Date Received: 2020-09-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have 2 loans with PNC. One is a very old line of credit over $ XXXX. I have called, sent messages from their online portal from account, but no response. PNC is consistenly misposting my payments. An example is I pay {$1000.00} / mo but my monthly payment is XXXX {$700.00}. They are instructured to apply any additional funds included with my monthly to be applied to the loan ( s ) principle but they are not consistently do it. They are posting some as principles but just as many toward interest. I've been dealing with them for years. I rarely have time to dig in to the details but then when I do and try to resolve it ... I get no response. Can you please?
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to the Covid pandemic, PNC and other banks were offering a 90 day forbearance, with the possibility to extend up to 180 days. On XX/XX/XXXX, due to the fact I was not working, and collecting unemployment, I applied for the 3 month forbearance. The girl I spoke to on the phone told me to fill out the online application, which I did. They were supposed to send you a confirmation in the mail which I never received. I called to see what was going on with my application on XX/XX/XXXX, and spoke to XXXX XXXX, and he said he was reapplying for me, and going to route it to the people that will take care of it, and to call back to make sure. When I called back, I spoke to XXXX who told me it was still processing, and she will put in for 2 more months for me. That would be 5 months up until XXXX, and I told her that would be good because I may be going back to work in XXXX. It was very clear on that phone conversation that's when it was for. I got late bills, and when I called the line of credit department, they submitted a complaint. The woman in the complaint department said it was only for 1 month in XXXX that I was offered, which is not true. It's even online for 90 days, and I'm sure 90 days was the law. When I asked to listen to my phone conversations, she said I couldn't. Now I am 2 months late, with another payment due this month, and I still am out of work. I do not understand why they keep telling me it was for 1 month, when I applied for 3 in the very beginning. I was told that on the very first day I applied.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, I opened a checking account with PNC Bank, based on its location to the home I had relocated to a year-and-a-half ago, free checking without a minimum balance, and alert measures it has in place for individual accounts. I deposited {$500.00} in cash. I was then offered Overdraft Protection, which I know is an unsecured loan. When the banks representative asked me if I knew my credit score, I told her it was nearly 800. I completed the form, then left the bank shortly thereafter. The rep called me later to say the loan department was requesting a form of identification and Social Security. She said I should bring them up and shed make copies to send them. I did as she requested, although since she had already taken my Drivers License, I found this suspicious. She later called to say I had been denied. She was afraid I would be upset, but I told her it wasnt a problem, since I had lived at my current address for less than two years and the Overdraft Protection was for {$1000.00}, as opposed to the {$250.00} I carry at my credit union. I had not yet closed that account because of the timing of my Social Security auto deposit. Later that evening, it occurred to me that I had recently had to notify a retailer that the statement they had sent me was addressed to a person whose name has plagued me for several years. We have the same first name, although spelled differently, different middle names, and last names, except for one of hers, beginning with the same letter. I was served with papers several years ago by XXXX XXXX XXXX for one of her debts. My attorney provided numerous forms of identification, birth certificate, marriage certificates, and divorce papers, along with photo ID to the prosecutor before the suit was dropped against me. Later that evening, I received an email through my secured PNC account that my loan had been denied based on my XXXX credit report. So, I checked my XXXX report, only to find the other persons name appearing on the reports cover page. My name, along with 13 variations of her name, a spouse I never had by that name, and five addresses not associated with me, and my Social Security number, along with two others, numerous creditors not belonging to me, along with an account in collections. The credit score was nowhere near accurate. All information on my XXXX and XXXX accounts are correct. After two disputes filed with XXXX, the information under my name is correct. I was told by an XXXX representative, laughingly, that the files have been merged. The first rep started correcting information to be disputed without even asking me what needed to be disputed, so the mistake was obviously made by XXXX. The remaining problem : If HER name, MY Social Security number, address, and phone number are queried in XXXX, her accounts come up. I have frozen my credit. I now have closed the PNC account based the turmoil created by XXXX, as well as a rep in their Loan Department telling me the Hard Inquiry, based on an inaccurate credit report, would only remain there a couple of months, then it will drop off, which is totally inaccurate and a great underestimate. I have also spent {$85.00} to mail certified/return receipt requested letters to all creditors on my account that belong to her.
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: PNC BANK AND XXXX CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH PNC. I CONTACTED PNC BANK WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX AND I CONTACTED PNC BANK AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST PNC BANK AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT XXXX HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED PNC BANK FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I deposited my stimulus check with mobile deposit with PNC XXXX XXXX social XXXX and someone stole my check out my car and cashed it at XXXX XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, the mortgage loan officer from PNC Bank received the executed agreement signed by both the seller and the buyer ( me ), specified for a vacant lot purchase. The loan officer assured me they could provide the loan for this property and for me to proceed with the seller. This included a non refundable deposit, that was only applied after I received reassurance from said loan officer that they were confident in the loan and the closing date. One week later, I asked the loan officer about some specific fees on the closing documents, and he replied 'I did not realize this was a vacant lot, we don't offer vacant land loan '. So my deposit is lost due to their error, and the scheduled closing is XX/XX/XXXX. I am yet to hear from anyone at PNC, and have not received any cancellation documents. The mortgage loan officer said I should get a call from his boss on XX/XX/XXXX, and I have received no call. This is unacceptable to put a customer in this position with no resolution.
Company Response:
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Attempted to contact PNC by phone several times between XX/XX/XXXX and XX/XX/XXXX. Was not able to get through to a representative. Also, PNC stopped allowing communications through secure message due to their workload. I was attempting to close my account. On XX/XX/XXXX a monthly service charge of {$25.00} was assessed to the account. I have requested by phone on XX/XX/XXXX that the fee be reversed. The representative informed me that they could not reimburse the fee and could not transfer me to a supervisor.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to complain PNC 's poor check deposit and fraud defense system! I am an international student. In XX/XX/2020, I, unfortunately, ran into a scam based on an employment opportunity at the XXXX XXXX University XXXX XXXX XXXX posted on XXXX. The fraud mailed me a check ( {$7800.00} ) to deposit for purchasing equipment for the " remote job ''. I deposited in the local PNC branch, and I told the fraud that I need to wait until the pending ends, which means the check is approved by PNC and posted on my bank account. However, PNC just used 1 day to approve the fake check and posted the money ( {$7800.00} ) to my bank account. I trusted PNC and sent money to the fraud. I was thinking I was using the money in the check only! Then, after 1 day, I realized the " employer '' was a fraud. So, I called XXXX immediately, and I also called PNC and PA Attorney General to report this scam. Right after 2-3 hours, in the afternoon, PNC told me the check was returned unpaid! And they wanted to blame on me for sending money to the fraud! I highly doubt PNC 's security system on checks. It was even me who told them there was a problem! As a XXXX XXXX, I have no ability to tell whether the check is true or fake. And I even don't know that when money is posted on your account, it can still be bounced back. To me, PNC failed me by posting the fake check in 1 day. There was no single alert for fraud or scam at all! It's a scam supported by the bank! If PNC, in the end, refuses to take their responsibility for this case and wants to blame everything ( {$7800.00} ) on me, I can't even afford to pay all the lost money which is more than I have! I am a hardworking person who has a XXXX of XXXX XXXX from the XXXX XXXX University. I pay taxes and try so hard to be a valuable element for this society. Please help me by standing against this bank system full of flaws!
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Beginning with the XXXX mortgage payment, my servicer determined a large shortage in projected escrow and began collecting monthly catchup payments. In late XXXX, I reviewed the shortage calculation and noted that they calculate the shortage due to a property tax disbursement scheduled for XX/XX/2020. However, my county has tax due date of XX/XX/2020. Thus, my escrow shortage was determined to be one normal monthly payment larger than actually required. I contacted my servicer, who indicated that their policy is to pay taxes early. I don't think it makes sense that they can institute a policy that accelerates payment needs to them arbitrarily. My understanding is that under Regulations, the servicer is allowed to keep as a reserve up to two months of escrow payments ; however, by paying taxes early the servicer is able to manipulate and overstate the shortage.
Company Response:
State: MN
Zip: 55426
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To whom it may concern. I am filing a complaint regarding my experiences with PNC. I opened an account around XXXX of XXXX from that time on I have kept a minimum balance of {$500.00}. In XXXX of XXXX, I opened a secured credit card and put {$500.00} down instead of the {$300.00} minimum the representative asked for. For the last six months, I have maintained at least a {$5000.00} balance in my account and have made all six secured credit card payments on time. Last week I was in PNC XXXX XXXX Branch in Maryland and was proactively solicited for an unsecured credit card. The associate was aware of my relationship with the bank and stated I would be eligible for an unsecured credit card. My current credit score is XXXX. They have denied my request for a credit card and have denied my appeal.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A