Date Received: 2023-09-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A trust account was left to me upon my fathers death. My father passed away XX/XX/XXXX. I went into PNC Bank and spoke to XXXX XXXX on XX/XX/XXXX to see about my trust account that my father had left to me. I visited the PNC Bank in XXXX XXXX XXXX First I spoke with XXXX and then to XXXX XXXX XXXX He said that the account would remain in my name and my dads name would just fall off. He ordered me checks and printed me a debit card with my name on it. I just now received tax information that their was an administrative error to my account and that the account belonged to the estate. This is inaccurate information.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On or about XX/XX/XXXX, I opened a bank account with Simple and funded it. Upon information and belief, BBVA Compass had acquired Simple ( formerly " XXXX '' ) at that time and Simple was operated as a subsidiary. Further, upon information and belief, on or about XX/XX/XXXX, Simple was purchased by PNC Bank. ( See XXXX XXXX XXXX ). At that time, I had bank funds in excess of {$1.00} and potentially up to {$20.00}. On Monday, XX/XX/XXXX, I contacted PNC Bank to request a withdrawal and to close my account. I was informed by a PNC Bank " Consultant '' ( Read : Customer Service Representative ) that they could not locate my account. Accordingly, I am left to believe that PNC Bank embezzled the funds within my account by virtue of them losing my account.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a Home Equity Line Of Credit with PNC Bank that was paid in full and closed on XX/XX/. PNC bank returned an escrow payment to me in the amount of {$330.00} in XX/XX/2023. I did receive confirmation of this loan being paid in full with a {$0.00} balance. In XX/XX/2023 I received notice from PNC Bank that I was in delinquent status and I had a balance due of {$330.00}. I visited my local PNC Bank in XXXX XXXX NJ in an attempt to correct this and I was told that I am unable to make any payment on the account because the account is closed. I was advised to mail the alleged payment to the PNC payment center which I did on XX/XX/. On XX/XX/XXXX the check was returned with a letter stating the account was paid in full and closed. I retrieved my credit reports from XXXX, XXXX XXXX and XXXX and noticed this incorrect account over due balance was being reported to all three agency which greatly affected my credit score. On XX/XX/XXXX my XXXX credit score was XXXX, as of today my XXXX credit score is XXXX because of this error. I did dispute this with all 3 credit reporting agencys and have been notified that the information they received is correct. XXXX even changed the status of the account from closed to open and delinquent. I did mail a certified letter to PNC Credit Reporting department with supporting documents but have not had any response. I have talked to numerous agents with PNC that confirm this error but are unable to correct. Despite this account being closed and paid in full in XX/XX/, PNC Bank did collect a third payment attempt on XX/XX/XXXX but has not reflected this payment on this closed account. Please Help.
Company Response:
State: NJ
Zip: 07006
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: PNC makes it purposefully difficult to set up and auto pay regiment, cant make a payment on a credit card online or mobile app and refuse to waive ridiculous {$27.00} late fee.. almost as if it is all by design just to collect late fees. Called and tried to make my minimum payment but they refuse to remove their ridiculous late fees.
Company Response:
State: MI
Zip: 48317
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My mortgage lender PNC Bank is refusing to abide by the methods of payment listed on my mailed statements. When I filed bankruptcy in spring, PNC disabled the ability to utilize online payments. My bankruptcy was XXXX on XX/XX/2023. During the entirety of this time the accepted payment methods listed on my statements have not changed. " PNC Online Banking '' is the first option listed ( and my preferred method of payment ). On XX/XX/XXXX, I called PNC during their operating hours and spoke with representatives and supervisors for XXXX minutes attempting to make a payment. They refused to allow me to make a payment because the debt collection department was closed and they are the only department authorized to accept a payment. At this time I requested online payments be restored as my bankruptcy had been XXXX. I submitted an internal complaint to this effect. Alternatively, I requested my statements be changed to reflect my true payment options as the current statements are false and misleading. I submitted an email to the requested PNC email address with the discharge order from my bankruptcy judge as instructed by the PNC rep. As well as authorized them to pull a credit report or run a XXXX case search to independently verify this information. On the XX/XX/XXXX call, I requested a XXXX Accommodation Request. I suffer from XXXX XXXX XXXX, and being on the phone aggravates this. I put off tasks that require phone conversations, I get elevated XXXX XXXX and have experienced panic attacks while dealing with customer service reps. My reasonable accomodations request was to be allowed to make online payments to avoid phone calls. I was told I would be followed up with within XXXX business hours. However, they stated they would follow up via telephone and refused alternative method of communication such as text or email. On XX/XX/XXXX, PNC called me to respond to my internal complaint. They stated they would not make any changes to reflect what my accurate payment methods would be, they would not allow online payments. I requested information pertaining to my XXXX Accommodation request status. I was told they had no information pertaining to that and could not provide further information or whether a decision was made. On XX/XX/XXXX I called and they accepted my payment via telephone. I requested online payment access be unlocked or my statements be updated to reflect my accurate payment options. They stated they received my email with my attached discharge order, but will not unlock online payments at this time. I inquired about my XXXX Accommodation request, and the agent had no record of me making any XXXX Accommodation request. For a second time, I requested XXXX Accommodation. This time the agent, XXXX XXXX, as directed by her supervisor XXXX XXXX ( title - XXXX XXXX ), stated that I was not even able to make a XXXX request. I needed to have my bankruptcy discuss my mental health with them. I stated that my XXXX Accommodation Request, and internal complaint to recognize my bankruptcy discharge are separate requests and should be treated as such. I stated that I did not hire my bankruptcy attorney to meditate XXXX requests- and thus it is unreasonable to refuse to consider a XXXX accommodation request without speaking to my attorney. They provided an internal complaint number of XXXX. On XX/XX/XXXX, I received a call in relation to my internal complaint. They had no information pertaining to my XXXX accommodation request. I renewed my XXXX request for a third time when she was unable to provide any update. I was told I would receive a return call in couple business days or something I can not recall with specificity. I have not.
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: PNC has mismanaged paying for from my escrow and keeping insurance on my property. They failed to maintain coverage and for 6 months or more, I had no knowledge of this. FHA requires this coverage. They have washed their hands trying to resolve this issue they caused, and instead have sent me XXXX letters threatening to add high-expense coverage on my loan at my expense. Below are the details of the situation : Background of the Issue after I found out my insurance coverage was canceled while trying to file a claim for damages : XXXX. On XX/XX/XXXX, I spoke to a XXXX representative, XXXX XXXX XXXX, who informed me that my policy had been canceled on XX/XX/XXXX, due to nonpayment. XXXX XXXX failed to provide further details or discuss potential reinstatement options. XXXX. Upon this revelation, I immediately contacted PNC Bank, my mortgage company, to understand why a payment was not remitted from my escrow account. As mandated by HUD, I am required to have continuous insurance coverage. XXXX. On XX/XX/XXXX, I was informed by XXXX from PNC Bank about the following : On XX/XX/XXXX, PNC remitted a payment of {$1500.00} to XXXX, part of a total amount of {$40000.00}. Records indicate XXXX cashed the check on XX/XX/XXXX. Surprisingly, the payment was returned to PNC on XX/XX/XXXX. PNC took no further action as to why the check was returned despite the requirement to maintain insurance per FHA guidelines. This situation has caused undue stress, and I seek your intervention to ensure a swift and fair resolution as they continue to mismanage my loan. Thank you for your attention to this matter. I look forward to hearing from you soon.
Company Response:
State: IL
Zip: 62703
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am looking to rent a house and after I had applied for the application ( {$150.00} ), paid for first month rent ( {$1500.00} ) and security deposit ( {$900.00} ), the landlord has disappeared and will not return my money or phone calls. I tried to recover the funds through my bank but theyve claimed theres nothing they can do. Now Im facing the final weeks of where I live and dont have the money to find another place. The landlord had asked me to send him for MORE money for repairs/paint ( which is the CURRENT tenants responsibility ) and I knew that wasnt right so I filed disputes on the charges. Because PNC says theres nothing they can do, this person is free to take {$3000.00} from every person who clicks on his fake listing now.
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have recently reviewed a copy of my creedit report and noticed the following information reporting regarding inaccurate inquiries on my report this month. I was also alerted of my personal information being in a leak and a breach. According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA. I am requesting that you promptly delete all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that under the FCRA 15 U.S.C. & 1681i, every single one unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly removed.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I spoke to XXXX XXXX, XXXX Client Relations. She informed me that my accounts ( personal and business ) were closed due to alleged fraud committed by me. She was not able to provide answers to my questions. However she scheduled a follow up phone call appointment for XX/XX/2023 at XXXX. I made myself available for her on XX/XX/2023. As of today, XX/XX/2023 I have not received any update from her. Questions such as how much exactly from my personal checking was sent to XXXX Bank?, exactly where was remaining funds from my personal account that was sent to XXXX?, exactly how were the funds presented and sent to XXXX bank?, why would someone at PNC Bank discriminate against me and make false allegations of fraud and how did allegations of fraud get initiated as XXXX being told by XXXX bank that PNC Bank kept insisting the check I present on XX/XX/2023 for {$100000.00} was fraudulently presented by me. All the questions are important to know and understand so that XXXX bank can follow up on their end and send me back my funds.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I held two NO FEE accounts with Compass bank which were then acquired by PNC bank in their purchase of Compass. These accounts were converted by PNC to FEE BASED accounts without my notification or consent. I was unaware of there change of the accounts to fee based accounts because I was never notified by PNC of their change. PNC charge fees to the accounts, without ever sending me account balance information until such time as the accounts became overdrawn. Only then did PNC notify me of my accounts being in arrears. I then contacted PNC to close the accounts and pay what I owed. I spoke to a PNC representative names XXXX, who closed my accounts and indicated everything was properly addressed. Later I received notice from PNC that I had an additional late fee, which upon notification, I promptly paid by credit card. Nonetheless, they submitted an adverse credit event to the Credit reporting agencies. I an writing to dispute PNC converting my NO FEE Compass Bank Accounts to PNC FEE Based accounts without my knowledge or consent or me or giving me the opportunity to immediately close those accounts. As a result of their negligence, I have suffered direct financial harm ( loss of principle due to fees ) and negative credit reporting ( due to an overdraft caused by fees ).
Company Response:
State: MS
Zip: 38834
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A