Date Received: 2020-06-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XXXX I called & applied to refinance my home. Simply wanted to get cash out from 60 % equity I had. Dealing with PNC has been a nightmare! Ended up with a Home Equity Installment Loan at 4.24 % interest. First letter states 4.04. Todays interest rates are around 3 % The mortgage I refinanced is in XXXX XXXX XXXX XXXX name at PNC. Both of us have excellent credit. Must have made 15-20 voicemails & phone calls to them & most of the time no response. I believe PNC does these home equity loans to make more money. Ive had 10-12 mortgage in my life. Five rentals non-owner occupied. Never misleading like PNC.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC will not allow me to connect my bank account to other services that I want to use.
Company Response:
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I can not Connect my bank to a third party app that helps with my finances and needs it for withdraw and deposit
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Other service problem
Subissue:
Consumer Complaint: I tried to link my card to my XXXX XXXX and it told me my bank made changes to my bank that prevents me from doing that.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Pnc has made it difficult to link to outside financial firms. As this is standard practice it makes it appear that they are attempting to prevent transfers out.
Company Response:
State: IN
Zip: 47803
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Other service problem
Subissue:
Consumer Complaint: I am not able link my bank account with a third-party service that I have verified.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: PNC Bank will not allow me to connect my account with XXXX
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I can't link my account to an investment account.
Company Response:
State: PA
Zip: 16823
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Its saying its having difficulties connecting my bank
Company Response:
State: NC
Zip: 27217
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX of 2019 on I spent one night at a XXXX XXXX hotel near XXXX while attending a family event. I had reserved the hotel room using a PNC credit card. The quoted rate was XXXX $ per night. Normally I use my credit card only for reservations and use a debit card during check out. The hotel however charged the PNC credit card and for which I was unaware. More than 9 months later I received a call from PNC informing me that I owed over XXXX $ on the credit card. I told the PNC representative that I have not used the card and do not normally charge anything to credit. That there was a mistake. She informed me that the records showed a charge in XXXX of 2019 for roughly XXXX $ and a second charge of XXXX $ from XXXX XXXX hotel. The remaining charges were late fees and interest. I informed her it was a mistake and the second XXXX $ charge was definitely wrong since I spent only one night at the hotel. She told me I would need to have that erroneous charge of {$250.00} resolved with the hotel. I had never received a statement or credit card bill from PNC, her phone call was the first time I became aware of the charges. I asked where the bill was sent and she told me an email address. It was an incorrect email address. I asked why they hadn't called. She said they had called and when I asked what number she gave me an old landline number that has not been in service for over 18 months. She told me I would need to pay the original charges of the XXXX $ and erroneous XXXX $ to clear my credit and that the accumulated late fees and interest would be waved. I would need to recover the erroneous XXXX $ from the hotel. I agreed and paid the original balance of over XXXX XXXX I also asked the card be cancelled so that no further charges could be made on the card. Since then I have been receiving calls from PNC credit informing me that I now owe over XXXX $ and is accumulated late fees and interest. Each time I repeat my story and then told it is noted in the record and that a supervising is looking into it, yet the continue to add charges and continue to call. I had been a customer of PNC for over 30 years. I never use the credit card and is reflected in their history. In summary, 1. My card was erroneously charged with {$250.00}. 2. I was unaware of the charges and PNC was sending the statements to the wrong address and calling a phone number that I no longer had. 3. PNC continued to charge late fees and interest on a card I cancelled and on a balance I had paid, despite the charge being erroneous. 4. I have been told by several representatives that the issue is being handled by a supervisor, but continue to receive phone calls and told that fees are still being charged to the credit card account. 5. PNC is attempting to collect over {$600.00} of additional fees and interest on an original charge of XXXX $ which had been subsequently paid along with an erroneous charge of {$250.00} that had also been paid.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A