Date Received: 2020-08-22
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/2020, I requested to have my mortgage payments deferred for three months from PNC Bank. The representative I spoke with over the phone told me that the entire payment, both the principal ( ~ {$1400.00} ) and interest ( ~ {$2200.00} ), would be deferred. The representative told me that I would need to sign some documentation at a PNC branch location in order to complete the request, and I was told to wait for their phone call when the documents were ready to be signed. I received no phone call or further contact from PNC Bank and did not sign any documents which I was told needed to be signed. I did not make my mortgage payments for the three months for which I had requested deferral. However, XX/XX/2020, PNC Bank took {$8800.00} from my account without any notice. I called PNC Bank multiple times to complain about the charge to my account and was told that it was for four months of interest. I spoke with XXXX XXXX, who was in charge of the commercial mortgage department at PNC Bank. He was very rude and unhelpful, even informing me that this is the first time anyone has complained about this issue. PNC Bank did not want to resolve the issue and return the money to my account which never should have been taken out. I hired an attorney, and on XX/XX/2020, my attorney sent a letter via certified mail to the PNC Bank legal department. I have still not received any response. I feel as though I have been scammed by PNC Bank. Firstly, because I was told that both the principal and interest of my payment would be deferred. My interest is much higher than my principal, so there is no reason I would request a deferral if the entire payment was not deferred. Secondly, I was told that I had to sign documentation at a local PNC branch, but I never signed any documents from PNC Bank regarding my deferral request. If I had been informed that the interest would still be charged, I would never have made a deferral request at all. Thirdly, my regular payments were supposed to resume XX/XX/2020. However, instead of being charged my usual monthly payment, I was charged for four months of only interest, even though my deferral request was for three months. I was charged an extra month of only interest. I spoke with the local PNC branch manager about my situation, and she informed me that 9 out of 10 people have complained about the same issue. Lastly, as a result of PNC Bank 's wrongful withdrawal of {$8800.00} from my account, I was unable to pay rent for my business and I am now facing a lawsuit from my landlord.
Company Response:
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I tried to contact PNC Bank to settle the HELOC I have with them but they are ignoring my request and making the communication dificult. I'm refinancing my first mortgage to pay off the HELOC but I don't have enough equity and PNC need to provide a settlement with a lesser amount. I have tried several times with no success. Please assist with the request.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XXXX 2020, I have no record of making a payment to PNC credit card services. On XX/XX/XXXX, I called XXXX, and talked to the bank consultant. I asked for the full balance due. I was informed that I owed {$250.00}, which I paid by debit card with the Reference Number XXXX. On XX/XX/XXXX, I was contacted by PNC by phone, and told that this was an attempt to collect a debt and that my credit score might be adversely effected. I declined to make a payment at that time. On XX/XX/XXXX, I spoke with a bank consultant, who informed me that the debt was due to a late payment in XXXX. I stated that, if that was the case, I should have been so informed when I contacted the bank on XX/XX/XXXX. The bank rep told me that she saw my payment of {$250.00} on XXXX XXXX, 2020. However, she said that the late fee and interest were still due. I stated that I should have been informed of this on XX/XX/XXXX and that the penalty and interest should be removed from my account.
Company Response:
State: KY
Zip: 40031
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Friday XX/XX/2020 my PNC debit card was used for {$900.00} following a {$270.00} charge as well a {$280.00} CARD FREE ATM ACCESS funds withdrawn. I am an XXXX XXXX XXXX XXXX with XXXX XXXX XXXX I was scammed by a guy who stated he could get me an SBA loan for XXXX XXXX I gave him all of my personal information name social DOB account # routing # bank user name password and debit card number I thought it was a lot but my business is on the verge of being nonexistent due to COVID19 I contacted PNC and told them about what happen nobody has offered to send me a debit card or even get me a debit card issued they have restricted my online access so me being the actual acct holder can not see or get into my acct they were holding me liable for the fraud until I called and told them that Im not paying for something I did not do and they are holding my paycheck from me from my job during this pandemic I have no $ for anything I need because they wont allow me access I spoke with an agent named XXXX XXXX he was so rude to me did not want to offer assistance he denied my request to speak with someone else he was being deliberately unhelpful and did not know any information I had to give him my information in regards to everything he completely tore my spirit into many pieces in regard to PNC or any of their business practices he was so discourteous and I have no faith in the company what so ever it makes me want to file a lawsuit for pain and suffering. This person also filed so many wrong and unwilling disputes on my acct causing a lot of issues with merchants I have rapport with.
Company Response:
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a conventional loan, so legally the PMI should have come off when we had the loan paid down to 80 % by request, or 78 % automatically. This 78 % threshold was reached approximately three years ago, we are now down to approximately 60 % of the loan, the mortgage company ( PNC ) only stopped the PMI off last month after we called them about it. They are not repaying us for the extra PMI payments we have made over the last 3 years, they also appear to have misfiled our mortgage as a FHA loan in the fact that on our statements it shows up as MIP payment instead of PMI as it should say for a conventional loan.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX approximately XXXX PNC Bank located on XXXX XXXX and XXXX XXXX in XXXX PA denied me a {$5000.00} dollar withdraw from my checking account. The funds were available but the bank manager asked me where did the funds come from. I told her my insurance company which it clearly states on the deposit. Then she ask what is is for. I told her for my house. She then ask what its for again. By this time i answer can you give me my money. She goes in the back for 15 minutes. Then comes back and says we cant give you the money. I had my camera out and she said i cant record her and she didnt answer any questions after that. I then said I would like to close my account, which she denied me.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened an PNC core visa account 2yrs ago. As the no interest terms was ending I spoke to the manager at the XXXX location and asked if there is a way to extend the no interest. He explained that I could apply for another and transfer the balance if I qualified. The manager at this location I've gone to for banking advice regularly and when I applied for the first Core Visa he took my information and did the application for me. He applied and got me the other Visa and told me to bring in the checks from the new Visa to pay the other Visa balance. I did this and he paid off the balance except {$930.00} XXXXwo days before the payment was due on this card. He explained what he did and told me that the next payment I could pay it or the payment required. The next month I received both bills and paid the new card monthly min. payment but had questions with the old card because it was the same monthly payment I use to make before the balance transfer. I questioned this with that manager and he agreed and said that he would call their credit card service dept. to see why. He told me to not wait to pay it until he speaks with them. I asked him about them reporting if I don't and he said no because it will be in disputed while he worked on it. I checked in with him a couple of times and he was still working on it. But the last time I called they said he no longer work there. Also at this time I received info about my credit dropping 200 points because of this. None of my PNC accounts has ever been paid late and if my report is looked at it reflects that. Missing payments doesn't fit my history. I've contacted PNC about this and they are refusing to fix this. I was directed by one of their banking officials what to do and feel as if I did everything I should have as a consumer and believe this is been miss reported. It doesn't make any sense that I would pay all of my other PNC accounts and not this account without being told by the manager of the branch. They aren't standing by what they tell their consumers because while working and trying to resolve this with them I agreed with Ms. XXXX in esclation dept. to pay the remaining balance of {$930.00} in full and she would remove the late fees. I paid the balance in full but they still have a {$53.00} bal. that shouldn't be there per our agreement. Now if I don't pay that bal. they will miss report that as well as not paid and continue to ruin my credit. This isn't fair to me as a consumer because I use my credit to make a living as well. PNC needs to fix the errors on my credit report and the balance on the old card per their agreement made by their employees. You go to a banking official to get guidance because that's not your profession and supposed to be able to trust the advice they give. Please help me with this complaint, thank you.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have used my PNC Smart access card for years, they have put XXXX dollar worth of fees on my card they used to charge between XXXX cent XXXX cent for foreign transactions but recently they have charged me XXXX to XXXX cents every transaction, They blame the merchant and the merchant blames them considering the fees were taking from my account its PNC who is doing this. I think it is robbery to charge someone fees every time they use their card. I already pay a fee to have the card every month. I have reported them to the XXXX now I am telling you. PNC does not care about their customers and even if they do charge fees this is during COVID 19 they really shoudnt be charging customers any fees during this time if they had any human compassion!!
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PER THE CFPB ... I contacted PNC Bank ... was in touch and communications with PNC Bank - and was transferred to a DIFFERENT person who was assigned by PNC Bank Executive and got transferred back to the original person who cut me off - XXXX XXXX. SHE WENT DEAD QUIET AFTER I PROVIDED PROOF OF PNC BANK HARASSMENT When I sent her all the proof of from USPS and Caller ID. After she " claimed '' my address and telephone numbers are " not in PNC database ''. But it was. HAVE NOT HEARD FROM PNC SINCE! THE 2ND FOLLOW UP COMPLAINT WAS CLOSED AND MARKED AS DUPLICATE WHEN ADDITIONAL PROOF OF WAS ATTACHED. -- -- -- -- -- -- -- -- -- - Original Complaint from 2 previous complaints against PNC DEAR CFPB, AS YOU CAN SEE THE FRIVOLOUS CLAIM MADE BY PNC AND THEIR DENIAL THEY EVER COMMUNICATED WITH ME VIA PHONE OR USPS ... I HAVE NOW ELECTED TO PROVIDE MORE PROOF OF ... USPS MAIL. THE CASE " CLOSED '' PREMATURELY IN REFERENCE TO : CLOSED CASE MARKED : XXXX THEY REFUSE TO SETTLE FOR XXXX AND INSOMUCH - HERE IS ADDITIONAL PROOF OF. ATTACHED IS A USPS MAIL FROM PNC BANK WHICH WAS RECEIVED IN TODAY 'S MAIL! I AM NO LONGER GOING TO XXXX : RETURN TO ADDRESSEE / NO SUCH PERSON. RECEIVED 3 MORE CALLS TODAY AND YESTERDAY - ASKING FOR A MR. XXXX XXXX, A MISS XXXX XXXX, AND TODAY, MS. XXXX XXXX XXXX! ENOUGH ALREADY! STOP! ORIGINAL COMPLAINT : SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXX-XXX-XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S ) ARE APPEARING IN THE SYSTEM. THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank is the servicer of my current XXXX XXXX home mortgage. PNC was assigned as my servicer when my loan was sold on XX/XX/2020 after my most recent refinancing. I submitted a request in writing ( via email per PNC policy ) to terminate my escrow account on XX/XX/2020. After multiple inquires via telephone, I received a letter date XX/XX/2020 approving the removal of my escrow account. Unfortunately, this letter also stated that PNC will be charging a " escrow account closure fee '' of {$670.00}. After multiple phone conversations, including the highest ranking supervisor with which I was allowed to speak, I was informed that there is no way to remove this fee and that it is all legal per my loan conditions. In the previous three refis, I have never run into this sort of issue. I've closed multiple escrow accounts over the years on several properties without ever being charged a " closure fee. '' I've never been late on a payment, never asked/received any bank assistance, and have more than any required equity in this property.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A