PNC BANK N.A.


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"Products" offered by PNC BANK N.A. with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Manufactured home loan
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - USDA mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Credit repair
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - Mobile wallet
Prepaid card - Payroll card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 3773531

Date Received: 2020-07-31

Issue: Problem caused by your funds being low

Subissue: Overdrafts and overdraft fees

Consumer Complaint: On XX/XX/20 I received an email from PNC bank informing me my account was negative {$54.00}. I made 4 online transfers from my reserve account to bring the account balance positive on XX/XX/20. Then at XXXX on XX/XX/20 I receive an email saying my account was overdrawn on XX/XX/20. After reviewing my account pnc had reorganized my transactions causing me to overdraft. I brought the account current again on XX/XX/20 by transferring {$150.00} to my checking account from an outside account to bring it current. When I view my online account history my pnc account shows I have an ending balance of {$48.00} on XX/XX/20. When I called a rep at pnc on XX/XX/20 they informed me my ending balance was - $ XXXX on XX/XX/20. I believe PNC online banking is deceitful. It will show pending transactions, then drop them off from your account and online balance total for a few days before reposting them to your account again. I have been informed by a rep on a previous call that online bank balance is not a true representation of the actual account balance. This seems to be the case again and this is the second time it has happened.

Company Response:

State: OH

Zip: XXXXX

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3773209

Date Received: 2020-07-31

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: I am trying to link my savings account to XXXX.

Company Response:

State: PA

Zip: 161XX

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3773199

Date Received: 2020-07-31

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: I went to attach PNC bank to XXXX to see what subscriptions I have with XXXXXXXX and my bank has completely blocked me from seeing anything.

Company Response:

State: DC

Zip: 200XX

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3772792

Date Received: 2020-07-31

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue:

Consumer Complaint: On XX/XX/20, I filed a complaint with CFPB against PNC Mortgage compliant ID XXXX. On XX/XX/20, I received a phone call from PNC, stating that I was on a RECORDED LINE and the lady wanted to speak to me regarding my complaint with CFPB. I ask why are you calling my home and anything that you want to speak to me about should be put in writing and submitted to CFPB. I also stated that when I tried to resolve this issue no one wanted to speak to me and was passed around to different people like a basketball!! I REQUESTED THAT PNC, NOT CALL MY HOME AGAIN AND TO SUBMIT THEIR RESPONSE THROUGH CFPB. PNC TRIED TO RECORD ME!! I want it on paper in case I need an Attorney to get this issue resolved

Company Response:

State: PA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3772707

Date Received: 2020-07-30

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: PNC made a change that will not let me link my XXXX saving app.

Company Response:

State: OH

Zip: XXXXX

Submitted Via: Web

Date Sent: 2020-07-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3772618

Date Received: 2020-07-30

Issue: Trouble during payment process

Subissue:

Consumer Complaint: Im trying to get XXXX XXXX to have them pay my rent so I can make smaller payments throughout the month because I dont always get paid on the XXXX of the month when my rent is due and there is over a {$100.00} charge for late rent. Please allow me to link my bank acct so I can avoid late fees for my rent. Thank you. Ive been with PNC over 10 years.

Company Response:

State: FL

Zip: 34698

Submitted Via: Web

Date Sent: 2020-07-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3772407

Date Received: 2020-07-31

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: tried to link my pnc account to my XXXX XXXX and is not allowing me to make transfers

Company Response:

State: NJ

Zip: 08105

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3772384

Date Received: 2020-07-31

Issue: Closing on a mortgage

Subissue:

Consumer Complaint: Two escrow accounts were established by PNC Bank Mortgage for the Conventional loan. 1. Initial escrow account beginning XX/XX/XXXX XXXX. Escrow/Shortage Account beginning XX/XX/XXXX The results of the Aggregate analysis conducted " before establishment '' for the Initial Escrow Disclosure Statement as required by Federal Regulation 12 CFR 1027.17 affirmed by the Federal Deposit Insurance Corporation ( FDIC ) compliance manual is requested. Disbursements for the initial escrow computation year period XX/XX/XXXX thru XX/XX/XXXX estimated XXXX Unimproved Property Taxes {$320.00} Hazard Insurance {$1200.00} estimated XXXX Improved Property Taxes of {$6600.00} Please provide the " periodic payment '' calculations ( {$440.00} ) by the Aggregate Analysis and the " amount to be deposited '' ( {$1000.00} ) before establishing the escrow account with supporting source documents. XX/XX/XXXX the Initial Escrow Computation Year Period by Federal Regulation ( 12 CFR 1024.17 ( b ) was unlawfully REDUCED by PNC Bank Mortgage from twelve ( 12 ) months to five ( 5 ) months and a new escrow computation year period began XX/XX/XXXX thru XX/XX/XXXX for 12 months. The Escrow Analysis and Trial Running Balance is requested which INCREASED the Total actual improved XXXX property taxes from {$2600.00} t the loan settlement to {$3300.00} as the alleged new Total ACTUAL annual improved property taxes disclosed to be disbursed XX/XX/XXXX. The monthly property tax escrow DEPOSITS were REDUCED although the TOTAL CHARGES for annual AND XXXX estimated improved property taxes INCREASED. THE WRITTEN EXPLANATION IS REQUESTED. To VERIFY the above changes in the escrow account PNC Bank Mortgage processed a {$1300.00} refund from the escrow account. XXXX XXXX the escrow account was INSUFFICIENT {$3600.00} AND WOULD XXXX EACH ESCROW PERIOD FOR 30 YEARS AS INACCURATE INSUFFICIENT MONTHLY DEPOSITS WERE DISCLOSED BEFORE THE LOAN, T SETTLEMENT, IN SERVICING THE LOAN AND AFTER THE ACCOUNTING ERRORS WERE DISCOVERED XXXX XXXX XX/XX/XXXX WITHOUT DISCLOSING THE ACCOUNTING AND LOAN DOCUMENT ERRORS TO CONSUMERS APPARENTLY BY THE AUTOMATED LOAN AND DISCLOSURE COMPUTER SYSTEM OF PNC BANK MORTGAGE. Disclosed inaccurate XXXX and XXXX annual property taxes estimated and actual disclosures to Consumers prior to the loan, for loan settlement documents, Aggregate Accounting document ( not disclosed to consumers ) Initial Escrow Disclosure Statement, the HUD-1 Settlement Statement of alleged ACTUAL BEST AVAILABLE PROPERTY TAX CHARGES AT THE LOAN SETTLEMENT BY EVIDENCE HAD BEEN INACCURATE PROPERTY TAX CHARGES INCORRECTLY DISCLOSED ON ALL LOAN DOCUMENTS BEFORE THE LOAN SETTLEMENT. Why was the escrow account INSUFFICIENT and monthly escrow deposits INCREASED {$1100.00} PER MONTH WITHOUT EXPLANATIONS- THE PROPERTY VALUE HAD DECREASED, THE EXEMPTIONS HAD INCREASED TO BENEFIT CONSUMERS, THE FIVE TAX RATES WERE VIRTUALLY UNCHANGED. NOT PAYMENT SHOCK AS DEFINED BY HUD/CFPB. XX/XX/XXXX THE ESCROW/SHORTAGE ACCOUNT was established by PNC Bank Mortgage. The results of the Aggregate ANALYSIS conducted apparently " BEFORE THE ESTABLISHMENT '' OF THE NEW Escrow -Shortage Account as required by Federal Regulation 12 CFR 1024.17 as affirmed in the FDIC compliance manual is requested y the consumer for EACH ESCROW PERIOD as it appears EXCESSIVE FEES were UNLAWFULLY EMBEDDED IN THE ESCROW SHORTAGE ACCOUNT. The accurate completion of the Aggregate Analysis and Aggregate Trial Balance will disclose the accounting Violations The Aggregate Analysis and Aggregate Trial Balance Statement is requested for each change in monthly escrow required deposits for the loan. {$700.00} = 1 periodic escrow computation period payment {$640.00} = 7 periodic escrow computation period payments {$980.00} = 3 periodic escrow computation period payments {$980.00} = 7 periodic escrow computation period payments Intention Violation of 12 CFR 1024.17 and 12 U.S.C. 2609 ( a ), ( c ) ( 2 ) ( A ).

Company Response:

State: TX

Zip: 770XX

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3772357

Date Received: 2020-07-31

Issue: Other service problem

Subissue:

Consumer Complaint: trying to link PNC with my XXXX account the bank has blocked this. Its my money

Company Response:

State: PA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3772320

Date Received: 2020-07-31

Issue: Problem adding money

Subissue:

Consumer Complaint: I opened up a XXXX XXXX Account by XXXX and when I went to connect my PNC Virtual Wallet bank account to the XXXX XXXX Account, in order to add funds to the new account I was presented with an error. I was informed that PNC had made some recent changes that they are currently having connection issues with PNC Bank and that if I try to connect I will unlikely to succeed. This now prevents connecting my account with certain accounts, which apparently the XXXX XXXX account by XXXX being one. I believe this is absoIutely rediculous that I am unable to connect MY PNC Virtual Wallet account with a trusted XXXX XXXX account by XXXX and be unable to utilize this service now. This is now preventing me from getting up to 30 % off XXXX product purchases if I was able to add funds to use my account. I am extremely displeased with this inconvenience!

Company Response:

State: NJ

Zip: 081XX

Submitted Via: Web

Date Sent: 2020-07-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.