Date Received: 2020-10-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/27 I noticed a pending charge for XXXX that I did not authorize for {$110.00}. I contacted XXXX and they confirm that this was not a valid charge on my account but to contact PNC ( my bank ) to start a dispute. I contacted PNC on XXXX after the amount was posted on the account to dispute the charge. The reason was that I did not make this transaction and this was a fraud purchase. I spoke to several reps that informed me although this transaction was unauthorized, that they can not refund the amount charged. I am contacting the CFPB in order to step in as under good faith I decided to bank with PNC under their fraud protection. Yet when I need it at the moment, they can not provide the feature they are advertising.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX 2019 I went to pnc Bank located in XXXX XXXX mo on XXXX XXXX XXXX XXXX. To dispute unauthorized transactions totalling approx 60,000 dollars and instead was wrongfully accused and arrested charged with terrorist threat and then bank closed my account without ever concerning themselves with why I was at bank such day..and my issue is the bank will not resolve these unauthorized charges and wire transferred totally 60 something thousand dollars.. and i need help. Please help. XXXX XXXX
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have tried since XX/XX/XXXX to resolve this issue with our present Mortgage Company, PNC Mortgage, as well as reaching out to the previous mortgage company ( XXXX ) and the appraisal company we were given of XXXX XXXX ( now known as XXXX ). We received a mortgage bill that included a line item for " Past Other Fees '' for {$390.00}. There was no separate invoice or letter explaining what this sudden charge was for. We contacted PNC on several occasions to get an explanation and we requested by phone for a separate bill advising us what the charge was for. We were finally advised on a long call with a customer service representative that this was for an appraisal done XX/XX/XXXX for XXXX XXXX ( previous mortgage company ) by XXXX XXXX. No one could tell us why PNC was charging us for this now, after 5 years. No one has let us know whether this was paid, or why PNC is billing us for it 5 years later. We did find out from XXXX that XXXX did order an appraisal when the PME was dropped, but we don't know whether we were notified when this happened ( or billed or should have been ), we still do not know whether XXXX paid XXXX XXXX or no one was paid, and if we were supposed to pay why we were not officially notified and billed. We are submitting a written request for information today to PNC as we are still waiting from our calls in the Spring XXXX to find out who paid who -- or not. We are willing to pay this bill, if it is correct and we have all of the information in a letter and or invoice detailing what we are being charged for and who was paid. We do not want this to effect our credit, nor our good standing with our loan ; however, we are getting concerned that we have still not received the information we requested in writing from our many phone calls.
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: On XX/XX/XXXX I made a complaint against PNC regarding a NSF fee that posted on my account. Complaint number XXXX. On XX/XX/XXXX PNC Supervior XXXX reached out to me and resolved my first complaint. On XX/XX/XXXX I filed another complaint against PNC regarding to charges they placed on account. Complaint number XXXX. To which CFPB/PNC deemed as a duplicate to which it is not. On XX/XX/XXXX I contacted CFPB regarding the error and per CFPB rep XXXX advised that I have to filed the complaint over and explained that this a totally different complaint. On XX/XX/XXXX PNC Bank charged my account with two fees in amount of {$100.00} ( {$96.00} excessive withdrawal and {$4.00} monthly service fee ) In my prior complaint ( XXXX ) I explained that I reached out to PNC and spoke with their rep XXXX who stated that she " tried '' to request a refund onto my account in amount of {$100.00}. In addition, I explained that PNC Bank had NEVER charged me such fees and I had withdrawals from the months of XXXX and XXXX. THIS IS NOT A DUPLICATE COMPLAINT!
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Was promised a job that I got. They then sent me a {$3100.00} check to purchase my mini home office. But wanted me to use their credited vendors. Via XXXX and XXXX XXXX. I sent {$2300.00} in total. XXXX via XXXX XXXX and XXXX via XXXX XXXX. To the apposed credited vendors. Then, 5 days later the check bounced and I tried gwtting my koney back and XXXX XXXX is refusing to pay. Telling me I should ask the person a refund which I did and they denied it. XXXX XXXX refused to help any further. XXXX XXXX is taking their sweet time and is under review. I called my bank and tried to dispute the check in general along with those charges I made ending up being part of the scam. Not bank account is over XXXX in the negative with acquiring {$36.00} over draft fee every day its in the negative. I just want the entire check to be cleared. I have screen shots of the purchases and emails with the so called " job '' I qas hired with. I even filled out a w4 for the company so I assumed it qas a legitimate business.
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a PNC Account on XX/XX/XXXX giving the bank attendant my PA Drivers license that states my name, XXXX XXXX. The person who opened the account for myself, and my son stated that they ( PNC ) had me in their system from back in XXXX as XXXX XXXX, my then married name and that it would be easier if I kept my name as it was in their system even though I gave her my drivers license stating my name as XXXX XXXX. I called on XXXX XXXX, XXXX and asked to close my account since I had seen that my son had changed the overdraft protection on the account and that there was a negative balance of $ XXXX. I called the PNC Bank ( location XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) asking if I could make an appointment to come in and pay off the negative balance and then close the account. They said I would have to bring my divorce decree showing the name change ...!!!???? I was divorced in XXXX and do not have such paperwork anymore nor should I have to since I didn't sign up as XXXX XXXX because that is not my name anymore! It was in XXXX but I opened this account in XXXX using my name XXXX XXXX. They won't let me close my account because of their own choice of what my name should be.
Company Response:
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNC Bank advised us that they would refinance our loan at 3.3 % thirty year fixed and if we invest $ XXXX with them, they will do a discount of XXXX points and XXXX points for {$1.00} XXXX. We provided them our records and sources of investment and met with their investment group. After listening to them, we decided that we would be open to $ XXXX investment, and if we like their performance we can do more later. After we informed them, they came back and said they will not do the loan and it should be XXXX {$1.00} XXXX investment. After telling them, that they did a bait and switch, they asked a manager and he said to not complain with regulators and instead will provide $ XXXX of credit on one property and $ XXXX on second to make up for our experience. We provided them all of our information in XXXX ( two 401K, IRA, multiple properties, savings with enough cash to carry us three years even without a job, far above minimum ). Subsequent to that no responses received again on loan status. After complaining that it has been nearly a month and half we started again sending them my bonuses, pay stubs, investments and stocks, insurance, mortgages. They asked my HR to provide them records of bonuses and stubs showing bonuses, which we did comprehensively. We provided them copies of three years of taxes. Still two months later and nothing. Then they asked for same items again for third time and put a long list of items through a macro-based file to my HR who stated that they have never seen anything like this, it can have cyber security issues to open these files, and finally beyond confirming employment bonus rates, they can't fill out some 15-20 questions that are beyond basic question of bonus structure and salary an confirmation of employment. The bank has refused to fund our loan, refund charges for credit and appraisal. They never intended to do this loan and has dragged us for nearly four months now. If they had any issue with my income they should have asked for that before dragging us this long, asking for appraisals and keep blaming COVID. Why ask for same information three times and never act on it, the answer is the bait and switch. They wanted our investment and never intended to fund this loan. Their conduct is fraudulent, in bad faith. Let me state that I emailed them with this narrative, they confirmed that this bait and switch indeed happen and they were sorry. This is all in writing from their mortgage rep and his Vice president copied. 4-5 months is beyond good faith business practice. I asked them for refund twice and they refuse to do so.
Company Response:
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: on XX/XX/2019 my next door neighbor 's house was on fire, the fire came across the property line and both houses suffered " bad '' fire damage. Both homes are attached by a property line wall - sometimes called 1/2 twin or duplex home. Both of us have the same bank PNC Bank and are required to have insurance to cover the houses if we have a problem. the two houses together have over {$500000.00} worth of insurance. the problem is that PNC bank has not followed through and gotten the repairs done to both houses. I have called and complained and at this point I have started putting comments complaining on PNC advertising. They said they would get back to me but they still have not days later. Over the months I have spent more than 12 hours trying to get the insurance claims office to get work started on the house next door Pnc bank says since I do not own the property they will not give any information. I started some repairs in XXXX when the virus opened up the work field but repairing a house with a " fire pit '' next door is useless. I have had calls from the insurance claims department and they leave a PNC number to call back but it is not the correct department -they are trying to avoid my calls. I am homeless for more than a year - my insurance is running out I need my bills, rent food etc due to the fire paid and Pnc still has not made anyone get the house fixed. I did threaten PNC that I would go to the FDIC and basically they laughed at me. I am not happy that I have to pay my mortgage, insurance, taxes all the expenses as if I live there and the bank - refuses to get the houses fixed. it is not fair -- - how will I pay my bills? and get back into my house? PNC should make sure the buildings are fixed in a timely fashion if they make us buy insurance. Oh they have an insurance claims office and they call me every 25 days and ask what work has been done on my home -- and when I ask about next door they say they can not comment -- - that bank is taking my mortgage money and using it for their investments and they do not help or try to get my home repaired so I can move back in. oh they have said at least 2 times they would investigate and send me information- the information they send me is a list of all the different accounts and things they can do for a customer at PNC nothing that a complaint has been filed and a bank employee will investigate my questions and get back to me they also say I have to submit all information on this complaint if I forgot anything it is because of my age and the fact I am not a lawyer or accountant so you should be open to help me fix my complaint and get my house rebuilt there are so many more statements I should put here about not being able to get my house fixed I am adding this - as I get information - I am in a hotel room being exposed to covid 19 virus and have no file cabinets I have to search for a copy of my PNC bank loaXXXX XXXX my life destroyed - and I do not have any of my memories or furniture and my life will never be the same
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PNC Bank informed me I needed to settle a credit card payment. I was able to successfully settle this with XXXX XXXX and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a Money Market Certificate purchased by my late mother ( XXXX XXXX XXXX ) for $ XXXX 10.85 % interest purchased on XX/XX/1985 from XXXX & XXXX, later XXXX XXXX, now owned by PNC Bank. PNC Bank investigated this for 1 month. PNC concluded : The MMC was cashed it. However there is NO PROOF-None. PNC also states they dont keep records over 7 yrs old. My mother was a payroll clerk for XXXX XXXX. She kept meticulous home financial records/journal. She would not keep a Worthless XXXX still in its original plastic envelope. I can not afford an attorney.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A