Date Received: 2020-10-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was sold to a new bank. I've always paid my own taxes, homeowners insurance and flood insurance. Tha transfer took place two months ago from XXXX XXXX to p n c. I called both my flood and homeowner companies notifying them of the new lender. The new lender sent me a statement indicating my flood insurance is now escrowed and quoted me a federal law indicating they have that right. I have paid my own flood, homeowners and taxes for years. This doesn't seem right. I never agreed to it and my previous lender was okay with me paying everything without an escrow. I was not in control on the loan being sold. What can I do.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My XXXX XXXX c ard and PNC credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. You see, i worked as a XXXX XXXX for the XXXX XXXX with a company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX another XXXX XXXX XXXX all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. I gave the XXXX XXXX everything I had, and now Im paying for it. With no PNC banks east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money. Both the PNC credit card and XXXX XXXX did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX because someone already has it under my email. I gave so much to our XXXX XXXX XXXX XXXX that I would hope Uncle Sam can help me in a time of need.
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My car loan is with PNC Bank. My car was repossessed on XX/XX/2020. I was not home when it happened. The repo company came to where I was and repossessed my car. I had spoken to PNC Bank on Friday XX/XX/2020. The teller I spoke to recommended that I schedule a visit with a PNC advisor. I thought this was a good idea. My car was repossessed before I could meet with an advisor. I never received any official writing from PNC in the bank. I was not given a chance to get current, nor was I given any kind of notice about repossession, or the possibility of repossession. I feel that PNC Bank was being punitive in repossessing my car, because I mentioned that I was thinking of trading my car in so I could start over.
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: on XX/XX/2020 i paid off my home Equity Loan in full Account number XXXX. The proceeds from the sale of my marital property funded the payoff of the account. I had been in CONSTANT contact previous to the payoff asking for amnesty under the CARES act for the late payments on XX/XX/2020, XX/XX/2020 XX/XX/2020 XX/XX/2020 i explained to them that based on the COVID 19 virus i was furloughed from work and unable to get caught up. I asked for amnesty and deferrment but was granted NEITHER because they said the property was listed for sale. Once i paid the account infull i was told the late payments would be removed based on the tenants of the cares act. I have since made calls and sent letters to the three Credit Reporting agencies with NO RESOLUTION. I havent even received a response by mail from the Credit Reporting agencies to provide resolution to this problem. I am now seeking help from the CFPB to have these late payments forgiven under the cares act. I am not able to purchase another property and am faced with losing the housing arrangement i have set up with my current landlord BECAUSE these late pmts RESTRICT me from attaining another Mortgage under FNMA and FHA guidelines
Company Response:
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO PNC BANK FOR MY AUTO LOAN {$24000.00} & PNC RECVD THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & PNC STATED TO ME OVER THE PHONE THAT PNC RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID PNC RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY PNC BANK/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST PNC BANK FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # XXXX
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have a lot of Inquiries from different lenders that I didnt approve off
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2020 I was approved by PNC Mortgage for a {$260000.00} mortgage loan to purchase a condominium at XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. On XXXX XXXX I received a call from the PNC loan officer, XXXX XXXX, telling me that my loan was disapproved. The closing on the purchase of my condo was scheduled for XXXX XXXX and for the sale of my house in XXXX, Ohio was scheduled to close on XXXX XXXX. This left me only 3 days to find and arrange for {$260000.00} to be wired to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX so that we could purchase and move into the condo. On XXXX XXXX my wife, XXXX, and I met with XXXX XXXX, the PNC XXXX Branch Manager, in person get the many documents I loaned to the mortgage officer, and to pick up a written statement ( " Notice of Adverse Action '' ) of why the PNC Mortgage company waited until the " XXXX hour '' to tell me on XXXX XXXX that I would not get the loan they approved on XX/XX/XXXX. I was met by a security guard, the PNC branch XXXX and a PNC " witness '', for the 15 minute meeting, and the Branch Manager, XXXX XXXX, who we have known and banked with for 20 years, made no apologies, and gave no written or verbal explanation of why we were notified only 3 days before we closed on the purchase of the condo. The notice of adverse action from PNC only stated that my income from self-employment decreased in 2020. My wife spoke up and then XXXX said the situation was unfortunate. We received only a short written statement from PNC saying that because I was XXXX and my income was lower in XXXX ( due to COVID-19 ) that I was not approved for the loan. If I was not able to get the {$260000.00} from other sources in 3 days ( by XXXX XXXX ) my wife and I would not have a home to live in after the sale and closing of our former house at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. With gratitude, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MY EX DAUGHTER IN LAW OPENED A AUTO ACCOUNT IN MY NAME AT PNC BANK WITHOUT MY PERMISSION! IVE CONTACTED PNC BANK SEVERAL TIMES AND SHOWN THEM POLICE REPORTS AND FTC REPORTS AND A COPY OF A SERVED WARRANT FOR THE CRIME AGAINST MY NAME. THE ADDRESS THEY HAD UNDER THIS ACCOUNT OPENED IN MY NAME WAS FRAUD AND THEY EVEN REMOVED THE ADDRESS AS FRAUD ADDRESS, BUT NOT THE ACCOUNT. WHEN THE ACCOUNT WAS OPENED I WAS IN XXXX XXXX XXXX IN XXXX FROM A XXXX XXXX AND CAN BE VERIFIED WITH MY DOCTORS! SO HOW CAN I BE AT THE DEALERSHIP AND IN XXXX AT THE SAME TIME. XXXX XXXX XXXX WAS XXXX AND XXXX AND XXXX XXXX OF THE XXXX AND NOW IS XXXX XXXX XXXX. I WANT THIS REMOVED OR I WILL FILED A LAW SUIT AGAINST PNC AND THE DEALERSHIP FOR ALLOWING THIS TO HAPPEN.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC is being once again completely fraudulent with documents deferring payment during this covid. Spoke to agent sent docs back to add to back of loan Now they are stating docs were late padtdue and thdy need complete payment of owed amount. Hassling me over phone every day not receiving the correct datsz due told me initially as long as postmarksd XX/XX/XXXX nd they have not received by mail yet as of XX/XX/XXXX th. Please stop them from this and put balance on back of loan. Second fraudulent claim against them in one month. They told me pmi would be removed and forebearance would not effect it. More lies.
Company Response:
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2020 they email me stating my debit card was suspended. I call them an asked them why and all they state was PNC decided not to do business with me. I asked them when will I received the remain balance of the a direct deposited that was received in my account on XX/XX/2020. I have called them several times and no one can give me an answer on when I will get my money. I also went to a PNC branch where I spoke with a young man and he called the number that a XXXX XXXX gave me which is XXXX with a ref # XXXX and who ever this person spoke with told him. I would get my money sent over night by XXXX XXXX over night. So I called again on XX/XX/XXXX and nobody can give me any answers regarding my money. So I supposed to wait until they decided when they want to give me my money back and loss my place of living and be living on the street and/or not have lights in my home because they decided to close my account the same day my payroll check got deposited. I need help I really need my money to pay my bills. The bank is call PNC bank.
Company Response:
State: TX
Zip: 77532
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A