Date Received: 2020-08-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: had a XXXX dollar fraudulent charge from XXXX and XXXX that I would not pay. they PNC credit deemed the charge was fraud and removed it from my bill. Since then I have done everything requested and made the payments requested and they now have a XXXX late fee on my account ... My credit history is flawless and I have paid my account in full every month for over XXXX years. Never late ... I don't even know where this late charge is coming from. Sanctioned stealing by PNC should not be allowed..
Company Response:
State: IA
Zip: 50310
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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: My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a {$50000.00} HELOC though PNC in order to do repairs to my house. I provided all the information necessary. After a couple weeks I received a letter stating that my financially my loan had been approved based on my income and credit score. At that time all that was pending was confirmation of the security for the HELOC. A few days later I received an email stating that my loan application had been approved. When I called in to schedule the closing I was told for the first time I would have to pay off a private loan in the amount of {$9000.00} ( I was fine with this ) and a student loan in the amount of approximately {$35000.00}, leaving an available credit of {$6000.00}. I was told this was necessary due to my debt to income being over 55 %. I was told due to COVID-19, their regulations had changed and there was no way to go over that amount, even though all parties agreed I could pay the loan as the maximum loan amount was less that the payment on the personal loan. Upon further review, we determined that the student loan payment being used was wrong which was improperly inflating my debt payments per month. PNC was using the contractual payment to determine my payment and not the income based repayment I was paying, as allowed under Federal Law. I provided updated figures showing my payment being made along with statements, and proof of income based repayment application being approved for 2021 and the payment though 2021. After review PNC underwriting refused to accept this information and lower the debt because I have to reapply for the income based repayment every year. I should not be punished because I have income based repayment on my student loans. After PNC refused to re-review I provided proof of additional income via a lease agreement for my roommate. This was provided after discussion with my loan officer who advised that the lease can be submitted as proof of income. I provided the lease per the request of the loan officer. The loan went back to underwriting and was approved again with the same payoff conditions. When I spoke to a loan officer after I was advised that the lease income was used and the underwriter was just refusing to remove the student loan payoff even though my debt to income was now under 50 %. I requested this be escalated as PNC told me it would be removed should by debt to income fall under 50 %. After not receiving a response to my multiple calls or my email or emails over the next day, I finally was able to get a hold of my loan officer. Suddenly the information I was provided the day before was wrong. Even though I was originally informed that the income from the lease was used, I was later notified that the lease was not used because it comes from a single family detached home and not a multiple unit home. I have done everything I can to try and get this resolved with PNC and they have refused to follow their own offers. They also refused to provide the survey via email and lien about a regulation for some odd reason.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC bank. Was promised {$500.00} bonus for virtual wallet performance ( 3 in 1 account ) with deposits totalling {$5000.00}. I deposited {$5000.00}. I made multiple calls to get my {$500.00} bonus. I contacted them on XXXX. I even spoke to the executive team several times. I emailed the executive team the flyer, that showed the terms for the {$500.00}. They promised to give me the {$500.00} bonus several times, but have not over the past 5 months. They also do not let me transfer my money out. They imposed arbitrary ( in my opinion ) monthly limits of {$2000.00}. Why can I not transfer my money out? I finally closed my account today.
Company Response:
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: I tried to transfer money direct from my account at PNC, as I did many times before, and it has been impossible, since I can`t access my account.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I'm trying to obtain a debit card for my child and unable to link my account to the actual debit card so that she has access to funds. I was provided and directed to this link to file a complaint in the matter.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Problem adding money
Subissue:
Consumer Complaint: I was trying to add my Visa visual wallet PNC bank card to my XXXX XXXX and it says that the card cant be supported to this app
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Problem adding money
Subissue:
Consumer Complaint: I rely on transferring my money through XXXX XXXX, to my family. Being as that the PNC APPS are sub par at best, I havent been able To use the XXXX application embedded into their app. This leaves me with no other option to switch banks, especially when I am authorizing the use of the app to transfer money to my sick family members. This is terrible and Ive never experiences such bad coding in an app, nor have I ever been told that I couldnt transfer money in the way I see fit! The app never works, and Im at a loss. This needs resolved ASAP!
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Other service problem
Subissue:
Consumer Complaint: I want to link my bank account to XXXX XXXX app and PNC won't allow me. Its MY account and MY money and that is MY right. I have 0 % XXXX issue finding a new bank.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Trying to set up my children with a XXXX XXXX card and unable to do so. Also, I have an issue with online payments. I pay my mortgage online every month before the XXXX, yet it does not transfer the payment until over a week later. I will be canceling my account with PNC tomorrow because of this practice. You are incurring interest on my loan by your negligence in transferring my funds in a timely manner.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A