Date Received: 2020-05-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: There are several inaccuracies regarding the management of my high performance checking account with PNC. After several unethical insufficient funds charges as well as previous CFPB complaints XXXX and XXXX ( a total of XXXX for both complaints that was fraudulently removed from account and never reimbursed ) which were unresolved due to Fraud that occurred on my account and PNC refusing to investigate the fraudulent activities despite me filing a police report and contacting the XXXX regarding the charges, I went into the XXXX branch of PNC to close my checking account on XX/XX/2020 and made a deposit of XXXX to bring the account current and close out my checking account, that I had for 11 years, as well as Money Market account. XXXX closed out the XXXX XXXX account but refused to close out the checking account indicating that he would have to wait until XXXX XXXX to assure other transactions do not post to the account. Also on XX/XX/2020, I removed overdraft protection from the account in an effort to discontinue the scrupulous business practices that are implemented by PNC. In addition to making multiple phone calls regarding questionable transactions on my account, I also participated in a customer survey in an effort to speak with customer service regarding my dissatisfaction with PNC. I received a call in XXXX from a XXXX XXXX who left a voicemail message, but no direct contact phone number and needless to say, I was never able to reach her or anyone else to address my concerns. One of the concerns is how transactions were processed and I never received a consistent response. The standard response would be it's listed in your documents when you received your account. Well I still have my documents and none of what I was told is listed in there. Since my requeste to close my account, PNC has charged a total of XXXX in isf fees as well as continuous overdraft charges on an account that I requested to close over two months ago
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I've been a customer of PNC Bank for years. I have never in my entire human life had an issue with a bank. PNC bank first charged me 2 or so months in fees while I was attending the death of my brother whom comitted XXXX in XX/XX/2019 in XXXX. We barely had any phone functionality. We have barely any power for the entire country. It made it impossible to call PNC, even though I would try to remote into my desktop at home ( USA ) it was unreliable. I come back in XXXX and talked to PNC on 6 occasions about the fees since my brother comitted XXXX and I was not here they said no problem we will refund you. That was a lie. About 17 hours later on the phone in the 2.5 months since XXXX I have been met with lies, and more lies. I stopped by a local branch in XXXX MD, and spoke to the branch assistant manager who said we are so sorry, she stated she wrote a report to the back office, and that this will be cleared out and that the fees will be taken off, and my account will be in great standing. She said give it about 10 days. She also stated shes never seen anyone have any issues after she submits a report. Its been 1 month now and I received numerous calls from PNC who stated they are attempting to collect a debt. I was caught off guard. She stated she saw no notes about what I mentioned. She stated she will talk to her supervisor and contact me back. I never heard back. They also disabled my online access, and removed ALL my statements - which I need for my taxes. They said I can send them a check in the mail for each statement I request. This is INSANTIY. The account closure happened while our entire Country is dealing with a global health crisis - COVID-19. How dare a bank take advantage of this. MY WIFE WAS IN THE HOSPITAL FOR THIS AND I GET CALLS DURING COVID 19 TO PAY SOMETHING I WAS TOLD I WOULD BE REFUNDED?
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I responded to an ad on XXXX about a rental property in XXXX ( XXXX ) The scammers posed as XXXX and XXXX XXXX who were subletting their apartment on XXXX XXXX XXXX XXXX After paying an application fee of {$35.00} via XXXX I was sent a paper application with the address of the property as well as the contact info of he owners. The application looked legitimate to i filled it out and sent it. I was contacted via text and was told of the deposit of {$270.00} XXXX XXXX ) and the prorated rent of {$370.00} ( XXXX ) and a parking/amenities fee of {$99.00} ( XXXX ). I paid the prorated rent of {$370.00} via XXXX to XXXX XXXX, " wife '' The scammers attempted to get me to use XXXX XXXX and XXXX XXXX to receive all payments. After difficulty I told them i could use XXXX and they sent invoices which led me to believe they were legitimate. I was told of the lockbox location for the keys after paying the fees, i was also told that a bed would be provided. When asked about when the sublte agreement would be sent, he said the next day. on XXXX i inquired about the lease agreement he said his wife would send it, after a second inquiry he said he would check again. The next day XXXX, i drove to the property in the morning to see if the lockbox was at the front desk like he said. The property required a FOB to get in. I emailed the property to verify if Suite XXXX was legitimate as stated on the application. i was contacted by a member of staff at XXXX XXXX XXXX who told me that the suite did not exist and that XXXX and XXXX XXXX were not residents there. They also told me that this has become a growing problem with their property and they have contacted XXXX to take down the listing I then immediately filed disputes with PNC Bank, XXXX and XXXX for the money that was lost. The President of XXXX sent a letter that verifies that the listing on the application is false.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: During the process of a mortgage application I strongly disagree with the method the underwriters calculate my monthly debt. Its fabrication. To calculate my debt, I disclosed my loans and credit card payments made every month. They divided my actual MONTHLY credit card payments by 67 months and used that number as my actual monthly credit card debt. This was despite showing them proof of over 12 months of regular monthly payments. Thereby decreasing my real credit card debt to approve a mortgage with a fabricated debt to income ratio. If they used my factual data my expenses exceed my new reduced income ( due to Covid-19 ). Thats over a 100 % debt to income ratio. I was told that this process of calculating debt is a rule from the Dodd-Frank act and they can not consider my actual monthly payables! However, I feel this goes against the grain of the act! By this rule, lenders actually encouraging people to take a 3-5 % mortgage and pile up 18-25 % credit card debt, if they cant afford to pay it all!!! Because in my case I can not pay mortgage if I pay my credit card bills. I have to choose. I only realized this, as my husbands salary got cut to half due to Covid-19 but the loan officer insisted that I was going to be approved despite my home math didnt add up to cover monthly expenses.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX, I received a letter stating I owed {$860.00} in debt to a credit card from XXXX. When I initially called the rep said he could not find who it was I owed, I called again and was informed of this debt. I don't remember this card, and I did go through some old documents in my home and I have no records of this card. The company is unable to prove to me I owe the debt stating the company is no longer in business. I feel as if I am being scammed and coerced into paying money.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a single homeowner, solely responsible for my mortgage. I unexpectantly became unemployed due to no fault of my own. I requested a forbearance and received it. After the forebearance period I started making payments again. In desperation I had to take jobs that were not suitable for me. I lost my job again, then I started having symptoms of COVID and I have not been able to look for new employment. My mortgage servicer started the foreclosure process. They gave me false hope that they wanted to help me. Their solution is a scam that takes advantage of a persons hardship. I have been paying for my mortgage since XXXX. I used money I made from the home I owned since XXXX to help pay a down payment on this loan. So in reality everything Ive paid as a homeowner is tied to this home and loan. The servicers or XXXX XXXX solution is to modify the loan to a 40 year loan. That is nothing but a scam that will never allow a person with a mortgage get on their feet an actually one day own their home. Its unethical and needs to be regulated and scrutinized. XXXX XXXX was set up by Congress. There should be oversight into this type of homeownership scams? How can this be allowed? Why is there no help for a person in my situation? I do not want to lose my home but a 40 year mortgage is ridiculous. Id be XXXX before I could pay it back. The money that goes toward housing counselors is a joke.its wasted money that would be better spent with a Ethics committee overseeing the housing industry and services XXXX XXXX and PNC are using unscrupulous immoral practices to hang desperate homeowners. Where is congress? Where is help? Where is hope? Its all a scam! This needs to be made public,. No one deserves to be taken advantage of in this way.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Account was opened XX/XX/XXXX, XXXX credit limit i was in hardship with losing job they continued to report the account late, after being told of this hardship. the account was closed, and i paid the account off now they are refusing to remove the account or late payments and they are not reporting the card or balance anymore last update was XX/XX/XXXX its XX/XX/XXXX.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have our loan being serviced through PNC. Bank - we set up an online account this week with PNC.com and input our checking account information so that we may be able to start making recurring principal only payments to the bank. We already have our mortgage set up to be paid monthly through our checking account and are current and never been late. There is NO option for us to submit a principal only payment and the servicer stated that the only way we could even attempt to do that is we have to set up a checking account with PNC ( which we do not want to do ) OR we have to mail in additional payments. On their website they do not even give an option for principal only if we were to set that up so they can easily apply that to additional interest which we do not want. Our loan came with having no prepayment penalty and we want PNC to offer the option of making principal only payments on their website to all customers without mandating we have to set up an account with them and without them applying a directed principal only payment to anything other than principal.
Company Response:
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I tried to sign up for an account with XXXX, but it told me PNC had changed their policy to prevent linking with that bank when I tried to link my PNC account.
Company Response:
State: OH
Zip: 45150
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I had my car loan with PNC for my previous car. After my previous car got sold carloan had been payed full by the dealership. My account got closed with PNC and I got locked out from their website! Which is normal but they still continued to take out car payments from my personal bank account! It happened twice! After the first time I talked to them and they promised it wouldnt happen anymore! Got a refund from them but it took 10 days! However happened again a month later! After the second time they took out money I called their customer service but they tried to blame me and they said I should of had to stop the payment myself through my online account! Which is impossible because 1 ) they locked me out from my online banking since my account been closed so how I supposed to cancel anything?! 2 ) I did talked to them on the phone after the first time and they did say it wont happen anymore! I was just simply trusted them! After 11 days I still dont have my money back!
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A