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
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
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
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
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
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
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
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
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
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