Date Received: 2023-09-06
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: On XX/XX/XXXX, a XXXX meeting was held in regards to a Court Order involving the foreclosure of home equity loan. I represented myself at the meeting and requested that the lender, PNC Bank provide validation of my mortgage loan. PNC Bank had recently purchased the loan from Compass Bank. I asked PNC to show the delinquent payments in the form of individual monthly mortgage payments, rather than a lump sum of past due amount. I believe the amount of the delinquency was greatly inflated and did not represent the amount owed. At the Judge dismissed the Court Order to foreclose and asked us to work together. The Judge instructed PNC Bank to validate the mortgage loan according to the guidelines. During this time I was undergoing XXXX XXXX at XXXX XXXX in XXXX, Texas. I did not hear from the mortgage company during the remainder of XXXX. They did not provide a debt validation letter. Instead, they proceeded to manipulate the loan by removing my home equity loan from the Judicial Court requiring a Court Order to foreclose to the county court that did not require a court order. At the end of XX/XX/XXXX, the bank scheduled foreclosure sale of my home for XX/XX/XXXX. I learned about the foreclosure a day earlier and filed XXXX XXXX Bankruptcy to stop the sale. I proceeded to get HUD counseling and debt remediation from PNC Bank. The XXXX XXXXXXXX was lifted because my attorney did not follow guidelines. As soon as the stay was lifted PNC bank set another foreclosure sale date for XX/XX/XXXX. I tried to work with the bank. I would soon be finished with XXXX XXXX and that I would be able to earn income. The bank informed me that there was nothing I could do and that they would proceed with the sale. However, my previous XXXX XXXX had been lifted because my atty failed to file papers. Because of this neglect the stay was lifted and the PNC bank instigated another foreclosure sale date for XXXX XXXX. This time I refiled XXXX XXXXXXXX Bankruptcy to stop the foreclosure. The bank is not willing to help me. They insist on foreclosing on my home. I have spoken many times with the bank and the only solution they have is to take my home.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I bought a complaint against PNC I believe on XX/XX/XXXX concerning my account that had been hacked XXXX and XXXX up to {$10000.00} that have been stolen out of my account the cup the bank gave me XXXX {$50.00} worth of credit for the funds that was stolen out of my account and the following week they reversed the credit and charge me {$1200.00} to pay them back. I requested over and over again at least six times for their proof of evidence that they came up with that proves that there was no error done on my account. As of today I have not received. instead of PSC do it a full investigation as to what happened to my account they made a decision to close my account without even informing me therefore charges that were made one that accounts will not be able to be refunded through XXXX its because the account is closed also they did XXXX every single claim I thought that I submitted without proof of one of their evidence that shows its theres no ever which theres no proof that could be what this isnt any proof that could be produced they just denied all of my claims and close the account which I believe is illegal you i in and trust the bank to manage your money and protected PNC Oz me about {$10000.00} worth of funds based on monies that have been taken out of my account illegally by the bank and buy a person who I have no idea who has been able to access my account and get mailed debit cards in my name this has happened twice. I was unaware of a debit card that happened in my name. I said XXXX until I request a big statement from PNC because they stop sending me bank statements as of XX/XX/2023 therefore I had no idea what was transpiring into my account until my account got overdrawn. PNC Bank made a decision to close this account and the night every claimed that I submit it without doing a thorough investigation and also without sending me the proof of their claim of no error this is illegal and try just need to be filed against PNC Bank they all me about {$10000.00} and some of their employees have live shot money out of my account without me authorizing it particularly the XXXX branch they submitted a withdrawal of {$44000.00} out of my account that I did not authorize I would like the PNC to be brought up on charges A PNC customer service representative told me that there is no documentation that they were able to come up with concerning XXXX. The charges that were sent to my account that they made a decision on me calling and filing a claim that was what they made a decision on which is a form of discrimination, which is a form of illegal transaction concerning the bank and their promise to protect the customers funds. I have no idea how a decision could be made based on me calling and telling them that this transaction was not mine that is absolutely no way a decision could be made based on that this is the information that I was given and then I recorded also PC allow someone to make ATM withdrawal within one day of {$1200.00}. My ATM withdrawal limit is only XXXX. I have never been able to make the ATM withdrawal of {$500.00} myself that was an ATM withdrawal of {$600.00} on one day I have never been able to make an ATM withdrawal of {$600.00} this year is I believe is internal or computer I would like my money back I sold my house and this is funds from the selling of my house. I want every XXXX of XXXX is the old me back and I want them to I want charges to be found against them for illegally closing an account without first settling all claims with.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I was recently offered a work from home position XXXX XXXX XXXX I was forced to deposit checks into my bank account and transfer them via XXXX XXXX to obtain my home work equipment. This total transaction was {$13000.00}. I am now responsible for the fake money that went through my account by the scammer by the name of XXXX XXXX. I need help to get my funds back as this has taken everything from my family and we are now unable to survive.
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Complaint XXXX We still have not received our funds and it has been almost two months and we can't pay bills due to PNC not providing our funds.
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX a transaction on my bank account for the amount of {$590.00} was still pending at the time but posted on XX/XX/XXXX for XXXX XXXX XXXX XXXXXXXX XXXX XXXX which was an online purchase with my bank account and all my information. I have never even been to the amusement park nor do I like roller coasters. This purchase was not done by me. I got a notification from my bank stating my bank account is overdrafted at the time I did not have much money in the bank so on top of the {$590.00} charge. I was also charged a {$36.00} overdraft fee. I immediately called PNC bank to let them know I did not make that charge. The customer service rep told me they were temporary, reverse the charges and start an investigation. There was nothing more I needed to do unless I heard back from PNC Bank requesting more information. A little over two months later I receive a letter from PNC dated XX/XX/XXXX and it was XX/XX/XXXX when I actually received a letter, the letter was dispute. Investigation is complete, and they had denied my dispute and said that I was at fault because the information on the transaction matched my information. The previous credit was reversed on my bank account so the money was pulled back out of my account {$590.00}. And then call PNC Bank to explain everything from start to finish and explain once again I did not make the charges nor did anyone have consent to use my account! The customer service rep was very helpful and said he was going to dispute the dispute but that did not work because the money was pulled from my account that same day! PNC Said the transaction was valid because the tickets are in my name and XXXX XXXX checks ID to match the tickets at the park entrance. PNC suggested I check my email to see if there was any emails from XXXX XXXX because I explained the email they used is one I do not use, its basically for junk emails. We ended the call and I checked my email and there was 2 emails from XXXX XXXX. One was the order confirmation and the other was a thank you for visiting email. The email confirmation / receipt Which was two admission passes {$60.00} each to XXXX XXXX XXXX, XXXX each which is the front of the line pass to meal dining deals. Whats your {$41.00} each one all day drink bottle which is {$22.00} and preferred parking for {$45.00} so it this point Im very take him back and confused!!! And then decide to call XXXX XXXX and ask them about the purchase to see if they can tell me anything that might bank didnt. I spoke with XXXX and we were talking about the purchase, and she asked me if I wouldve use the tickets whose names wouldve been on them? I told her myself and my husband which our names are XXXX and XXXX XXXX and then stated that those were not the names on the tickets and on the confirmation email they spelled my name with an XXXX and I dont use an XXXX in my name. XXXX then says I need to call your bank and give them this info. The XXXX XXXX employee also stated that they do not check ID with one day. Admission passes only with season passes which is silly then why do they put names on it? So I called my bank back to let them know the new information and then I felt like that was enough proof to reverse the charges so I can get my money back and they still denied it for the second time and Im at a loss of what to do I have filed a federal commissioners identity theft report online And not sure what to do next cause theyre not giving me back my money!!!! I definitely did not purchase those tickets to the amusement park. Im literally so behind on my bills now because of all of this and my bank not having my back during a time they should be defending me! Im very disgusted and will be closing g my account with them as soon as this is all done with. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: The first week of XXXX I contact PNC Mortgage to pay down my HELOC to XXXX. I was told to go online, use button for " pay off amount '' and to pay that amount. I did, which resulted in overpayment of {$1000.00}, but also received a notice that I owed {$220.00} in interest since I did not specify how much was to go to principal vs interest ( I was not told to do this ). Additionally, I was told upon follow-up XXXX that I should have requested a mailed payoff statement, and that I should ignore and not pay the XXXX HELOC statement I would receive. I had no way to shut off autopayment from the PNC checking ( which had {$0.00} in it ) for the XXXX payment. There should have been no payment since the HELOC account was overpaid ( had a negative balance ). However, PNC pulled {$1000.00} out of the account, and now I am in overdrawn status on my checking. The last week of XXXX I had called again and asked how to get this account down to XXXX. I was told I had to transfer money into the checking ( takes 5 days for PNC to clear this ) and pay the interest of {$220.00} before they would reimburse me for the negative balance on on HELOC. I was all set to do this today when I noticed the XXXX payment and overdrawn checking which I did not authorize ( any never applied for overdraft on this account ). I have requested a daily breakdown of the account for the past two months so that I can understand the flow of money, and still have not received a payoff statement after XXXX XXXX XXXX over XXXX month. I can not get a straight answer as to how to get this account to XXXX ( principal and interest ) and believe that I may be overcharged with interest payments at the same time they owe me money for paying down the account too much. This is after multiple issues originating the account earlier this year, and having them decline checks made on the account where they said my signature did not match the loan documents ( I checked. The signatures were identical ). There are so many issues with the service and the product. The staff does not seem to understand how the product works, and the process to get information by mail is antiquated. In the meantime the payment amount changes by the time you receive the information ( if you receive the information at all ). Additionally, PNC clearly does not want complaints. They make it nearly impossible to provide feedback, and it has to be by phone. The phone staff does not know how to handle or document or escalate complaints. There is no way via email or mail to provide complaints. Multiple phone calls this year I have said " this is a complaint '' ( on a recorded line ) and never receive any feedback. They make it impossible to document a formal complaint. I will be closing out this account as soon as I can get the balance XXXX out and I absolutely do no recommend doing any type of banking with PNC. I work for a bank, and having seen what we have been asked by our regulators to make it easy and responsive for customers to file complaints, I am astounded that PNC is able to operate this way.
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This complaint is in reference to a charge-off account # XXXX with PNC Bank.I am currently on XXXX XXXX and have been since XXXX XXXX relative whom I put in charge to handle my affairs was denied twice in a PNC branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to PNC Bank several times about the issue with no response.I also requested my account be placed on " military hold '' .Subsequently PNC Bank reported my account as a charge-off to all 3 credit bureaus XXXX, XXXX, AND XXXX spoke with PNC Bank service members escalation group case manager.I submitted my military orders and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 109XXXX C cancellation of debt as PNC Bank has received a tax benefit for said debt, but failed to send me a 1099-C which is required by law.I have also disputed this with XXXX, XXXX AND XXXX. Instead of PNC correcting the account or removing it, PNC Bank updated the balance amount with XXXX.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Interest rate
Consumer Complaint: In XXXX of XXXX I was quoted a rate on my home equity of XXXX on a Friday I picked up a check for {$20000.00} before spending the money my husband called the bank that Saturday and was quoted XXXX the following Monday we spent the money when the first statement came the rate was XXXX the employee who quoted the rate is gone and Pnc Bank XXXX XXXX XXXX XXXX pa XXXXwill do nothing to help us they admitted the mistake and say the employee is gone I hope they are not working at another bank Pnc Bank really don't care they have done nothing not even a sorry.
Company Response:
State: PA
Zip: 15601
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem when making payments
Subissue:
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1604 section 2 states a consumer can not report an account without my approval. 15 USC 1666B a credit agency can not report my account as late for any purpose.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Getting the loan
Subissue:
Consumer Complaint: I was invited to apply for the personal loan with PNC. I had a good XXXX XXXX however, they denied me because my tax returns or filled out by hand and I typed in which I thought was ridiculous. I do my own tax returns. And then it showed up as a hard inquiry on my credit report, which is preventing me from getting approved an additional loans I would like this PNC hard inquiries removed my book report immediately.
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A