaking with XXXX, I saw a discrepancy in their system regarding the three disputes. In each dispute, all three amounts had the decimal point moved three times to the left. Then it was corrected. Also in their system but not on our statement, it showed a purchase at XXXX for {$1000.00} that we did not make. It was not until we arrived at the bank that the dispute and other strange activities showed up in their system and their system only. We then spoke to the assistant bank manager, XXXX XXXX. Like XXXX, he had stated that he too has never experienced anything like this before. He also said since we were credited the money that was disputed they were taking it back. We tried to explain, we were not credited any money, our books balanced and we did not put a dispute in. He said before any money would be taken from our account he would call us first. On XX/XX/2021 The bank took the money out of our account and locked it so we could no longer access it. XXXX XXXX did not call or would he respond to our calls. On XX/XX/2021 my husband went to the bank and met with XXXX. She said since we signed a contract stating we would not give out our information, theres nothing they can do. My husband filed a report with the FBI as instructed, as the bank felt the breach came from a loan attempt my husband tried to get for XXXX through XXXX XXXX. He did check them out prior through the XXXX etc and no red flags popped up per say. I am in respiratory failure and am terminal. Both my husband and I are on permanent XXXX. How can they do this legally? I truly feel this was a breech on their end since our books balanced. Enclosed I have provided everything I could to help assist you. Statements from our end and what documents I could obtain from the bank and their system. Please, please, if you can help get our money back we would be so grateful. I know it may not seem like a lot. But its all we have. Thank you for your time. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 15701
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We absolutely are finished with PNC. After 22 years of having accounts and mortgages with them, we are pulling our accounts, including our mothers investment accounts. We wanted to refinance our loan after we received paperwork from PNC stating rates have dropped. We were taking some cash out as well since we had plenty of equity. 10 times what we needed. That was XXXX. Since then, weve been shuffled off to 16 different loan advisors. No one calls us back. When we call and complain, we get another loan advisor and need to start over. They are needing a piece of paper that they have, but say is not sufficient, I actually called and retained a lawyer to get what they needed. One person says its not sufficient the other says it is. I get a call today looking for paperwork but asking for proof residence for someone else. They dont even know what they are doing anymore. I talked to XXXX XXXX who said he was a supervisor but spoke to me like he was reading off a script. He couldnt. Or explain why what I had was not sufficient or anything else. When I asked to speak to his supervisor, he told me no, that there was no other person I needed to speak to. He was rude. I told him about all our issues. It once did he apologize until I called him out on his unprofessional attitude and the fact he didnt apologize. Finally he said Im sorry you feel that way. Please listen to all themtraining tapes. We have paid $ $ out of our pockets for the construction we were having done in XXXX because of all these issues. Credit score of XXXX and we hold a mortgage with you, but it takes 6 months to do your job. I have all names, times and dates of contact with company
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020, I purchased a vehicle from XXXX XXXX of New York. I was sent an invoice for {$17000.00}, money to be wired to a business account for XXXX XXXX at PNC bank at XXXX XXXX XXXX, New York, NY. I contacted the bank directly to make sure it's a legit account. Then after wiring the funds, I contacted the bank later to see if the funds have been cleared because the seller, XXXX XXXX, told me that the bank was holding their funds. The bank would not answer my request and told me I can not inquire about an account I don't own. I then asked for the wiring department so I can speak to someone that can verify that my wiring from XXXX XXXX has been cleared through PNC wiring department. Again, PNC declined to answer. Throughout the numerous emails and phone calls with XXXX XXXX in New York, they kept claiming that their funds were never released so they could not ship out my vehicle that I bought. Then I asked my bank, XXXX XXXX to intervene and inquire about a possible refund since the funds were never cleared. After few weeks, XXXXXXXX XXXX responded that PNC never answer them directly either. Last week, I filed a fraud complaint with the FBI internet crime division after having no choices left and recommended by my own bank, XXXXXXXX XXXX Till now, PNC has never answer me directly, contacted me in any way, or assisted my bank to see what happened in this situation. Even if it's a straight scam, I felt like PNC could have answer quicker giving the consumer like me a chance to go after the criminal, if proved so. It's now past 90 days since the funds wired, chances will be slimmer to recover. I like PNC to answer directly to me if the funds were indeed verified and cashed out, if not, is it possible to have it refunded to me through the same means it was wired. Please help in any way possible so that I or anyone else can avoid losing money.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, PNC XXXX XXXX add a hard inquiry on my credit report per XXXX On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNC BANK Loan Reference Number : XXXX XXXX XXXX, NMLS # XXXX Loan Specialist Fulfillment, Consumer Originations Lending Services PNC BANK XXXX XXXX XXXX, Location : XXXX XXXX, MI XXXX Office : ( XXXX ) XXXX This complaint is made in connection with the above-referenced loan and the Loan Specialist servicing the loan, XXXX XXXX ( NMLS # XXXX ). Currently there is a dispute about the home appraisal for this loan. I provided the Loan Specialist a number of documented home improvements that substantiate an increase in the original home appraisal and he represented that this would be enough information to require an in-person appraisal of the home. This representation was false as he later informed me that the underwriter would not conduct an in-person appraisal and would not increase the initial appraisal amount despite the information that was provided to him. I have requested multiple times to speak directly with the Loan Specialist 's manager or supervisor and he has ignored all requests.
Company Response:
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XXXXr XXXX,2020 my PNC account was hacked.I called the number on the back of my card, " XXXX '' told me he would be working with the XXXX Support ( hackers ) to protect my account. Together they told me to protect my money, {$9000.00} in 2 different credit cards, I needed to buy gift cards in that amount so the hackers couldn't get ahold of my money. They would then give the gift card info to PNC to replenish my account. I was under the impression the whole time that PNC and XXXX were working together to protect me. In retrospect it is clear to me that the hackers were able to intercede my call to PNC. The police came and filed a report. I went to PNC the next day and they said they knew nothing about this. I closed all my accounts and credit cards. I received a letter XXXX2020 they were unable to honor my claim.
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: PNC Bank is charging us {$3000.00} to open an escrow account to put the {$100000.00} we borrowed from PNC through the PPP loan program. The reason for the escrow account, were in the process of selling XXXX XXXX XXXX. On the SBA website it states that lending institutions are not allowed to charge fees associated with PPP loans, but Corporate PNC executives were emphatic that they will not establish an account without payment. I feel that the fee is illegal according to the SBA rules, and predatory. Im XXXX and Ive never been charged to open an account with any lending institution before. Deposit money to open an account, yes, but never a {$3000.00} fee to basically move money from one account to another! If I dont open the escrow account and sell XXXX XXXX, I could be in default of the loan. I feel PNC has me over a barrel and I have no good option. There should be no fee per the SBA. When I called the SBA, they said they have no control over what the banks do.
Company Response:
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A