Date Received: 2020-05-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: I tried to link my XXXX XXXX account to my PNC account to transfer money fro. My PNC account to XXXX XXXX and they are denying the transfer with a block
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Other service problem
Subissue:
Consumer Complaint: PNC won't let me link my account to an investment platform
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Other service problem
Subissue:
Consumer Complaint: I use XXXX XXXX XXXX and have a PNC credit card account. My credit card was compromised and I received a new card. When I went to update the card on XXXX website XXXX received a message that PNC will not allow them to link.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Other service problem
Subissue:
Consumer Complaint: Pnc is blocking XXXX transactions for no apparent reason Also it's pretty complicated just to file an initial complaint on this site.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The loan servicer/lender has failed to operate under good faith and fair dealing and that it has unclean hands because it has not made a reasonable effort to abide by the U.S. Department of Veterans Affairs ( VA ) Regulations, Statute, and Guidelines. VA Mortgagees are legally obligated to offer and/or grant VAs recommended loss-mitigation to veteran borrowers prior to initiating foreclosure proceedings. Servicers/lenders have a responsibility to both the Veteran and the VA. Specifically, VA requires servicers to : act in the best interest of Veterans and the Government, service VA loans to the highest standard, respond timely to Veteran and VA requests, pursue collection and loss mitigation efforts with a focus on home retention, provide timely and accurate data to VA and the Veteran, comply with all applicable laws, regulations, manuals, and formal guidance. The servicer/lender in this case has been in complete disregard of the VA Regulations, Statute and Guidelines. The promissory note and mortgage attached to the foreclosure complaint provide that the loan at issue is guaranteed and insured by the VA. The note and mortgage specifically provide that any of their provisions that are inconsistent with the VA statute or regulations are amended and supplemented to conform thereto. These documents specifically incorporate into their terms certain federal regulations issued under the VA guaranteed Loan Authority ( Title 38, Chapter 37, United States Code ) that govern the rights, duties, and liabilities of the parties to the loan. Title 38, Section 36.4350, Code of Federal Regulations, titled Servicing procedure for holders, requires that the holder of a loan guaranteed or insured by the VA must develop and maintain a loan servicing program and specifically sets forth certain minimum actions that a holder must include in its collection procedures against borrowers in various stages of delinquency. The foreclosure complaint established that we defaulted on the note and mortgage by failing to pay the monthly installment payment due on XX/XX/2011. Based on the age of the loan, 38 C.F.R. 36.4350 ( g ) ( 1 ) ( iv ) required that a letter be sent by, or on behalf of, the servicer within 82 days after this payment was due. This regulation also required that the letter contain certain mandatory language that, among other things, warns the veteran about the possibility of losing the entitlement to a future VA loan guaranty and gives direction as to how to obtain assistance and information directly from the VA to discuss options to reinstate the loan. See C.F.R. 3650 ( g ) ( 1 ) ( iv ) ( B ). The servicer/lender/holder failed to comply with statutory conditions precedent of 38 C.F.R. 36.4350 by failing to provide a timely and proper notice and an opportunity to cure the default. VA encourages servicers/lenders to consider loss mitigation options that allow the Veteran to retain their home. The servicer/lender failed to approach me on all home retention options and more specifically on a loan modification. VA requires Servicers/lenders to review the modification option that is most appropriate for the borrowers circumstances. In my case, the servicer/lender neglected to inquire about my circumstances and neglected to review the modification options to determine the one that was most appropriate to my situation. Servicers/lenders are encouraged to continue solicitation of a modification throughout the borrowers delinquency and the foreclosure process. But, in my case the servicer/lender again neglected to continue the solicitation and to give me the opportunity of a modification.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I requested two balance transfer transactions to be processed over the phone to take advantage of the PNC promised 0 % interest rate. The transaction I have requested and authorized on a recorded line were as follows ; 1- in the amount of {$7000.00} to pay off my XXXX XXXX XXXX XXXX XXXX XXXX 2- in the amount of {$3500.00} to pay my XXXX XXXXXXXX XXXX XXXX XXXX The PNC Bank representative asked for both credit cards information and in good faith, I have provided all the requested information. They then proceeded to read me a legal disclosure clearly stating the amounts I have requested and I agreed to the above mentioned transactions. Please note that my credit limit is {$12000.00} with PNC. After adding the balance transfer fees, my balance should be XXXX + XXXX + XXXX ( Fees ) = {$10000.00} should be charged 0 % interest until XX/XX/XXXX as per the disclosure I agreed to on a recorded line. Heres what PNC processed ; 1- A balance transfer in the amount of {$7000.00} accurately to my XXXX XXXX XXXX XXXX XXXX XXXX 2- A balance transfer in the amount of {$5400.00} of unauthorized transaction. This error has caused : 1- My account PNC account to go over the limit. 2-My XXXX XXXX XXXX Balance to remain the same 3-My Credit Score to drop from XXXX or so to XXXX after I worked on it for years. After a quick research, I found out that PNC paid the {$5400.00} to XXXX and it was applied to my Credit Card. When I reached out to PNC ; they connected me to an Escalation Manager named XXXX and she opened Case Number : XXXX XXXX, pulled the recorded calls and confirmed that it was a bank error and was trying to resolve it. She left me a detailed Voicemail confirming that it was a Bank Error When I called back, I spoke with XXXX XXXX who had placed me on hold to research the issue and also confirmed it was a bank error and also had left a detailed Voicemail confirming it is a bank error. I asked to dispute the charge to help them get the funds back from XXXX, she said she had to escalate it further and thats when I first spoke to XXXX XXXX who had also confirmed on our initial conversation that it was a bank error but asked me to ask XXXX to reverse the payment. I called XXXX ; and they said the only way they can do it is by mailing me a check and that they are unable to send it back to PNC. I asked PNC to process my dispute, reverse the Balance Transfer charges, report the accurate balance to the Credit Reporting Agencies, and adjust my account status. And I will send them a check for the {$5400.00} XXXX XXXX said he would have to research options with his XXXX. XXXX XXXX called me today on XX/XX/XXXX and said that it is NOT a bank error and I have to send them the check if I want my balance adjusted, and they make no promises or guarantees to adjust my credit status. He also said that they are denying my dispute, although they know and admitted it was a bank error. When I asked him to escalate it further because it is a bank error and it is completely not fair and dishonest to deny what was previously confirmed ; he said it ends here and denied my escalation request. I ended my call with him and called XXXX the first Escalation Manager I spoke to, she said she can help me escalate it further and someone will reach out to me within 24-48 hours. This has been ongoing for long and my credit is negatively impacted due to no fault of mine.
Company Response:
State: NJ
Zip: 07751
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: For the past four days ( XXXX XXXX, 2020 ) I have been trying to use XXXX to transfer money ( USD to XXXX ) from my PNC account to my fiance 's XXXX bank account via bank debit ( ACH ). I have done this several times before with no problems, but now it keeps saying that XXXX is " having connectivity issues with PNC '' and I have not been able to transfer the money. This is becoming a huge problem and my continued attempts to try to straighten it out via the PNC website have only resulted in wasted time and continuous prompting to use a third party app I have never heard of before to do an external transfer.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I am a sole proprietor. My client preferred to use XXXX for his transactions of payment of invoices. This method had worked for several months. On XX/XX/XXXX I had submitted via email two invoices that just so happened to equal the same amount for this month, both were for {$720.00} On XX/XX/XXXX I accidentally sent the client {$720.00} when I was first using XXXX rather than requesting it. I was rushing through the transaction and immediately discovered my mistake upon its completion. I immediately contacted my PNC bank and requested the funds be returned because I could not find the cancel transaction button on XXXX. I later learned that you can cancel a Request for Money through XXXX, but you can not cancel the Send Money transactions. This is crazy to me. PNC said that this would need to be done peer to peer and that they could not reverse the transaction. Another mystery I do not understand. I can stop almost every transaction that I do but this one. My client was not immediately available, but I sent a second transaction through XXXX with the memo to my client of what had taken place. I said in the memo of the XXXX transaction, " please send back the funds I accidentally sent to you. '' When I later spoke to my client he was understanding of the accident and joked that he was glad that " he didn't make the mistake. '' He checked his accounts and said that it had not gone through either account. He even sent me a screenshot of his account activity for that day. It did not show the supposed XXXX deposit that XXXX documented. He paid both invoices on that date fo {$720.00} each. I told him that I would check back with him the next day in case it took some time for that money to come into his account. When I checked with him the next day, he told me that the transaction had not gone through I continued to check back and forth with him through the XXXX when I decided to enter a dispute with PNC Bank. This met with great confusion by every associate that I spoke with since the payments for my invoices were for the same amount as the money I sent to my client. They would tell me, " well on the twentieth he returned the money to you. '' I said " no, you don't understand, I had two invoices for {$720.00}. He paid both of those invoices, but because he says that he never received the money into his account, he was not going to send the {$720.00}, I sent him {$720.00} accidentally and two invoices totaling {$720.00} each. He paid the invoices, but the {$720.00} has not been sent back and he said it never reached his bank. '' The associate said that they would enter the dispute and said that if the XXXX transaction was not claimed within 14 days, the money would be returned to my account. This lasted approximately 18 more days, I continued to call to assess the progress but there was not progress and the XXXX transaction of {$720.00} had not been returned to my account. They said that they would continue to research the dispute. On XX/XX/XXXX PNC placed {$720.00} into my account and listed it as provisional pending the conclusion of their investigation. On XX/XX/XXXX, they pulled the {$720.00} provisional funds from my account and claimed that the dispute was denied. They claimed that the transaction was processed as instructed and therefore the money would not be returned to my account. I contacted my client and advised him that PNC Bank was claiming that he had received the funds despite his insistence that he had not, and that they were denying my dispute. He immediately sent me an emailed copy of his bank account statement for that time period that showed no deposit from XXXX to his account. I requested that PNC Bank send me all of their investigation into the activity so that I could see what their investigation had shown. They said that they would send that to me in a letter and it would take XXXX business days. That letter dated XX/XX/XXXX arrived on XX/XX/XXXX and basically said the exact same thing that their previous letter to me said that my dispute was denied. In that same letter, it states that I have a right to request the documentation we relied on in making our decision. On Tuesday, XX/XX/2020, the day after memorial day, I contacted PNC Bank and spoke with an associate named XXXX. She advised that they had no documentation to provide to me. I questioned that if they had no documentation to provide to me, how did they come to the conclusion that the dispute should be denied. She said that XXXX transactions were final and that this was the final answer. In my opinion, No Investigation really took place.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX and XXXX I was assessed 7 overdraft fees on transactions. I dispute the validity of 5 of them. I overdrafted in the first place due to a deposit from my employer not arriving as previously expected, so I do take responsibility for XXXX of the transactions overdrafting. All transactions were initiated on XX/XX/XXXX, though some I have since been told did not officially post until XX/XX/XXXX. I began my day with {$170.00} in my account and initiated the following transactions first : {$9.00} - XXXX {$43.00} - XXXX XXXX {$37.00} - XXXX {$9.00} - XXXX {$64.00} - XXXX Those transactions total {$160.00}. Each was initiated when funds were shown as being available in my account. The following two transactions occurred after {$300.00} - ATM Withdrawal {$92.00} - XXXX PNC is claiming that the first 5 transactions did not officially post until the XXXX or later, even though they were initiated first. They in turn posted the {$300.00} withdrawal as technically first then, causing all transactions to overdraft - even though when they were initiated funds were available. I've subsequently been told it is my job as a consumer to guess when a transaction may technically post and I shouldnt assume it will the day the transaction actually is initiated. This feels against the spirit of the CFPB rules on this topic. I checked my available funds, they were there, I initiated my transactions, I ended the transations still with funds in the account, but another transaction jumped to the head of the line and caused the overdrafts. This is not fair.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Other service problem
Subissue:
Consumer Complaint: I used to be able to tie my account from pins into the XXXX app because it really helped me when I was in a pinch to get money u til my next pay day.. and now there was something changed with the app and I can no longer use the service!! This is completely ridiculous
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A