Date Received: 2020-12-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: PNC Bank is the problem XX/XX/19 {$15000.00} was the amount of the check. charged {$40.00} returned check fee and an extra {$150.00} from the XXXX XXXX County Tax Collector I wrote a check to pay my taxes and PNC Dishonored the check. They claim it was an irregular signature. My signature hasn't changed in more than 50 years. They sent me no proof of what was different. I am XXXX years old and I am not leaving the house because of Covid-19. I tried to call PNC to complain about the nearly {$200.00} if cost me because they couldn't take the time to verify I wrote the check. I wanted them to speak with my daughter. They asked way more than normal security questions. I think they had one of my old addresses ( more than 15 years ago ) wrong and they wouldn't believe my answers! After nearly a half an hour they said I wasn't me and they wouldn't speak to my daughter about the account or issue. They told me I had to present in person at the bank. As I said before I am not going out in public. If there is a questionable charge on a charge card the banks do not hesitate to call, text, or email but PNC did nothing but mess up my tax payment. My check should never have been refused and I wasn't given the courtesy of a phone call. I have never had something not accepted because of my signature! It was to pay taxes! Who fraudulently pays taxes! It was absurd and the questions they harassed me with were unreasonable and I told them it was hard to hear them! PNC also doesn't have an email address to send a message to either. Thank you for your help! XXXX XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2020, my daughter and I contacted PNC Bank in an effort to refinance our multifamily to take advantage of lower mortgage rates. This process brought to light exorbitant closing cost fees and prejudicial appraisal practices encouraged by PNC Bank. During the documentation process, we came to learn that PNC Bank charges what is considered exorbitant closing cost fees in excess of {$19000.00}. After checking with other institutions, it was confirmed that this amount is considerably high for a residential refinance. After a long documentation process, we then endured what we found to be a prejudicial home inspection/appraisal performed by XXXX XXXX, XXXX in which we believed that the property was greatly under appraised based on other recently sold neighborhood comparables. The property was appraised at {$670000.00} in an area in which other comparable properties are valued at $ XXXX {$800000.00}. The property was appraised just two years prior during purchase at {$720000.00}. Additionally, over the two year period of ownership we put in an additional {$100000.00} of improvements into the property. We expressed our dissatisfaction with the appraisal and requested a secondary appraisal be performed. This request was denied. However, we were told that we could request an appraisal rebuttal for which the property could be re-evaluated. For this process, we submitted a number of comparable properties that had recently sold in the area for high amounts. Nonetheless, the comparable properties were simply rejected by the appraisal company and a re-evaluation never occurred. For the above reasons, my daughter and I decided to decline the mortgage refinance. A few weeks went by when we received a letter in the mail from PNC Bank expressing that the loan had been denied due to credit denial, not that we had decided to opt out of the loan or that my daughter and I both had credit scores that were over and above what PNC Bank deemed as good scores that were well over XXXX. We contacted PNC numerous times to submit a complaint and to discuss the issues. Many attempts to contact the bank went unaddressed. Yet, after a number of persistent phone calls, we were able to get a return call from the manager of the loan department named, XXXX XXXX. During the conversation, she seemed to be explaining a different reason for the denial that did not match what was stated in the denial letter we received. So, I asked her if she had reviewed the letter we had received along with the complaint that had been submitted. Sadly, she had to admit that she had not read them prior to returning my call. How can a manager address a complaint and follow up with a customer on an issue when she has not properly prepared herself?
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: PNC closed my account 3 months ago without looking into the issue at hand marking their reason as, " too many returned payments '' ... Yeah, too many returned payments caused by a bank error -- Their error!! It wasn't until I tried to make a payment with them ( my only credit card ) where the payment was declined that I found this out. Then I called and told them I had nothing to do with the returned payments, and XXXX XXXX confirmed with me that it was PNC 's error because the agents we made the payments with over the phone were putting in the wrong error code. They were putting in the system that the payment was from a savings account, not a checking account. It wasn't until I told them this that they decided to look into it. After two months of them lagging around with the investigation while I still couldn't use my card, they discovered that it was in fact their error, each and every time ... They could and should have done this before closing my account. PNC 's negligence cost me and my fiance lots of hardship, including financially -- Hours and hours of time over the phone, ongoing aggravation for 3 months, the inconvenience of not being able to use a credit card for 3 months ( also to date ), not being able to pay off bills, and my credit being affected. PNC has monitored and recorded on XX/XX/XXXX, Ms. XXXX XXXX from the Escalations department, telling my fiance, who's authorized on my account, that it would take about 7 days from that day for the account to be re-opened. That was 26 days ago and the account STILL has not been re-opened!! Now she's telling us she needs to mail out paperwork to me before the account gets re-opened. Did she have that done on XX/XX/XXXX after she took payment from my fiance?? NO ... It is also monitored and recorded that we spoke to someone who works with Ms. XXXX on XX/XX/XXXX, who confirmed that she didn't even send out a request for the account to be re-opened until two days prior, which was the XXXX ... So what happened to the request on the XXXX?? So nearly two weeks went by where nothing was done! Clearly she dropped the ball at least a couple times that we know about. She blamed others being out for the last 3 weeks. Of course! It's never anything but pass the buck pass the buck with PNC. She's been in the office this entire time. If what she said was true, why couldn't she have simply picked up the phone to let us know what was going on?? Never returned a single voice message, and we left quite a few. Her partner even told her 9 days ago to please call us immediately and she never did. It was never an issue picking up the phone when PNC wanted their payment though, that's for sure ... Every day that goes by is another precious day where I can't pay my bills, use a credit card, and have bad credit. All that my fiance and I have requested up until this point was for PNC to just wipe off the measly XXXX maybe XXXX XXXX dollars worth of late fees and interest charges that weren't associated with this whole rigmarole. But that wasn't good enough. Somehow they do not feel the need to make good even somewhat on what they've put us through over the last three months.And it's not even over yet. More of Ms. XXXX not returning my calls and dropping the ball, we're looking at another possible month or two of my account not being reinstated. Already again she's not responding to my fiance confirming the address both through voice message and email ( TWICE ) since Ms. XXXX called and left a message last Wednesday requesting confirmation of my address before she mails out paperwork that now all of a sudden is needed in order to re-open my account ... We understand people make mistakes. That is understandable and acceptable. What isn't, is not communicating with your customers and investigating an issue before just going and closing their account, and then dropping the ball left and right making the situation even more drawn-out than it has to be. That is completely un-called for and unjust. And PNC needs to pay for what they did, and are still doing ( Hence why after 2 months my account is still closed ) -- for something that was at no fault of my own!! Based on previous complaints with the CFPB that have been filed in the past by my fiance, I know that your agency doesn't take the action they need to against financial institutions even after they've clearly violated consumer protection laws, and your agency is just about as useless as the XXXX ... Worthless and hardly worth even a XXXX that is taken out of my tax money just to keep you in business. It's a joke. Which is why I am filing a lawsuit against PNC. I only filed this complaint to have what PNC did on record with what appears to be the only government agency regarding complaints about financial institutions.. and just in case one day you start doing your job and actually do something to help resolve an issue where clearly the business wronged the consumer ... Fat chance I know Additionally, I have not been able to access the account online in months. An agent told me she could not give me access over the phone and had to mail something out. Of course I never got it, and I brought this up to Ms. XXXX several times and she never took any steps to help me regain access ... Will need access so I can see all my transaction history to ensure that the fees and interest charges Ms. XXXX actually did agree to take care of were accounted for and refunded. As far as the other very minor amount of fees and interest charges that happened over this past year that were not related to the incident but she refused to credit my account for after everything her and her colleagues have put us through over the past 3 months ( a whole measly {$200.00} maybe {$300.00} worth ), I will no longer be requesting to be credited for those, and I will be suing PNC for the amount we really feel we're owed -- {$1000.00} ... This is to compensate for hours and hours of time over the phone, ongoing aggravation for 3 months to date, the inconvenience of not being able to use a credit card for 3 months ( also to date ), not being able to pay off bills, and my credit being affected ... All of which could have been avoided if PNC conducted their investigation prior to making the very hasty and inequitable decision to close his account. And then take over 3 months to re-open it.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XXXX of 2020 I purchased an item on-line using my PNC Visa Credit Card. The item that was sent to me was not as described, not even close. I have provided 31 pages of communication with the company that I purchased the item from but as of today, XX/XX/2020 the dispute has not been resolved. Several calls have been placed by me to the PNC Bank dispute department and all I get is they are working on it. I provided the original advertisement showing a description and pictures of what I purchased and a picture of what was received. The company that I purchased the item from wants to refund me {$12.00} instead of the purchase price of {$61.00}. The company will not allow me to ship the item back, they refuse to send me a prepaid label or a return authorization. I am suppose to have protection against this type of fraud but apparently PNC Visa, even though they say I am protected, to date I am not. The case number for the dispute with PNC Visa is XXXX
Company Response:
State: PA
Zip: 16510
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This horrible bank closed my accounts when I told them I have a disability which caused me to not remember calling them To report I dont have my card when my mom was using it with my permission Im on medication now for this medical condition I have but they still chose to close everything they dont want me As a customer anymore its very sad after years of being with them this is the first time this has happened
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I can not add an external account to my mobile wallet and I dont understand why? I have money in the account and I would like to use it and its saying that pnc is blocking me from adding external accounts
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Online transfer for {$300.00} from spend XXXX PNC to XXXX on XX/XX/20 has not reached the receiving bank for more than 25 days. PNC says the transfer has been completed on XX/XX/20 XXXX says they do not have any proof from PNC of the transfer.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I needed the funds from my PNC accounts I had both a checking and a savings account. I called on XXXX and spoke with an agent that promised to close my accounts but told me there would be a single {$25.00} fee. The agent told me they could file a dispute on my behalf to get the fee waived. On XXXX I called again because only one account was closed. Again the agent told me I would be charged a {$25.00} fee to close the second account but that they would get a manager to waive the fee. I was assessed a second fee. I called on XXXX and spoke to a manager who told me the fee could not be waived. I was contacted by a department within PNC who reiterated they would not refund my fee. The last representative I spoke to, XXXX XXXX, confirmed that my accounts carried no minimum balance requirements. The two customer service agents each had the opportunity to help me get my money without charging me the fee, both agents implicitly promised me I would be able to get the fee waived, and no one at PNC has been helpful at recouping the money erroneously charged in fees.
Company Response:
State: KS
Zip: 66215
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My lender, PNC, is making withdrawals for payment from my XXXX checking account, from which I have already verbally and in writing asked them to discontinue because I am making payments from another account. Twice now they have, without authorization, withdrawn funds from my XXXX account. The last time they did it, I had to wait 2 weeks for them to process a refund to me and they assured me that they had deleted all of the XXXX checking account information from their records so that this would not happen again, yet here we are, a second time, and right before the holidays when I need the money in the XXXX account, they have debited the funds again without permission. They now again how 2 payments, and I need the money reversed back into my XXXX account, yet I can't even get someone on the phone now, and they are telling me someone will contact me in two games. It's not my first rodeo with them, as last time, after the 2 days had passed is when they said they would have to wait 2 weeks to process the refund. I don't understand how there is no way I can stop them from taking my money from an account without authorization. This should be criminal, as it's basically theft taking the money from my account after I have withdrawn authorization to do so.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Due to covid pandemic my job closed down and i was out of work and unable topay he car loan and pa uneployment was on a stand still for me and i called the bank because asking can all my payments go o the end of my loan and i was told they help me already and that my car been charge off /written off but make a paymeny of XXXX and it doesn't mean it won't get repossessed, I am a person who was very XXXX with XXXX my son XXXX years old and myself, i just was asking for a little help in spike of the issue i had from day with this car and all the problems i suffer from it .I feel like i wasn't bein help i contact the CEO of pnc and his secetary calle dme back and said she tried to help me .but its to late .Its not my fault i had covid and my job closed down permanent becaus eof covid 19
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A