Date Received: 2020-08-07
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: PNC wont let me link my account.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Problem adding money
Subissue:
Consumer Complaint: Pnc not allowing XXXX XXXX access to my money
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: FRIDAY XX/XX/2020. TRIED TO LINK CHECKING TO XXXX XXXX AND PNC WON'T ALLOW. XXXX SENT ME THIS LINK
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Here is a brief summary and details for two major issues below. We started the loan refi process on XX/XX/XXXX. All requested information was sent on XX/XX/XXXX. Conditionally approved XX/XX/XXXX and again XX/XX/XXXX. Introduction to Loan Processing Analyst XX/XX/XXXX. No response from Analyst via phone or email from XX/XX/XXXX, called again and sent followup email XX/XX/XXXX at which point I got a response. All requested information sent XX/XX/XXXX. Emailed XX/XX/XXXX to confirm closing was still set for XX/XX/XXXX, followed up XX/XX/XXXX at XXXX, when no response was provided, I emailed the supervisor of the Loan Processing Analyst, XXXX XXXX XXXX. I got a automated response that she was unavailable and at XXXX I forwarded all information to the supervisors on her email, XXXX and XXXX . XXXX responded on XX/XX/XXXX, closing day, at XXXX confirming that the Loan Processor was reviewing and also confirming for the first time that we wouldn't be closing that day. A new set of requirements and explanations was requested later that day. XX/XX/XXXX, loan processor takes vacation and additional pay stubs requested ( pay stubs sent XX/XX/XXXX ). Email to PNC on XX/XX/XXXX requesting update since no response given. On XX/XX/XXXX, backup Loan Processing Analyst indicated that file was delayed because they needed to complete an extension. XX/XX/XXXX, request for information again that has been provided 3 times already. Below is a full timeline on two items : my wifes joint account with her brother and my wifes salary. Joint Account : First request for information on Joint Account between my wife and her brother was requested XX/XX/XXXX. LOX signed by my wife and brother-in-law explaining 50-50 account was sent XX/XX/XXXX. XX/XX/XXXX, requested another explanation that it's a shared account and first request for source of large deposits. XX/XX/XXXX LOX issued explaining sources of funds. XX/XX/XXXX - Follow up email ( no response ) XX/XX/XXXX - Follow up email. Response that they would check on file. Email later in day requesting source of funds, previously requested and explained on XX/XX/XXXX. Phone call with Loan Processor to discuss repeated request for the same information. XX/XX/XXXX - Email request for source of funds for large deposits into shared account. Documents sent XX/XX/XXXX. XX/XX/XXXX - Email to confirm that this and the Schedule C issue are the only items remaining to clear. Email from Loan Processing Analyst later in the day confirms. XX/XX/XXXX - Email sharing requested source bank account information. XX/XX/XXXX - Request for updates. XX/XX/XXXX - Response that it's still with Underwriting. XX/XX/XXXX - Request for updated statements and again requesting explanation of the same large deposits explained XX/XX/XXXX & XX/XX/XXXX. XX/XX/XXXX - Reply with all documentation requested. XX/XX/XXXX - Request for update. XX/XX/XXXX - Reply confirming that Loan Processing Analyst is on vacation and replacement, XXXX, would help " wrap up your loan. '' XX/XX/XXXX - Request my most recent paystubs. I forwarded them later that day. XX/XX/XXXX - Request for update. XX/XX/XXXX - confirmed delay because they didn't file for the extension. XX/XX/XXXX - Request for explanation of large deposits explained XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and indication of lower credit score for my wife ( upon reviewing the documentation provided by PNC to us, I discovered that the mistook my credit score, 28 points lower than my wife 's, for mine and said that her credit store was decreasing. Needed approximately $ XXXX, has $ XXXX XXXX XXXX : XX/XX/XXXX - Request about Schedule C income. XX/XX/XXXX - LOX with chart of guaranteed salary and bonus with dates issued. XX/XX/XXXX - new request for confirmation of Schedule C income start date. XX/XX/XXXX - Spoke on the phone and requested that they refer to previously issued information. XX/XX/XXXX - Follow up email ( no response ) XX/XX/XXXX - Follow up email. Response that they would check on file. Email later in day requesting start date again. Phone call with Loan Processor to discuss repeated request for the same information. XX/XX/XXXX - Request from Employer explaining Schedule C income and YTD P & L. XX/XX/XXXX - Email to confirm that this and the Joint Account issue are the only items remaining to clear. Email from Loan Processing Analyst later in the day confirms. XX/XX/XXXX - Email sharing requested P & Ls XX/XX/XXXX - Request for updates. XX/XX/XXXX - Response that it's still with Underwriting. XX/XX/XXXX - Response on " declining income ''. Phone call and followup email that I would be providing my wife 's contract with confirmation of underwriter 's error, failure to review, and proof of guaranteed plus bonus income. XX/XX/XXXX - Signed contract sent. XX/XX/XXXX - Email request for update. XX/XX/XXXX - Email request for update. Response later in the day from the Loan Officer that underwriting would " need to be a really good explanation. You have a pretty severe declining trend in gross ( income ). '' Phone calls followed to explain that the underwriting wasn't reading the contract or properly reading the XXXX XXXX XXXX. XX/XX/XXXX - Salary letter of explanation, tax records and P & L sent. XX/XX/XXXX - Request for update. XX/XX/XXXX - Response that it's still with underwriting. XX/XX/XXXX - Request for update. Response later in day with quote from underwriter suggesting that contrary to what was requested by the Loan Officer, they aren't looking for an letter from the borrowers but rather a letter signed by the business owner. No reference to the contract, signed by the owner, that was previously provided that spells out the income. Email also questions suggests that the information provided was wrong and fabricated. I then immediately requested a phone call. XX/XX/XXXX - Email that Loan Officer wasn't answering or replying to phone calls and request for update. Loan Officer 's supervisor, XXXX, responded within the hour. XX/XX/XXXX - Request for update. XX/XX/XXXX - Request for update with further documentation on salary. XX/XX/XXXX - Request for tax returns again.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Other service problem
Subissue:
Consumer Complaint: I am trying to use XXXX to link up to my PNC account as it is listed as able to be used on the XXXX app! I opened an account with pnc for that reason only and they will not allow it to happen
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have attempted to setup accounts now on XXXX and XXXX investment accounts. These Institutions use XXXX services to manage money Transfers. My bank is PNC Bank. They have cancelled transfers using XXXX transfer platforms. I CAN NOT ACCESS MY OWN FUNDS TO TRANSFER ELECTRONICLY WHICH IS LIMITING MY INVESTMENT OPTIONS. This is very frustrating. Please investigate.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: When trying to connect the app XXXX to my Pnc account it refuses to let me
Company Response:
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/XXXX three purchases were made on our PNC account at XXXX in the XXXX XXXX XXXX area. When these purchases were made on XXXX, XXXX, XXXX and posted to our account on XX/XX/XXXX in the amounts of {$29.00}, {$26.00} and {$36.00}, totaling {$92.00}. When we received an email from XXXX stating the purchases had been made we called the bank immediately. It is impossible for me to make purchases in the XXXX area and the XXXX XXXX XXXX area on the same day within very close time frames. It also defies all logic that I would make three online purchases in the XXXX XXXX XXXX area that would be delivered to addresses where I am not. This logic, coupled with the fact that we called the bank immediately is proof that we did not make these purchases. We were issued a provisional credit on XX/XX/XXXX XXXX for the full amount ( {$92.00} ) while the investigation was pending. On XX/XX/XXXX PNC Bank sent us a letter that we received on XX/XX/XXXX informing us that the investigation was complete, and they are removing the provisional credit to our account. The letter states that we are now responsible for the {$92.00}. We immediately phoned PNC and they are still removing the provisional credit ( taking our money ) while sending the dispute through to their dispute department again. I made several phone calls to PNC today ( XX/XX/XXXX ) and I am unable to speak with anyone regarding the details of the investigation that was conducted into these purchases on our account. I am unable to get the reasoning or findings in the investigation that were used to determine that we are responsible for the {$92.00}. Any assistance in the matter would be much appreciated. The reference number for the dispute is XXXX.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have tried countless times to register my account/Debit card with XXXX and it has continuously block to me referring me to talk with my bank ( PNC ) each time my bank has told me the problem is fix, And I still am getting the same results!! .. my account getting blocked due to the Financial institution I bank with ( PNC ) .... HELP!! ..
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC does not allow me to link my own checking account to other banks. They hold my own money, charge me ridiculously high fees just to have a savings account, and then allow scammers to easily access my account.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A