Date Received: 2021-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Since the day I opened the PNC bank account - I am facing issues. 1. They blocked my outgoing ACH transfer for no good reasons. 2. They are asking me to give them a call and have the account number handy. 3. when i tried to get the account number, they ask to provide the mobile phone number. When i am doing that they have an issue with that also. 4. Secure message center is not working I would like PNC to communicate to me via email or mail. I called them upon and their menu based system is so confusing and troublesome in order to not let the customer talk to the banker or customer service. Why they want to hide the routing number and account number especially when the bank account has a promotion for direct deposit? Can't they understand that we are in the midst of pandemic and nobody want to step out and risk their life? I am a legal XX/XX/XXXX and living in USA since 2005 and having the credit score of more than XXXX - even then this bank is giving me such a tough time.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Called bank to close my account in mid XXXX. Bank was supposed to mail a cashiers check for $ XXXX which was my account balance at time of closing. As of XX/XX/21 I have not received my check.
Company Response:
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Last year, I wanted to remove PMI, so after contacting my mortgage provider, PNC, and letting them know I intended to do so, I ordered an appraisal through them. They sent me my new home value, and I sent them the $ XXXX necessary to recast the loan after confirming with them that the PMI would be removed. This year, I was going through my statements and realised my PMI was never removed! Contacted PNC and they said my home value had not changed. It took months of calls and emails for them to realise they had the new appraisal, but for some reason the new home value was never applied to my account and is now too old to be applied. I've been ripped off around $ XXXX so far I believe, and although after some months they connected me with an internal contact who is supposedly trying to help me sort this out, he has been " working on it '' for months already with no solution. They claim that it was my fault for not sending my $ XXXX to a particular department address, but I'm unclear on what that has to do with them forgetting the new value of my home and charging me PMI after the new appraisal. They also neglected to make clear that I needed to send any payments to any particular address in their correspondence with me, stating " The best way to make sure your principal payment is applied to the principal, please mail in the payment. '' If they were trying to tell me the ONLY way to do this successfully was to mail it to that address, then they failed to tell me that by using the words " the best way '' or " please mail in the payment ''. They were misleading but maintain that they did nothing wrong by forgetting to apply the appraised value to my home, saying that their departments do not communicate with each other and just because one department knew my home value had been updated did not mean it would apply to my mortgage. That is simply ludicrous It was impossible for me to know which department I was even speaking with as I used the standard customer service messaging centre!
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hi, On XXXX XXXX fraud transactions ( XXXX transferred ) happened on my bank checking 's account and someone transferred {$3600.00} via XXXX. I went to PNC to file the dispute on XXXX they did not solve my problem so I called escalation team to file the dispute PNC dispute ID XXXX and filed police complaint # XXXX on same day. PNC denied my dispute and redisputed on XXXX and they denied the dispute again. I am helpless right without my bank account and I lost my money. Don't know how to resolve this issue. PNC is pathetic bank. Please help me to solve this problem. I need my money back. XXXX XXXX.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: please refer to attachments provided. I need proof that my very OLD equity loan from 2007 with National City Bank is satisfied/closed as I am selling our house and it is critical for us to have proof of this as their is a lien on my house. We can not leave this unresolved. There is no record of reconveyance or discharge in the public records. PNC Mortgage/PNC Bank phone # XXXX has on record that closed account # XXXX acquired National City Mortgage/National City Bank. In contacting PNC, they said my loan was transferred to XXXX. After contacting XXXX ( XXXX research dept XXXX confirmation # XXXX ) THEY do NOT have my loan information nor do they have any information of a merger or loan transfer with PNC Mortage/PNC Bank or National City Mortgage/National City Bank. PNC Mortgage/PNC Bank provided me with incorrect information and wasted my time. I believe the loan was satisfied before PNC acquired National City Mortgage and I just need a letter from PNC that this loan is closed and satisfied. They said that since National City is dissolved there's no way to acquire this. I have spoken to multiple representatives XXXX none of which has been able to help me obtain the information I need. They keep escalating it to their research department who conveniently can NOT be reached or contacted directly EVER. There's never anyone I can speak to to get what is I need. Since they acquired National City Bank, they are responsible for getting me this information and they have been uncooperative. No one I speak to can give me a direct answer and it to be sent to someone else. That someone else can't ever be reached directly and their research people only have the ability to direct me to a bank that does not have my loan information that PNC claims was transferred to them. I have been spoken to numerous people with no avail and have completely wasted my time in this effort.
Company Response:
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Getting a line of credit
Subissue:
Consumer Complaint: My wife and I were interested in obtaining a home equity line of credit. We did our research, knew our approximate credit scores from our free reports prior to contacting banks. We checked with a few lenders regarding their requirements. We currently have accounts with PNC and could meet all of the requirements advertised for approval. We called and spoke with 2 different local branches to confirm these requirements. Specifically we asked if there is a minimum credit score, and if the approval is based on credit score or debt to income ratio or amount of equity or a combination of all 3. Both representatives from 2 separate branches, stated they do not have a minimum score requirement and base the decision on a combination of all three factors. We then scheduled an appointment to apply for the loan in person. At the time of applying we verbally discussed our current credit score, our current income and expenses, past credit issues, and the approximate value of our property. The bank representative stated that she did not see any issues with our current credit score, that our debt to income was with-in the acceptable range and that if a simple drive-by appraisal of our house came back to low, we could request the full appraisal. We did ask if the current pandemic has any effect on approval and stated that my wife and I both have secure jobs working in XXXX and XXXX XXXX She stated that yes, that would help, that PNC does not advertise, but has denied people because of covid. A week later we received a copy of the documents that we signed that included our credit score. I called the bank to check on the status and I was advised that our credit score was below the 720 minimum needed before the loan would be considered. We questioned if our debt to income ratio and home value were reviewed and taken into consideration. The representative stated, no, the loan was being denied because of the credit score and would not be reviewed further. I specifically asked why they were not upfront with the fact that they base the approval off of the credit score alone and that I would not have wasted my time. She did not have an answer for me. We have attempted to contact XXXX via phone and have been unsuccessful. We currently have 3 different credit scores with a 60 point difference from XXXX provided to the bank, online at the XXXX site, and our yearly free credit report. PNC could not provide us with a contact number for XXXX.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: My fiance, initiated a XXXX transfer in his XXXX XXXX app on Sunday, XX/XX/XXXX. I received a confirmation text message stating I had a XXXX transfer of {$1000.00} available. However, I never received the money. I called my bank, PNC, multiple times to determine where the transfer of fund was as I had never received the money. I did not document these calls. All representatives confirmed my XXXX account with PNC was set up correctly and to give it 10 days. After two weeks, I still had not received the funds. My fiance filed a transaction dispute with XXXX XXXX received a provisional credit while they researched. On XX/XX/XXXX, the credit was removed from his account as XXXX XXXX had determined the funds had been released to PNC. I then went to a branch of PNC ( XXXX XXXX, XXXX, GA XXXX ), twice on XX/XX/XXXX to rectify the issue. I called customer service, and they were no help and said the funds were not pending on my account. I also filed a dispute with the XXXX for PNC and XXXX. My fiance went to a branch of XXXX XXXX where they provided the transaction ID number, trace number, etc. We both went to the PNC branch on XX/XX/XXXX, ( XXXX XXXX, XXXX, GA XXXX ). We finally were able to get a hold of an upper level of triage who promised to research the issue more. On XX/XX/XXXX, I was contacted by PNC again regarding the XXXX complaint I filed. I provided all information, and they promised to research. On XX/XX/XXXX, I was contacted by PNC stating that my fiance had used the incorrect phone number, and the funds were deposited into someone else 's account, and there was nothing else they could do unless we knew where the funds were deposited. My fiance did not use the incorrect phone number. I have documents and screenshots from his bank showing what phone number was used, and it was correct. I also received a confirmation text immediately after he sent the XXXX transfer, so that excuse does not make sense. At this point, I am unsure if some kind of fraud at the banking level or someone used my phone number fraudulently. I am able to provide phone records that I have had the same phone number since XX/XX/XXXX.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On Monday XX/XX/2021, my wife noticed that our checking account from PNC Bank, XXXX, was overdrawn in the amount XXXX $ and change. This prompted her to contact the institution. She spoke to a gentleman who said that he went and checked for 5 minutes came back and said " PNC was covering the overdraft fees and we had 30 days to cover the difference account. There would be XXXX $ in the account XX/XX/XXXX. ". Instead she woke checked the account on the XXXX and the overdraft had grown to XXXX $ and change. This seems contrary to the way our account should work. We have opted out of overdraft period. The account used to not allow us to debit more than we had. My wife was operating under the impression that she would not be allowed to overdraw at all, the way the card used to work. We would like what XXXX is supposed to do. Please try to reclaim our overdraft fees at least. I understand that we mad a mistake by not keeping an accurate ledger but, the card used to shut off when we were broke. We're not very financially savvy but, this seems predatory. The dates of the fee are as follows, XXXX $ four times on the XXXX of XXXX totaling XXXX XXXX Obviously, since we did overdraw, we feel the responsibility to pay the overdraft but, we are not supposed to be able to even overdraw. We would have never bought a thing beyond what we could afford. We thought our account would stop at XXXX XXXX Have regulations changed? This didn't happen 4.5 years ago. Please help us any way you can. This was an honest mistake my wife made. Why were we allowed to overdraw when we have opted out? This makes no sense.
Company Response:
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Back in XX/XX/2020 I requested for them to cancel my account at which time I received confirmation notice via email they would cancel service. They have not and continue charging me for the maintenance {$47.00} per month. I've sent several emails to again ask them to stop and received nothing. I've spoken directly to the company and they advised they will handle but have not. Its now going on 4 months since I requested that they stop charging my account and every month they still do. I have emails to show the communications and validation but still they charge me ... Please help
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Today, XX/XX/XXXX, I used my XX/XX/XXXX atm card at a PNC bank atm XXXX which I am also a bank customer ) to take out {$300.00} and did not receive my {$300.00} even though the {$300.00} deducted from my XX/XX/XXXX XX/XX/XXXX account. I needed these funds to pay a deductible for a doctor 's appointment that day in order to be seen. While sitting at the atm in me vehicle, I called into the branch and explained what occurred. I was told there was nothing that could be done and I needed to call XXXX to file a dispute. When asked how I am to prove to XX/XX/XXXX I did not receive the {$300.00} from their PNC atm machine when the money shows deducted from my XX/XX/XXXX account. I asked if I could have something in writing and was told no and XXXX would contact then and their atm would show in excess of the {$300.00}. I also used my PNC atm card to make sure my {$300.00} would not dispense if used by someone else. I completed my transaction for just {$10.00} to see if my PNC atm card would work ; however, the {$10.00} did not dispense either. When I informed the manager XXXX XXXX of this and that the machine is malfunctioned she immediately sent someone outside to inform the customers in line behind me that the atm was not working and stated she would have to report this. When calling my credit union they informed a dispute could be filed but my account could not be credited for 10 days. As a result, I had to take another {$300.00} from my account that day to pay my deductible for my appointment. Making my account reduced by {$600.00} v. {$300.00} which was a hardship. A customer should never be told, there is nothing that can be done to help them or told about their energy, or that they understand when they clearly do not understand the reason I went to the atm is because I needed my money right then, not 10 days later after having filed a dispute.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A