Date Received: 2020-12-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Well I have been working with POC listed below XXXX XXXX on this refi request with PNC. It was started in XXXX/XX/XX/2020 and we are now in late XX/XX/2020 for an ERRL, that is still not completed? It is Going on over 6 months now. I have an existing VA mortgage with PNC and they have not done anything after calling several times. It has been a waste of my time. Reference Number : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; pnc.com XXXX XXXX XXXX Mortgage Loan Officer Home Lending Center NMLS # XXXX
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I contacted PNC Bank where my elderly father had a CD. I have legal power of attorney for my father as of XXXX and have dealt with many financial institutions since on his behalf since XX/XX/XXXX when he was diagnosed with XXXX XXXX and became unable to handle his own affairs. I called PNC bank to determine how to proceed in order to disburse the funds from this CD so I could add them to a trust account we establish in XX/XX/XXXX XXXX for which I am one of 2 legal trustees ) to fund my father 's health care costs. My father was admitted to a XXXX facility on XX/XX/XXXX and has remained there since then. He will never return home and is legally incompetent to make any financial decisions due to the severity of his XXXX and congestive XXXX XXXX. He also survived a bout of XXXX a month after he entered the XXXX home. The PNC rep gave me an address to which I needed to mail a copy of my POA, which I did on XX/XX/XXXX. They said they could not speak with me about any aspects of this CD until they had received the POA and it had been added to my father 's account. When I mailed in the POA, I provided all of my contact information and asked them to let me know when everything was ready. Nothing happened. I spoke with a PNC rep on XX/XX/XXXX. The POA had not yet been added to my father 's account, and I was told a penalty would apply if we withdrew the funds early. I was told I could do anything a legal owner of the CD would do after my name was added to the account. On XX/XX/XXXX, I spoke with a PNC rep again. The POA still had not been added to the account. She said additional paperwork was needed, and it had been mailed to me. I asked to speak to a manager and she said one would call me. This never happened. On XX/XX/XXXX, I sent in additional requested paperwork to PNC bank at yet a different address. Apparently many departments had to review my POA in order for me to be added to the account. My sister ( the other POA holder ) and I had been discussing this matter all along with our elder care attorney who set up the trust and has been our advisor throughout our months of dealing with my father 's financial affairs. Since we had received no response from PNC by the end of XXXX, we requested that he help us prepare a letter to send to PNC along with an affidavit certifying that the POA was a legal document still in effect and an additional copy of the POA in which every page was notarized. In this letter, I requested that the legal address for the account be changed to my mailing address ( since my father is now a resident of a XXXX home ) and a formal request to surrender the CD ( with its account number ), with a check issued made payable to my father and sent to my address. Finally, on XX/XX/XXXX, the check was issued and sent to me. As I mentioned above, I have been dealing with my father 's financial affairs for months. During the time I have had to interact with at least two other banks and numerous other financial institutions. None of the other banks treated me with such disregard for the urgency of the situation -- an elderly father with XXXX, in a XXXX home, with XXXX, who needed all of his assets liquidated ASAP in order to pay his many medical bills. I did eventually get the check, but I decided to still complain because I believe that my father and I were treated with total disrespect and disregard for the seriousness of the situation. I am especially aggrieved because PNC bought the local bank in my hometown where my parents had banked ALL of their adult lives and where I had my first savings account as a child. We deserve better.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2020 I called in inquire about the interest that was going to start on my credit card. I had ask if they could extent my free interest and was told no that I had to start paying interest. I advice then that I have COVID 19 and trying to do the right thing to pay my bill they told me that they had a program that could lower my interest and that my payments would be lower for 6 months I told them I would call back had to discuss with my husband. On XXXX I called back to let them know I wanted to accept that offer and the rep at that time told me he didn't know what I was talking about. I advise him that I talked to a rep by the name of XXXX XXXX and the bank was offering to lower my interest and payment for 6 months. He said that there was no notes on the account and said he did not know anything about that. I asked for a supervisor to call me back. Got a call back from XXXX XXXX that left me a message. I called back XXXX to get this matter resolved talked to a XXXX explain to her that I wanted to get the interest lower to XXXX this woman was a very rude lady who transfer me a collection XXXX that was very rude and did not want to hear me put me on hold and transfer me to XXXX who she was not able to help me she transfer me to XXXX a supervisor this is not acceptable. XXXX said she was not able to help me I told her she had to help me. I asked her to waive my late fee she said NO I told her to put me in the program so finally she did. This is terrible I am sick and have been on this phone for over 1hr 1/2
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a copy of my XXXX, XXXX, and XXXX report. The credit report showed credit inquiries by a few companies that I do not recall authorizing. I understand that companies shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please remove all inquire from each credit bureau that is being reported on my credit file.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I made a purchase from a fraudulent website. I contacted PNC because I knew immediately it was fraud. The charge on my card was XXXX XXXX XXXX instead of XXXX. The representative told me I had to wait until it went through and then go online and file a dispute. I filed the dispute and never heard a thing from PNC. Never got an email confirming the claim was filed or anything. Then I contacted them and they just rudely said we have 90 days to investigate this claim. I switched from XXXX XXXX which was a huge mistake. XXXX XXXX would have credited my account for the charge and cancelled my debit card immediately. Then overnighted me a new debit card. PNC DID NOT EVEN CONTACT ME! On XX/XX/XXXX I made a complaint with the XXXX On XX/XX/XXXX I had charges show up on my account for XXXX, three for the exact same amount. Two of the charges the next day turned into XXXX charges. Again fraud on my account. I contacted them by XXXX XXXX and again no help. I was then called by someone from PNC. She was the most unhelpful customer service person I have ever spoken to and just told me we have 90 days to review the claim because the merchant. She told me I can go to PNC online banking and cancel my card. I told her I would make another complaint and she said that's ok because my department will that complaint too. Then she marked the complaint with the XXXX that PNC considers this resolved. She did not resolve anything. I can not believe how horrible this bank is!
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call on XXXX at XXXX XXXX from XXXX that they were trying to verify my address to send me a packet from XXXX XXXX XXXX. I informed caller that I didnt know anything about this so she told me to call XXXX and provide them with a reference number XXXX. When I called and provided the reference number I was told that this was in regard to a collection of an account opened in XXXX and charged off in XXXX and I owe over XXXX. But that I could settle for over XXXX. When I disputed the charge and asked what it was about, the rep told me that he would see me in court. I have no idea what charge this could even be that would be that old. It concerned me because they had my full ssn and drivers license number, address, and work phone. The normal statement about this call being to collect a debt was not read to me.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: It all started on XX/XX/XXXX, around XXXX. XXXX from PNC collection agency called my place of employment. My coworker text me and he left a message for me to call him back. I called XXXX around XXXX, asking to state the purpose of the call and why did he call my place of employment. He asked me to prove my identity and I'm told him absolutely not because I did not know what the call was regarding. I told him that I would not identify myself until he told me who he was, company he worked for, and what was the purpose of the call. He become unprofessional and hung up on me. Next call was from a lady name XXXX, she was a little more helpful. She did explain that she could not tell me what the call was regarding due to laws, however, I did tell her until I know what the call was regarding I could not say yes or no to identifying myself. We went back and forth for a while until she decided to tell me what company was trying to collect said debt. It was XXXX XXXX loan. We worked out an arrangement and she was going to get back to me .I asked for a settlement of XXXX, XXXX XXXX wanted XXXX plus, and I was going to pay XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX called to follow up XXXX XXXX and I arrangement. We discussed another settlement in the amount {$800.00}, he said he would call client XXXX XXXX to ask for that amount. PNC called me back several times after ( I have voicemails ) and today XX/XX/XXXX, I was finally able to call them back and XXXX answered. She told me company will settle for {$1000.00} and to get some type of card on file for the XX/XX/XXXX payment. I told her that I am not putting card on file and that we can take care of everything next month. She said that I would have to speak with her manager. I said ok. XXXX get on the phone and proceeded to say that he was unaware that I was going to pay in XXXX. I told him yes, that was the arrangement. He said he would not be able to accept that because it a month out and it needed to get taken care of this month. I told him that was not possible. He asked if I could pay {$72.00}. I said, no. He begin to say that the offer would not exist next month and I told him to give me a call next month and we can work it out then. He then got upset, his tone changed, and his volume raised. So did mine. We went back and forth for a couple minutes. I asked him what is he trying to accomplish by taunting me about not paying anything today. He said that there would be a lawsuit and what not and I said, " if it has to be one then ", ok bye.
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was a joint owner on a checking account with my daughter at PNC bank. XX/XX/2020 she was scammed by a company causing an overdraft on her account of over XXXX. She filed necessary paperwork to have the scam investigate since it was her account and I had no part in the checks being received or deposited. On XX/XX/XXXX, at noon, my daughter and I had an appointment with Ms XXXX XXXX, PNC bank representative of XXXX XXXX branch to have my name removed from the account, since the account was opened when she was a minor. I had called another branch office on XXXX XXXX, to see what policy was to have name removed from the account and the person that answered the phone told me it would be no problem since the account was established when she was a minor. I asked for copies off the signed paperwork we signed and asked how long would it take to remove my name from the account. Ms XXXX XXXX told me that I did not need a copy and that I would receive something in the mail 3- 5 business days from the bank stating that my name was removed from the account. My daughter told her at that time that she would totally be responsible for the account. I also signed the log book when I entered the branch. Ms XXXX also asked me why was I taking my name off he account and I told her, did she need to ask. On XX/XX/2020 I was contacted from the recovery department of PNC regarding this matter of {$6000.00} deficit on the account, and I told the person that the account was no longer in my name and to contact me after she did her research. I went into another branch that day and was told all of my accounts were closed. I further proceeded to call PNC customer service and was told that I had to call on Monday -Friday between hours of XXXX to find out why my accounts were closed and that a letter and cashier check was sent out on XX/XX/2020 of which I have not received any correspondence since my daughter moved out in XX/XX/2020. Today, my daughter text me to tell me that the paperwork that we signed does not exist and that the bank has no record of the paperwork filed at PNC bank XXXX XXXX branch in MD on XX/XX/2020.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PNC bank had recieved notice that i wouldnt be able to financially keep a vehicle so i did a voluntary repo. My wife lost her job due to working overseas and the covid situation over there shut her down. I lost a big amount of income and pnc bank wouldnt help me or anything to continue loan such as modifying vehicle payment. Ive sent out documents requesting my contract information and all above. I have tracked the mail as well. I even called coorporate and no one will send me information on this. I disputed these things with XXXX XXXX and XXXX because they keep saying i paid something on it and i never did. That account has wrong information and for the laws they are required to remove it unless proven otherwise. No one has proven anything and pnc bank will not send me my contracts or anything. Please help i dont know who to turn to because pnc bank are doing illegal things especially i never made a payment and they said i paid XXXX dollars.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with PNC Bank on a property that requires flood insurance ( through FEMA 's NFIP ). According to several representatives of PNC, the flood insurance is required by law to be escrowed. Each year the premium is due, there has been issues with it being paid correctly by PNC. The National Flood Insurance Program policy expires on XX/XX/XXXX of each year. I received a letter on XX/XX/2020 ( confirmed by USPS ) from PNC dated XX/XX/2020 stated : " Your flood insurance policy with National Flood Insurance was scheduled to expire a short time ago. Since we did not receive a bill or renewal notice from them, and did not hear back when we tried to contact them, we paid a premium of {$730.00} to ensure your coverage continued. '' I got a letter from FEMA ( dated XX/XX/2020 ) stating that my policy had expired and that the premium had increased to {$740.00}. PNC was very negligent in waiting until the last day of the policy to notify me that they were having issues getting a bill from FEMA. By the time I even got the letter ( over a week later ), the policy had already expired and it was too late for me to do anything to prevent a lapse in coverage ( exposing me to significant risk ). What is also very troubling is that a major institution like PNC claiming they are having issues getting a bill from the NFIP. Surely PNC has numerous other customers with NFIP policies ( since they require these policies to be escrowed ) and should know by now how to get in contact with NFIP and/or to get something as simple as a bill. Ultimately the policy was reinstated but at a lower coverage amount d ue to the partial payment ( {$730.00} vs. {$740.00} ) made by PNC from my escrow account. Fortunately the lower coverage amount is adequate but this could have exposed me to even greater risk if the new coverage amount was significantly lower. This is the second time I have had this issue with PNC ( the first time costing me several hundred dollars ). When I contacted PNC through the phone number listed, the representative was very dismissive of my concerns and did not take any responsibility on PNC 's behalf in regards to their mistake.
Company Response:
State: NJ
Zip: 08088
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A