Date Received: 2020-05-13
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Closed my account recently. I owed {$25.00} for early closure fee and was not told about that from beginning. PNC seemed like nice online bank from start, till I noticed closure fee. I was trying them out. Thought it as no big deal to just close my account. Staff at XXXX branch were friendly and helpful as was manager. Just don't like that the bank has to be closed during pandemic as my current bank has their lobby open even though there's a window between customers and staff. A lot of these types of banks like PNC can improve by removing fees for closure, offer free ATM reimbursement. That would make it a better choice bank. I get free ATM reimbursements with my current bank ; ), thus a better choice bank and staff knows me well. Never had any closure fees. Staff at my current bank go the extra mile for consumers.
Company Response:
State: IL
Zip: 60085
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I reached out to PNC Bank to settle my delinquent HELOC and the representative from PNC Bank advised me to submit an application form with a settlement letter. PNC Bank acknowledged the receipt of the documents. The request was under review since than. I received a decision letter from PNC Bank dated XX/XX/07 stating that PNC Bank was unable to provide a loan payment plan but that was not my request. I called PNC Bank to go over the letter and the representative that assisted the call gave me a hard time and never gave me the proper information about my request.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please be advised on XX/XX/XXXX XXXX XXXX declared a state of emergency on due to the COVID-19 Pandemic. On XX/XX/XXXX, he announced the closing for XXXX XXXX XXXX XXXX, and scheduled a reopening on XX/XX/XXXX. On XX/XX/XXXX the Governor extended my profession ( XXXX XXXX, License # XXXX NC ) closed down to XXXX, and on XX/XX/XXXX it was extended to XX/XX/XXXX. This Pandemic has also turned in to an Economic Crisis. XX/XX/XXXX I reached out to my Mortgage lender for a Loan Modification ( move 3 payments to the back of the loan ) due to the Governors Mandate to close my profession down and to avoid an economic crisis myself. I spoke to three different Representatives in Early Intervention department, each one offered me a forbearance for 3 months with interest accruing, and at the end of the 3 months, repay the 3 months, and in additional to the current month thats due. My response is that is not logic or feasible for me, because if I am not able to pay the three months as they are due, at the end of 3 months, paying four months is impossible, especially due to me not having the privilege to work due to COVID-19 and the Governors mandate for my profession to close down. I went on to say, that would be setting myself up for failure. Each representative stated that they would escalate me to Lost Mitigations where my request is possible after filling out the application for the 3 months mortgages to the end of the loan. This application was never offered and when I stated that I was switched over to the department for this purpose. I talked to 3 different Representatives in Lost Mitigations, the first person I did not get their name, the month of XXXX I spoke with XXXX ( ext XXXX ) and today with XXXX, she stated to me that she didnt know too much about mortgages, she was put there to help out due to the overwhelming need for assistance, therefore ; she was back and forth researching answers to my questions for other Reps., she finally stated that she would escalate my request to Lost Mitigations supervisor ( XXXX XXXX ). The prior two requested that I wait until the next month, because things are being put in place at the present that will allow them to honor my request, and this statement was repeated the following two months. I spoke with XXXX XXXX today as well, whom I was told could grant me my request, per XXXX, and sent me to her voice mail, and I left in information for a return call. XXXX seems to think that paying back three months of back payment accompanied with a fourth payment is a great offer, not considering Ive been out of work 2 months, my XXXX is not guaranteed to open XX/XX/XXXX, and my XXXX may not come back as business as usually, do to todays Crisiss on everyone and personal situation. She and I did agree that Im not eligible to get a lower interest rate, because Im at a 2 % now, so Im requesting what I know will be best for me, 3 months moved to the back of the loan vs. 4 months of mortgages to pay all at once with a no income coming in. I have depleted my savings trying my best to keep my responsibilities to my debtors current. I am in agreement with XXXX, XXXX XXXX, and XXXX XXXX for 3 months no payments as of XX/XX/XXXX, and after the three months pay the owed 3 months and the current months payment, or set up payment arrangements adding a mortgage to the equation will be overwhelming, stressful, and due to fail. I have never been late on my mortgage payments the 14 years of its existence, and the only time I have had a problem paying is the XXXX Recession, which I recovered from after a two year battle with XXXX seeking assistance ( Had to file a complaint ) and now the Pandemic and Economic Crisis. From that experience I am convinced PNC is executing in Unfair Mortgage Price to terms and conditions of my original loan, in a Pandemic and Economic crisis. If I am allowed to open back for business on XX/XX/XXXX, my XXXX is promised to return right away due to people being out of work and some not having a job to go back to. Giving this Loan Modification of 3 months allows me to get grounded, allows me the opportunity to become stable in my finances and accountable and on time with my obligations to creditors. Otherwise, the chances of Foreclosure become more real, I dont want this, and I dont think the bank wants it either. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PNC Bank Loan # XXXX
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Im trying to link my PNC BAnk account to my new XXXX XXXX online account and they refuse to let me to do so!
Company Response:
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Trying to get a XXXX XXXX XXXX and my bank would not approve my funds
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Lost or stolen check
Subissue:
Consumer Complaint: Needed proof that PNC cashier 's check {$3200.00}, # XXXX, bank account # XXXX, routing # XXXX, had been cashed. Merchant says it was not received. Although, I did purchase the cashier 's check from PNC, I have spoken to EVERY department they all say they can not help me in anyway with my request. A few of the people that I have spoken to include : XXXX at the purchase branch XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX, support operations XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and lastly from Treasury Mgmt XXXX, XXXX, and manager XXXX XXXX XXXX ext # XXXX hung up on me.
Company Response:
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Ive had several accounts with PNC I cant Believe how I was treated they didnt even consider that I have paid off loans before with them I have never had a delinquent account everything is paid in full on time They would not even let me speak to the underwriter manager that made that decision they never asked for any information just denied me knowing that Ive had mini loans with them. I feel like I was discriminated against PNC should always treat their customers with some sort of respect and decency
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wont give me access to attach my account to XXXX, to help me with finances this week
Company Response:
State: WV
Zip: 267XX
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm trying to link my XXXX account and they rejected it.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
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: XXXX, a company I rent office space from, charged me {$370.00} on XX/XX/2019 and {$260.00} on XX/XX/2019 for use of the copy/printer. I believed the copy/printer was included in the rent as they did not state that it wasn't and no where in their House Rules, Terms and Conditions or in my contract does it state the copier/printer was an added fee and no where does it state what those added fees are. Due to XXXX charging me for the use of their printer and not disclosing to me the fees for the use of the printer I attempted to dispute these charges with PNC bank which my business credit card is under. XXXX automatically charges me each month and when I saw the additional charge in XXXX I mistakenly assumed it was for my other office space that I was renting from them. When I received my XXXX invoice I realized the additional charges were for the printer use and not for my other office space. I contacted PNC in XXXX about these printer charges to see what could be done as XXXX was not helpful in resolving this issue with me. PNC told me they would investigate. No one from PNC called back and I never received anything in the mail. A couple months went by and I realized nothing had been resolved about these charges. I called PNC and was told the case was closed out and everything was resolved. XXXX had double charged me for rent in XXXX as an accident and PNC thought this was the charge I was referring to and said it was refunded and closed the case out. Additionally, I never received any mail regarding this decision. I refiled dispute cases against both these printer charges in the first week of XXXX. I provided PNC with the invoices with the printer fees and a copy of XXXX 's house rules, terms and conditions and my contract showing that in none of these documents is the printer mentioned as being an additional cost and no document stated what the printer costs were. PNC closed my dispute cases against these charges at the beginning of XXXX stating that they did not see anything wrong with these charges even though the documentation I provided to them clearly did not list the printer as being an added cost nor do any of the documents show what the printer costs are. PNC also told me it was too late for me to dispute these charges but I did attempt to dispute them in XX/XX/2019. PNC did not handle the situation correctly and closed it out. I feel that PNC has handled this dispute improperly from the beginning and I am just getting the run around from them and they made it clear they are not going to help me. This is now going on 6 months where this issue is still not resolved.
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A