Date Received: 2020-05-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX I started a refinance w/cash withdrawl. There were numerous issues with me viewing loan docs so the officer sent then to my door via XXXX XXXX without asking, no signature required. The package left on my step contained every bit of information to assume my identy in it. This upset me and when speaking to the loan officer I was offered an apology and that wasn't not their normal practice to ship like that. At this point I just wanted the person who dropped the ball off my loan but I was willing to continue. Along this same time I was receiving multiple calls from the appraiser pushing me to schedule. Mind you I had not paid my app fee or even recieved loan documents to review before paying a {$960.00} non-refundable non-transferable fee. At this point ( beginning of XXXX ) I ended the refi and told them I would be going with someone else. The loan was not canceled it was sent to the underwriter. Because of this I was receiving emails urging me to long onto an account the I could never access in the first place to view non existant docs and even one saying since I hadn't logged in to view them they would be sent to my home again. I contacted the officer and begged nothing be sent, I heard no response and was told " we can not confirm nor deny there is a package with you information heading to your home ''. I filed complaints with PNC, 7 or 8 so far and on the XXXX of XXXX my refi was finally cancelled. This was after receiving mail that was telling me all that I had to get done before my XX/XX/XXXX closing. Not once have I recieved my callback in 24hrs like PNC promises. I made at least 10 different calls, waited on hold, and was told the issue was resolved. Currently, I am awaiting a call back from the representative handling the case. I last spoke to him on the XX/XX/XXXX where he had told me about the underwriter. I asked that my loan be transferred to another back due to their negligence and refusal to resolve the issue. I was told this was unusual but he would try. I asked for a callback by fridayXX/XX/XXXX he said no, I asked for a callback in a week ( XXXX ) he said he would try his best. It's now XXXX and I haven't heard. Throughout this process PNC has been unprofessional, dismissive, and down right rude to me. Like leaving me on hold for 5 mins, checking in, the 5mins of hold to tell me the dept I needed to speak to was closed. This entire ordeal has cause me tremendous stress about identify theft.
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was trying to rent a house that I found on both XXXX and XXXX and the person who scammed me got his lawyer involved and sent over an official document for the lease and requesting XXXX XXXX in down payments. The first {$1000.00} was for first months rent and the second XXXX XXXX was for the security deposit. I sent the money through XXXX to two different people one was his accountant and the second was his lawyer. I contacted my bank and the police and nothing has come of it. My bank said that they would not give me any sort of money because I initiated the payment.
Company Response:
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have filed a complaint previously regarding PNC bank. My husband fraudulently used a line of credit, I immediately notified PNC upon learning of this issue. No one at the bank/call representatives guided me to dispute the charges. I have been in a run around for almost a year now with this careless, negligent institution. I have informed them to do a review, they kept giving me the run around until I did my first complaint through Consumer Financial Protection Bureau. After my complaint, they unwillingly only fessed up to some of their mistakes. I want a thorough investigation done. This is sheer negligence and they keep trying to sweep it under the rug. They did not even want to do an investigation until I pushed and pushed their mistakes. I am tired of their nonsense, I would rather pay an attorney 's fees and take this to court rather than to pay this sleazy bank. They know they made pitfalls on their end and are doing NOTHING to fix this issue. They are saying I am responsible for over $ XXXX which I did not spend! I never authorized the money being used. Their lame excuse is that payments went out of a joint account. AN UNAUTHORIZED USER MADE THE PURHCASES WHY ARE THEY NOT REVIEWING FOOTAGE FROM ATMS?!?!? I AM BAFFLED BY THE STUPID ANSWERS, UNPROFESSIONALISM, NEGLIGENCE, IGNORANCE AND LACK OF UNDERSTANDING BY PNC. Completely disgusted by this bank and their employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC is offering forbearance programs for mortgages, like most banks and lenders. However, the repayment options are not clearly outlined. I feel this is on purpose. PNC is luring customers in under the guise of " financial assistance '', and once they are in the program, they are told that a PNC rep will contact them to review options. These options range from paying the amount in full at the end of the term ( essentially 4 months of payments at once ) ... refinancing your mortgage to a higher amount ( even though customers are seeking help because they already cant afford the payments since the economy is shut down ) ... possibly moving the payments to the END of the mortgage ( which seems to be the industry standard ) although PNC refers to them as " delinquencies '' which makes me think it will adversely affect my credit ... or the last option, which is the most absurd " options that allow you to leave your home while avoiding foreclosure '' ( basically a short sale ). These options will not be discussed with customers until they are behind by 3 months of mortgage payments. This program is unclear and arbitrary. There will be thousands of families displaced by this. I was able to call and cancel my forbearance before it started ... although I know many who didn't. NO ONE at PNC that I have spoken with knows what is going on ... even though the first group of forbearance customers are at the end of their term now. PNC doesn't want any potential plan members to know the outcome of the group signed up in XXXX ... I'm sure it is bad for business. PNC should be ashamed of themselves. NOT offering forbearance would be better than the entrapment they are doing now. This will not end well for anyone other than PNC. Please stop them from signing people up. One rep told me that the customers she signed up were " willing to take their chances '' .... I sincerely hope it works in their favor and PNC doesn't end up with blood on their hands. The idea that you will be notified AT THE END OF A LOAN how you will be expected to pay it back, is simply unconscionable.
Company Response:
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2020 Hello. I am trying to connect my XXXX bank account to my PNC reserve account. PNC apparently had made changes that block me from linking the accounts. Please help seeing as I use XXXX as my main savings account. The only action I have been able to take is submit a complaint. Thank you.
Company Response:
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC recently changed their policy to not allow it's users to link their accounts or debit cards to third parties, thus denying access to my money that they are holding. This is illegal and needs to stop. I was told by my investment company PNC no longer allows me to link my account with them so I can not automatically deposit funds.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX filed a complaint with PNC Bank that unauthorized checks were cashed by a XXXX XXXX ON DATES XXXX XXXX. A POLICE REPORT WAS FILED IN BOTH XXXX WHERE I LIVE AND IN GEORGIA WHERE MY SON XXXX XXXX XXXX LIVES. THE bANK REFUSED TO REFUND MONIES STATING WE WERE A FEW DAYS LATE NOTIFYING THEM. PRIOR TO THIS, I HAD XXXX XXXX XXXX ON XX/XX/XXXX XXXX '. FOLLOWING THAT XXXX MY HOME WAS HIT BY A TRUCK AND WAS DETERMINED TO BE UNLIVABLE. FOR A YEAR, I LOST EVERYTHING AND HAD TO MOVE INTO TEMPORARY HOUSING TILL XXXX OF THE FOLLOWING YEAR AND SOMEHOW I DIDNT CATCH IMMEDIATELY. I HAVE ALL DOCUMENTATION.EVERYTHING. THIS YEAR IT OCCURED TO ME THAT MAYBE I SHOULDNT HAVE TAKEN THEIR ANSWER AS FINAL BUT IN ALL HONESTY I WAS PRETTY BEATEN DOWN AT THE TIME, I THINK PROVEN FRAUD SHOULD BE UNACCEPTABLE ESPECIALLY WHEN THE POLICE SOLVED THE CASE. I WANT MY MONEY BACK. IT'S THERE FAULT. THEY DID NOT PROTECT MY FUNDS ENTRUSTED TO THEM. ITS LIKE BEING ROBBED TWICE. CAN FORWARD DOCUMENTATION
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I WAS TRYING TO LINK MY BANK LOGIN WITH XXXX. I WAS HAVING PROBLEM DOING THAT.
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: According to the XXXX website, PNC has made changes that prevent XXXX from linking to my checking account. This account would allow me to save up to 25 % on my fuel bills. Upon calling my local PNC branch, the teller had no idea why XXXX could not be linked to the PNC Account. XXXX had a link on their site to this site ( Consumer Financial Protection Bureau ) and suggested the problem would best be resolved here.
Company Response:
State: PA
Zip: 17545
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Trying to link my bank account to my employers reimbursement system so I can get paid for expenses.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A