Date Received: 2023-09-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I feel that PNC bank has racially discriminated against me. Please note, during this tefinance process I had an in person meeting with my loan officer XXXX XXXX and employee XXXX XXXX on about XXXXXXXX XXXX,2023 at which time I complete and sign additional loan documents. Although my loan process began XXXX XXXX, 2023 I originally request loan in about of {$10000.00} to do home repairs on 2nd home in which I own outright. PNC loan officer suggested home equity loan XXXX amot XXXX in which I agreed. I also had my son XXXX XXXX as a cosigner. This loan process began in XX/XX/2023 and despite being told on multiple occasions by loan officer that I would be approved, I was sent a denial XXXX XXXX XXXX2023 for FHA, but the loan processing was still on going no until XXXXXXXX XXXX,2023 did I get another denial. During the loan process PNC began to ask for multiple documents in, PNC required that I pay the XXXX mortgage once they received payoff quote in XXXX, my cosigner vehicle was totaled via hit and run, despite the lender confirming loan paid in full PNC required that get a letter from auto insurance company to also confirm loan paid by insurance company. PNC then required my retiree program confirm that my pension is effective for at least next 3 yrs. I was constantly asked obtain extraordinary amounts data. I was even asked during the " 2nd week of XXXX 2023 '' about a {$430.00} payment made from my checking account during XXXX 2023 which was for health insurance XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were PNC employees that were involed in this matter. I have filed a discrimination complaint and was contact by XXXX XXXX of PNC executive office who that passed my concerns to XXXX. I have requested a refund of my {$660.00} appraisal fee and resoultion.in the way I was treated. On Friday XXXX XXXX, 2023 XXXX advised PNC would not provide refund, Also, I have not received a copy of my invoice.Leanne did not offer any resolution and would only say that " she couldn't discuss outcome in possible disciplinary measures against employees for privacy reasons '. I advised XXXX that " my focus is on why I was misled, for so long and assured that my loan would be approved? XXXX would not address any of my core issues .I have many emails and text messages to support my claim. NOTE : PNC claims debt ratio is reason for denial, yet no new debt was incurred, also my consignor had as mentioned car paid off via insurance and pay increase. I brought that to loan officer attention, her only response was that it wouldn't matter '' and that PNC made an error and miscalculated my property taxes causing debt ratio issue.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Unfortunately PNC DID NOT ADDRESS AT ALL THE MOST COMPELLING ISSUE RAISED The copy and past response from an unknown person does not address the issue that I made PNC aware that I am unable to do online banking. I AM AN AMERICAN WITH A XXXX. UNDER FEDERAL LAW PNC IS REQUIRED TO MAKE REASONABLE ACCOMMODATIONS. I have asked that PNC provides the paper statements to me without imposing a monthly XXXX Dollar fee in the future and provides reimbursement for prior fees. Again, in simple terms I am asking PNC to confirm that they will not collect any paper statement fees from me in the future. Unless PNC address this issues and provides as required under federal law reasonable accommodations I am considering a complaint to the Department of Justice in case PNC again responds with I would appreciate if someone pays attention instead of copy and paste responses.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 a transfer was done out of my hold account and money was put in the daily checking.I did not do this transaction and the bank never gave me a fraud call. Some pretending to be me called PNC accomplished the transfer. I noticed my account was XXXX and something and the local branch office in XXXX XXXX told me several times that this money was flagged and got transferred right back to my hold account. I knew there was an error because of the negative balance.I brought this to the attention of the XXXX XXXX XXXX XXXX XXXXk. I was called by. XXXX and he confit that the money went right out of my account. It never returned. I made a police report to XXXX XXXX XXXX in Washington PA where I believe the theft or fraud occurred. I was telephoned by XXXX again and told her that they needed evidence to convict. She told me to request that the XXXX do a PNC bank supeona so that he can add evidence to his report. She gave me the following address to send it : XXXX XXXX XXXX XXXX. Important Next line- XXXX, XXXX, OH XXXX XXXX I reached out to the XXXX via telephone was yesterday, XXXX XXXX, XXXX. His name is XXXX XXXX XXXX XXXX @ XXXX. The report was taken approximately a month ago. Report no. XXXX. XXXX. I did not get a response. I will follow up with XXXX email asking to XXXX PNC, per XXXX. So I know the person that did this and I want either the bank to fix this for lying to me, or/and have the woman federal charged.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Sat, XX/XX/2023 I deposited {$490.00} in a PNC ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the ATM was counting the cash, it stopped in the middle, the screen said the transaction could not be completed and cancelled itself. PNC did not issue a provisional credit and has not provided a resolution.
Company Response:
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have lost over XXXX from my bbva simple checking account when they got acquired by PNC bank. I called PNC and they said they have no record of my account, please get my money back that is my life savings.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called today to close my checking and savings account with PNC bank. The representative, without my permission, unilaterally transferred the XXXX XXXX remaining in my savings to my checking account. The balance of the checking account is almost {$1500.00}. After making this unauthorized transfer, the PNC computer system would not allow immediate closure of my primary checking account which means I will have to call back another time to do so, AND there will be a considerable delay in me receiving my funds which will in turn cost me the interest that money would earn in another account.
Company Response:
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I noticed on XX/XX/XXXX my PNC credit card expired last month on XX/XX/XXXX. I did not receive a new card so I called the company and they said they had closed my account. This is a bit misleading as I thought I was in good standing with PNC because I received a phone call in XX/XX/XXXX from PNC offering their services such as loans, checking accounts, etc .... Then I recall another phone call from PNC around the mid summer of XXXX just reaching out to me offering their other banking services. If they were going to close my account they should have informed me months prior with their phone calls so that I could plan accordingly and use their credit card.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Two companies are involved - XXXX ( XXXX XXXX ) and PNC Bank- I initiated a wire transfer on XX/XX/2023 that left my XXXX XXXX. We followed PNC 's mortgage payoff letter on where and how to send. The money left my XXXX account but PNC never posted to my mortgage. Neither company is able to tell me where my {$100000.00} went.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. PNC BANK Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account XXXX Date opened : XX/XX/XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct [ XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MOMENTUM XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ] ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MOMENTUM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: An " instant transfer to bank '' from XXXX to my checking account at PNC ending in XXXX for {$980.00} on XX/XX/XXXX never arrived. I have attempted to resolve this with consumer banking support at PNC, the wire department at PNC and also the treasury management at PNC. XXXX asserts that the funds were transferred via the " bank-to-bank Real-Time Payment '' rather than an ACH or direct deposit. No one at PNC is able to assist me and no one seems to know what an RTP payment is even though there is an entire webpage on PNC 's site dedicated to RTPs. Again, XXXX has asserted that the funds have transferred. I do hesitate to escalate this situation ; however, PNC Bank is unhelpful and also unaware of their own services. The transaction ID provided by XXXX is : XXXX. I appreciate any assistance in locating these funds of mine and to ensure that they are promptly deposited in my account. Moreover, these missing funds that were not properly credited by PNC have unfortunately caused my checking to overdraft last month.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A